Break-Even Home Sale Calculator
Find the minimum price you need to sell your home for to cover all selling costs without bringing cash to closing.
Know Your Floor Before You List
Understanding your break-even sale price is essential before you list — especially in flat or declining markets. Homeowners who purchased at peak prices in 2022 with small down payments may find themselves uncomfortably close to or below break-even after accounting for selling costs. In these situations, knowing your floor helps you negotiate strategically and avoid committing to a sale that leaves you owing money at closing.
The break-even formula accounts for the circular math of commission: since commission is a percentage of the final sale price, you can't simply add commission to your balance — you must solve for the sale price algebraically. This calculator handles that calculation automatically, giving you the true floor price you need to achieve.