Selling a home in San Antonio in 2025 means more than sticking a “For Sale” sign in the yard. Between commissions, prep work, and closing fees, costs can stack up fast. If you’re not prepared, you may watch your profits shrink before the ink dries at closing.

As a local Realtor and Air Force veteran, I’ve helped hundreds of sellers in Greater San Antonio maximize their net proceeds while avoiding surprises. Whether you’re relocating, upsizing, or cashing out equity, here’s a detailed breakdown of what to expect, and how to plan smart from day one.

What’s the Average Cost to Sell a House in San Antonio?

In 2025, sellers should budget around 10 percent of the final sale price for everything involved in the process. On a $350,000 home, that’s approximately $35,000 in total costs.

These expenses include commissions, repairs, closing fees, buyer credits, and moving costs. Depending on the condition of your home, timeline, and market dynamics, your total could be lower, or higher.

Main Costs Sellers Can Expect

1. Real Estate Commission (5 to 6 percent)

Most homes in San Antonio are listed with a full-service agent at a commission of 5 to 6 percent, split between the listing and buyer’s agent. On a $350,000 sale, that’s about $19,600.

The commission covers marketing, negotiation, and transaction management. Working with an experienced agent ensures your pricing is backed by local data, your home shows well, and buyers are competing—not just browsing.

2. Home Prep and Repairs (1 to 3 percent)

Before hitting the market, most sellers invest 1 to 3 percent of the sale price on updates and cleaning. These improvements help reduce time on market and prevent lowball offers. Common updates include:

• Fresh interior paint
• Landscaping touch-ups
• Deep cleaning
• Light repairs or cosmetic upgrades

I offer my clients a room-by-room checklist and vendor referrals to prioritize changes that increase value without overspending.

3. Closing Costs (2 to 4 percent)

In Texas, sellers typically cover the owner’s title policy and escrow fees, amounting to 2 to 4 percent of the sale price. The good news? Texas has no state transfer tax, unlike many other states.

I request the draft settlement statement one week in advance, so we can catch any unexpected charges before you sign.

4. Buyer Concessions (0 to 3 percent)

Nearly 44 percent of sellers offered concessions in 2024 to help buyers offset interest rates or loan costs. In 2025, this trend continues. Concessions might include:

• Closing cost credits
• Interest rate buydowns
• Repair allowances

Used strategically, a $5,000 concession can boost demand without requiring a larger price cut. Every offer is analyzed to ensure the numbers work in your favor.

5. Moving and Transition Costs (0.5 to 1.5 percent)

Whether you’re staying local or moving out of state, plan for:

• Local movers: $800 to $2,500
• Out-of-state moves: $3,000 to $6,000
• Temporary housing if dates don’t align

To save, I provide a vetted vendor list that includes military discounts and flexible move-out solutions.

Additional Expenses to Track

Prorated Property Taxes

Sellers must credit the buyer for their portion of property taxes for the current year. On a $350,000 home with a 2 percent tax rate, expect to pay around $2,900 if you close mid-year.

If your mortgage escrow has surplus funds, those are typically refunded by the lender after closing.

HOA Transfer & Resale Certificates

If your home is in an HOA, expect to pay $200 to $500 for resale documents and transfer fees. These must be ordered in advance, as delays can postpone closing or cause rush fees.

Home Warranty

Many buyers request a one-year home warranty to cover major systems like HVAC and appliances. These plans cost $500 to $700 and can help avoid repair-related negotiations late in the process.

Ways to Save and Protect Your Net

• Price strategically from the start to attract offers during peak exposure.
• Do minor tasks yourself, like cleaning or touch-up painting.
• Promote an assumable VA loan if you have one—it’s a strong selling point in today’s market.
• Shop vendors, especially movers, landscapers, and cleaners.
• Review the final settlement statement before signing to ensure accuracy.

Frequently Asked Questions

• How much does it cost to sell a home in San Antonio in 2025?

Most sellers should budget around 10 percent of the final sale price to cover real estate commissions, repairs, closing costs, buyer concessions, and moving expenses. For a $350,000 home, that equals approximately $35,000, depending on your home’s condition and your sale strategy.

• Do I have to pay the buyer’s agent commission?

Yes, in Texas, the total commission—usually between 5 and 6 percent—is typically split between the listing agent and the buyer’s agent. This commission is paid by the seller at closing and deducted from the proceeds.

• What are typical seller closing costs in San Antonio?

Seller closing costs generally range from 2 to 4 percent of the sale price and may include the owner’s title policy, escrow fees, and prorated property taxes. Texas does not charge a state transfer tax, which helps reduce overall costs.

• Should I offer buyer concessions to sell faster?

Offering concessions like closing cost credits or interest rate buydowns can make your home more appealing, especially when mortgage rates are high. These concessions often cost less than a full price reduction and can help attract more buyers.

• What is the average cost to prepare a home for sale?

Home preparation typically runs 1 to 3 percent of the sale price and includes repairs, deep cleaning, painting, staging, or landscaping. A clean, neutral, and well-presented home often sells faster and for a better price.

• Are moving expenses included in the cost of selling a home?

Yes, moving costs should be factored in. Local moves typically range from $800 to $2,500, while out-of-state relocations can exceed $5,000. Consider storage or a lease-back if closing timelines don’t align.

• Will I need to pay property taxes at closing?

Yes. Sellers pay prorated property taxes from January 1 to the closing date. On a $350,000 home in Bexar County, this could amount to around $2,900 if closing happens mid-year.

• What is an HOA resale certificate, and why does it cost money?

If your home is in an HOA, Texas law allows the association to charge for resale certificates and transfer fees. These fees range from $200 to $500 and are typically paid by the seller before closing.

• Is offering a home warranty worth it?

A one-year home warranty, which costs around $500 to $700, can make buyers feel more confident, especially first-time buyers. It may help avoid costly repair requests during the option period.

• How can I reduce my costs when selling?

You can reduce expenses by:

• Pricing your home correctly from day one
• Completing minor updates or cleaning yourself
• Comparing vendor quotes
• Marketing an assumable VA loan (if applicable)
• Reviewing all final documents for accuracy before closing