How Much Does It Cost to Sell a Home in Loomis, CA?

What does it really cost to sell a house in Loomis, CA in 2026?

Selling a home in Loomis, CA in 2026 costs most sellers about 7% to 9% of the sale price once you add up agent commissions, escrow and title fees, the Placer County documentary transfer tax, and prorated property taxes. On a Loomis home selling near the mid-2026 median of about $950,000, that's roughly $70,000 to $85,000 in selling costs before your mortgage payoff — plus a few expenses unique to foothill properties, like septic and well testing, that you won't find on a standard tract-home sale.

By Rich & Kat Farless | August 10, 2026

Loomis isn't a cookie-cutter market, and selling here doesn't work like selling a production home in West Roseville. You've got horse properties on one-to-five-acre lots, ranchettes with outbuildings, and custom homes tucked under mature oaks. That character is exactly why buyers pay a premium — Loomis posted some of the most competitive numbers in the region in the first half of 2026, with buyers averaging 2.5 offers per home and 38% of sales closing above list. But that same character adds a handful of costs to your seller side that most online calculators miss.

Here's the honest, line-by-line breakdown of what it costs to sell in Loomis — and where the numbers actually land.

The core costs: what every Loomis seller pays

Most of your selling costs are the same ones every California seller faces. They just run higher in Loomis because the price point is higher.

Agent commissions — the biggest line by far. Commission is negotiable and always has been, but combined listing-and-buyer-agent compensation in Placer County commonly runs 5% to 6% of the sale price. On a $950,000 home, that's $47,500 to $57,000. Since the 2024 commission-rule changes, buyer-agent compensation is negotiated separately and spelled out up front — so this is a conversation to have with your agent before you list, not an afterthought.

Escrow and title fees. California closings run through a title and escrow company, not an attorney. Between the owner's title insurance policy you provide for the buyer, escrow's handling fee, and recording costs, plan on roughly 1% to 1.5% of the sale price — call it $9,500 to $14,000 on a $950,000 sale.

Documentary transfer tax. Placer County charges the standard California rate of $0.55 per $500 of value — that's $1.10 per $1,000. On a $950,000 sale, the transfer tax is about $1,045. Loomis has no separate city transfer tax on top of the county rate, which keeps this line lower than it would be selling in a charter city like Sacramento or Folsom.

Prorated property taxes. You'll pay your share of the property tax bill through your closing date. Depending on where you land in the tax calendar, this can be a few hundred dollars or a few thousand — and if you've prepaid past your closing date, you get money back.

Disclosure and prep. California requires a Natural Hazard Disclosure report (about $100 to $150), and you'll complete your Transfer Disclosure Statement and Seller Property Questionnaire. If your home is in one of Loomis's few master-planned pockets with an HOA, budget for transfer documents and fees — though most of Loomis has no HOA at all.

Add those up and the "standard" side of a Loomis sale lands around 7% to 8% of your price. Then come the costs that are specific to foothill and acreage properties.

The Loomis-specific costs: septic, wells, and acreage

This is where selling in Loomis diverges from selling a home on city sewer and water. Get ahead of these and they're minor. Ignore them and they can stall your escrow.

Septic system. Most Loomis properties are on septic, and California expects known septic issues to be disclosed on your TDS. Smart Loomis sellers get a pre-sale inspection so there are no surprises during the buyer's contingency period. A basic septic inspection runs $300 to $600, a full inspection with pumping generally runs $550 to $900, and a standalone pump-out is usually $400 to $800. Having a recent clean inspection and your pumping receipts ready is one of the cheapest ways to keep a deal on track.

Private well. If your property runs on a well, you'll disclose what you know about water quality and yield. And here's the part that catches sellers off guard: if your buyer is using an FHA or VA loan, the lender requires the well to test clean for coliform bacteria and nitrates and to flow at a minimum rate (typically 3 to 5 gallons per minute). A pre-listing water test costs a couple hundred dollars and lets you market the results as a selling point instead of scrambling mid-escrow. If you've ever installed a treatment system, the reason you installed it is a material fact you have to disclose.

Acreage marketing. A five-acre horse property with an arena doesn't sell on the same photos as a 2,000-square-foot home on a standard lot. Aerial and drone photography, well-presented land and outbuildings, and marketing that speaks to equestrian and acreage buyers all matter here — and they add to your prep budget. This is money well spent, because on acreage the land and improvements often carry as much of the value as the house itself.

Staging and pre-sale prep. Across the board, plan on roughly 1% of your sale price for staging, cleaning, minor repairs, and getting the property show-ready. On a $950,000 Loomis home, that's around $9,500 — and in a market where a third of homes sell over asking, it's often the highest-return money you'll spend.

Curious what these same systems mean from the other side of the table? We break it down in our guide to buying a home with well and septic in Loomis — worth a read, because knowing what your buyer's inspector is looking for helps you prepare.

A real Loomis example: what you actually net

Let's run the numbers on a $950,000 Loomis sale, which is right around the mid-2026 median.

• Agent commissions (5.5%): $52,250
• Escrow, title, and recording (~1.1%): $10,450
• Documentary transfer tax: $1,045
• Septic inspection and pump: $800
• Well water and flow test: $250
• Natural Hazard Disclosure and misc. disclosures: $150
• Staging and pre-sale prep (~1%): $9,500
• Prorated property taxes (varies): ~$1,500

Total selling costs: roughly $75,900 — about 8% of the sale price.

Subtract that from your $950,000, and you're at about $874,000 before your mortgage payoff. Whatever you still owe on your loan comes out of that number to get your true net proceeds. Every home is different — your commission, your prep, and your loan balance all move this figure — but 7% to 9% is the honest range to plan around in Loomis.

Two things that work in a Loomis seller's favor

No Mello-Roos in most of Loomis. Unlike much of West Roseville's newer construction, most Loomis homes carry little or no Mello-Roos assessment. That lowers your buyer's true monthly cost of ownership, which is a genuine selling point you should make sure your marketing highlights. (A few master-planned pockets do carry a CFD — worth confirming for your specific parcel.)

Capital gains — plan for it early. If you've owned your Loomis home for a long time, your gain may be larger than you expect. The IRS lets you exclude $250,000 of gain if you're single and $500,000 if you're married filing jointly, as long as it's been your primary residence for two of the last five years. Gain above that exclusion gets taxed — federally at 0%, 15%, or 20%, and California taxes the overage as ordinary income at rates up to 13.3%. On a home bought decades ago and sold near $950,000, that can be a real number. We cover this in depth in our post on capital gains tax when you sell a California home — and it's a conversation worth having with your CPA before you list, not after you close.

Your specific net depends on your home's condition, your acreage, your loan balance, and how you price it in a market that's still competitive but no longer frantic. That's exactly the kind of number we run with sellers before we ever put a sign in the yard.

Frequently Asked Questions

What percentage do you lose when you sell a house in Loomis, CA?

Most Loomis sellers pay about 7% to 9% of the sale price in total selling costs — agent commissions, escrow and title fees, transfer tax, disclosures, and prep. On a $950,000 home, that's roughly $70,000 to $85,000 before your mortgage payoff. Foothill-specific items like septic and well testing add a little on top.

Who pays the transfer tax when selling a home in Loomis?

In Placer County, the seller customarily pays the documentary transfer tax of $0.55 per $500 of value — about $1,045 on a $950,000 home. It's technically negotiable, but seller-paid is the local norm, and Loomis has no additional city transfer tax on top of the county rate.

Do I need to inspect my septic and well before selling in Loomis?

You're not always legally required to, but it's strongly recommended. California requires you to disclose known septic and well issues on your Transfer Disclosure Statement, and buyers using FHA or VA loans will require well water and flow testing anyway. A pre-listing septic inspection ($300–$900) and water test (a couple hundred dollars) prevent mid-escrow surprises and keep your deal on track.

How long does it take to sell a house in Loomis in 2026?

Loomis has been one of the most competitive markets in the region, with well-priced homes drawing multiple offers. But days on market are driven almost entirely by pricing in the first week — homes priced at or below comparable sales tend to go under contract fast, while overpriced homes sit for weeks and often sell for less after a reduction. Acreage and equestrian properties can take longer simply because the buyer pool is smaller.

Will I owe capital gains tax when I sell my Loomis home?

Possibly, if your gain exceeds the exclusion. You can exclude $250,000 of gain if single or $500,000 if married filing jointly, provided the home was your primary residence for two of the last five years. Anything above that is taxed federally and by California — so if you've owned a Loomis home for a long time, plan for it early with your tax advisor.

Ready to run your real numbers?

Selling in Loomis costs about 7% to 9% of your price, but your true net comes down to the details — your commission, your acreage prep, your septic and well condition, your loan payoff, and how sharply you price into a still-competitive market. The only way to know your real number is to run it against your actual home and today's Loomis comps.

That's what we do. If you're thinking about selling — this year or just weighing your options — Rich & Kat will walk you through your net sheet, the foothill-specific prep that protects your deal, and a pricing strategy built for the Loomis market. Curious what it costs on the other side of a move? See our companion guide on what it costs to buy a home in Loomis, and review what California sellers are required to disclose before you list.

Schedule a free consultation at richandkatsoldthat.com/talktous.

About Rich & Kat Farless

Rich and Kat Farless are a husband-and-wife real estate team with over 30 years of combined experience serving buyers and sellers across the Sacramento region. As the #1 husband-and-wife team in Roseville, CA, they specialize in single family, new construction, and luxury properties across Placer, Sacramento, and El Dorado counties. Connect with them at richandkatsoldthat.com.