TAX AND ACCOUNTING FOR REAL ESTATE AGENTS
CPA for Real Estate Agents in San Antonio
Closings can be uneven; tax payments and business expenses are not. Jessica Gonzalez, CPA, a former IRS Revenue Agent, helps San Antonio agents set aside the right amount for taxes, track deductible costs, and prepare the returns their businesses require.
Already have a bookkeeper? You can start with tax preparation or planning alone.
Agent returns from $1,200 Fixed fee in writing
- Former IRS Revenue Agent
- Texas-licensed CPA
- QuickBooks ProAdvisor
- Rated 5.0 on Google
- English and Spanish
FROM COMMISSION CHECK TO TAX BILL
Great Year in Closings? Make Sure April Doesn’t Take It Back.
Commission income arrives unevenly, but tax payments are due on schedule. Jessica helps agents set aside the right amount, track deductible costs, and decide when an S corporation actually pays off.
Gross commission, the deposit after your brokerage split, and business profit are three different numbers. Referral fees, transaction charges, marketing, assistants, and mileage change the picture again.
AN ILLUSTRATION, NOT A PROMISE
A Simple Example: Setting Aside for Taxes
Illustrative example. An agent receives $120,000 in commissions after splits and spends $30,000 on business costs, leaving $90,000 of profit.
- Self-employment tax alone on that profit is about $12,700, before any income tax.
- Setting aside a share of every commission check, then adjusting after a mid-year projection, keeps the April bill from coming as a surprise.
- At higher profit, an S corporation may lower self-employment tax; at this level, payroll and filing costs can cancel much of the benefit. Run your own numbers in the S Corp Estimator.
Your numbers will differ, and no result is guaranteed.
WHAT'S DIFFERENT IN TEXAS
Texas Tax Points for Real Estate Agents
No State Income Tax
Texas has no personal income tax, so your set-aside covers two federal taxes: income tax and self-employment tax. A good federal projection is the whole plan.
Franchise Tax for LLCs and S Corporations
An LLC or S corporation files a Texas franchise tax report each year, generally due May 15. At or below the $2.65 million no-tax-due threshold for 2026 and 2027 reports, no tax is due, but a Public Information Report is still required. Jessica prepares these reports.
Getting Paid Through Your Entity
Since January 2024, your sponsoring broker can pay your commission to an LLC or S corporation you own at least 51% of, once the entity is registered with TREC and only receives compensation. Confirm the steps with your broker before you form anything.
START WITH THE WORK YOU NEED NOW
Support for Different Stages
Newer Agents
Organize commission records, separate business expenses, understand filing responsibilities, and establish a system you can maintain as closings grow.
Established Agents and Team Leads
Keep reports useful as transaction volume, marketing costs, assistants, or independent contractors make the business more complex.
Agents Operating Through an Entity
Coordinate entity bookkeeping, payroll information, owner transactions, and the tax return that matches the election and ownership in place.
CHOOSE A PRACTICAL STARTING POINT
Services for Real Estate Agents
Monthly Bookkeeping
Accounts reconciled in QuickBooks Online and books closed by the 15th of the following month. Starts at $500 per month; tax preparation is quoted separately.
Individual and Business Tax Returns
An individual return with Schedule C from $1,200, including your 1040. Agents operating through an S corporation or partnership use the package from $3,000.
Tax Planning During the Year
A planning session from $600 to set estimated payments and test the S corporation question while there is still time to act.
Other Tax Questions
Got an IRS letter? Start with a $250 notice review. Planning for retirement? Roth conversion analysis starts at $1,200.
What Clients Say
Jessica is rated 5.0 on Google. These reviews are shown as written; you can read every review on her Google Business Profile.
5 out of 5 stars
“My taxes were a bit of mess when I found Jessica. Since working with her, I’ve felt so confident about how everything is structured now. I have an LLC S-corp so it’s not a easy task to get it straightened out but she managed it with ease. I can’t recommend her enough!”
Brayan H. · Google review
5 out of 5 stars
“Found Jessica online, and so glad I did. She’s really supported my small business, even helping me transition from an LLC to an S-Corp. She’s always communicative and professional, and gives so much more of a personable experience than large firms. She has vast knowledge and even worked for the IRS. She knows her stuff. Highly recommend.”
Cat T. · Google review
5 out of 5 stars
“I highly recommend Jessica if you’re looking for a CPA. I went into the process with zero knowledge about taxes, and she made everything feel manageable. She’s incredibly helpful, patient, and knowledgeable, and you can tell she genuinely cares about doing things the right way for her clients. She really takes pride in her work and makes sure you’re set up in the best way possible.”
Aleena L. · Google review
A CLEAR START BEFORE WORK BEGINS
How the Engagement Begins
Book a Fit Call
Book a complimentary 15-minute call. Share roughly how many closings you had, whether you work through an LLC or S corporation, and whether you already have a bookkeeper.
Share Requested Information Securely
If it looks like a fit, upload last year’s return and your commission statements through SmartVault.
Receive a Written Proposal
You receive a fixed fee and a written scope listing the services included.
Begin the Accepted Work
Once you accept, you receive a document checklist and a timeline, and work begins.
Your CPA: Jessica Gonzalez
Jessica is a Texas-licensed CPA and former IRS Revenue Agent in the Small Business/Self-Employed Division, with public accounting experience. She leads every engagement. Other qualified team members may help with defined tasks, while Jessica stays involved as described in your engagement.
Questions Agents Ask Jessica
How Much Should I Set Aside for Taxes?
There is no reliable percentage that fits every agent. A projection can consider year-to-date profit, other household income, withholding, prior payments, and expected closings. A $600 planning session builds that projection for you. For a worked example, see how much agents should set aside for taxes.
When Should I Make Estimated Payments?
Federal estimated payments are generally due April 15, June 15, September 15, and January 15. A strong closing quarter is a good time to adjust the next payment.
Would an S Corporation Help My Business?
An S corporation election may change the tax and administrative work for an agent. Payroll, reasonable compensation, entity records, and state obligations matter alongside any potential tax benefit. Jessica can evaluate the tax question using your actual income and costs rather than assuming every agent needs an S corporation. For a rough first look, try the S Corp Estimator or read when an S corp pays off for agents.
What Can I Deduct as an Agent?
Common deductions include brokerage and MLS fees, marketing and lead generation, licensing and education, business mileage, a phone and software, and assistants. Each needs records that tie it to the business. See the full agent deductions and records checklist.
Can I Keep My Current Bookkeeper?
Yes, you can ask Jessica about tax preparation or planning without signing up for monthly bookkeeping. She will need to review whether the available records support the work you want her to take on.
Do You Work With Teams, Brokers, and Brokerage Owners?
Yes. Teams with assistants, independent contractors, or an entity, and brokers running their own brokerage, get bookkeeping and returns matched to how the business is set up.
GUIDES FOR AGENTS
Articles for Real Estate Agents
How Much Should a Real Estate Agent Set Aside for Taxes?
A worked 2026 example, estimated payment dates, and a simple system for each commission check.
S Corp for Real Estate Agents: When Does It Pay Off?
Salary, payroll costs, franchise tax, and a break-even example at two profit levels.
Real Estate Agent Tax Deductions and Records Checklist
Common deductions, what agents can’t deduct, 2026 mileage rates, and a year-end records list.
READY TO TALK
Start With a 15-Minute Fit Call
Tell Jessica what you need and when you need it. The complimentary 15-minute call helps determine whether the work fits the firm’s services and schedule. If it does, Jessica will explain the secure next step and prepare a written proposal.
Please do not send tax returns, Social Security numbers, employer identification numbers, bank statements, payroll records, IRS notices, or other confidential documents through the public website form or regular email.