What You Need to Know About Flat-Fee MLS Listings

Flat-fee MLS listing services allow home sellers to put their home on the multiple listing service (MLS) — a local database of homes that are for sale — for a set rate.

This enables "For Sale by Owner" (FSBO) home sellers to ensure that their home is seen by the maximum number of potential buyers, without having to commit to paying a traditional full-service real estate agent the typical 2-3% commission rate.

Here's what you need to know about flat-fee MLS services:

  • Typical MLS listing packages cost between $99-$500 and include a 6-month listing term, 25 photo uploads, and some additional support services (such as downloadable legal forms, printable flyers, help with pricing, etc.).
  • When choosing a flat-fee MLS service there are a number of factors you should look out for:
    • Make sure the flat-fee listing company is posting your home on the MLS that is specific to your area — MLSs are regional.
    • Some of these companies aren't licensed brokerages, but refer you to a third-party agent. In such cases the exact services or price point could differ from what was initially advertised.
    • Inexperienced home sellers should seek a service that offers more professional support, such as help setting your home's price or negotiating offers.
  • Alternatives to using a flat-fee MLS service, for homeowners looking to save on commission, include working with a discount real estate agent/brokerage or trying to negotiating a lower commission rate with a traditional agent

Get a full suite of services with your MLS listing for one low, flat fee.

With Clever, MLS listings are already included in your flat fee — you get complete full service from a top-rated, local realtor — with every service bundled together for a fraction of their standard rate. Pay just a $3,000 listing fee if your home sells for up to $350,000 (or only 1% if it sells for more).

What is a flat-fee MLS listing service?

Flat-fee MLS services are companies that help you list your home on the multiple listing service (MLS), which functions as a regionally centralized database of homes that are for sale, for a set rate.

Working with a real estate professional is the only way to get your home listed on the MLS, as MLS access is restricted to licensed real estate agents. Some of the advantages of having your home listed on the MLS include:

  • Maximum exposure: Your house automatically appears across a number of local and national real estate websites, including Realtor.com, Trulia and Zillow. Nearly 90% of buyers purchased their home through a real estate agent or broker, who'll likely be subscribed to your local MLS.
  • More qualified buyers: Realtors that represent buyers near you will get notified when your listing is posted to your local MLS.

An effective flat-fee MLS listing service will make sure that your home is posted on the specific MLS that is relevant to buyers in your region; there are an estimated 800+ MLSs in the U.S.

Getting your home on the MLS without agreeing to work with a full-service, traditional listing agent can ensure that you are effectively marketing your home, while saving on commission costs.

Usually when you hire a real estate agent to help sell your home, you will pay them a listing fee that is 2-3% of the sales price of your home. With a flat fee MLS service, however, you'll typically agree to a set price — often around a few hundred dollars.

Note that you will still have to offer a buyer's agent commission (typically around 2-3%) to incentivize agents representing buyers to show your home to their clients.

Below, we've provided some examples of how much you may be able to save with flat-fee MLS service. That said, it's important to note the large gap in service levels between listing your house with a traditional agent or brokerage and a flat-fee MLS company.

Traditional realtors can save you a lot of time and effort by handling every aspect of your homes sale, whereas with a flat-fee MLS company, you're basically on your own.

Home sale price
Typical full-service listing commission*
Typical flat-fee MLS listing cost
Potential savings

*Assuming a typical 3% listing fee.

Flat-fee MLS listing vs. full service agent

Apart from the cost, the largest difference between working with a traditional full-service agent and listing your home through a flat-fee MLS company are the services offered.

By choosing to sell your home FSBO using an MLS listing service, you miss out on the expertise and comprehensive service of a traditional realtor. The difficulty of attempting to sell your home without an agent is often underestimated, as 10% of sellers that initially attempted a FSBO sale in 2018 eventually sought the help of a full-service agent.

Full-Service Realtor

3% of sales price

  • Listed on MLS
  • Accurate home pricing (CMA)
  • Negotiating with potential buyers
  • Professional photography of your home
  • Home staging
  • Help with legal paperwork
  • Scheduling and hosting showings

Flat-fee mls

~$250 flat fee

  • Listed on MLS
  • Limited pricing support
  • Downloadable contracts and disclosures with no review or support

>> COMPARE the full savings and value of a flat-fee realtor vs. a flat-fee MLS service

When you work with a full-service agent, you get access to a suite of services that can be incredibly valuable to someone trying to sell their home. Typical services often include:

  • Performing a comparative market analysis (CMA): Full-service realtors will analyze similar homes that have sold in your area to determine the proper listing price. Getting the right price has been shown to be the most difficult task for FSBO sellers according to 2018 research by the National Association of Realtors (NAR). Experienced realtors are well equipped to perform an accurate CMA —  because of their knowledge of the local market — and can make sure you start with the optimal asking price.
  • Negotiating price and contingencies with potential buyers: Having experience negotiating offers when selling a homecan be incredibly valuable, as it will often be the case that you will receive offers below your listed price. Knowing when to accept, reject, or counter an offer from a potential buyer is something a top realtor will be adept at.
  • Professional photography of your home: Full-service listing agents will often cover the cost of professional photography (which can range from $100 to $500) for their clients. Quality pictures can be a huge asset when selling your house, with 87% of buyers who used the internet when purchasing their home saying they found photos helpful according to a 2019 NAR report.
  • Staging your home: It is not uncommon for full-service real estate agents to cover staging for their clients. Professional home staging — where your home is decorated in a way that is most appealing to potential buyers — has shown to reduce the time it takes to sell a house and increase the sales price. However, it can involve some upfront cost, as the median dollar value spent on staging was $400 according to a March 2019 report.
  • Help with the legal paperwork required when you sell your home: Full-service real estate agents will be able to put the necessary paperwork together to ensure that the transaction goes smoothly, at no additional cost. Alternatively, some flat-fee listing companies may include help with legal forms as part of their service and you can choose to hire a real estate attorneyfor $150 to $250 an hour for additional help.
  • Scheduling and hosting showings: Having a dedicated realtor to organize the logistics of showing your home can save you the time and headache of dealing with potential buyers. Making your home available for potential buyers is an essential component when selling your home. It can also be a time consuming and potentially dangerous part of the process, as you will likely be inviting strangers into your house on the weekends during your free time.

By choosing flat-fee MLS listing service, you should be prepared to address or pay for these services yourself.

> Learn how a full-service real estate agent makes selling your home easier.

How much does an MLS listing service cost?

Typically, flat-fee MLS listing companies will offer to list your home for a flat rate in the range of $100 to $500. With this service, you can expect to have your listing posted on your local MLS for 3 to 12 months with photos — anywhere from 6 to 25 is common — and a short description of your property.

In addition to the flat-fee MLS listing, most companies offer multiple pricing tiers and/or add-on services, where you can pay more for additional or upgraded services. These can include more pictures of your home, longer contract length (the amount of time your listing is displayed on the MLS), help negotiating with potential buyers, for sale signs and lockboxes, and more.

It may be worth paying for a higher service depending on your home's size, how quickly you need your house to sell, and your overall comfort level with the home selling process.

Things to consider when choosing a flat-fee MLS company

When comparing flat-fee MLS services, it’s important to consider your specific needs and goals, as they will dictate which features matter most to you. Below we've broken down some of the most important factors when evaluating different companies.

Why it's important
Cost vs Services
Comparing companies based on cost can help you avoid overpaying, as many flat-fee MLS listing services offer similar services at drastically different price points. On the other hand, some services include a variety of support services for no additional cost — which could be particularly valuable if you are an inexperienced home seller.
Which MLS?
If the company you choose does not have the ability to list your home on the MLS specific to your location, you may not be reaching the most appropriate audience. To ensure your listing is most effective, make sure your listing will be posted to the most relevant regional MLS(s).
Number of photos
Having a comprehensive set of photos of your home's exterior and interior is a crucial part of marketing your home. In most cases, six pictures — which is standard for many flat-fee MLS companies — will not be enough to properly market your home.
Listing term
If your house doesn't sell within your initial listing term, you'll end up having to pay more to keep your listing active on the MLS. The average time to sell a home was 68 days in 2019, however this can vary drastically based on your homes location. Note that FSBO homes often take longer to sell, so having ample time on the MLS — at least six months — can be quite valuable.
Length of listing description
Some flat-fee MLS companies may limit your listing description to just a few lines of text — which is often not enough to properly convey the important details of your home. Be sure to inquire about the allowable length of your post before committing to a service, if it’s not apparent up front.
Help with valuations and home pricing
Some companies will help you set a competitive list price for your home, usually by performing a comparative market analysis. This is a key benefit to look for, as proper pricing requires expertise and local market knowledge, and is one of the biggest factors determining how quickly your house sells (or if it sells at all).
Ability to make changes to your listing
Selling your home can be a learning experience, so if you're new to the process it can be incredibly useful to have the ability to improve your posting without penalty as you learn the best ways to market your home.
Broker direct or referral service?
When working directly with the broker who lists you home on the MLS, it is more likely that your experience will be as-advertised. This means that the services you receive, and price you pay will be consistent with the terms listed when you chose the service.

On the other hand, if you are referred to a third party realtor that lists your home, you may find that the exact pricing and services rendered differ from what was advertised.
Buyer inquiry forwarding
You can avoid paying a buyer's agent commission of 2-3% if you find your own unrepresented buyer — meaning they aren't working with an agent. However, some flat-fee MLS agencies will offer to represent potential buyers in order to collect a buyer's agent commission, instead of forwarding you those leads directly.
Cancelation policy
Some MLS listing companies will charge you a fee to take down your listing — which you would want to do if your home sells or if you decide to work with a full-service agent.
Built-in coaching and/or support*
Some services offer built-in services and support, that can be incredibly valuable to inexperienced home sellers: they'll review contracts, help prepare counteroffers and required disclosures, as well as calculate closing costs.

* Note that in states with minimum service requirements, the real estate agent that lists your home on the MLS may be required to provide you with assistance without additional costs.

How minimum service laws affect flat-fee MLS

In areas where minimum service laws have been enacted, all licensed real estate agents and brokers — including those offering flat-fee MLS services — must provide a more complete set of services to their clients, whether they pay for those services or not.

Twelve states and Washington, D.C. have banned real estate agents from offering only à-la-carte services, such as flat-fee MLS listings, to home sellers. The specific services required vary by state, but often includes negotiating and presenting offers, as well as answering questions and looking out for their clients’ best interests.

Limits Choice

Option to waive requirements

Allows Choice

Source: justice.gov

To account for the additional services they’re required to provide, flat-fee MLS companies may charge an additional fee or a commission when your house sells. Agents offering flat-fee MLS services in these states without providing the mandated support or services may be in violation of minimum service laws.

Best flat-fee MLS listing services in 2020

Trying to decide on a flat-fee MLS service? To help you make the right choice, we’ve picked some of the top companies across the country and compiled some basic, key info like pricing tiers, service terms, and links to customer reviews.

Be sure to visit and/or reach out to the companies below for more info and answers to specific questions before making a final decision.



Price Range


Number of Photos


Listing Term

6 months

Pros & Cons
  • Fizber is a flat-fee MLS referral service that connects you with local brokers and agents who will list your home on the MLS for a pre-negotiated rate
  • Requires that you offer buyer’s agent commission between 1-3%
  • Listing is typically live within 24 hours of submission
  • Fizber also offers an array of free resources and online tools (including home valuations), as well as à-la-carte downloadable forms and guidelines, such as disclosures, contracts, counteroffers, and more
$295 - MLS Boost
  • 6-month listing on MLS
  • 6 photos
  • Featured listing on Fizber.com plus unlimited photos
  • Open House Manager Tool
  • Listing on Redfin, Zillow, Realtor.com, and Trulia
  • Social media sharing
$395 - Premium MLS Boost
  • Same as MLS Boost, plus:
  • 25 photos
  • Social media sharing, plus Facebook and Instagram Ads

Fizber also offers two non-MLS listing options:

$0 - Free Listing:
  • Unlimited photos on Fizber.com

$95 - Digital Boost
  • Same as Free Listing, plus:
  • Featured Listing
  • Open House Manager Tool
  • Listing on Redfin


  • Basic package includes social media postings — premium package includes target social ads
  • Listing appears on MLS within 24 hours of submission
  • Refundable up to 30 days


  • Listing expires after 6 months — can renew listing for a discounted rate
  • Only 6 photos with basic MLS listing package
  • Making changes to your listing may incur additional fees

As of August 5, 2020, Fizber has an average rating of 3.6/5 based on 88 reviews on Trustpilot and has a B- rating on the Better Business Bureau.


Flat Fee Group

Flat Fee Group

Price Range

$399-479+ (varies by state)

Number of Photos


Listing Term

6 months up to until sold

Pros & Cons
  • Flat Fee Group is a network of independent brokers that offer flat-fee services in their respective state(s)
  • Pay no buyer’s agent commission if you find an unrepresented buyer
  • Buyer and agent inquiries forwarded to you (in most states)
  • Contracts, disclosures, and addendums included (in most states)
$399 - Showcase
  • 6-month listing on MLS in most cases
  • Syndicated to Realtor.com, Zillow, Trulia, and more
  • Up to 25 photos
  • General marketing tools (e.g. flyers, yard sign)
$549 - Premium
  • Same as Showcase package, plus:
  • Contract, offer, and document review
$479 + 0.5% at closing - Platinum
  • Same as Premium package, plus:
  • Negotiation assistance

Packages, services, and pricing vary by state. Check the website for details about options in your area.


  • Work directly with the broker, not a referral service
  • Buyer inquiries forwarded directly to you
  • Pay no commission if you find an unrepresented buyer


  • As of August 10, 2020, does not have an independent broker in Montana, West Virginia, and Wyoming
  • Experience and service quality may vary depending on your state’s broker

As of August 10, 2020, no third-party review information was available for Flat Fee Group. However, as a network of independent brokers, you can check the website, find your state’s broker and research their individual reviews.




Price Range


Number of Photos

6 to max allowed

Listing Term

3 months to Until Sold

Pros & Cons
  • Houzeo is a national flat-fee MLS referral service that connects you with local brokers and agents who will list your home on the MLS for a pre-negotiated rate
  • Draft your listing, upload photos, set your price, and sign MLS contracts via Houzeo’s dashboard
  • Autofills listing details using publicly available info about your home to expedite the listing process
  • Home valuation not included in service
  • Does not require that you offer buyer’s agent commission
  • Listing is typically live within 24 hours of submission
$79 - Bronze
  • 3-month listing term
  • 6 photos on MLS
  • Virtual tour
  • $25 for each listing change
  • Syndicated to Zillow, Trulia, Realtor.com, and more
$179 - Silver
  • Same as Bronze plan, plus:
  • 6-month listing term
  • 24 photos on MLS
  • 10 free listing changes
  • Select and communicate with Escrow Agent 
$279 - Gold
  • Same as Silver plan, plus:
  • Max photos allowed by MLS
  • Federal and state disclosures forms
$999 - Platinum
  • Same as Gold plan, plus:
  • Unlimited listing term
  • Contract and form review
  • ShowingTime Automated Showing Service
  • Pricing assistance
  • Yard sign

Houzeo also offers a-la-carte services like professional photography, pricing assistance, contract review, etc.

Packages and prices may differ from market to market. Some states require additional closing fees or have limited services.


  • Free cancellation anytime (no refunds)
  • Freedom to specify any buyer’s agent commission
  • Listings typically go live within 24 hours


  • Currently limited coverage in IA, KS, MO, MS, NE, ND, SD, WV, and WY
  • “Free changes” only apply to listing price, status, and property description; $10 for additional changes

As of August 10, 2020, Houzeo has an average rating of 4.8/5 based on 21 reviews on Google.


Will a flat-fee MLS service really save you money?

They're priced in hundreds instead of thousands, but upfront non-refundable fees and lower final sale prices can actually see you walk away with less than if you’d paid a realtor the full 6% commission — and a whole lot less than you would with a flat-commission or reduced-rate realtor. 



Price Range


Number of Photos


Listing Term

6-12 months

Pros & Cons
  • ISoldMyHouse.com is a nationwide flat-fee MLS referral service, operated by Get Listed Realty, that connects you with local brokers and agents who will list your home on the MLS for a pre-negotiated rate
  • You set buyer’s agent commission (recommend 2%-3%)
  • Listing is live within 24 hours
  • No cancellation fee
  • Unlimited listing changes
  • Buyer leads forwarded to you
  • $299 - Get LISTED
    • 6-month listing on MLS
    • Syndicated to Realtor.com, Zillow, Trulia, and more
    • 6 or 10 Photos
    • Unlimited listing changes
    • Buyer leads forwarded to you
    • Contracts, disclosures, and other forms
    • Seller-managed ISoldMyHouse.com listing

  • $399 - Get SOLD
    • Same as Get LISTED package, plus:
    • 25 photos
    • 12-month listing on MLS (in some states)

A-la-carte services include signs, lockboxes, and more

Additional fees may apply or services may differ if you live in a state with laws about minimum brokerage service requirements.


  • Unlimited listing changes
  • Buyer leads forwarded to you
  • No cancellation fee
  • Free online guides and articles for selling a home without a realtor
  • Easy social media sharing on all the major platforms


  • The network of affiliate brokers doesn’t cover every county in the country
  • Only 6-10 photos in base package
  • No built-in home valuation or market analysis

As of August 11, 2020, iSoldMyHouse.com has an average rating of 4.1/5 based on 8 reviews on BirdEye and has an A+ rating on the Better Business Bureau.


MLS My Home

MLS My Home

Price Range


Number of Photos


Listing Term

6 months

Pros & Cons
  • MLS My Home is a nationwide flat-fee MLS referral service that connects you with local brokers and agents who will list your home on the MLS for a pre-negotiated rate
  • Listings posted on the MLS within 24-48 hours
  • Buyer and agent inquiries forwarded to you
  • Set your own buyer’s agent commission (within a required range in some locations, e.g. 2-3%)
  • Pay no buyer’s agent commission if you find an unrepresented buyer
  • Cancel anytime
  • 6-month listing on MLS
  • Syndicated to Realtor.com and other major sites
  • 5 photos
  • Personal web page
  • Cancel any time
  • Pricing varies by city
  • Same as $49 package, plus:
  • 15 photos
  • Same as $69 package, plus:
  • 25 photos

Available packages, services, and pricing depend on location. Check the website for details about your local options.


  • Cancel anytime
  • No commission if you find the buyer
  • Buyer inquiries forwarded directly to you


  • Limited options and many states
  • No built-in home valuation
  • May not offer complete coverage in your state

As of August 17, 2020, MLS My Home has an average rating of 2.5/5 based on 280 reviews across Trustpilot, Yelp, and Facebook.

Note: MLS My Home will refer you to an independent, local broker who’s level of service and customer reviews may vary from MLS My Home’s, so be sure to research the broker before signing a listing agreement.




Price Range


Number of Photos

Varies by state

Listing Term

6 months

Pros & Cons
  • FSBO.com is a nationwide flat-fee MLS referral service that connects you with licensed brokerage MLSmart Realty, LLC. MLSmart Realty then handles the listing or refers you to a local brokers who will put your home on the MLS for a pre-negotiated rate
  • Set your own buyer’s agent commission (FSBO.com recommends 2-3%)
  • Making changes to your MLS listing may have additional fees
  • Cancel anytime (possible additional fee)

$399.95 - MLS package

  • 6-month listing on MLS
  • Syndicated to Realtor.com, Zillow, Trulia, and more
  • Approx. 20 photos
  • Yard sign (where available)

FSBO.com also has a package for listing on their website — not the MLS — for $99.95

Services, price, and details of FSBO.com flat-fee MLS packages vary by state. States with minimum service requirements may also have additional fees due at closing. Check the website for specifics in your area. 


  • Set your own buyer’s agent commission


  • Only one package to choose from
  • Experience, additional fees, and service quality may vary depending on your state’s broker
  • Doesn’t have full coverage in every state and not available at all in North Dakota

As of August 12, 2020, FSBO.com has an average rating of 4.9/5 based on 26 reviews on Zillow and an A+ rating with Better Business Bureau.

Note: As a referral service, the reviews and service quality of your local FSBO.com broker may vary. Be sure to research your broker before signing a listing agreement.


Flat-fee MLS listing services by state

In addition to the nationwide services listed above, there are also hundreds (if not thousands) of regional and local flat-fee MLS companies throughout the United States. While it’s not always the case, potential benefits of opting for a homegrown service include more local market knowledge, more control over your listing, better communication, and more.

It’s also worth mentioning that many of the national services simply refer you to a local realtor or brokerage. If they’re not negotiating an amazing deal on your behalf, it’s probably worth cutting out the middleman. Find your state below to compare flat-fee MLS services near you.

Alternatives to flat-fee MLS

If you’re looking to save on realtor commission but are wary of the heavy lifting that typically comes with a FSBO listing, there are a number of alternative options worth considering.

Discount real estate agents

Discount realtors and brokerages provide real estate services for a reduced commission or flat fee. Some will limit the scope of their services to offset their discounted rate, so it’s important to ask questions and do research up front so you know exactly what you’ll be getting in exchange for your fee.

If you want the savings without sacrificing service, you should look into a discount brokerage or referral service. Because these companies are able to send a high volume of new business to the agents they work with — typically at zero upfront cost (agents pay a referral fee after closing) — they’re able to negotiate significant discounts while ensuring the agents still provide full service and support.

This is exactly how Clever operates. When you sell with Clever, you’ll work with a top-rated, local agent and get full service, but you’ll a flat listing fee of $3,000 or 1% — if your home sells for more than $350,000. That’s one-third (or less) the typical rate listing agents charge for full service.


iBuyers are companies that use technology (and heaps of venture capital) to make near-instant, cash offers on qualifying homes — usually within 24-48 hours — often sight unseen.

In exchange for this service, most iBuyers charge a built-in fee — typical 6-14% of the final offer price — which is somewhat comparable to the total commission fee sellers pay in a typical sale. In exchange, you gain unparalleled speed, convenience, and certainty — three things that can be hard to come by in a traditional home sale.

Selling to an iBuyer removes the need to hire a realtor, market your home, do showings and open houses, deal with multiple offers, negotiations, paperwork, etc. Many sellers feel that the benefits more than justify the built-in fee — especially when you consider some of the aforementioned cost savings that you gain by going this route.

The primary downsides of iBuyers are limited availability (these companies only operate in a handful of U.S. markets) and strict criteria for the types of homes they’ll buy (e.g., post 1970s construction, within a certain price range, in good condition, less than one acre lot, etc.).

FSBO (without listing on the MLS)

Even though having your house listed on the MLS is often the most effective way to get your home in front of qualified buyers, it is possible to sell your house without it.

You can list your home FSBO on Zillow and a number of other sites for free — just note that you will still have to offer a buyer's agent a commission of 2-3% of your home's sale price to attract incentivize local realtor's to show your home to their clients.

Also, be aware that most of these companies are able to offer “free” services by turning around and selling your information to real estate agents in your area. After you sign up, you’ll likely be bombarded with calls; however, chances are they won’t be from qualified buyers, but instead from local realtors looking to represent you.

FAQs about flat-fee MLS services

Are flat-fee MLS services legal?

In the 12 states and the District of Columbia where there are minimum service laws, it’s not legal for companies to only list your house on the MLS without also providing the required minimum services. These required services vary by state, but often include negotiating offers and providing general counsel if their clients have questions.

States and territories with minimum service mandates include:

  • Alabama
  • District of Columbia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Missouri
  • Oregon
  • Texas
  • Utah
  • Washington
  • West Virginia

Additionally, Delaware, Florida, Nevada, New Mexico, Ohio, Pennsylvania, Tennessee and Wisconsin have passed minimum service legislation, but give consumers the option to waive these requirements if they choose to work with a flat-fee MLS service.

Do you need to use a MLS service to get your home on Zillow?

No. You can post your home "For Sale By Owner" (FSBO) on Zillow for free without working with a real estate agent or paying an MLS listing service to list your home for you.

Do flat-fee MLS listings work?

Choosing a flat-fee MLS company ensures that your home is seen by the greatest number of interested buyers and is an effective way to save on commission costs. However, having your home seen by potential buyers is only part of the home selling process.

Unless you are willing to devote the substantial time and effort necessary to sell your home FSBO, you can expect mixed results using a flat-fee MLS listing company.

What is a flat-fee commission?

A flat-fee commission is a set rate that is paid to a real estate agent, as opposed to a percentage based commission that depends on the sales price of the home.

When selling your home, a flat fee is typically much cheaper than a percentage based commission, which can range between 4% and 6% — usually with half going the commission going to the buyer's agent and half going to your agent. Note that if you work with a flat-fee real estate agent, you will still have to offer a buyer's agent commission of 2-3% to attract serious buyers.