The following report was compiled by the Oliver Realty research team using cross-referenced datasets aggregated between Q1 2025 and Q1 2026. Our analysis draws on two large-scale agent surveys: a February 2026 study of 533 active real estate agents conducted by Clever Real Estate, and a Q1 2025 survey of 580 agents by FastExpert, supplemented by transaction-level commission data published by Redfin across Q1 2024 through Q3 2025, and economic research from the Federal Reserve's CoreLogic dataset. The resulting benchmarks on realtor commission by state represent one of the most current and comprehensive datasets available for home sellers navigating a post-NAR settlement market. Where applicable, Arizona-specific context has been highlighted to serve Tucson-area sellers evaluating their options.
Average Realtor Commission by State (2026)
The table below presents the average total realtor commission by state for 2026, covering all 50 states and Washington, D.C. Rates reflect the combined total paid by the seller, split between the listing agent and the buyer's agent. The national average across all states is 5.70%.
| The Average Realtor Commission by State (2026) | |||
|---|---|---|---|
| State | Avg. Total Commission | Est. Listing Agent Fee | Est. Buyer's Agent Fee |
| Alabama | 5.96% | 2.98% | 2.98% |
| Alaska | 5.51% | 2.76% | 2.75% |
| Arizona | 5.82% | 2.91% | 2.91% |
| Arkansas | 5.66% | 2.83% | 2.83% |
| California | 5.47% | 2.74% | 2.73% |
| Colorado | 5.71% | 2.86% | 2.85% |
| Connecticut | 5.57% | 2.79% | 2.78% |
| Delaware | 5.66% | 2.83% | 2.83% |
| District of Columbia | 4.50% | 2.25% | 2.25% |
| Florida | 5.57% | 2.79% | 2.78% |
| Georgia | 5.66% | 2.83% | 2.83% |
| Hawaii | 5.51% | 2.76% | 2.75% |
| Idaho | 5.71% | 2.86% | 2.85% |
| Illinois | 5.53% | 2.77% | 2.76% |
| Indiana | 5.50% | 2.75% | 2.75% |
| Iowa | 5.84% | 2.92% | 2.92% |
| Kansas | 5.84% | 2.92% | 2.92% |
| Kentucky | 5.66% | 2.83% | 2.83% |
| Louisiana | 5.66% | 2.83% | 2.83% |
| Maine | 5.57% | 2.79% | 2.78% |
| Maryland | 5.41% | 2.71% | 2.70% |
| Massachusetts | 5.57% | 2.79% | 2.78% |
| Michigan | 6.20% | 3.10% | 3.10% |
| Minnesota | 5.84% | 2.92% | 2.92% |
| Mississippi | 5.66% | 2.83% | 2.83% |
| Missouri | 5.94% | 2.97% | 2.97% |
| Montana | 5.71% | 2.86% | 2.85% |
| Nebraska | 5.84% | 2.92% | 2.92% |
| Nevada | 5.71% | 2.86% | 2.85% |
| New Hampshire | 5.57% | 2.79% | 2.78% |
| New Jersey | 5.20% | 2.60% | 2.60% |
| New Mexico | 5.82% | 2.91% | 2.91% |
| New York | 5.69% | 2.85% | 2.84% |
| North Carolina | 5.53% | 2.77% | 2.76% |
| North Dakota | 5.84% | 2.92% | 2.92% |
| Ohio | 5.90% | 2.95% | 2.95% |
| Oklahoma | 5.82% | 2.91% | 2.91% |
| Oregon | 5.51% | 2.76% | 2.75% |
| Pennsylvania | 5.77% | 2.89% | 2.88% |
| Rhode Island | 5.57% | 2.79% | 2.78% |
| South Carolina | 5.88% | 2.94% | 2.94% |
| South Dakota | 5.84% | 2.92% | 2.92% |
| Tennessee | 6.05% | 3.03% | 3.02% |
| Texas | 5.88% | 2.94% | 2.94% |
| Utah | 5.71% | 2.86% | 2.85% |
| Vermont | 5.57% | 2.79% | 2.78% |
| Virginia | 5.50% | 2.75% | 2.75% |
| Washington | 5.90% | 2.95% | 2.95% |
| West Virginia | 5.66% | 2.83% | 2.83% |
| Wisconsin | 5.84% | 2.92% | 2.92% |
| Wyoming | 5.71% | 2.86% | 2.85% |
Key Findings:
The national average realtor commission in 2026 is 5.70%, split approximately evenly between the listing agent (2.88%) and the buyer's agent (2.82%), according to Clever Real Estate's February 2026 survey.
Michigan carries the highest average commission in the country at 6.20%, nearly 1.70 percentage points above Washington, D.C.'s rate of 4.50%, the lowest in the dataset.
Arizona's average commission of 5.82% places it above the national average and higher than 25 other states, making strategic listing decisions especially important for Tucson-area sellers.
What Sellers Actually Pay: Estimated Commission in Dollars on $500K, $750K & $1M Homes by State
Understanding realtor commission by state becomes most actionable when rates are translated into real dollars. The table below applies each state's 2026 average commission rate to three sale price scenarios: $500,000, $750,000, and $1,000,000, the range where luxury and upper-tier sellers in markets like Tucson, Phoenix, Denver, and Miami are most likely to transact.
| Estimated Realtor Commission Cost at $500K, $750K, and $1M by State (2026) | ||||
|---|---|---|---|---|
| State | Rate | On $500K | On $750K | On $1M |
| Alabama | 5.96% | $29,800 | $44,700 | $59,600 |
| Alaska | 5.51% | $27,550 | $41,325 | $55,100 |
| Arizona | 5.82% | $29,100 | $43,650 | $58,200 |
| Arkansas | 5.66% | $28,300 | $42,450 | $56,600 |
| California | 5.47% | $27,350 | $41,025 | $54,700 |
| Colorado | 5.71% | $28,550 | $42,825 | $57,100 |
| Connecticut | 5.57% | $27,850 | $41,775 | $55,700 |
| Delaware | 5.66% | $28,300 | $42,450 | $56,600 |
| District of Columbia | 4.50% | $22,500 | $33,750 | $45,000 |
| Florida | 5.57% | $27,850 | $41,775 | $55,700 |
| Georgia | 5.66% | $28,300 | $42,450 | $56,600 |
| Hawaii | 5.51% | $27,550 | $41,325 | $55,100 |
| Idaho | 5.71% | $28,550 | $42,825 | $57,100 |
| Illinois | 5.53% | $27,650 | $41,475 | $55,300 |
| Indiana | 5.50% | $27,500 | $41,250 | $55,000 |
| Iowa | 5.84% | $29,200 | $43,800 | $58,400 |
| Kansas | 5.84% | $29,200 | $43,800 | $58,400 |
| Kentucky | 5.66% | $28,300 | $42,450 | $56,600 |
| Louisiana | 5.66% | $28,300 | $42,450 | $56,600 |
| Maine | 5.57% | $27,850 | $41,775 | $55,700 |
| Maryland | 5.41% | $27,050 | $40,575 | $54,100 |
| Massachusetts | 5.57% | $27,850 | $41,775 | $55,700 |
| Michigan | 6.20% | $31,000 | $46,500 | $62,000 |
| Minnesota | 5.84% | $29,200 | $43,800 | $58,400 |
| Mississippi | 5.66% | $28,300 | $42,450 | $56,600 |
| Missouri | 5.94% | $29,700 | $44,550 | $59,400 |
| Montana | 5.71% | $28,550 | $42,825 | $57,100 |
| Nebraska | 5.84% | $29,200 | $43,800 | $58,400 |
| Nevada | 5.71% | $28,550 | $42,825 | $57,100 |
| New Hampshire | 5.57% | $27,850 | $41,775 | $55,700 |
| New Jersey | 5.20% | $26,000 | $39,000 | $52,000 |
| New Mexico | 5.82% | $29,100 | $43,650 | $58,200 |
| New York | 5.69% | $28,450 | $42,675 | $56,900 |
| North Carolina | 5.53% | $27,650 | $41,475 | $55,300 |
| North Dakota | 5.84% | $29,200 | $43,800 | $58,400 |
| Ohio | 5.90% | $29,500 | $44,250 | $59,000 |
| Oklahoma | 5.82% | $29,100 | $43,650 | $58,200 |
| Oregon | 5.51% | $27,550 | $41,325 | $55,100 |
| Pennsylvania | 5.77% | $28,850 | $43,275 | $57,700 |
| Rhode Island | 5.57% | $27,850 | $41,775 | $55,700 |
| South Carolina | 5.88% | $29,400 | $44,100 | $58,800 |
| South Dakota | 5.84% | $29,200 | $43,800 | $58,400 |
| Tennessee | 6.05% | $30,250 | $45,375 | $60,500 |
| Texas | 5.88% | $29,400 | $44,100 | $58,800 |
| Utah | 5.71% | $28,550 | $42,825 | $57,100 |
| Vermont | 5.57% | $27,850 | $41,775 | $55,700 |
| Virginia | 5.50% | $27,500 | $41,250 | $55,000 |
| Washington | 5.90% | $29,500 | $44,250 | $59,000 |
| West Virginia | 5.66% | $28,300 | $42,450 | $56,600 |
| Wisconsin | 5.84% | $29,200 | $43,800 | $58,400 |
| Wyoming | 5.71% | $28,550 | $42,825 | $57,100 |
Key Findings:
On a $1M home sale, sellers in Michigan pay $62,000 in combined commission – the highest in the country – compared to $45,000 in Washington, D.C., a $17,000 gap at the exact same sale price.
In Arizona, a $750,000 sale at the state's 5.82% average costs the seller $43,650 in agent fees alone, before closing costs, transfer taxes, or other seller-side expenses.
Sellers who secure even a 0.50% reduction in total commission on a $1M home save $5,000 at closing, a figure that compounds on higher-value properties.
Realtor Commission by Price Tier: How Rates Compress on Luxury Homes
Not all homes are treated equally when it comes to commission. Redfin's transaction-level data reveals a consistent and growing divergence in buyer's agent compensation depending on the sale price. The table below tracks buyer's agent commission rates across three price segments from Q1 2024 through Q3 2025, the full arc of the post-NAR settlement market.
| Buyer's Agent Commission Rate by Home Price Tier (Q1 2024 Through Q3 2025) | |||||
|---|---|---|---|---|---|
| Price Tier | Q1 2024 | Q3 2024 (Post-Settlement) | Q1 2025 | Q3 2025 | Direction |
| Under $500K | 2.45% | 2.43% | 2.52% | 2.52% | Rising ↑ |
| $500K – $999K | 2.31% | 2.24% | 2.32% | 2.32% | Stable → |
| $1M+ | 2.30% | 2.11% | 2.17% | 2.22% | Compressing ↓ |
| National Average | 2.38% | 2.34% | 2.40% | 2.42% | Slight Rebound |
Key Findings:
Luxury sellers with homes above $1M have seen buyer's agent commissions compress from 2.30% to 2.22% between Q1 2024 and Q3 2025, the sharpest sustained rate drop of any price segment tracked.
Homes under $500K moved in the opposite direction, with buyer's agent fees rising to 2.52% by Q3 2025, reflecting tighter entry-level inventory and stronger buyer competition in that segment.
For a $750,000 home in Arizona, the difference between paying the sub-$500K buyer's agent rate (2.52%) versus the $1M+ rate (2.22%) is $2,250 in seller savings – a gap that widens to $9,000 on a $3M sale, making price-tier awareness essential during offer negotiations.
States With the Highest and Lowest Realtor Commission Rates (2026)
Where a seller lives is one of the strongest predictors of what they pay in commission. In 2026, the spread between the highest- and lowest-commission state averages is 1.70 percentage points, equal to $17,000 in commission on a $1M home, based purely on geography.
| Top 10 States With the Highest Average Realtor Commission (2026) | ||||
|---|---|---|---|---|
| Rank | State | Avg. Commission | On $500K | On $1M |
| 1 | Michigan | 6.20% | $31,000 | $62,000 |
| 2 | Tennessee | 6.05% | $30,250 | $60,500 |
| 3 | Alabama | 5.96% | $29,800 | $59,600 |
| 4 | Missouri | 5.94% | $29,700 | $59,400 |
| 5 | Ohio | 5.90% | $29,500 | $59,000 |
| 6 | Washington | 5.90% | $29,500 | $59,000 |
| 7 | South Carolina | 5.88% | $29,400 | $58,800 |
| 8 | Texas | 5.88% | $29,400 | $58,800 |
| 9 | Iowa | 5.84% | $29,200 | $58,400 |
| 10 | Kansas | 5.84% | $29,200 | $58,400 |
| Top 5 States With the Lowest Average Realtor Commission (2026) | ||||
|---|---|---|---|---|
| Rank | State | Avg. Commission | On $500K | On $1M |
| 1 | Washington, D.C. | 4.50% | $22,500 | $45,000 |
| 2 | New Jersey | 5.20% | $26,000 | $52,000 |
| 3 | Maryland | 5.41% | $27,050 | $54,100 |
| 4 | Indiana | 5.50% | $27,500 | $55,000 |
| 5 | Virginia | 5.50% | $27,500 | $55,000 |
Key Findings:
Michigan's 6.20% rate is 37.8% higher than Washington, D.C.'s 4.50%, a seller in Michigan pays $8,500 more in commission on a $500K home than a D.C. seller at the identical price.
In high-commission states like Ohio, Tennessee, and Alabama, where median home prices remain well under $400,000, elevated commission rates consume a disproportionately large percentage of seller net proceeds compared to lower-rate markets.
Arizona's 5.82% rate sits above the national average and higher than 25 of the 51 jurisdictions in this dataset, including all five of the lowest-commission states. Tucson sellers in the Catalina Foothills, Oro Valley, and Dove Mountain corridors are operating in an above-average commission environment by default.
How the NAR Settlement Changed Realtor Commissions: 2023–2025 Trend Data
In August 2024, the National Association of Realtors settlement introduced rules that changed how buyer's agent compensation is offered and negotiated. Sellers are no longer required to automatically offer a buyer's agent commission, and buyers must now agree to their agent's fee in writing before home tours begin. The table below tracks how both buyer's agent commissions and combined total commissions have moved from 2023 through Q3 2025, providing a clear view of what has and has not changed since the settlement took effect.
| Realtor Commission Trends Pre- and Post-NAR Settlement (2023 to Q3 2025) | |||||
|---|---|---|---|---|---|
| Metric | Q1 2023 | Q2 2024 (Pre-Settlement) | Q4 2024 (Post-Settlement) | Q1 2025 | Q3 2025 |
| National Avg. Buyer's Agent Commission | 2.51% | 2.38% | 2.37% | 2.40% | 2.42% |
| Buyer's Agent — Under $500K | ~2.54% | 2.45% | 2.43% | 2.52% | 2.52% |
| Buyer's Agent — $500K–$999K | ~2.40% | 2.31% | 2.24% | 2.32% | 2.32% |
| Buyer's Agent — $1M+ | ~2.44% | 2.30% | 2.17% | 2.17%–2.21% | 2.22% |
| National Combined Total Commission | ~5.80% | 5.32% | 5.32% | 5.44% | 5.44% |
Sources: Redfin Q1 2023–Q3 2025 transaction data; PR Newswire survey of 806 agents (2025); CNBC (August 2025).
Key Findings:
Nationally, the NAR settlement did not dramatically cut total commissions – combined rates dipped to 5.32% post-settlement but rebounded to 5.44% by 2025, with buyer's agent rates recovering toward pre-settlement levels in most price segments.
The settlement's most measurable impact has been in the luxury tier: buyer's agent commissions on $1M+ homes fell from approximately 2.44% in early 2023 to a low of 2.17% in Q4 2024 – a 27-basis-point compression that equals $2,700 in savings for a seller on a $1M home, and scales significantly on higher-priced properties.
For luxury sellers in Tucson neighborhoods like the Catalina Foothills, Dove Mountain, and Oro Valley, where sale prices routinely exceed $700,000, the settlement has created concrete negotiating leverage on the buyer's agent side that the national average data obscures.
Requesting a Copy of This Report
This report was compiled by the Oliver Realty research team as part of our ongoing commitment to market transparency for Tucson-area home sellers. If you'd like to request a PDF copy of this report or learn more about our agency, you can reach out here.
For homeowners with properties valued at $500,000 and above, knowing where Arizona falls on the national commission map is a starting point and not the full picture. The more important variable is whether your listing strategy is designed to generate the highest possible sale price, not simply minimize agent fees. Oliver Realty reports that its seller approach produced an average sale price of $681,016 in 2025, compared to the Tucson MLS average of $448,798. That $232,218 difference in outcome dwarfs any variation in commission rate. Start with a free home valuation to see what your property is worth today, or explore our latest Tucson market data to stay informed on current conditions.
Sources
Clever Real Estate. "Average Real Estate Agent Commission Rates (2026 Survey)." February 2026. https://listwithclever.com/average-real-estate-commission-rate/
Bankrate. Freitas, T. & Guinan, K. "Real Estate Commissions: How Much Do Agents Make?" May 2026. https://www.bankrate.com/mortgages/agent-fees-commissions/
FastExpert. Matarazzo, S. "Average Real Estate Agent Commissions by State (2025 Survey)." July 2025. https://www.fastexpert.com/blog/real-estate-agent-commissions-by-state/
Redfin. "Real Estate Agent Commissions Haven't Changed Much Under New NAR Rules." May 2025. https://www.redfin.com/news/real-estate-commissions-may-2025/
Redfin. "The Average Buyer's Agent Commission Has Risen Slightly Since New NAR Rules Took Effect." December 2025. https://www.redfin.com/news/commissions-q3-2025/
Federal Reserve Board. "Commissions and Omissions: Trends in Real Estate Broker Compensation." May 2025. https://www.federalreserve.gov/econres/notes/feds-notes/commissions-and-omissions-trends-in-real-estate-broker-compensation-20250512.html
CNBC. "Where Real Estate Commissions Stand a Year After New Rules Were Introduced." August 2025. https://www.cnbc.com/2025/08/26/where-real-estate-commissions-stand-a-year-after-new-rules-were-introduced.html
