A clear breakdown of commissions, closing fees, and local taxes every Hudson County home seller should understand.

Selling a home in Hudson County is more than just a transaction; it is a chance to move forward, create new opportunities, and capitalize on the competitive New Jersey market. Whether your property is in Hoboken’s bustling downtown or Jersey City’s vibrant neighborhoods, sellers in Hudson County enjoy access to an active pool of buyers and steady appreciation. With local inventory remaining in tight supply and pricing holding strong, this is a favorable time for motivated sellers to maximize their earnings.

Navigating commissions, legal fees, and essential closing costs does not have to be stressful. In fact, with the right preparation and expert support, every step, from pricing and marketing to the final signatures, can be smooth and rewarding. Sellers who budget smartly, understand each required fee, and work with trusted professionals like the Jill Biggs Group consistently achieve faster sales and receive top-dollar offers.

Becoming an informed seller means having direct answers about the costs of selling, knowing how to avoid surprises, and confidently moving through the process. This guide is designed to help Hudson County homeowners unlock value, gain clarity on every expense, and make empowered decisions that turn their next move into success.

Agent Commissions in NJ

• Typical Hudson County commission is 5 to 6 percent of the sale price, split between the listing and buyer’s agents. Commission rates are negotiable.

• On a $679,000 sale, that is about $33,950 to $40,740 total.

• Working with an experienced agent like the Jill Biggs Group ensures commission investments deliver full-market visibility, strategic pricing, and strong negotiation, all translating into higher net proceeds.
  
  

Core Seller Closing Costs and Local Fees

• Realty Transfer Fee is a statewide charge that starts at roughly .8% of the sale price, with higher rates above $1 million or for certain municipalities.

• Property Tax Proration means sellers pay their share of property taxes up to closing. The 2025 Hudson County equalized property tax rate is about $3.41 per $1,000 of value, according to recent NJ government records. Final amounts can vary with local mill rates and specific municipality adjustments.

• Title Insurance and recording are required and average $700 to $2,000.

• Engaging an Attorney is strongly advised in New Jersey, and costs typically run $1,500 to $3,000.

• Seller Concessions in competitive markets can commonly be 1 to 2 percent in buyer incentives, subject to negotiation.

• HOA or Condo Fees may apply. Review your building’s documents.

• For sales over $1 million, the “mansion tax” applies at 1% of the entire sale price. Additional supplemental realty transfer fees may apply above $1 million, scaling up to 3.5% for ultra-high-value properties. These rates are set by the NJ Division of Taxation.

• Municipal Fees in certain towns such as Hoboken and Jersey City may apply and include required inspections or certificates. Always ask your agent for the up-to-date checklist.

• Repairs, cleaning, or staging are not mandatory by law, but investments in these often yield a faster sale and better price. Learn more about the value of staging and repairs in 2025.
  
  

Example Cost Breakdown: Hudson County Median Sale ($679,000)

Agent Commission

$33,950–$40,740

Realty Transfer Fee

~$5,432 (0.8%)

Attorney Fees

$1,500–$3,000

Title/Recording Fees

$700–$2,000

Seller Concessions

$6,790–$13,580

HOA/Condo Fees

Varies

Property Tax Proration

~$8,000–$20,000

Hudson County Home Sellers Also Ask (FAQ)

1. What seller closing costs are tax-deductible?

Most seller closing costs, such as commissions, attorney fees, state transfer taxes, and title charges, are not directly deductible on federal income taxes. However, these costs can be subtracted from your sale price when calculating your capital gains, reducing federal and state tax exposure. Property taxes and mortgage interest paid at closing may be deductible if you itemize. New Jersey generally follows federal guidance, but always consult your tax advisor for personalized advice.

2. Can a seller pay all closing costs?

Yes. Hudson County home sellers can offer to pay some or all of the buyer's closing costs, typically as a concession to help close deals or assist buyers with financing. Limits may apply depending on loan type and lender rules.

3. Can closing costs be paid with a credit card?

Nearly all closing costs, especially major fees like commissions, taxes, and title or attorney charges, must be paid by certified funds such as cashier’s checks or wire transfers at closing. Some minor expenses, like inspections, may be prepaid by credit card, but always confirm payment methods with your attorney and closing company ahead of time.

Ready for a Smooth Sale?

Selling a home in Hudson County brings opportunity, and with Jill Biggs Group, sellers leverage best-in-class marketing, negotiation, and local expertise to achieve the best outcome. Every dollar invested in the right team translates to peace of mind and a stronger bottom line.

Ready to make your move? Contact The Jill Biggs Group for a free seller consultation, custom market report, and a breakdown of your expected costs.