What Fees Should I Expect When Selling My Home in Las Cruces? (2025 Guide)

Selling your home is exciting — but before you start planning your next move, it’s important to understand the costs involved in selling. Many homeowners are surprised to learn that selling isn’t completely free, even in a strong market like Las Cruces.

Here’s a full breakdown of the most common fees you’ll encounter when selling a home in Las Cruces, New Mexico, and how to plan ahead so you can walk away with confidence (and the best possible profit).

🏡 1️⃣ Real Estate Agent Commission

This is typically the largest cost associated with selling.

In most cases, the total commission is around 5–6% of the home’s sale price, and it’s usually split between the buyer’s agent and the listing agent.

For example, if your home sells for $350,000, expect total commissions of around $17,500–$21,000.

💡 Note: After the 2024 NAR settlement, commissions are now negotiable — meaning you’ll decide what to offer the buyer’s agent as part of your listing agreement. Your Realtor (that’s me 👋) can help you structure it strategically so your home stays competitive while maximizing your net proceeds.

💰 2️⃣ Title and Escrow Fees

In New Mexico, sellers usually share or pay part of the title and escrow fees at closing. These fees cover the cost of:

• Title insurance (protects the buyer’s ownership rights)
• Escrow services (handling of funds and legal paperwork)
• Recording and document preparation

Typical cost: $1,000–$2,000, depending on your sale price and title company.

🧾 3️⃣ Property Taxes & HOA Dues (Prorated)

At closing, you’ll pay a pro-rated portion of your annual property taxes based on how long you’ve owned the home that year.

If your property is part of a Homeowners Association (HOA), you’ll also owe prorated dues — plus possible transfer or resale fees (usually $200–$500).

🧰 4️⃣ Repairs and Home Prep

While not technically a “fee,” prepping your home for sale can include:

• Touch-up paint, landscaping, or staging
• Minor repairs after inspection
• Professional cleaning or carpet refresh

Many Las Cruces sellers budget around 1% of their home’s value for pre-listing prep to make their property shine and attract stronger offers.

📉 5️⃣ Seller Concessions (If Negotiated)

Sometimes, buyers ask for seller concessions — credits to cover closing costs, home warranties, or rate buydowns. These can range from 2–3% of the sale price, depending on market conditions.

💡 Pro Tip: Offering a small credit can actually help your home sell faster without lowering your list price.

🏠 6️⃣ Mortgage Payoff & Loan

If you still have a mortgage, your loan balance will be paid off directly from your sale proceeds at closing.

Be sure to check if your lender charges:

• A payoff or reconveyance fee (usually $100–$300)
• Interest up to the day of closing

📦 7️⃣ Moving Costs

Once your home sells, you’ll need to factor in moving expenses — from hiring movers to renting trucks or storage.

Most local moves in Las Cruces cost $1,000–$3,000, depending on how far you’re going and how much you’re moving.

✅ The Bottom Line

Selling a home in Las Cruces typically costs around 6–10% of your final sale price when you include commissions, closing costs, and prep expenses.

The best way to maximize your profit is to:

• Price your home strategically
• Invest in small updates that boost value
• Work with a Realtor who can help you navigate negotiations, costs, and timing smoothly

📲 Thinking about selling your home in 2025? I’ll break down your estimated costs, net proceeds, and ideal pricing strategy — all before you list.

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