People come first.
We believe strong relationships are the foundation of a better business. That starts with listening, caring and being there for one another.
YOUR BUSINESS. YOUR NEXT CHAPTER.
Your brokerage.
Your money.
Your choice.
See what you pay. Understand what you get.
Compare Y Realty with seven major brokerages and choose what fits the business you want to build.
COSTSTOOLSCOACHINGCOMMUNITYWhere you can be you.
01 / A CLEARER WAY TO COMPARE
A lower cap is
only part of the story.
The right brokerage should make sense for your numbers and your day-to-day business.
Compare the split, the fees after you cap, and the tools you'll actually use. Then look at the people who'll help you put it all to work.
Prepared by Y Realty. U.S. residential agent plans reviewed November 3, 2026. Sources and differences are shown below.
02 / THE Y DIFFERENCE IS OUR WHY
Better businesses.
Better lives.
We started Y Realty because we believe agents can build better businesses and better lives when they have people who care about their success.
Help others grow.
To us, leadership means helping others move forward. We share what we know, make room for questions and support each other's growth.
Build together.
Our goal is a community where agents feel supported in their businesses and their lives, surrounded by people who care about their success.
OUR WHY
Our why is to build a community where relationships come first and leadership means helping others grow.
Group benefits for every Y agent.
Y Realty agents have access to group rates on healthcare, dental and life insurance to help save money. These group options are available to agents, including those who aren't Area Leaders.
Confirm included services in your market. Custom marketing and concierge work can cost extra. Separate from these agent group insurance options, proposed stock, health contributions and vehicle benefits in the Area Leader program aren't standard agent benefits or guaranteed compensation.
Explore Y Realty Area Leaders ↗03 / SIDE BY SIDE
Y Realty.
Meet your options.
Choose a brokerage. Y stays in view, so you can compare the same details without jumping between tabs.
THE DETAILS
Y RealtyArizona fee exampleLPT RealtyHistorical plan · confirm current terms
Number check · Nov. 3, 2026
Published Arizona example · indexed source
Historical published plan · current schedule needs confirmation
Commission split
80 / 20
100% / $500 per file
Company-dollar cap
$12,000 solo / $6,000 team
$5,000
Monthly brokerage fee
$149 solo / $99 team
$0
Other published fees
Arizona example: $199 E&O per transaction, capped at $1,499/year. $250 per transaction after cap. Confirm startup and state-specific fees.
Historical schedule: $500 annual fee from first closing; $195 on core transactions. Partner: 80/20 to a $15,000 cap. Support replies describe a 20% risk fee instead of standard fees below $2,500 GCI; confirm current treatment.
Technology & tools
Lofty CRM + AI, agent website, SkySlope, Design Center and BrokerBot.
Lofty, Dotloop, LPT Connect and listing marketing tools.
Coaching & support
Group coaching, practical AI training, live education and broker support.
Training, education and brokerage support.
Growth & agent benefits
All Y Realty agents have access to group rates on healthcare, dental and life insurance to help save money. Revenue share and local Area Leader opportunities are also available. Stock and enhanced Area Leader benefits are still being developed.
Stock opportunities. Revenue share requires the Partner plan.
Worth considering for
Agents who want coaching, AI tools and a local community alongside a capped model.
Agents choosing between a flat-fee production plan and a revenue-share plan.
Know the limits. Splits show agent / brokerage. Asterisks mark comparison examples, not verified national averages. Caps apply to company dollar, not every charge. Team plans, mentorship, referrals, leases and local fees can change your costs.
Historical published Business Builder and Partner figures, not a reverified 2026 fee schedule. Live recruiting pages no longer show these prices. Below $2,500 commission, special rules affect fees and cap credit; calculator comparison is unavailable. Request the current agreement.
See all eight brokerages at a glance
| Brokerage / default plan | Agent / company | Annual cap | Monthly fee |
|---|---|---|---|
| Y Realty · Arizona | 80 / 20 | $12,000 solo / $6,000 team | $149 solo / $99 team |
| LPT Realty · Business Builder | 100% / $500 per file | $5,000 | $0 |
| eXp Realty | 80 / 20 | $16,000 | $85 |
| Keller Williams | 80 / 20* | $18,000* | $125 example* |
| Compass | 80 / 20* | None assumed* | Individual quote |
| Real | 85 / 15 | $12,000 | $0 |
| Fathom Realty · Edge | 93 / 7 | $9,000 | $75 |
| Epique Realty | 85 / 15 | $15,000 → $10,000 | $149 standard solo |
04 / PUT YOUR BUSINESS INTO THE PICTURE
What does the
split cost you?
Start with company dollar: the portion of your commission paid toward a brokerage's cap. Then review the additional fees below.
Historical published LPT plan used for illustration; confirm the current agreement.
ESTIMATED COMPANY DOLLAR ONLY
Your annual gross commission $200,000
Y Realty$12,000
LPT · Business Builder (historical)$5,000
LPT's company-dollar contribution is $7,000 lower in this example, before other fees.
This is not total brokerage cost or take-home income. Monthly, annual, transaction, post-cap, E&O, royalty and startup fees are excluded. Stock and revenue share aren't deducted.
NEXT: ADD THE OTHER FEES
Y Realty
$149/month solo in the Arizona plan, plus Arizona example: $199 E&O per transaction, capped at $1,499/year. $250 per transaction after cap. Confirm startup and state-specific fees.
YOUR COMPARISON
LPT · Business Builder (historical)
Monthly: $0. Historical schedule: $500 annual fee from first closing; $195 on core transactions. Partner: 80/20 to a $15,000 cap. Support replies describe a 20% risk fee instead of standard fees below $2,500 GCI; confirm current treatment.
How the calculator works
This example uses 20 closed sides at $10,000 commission per side. Historical published Business Builder and Partner figures, not a reverified 2026 fee schedule. Live recruiting pages no longer show these prices. Below $2,500 commission, special rules affect fees and cap credit; calculator comparison is unavailable. Request the current agreement.
Company dollar = brokerage share × annual gross commission, limited to the selected cap. The historical LPT Business Builder example uses $500 × closed sides, limited to $5,000, only when commission is at least $2,500 per side. Lower-commission LPT scenarios are not modeled. Fathom Edge applies a $350 pre-cap minimum per sale; its cap-crossing and post-cap fees are outside this company-dollar calculation. Elevate applies 20% with a $350 minimum per sale and no residential cap. Except for LPT, a zero-commission side is treated as no split contribution in this planning tool; fixed charges can still apply. Results round to the nearest dollar.
Actual closing amounts, referral deductions, cap-crossing rules and anniversary dates can change a statement. Review the signed agreement for a complete cost estimate. No taxes, MLS, association dues, advertising or other operating expenses are included.
05 / BEFORE YOU MAKE YOUR MOVE
Good questions.
Straight answers.
Is Y Realty always the least expensive?
No. Your production, plan and added fees determine that. A flat-fee plan or lower split can cost less in some situations. Compare the complete written offers, then decide whether the coaching, tools and community are worth the difference for your business.
What do the KW and Compass estimates mean?
We couldn't verify a national average for either brokerage. KW uses an 80/20 comparison split, with an $18,000 company-dollar cap and fees drawn from the KW Core office example. Local market-center terms vary; royalty is separate. Compass uses an illustrative 80/20 split with no cap assumed, not a published Compass offer. These defaults let you explore the numbers immediately. Change the fields to match your written agreement.
Does “100% after cap” mean no more brokerage fees?
No. It usually means the commission split ends for the rest of your anniversary year. Transaction, risk, technology, monthly or other charges can continue. The fee rows show what to ask about.
Should I subtract revenue share or stock from the cost?
Keep them separate. Revenue share depends on qualifying activity and program rules. Stock can have vesting rules and change in value. Neither is a guaranteed discount on what you'll pay.
What should I ask for before signing?
Get the full fee schedule for your state and plan. Ask about startup, monthly, annual, E&O, transaction, post-cap, royalty, mentorship, team and exit charges. Confirm which tools and support are included and whether incentives must be repaid when you leave.
06 / CHECK THE DETAILS
Clear sources.
Better decisions.
Numbers rechecked November 3, 2026. Each comparison shows whether the figures are current published terms, a local example, a historical schedule or an assumption. These pages can change. Your signed agreement and current state addenda govern.
Y Realty
Published Arizona example · indexed source. Indexed Y Realty Arizona page corroborates these figures; its live fee text could not be independently extracted in this audit. Confirm your state agreement. Published team cap: $6,000, subject to eligibility.
Y Realty Arizona · published plan ↗Additional source 1 ↗Additional source 2 ↗LPT Realty
Historical published plan · current schedule needs confirmation. Historical published Business Builder and Partner figures, not a reverified 2026 fee schedule. Live recruiting pages no longer show these prices. Below $2,500 commission, special rules affect fees and cap credit; calculator comparison is unavailable. Request the current agreement.
LPT support · public fee replies (2023–2025) ↗Additional source 1 ↗eXp Realty
Split and core fees verified · risk-fee conflict. Official pages disagree: join page lists $40 risk management with a $500 annual cap; income disclosure and knowledge base list $60 without a cap. The old post-cap PDF is no longer available. Confirm current risk and post-cap fees in writing.
eXp · income disclosure ↗Additional source 1 ↗Additional source 2 ↗Keller Williams
80/20 comparison split · local-office cap and fee examples. * Uses an 80/20 comparison split. The $18,000 cap, $125/month and royalty use the KW Core office example, not national averages. Market-center terms vary; edit the calculator to match your offer.
KW Core · example office plan ↗Additional source 1 ↗Additional source 2 ↗Compass
Illustrative assumption · no verified average. * Illustrative planning assumption, not a verified national average or published Compass offer: 80/20 with no cap assumed. Actual splits, caps and fees depend on your agreement. Company-wide expense ratios are not agent splits.
Compass · recruiting overview ↗Real
Current official fee schedule · conditions apply. The cap-crossing deal has a $285 minimum combined split/transaction charge. The Aug. 31, 2026 overview supersedes the older $129 Elite figure. Annual installments apply only when transactions close; team rules differ.
Real · U.S. fees, updated Aug. 31, 2026 ↗Additional source 1 ↗Additional source 2 ↗Additional source 3 ↗Fathom Realty
Core plan verified · extra client fee needs confirmation. Current Edge/Elevate plans. Edge has a $165 minimum on the cap-crossing sale; that extra fee is excluded from the company-dollar calculator. Confirm FUEL and onboarding costs if applicable.
Fathom · current commission plans ↗Additional source 1 ↗Additional source 2 ↗Epique Realty
Official solo-agent terms · conditions apply. Cap falls $1,000 per anniversary to $10,000. Confirm onboarding fees, benefit limits and availability. Calculator starts at year one.
Epique · solo-agent compensation ↗Additional source 1 ↗This is a Y Realty comparison, not an independent ranking. Other brokerage names belong to their respective owners. A missing public detail doesn't mean a service is unavailable. Fees are in U.S. dollars.
LET'S LOOK AT YOUR ACTUAL BUSINESS
Your next move.
With a clearer picture.
Bring your current fee schedule and your goals. Let's work through what a move to Y Realty would mean for you.