How much will a seller net after closing in Hendricks County, Indiana?
Indiana sellers typically net between 90% and 94% of their home’s sale price after closing costs and agent commissions. On a $350,000 home in Hendricks County, that means walking away with roughly $315,000–$329,000 before any mortgage payoff. Indiana’s no-transfer-tax structure keeps total fees lower than in most other states. Your exact number depends on your sale price, remaining mortgage balance, timing, and whether your home is in an HOA community.
By René Hauck, REALTOR® | April 27, 2026
Here’s what nobody tells you upfront: the number you see on Zillow isn’t your number.
Your Zestimate might say $365,000. But what you actually walk away with after the title company distributes funds at closing is a different figure — and if you’re planning to use that money to downsize, buy something smaller, or fund the next chapter of your life, you need to know the real number before you ever call an agent or put a sign in the yard.
This is the question I hear from sellers in Plainfield, Avon, and Brownsburg constantly. Sometimes it comes with real anxiety: “I’m worried I won’t have enough to do what I want to do next.” Sometimes it comes with the opposite assumption: “I thought I’d pocket the whole thing.” Most of the time, people are just surprised because no one ever walked them through it.
So let me walk you through it.
The Three Buckets of Seller Costs in Indiana
When you sell your home through a title company in Indiana — which is how the vast majority of closings work around here — money flows out of your sale proceeds in three distinct categories.
Bucket 1: Agent Commissions
This is the big one, and it’s the number that’s changed the most in recent years. After the 2024 NAR settlement, sellers are no longer automatically on the hook for both sides of the commission. You can negotiate what, if anything, you offer toward the buyer’s agent fee.
That said, most sellers in the Hendricks County market are still offering buyer-side compensation — typically in the 2.5–3% range — because it keeps more buyers in the pool and keeps your home competitive. Your listing agent’s commission is separate and negotiable. The combined total most sellers end up paying runs between 5% and 5.75% of the sale price.
On a $350,000 home, that’s roughly $17,500–$20,125 coming off the top.
Bucket 2: Title Company Fees
In Indiana, the title company handles the closing — you don’t need an attorney present, though one can certainly be involved if you prefer. As the seller, you’re typically responsible for a handful of title-related costs:
- Owner’s title insurance policy: $800–$1,500 on a $350K home. Indiana sellers commonly pay for this; it protects the buyer’s ownership claim going forward.
- Title search and exam fee: $175–$200
- Settlement/closing fee: $400–$800 (paid to the title company for conducting the closing)
- Deed preparation: $75–$100
- Recording of the deed: $50–$100 (Hendricks County Recorder’s Office fee)
Total title company costs for the seller: roughly $1,500–$2,700 on a $350,000 transaction.
Here’s the thing that surprises almost every seller I work with: Indiana has no traditional state transfer tax. In states like Illinois or Kentucky, sellers pay a percentage of the sale price just to transfer the title. You don’t. That alone can save you thousands compared to what sellers deal with in other states.
Bucket 3: Prorated Property Taxes
Indiana collects property taxes in arrears — meaning you pay 2025 taxes in 2026. When you sell, you’ll owe a prorated share of the current year’s taxes up to the closing date, which gets credited to the buyer at the table.
Hendricks County’s effective property tax rate runs around 1.01–1.11% of assessed value. On a home assessed at $350,000, annual taxes might run $3,500–$3,885. If you close mid-year, you might owe roughly 4–6 months of proration: approximately $1,170–$1,940 credited to the buyer.
Running the Real Numbers on a $350,000 Sale
Here’s how this actually looks on a closing disclosure. These are ballpark figures — your real number will vary — but this gives you a realistic baseline for a $350,000 home in Hendricks County:
| Cost Item | Approximate Amount |
|---|---|
| Agent commissions (~5.5%) | $19,250 |
| Owner’s title insurance | $1,200 |
| Title search & exam | $190 |
| Settlement/closing fee | $600 |
| Deed prep + recording | $175 |
| Property tax proration (estimate) | $1,500 |
| Total estimated costs | ~$22,915 |
| Estimated net proceeds | ~$327,085 |
That’s about 93.5% of the sale price — before your mortgage payoff.
If you still have a remaining mortgage balance of, say, $130,000, the title company pays that off at closing and you’d walk away with roughly $197,000 in cash. That’s real money — the kind that can fund a comfortable move into a patio home in Avon or Brownsburg, or stay invested while you decide what comes next.
What Could Change Your Actual Number
HOA communities. If your home is in an HOA, the title company will need to collect any outstanding dues and the buyer will receive the CC&R documents at closing. Unpaid HOA balances come directly out of your proceeds. If you’re current on dues, this adds no extra cost — but it’s worth confirming with your HOA before you list.
Seller concessions. In today’s market, buyers sometimes ask sellers to contribute toward their closing costs — often 1–3% of the purchase price. Whether you offer this depends on how competitive the market is when you list and how your home is positioned. It’s not guaranteed, but it’s worth factoring in as a possibility.
Pre-listing preparation costs. If your agent recommends addressing something before you go active — fresh paint, a pre-listing inspection, minor repairs — those costs come out of pocket before closing, not at the table. If you’re on the fence about whether to fix things up or sell as-is, I’ve written a full guide to help you think through that decision.
Timing. Because of how Indiana’s property tax proration works, sellers who close later in the year owe a larger proration credit to the buyer. It’s not a huge swing, but it’s worth understanding when you’re planning your timeline.
If you’ve been running these numbers from the downsizing side — trying to figure out whether selling makes financial sense for your next move — your equity position probably looks better than you think. Most homeowners in Plainfield, Avon, and Brownsburg who’ve owned for 10 or more years are sitting on real appreciation. Here’s how to translate that equity into buying power for your next home.
Timing your sale right can shift your net by a few thousand dollars. If you’re trying to figure out the best window to list, let’s talk through your specific situation.
The only way to know your actual net is to run a real seller net sheet — one that uses your specific home value, current Hendricks County market data, your mortgage balance, and your estimated timeline. That’s not something a website calculator can do for you. It takes a few minutes with someone who knows this market.
I run net sheets for sellers regularly, completely free, with no obligation to list. It’s one of the most useful conversations I have, because it gives people a real number to plan around — instead of guessing at a Zestimate and hoping for the best.
Want to know what past clients say about working with me? Read my reviews on Google, Zillow, and Realtor.com.
Frequently Asked Questions
Does Indiana charge a transfer tax when you sell your home?
No — Indiana does not impose a traditional real estate transfer tax. You’ll pay standard title transfer fees and the Hendricks County recording fee for the deed, but there’s no percentage-based transfer tax deducted from your proceeds. This puts Indiana sellers in a notably better position than homeowners in many neighboring states.
Want a full picture of what your closing costs would look like on your specific home? Reach out and I’ll put together a personalized net sheet — no obligation.
Who pays the owner’s title insurance in Indiana?
In Indiana, it’s common for the seller to pay for the owner’s title insurance policy — unlike in many other states where the buyer covers it. The cost typically runs $800–$1,500 on a home in the $300,000–$400,000 range. Your title company will confirm the exact premium based on your specific sale price.
How are property taxes handled at closing in Indiana?
Indiana property taxes are paid in arrears, meaning you pay last year’s taxes in the current year. When you sell, you owe a prorated credit to the buyer for the portion of the current year’s taxes that accrued while you owned the home. The title company calculates this automatically — it appears on your closing disclosure as a credit to the buyer.
Do I have to pay the buyer’s agent commission as a seller in Indiana?
Not automatically — the 2024 NAR settlement changed those rules. Sellers now decide whether, and how much, to offer toward the buyer’s agent fee. That said, most sellers in the Hendricks County market still offer buyer-side compensation (typically 2.5–3%) to stay competitive and keep more buyers in the running. Your agent can help you work through the right strategy for your specific situation and timing.
Not sure how to position your commission offering in today’s market? That’s one of the first conversations I have with sellers. Let’s talk through your options.
What happens to my mortgage balance when I sell?
Your remaining mortgage balance is paid off directly by the title company out of your sale proceeds at closing — you don’t write a separate check. The amount you walk away with is your net proceeds after commissions, fees, prorations, and the mortgage payoff. If you’re unsure of your current payoff amount, call your lender and ask for a payoff statement — it’s usually available within 24 hours.
Once you know your payoff amount, I can show you exactly what you’d walk away with. Send me a message, and we’ll run your real number together.
Running your numbers before you list isn’t optional — it’s the foundation of a good decision. If you’re thinking about selling in Plainfield, Avon, Brownsburg, Danville, or anywhere in Hendricks County, I’m happy to put together a personalized home valuation and seller net sheet — no pressure, no obligation, just your actual number.
Curious what your home is actually worth in today’s Hendricks County market? Reach out here or call/text me directly at 317-987-7068.
About René Hauck, REALTOR®
René Hauck is a REALTOR® with RE/MAX Advanced Realty, based in Plainfield, Indiana. Licensed since 2014, she’s guided 240+ buyers and sellers to successful closings totaling $51M+ in volume across Plainfield, Avon, Brownsburg, Danville, Mooresville, and the west side of Indianapolis. She specializes in helping clients navigate life-transition moves — downsizing, right-sizing, estate sales, and relocation — with clear communication, strong negotiation, and systems that keep transactions on track with less stress. René holds the Seniors Real Estate Specialist® (SRES®) designation and the Pricing Strategy Advisor (PSA) certification. She’s passionate about negotiating, understanding market value, and guiding clients through some of the most personal decisions they’ll ever make. Reach her at renehauckrealestate.com or 317-987-7068.
