How much does it cost to sell a house in Cambridge?
Cambridge selling costs depend on the agreed commission, HST, mortgage terms, legal work and the preparation your particular property needs. Older housing, newer subdivisions and distinct neighbourhood identities make a property-specific plan more useful than a city-wide average.
The costs to put on your worksheet
Listing-side commission
Fourcities charges 1% on the listing side. Commission is calculated from the final sale price and is subject to HST.
Cooperating-brokerage commission
Any amount offered to a brokerage representing a buyer is separate and negotiable. The calculator begins with a 2% example.
Mortgage payout
Ask the lender for a payout statement and whether discharge, administration or prepayment charges could apply.
Legal and closing work
Budget for the lawyer’s fee, disbursements and adjustments. Obtain a property-specific quote instead of relying on a generic number.
Preparation and marketing
Repairs, cleaning, staging and other preparation depend on the home. Confirm what is included in the listing service before budgeting twice.
Moving and transition
Moving, storage, temporary accommodation and overlapping carrying costs may affect the cash required around closing.
On an $800,000 sale
$24,0003% listing-side example
$8,000Fourcities 1% listing side
$16,000difference before HST
Cambridge is not one uniform housing market.
Areas considered: Galt, Preston, Hespeler, West Galt and north Cambridge.
Choose the right comparison
A century home near downtown Galt, an established Preston property and a newer Hespeler home may attract different buyers and require different preparation. Comparable sales should reflect housing style, age, lot and neighbourhood—not only distance.
Prepare for return, not appearance alone
Before spending on renovations, separate visible maintenance concerns from optional cosmetic upgrades. Cleaning, decluttering, exterior presentation and completing unfinished repairs may matter more than a large project with an uncertain return.
Property details that can change the plan
Older properties may warrant extra attention to visible maintenance and documentation. Condominium sellers should also plan for condominium-related documents and any corporation-specific charges that may apply.
Before you calculate the final number
What is normally the largest cost when selling a Cambridge home?
Real estate commission and applicable HST are often the largest transaction cost, although mortgage penalties, preparation and moving expenses can also be significant.
Does Fourcities charge 1% total?
The Fourcities fee is 1% on the listing side. Any cooperating-brokerage commission is separate and negotiable. The calculator starts with a 2% buyer-agent example that you can adjust.
How do I estimate my actual proceeds?
Use the calculator with your expected sale price, current mortgage balance and realistic legal, preparation and moving estimates. Confirm mortgage and legal amounts with the appropriate providers.