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Free calculator · Ontario
Drag the bar to your home’s price and see the real number: commission, 13% HST on top, and closing costs, in dollars.
Drag the bar, or type an exact price.
A realtor costs you
$37,155
About the cost of a brand-new car
Agent commission
4%
Plus 13% HST on the commission
What selling with a realtor costs you
$37,155
What you keep
$751,680
Where the money goes
Agent commission (4%)
$31,553
HST on commission (13%)
$4,102
Lawyer & closing
$1,500
Total selling costs
$37,155
What you keep
$751,680
Break-even direct offer
$751,680
A direct offer around $751,680 would leave you with roughly the same amount as selling for $788,835 through a realtor.
Estimates only. Not financial, tax or legal advice.
Realtor commission in Ontario is negotiable, but total commissions commonly land around 3% to 5% of the sale price, with 13% HST added on top. On the average Ontario resale home in August 2026 ($788,835), a 4% commission plus HST is $35,655, before your lawyer’s fee.
Commission plus HST at three common rates, using province-wide Ontario prices for August 2026. Property types use the MLS® benchmark price for a typical home.
Condo apartment
$489,200
3% + HST
$16,584
4% + HST
$22,112
5% + HST
$27,640
Townhouse
$585,000
3% + HST
$19,832
4% + HST
$26,442
5% + HST
$33,053
Single-family home
$826,900
3% + HST
$28,032
4% + HST
$37,376
5% + HST
$46,720
All homes (average)
$788,835
3% + HST
$26,742
4% + HST
$35,655
5% + HST
$44,569
Source for prices: CREA board statistics, Ontario Real Estate Association (province-wide), August 2026. Commission rates are examples; yours is set in your listing agreement.
The biggest cost by far. It is set in your listing agreement as a percentage of the sale price, and it is usually shared between your agent and the buyer’s agent. Because it is a percentage, it grows with your home’s price.
Ontario’s 13% HST is charged on top of the commission. Many sellers forget it until closing: on a $30,000 commission it adds $3,900.
Your real estate lawyer handles the closing documents and pays out the sale funds. Fees vary by firm, so get a quote up front.
Estimates only, for comparison. Not legal, tax or financial advice. Private Deals buys homes directly and is not a real estate brokerage. Last reviewed October 3, 2026.
