The HomeSmart stack in 2026: 100% commission with the tech bundled
HomeSmart’s pitch is agent freedom — 100% commission plans with integrated technology and, notably, no separate tech fees. Here’s the line-by-line from public sources, and where the honest questions live.
Per HomeSmart’s materials and third-party coverage: transaction-fee plans run roughly $399–$495 per deal (or as low as $39/mo + $495/txn), with a 90/10 alternative and a coaching plan for newer agents. The platform — transaction management included — carries no additional tech fee.
The HomeSmart stack, line by line
| Item | What agents get | Notes |
|---|---|---|
| Core model | 100% commission + per-transaction fee | Reported $399–$495/txn by plan |
| Monthly option | ~$39/mo + $495/txn | Per third-party coverage |
| Alternative | 90/10 split plan | For agents preferring traditional structure |
| Newer agents | Coaching plan | Additional support tier |
| Platform | Integrated tech, transaction management | No additional tech fees, per HomeSmart |
| Philosophy | Built by an agent, for agents | HomeSmart’s own framing |
From HomeSmart’s join materials and third-party coverage, checked 2026-08 — plans vary by state; verify current numbers with HomeSmart.
What to ask about the HomeSmart stack
| Question | Why it matters |
|---|---|
| What does ‘integrated’ cover? | Ask for the tool list: CRM depth, follow-up automation, marketing generation — ‘no tech fees’ only matters if the tech covers your workflow |
| Transaction management scope | Included is good; ask whether it’s software-only or includes coordination help on your files |
| AI capabilities | Ask specifically about voice AI and follow-up automation — bundled basics and AI-native operations are different products |
| Export, in writing | The standing rule: document the export path before your database lives anywhere |
Questions HomeSmart agents ask.
Are HomeSmart’s plans good value?
For agents who want simple economics — 100% commission, a known per-deal fee, no tech fee stacking — the model is clean. Value depends on volume: model your transaction count against both plan shapes before comparing to splits elsewhere.
What’s the catch with free tech?
There isn’t a catch so much as a scope question: bundled platforms cover the brokerage’s core workflows, and agents with deeper needs (AI voice answering, winner-promoting follow-up, white-label client moments) commonly add their own tools. That’s the lane BrokerDIY plays in — operations you own, on a private brain.
Can I use my own tools alongside HomeSmart’s?
Yes. BrokerDIY is built for exactly that: orchestrate on top of whatever the brokerage provides, with export-friendly data so you’re never locked in.
HomeSmart names and marks are property of their respective owners. Plan details from HomeSmart materials and third-party coverage, checked 2026-08 — verify with HomeSmart. This guide is independent service content, not a HomeSmart publication. BrokerDIY is a software platform, not a brokerage.