Seller net proceeds analysis in Gaithersburg

The median Gaithersburg principal residence paid $5,558.55 on its levy year 2025 bill, including $1,160.22 in city tax. Settlement prorates both.

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Seller net proceeds analysis

A seller net proceeds analysis replaces the number in your head with the number on the wire: sale-price scenarios minus payoff, Maryland transfer and recordation taxes, commissions, prep, and credits.

A seller net sheet in Gaithersburg carries a city tax line that owners in unincorporated areas don’t have. On levy year 2025 bills the median principal residence paid $5,558.55 in total, and $1,160.22 of that went to the City of Gaithersburg. Settlement divides the year’s taxes by date. Whether you’ve prepaid past closing day decides if you get a credit or owe one.

The city rate is simple to check yourself. Gaithersburg has charged $0.262 per $100 of assessed value since July 1, 2010, layered on top of county and state tax. Multiply your assessment by that rate and you’ll land near the city line on your own bill. We still read the real bill, since credits, the recycling fee and the stormwater fee all move the final number.

Transfer taxes come after that. Montgomery County charges 1% on improved residential property selling for $70,000 or more. By default Maryland divides transfer and recordation taxes equally between the parties. When the buyer has never owned a Maryland home, the state portion shifts to the seller, so we ask about buyer status on every offer. That one answer can change your net by thousands.

Each figure on the sheet shows where it came from: dated tax prorations, transfer shares, loan payoff, credits and fees, laid out at three prices. Seller net proceeds analysis describes the general approach. Credits negotiated after the home inspection belong to inspection and appraisal negotiation in Gaithersburg. Pricing at each of the three levels ties to when to list a home in Gaithersburg. A town with its own levy appears in Seller net sheet in Kensington. Questions about any one line can go straight to our Gaithersburg real estate agent.

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Gaithersburg

The tax line depends on the parcel, not the mailing address. Houses inside city limits pay the $0.262 city rate along with county and state tax. Homes with a Gaithersburg address outside those limits pay county and state only. Townhouse owners in Kentlands, Lakelands and Crown prorate association dues beside the taxes. Condo sellers near Washingtonian add the building’s fees to the same sheet. Every proration starts from your own bill. Averages hide too much, especially where credits or a corner lot change the fees, so we never estimate from a neighbor’s figures.

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Answered

Gaithersburg, answered.

Q: How much city tax does a Gaithersburg seller prorate? A: It depends on your assessment. The city rate is $0.262 per $100 of assessed value, and the median Gaithersburg principal residence paid $1,160.22 in city tax for levy year 2025. Settlement splits that by date, so we take the figure from your own bill. Q: How is transfer tax divided when a Gaithersburg house sells? A: Equally, unless the contract says otherwise, under Maryland Real Property 14-104. When the buyer has never owned in Maryland, the state share moves to the seller. Montgomery County’s 1% transfer tax applies on top for any Gaithersburg house selling for $70,000 or more. Q: Has Gaithersburg’s city tax rate changed recently? A: No. The City of Gaithersburg has charged $0.262 per $100 of assessed value since July 1, 2010. County and state taxes sit on top and are set separately, so a Gaithersburg net sheet lists all three lines with their own dates and sources.

Sources

Last reviewed October 3, 2026 by Levi Loveless, licensed in Maryland and Virginia. Every rule, rate and figure on this page links to the source we checked.

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Start the net sheet from last year's bill.

Send us last year’s tax bill, your lender’s payoff figure and the price you’re considering. We prorate the city, county and state lines, apply transfer shares and show proceeds at three prices, with the source printed beside every number.