Keller Williams vs Momentum Realty: the honest breakdown.
A side-by-side comparison of splits, caps, royalty fees, and what agents actually take home. We compare what KW publishes publicly against Momentum's per-transaction model. Honest math, including the cases where KW's structure wins.
Keller Williams fees and structures vary by market center and individual agent contract. Figures below represent the most commonly cited public structures for KW. Confirm specifics with your office. See methodology & sources.
The numbers, in one table.
Here's how the two brokerages structure their fees. This is publicly disclosed information from both brands.
| Keller Williams | Momentum Realty | |
|---|---|---|
| Commission split | 70/30 baseline (effectively 64/36 after royalty) | 100% commission |
| Annual cap | $18,000 to $36,000+ (varies by market center) | $12,000 (on 0.2% portion) |
| Franchise royalty | 6% per transaction, capped at $3,000/year | None (independent brokerage) |
| Per-transaction fee | $300 to $495 typical at Jacksonville offices (passed to customer) | None (passed to customer) |
| Monthly fees | $60 to $125+ (desk + tech) | $0 |
| CRM included | KW Command | Boomtown |
| Profit share / Revenue share | KW Profit Share (7-tier, market center profit-based) | Revenue share up to $2,400/year per referred agent, based on referred agent's production |
| Brokerage type | National franchise | Independent, Northeast Florida-focused |
Sources: Keller Williams figures from publicly published 64/30/6 structure, KWRI royalty cap, and reported market center cap ranges as of 2026. Momentum figures from Momentum's public fee disclosure. Fees and structures vary by office and individual agent contract.
What this looks like at real production levels.
Below is an example using publicly available KW fee ranges and Momentum's published model. Real agent numbers vary based on the specific KW market center and individual contract. Run your own numbers in the calculator below for a personalized comparison.
Illustrative example. KW figure assumes a $20,000 market center cap (mid-range), full $3,000 royalty paid, and $100/month in desk/tech fees. Actual KW costs vary substantially by market center; agents at high-fee KW offices may pay considerably more, while those at lower-fee offices may pay less. The example is meant to show approximate scale, not a prediction of any specific agent's outcome.
The gap widens at higher production levels because Momentum's cost structure is largely capped at $12,000 (the 0.2% cap), while KW's monthly fees and royalty continue to accumulate with each deal. For a top producer at $500,000+ GCI, the math favors Momentum more dramatically. For agents at lower production levels with low-fee KW offices, the math may be closer or even favor KW. Run the calculator with your actual numbers to see your specific case.
Plug in your GCI, your split, and your fees.
Our take-home pay calculator does the math on your specific situation, including the cases where Momentum doesn't beat your current model. Honest math, no pitch.
Run the calculator →What each brokerage actually does well.
There's no perfect brokerage. There's only the right fit for your business. Here's an honest read on what each brand brings to the table.
What Keller Williams does well
- Established training systems. Ignite, BOLD, Recruit, and MAPS Coaching are well-regarded industry programs. New agents joining a strong KW market center can get a real education in the business.
- National brand recognition. If your client base values working with a brand they recognize, KW's national footprint and brand familiarity carry weight in some markets.
- Profit Share program. Agents who recruit other productive agents to a profitable market center can build a real passive income stream over time. The 7-level structure rewards long-tenured recruiters.
- Predictable office environment. Physical market centers with in-person training, mentorship, and community matter to some agents. KW excels at this in well-run offices.
Where Momentum is different
- 100% commission, no royalty. No 6% off the top going to KWRI. Every commission is yours minus 0.2% of sale price, capped at $12,000 per year.
- No monthly fees. No desk fees, no tech fees, no E&O charges. Boomtown CRM is included in your per-transaction structure.
- Local depth, not national reach. Momentum is Northeast Florida-focused. 270+ agents, $594M closed last year, Top 1% in Florida by RealTrends. The trade-off: you're not part of a national franchise, you're part of a local operator-focused brokerage.
- Direct access to broker-owners. When you join Momentum, the people calling you back are Jon and Brittany Brooks, the broker-owners. Not a recruiter, not a regional manager.
- Performance: 97.98% sold-to-list, 64 days on market. Per RealMLS year-to-date 2026, Momentum beats the market average on both. See methodology.
Hear from agents who left Keller Williams.
Real Momentum agents who came from Keller Williams, in their own words, on why they switched. No script, no marketing.
The brokerage you join has owners.
Every brokerage has someone at the top who decides what the company does with the money you make for it. That structure shapes how decisions get made, how fast leadership returns your call, and whether the people running the place have ever sat across from a client. Worth knowing the difference.
This isn't about national versus local being inherently better or worse. It's about knowing what you're getting. A public company optimizes for shareholders. A franchise optimizes for franchise fees. An independent brokerage owned by working agents optimizes for the agents inside it, because there's no one else to optimize for.
Questions agents ask before they switch.
Run your numbers. See your gap.
The take-home pay calculator does the math on your specific GCI, transaction count, current split, and fees. Honest math, including when Momentum doesn't beat your current model.