Interactive tool

    What selling without an agent costs you

    Enter your property value and adjust each assumption. The calculator compares the net you receive with an agent and without one, in two scenarios.

    Property details

    US$

    Agent commission

    5%
    3%6%

    Calculated commission:

    US$15,000

    Hidden costs without an agent

    Percentage below market value:8%

    Estimated loss: US$24,000

    Total cost: US$9,000

    Estimated legal cost:US$1,500
    US$250US$10,000
    Price reduction:4%

    Estimated loss: US$12,000

    Estimated impact:8%

    Estimated loss: US$24,000

    Your time cost: US$9,000

    Results

    Selling with an agent

    Expected sale value:US$300,000
    Agent commission:-US$15,000
    Other estimated costs:-US$3,000
    Net to seller:US$282,000
    Time estimate:2-4 months

    Selling without an agent (Optimistic Scenario)

    Expected sale value:US$285,000
    Commission saved:+US$15,000
    Minimum hidden costs:-US$37,850
    Net to seller:US$247,150
    Time estimate:4-8 months

    Selling without an agent (Realistic Scenario)

    Expected sale value:US$276,000
    Commission saved:+US$15,000
    Total hidden costs:-US$79,500
    Net to seller:US$196,500
    Time estimate:6-12 months

    Difference with agent vs without agent (realistic):

    +US$85,500

    more in your pocket with a professional agent

    Chart

    Want to sell with a licensed agent?

    Ask us for a free valuation. Panavanti holds license PJ 1411-22.

    About this calculator

    The default percentages are Panavanti's assumptions. Adjust them to your case. The result is illustrative and changes with the property, the neighborhood and the moment in the market.

    This tool is not financial or legal advice. If you are going to sell, ask for a valuation with comparables from your neighborhood.

    © 2026 Panavanti S.A. All rights reserved. | Last update: October 2026