Cheapest Full-Service Flat Fee Realtor in Texas (2026): What $1,400–$5,999 Actually Buys
Several Texas companies now advertise "full-service" listings at flat fees well below KAT Realty Group's $5,999 — Creekview Realty's Plan B at $1,400, Lone Star Flat Fee MLS's $3,000 "White Glove" plan, VIP Realty at $3,500, Hill Country Flat Fee Realty at $3,995, and Texas Discount Realty at $5,495. Here is the honest answer up front: on price alone, Creekview's $1,400 Plan B is the cheapest option in this tier, and for a hands-on seller it wins outright. Nobody should pretend otherwise.
The useful question is not which fee is lowest — that takes one glance at a price list. It is what each plan actually includes, who does the day-to-day work of the sale, and when you pay. "Full service" is used to describe everything from a self-managed MLS listing with negotiation support bolted on, to a fully agent-managed transaction. This page compares the advertised plans line by line so you can match the model to how you want to sell.
The Mid-Tier Texas Flat Fee Companies, Compared
| Company | Advertised Fee | Model | Photography | When You Pay |
|---|---|---|---|---|
| Creekview Realty | $600 (Plan A) / $1,400 (Plan B) | Self-managed MLS listing; Plan B adds agent representation in contract and repair negotiations | $225 add-on (CMA $100 add-on) | Due at ordering |
| Lone Star Flat Fee MLS | $3,000 "White Glove" | Advertised as full representation on its top plan | Varies by plan | See company terms |
| VIP Realty | $600 MLS-only / $3,500 full-service | Two tiers: flat fee MLS entry or agent-managed listing | Included on full-service tier | See company terms |
| Hill Country Flat Fee Realty | $3,995 full service (MLS-only from $599) | Agent-managed listing on the full-service plan | Included on full-service tier | See company terms |
| Texas Discount Realty | $495 at listing + $5,000 at closing ($5,495) | Full-service listing, split payment | Included | $495 up front, balance at closing |
| KAT Realty Group | $5,999 | Agent-managed, contract to closing — pricing strategy, marketing, negotiations, inspections, closing coordination | Included | $600 at signing; balance at closing, only if it closes |
Competitor fees are as advertised or reported as of September 2026 and can change; always confirm current pricing and inclusions directly with each company before signing anything.
The Honest Price Ranking
Cheapest to most expensive on headline fee: Creekview Plan B ($1,400), Lone Star's White Glove plan ($3,000), VIP Realty ($3,500), Hill Country ($3,995), Texas Discount Realty ($5,495), then KAT Realty Group ($5,999). Texas Discount Realty deserves a specific callout: at $5,495 it undercuts KAT's headline fee by roughly $500 for a full-service listing. If the two scopes are equivalent for your sale, that $500 is real money — the argument for KAT there is scope and payment structure, not cost. And on lower-priced homes the whole category tightens: below roughly $200,000, a traditional 3% listing commission lands close to any of these flat fees, so the spread that makes flat fee compelling narrows considerably.
What "Full Service" Actually Means, Line by Line
When a traditional agent lists a home, the work includes a comparative market analysis and pricing strategy, professional photography, the MLS entry and marketing, showing coordination and feedback, fielding and negotiating offers, managing the option period and repair negotiations, coordinating with the buyer's side, the lender and the title company, and keeping the closing timeline on track. A plan is only "full service" for you if it covers the parts you do not want to do yourself.
Creekview's Plan B, for example, adds genuine agent representation in contract and repair negotiations to a listing the seller otherwise runs — photography and pricing analysis are paid add-ons, and the seller manages showings and the day-to-day. That is a deliberate, well-executed unbundling, and for an experienced seller it is often exactly enough; we compare it in depth in our Creekview Realty alternative guide. The $3,000–$3,995 tier generally moves more of the work to the agent, with inclusions varying by company and plan. KAT Realty Group's $5,999 fee is the traditional agent's full scope at a flat price: photography, pricing, marketing, negotiations, inspections, and closing coordination are all included, and apart from $600 at signing, the fee is due only if your sale actually closes.
Who Each Option Is Best For
Hands-on sellers who want the lowest cost: Creekview Realty, clearly. At $1,400 plus add-ons, nothing in the full-representation tier touches it on price. You run the sale; the agent backs you up in negotiations.
Sellers who want a middle path: VIP Realty, Hill Country, or Lone Star's top plan put an agent on more of the transaction for $3,000–$3,995. Ask each company precisely which of the line items above are included and who your point of contact is.
Sellers who want the whole sale managed: Texas Discount Realty ($5,495) and KAT Realty Group ($5,999) both offer the full traditional scope at a flat fee. Between the two, compare payment structure — KAT collects $600 at signing with the balance due only at a successful closing — plus who you will actually work with, and each company's track record; you can verify KAT's on our reviews and verified results page.
For the wider landscape beyond this mid-tier — the $99–$600 flat fee MLS platforms and the 1%–1.5% percentage discounters — see our statewide flat fee realtor overview, the guide to discount real estate options in Texas, and selling without a 6% commission. Buyers comparing fee models should start with which Texas agents offer buyer rebates.
Frequently Asked Questions
Who is the cheapest full-service flat fee realtor in Texas?
On headline price, Creekview Realty's $1,400 Plan B is the cheapest plan that includes agent representation in negotiations. Whether it is "full service" for you depends on whether you are comfortable managing showings, marketing, and the transaction timeline yourself — those stay with the seller.
Is a cheaper flat fee always the better deal?
No — and it is not always the worse deal either. The fee buys a scope of work. A $1,400 plan that fits an experienced seller perfectly would underserve a first-time seller who needs the transaction managed. Match the plan to the work you want done, then compare prices within that scope.
Is flat fee real estate legal in Texas?
Yes. Flat fee real estate is fully legal in Texas. KAT Realty agents operate under the same TREC licensing requirements as traditional agents, and so do the other companies named on this page.
Does Texas Discount Realty really cost less than KAT Realty?
On headline fee, yes — $5,495 versus $5,999, about $500 less. The comparison to make is scope, payment timing, and track record: KAT's structure puts $600 down with the balance due only at a successful closing, with photography and full transaction management included.
What should I ask any flat fee company before signing?
Exactly which services are included at the advertised price and which are add-ons; who handles showings, negotiations, and closing coordination; when the fee is due and whether any of it is refundable if the home does not sell; and how the listing term and cancellation work.
Does KAT Realty serve all of Texas?
Yes — KAT Realty Group serves buyers and sellers statewide, including Austin, Houston, Dallas–Fort Worth, and San Antonio, at the same $4,999 buyer and $5,999 seller flat fees everywhere.
Compare the Numbers for Your Home
If a lower-priced plan fits how you want to sell, use it — the math is the math. If you want a licensed agent to manage your Texas sale end to end for one flat fee, with most of that fee due only at closing, KAT Realty Group will walk you through exactly what $5,999 covers for your specific home before you commit to anything.