List With Freedom Reviews 2026: The 4 Costs You Really Pay
List With Freedom starts at $89. Then every plan takes a slice of your sale price at closing, and the plan marked Lowest Price takes the biggest.
Contents
List With Freedom reviews usually stop at the $89 headline. There are four costs, not one, and the biggest is a slice of your sale price. I priced all four on listwithfreedom.com today. Below: the four costs, the plan that quietly costs more, and the total on a real sale.
The 4 costs of a List With Freedom listing
The company checks out. It is licensed in 47 states plus the District of Columbia, and it prints a named broker of record and two license numbers for every one of them.5 Ralph Harvey is the Florida broker, license CORP-CQ1045975, and that part is not in doubt.5 What most List With Freedom reviews get wrong is the price, because four things cost money and only one of them is on the button.
- The package fee. $89 for Gold, $195 for Platinum, $395 for Platinum Plus, paid once when you sign up.1
- The compliance fee. 0.5% of the sale price on Gold and 0.25% on the other two, charged when the home sells.1
- The add-ons. A yard sign is $69, a lockbox $60, a contract review $595, a market analysis $195, a second MLS $99.1
- The buyer agent offer. It is in no package. You choose whether to make one, and you pay it if you do.7
What the package fee buys is decent. Every plan puts your home on the local MLS and syndicates it to Zillow, Realtor.com, Homes.com and Redfin. Your own contact details go in the listing, and buyer inquiries come straight to you.1 Gold gives you 25 photos and a six-month term. Platinum and Platinum Plus give you the maximum photos your MLS allows, and Platinum Plus runs twelve months.1
A flat fee MLS listing is supposed to swap the listing agent’s percentage for a set price. Cost two breaks that promise, and here is what missing it costs you. The Gold fine print says you owe $500 for every $100,000 of list price.1 Budget $89, sell at $400,000, and you are $2,000 short at the closing table. I would write that percentage into your net sheet before you click List Now. It is the number that turns up at settlement.
Why the plan marked Lowest Price costs most
List With Freedom labels Gold “Lowest Price” and Platinum “Most Popular.”1 Gold is $89 plus 0.5% and Platinum is $195 plus 0.25%.1 Platinum costs $106 more upfront and half as much at closing, so the two plans swap places at exactly one sale price.
Set them equal and that price is $42,400. Above that price Platinum is the cheaper plan, and below it Gold is. Almost no home in the country sells for under $42,400. The national median in July 2026 was $434,100.6 At that price Gold costs $2,259.50 and Platinum costs $1,280.25, so the plan marked Lowest Price costs $979 more.
I would not buy Gold at any normal sale price, and the reason matters more than the $979. The label is doing work the arithmetic does not support, and first-time sellers read labels. Most List With Freedom reviews reprint the lowest-price line and never run the crossover. Run it yourself. It takes ten seconds.
Platinum Plus is the surprise. It costs $200 more than Platinum and charges the same 0.25% at closing. The extras it folds in are all priced on the same page as paid options: the showing service at $59, unlimited open houses at $100, a virtual tour at $40 and a transaction coordinator at $395.1 That is $594 of listed value for $200, plus a twelve-month term instead of six. If you are buying from them at all, that is the one I would buy.
Where List With Freedom will actually list you
Coverage is a yes-or-no question, and the site answers it twice. The Service Areas page says “47 States Covered” and lists 47 states plus Washington, D.C.2 Alaska, Colorado and Hawaii are not on it. The licenses page names the same 48 places.5 So far so good, and better coverage than most List With Freedom reviews give them credit for.
The pricing page disagrees with both of them, because its state dropdown offers all 50 states, Alaska, Colorado and Hawaii included, and it leaves out the District of Columbia.1 Pick Colorado there and you have picked a state the same site says it cannot serve. The homepage keeps a pop-up ready for that moment: “At this time, we are unable to serve listings in the state of this location.”3
The refund page is worth two minutes as well, because it contradicts the pricing FAQ. That FAQ promises “no termination fees or penalties.”1 The refund policy says a listing placed in the Georgia MLS carries a $25 termination fee.4 Refunds also stop 14 days after you order, and stop for good once the listing goes live.4 Signs and lockboxes are never refundable once shipped.4
That 14-day window is the risk I would flag hardest in any of these List With Freedom reviews, because nobody prices it. Order in March for a June listing and your refund window shuts while you are still painting. HomeRise refunds the $95 in full any time before your listing goes live.8 Those are different promises, and you want to know which one you actually bought. The company is based in Ocala, so our Florida flat fee MLS page is the local comparison.
Where List With Freedom beats HomeRise
Three places, and I am not going to bury them. Competitor pages rarely do this part, which is why most List With Freedom reviews read like a verdict looking for evidence.
Coverage is the big one, and List With Freedom lists in the District of Columbia and 47 states.2 HomeRise runs flat fee in 18 markets and Full Service in all 50 states.8 A seller in Maine or Nebraska can buy a package from them today and cannot buy a HomeRise flat fee listing at all.
Price is the second one, on cheap homes. Gold beats HomeRise Essentials below a $100,200 sale price, and Platinum beats it below $158,000. If your home is worth $140,000, they are the cheaper listing, and I would tell you to take it and skip the rest of this article.
Third is Zillow, where List With Freedom says Zillow picked it as the only flat-fee brokerage allowed to sell a $575 professional photography and premium listing upgrade.3 That is their claim and I could not confirm it with Zillow, and we do not sell that upgrade at all. Sellers who want no MLS at all are in a different lane, and our for sale by owner guide covers that path.
Not every seller reading this wants to do it themselves at all. If a full-service agent is the real preference, our Assist-2-Sell review covers a different flat-fee brokerage worth knowing about: it bills a flat fee like List With Freedom, but through tiered, full-service pricing that adds a buyer’s-agent commission on top for most sellers, so the flat fee alone understates the real cost.
A $434,100 sale, priced three ways
Same house, three routes, at the July 2026 median of $434,100.6 A 3% listing fee on that home is $13,023. HomeRise Essentials is $95 to list plus $495 at closing, $590 in all, and it does not move when the sale price does.8
| Route | Listing cost | You keep |
|---|---|---|
| 3% listing agent | $13,023 | $0 |
| Freedom Gold | $2,260 | $10,764 |
| Freedom Platinum | $1,280 | $11,743 |
| HomeRise Essentials | $590 | $12,433 |
The gap between Platinum and HomeRise Essentials is $690 here. It widens every time the sale price goes up, because one of those numbers is a percentage and the other one is not. That is the whole argument for a true flat fee MLS listing, and it is why I keep pushing on cost two.
Cost four is missing from that table on purpose, because you set it. An offer of compensation is when the seller pays the agent who brings the buyer, and NAR is blunt that it is your call whether to make one.7 It also cannot go on the MLS, so it lives in the contract instead.7 List With Freedom says the same thing on its price cards: you decide the buyer agent compensation.1
Two percent on this sale is $8,682, and no listing fee of any kind changes that number. It is bigger than every other cost on this page put together.
One more number I would not plan around. The pricing calculator promises savings of 2.50% to 5.75% against a traditional commission.1 The homepage lists 20 recent closings with a dollar saving beside each. Divide them and the real rate runs from 2.0% on a $225,000 sale in North Carolina to 5.0% on a $1,675,000 sale in Florida.3 Most land on 3% or 4%. Not one reaches 5.75%.
Those same 20 closings average $15,301 saved, under the “$17K+ Average Saved” headline on the Service Areas page.2 Both figures come from the same company on the same night. Honest List With Freedom reviews should cite the closings, not the calculator.
The $89 is real. It is also the smallest of four numbers, and the only one printed on the button.
So work in this order. Find your state on the Service Areas list, not the pricing dropdown. Multiply your likely sale price by 0.0025 or 0.005 and add the package fee to it. Settle what you will offer a buyer’s agent, in writing and outside the MLS.7 Then hold that total against a number that never moves. If they serve you and we do not, buy Platinum.
Frequently Asked Questions
Is List With Freedom legit?
Yes, on the evidence its own site provides. The licenses page names a broker of record and two license numbers in each of 47 states and the District of Columbia, and the homepage claims 114,000-plus properties listed over 20-plus years. Trustpilot and the Better Business Bureau both returned 403 errors to me today, so List With Freedom reviews that lean on those ratings are ones you should open for yourself.
Does List With Freedom have hidden fees?
Not hidden, but easy to miss, which is where most List With Freedom reviews go soft. The compliance fee of 0.25% or 0.5% sits in a disclaimer under the price cards rather than on them. On a $434,100 sale that is $1,085 on Platinum and $2,171 on Gold.
How much does List With Freedom cost on a $434,100 home?
Gold works out to $2,259.50, Platinum to $1,280.25 and Platinum Plus to $1,480.25, counting the package fee plus the compliance fee. Add-ons and any buyer agent compensation you offer sit on top of those totals.
Which List With Freedom plan is cheapest?
Platinum, on any home worth more than $42,400, even though Gold carries the Lowest Price label. Below $42,400 the labels are correct and Gold wins. Very few List With Freedom reviews mention that crossover at all.
Is List With Freedom or HomeRise cheaper?
HomeRise, above a $158,000 sale price, because $590 stays $590 while a percentage keeps climbing. Below $158,000 they are genuinely cheaper and you should take it. They also cover 47 states and D.C., where HomeRise runs flat fee in 18 markets, and few List With Freedom reviews weigh coverage against price at all.
What do most List With Freedom reviews miss?
The compliance fee and the $42,400 crossover, mostly. Read our Houzeo review and our beycome review, which run the same arithmetic on those pricing pages, and the wider field sits in our 2026 flat fee MLS roundup. Multiplying your own sale price by 0.0025 will tell you more than any of them.
Sources
- List With Freedom, Pricing (packages, compliance fee, add-ons, savings calculator, FAQ), fetched September 4, 2026
- List With Freedom, Service Areas, fetched September 4, 2026
- List With Freedom homepage (sold-property ticker, company figures, Zillow upgrade claim), fetched September 4, 2026
- List With Freedom, Refund and Cancellation Policy, fetched September 4, 2026
- List With Freedom, Licenses, fetched September 4, 2026
- National Association of REALTORS, Existing-Home Sales, July 2026
- National Association of REALTORS, Consumer Guide: Offers of Compensation
- HomeRise homepage (Essentials, Advanced and Full Service pricing, market coverage)
