Homecoin is a flat fee MLS company that lets you list your home on the multiple listing service (MLS) for an upfront fee of $95, $194, or $394 — depending on the level of service you want. It's available in 22 states.
Flat fee MLS companies can help you reach buyers through the MLS without paying a listing agent. On a $400,000 home, a traditional agent costs $12,000 (3%). Homecoin's basic MLS plan costs just $95, saving you about $11,900.
However, you won't get the full range of support that an agent gives. You'll be responsible for managing the home sale yourself.
This DIY approach comes with risks — including the chance of selling your home for less than it’s worth if you don’t know how to price and market it effectively. In fact, homes sold without an agent sell for $55,000 less on average than agent-assisted sales.[1]
If you want to save on fees but still get expert help, a low-commission agent might be a smarter alternative. These agents offer full service for a reduced listing fee, helping you keep more money in your pocket without sacrificing sale price or support.
Homecoin flat fee MLS plans and pricing
| Basic $95 | Review $194 | Full Service $394 |
|---|---|---|
| MLS listing & syndication 12-month listing term Unlimited photos 10 free listing changes Free cancellation Downloadable documents Email customer support Lead forwarding Listing analytics | Everything in Basic plan, plus: 1 hr live remote support Listing form review Dedicated staff member | Everything in Review plan, plus: Homecoin creates the listing 1.5 hrs live remote support Kickoff call for info/questions |
The Basic plan from Homecoin is a very affordable $95 and comes with a 12-month MLS listing, unlimited photos, free cancellation, and 10 free listing changes. While this plan doesn’t come with very much support, it’s a great value for someone who is comfortable writing their own listing and doesn’t need any assistance selling their home.
The Review plan is similar to the Basic plan, but with some assistance. You’ll still have to write the listing yourself, but you’ll have a dedicated staff member reviewing it for common mistakes. While the price is double the Basic plan, it’s still a good value compared to the competition if you want a little extra peace of mind.
The Full Service plan, despite its name, doesn't actually offer full service or the services competitors provide in higher-tier plans, such as pricing assistance and contract review. Instead, this option just means Homecoin will create the listing for you and offer limited phone support. Most of the work of actually selling your house will still fall to you.
The following services can be added to your plan for an extra fee. Some services aren’t available in all states.
- Lockbox rental: $125
- Sign post rental: $99+
- Pro photography: $182+
Traditional real estate agents
In many states, Homecoin offers traditional real estate agents for buyers and sellers. The agents provide full service and representation. However, you’ll only get in-person assistance if you pay the standard 2.5% commission rate. Otherwise, you can pay $149/hr or a $2,999 flat fee.
If you want to list with a traditional agent, you’ll likely get better service and save more money with a low-commission realtor.
Who does Homecoin work best for?
Homecoin is for home sellers who want to avoid paying a 3% commission to a listing agent and are willing to manage the sale themselves. However, not everyone is equipped to successfully sell a home on their own.
Homecoin may be a good fit if:
- You have experience with and expertise in selling homes
- You're comfortable handling most of the sales process yourself
- You're just looking for MLS access and a few other basic services
Homecoin is likely not the right fit if:
- You don't have in-depth knowledge of the home sale process
- You don't have a lot of time to dedicate to the sale
- You want hands-on, in-person support
- You want traditional services like help getting your home ready to sell and coordinating open houses
Need more support at a great price? Clever Real Estate gets you a low 1.5% listing fee with top-rated, full-service agents from trusted brokerages like Century 21 and Keller Williams. You'll receive affordable, comprehensive support from an expert dedicated to maximizing your sale price. Just answer a few quick questions, and we’ll match you with a top-rated agent near you.
Homecoin pros and cons
Pros
- Great value for the $95 Basic plan
- Positive customer reviews
- Unlimited photos for all plans
Cons
- Very limited support
- No contract review or pricing assistance
- Lockbox and yard sign cost extra
Homecoin reviews from customers
Homecoin has mostly positive customer reviews, with a rating of 4.7 out of 5 based on over 300 reviews.
Positive reviews often highlight the impressive savings that customers get from the $95 MLS listing, which is among the lowest prices in the industry.
One customer, Kristen L. (Google, 2025), said, “My home sold quickly for well over asking with over $40k savings in agent fees.” Another customer, Jay K. (Zillow, 2025), similarly said, “Just closed on my 8th sale in 7 years using Homecoin as I downsize my rental portfolio. I just calculated I saved a total of over $98,000 using Homecoin.”
While Homecoin’s no-frills plans mean customer support is limited, several reviewers were happy with the service provided.
As Margy M. (Google, 2025) said, “Easy to work with and communication (usually via email) was prompt and helpful.” Likewise, Rahat K. (Yelp, 2025) wrote, “Customer service is great. They are responsive.” Given how low Homecoin’s prices are, it’s encouraging to see that customer service has not suffered as a result.
The few negative reviews of Homecoin mostly came from customers who made a mistake on their listing or who were unprepared for the amount of work selling a house requires and frustrated by Homecoin’s lack of assistance.
To be fair to Homecoin, its Basic plan is very no-frills, and the company doesn’t promise much in the way of assistance. These issues highlight that Homecoin can work for experienced sellers, but it’s not a good fit if you’re new to selling a home or need support.
Homecoin company info
| 🏢 Business address | 600 B St, Ste 300, San Diego, CA 92101 |
| 🌐 Website | homecoin.com |
| 📞 Phone number | (888) 400-2513 |
| 🗓️ Founding | 2009 |
| 🏆 Credibility | Licensed in 22 states. Third-largest real estate brokerage by number of transactions in the United States in 2024.[2] |
Homecoin alternatives
Homecoin vs. other flat fee MLS companies
Homecoin offers excellent savings compared to most of its competitors, especially if you’re looking for a no-frills MLS listing service and you don’t require much support. However, if you need agent assistance, alternative companies may offer better value.
Beycome’s Basic plan is similar to Homecoin’s, both in terms of price and service. However, Beycome gets a slight edge thanks to its unlimited listing changes compared to Homecoin’s 10 free changes. Beycome’s higher-tier plans are more expensive than Homecoin’s, but they also come with more support and features, such as aerial photography, negotiation assistance, and transaction coordination.
Fizber is another popular flat fee MLS option, although it generally comes up short compared to Homecoin. Its basic MLS listing plan costs over twice as much as Homecoin’s but also has a much lower photo limit and only a 6-month listing term.
ISoldMyHouse.com also doesn’t provide as good of value as Homecoin. Its basic plan is about three times more expensive, and it only gives you a 6-photo limit and a 6-month listing term.
Homecoin vs. low-commission agents
Flat fee MLS services like Homecoin work best for confident, hands-on sellers. But if you’re not comfortable handling everything yourself, a low-commission agent can be a smart way to still save on commission.
Low-commission agents (which you can find through services like Clever Real Estate) charge just 1.5% to list your home and offer full service, managing all parts of the sale for you.
You’ll pay more upfront than you would with Homecoin, but you'll have a lot less work on your shoulders, and you'll likely sell for a much higher price. Agents are experts at pricing, marketing, and negotiating, which can help you get top dollar for your home.
- FSBO listings sell for 13% less on average vs. agent-assisted sales
- Clever lets you list with top local realtors for just 1.5% at closing
- Get full in-person representation, showings, pro photos, and more
