What will it cost to sell my home — and what do I actually walk away with? Work out the listing and buyer agent commission, the tax on that commission in your province, and your net proceeds after the mortgage, legal fees and other selling costs.
Calculate your commission
How selling commission works
Commission is paid by the seller and is subject to GST/HST (plus PST in Saskatchewan and QST in Quebec). The tax rate on commission in 2026 is: Ontario 13%, British Columbia 5%, Alberta 5%, Saskatchewan 11% (GST 5% plus PST 6%), Manitoba 5%, Quebec 14.975% (GST 5% plus QST 9.975%), New Brunswick 15%, Newfoundland and Labrador 15%, Nova Scotia 14%, Prince Edward Island 15%, and the Northwest Territories, Nunavut and Yukon 5%.
In the flat structure, the total commission is the sale price times the listing percentage plus the sale price times the buyer percentage. In the tiered BC-style structure, the first $100,000 is charged at one percentage and the balance above $100,000 at another. Net proceeds are the sale price minus the commission including tax, minus the mortgage balance, legal fees and other selling costs.
Commission percentages are negotiable — the defaults here are common examples, not standards or recommendations. A 0% commission is allowed, for example for a private sale with no agent. Always confirm the exact commission, tax and fees in your listing agreement before you sign.
Estimates only. Tax rates are the 2026 rates used in this calculator and may change; confirm the rate that applies to your sale with your agent or lawyer.
Frequently asked questions
Are real estate commissions negotiable in Canada?
Yes. Commission percentages are negotiable, and the defaults in this calculator are common examples, not standards or recommendations. What you pay depends on your listing agreement, the market and the services included.
Do I pay tax on real estate commission?
Yes. Commission is paid by the seller and is subject to GST/HST, plus PST in Saskatchewan and QST in Quebec. The rate depends on the province where the property is sold — for example 13% HST in Ontario and 5% GST in British Columbia and Alberta.
What is a tiered commission?
A tiered commission charges one percentage on the first $100,000 of the sale price and a different, usually lower, percentage on the balance above $100,000. It is a common structure in British Columbia.
What are my net proceeds?
Your net proceeds are the sale price minus the commission including tax, minus your remaining mortgage balance, legal fees and other selling costs. If you leave the mortgage blank, this calculator shows the net proceeds before the mortgage is paid off, labelled as such.
Related tools
Budget for the other costs of selling or buying with the Closing Costs Calculator, and check the tax on a purchase with the Land Transfer Tax Calculator.