Typical Real Estate Brokerage Splits: 70/30, 80/20, 90/10 Explained

In a traditional split arrangement, the brokerage and the agent divide each commission check by an agreed ratio. In an 80/20 split, the agent keeps 80% of the commission and the brokerage keeps 20%. A 70/30 split flips that ratio more toward the brokerage, while a 90/10 split favors the agent. These numbers are usually the first thing recruiters mention, but the percentage alone doesn't tell you how much of a deal actually is — it depends heavily on the structure around it.

There isn't one universal published "source" for what counts as a typical split — every brokerage, franchise, and market sets its own terms, and splits can vary by production level, tenure, team affiliation, or negotiated agreement. Treat any specific percentage you hear as a starting point for a conversation, not an industry standard.

Many split-based brokerages layer additional structure on top of the base percentage. A graduated split might start an agent at 70/30 and move them to 80/20 or 90/10 once they hit a production threshold for the year — meaning the advertised "top split" isn't what most agents actually earn most of the time. A capped split lets an agent keep 100% of commission after paying the brokerage's share up to a set dollar cap each year, after which the split resets in the next cycle.

On top of the split itself, agents often owe franchise fees, transaction fees, E&O insurance charges, technology fees, or desk fees — sometimes per transaction, sometimes monthly regardless of production. Two brokerages both advertising "80/20" can leave an agent with very different take-home pay once these line items are added up. Before signing anything, ask for the full fee schedule in writing, not just the headline split.

Split-based models exist because the brokerage is compensated as a percentage of what the agent produces. RaiderX uses a different structure: instead of taking a cut of every commission, agents pay a flat monthly sponsorship fee and keep 100% of what they earn on each closing, plus a small flat per-transaction fee. There's no cap to hit, no graduated tier to climb toward, and no franchise royalty layered on top.

For an individual agent, that's $99/month. Agents who want to build or join a team pay $119/month per agent, with the team leader choosing how commission is shared within the team itself. Agents operating under their own licensed LLC pay $199/month plus $20/month per agent, and property management companies — including PortfolioX access — are sponsored at $499/month plus $20/month per agent. In every tier, the sponsorship fee is fixed and disclosed up front.

The right comparison isn't the split percentage in isolation — it's your expected annual production against the total cost of each model. A brokerage's 80/20 split, franchise fees, and E&O charges added together might cost more or less than a flat monthly fee depending on how many transactions you close and at what price point. Higher-volume agents generally see the biggest gap between a percentage-based split and a fixed monthly cost, since a split takes a larger dollar amount as production rises while a flat fee doesn't.

We don't publish earnings projections or promise specific savings, because your results depend on your own production, price points, and market — no brokerage can honestly guarantee income. What we can tell you is exactly what RaiderX charges, with no split, no cap, and no hidden fee schedule to decode. Use our /compare page to line up your current brokerage's structure against RaiderX's flat fee, or talk to us directly at /contact.

A commission model is only part of the sponsorship decision — support and tools matter too. RaiderX sponsorship includes a modern CRM and lead management, AI-powered productivity tools, transaction and compliance management, dedicated broker support, and fast, paperwork-light onboarding. Individual and Team sponsorships also include E&O insurance, since Teams operate as DBAs under the RaiderX LLC and fall under RaiderX's policy. LLC and PMC partners are separate legal entities and carry their own E&O coverage.

EZDocs, currently in beta, lets agents fill out current TREC forms and a growing library of TXR forms in-app from a guided questionnaire, send them for e-signature, and have the signed copy filed into the deal automatically — every current TREC form is instant-fill, with no per-signature fee. It's the kind of tool that's easy to overlook when comparing splits, but it affects how much time a transaction actually takes.

If you're considering a move away from a traditional split, start by pulling your last 12 months of closed transactions and calculating exactly what you paid your current brokerage in split dollars, franchise fees, and any other charges. Compare that total to what a flat monthly fee would have cost over the same period. Then look past the money: ask about broker responsiveness, how compliance review works, and whether E&O coverage is actually included or billed separately.

Applying to RaiderX is free and doesn't commit you to anything. You'll complete a short applicant questionnaire and an intro call with an Account Executive or the broker (agents joining under an existing team, LLC, or PMC leader skip this step), then wait on broker approval — typically 3-5 business days. From there, you sign the Independent Contractor Agreement (and a Business Entity Sponsorship Agreement if you're an LLC or PMC owner) by e-signature, pay your first month's dues, and RaiderX handles moving your TREC sponsorship. Most agents are fully onboarded in about a week. Start at /apply.