If you are sitting at your kitchen table in Plano, sipping coffee and wondering if now is the right time to put a “For Sale” sign in the yard, you aren’t alone. It is early February 2026, and homeowners across Collin County are asking the same question. The market has shifted since last year, and navigating a sale today requires a slightly different playbook than it did even 12 months ago.
Selling a home is about more than just cleaning up and taking photos. It involves navigating Texas-specific contracts, understanding local buyer expectations, and knowing exactly where your money goes at the closing table. Whether you are in a classic West Plano custom home or a townhome near Legacy West, this guide walks you through what to expect when you decide to sell your home in Plano this year.
The Plano Real Estate Market: A 2026 Snapshot
Let’s look at the numbers. As we move into the Spring 2026 selling season, the market feels much more balanced. We aren’t seeing the chaotic frenzy of a few years ago, but buyer demand remains healthy due to the strength of the local economy and the continued draw of Plano Independent School District (PISD).
Currently, inventory levels are stabilizing. This means we are in a balanced market—neither fully favoring the buyer nor the seller. For you, this means you can get a great price, but you can’t get away with overpricing a home that needs work.
Here is what the landscape looks like right now:
- Median Sales Price: Most single-family homes in the area are trading in the $500,000 to $530,000 range.
- Pacing: Homes are taking a little longer to go under contract. You should expect an average of 40–60 days on the market.
- Inventory: We are sitting at about 2.5 to 3 months of inventory, which is a healthy, neutral spot.
If you want to dive deeper into specific neighborhoods, checking current Plano market trends is a smart first step.
Cost to Sell a House in Plano (2026 Estimates)
One of the biggest surprises for first-time sellers is the “net sheet”—the document that shows how much money you actually walk away with. It is easy to fixate on the top-line sales price, but fees in Texas can add up.
Generally, you should budget about 7–9% of the sales price for total selling costs. Here is where that money goes:
- Agent Commissions: This is typically the largest chunk, historically around 5–6% of the sales price, which is usually split between your listing agent and the buyer’s agent.
- Title Policy: In Texas, this is a negotiable item, but it is highly customary for the seller to pay for the owner’s title policy. On a $500,000 home, expect this to run between $2,900 and $3,500.
- Closing Costs: You will have miscellaneous fees like escrow fees, tax certificates, and recording fees. Budget roughly 1% of the sale price here to be safe.
- HOA Fees: Most Plano neighborhoods have an HOA. You will likely need to pay for a resale certificate (which lets the buyer know you are current on dues), costing around $300–$500, plus potential transfer fees.
- Property Taxes: This is a big one. You will owe property taxes for the portion of the year you owned the home. This appears as a credit to the buyer at closing.
To get a precise figure based on your equity, you can calculate your closing costs before listing.
Timeline: From “Thinking About It” to Listed
If you want to hit the market at the peak of the spring season, you typically need to start working backward from your target date. Rushing the process often leads to leaving money on the table.
- 3–6 Months Out: Start with the “unsexy” work. If you have deferred maintenance—especially roof issues from past hail storms or foundation concerns—address them now. This is also the time to start decluttering. If you haven’t used it in a year, box it, donate it, or toss it.
- 1–2 Months Out: This is when things get real. Deep clean the house (including windows and grout). This is also the right time to interview agents and schedule a staging consultation. You want to view your home through a buyer’s eyes, not a homeowner’s eyes.
- 2 Weeks Out: Your home should be “show ready” by now. The photographer will come in to take professional shots. Do not skip this; online photos are your first showing. You will also finalize your listing price based on the most recent comps.
- Listing Day: Ideally, you want to go live on the MLS on a Thursday or Friday. This generates momentum heading into the weekend when most buyers are free to tour.
For a more detailed breakdown of what to fix, a home maintenance checklist can keep you on track.
Preparing Your Plano Home for Sale
Prepping a home in North Texas has a few specific requirements that sellers in other parts of the country don’t have to worry about.
Foundation, Foundation, Foundation: We live on clay soil that expands and contracts. It is the number one concern for buyers in Collin County. If you have had repairs, gather that lifetime transferable warranty paperwork—it is like gold to a buyer. If you have cracks you haven’t investigated, get a structural engineer’s report so you aren’t blindsided during the inspection.
Curb Appeal for the Texas Climate: Our landscaping takes a beating from summer heat and occasional winter freezes. Fresh mulch and hardy, drought-tolerant plants can make a massive difference. You want the buyer to feel good the moment they pull into the driveway.
Updates vs. As-Is: You are competing against brand-new construction in places like Prosper or Celina. While you don’t need to gut-renovate, your kitchen and primary bath need to look sharp. If you have 1990s brass fixtures or original builder-grade carpet, swapping those out usually offers a solid return on investment.
Staging Matters: Because inventory is balanced, buyers can afford to be picky. Staging helps them visualize living there and distracts from the fact that the home might be 30 years old.
Essential Texas Documents & Disclosures
Texas real estate law involves a lot of paperwork designed to protect both parties, but mostly the buyer. Being organized here can save you thousands of dollars and legal headaches.
Seller’s Disclosure Notice (SDN): This is mandatory. You must disclose everything you know about the property’s condition. Did the roof leak in 2019? Put it down. Did you fix it? Put that down too. In Texas, over-disclosure is always safer than under-disclosure.
Survey & T-47 Affidavit: If you have your existing survey from when you bought the house, and you haven’t added a pool or a fence, you can sign a T-47 Residential Real Property Affidavit. This notarized document tells the title company the survey is still accurate. Doing this saves you (or the buyer) from paying $500+ for a new survey.
HOA Documents: In Plano, you almost certainly live in an HOA. The buyer has a right to review the bylaws and restrictions. The title company will order these, but be prepared for the upfront cost of the resale certificate.
MUD/PID Notices: While less common in central Plano than in newer developments, check if your home is in a Municipal Utility District (MUD) or Public Improvement District (PID). If so, there are specific forms you must provide before the buyer signs an offer.
The Selling Process: Listing to Closing
Once the sign is in the yard, the process moves quickly. Here is the typical flow of a transaction in our area.
Showings: You will likely use a showing service that texts you when an agent wants to bring a client by. You should have a lockbox on the door. It is inconvenient to leave your house constantly, but restricting showings kills deals.
Reviewing Offers: Don’t just look at the price. Look at the closing date, the type of financing (cash is king, but conventional is great), and whether they are asking for a leaseback (staying in the home for a few days after closing).
The Option Period: This is unique to Texas and arguably the most stressful part for sellers. The buyer will pay a small fee (usually $100–$500) for the unrestricted right to terminate the contract for any reason within a set number of days (usually 5–10). This is when they will do their inspection. Expect them to come back and negotiate repairs or ask for a price reduction during this window.
The Appraisal: If the buyer is getting a loan, the bank will send an appraiser to verify the value. If the appraisal comes in low, you have to decide whether to lower the price or ask the buyer to cover the gap.
Closing Day: You will go to the title company (or have a mobile notary come to you) to sign the deed and transfer ownership. Once the loan funds, the keys belong to the new owner.
For more on navigating the inspection phase, it helps to spend time understanding the option period.
Do You Need a Plano Real Estate Agent?
With technology today, some homeowners consider “For Sale By Owner” (FSBO) to save on commissions. It is a valid option, but it comes with trade-offs.
The FSBO Route: The main appeal is saving that listing commission. However, you are responsible for accurate pricing, marketing, and legal liability regarding the Seller’s Disclosure. Without access to the MLS, your buyer pool is significantly smaller.
The Agent Advantage: A local expert does more than open doors. They provide a buffer during negotiations (which can get emotional) and manage the complex timeline of the Texas contract. Statistically, agent-assisted homes tend to sell for more money, often enough to offset the commission cost.
If you are unsure, you can interview a few professionals to see if their strategy aligns with your goals.
3 Tips to Maximize Your Sale Price in 2026
If you want to get the best possible result this year, keep these three strategies in mind.
- Time it Right: Spring is historically the peak season in Plano. Families want to be settled before the next school year starts. Listing between March and May puts you in front of the largest pool of motivated buyers.
- Price Strategically: In a balanced market, pricing slightly below market value can generate buzz and potentially trigger multiple offers. Pricing too high often leads to a stale listing and eventual price cuts.
- Be Flexible: Make your home easy to show. If a buyer can’t see it on their schedule, they will go look at the house down the street. The more eyes on your property, the better your odds of a great offer.
Frequently Asked Questions
What is the best month to sell a house in Plano, TX?
Late spring is typically the sweet spot. Listing in March, April, or May allows you to capture buyers who want to close and move in during the summer break, which is a major driver for families zoning into Plano ISD.
Who pays for the title policy in Texas?
While everything in a real estate contract is negotiable, it is standard practice in Texas for the seller to pay for the owner’s title policy. This protects the buyer against past ownership disputes or liens on the property.
How long does the option period last in Texas?
The option period is negotiated between the buyer and seller, but it generally lasts between 5 and 10 days. During this time, the buyer conducts inspections and can back out of the contract without losing their earnest money.
Do I have to fix foundation issues before selling?
You are not legally required to fix foundation issues, but you must disclose them on the Seller’s Disclosure Notice. However, unrepaired foundation issues will significantly lower your buyer pool and sale price, limiting you mostly to cash investors.
