How Much Will I Actually Net from Selling My Home in Central Arkansas?

A real-world breakdown of what sellers keep after commissions, closing costs, and fees — in Little Rock, Maumelle, North Little Rock, Sherwood, Benton, Bryant & Cabot

By Amanda Galbraith | Arkansas Property Management & Real Estate | www.ar-property.com

●  After I sell my home, how much money will I actually walk away with?

ANSWER FROM AMANDA GALBRAITH, BROKER/OWNER:

This is the number one question I hear from sellers across Central Arkansas — and honestly, it’s the most important one. Because the sale price of your home is NOT the amount you take home. There are commissions, closing costs, title fees, taxes, and potentially a mortgage payoff that all come out before you see a penny.

The good news? When you work with an agent who understands these numbers inside and out, there are no surprises on closing day. I prepare a detailed Seller Net Proceeds Sheet for every one of my listing clients before we ever put a sign in the yard. It’s the single most important document in the selling process — and most agents never provide one until it’s too late.

Let me walk you through exactly how seller net proceeds work here in Central Arkansas.

What Are Seller Net Proceeds?

Your net proceeds are the amount of money you actually take home after every cost of selling is subtracted from your sale price. Think of it as your “bottom line.”

Here’s the simple formula:

Sale Price – Mortgage Payoff – Agent Commissions – Closing Costs – Repairs/Concessions = YOUR NET PROCEEDS

On a $300,000 home in Central Arkansas, sellers typically walk away with roughly $245,000 to $265,000, depending on their remaining mortgage balance and the specifics of their transaction. That’s a gap of $35,000 to $55,000 in costs — and every dollar of it is something I help my sellers plan for in advance.

What Costs Come Out of My Sale Price?

Here’s a realistic breakdown of what sellers in Little Rock, Maumelle, North Little Rock, Sherwood, Benton, Bryant, and Cabot should expect to pay when they sell:

When you add it all up, most sellers in Central Arkansas pay somewhere between 8% and 10% of their sale price in total costs — before subtracting their remaining mortgage balance.

💡 Amanda’s Tip: I prepare a custom Seller Net Proceeds Sheet for every listing client before we set the price. This document shows you, to the dollar, what you’ll walk away with at closing. No guessing, no surprises. It’s one of the first things I do at every listing appointment.

A Real-World Example: Selling a $300,000 Home in Maumelle

Let’s say you’re selling a home in Maumelle for $300,000 and you still owe $180,000 on your mortgage. Here’s approximately what your net proceeds might look like:

That $91,000 is what this seller would actually deposit into their bank account after closing. Without a net proceeds sheet, many sellers assume they’re walking away with $120,000 and are shocked when the real number is $30,000 less. I never let that happen to my clients.

How Do Property Taxes Affect My Net Proceeds in Central Arkansas?

Property taxes are prorated at closing, meaning you pay your share from January 1 through your closing date. The rate varies significantly depending on where you live. Pulaski County, which covers Little Rock, Maumelle, North Little Rock, and Sherwood, has a property tax rate of about 0.81% of assessed value. Saline County, covering Benton and Bryant, tends to run lower, as does Lonoke County near Cabot.

If you close in June, you’ll owe roughly half a year’s taxes at closing. If you close in November, you’ll owe almost a full year. I factor this into every net proceeds calculation so you know exactly where you stand.

What About Real Estate Commissions?

●  How much do I have to pay in real estate commissions when I sell my home?

ANSWER FROM AMANDA GALBRAITH, BROKER/OWNER:

Real estate commissions are typically the largest single cost when selling. In Arkansas, the average total commission is around 5% to 6% of the sale price, split between the listing agent and the buyer’s agent.

Since the 2024 NAR settlement, the way commissions work has shifted. Buyers now sign separate agreements with their agents, and sellers are no longer required to offer compensation to the buyer’s agent. However, most listing agents — myself included — still recommend offering a competitive buyer’s agent commission because it keeps your home accessible to the largest pool of qualified buyers.

Here’s the bottom line: my job isn’t just to sell your home. It’s to sell your home for the highest possible price, in the shortest amount of time, with the fewest headaches — so that your net proceeds are maximized. The marketing, staging, negotiation, and pricing strategy I bring to the table more than offset my commission in the vast majority of cases. My listings sell in an average of 14 days with a 99% list-to-sale price ratio — both well above the Central Arkansas market average.

5 Ways I Help My Sellers Maximize Their Net Proceeds

1. Accurate Pricing from Day One

Overpricing costs sellers more than underpricing. A home that sits on the market 60+ days typically sells for less than one priced correctly from the start. I use a detailed comparative market analysis combined with my knowledge of every neighborhood in Central Arkansas to get your price right.

2. Professional Staging Through Staging 2 Sold

I own a staging company, Staging 2 Sold, and offer preferred pricing to my listing clients. Staged homes sell faster and for more money — which directly increases your net proceeds.

3. Diamond Platinum Marketing

My Diamond Platinum Marketing system includes professional photography, drone footage, targeted digital advertising, social media campaigns, and email marketing to my buyer database. More exposure means more offers, which means a stronger sale price.

4. Strategic Negotiation on Repairs and Concessions

After the home inspection, buyers often request repairs or concessions. I negotiate these strategically to protect your bottom line — not just accept whatever the buyer asks for. This alone can save sellers thousands of dollars.

5. A Custom Net Proceeds Sheet Before You List

Before we even set your price, I give you a detailed net proceeds sheet showing what you’ll walk away with at every possible sale price. This lets you make informed decisions from the very beginning — not at the closing table when it’s too late.

💡 Amanda’s Tip: Want to see what your net proceeds would look like right now? I offer a free, no-obligation seller consultation where I’ll prepare a custom net proceeds sheet for your specific home. Just call or text me at (501) 804-9942.

What Should I Do Next?

If you’re even thinking about selling your home in Central Arkansas, the smartest first step is to find out what your home is worth and what you’ll actually net from the sale. I provide both — for free — at every seller consultation.

Whether you’re in Little Rock, Maumelle, North Little Rock, Sherwood, Benton, Bryant, or Cabot, I’d love to sit down with you, review the numbers, and give you a clear picture of where you stand. No pressure, no obligation — just the facts you need to make a confident decision.

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Ready to Find Out What You’ll Net from Your Home Sale?

Schedule your free seller consultation and get a custom net proceeds sheet for your home.

Call or text Amanda: (501) 804-9942

www.ar-property.com

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About the Author

Amanda Galbraith, Broker/Owner

Amanda Galbraith is the Broker/Owner of Arkansas Property Management & Real Estate, located at 804 Edgewood Drive in Maumelle, Arkansas. With 16 years of experience serving Central Arkansas — including Little Rock, North Little Rock, Maumelle, Sherwood, Benton, Bryant, and Cabot — Amanda has closed over $46 million in residential real estate sales.

She holds the ABR® (Accredited Buyer’s Representative), ePro®, and mPro® designations and is ranked the #1 agent in her office. Her listings sell in an average of 14 days with a 99% list-to-sale price ratio, both significantly above the Central Arkansas market average.

Amanda also owns Staging 2 Sold, a professional staging company that provides preferred pricing for her listing clients. She is a Tom Ferry coaching client and invests over $21,000 annually per agent in training, technology, and marketing tools to ensure her clients receive the highest level of service.

Whether you’re selling your first home, upgrading, downsizing, or managing investment properties, Amanda is committed to making the process seamless, transparent, and profitable.

Website: www.ar-property.com

YouTube: YourLRRealtor

Phone: (501) 804-9942

Office: 804 Edgewood Drive, Maumelle, AR 72113