The split and the cap
eXp uses a flat 80/20 split. You keep 80% of every commission until the 20% share adds up to $16,000 within your anniversary year. From that point you are capped and keep 100% of your commissions until your anniversary resets.
The cap is annual and personal, and it is the same figure for every agent at the company. A high producer reaches it early in the year and spends the rest of the year at 100%. An agent doing a handful of transactions may never reach it, and simply pays 20% on what they close.
After you cap
Capping does not mean zero cost per deal. Once you cap, a $250 fee applies to each of your next 20 transactions, then $75 per transaction after that. The $25 broker review fee continues to apply either way. In practice a capped agent doing significant volume keeps well above 90% of gross commission.
The recurring and per-transaction fees
- $85 a month. Flat, for every agent.
- $25 per transaction. Broker review, covering compliance, risk management and administrative support. It applies pre-cap and post-cap.
- $60 per transaction for errors and omissions insurance, capped at $750 per year. Once you hit that, no further E&O charges until your anniversary resets.
What eXp does not charge
No desk fees, no franchise fees, no royalty fees. That is a real structural difference from a traditional brokerage and it is worth checking against whatever you are paying now, because desk and franchise fees are often the largest line an agent stops paying when they move.
This is not the complete fee schedule. eXp also charges a one-time start-up fee when you join, and a handful of smaller charges exist depending on your state and situation.
We do not publish a start-up figure here because we would rather quote nothing than quote a number that has gone stale. Ask eXp, or whoever sends you the join instructions, for the current schedule in writing before you sign anything.Our fuller breakdown of how eXp works is here.
What eXp pays back
Some of what an agent pays at eXp comes back in forms that never appear on a fee sheet. Qualifying agents earn stock through production awards and a discounted purchase option, and ICON status returns the cap in company stock for agents who qualify. Revenue share is a third line, paid from company revenue when agents in your organization close.How revenue share works is here.None of those are guaranteed income, and none of them should be counted on before they happen, but leaving them out understates the picture as much as leading with them overstates it.
The costs that are not eXp's
Your MLS dues, association dues and licensing costs are yours regardless of brokerage. Beyond that, the sponsor organization you name is a separate cost question entirely:
- Some sponsor organizations charge a monthly fee for their systems or training.
- Some take a percentage of your commission on top of eXp's split, usually described as a team split.
- Some charge nothing, funding what they provide out of the revenue share eXp pays them.
None of these show up on eXp's fee schedule, and the difference between them over a career is larger than most of the numbers above. Ask for the figure in writing before you name anyone.The questions to ask are here.
Where Smart Agent Alliance sits on this page
We are a team inside eXp Realty. Nothing on this page changes because you name an SAA sponsor: the split, the cap and the fees are eXp's and they are identical for everyone. What we add on top of eXp costs no fee to us and no share of your commission. The one cost that is genuinely yours is that if you run our lead system you pay your own ad budget, a texting number and a web domain, and we confirm any CRM subscription cost with you before you start.
