Commission Savings Calculator
The NAR settlement broke the bundled 6% commission. This calculator models the real dollar savings from replacing a traditional listing agent with a flat-fee MLS service plus a title company and, where required, a real estate attorney. Every major flat-fee service is included: Fizber, Houzeo, Beycome, Homecoin, and GetRidley. State-specific closing fees and attorney requirements are accounted for automatically.
Not financial or legal advice. Simplified educational tool based on published flat-fee pricing and typical commission ranges as of 2026. Verify current pricing and consult a real estate attorney before signing any listing agreement.
Your Scenario
Adjust sliders to model your sale. Results update live.
$435,115
3.0%
2.5%
$850
$800
$500
Savings vs Traditional
Dollars that stay in your pocket.
Traditional Commission (both sides)
$23,931
Listing $13,053 + buyer-side $10,878
Flat-Fee Hybrid (MLS + title + attorney + buyer)
$13,323
Fizber MLS Boost Premium + buyer-side $10,878
You Save
$10,608
44.3% less than traditional
How the Flat-Fee Hybrid Approach Works
The post-NAR-settlement era means you pay for each piece of the selling process separately, rather than bundling everything into a 6% commission. Three components replace the traditional listing agent:
- A flat-fee MLS service (Fizber, Homecoin, Beycome, Houzeo, GetRidley) puts your listing on the dominant local MLS. The MLS syndicates to Zillow, Redfin, Realtor.com, and Trulia automatically. You pay for data entry, not exposure.
- A title company handles title search, title insurance, escrow, document prep, and fund disbursement. Non-attorney states can close entirely through the title company.
- A real estate attorney is required at closing in roughly 22 states. In these states, the attorney replaces the listing agent's contract function at a fraction of the cost. In non-attorney states, you can hire one hourly ($200-$400/hr) for contract review only.