5 Best Low Commission Realtors in St. Joseph, Missouri (2026)

• St. Joseph discount real estate brokers offer a similar range of services and support as conventional realtors for a lower price.
• If you work with a conventional St. Joseph realtor, you’ll typically pay a listing commission fee of about 2.74%.
• Discount realtors typically deliver savings by charging lower listing fees at closing. The average listing fee among discount brokerages in St. Joseph is 1.1% as of February 2026.
• That’s an average savings premium of $4,628 based on the median home sale price in St. Joseph ($282,200), according to the latest available data (February 2026).

• Consider a discount real estate broker if saving on real estate commission fees is a top priority, but you still want a real estate agent to guide and support you through the process.
• Low commission realtors sometimes handle more customers at once to offset their lower rates. Some sellers say this can lead to less hands-on, personalized service compared to a conventional realtor.
• We recommend sellers with more complicated properties or circumstances stick with conventional realtors with experience that fits their needs. (Try Clever: list with top full-service realtors, get up to 50% off their typical rate.)
• That being said, discount realtor service models and customer experiences vary widely, which is why thoroughly interviewing and vetting any agent is so important.

To find low commission realtors in St. Joseph:

1. Use an agent-matching service like Clever to compare pre-vetted real estate agents from reputable brokerages.
2. Search for local discount real estate brokers (like the ones ranked on this page) and request quotes.
3. Try to negotiate a lower commission rate with a conventional realtor yourself (only about 22% of sellers who try to negotiate are successful). Negotiating is easier if you have a pricier home, are selling in a particularly hot market, or already have a buyer lined up.

The best approach combines comparison shopping with vetting: interview 2–3 discount realtors, compare their fees AND track records, and choose based on value — not just price.

Pros

• Low commission realtors save sellers in St. Joseph $4,628, on average.
• You get expertise from a licensed agent who knows the St. Joseph market.
• Some discount real estate agents offer full service, so you can get everything you'd expect for less.

Cons

• Some St. Joseph discount real estate brokers only provided limited service, and may charge extra fees for "add-ons" like professional photography.
• Discount real estate companies sometimes charge upfront fees, so you'll have to pay out-of-pocket before your house sells.

• Clever Real Estate gets you special discounted rates from top, conventional realtors representing major brokerages like RE/MAX, Century 21, and Compass. Get personalized agent recommendations and save up to 50% on listing fees.
• If you're selling for sale by owner in Missouri and just want a marketing boost, a St. Joseph flat fee MLS service may be a better fit. Basic flat fee MLS plans get your listing on the local MLS for around $150. Premium plans include more services, like pro photography, but can cost well over $1,000.
• If you want to sell your house fast in St. Joseph or sell your house in as-is condition, consider using a St. Joseph cash home buyer company. Cash home buyers will purchase almost any home in any condition. You typically don't have to pay realtor commissions and many will actually cover your closing costs. And because they pay cash, they can usually close in a matter of days.

The St. Joseph housing market has cooled since this time last year, according to the latest data (December 2025).[1] [2]

• St. Joseph is currently in a strong buyer’s market, with inventory significantly outpacing buyer demand. Last month, there were 395 active listings, (up 26.6% year over year).
• The median home sale price in Missouri last month was $282,200, up 7.7% from $262,017 last year.

St. Joseph homes are taking longer to sell and netting higher premiums on average compared to last year.[2] [3]

• In the past month, St. Joseph properties spent a median of 70 days on the market — that’s 18 days slower than this time last year.
• The average Missouri home sold for 98.97% of its original list price in the past month, up 1.6% year over year.
• St. Joseph houses are experiencing more price drops compared to last year. 78 of properties dropped their price last month. That's a 39.29% increase compared to this time last year.

The average cost of selling a home in Missouri is $30,355, 9.1% less than the nationwide average of $33,380.

• The bulk of home seller costs is made up of realtor listing fees and closing costs.
• Listing fee: Missouri home sellers pay their agents an average listing fee of 2.7%. That's 249.1% more than the average discount listing fee of 1.1% in St. Joseph.

In St. Joseph, Missouri the average real estate commission is 5.52%. 6% real estate commission (split between the buyer's agent and the listing agent) is becoming less common, especially as buyer's agent commissions trend lower.

» More: Average real estate commission in St. Joseph.

If your priority is finding the lowest realtor commission possible, discount agents who offer 1% real estate commission offer maximum savings but may provide fewer services. 2% real estate commission realtors typically offer a more full-service experience, and some may even offer premium services like 3D tours and drone photography.

Real estate agents in St. Joseph, Missouri who advertise 4% or 5% commission are usually advertising a total commission rate, not their listing commission. For example, 5% realtors may actually charge a 2.5% listing commission, with the other 2.5% being charged by the buyer's agent. These fees are taken from the proceeds of your home sale.

Since the recent NAR lawsuit, listing agents are now prohibited from advertising the buyer's agent commission since this is supposed to be negotiated between the buyer and their agent. However, as the industry catches up to new regulations, you may still see realtors in St. Joseph advertising a fixed total commission that includes the buyer's agent fee.

Some full-service discount real estate agents charge flat fees instead of percentage-based fees at closing. For example, a flat fee realtor may charge a $4,000 listing fee, and that amount doesn’t change based on your property’s final sale price.

If you’re selling a more expensive home, working with a flat fee realtor can save you a lot of money on commission fees! However, be wary of flat fee agents who charge nonrefundable, upfront fees.