eXp Realty Commission Split, $16K Cap & Fees (2025 Guide)
A clear, accurate breakdown of the 80/20 split, the $16,000 annual cap, post-cap fees, and U.S. monthly/transaction costs — with simple math examples for Southern Minnesota agents.
Jump to the full fee table ↓Split & Cap
80/20 split until you reach a $16,000 annual cap (per agent, per anniversary year). After that, you keep 100% of commission for the rest of your year.
Post-Cap
At 100%: pay a $250 capped transaction fee (drops to $75 after you’ve paid $5,000 in capped transaction fees), plus standard per-deal fees.
Monthly & Per-Deal
$149 start-up • $85/mo cloud brokerage • $25 transaction review • $40 risk management (caps at $500/year).
Complete Fee Breakdown (U.S.)
| Item | Amount | Notes |
|---|---|---|
| Commission Split | 80/20 | Paid until you reach the $16,000 cap |
| Annual Cap | $16,000 | Resets each agent anniversary year |
| After Capping | 100% | Keep 100% of commission for remainder of year |
| Post-Cap Transaction Fee | $250 → $75 | $250 per deal; reduces to $75 after $5,000 in capped transaction fees |
| Start-Up (one-time) | $149 | Charged ~24–48 hrs after activation |
| Cloud Brokerage (monthly) | $85 | Includes tech stack (CRM of Choice, eXp World, eXp University, Skyslope, Workplace, Luna, more) |
| Transaction Review | $25 | Per transaction |
| Risk Management | $40 | Per transaction; annual cap $500 |
Note for new agents: If you’re in the Mentor Program, mentee transactions include an additional 20% (10% to eXp, 10% to mentor) on the required mentee deals until you graduate. Requirements vary by state.
Mentor Program Details →Simple Math Examples (Southern Minnesota)
Every deal is different and commissions are negotiable. These examples show how the fees flow using sample gross commission income (GCI).
Before You Cap (80/20)
Example GCI: $7,500
- Company dollar (toward cap): $1,500
- Agent gross (before per-deal fees): $6,000
- Per-deal fees: $25 transaction review + $40 risk mgmt = $65
Estimated take-home (pre-tax): $6,000 − $65 = $5,935
Cap progress after this deal: $1,500 of $16,000.
After You Cap (100%)
Example GCI: $7,500
- Agent gross: $7,500
- Post-cap fee: $250 per deal (drops to $75 after $5,000 in capped fees)
- Per-deal fees: $25 review + $40 risk mgmt (until annual $500 cap)
Estimated take-home (pre-tax): $7,500 − $250 − $25 − $40 = $7,185
After reduced fee kicks in: $7,500 − $75 − $25 − $40 = $7,360.
FAQs
How does the $16,000 cap work?
What fees still apply after I cap?
What’s included in the $85/month cloud brokerage fee?
When is the $149 start-up fee charged?
Do mentee (new agent) deals have extra fees?
Disclosure: These figures are not a guarantee of earnings. Results depend on your production, expenses, and market. See exprealty.com/income for average agent earnings.
Anthony Simmons
eXp Realty
Call or Text: 507-363-1089
Serving Owatonna, Waseca, Medford, Faribault, Albert Lea & Surrounding Southern Minnesota Areas
