Selling a house in Kentucky can be expensive. Between repairs, realtor commissions, closing costs, moving fees, and more, your total expenses can easily eat up 12.76% or more of your home’s final sale price.
While you may not be able to avoid some costs completely, there is one way to save big when you sell in Kentucky.
Clever Real Estate can help you save thousands on realtor fees. With Clever, you'll work with a full-service agent from a top brokerage, but pay only 1% or $3,000 to list your home. For a typical home in Kentucky, that could save you $2,444 and reduce your cost to sell by over 10%!
Average cost to sell a house in Kentucky
Your total out-of-pocket costs will vary based on your situation, but you should expect for around 12.76% of your home’s final sale price to go towards selling costs. If you sell your home for $200,144 — the median home value in Kentucky — you'll likely spend $25,529.
Here's how much you can expect to pay at different price points based on the average cost to sell a house in Kentucky.
Cost to sell
Common expenses for home sellers in Kentucky
The chart below breaks down some of the most common expenses for home sellers in Kentucky.
Keep in mind these costs are highly variable — particularly the home prep and relocation expenses. Talk to your realtor for a more accurate and tailored estimate of your costs.
While repairs, closings costs, and relocation expenses may be out of your control, you can still save money on realtor fees by either selling for sale by owner (FSBO) or hiring a discount real estate broker.
How much will I make selling my Kentucky house?
How much money you pocket after selling your house will depend on several factors, including:
- How you choose to sell your home (realtor, cash buyer, for sale by owner, etc.)
- Which repairs and improvements you do to prep your home for sale
- Whether you make any concessions or offer incentives to buyers
- State and local taxes and closing costs
- Your remaining mortgage balance
If you don't have a mortgage, you'll get the entire sale price minus the costs of selling your home. That means you could take home $174,615 if you sell your home for $200,144 and pay 12.76% to sell it.
But you may owe money on the property or have other unique expenses that impact your overall cost to sell.
Cost of selling a house calculator
Use this cost of selling a house calculator to get a better idea of how much you'll have to spend to sell your home — and how much you'll take home after!
Home selling costs in Kentucky: An in-depth breakdown
Preparing your home for sale: Varies
At minimum, you’ll want to invest in some basic pre-listing improvements to maximize your home value. The table below breaks down some of the most common professional pre-listing expenses. And even if you decide to go the DIY route, remember to budget a few hundred dollars for supplies.
Home prep expense
Average project cost
$56 per hour
» LEARN MORE: What home improvements to make before selling
Realtor fees in Kentucky: 5.44%
Realtor fees in Kentucky
% of sale price
Buyer’s agent commission
Realtor fees are one of the biggest costs for selling a house in Kentucky. In a standard real estate transaction — one involving two traditional, full-price agents — you will likely be on the hook for covering the full commission fee for both agents.
The average real estate commission in Kentucky is between 4.71% and 6.17% of the home’s final selling price and is typically split between the two agents handling the sale.
Based on the median home value in Kentucky, that comes to roughly $10,888.
Closing costs: 3.10%
Common closing costs in Kentucky
Typical % of sale price
Title insurance (owner's policy)
Typically paid by buyer
Title insurance (lender's policy)
Typically paid by buyer
Title service fees
Attorney fees (optional)
$150 per hour
Closing costs are a blanket term for the various fees and expenses (not including realtor commission) paid at the close of a real estate transaction.
Expect to pay roughly 3.10% of your home’s final sale price at closing. Based on the average home value in Kentucky of $200,144, that translates to $6,205.
Depending on your circumstances, you might be able to negotiate for the buyer to pay some of them. However, it's just as common for buyers to ask sellers to pay their closing costs to seal the deal.
Moving expenses: ~1%
Depending on factors like the distance of your move, how much you want to DIY, and how much stuff you have, these expenses can really add up.
Moreover, don’t forget to account for potential overlap periods. If there’s a gap between when you move out of your current home and close on your new one, you may need to pay for a storage space and/or temporary housing. Or you may have to pay carrying costs (e.g., utilities, HOA fees, property taxes, etc.) on two properties at once.
How to avoid losing money on your Kentucky home sale
Whether you’re selling a historic home in Louisville, an investment property in Lexington, or a duplex in Frankfort, these tips will help you earn more from your Kentucky home sale!
1. List with a low commission real estate agent
Realtor commission fees are a huge expense for Kentucky home sellers, often making up a large portion of your total selling costs. Thankfully, finding a way to save on commission is one of the best ways to make more money when you sell your home!
You can negotiate commission rates on your own, but the easiest option is to find a low commission real estate agent through an agent-matching company like Clever.
» LEARN MORE: Ways to save money when selling your house
2. Negotiate like a pro
Negotiating is a delicate balance between getting as much money as you can for your home and keeping the buyer happy and interested.
Buyers may request you pay for repairs, closing costs, or a home warranty. These fees can add up quickly and eat into your profits if you're not careful.
3. Time your sale to get top dollar for your Kentucky home
If you want to make the most profit when selling a home in Kentucky, aim to list in June. Historical data shows this is when listing prices shoot up, with homes selling for over 10% more than the annual average. On the other hand, the fastest time to sell is in November, when listings close about a week faster than average.
The biggest reason for this trend is the weather. Demand freezes and homes are more difficult to sell in the winter, even with lower prices. The pent up demand lets loose in the middle of spring, when people are more open to house hunting before the new school year comes in. Meanwhile, homes sell faster in November in anticipation of winter, as many are looking to settle in before the cold weather hits.
To take advantage of this seasonal trend, do your renovations early so that you’re ready to sell when the weather warms up. If you have to sell later in the year, there's a small window between November — when homes sell fast — and December, the month with the lowest listing prices of the year. For more traction, highlight your area’s security, the nearest school districts, and the closest family-friendly amenities in your listing. This information is sure to attract more buyers.
Know that local markets can vary wildly throughout the state, so consult with a local realtor before deciding on anything. They'll know the ins and outs of your specific neighborhood.
Our data on the costs to sell a home are compiled from the following sources:
- Home values (Zillow, August 31, 2022)
- Average real estate commissions (Clever Real Estate, survey of 630 agents)
- Service costs like attorney fees, photography, movers, title insurance, etc. were compiled from over 8,500 professional service quotes
- Tax rates are based on publicly available information
FAQs about costs to sell in Kentucky
Realtor fees will be your biggest selling expense in Kentucky making up 43% of your total selling costs! Paying less in realtor commissions is the best way to save money when you sell your home. You could try to sell your home without a realtor, but you take on a lot more risk. Your best option is to work with a low commission realtor who will give you the same level of service as a traditional agent for a fraction of the cost. Find the best low commission companies here
You should expect to pay about 3.10% of your home's final sale price in closing costs, plus 5.44% in realtor fees when you sell a house in Kentucky. However, your actual closing costs will vary depending on your situation and working with a local realtor can help you better estimate your costs.