How to Save on Realtor Fees in 2026 (5 Proven Strategies)

Want to save thousands on commission when selling a home in 2026? These four proven strategies help you reduce fees, negotiate smarter, and take advantage of the post–NAR settlement rule changes.

1. Negotiate Your Realtor Commission

Commission rates are fully negotiable—especially after the 2024–2026 commission reforms. Most listing agents now charge between 2% and 3%, but many will reduce their fee if you ask.

• Interview multiple agents and compare their rates
• Ask for a reduced listing commission (2% or less)
• Use competing offers to create leverage
• Request performance-based pricing
• Negotiate add-ons: staging, photography, hours of support

For a deeper look at how commissions work, see: Real Estate Fees Explained

For negotiation scripts and step-by-step tactics, read: How to Negotiate Realtor Commission in 2026

2. Understand the New NAR Settlement (2024–2026 Changes)

The industry-wide NAR settlement dramatically changed how commissions work. Many sellers don’t realize agents still try to bundle the buyer agent commission into the listing agreement—even though it’s now 100% optional.

• You are not required to offer buyer agent commission
• You can offer a lower amount (1% or less)
• Buyers may now pay their own agent directly
• Commission transparency is now mandatory

Learn how these changes affect your fees: Who Pays the Buyer’s Agent After the NAR Settlement?

3. Use a Discount or Reduced-Fee Real Estate Broker

Discount brokers offer lower listing fees—often 1%–1.5%—instead of the traditional 3%. These companies still provide full MLS access and agent support but at a reduced rate.

• Good option if you want professional help at a lower cost
• Services and support vary between companies
• Some operate only in certain markets

If you want agent support but not full 3% commissions, this is your middle-ground option.

4. Use Flat Fee MLS or Limited-Service Brokers (Best Savings)

Flat Fee MLS, limited-service brokers, and hybrid models are the most cost-effective way to sell a home while still accessing the full MLS. You pay a small upfront fee instead of a 3% listing commission.

• Get full MLS exposure (Zillow, Realtor.com, agent sites)
• Pay zero listing commission
• Optional buyer agent commission if you choose
• You control pricing, showings, and negotiations

Learn how it works: What Is Flat Fee MLS?

5. Consider iBuyers or Cash Buyers (Fast but Lower Net)

iBuyers and cash investors provide the fastest sales—sometimes within 7–14 days—but typically at a lower sale price compared to listing on the MLS.

• No repairs or showings required
• Sell quickly for convenience
• Expect to net less than a traditional MLS sale

Compare alternatives: iBuyer Alternatives