Real Estate Commission Splits Explained: 80/20 vs 100% Plans

With an 80/20 split, you keep 80% of every commission and the brokerage keeps 20%. At Ivy Realty, this comes with zero monthly fees and no desk or tech fees. It's the simplest option for agents who want zero upfront costs.

A 100% commission plan means you keep every dollar of your commission, but pay a flat monthly fee ($25 at Ivy Realty) plus a per-transaction fee ($395). This makes sense when your 20% would exceed these flat fees.

If your average commission is $5,000 and you close 2 deals/month, the 80/20 plan costs you $2,000/month (20% of $10,000). The 100% plan would cost $815/month ($25 + $395×2). In this case, 80/20 may be simpler, but 100% saves you $1,185/month once volume picks up.

At Ivy Realty, you can switch between plans with 90 days notice. Start with 80/20 while building your business, then switch to 100% when the math works in your favor.