Quick answer (as of November 2026) A seller in Spring Hill, TN usually pays the commission they agreed to, their own closing fee, deed preparation, the mortgage payoff and release, any association payoff letter fee, and property tax from January 1 through the closing date. Under the standard Tennessee contract the buyer pays the $0.37 per $100 transfer tax, and the owner's title policy goes to whoever the contract names. What's different in Spring Hill is the county line. On the October 2026 median single-family sale, $718,000 on the Williamson County side and $477,500 on the Maury County side, the property tax credit for a March 31, 2027 closing comes to about $889 and $620.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
You've got a price in your head for your Spring Hill house. The number that lands in your bank account is smaller, and which side of the county line you're on changes how much smaller. Two Spring Hill houses can share a ZIP code and still sit in different counties, with different tax rates, different trustees and very different median prices.
I live in Canterbury, in Thompson's Station, right next door to Spring Hill. I've been selling real estate since 2013 and I've been part of more than 500 transactions. On every Spring Hill address, I check the county, the city limits and the tax bills first, because they move the seller's side of the closing statement. This page walks through each line for a Spring Hill seller. For the full statewide table, buyer costs included, see my guide to closing costs in Tennessee.
What closing costs does a seller pay in Spring Hill, TN?
A Spring Hill seller pays the same kinds of costs as any Tennessee seller. The standard Tennessee REALTORS purchase agreement, form RF401, puts the commission, the mortgage payoff and release, the seller's closing fee, deed preparation, association payoff letter fees and property tax through closing on the seller, unless the contract changes them. Here's each line, with what's different in Spring Hill:
| Cost | Who pays under the standard contract | What's different in Spring Hill |
|---|---|---|
| Commission | Set by your listing agreement, and negotiable | Each 1% is a bigger number on the Williamson side, because the median price is higher |
| Mortgage payoff, release preparation and release recording | Seller | Recording fees set by state law |
| Seller's closing fee, document preparation or attorney's fee | Seller | Your title company's quote |
| Deed preparation and the notary on the deed | Seller | Your title company's quote |
| Association payoff or estoppel letter fee, and dues owed through closing | Seller | Only if your neighborhood has an association |
| Property tax, January 1 through closing | Seller, as a credit to the buyer | Two bills inside city limits, county and city, at different county rates |
| Prior-year property tax still unpaid | Seller | A county trustee bill, plus a city bill inside city limits |
| Transfer tax | Buyer | Same state rate in both counties |
| Owner's title policy | Whoever the contract names, because the form leaves it blank | Negotiated in your offer |
Any line can move in the contract. A seller can agree to cover part of the buyer's costs, and that comes off your side too.
Who pays the transfer tax when you sell in Spring Hill?
Under Tennessee law the buyer owes the transfer tax, and the standard contract lists it with the buyer's expenses. The rate is $0.37 per $100 of the price or the property's value, whichever is greater, as of November 2026. It's a state tax, so it's the same on the Williamson and Maury sides of Spring Hill.
Tenn. Code Ann. 67-4-409 puts the tax on the grantee, which is the buyer, and the Tennessee Department of Revenue lists the rate as $0.37 per $100. RF401 includes transfer taxes and the recording fees on the deed and deed of trust among the buyer's costs. Who pays it in your deal is still something an offer can change.
If a buyer asks you to pay it, here's what that costs on each side's October 2026 median: $2,656.60 on a $718,000 Williamson-side sale and $1,766.75 on a $477,500 Maury-side sale.
How is property tax split at a Spring Hill closing?
Property tax at a Spring Hill closing is prorated by the day. The seller covers January 1 through the closing date and credits the buyer for those days, because the year's bill doesn't come until October. Inside Spring Hill city limits there are two bills to prorate, one from the county trustee and one from the City of Spring Hill, which collects its own city tax.
The method is the same, but the rates aren't. For tax year 2026, the combined rate inside city limits is $2.009 per $100 of assessed value on the Williamson County side ($1.27 county plus $0.739 city) and $2.108 on the Maury County side ($1.369 county plus $0.739 city). Tennessee assesses a home at 25% of its appraised value. If the assessor's value matched the October medians, the yearly bills would come to about $3,606 on a $718,000 Williamson-side home and about $2,516 on a $477,500 Maury-side home. My Spring Hill property tax guide has the rates outside city limits and how to check which county a house is in.
Three rules from RF401 shape the proration:
- Taxes for the year you close are prorated as of the closing date.
- If this year's rate isn't set yet when you close, the closing uses last year's rate and assessment, and the two sides settle up if the bill changes.
- Taxes from prior years, and any rollback taxes, are the seller's.
Under rule 2, a Spring Hill sale that closes in the first half of 2027 will usually be prorated on the 2026 rates above. Maury County set its 2026 rate after a countywide reappraisal, so those values are fresh.
Under rule 3, if you close in January or February 2027 with your 2026 county and city bills unpaid, both come out of your proceeds at closing.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
When are property taxes due in Spring Hill on each side of the county line?
Williamson County and Maury County taxes are both payable from the first Monday in October through the end of February, and they pick up interest on March 1. The City of Spring Hill collects its own tax and adds penalty and interest after the end of February. Here's how the three compare as of November 2026:
| Williamson County Trustee | Maury County Trustee | City of Spring Hill | |
|---|---|---|---|
| Who collects | County taxes on the Williamson side | County taxes on the Maury side | City tax on both sides, inside city limits |
| Bills go out | Early October | October | The city's pages don't give a mailing date |
| Payable | First Monday in October through February 28 | First Monday in October through the last day of February | Penalty and interest start after the end of February |
| After that | 1.5% interest on March 1, then on the first of each month | Delinquent March 1, 1.5% penalty and interest | 1.5% a month, combined |
| Bill goes to | The owner of record on January 1 | The owner of record on January 1 |
Because of the January 1 rule, a March 2027 closing still leaves the October 2027 county bill in your name. The Williamson County Trustee asks a seller to forward it to the new owner, so keep the buyer's mailing address from closing.
What does a Spring Hill seller net after closing costs?
Here's a net sheet on the October 2026 median single-family sale on each side of the county line. It assumes a March 31, 2027 closing inside city limits, a house with no association, your 2026 tax bills already paid, a standard RF401 contract and an assessor's value equal to the price. A March 31 closing gives the seller 90 days of 2027 tax.
| Line | Williamson County side | Maury County side |
|---|---|---|
| Sale price, October 2026 median | $718,000.00 | $477,500.00 |
| Commission | Set by your listing agreement. Each 1% is $7,180.00 | Set by your listing agreement. Each 1% is $4,775.00 |
| Seller's closing fee | $550.00 | $550.00 |
| Recording the lien release, two pages | $12.00 | $12.00 |
| 2027 property tax credit to the buyer, 90 days at 2026 rates | $889.19 | $620.49 |
| Transfer tax | $0.00 under the standard contract ($2,656.60 if you agree to pay it) | $0.00 under the standard contract ($1,766.75 if you agree to pay it) |
| Owner's title policy | $0.00 unless your contract puts it on you | $0.00 unless your contract puts it on you |
| Deed preparation, notary, payoff wire or courier | Your title company's quote | Your title company's quote |
| Before commission, quoted fees and your payoff | $716,548.81 | $476,317.51 |
| Mortgage payoff | Your lender's payoff statement | Your lender's payoff statement |
The $550 closing fee is the figure that came up most on my own Tennessee closing statements, and $12 is the state recording fee for a two-page document. The tax credit is the yearly bill above times 90 days, divided by 365. The two sides end up $268.70 apart on tax alone, and the transfer tax gap would be $889.85 if a buyer moved it onto you.
Based on information from Realtracs® for the period October 1, 2026 through October 31, 2026. Single-family sales in Spring Hill, TN: 31 closings on the Williamson County side and 38 on the Maury County side.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
Your house isn't the median. Send me the address and I'll run this with your county, your tax bills, your payoff and a real title quote. DM me, text or call 615-392-1186. You can also run your own numbers in my home sale calculator.
Who pays for title insurance when you sell in Spring Hill?
Title insurance on a Spring Hill sale gets paid however your contract says. RF401 leaves a blank for the title search, the lender's policy and the owner's policy, so the owner's policy is negotiated in each offer. The form sets the premiums at rates filed with the Tennessee Department of Commerce and Insurance and applies simultaneous issue rates when both policies are bought together.
So read that blank before you sign a counteroffer. If the buyer writes "Seller to pay" there, the owner's policy is a cost on your side of the net sheet. If it says the buyer pays, it isn't.
What recording fees does a seller pay in Spring Hill?
A Spring Hill seller usually records one thing, the release of the mortgage being paid off. The register's fees are set by state law: $10 per document plus a $2 general fee, which covers the first two pages, and $5 for each page after that.
Under RF401 the buyer pays to record the deed and the deed of trust. If you have a second mortgage or a home equity line, each one needs its own release.
What do the mortgage payoff and association letters cost a Spring Hill seller?
Your payoff is often the biggest deduction on the seller's side. The CFPB says a payoff amount is different from your current balance, because it includes interest through the day the loan is paid off and may include unpaid fees. Your servicer has to give you an accurate payoff statement when you ask for one.
If your Spring Hill neighborhood has an association, RF401 makes the seller responsible for dues owed through closing, special assessments approved or levied before closing, and any fee the association charges for its lien payoff or estoppel letter. The seller has to get that letter to the buyer or the closing agent no later than seven days before closing. The buyer pays the association's transfer fees and capital contributions, unless the association's own documents charge the seller. Ask for the letter early, because a missed fee or an unpaid assessment can hold up closing.
Is the real estate commission negotiable in Spring Hill?
Yes. The standard Tennessee contract says broker compensation isn't set by law and that rates are fully negotiable. What you pay is whatever your listing agreement says.
On the October 2026 medians, each 1% is $7,180 on the Williamson side and $4,775 on the Maury side. Ask any agent you interview to show you a net sheet at the fee they're proposing, on your house, before you sign anything.
Does a cash offer change a Spring Hill seller's closing costs?
A cash buyer changes the buyer's side, not much of yours. There are no lender fees, no mortgage tax and no loan documents, so the buyer's costs drop. You still pay your payoff, your closing fee, deed preparation, the release recording and your share of the property tax.
I can bring you offers through the two cash offer platforms I use, and my Spring Hill cash offer guide shows how to tell whether a cash number is fair.
How do I get my own Spring Hill net sheet?
Your real numbers come from your county, your contract, your payoff and a title quote. Here's the order I'd go in:
- Confirm the county and whether the house is inside Spring Hill city limits. The ZIP code won't tell you.
- Pull last year's county bill and, inside city limits, the city bill.
- Request a payoff statement from your mortgage servicer for your target closing date.
- If you have an association, ask what it charges for its payoff or estoppel letter and whether any assessment is pending.
- Get a title company quote for the seller's closing fee, deed preparation and the owner's policy.
- Run it all through my home sale calculator.
Selling in Thompson's Station instead? Read my seller closing costs guide for Thompson's Station. For pricing, timing and the rest of the process, start with my Spring Hill seller's guide.
Frequently asked questions about seller closing costs in Spring Hill
What closing costs does a seller pay in Spring Hill, TN?
A Spring Hill seller pays the same kinds of costs as any Tennessee seller. The standard Tennessee REALTORS purchase agreement, form RF401, puts the commission, the mortgage payoff and release, the seller's closing fee, deed preparation, association payoff letter fees and property tax through closing on the seller, unless the contract changes them.
Does the seller pay the transfer tax in Spring Hill?
Under Tennessee law the buyer owes the transfer tax, and the standard contract lists it with the buyer's expenses. The rate is $0.37 per $100 of the price or the property's value, whichever is greater, as of November 2026. It's a state tax, so it's the same on the Williamson and Maury sides of Spring Hill.
Is property tax prorated differently on the Williamson and Maury sides of Spring Hill?
The method is the same, but the rates aren't. For tax year 2026, the combined rate inside city limits is $2.009 per $100 of assessed value on the Williamson County side ($1.27 county plus $0.739 city) and $2.108 on the Maury County side ($1.369 county plus $0.739 city).
When are property taxes due in Spring Hill?
Williamson County and Maury County taxes are both payable from the first Monday in October through the end of February, and they pick up interest on March 1. The City of Spring Hill collects its own tax and adds penalty and interest after the end of February.
Is the real estate commission negotiable in Spring Hill?
Yes. The standard Tennessee contract says broker compensation isn't set by law and that rates are fully negotiable. What you pay is whatever your listing agreement says.
Who pays for title insurance when you sell in Spring Hill?
Title insurance on a Spring Hill sale gets paid however your contract says. RF401 leaves a blank for the title search, the lender's policy and the owner's policy, so the owner's policy is negotiated in each offer.
Property tax figures are the county and city rates published for the year shown and are for planning only. Your actual bill depends on the assessed value, any exemptions and the city or district the home sits in. Confirm with the county assessor or trustee and your tax professional before you rely on a number.
Want your own number before you list?
Tell me the address and the price you have in mind, and I'll show you what you'd walk away with on your side of the county line. DM me, text or call 615-392-1186.
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