The Real Cost of Selling a Home in Montgomery County in 2026

Selling a home is never as straightforward as it may seem. While the idea of making a significant profit from your property can be enticing, the reality is that there are numerous expenses involved in the selling process. Understanding these costs is essential for homeowners in Montgomery County who want to ensure they’re fully prepared for what’s to come.

Whether you're a first-time seller or a seasoned pro, the goal is always the same: to get the best price for your property while minimizing costs along the way. Here's a breakdown of the key expenses you can expect when selling a home in Montgomery County in 2026.

1. Real Estate Agent Commissions

The most significant cost associated with selling a home is typically the commission fees for your real estate agent. In Montgomery County, commission rates are negotiable and due to the relatively recent NAR Settlement, the method by which a buyer’s agent is compensated is now handled differently than it was likely handled the last time you bought or sold a house in Montgomery County. A good agent will explain the nuances of commission payments, will work to protect your bottom line, and is a key to a successful sale. Like any other service, the most experienced and effective agents generally charge higher fees - but they also help sellers achieve the highest sold prices. The best agent routinely sell their listings for an average of more than 2% higher than other agents can achieve, making the ROI on hiring an agent with a solid track record a no-brainer.

As Meredith Fogle with The List Realty emphasizes, “Choosing the right agent can make all the difference. Not only do they negotiate on your behalf, but they also provide invaluable market insights, helping you avoid pitfalls and get the best value for your property.”

2. Repairs and Upgrades

Before putting your house on the market, you may need to address repairs or make upgrades to appeal to potential buyers. Whether it’s fixing a leaky faucet, repainting the walls, or changing outdated fixtures, these costs can add up quickly, and therefore the return on work to prepare a house for sale should be considered carefully. 

In some cases, you may decide to invest in larger renovations to increase the home’s market value. Keep in mind that while some improvements offer a higher return on investment than others, not all upgrades will increase the sale price enough to justify the cost. It’s essential to consult with a professional real estate agent to prioritize improvements that will give you the best return.

3. Staging and Photography

In today’s competitive real estate market, a well-staged home can make a significant difference. Staging allows potential buyers to envision themselves in the space, which can lead to quicker sales and higher offers. Professional staging costs typically range from $1,000 to $3,000, depending on the size of the home and the extent of the staging. Agents offering high-value to sellers and who insist on staging to achieve top dollar for their clients may include the costs of stages in their array of services.

High-quality photos are another crucial element of selling a home. Most buyers begin their search online, and photos are often the first impression they’ll have of your property. Your agent should hire a professional photographer who can capture your home in its best light. The cost of professional photography is most often included in the commission cost being charged by the listing agent. 

4. Closing Costs

In addition to agent commissions, there are other closing costs you’ll need to factor in when selling a home in Montgomery County. These may include:

• Transfer and Recordation Taxes: Montgomery County charges a transfer tax. The state of Maryland also charges a transfer tax and a separate Recordation Tax. These taxes are typically split equally between the buyer and seller. An experienced listing agent will walk you through the costs of selling as part of the process of listing your home for sale.

• Repairs and Concessions: If a buyer requests repairs after a home inspection, you may need to negotiate and cover some of those costs, potentially impacting your final sale price. A skilled listing agent will facilitate this process, protecting your bottom line.

• Title Charges: The settlement or “title” company will charge a fee to research the title and conduct closing. In Montgomery County, it is customary that the buyer selects the title company, but you will be able to review your costs prior to closing. 

It’s important to understand and budget for these additional fees to avoid any surprises at the closing table.

5. Mortgage Payoff and Home Equity Loans

If you have an existing mortgage on your home, you’ll need to pay off the balance when you sell. If you have any equity in the home, this is where you’ll see a return on your investment. 

It’s also worth noting that if you have a home equity loan or line of credit, you’ll need to pay off that balance as well during the sale. These debts must be settled before you can close the transaction.

6. Capital Gains Taxes

If you sell your home for more than you paid for it, you may be subject to capital gains taxes. Fortunately, if the property was your primary residence for at least two of the last five years, you may qualify for an exemption. For single filers, up to $250,000 of profit is exempt, while married couples filing jointly can exempt up to $500,000. However, if you don’t meet these requirements, or if you sell a second home, you could face significant tax bills.

It’s a good idea to consult with a tax professional to understand how capital gains taxes could impact your sale.

7. Moving Costs

Finally, don’t forget about the cost of moving. Whether you hire professional movers or rent a truck yourself, this is an expense you’ll need to account for. The average cost of hiring professional movers in Montgomery County ranges from $1000 to $5,000, depending on the size of your home and the distance of the move. Many movers can orchestrate a state-to-state move and/or provide temporary storage options for your belongings as needed. 

Conclusion

Selling a home in Montgomery County in 2026 comes with a variety of costs, but with the right preparation, you can minimize those expenses while still achieving the best return on your investment. By understanding the costs upfront and working with a trusted real estate agent, you can navigate the selling process with confidence.

As Meredith Fogle advises, “The key to a successful sale is planning ahead. By budgeting for all the costs involved and working with an experienced professional, you’ll be in the best position to maximize your profit.”