Skip to content

Utah counties · County comparison

Cache County vs Washington County.

I am Scott Buehler, a Utah resident of twenty-plus years, licensed in both real estate and mortgage lending. Cache and Washington are the two ends of Utah, Logan in the far north and St. George in the far south, about five hours apart down I-15. Cache is the university valley with four real seasons and the cheaper homes; Washington is the warm-winter, red-rock county that is growing faster than almost anywhere in the state. Here is the honest side-by-side.

Utah resident 20+ years, licensed REALTOR + lender Census figures, one source for both counties

These two counties are a five-hour drive apart, and for most people shopping the whole state that distance is the point. Cache County is the far north, the Cache Valley wrapped around Logan, a settled farming valley with a big state university and its own ski hills, 145,000 people on ~1,165 sq mi of farm ground and bench. Washington County is the far south, the low-desert country around St. George and Zion, 213,670 people on more than twice the land and growing faster than almost any county in Utah. One is cold in winter and an hour and a half from Salt Lake; the other is warm in winter and a long way from everything north of it. You can read both regions as a local before you tour a single street, Cache Valley on The Local and Southern Utah on The Local.

So the shape of the choice is this. Cache buys you the university town, four real seasons with cold, snowy winters, two small ski areas of its own, and the lower median home value of the two, ~$444,400 against Washington's ~$510,700. Washington buys you warm winters, red rock and national-park country with Zion about forty-five minutes away, and a market that has added people at +18.5% since 2020, more than twice Cache's +8.9%. One is a valley that stays put, its people and its prices moving slowly; the other is a desert that keeps filling in, and its price has climbed right along with the growth. One buys the university town and four real seasons; the other buys warm winters, red rock, and a growth market five hours south.

The taxes and the incomes are close enough that they will not make the decision for you. Both counties run a low effective property tax, ~0.4% effective on a primary home in Logan against ~0.5% effective on a primary home in St. George, and household incomes sit within a whisper of each other, ~$81,700 against ~$80,600. The sales tax is close too, and neither county is expensive to hold by national standards. What decides it is the climate, the distance, and what kind of Saturday you want. The rest of this page puts numbers to that, then reaches a verdict I will stand behind.

One thing to remember

Logan and St. George are five hours apart, and the real difference is the season, not the price.

Cache is the cheaper of the two to buy, but the taxes and the incomes are close enough that the county line does not decide your budget. It decides your seasons: cold, snowy winters with a ski hill at the top of the canyon, or warm winters with red rock and a reservoir down the road. Pick the season, and the county follows.

Side by side


Cache County vs Washington County at a glance.

Thirty rows, the same for every county pair on this site. Population and growth are the Census Bureau's own figures; home values and income are the American Community Survey county medians, so the two columns can actually be compared.

Cache CountyCategoryWashington County
Size and growth
LoganCounty seatSt. George
145,000Population213,670
#6 of 29Rank among Utah counties#5 of 29
+8.9% (11,842 people)Growth since 2020+18.5% (33,386 people)
147,3682026 outlook220,347
~1,165 sq miLand area~2,426 sq mi
~124 per sq miPeople per square mile~88 per sq mi
Climate and land
~4,500 ft, valley floorElevation at the seat~2,860 ft, low desert
Four seasons, cold valley winters, snow, winter inversionsClimateHot summers, mild winters, low desert
~89 °FTypical July high~102 °F
~18 °FTypical January low~30 °F
38% federalFederal land75% federal
57% privatePrivate land18% private
Cost
~$444,400Median home value~$510,700
~$81,700Median household income~$80,600
~0.4% effective on a primary homeProperty tax~0.5% effective on a primary home
~7.30%Combined sales tax at the seat~6.75%
Getting around
None in the county; I-15 ~30 min westInterstatesI-15
Cache Valley Transit District bus (fare-free); no railTransitSunTran city bus (St. George); no rail
Logan-Cache Airport (LGU), general aviation; SLC ~1 hr 25 minNearest commercial airportSt. George Regional Airport (SGU), commercial service; Las Vegas ~2 hr
~1 hr 25 min from LoganDrive to Salt Lake City airport~4.5 hr from St. George
Schools and services
Logan City School District, Cache County School DistrictSchool districtsWashington County School District
Utah State University, Bridgerland Technical CollegeColleges and universitiesUtah Tech University, Dixie Technical College
Logan Regional Hospital, Cache Valley Hospital (Logan)HospitalsSt. George Regional Hospital (Intermountain)
Utah State University, Cache County School District, Logan Regional Hospital, Schreiber Foods (Logan), Pepperidge Farm (Richmond)Largest employersIntermountain Health, Washington County School District, SkyWest Airlines, Utah Tech University, Walmart
Outdoors
None in the county; Golden Spike National Historical Park ~1 hrNational parks and monumentsZion National Park ~45 min
Hyrum State ParkState parksSnow Canyon State Park, Sand Hollow State Park, Quail Creek State Park, Gunlock State Park
Beaver Mountain, Cherry PeakSki areas
On MovingUtah
12 city guidesCity guides17 city guides
12 ranked lists across 12 townsRanked things-to-do lists17 ranked lists across 17 towns

Population: Census Bureau county population estimates, Vintage 2025 (July 1, 2025). Growth measured from the April 1, 2020 estimates base in the same Census table. 2026 outlook: a straight-line outlook from the 2020 to 2025 Census trend (the Census Bureau does not project county totals). Home values and income: American Community Survey 2020-2024 5-year, county medians. Sales tax: Utah State Tax Commission, combined rate at the county seat, first quarter 2026. Federal and private land: Kem C. Gardner Policy Institute, Utah Land Ownership, July 2025. Figures checked September 2026 and rounded; the population figures are exact.

Cost of living


Cache is the cheaper county, Washington is the growth market.

Home values

The price gap runs the way the map suggests. Cache's median home value is ~$444,400 against ~$510,700 in Washington, so the far north is the cheaper of the two by a real margin. Part of that is timing. Washington has added people and homes at a rate Cache has not, and its median is pulled up by years of new construction in and around St. George, while Cache's median rests on a slower, older valley market where a lot of what sells is a resale on an established street. Neither median tells the whole story, so keep reading past the county line.

In Cache the money climbs toward the benches and the canyon. Logan is the seat, the largest city, and the center of the market, with Utah State University anchoring the middle of town. The price range is flatter than most of the Wasatch Front, which is part of the county's appeal. The higher-priced streets are on the east benches and up toward the canyon, in places like North Logan and Providence, while Smithfield and Hyrum run a little lower and still hold the Cache Valley commute. The price pages show what a budget buys: Logan under $500K, Smithfield under $500K, and Providence under $500K.

In Washington the money climbs toward the red rock and the newer edges. St. George is the seat, the largest city, and the whole market in one place, with the surrounding cities of Washington, Santa Clara, and Ivins filling in around it and Hurricane running the east end of the county. New construction is a live option here in a way it is not in Cache, and the price pages show the tiers: St. George under $600K, Washington under $550K, and Hurricane under $550K.

The practical version, for the same monthly budget: Cache gets you the university town and a little more house for the money, and Washington gets you a newer home in a faster market, at the cost of a hotter summer and a longer trip to the rest of the state. Neither is the bargain and neither is the splurge; they are two honest answers to the same money. If you are early in the search, the cost-of-living guide lays the whole state out by region, and the affordability calculator turns either county's median into a number you can actually shop with.

Taxes, county by county

On taxes the two counties are close, which surprises people who assume the cheaper county is cheaper to hold. Cache carries the lower effective property tax, ~0.4% effective on a primary home in Logan against ~0.5% effective on a primary home in St. George, and both are low by national standards. Utah taxes a primary residence on part of its value, and the certified rate that lands on your bill is set by the city and the school district, not the county, so a bond in one town can run higher than its neighbor while the county line means little.

Sales tax tells the same story. The combined rate at the register is ~7.30% in Logan and ~6.75% in St. George, so Washington is a touch lower at the counter and the difference is small enough to ignore over a year of normal spending. Check the exact rate for any address on the county assessor's site before you commit. The honest takeaway is that you should not pick between these two counties on taxes, because there is almost nothing to pick.

The trade behind the price

What the lower Cache price buys is the university town. Logan runs on Utah State's schedule, with its campus, its sports, and its events setting the rhythm of the city, and the valley is settled farm country with a dairy and cheese tradition that goes back more than a century. The older streets near campus and downtown hold most of the character, there is a real town-square feel to Logan, and the whole county feels more like one small city than a spread of suburbs. What it does not buy is a new house at the edge of a growing desert city, because Cache builds slower and its edges are mostly farm ground and bench.

What the higher Washington price buys is growth and warm winters. The same money that gets you an older Logan home on a tree street gets you a newer St. George build a short drive from red rock, and the county is still adding neighborhoods across the whole St. George bench. You are also paying for a place where the building season runs most of the year and for the state's most convenient southern airport. If a newer home is the priority, look at new construction in Logan on the Cache side and St. George's new construction on the Washington side, and compare what the budget covers.

Run the numbers

Where the value is

Size and growth


A small dense valley in the north, a big fast desert in the south.

Where the people are

Cache is one valley and it stays in it. Logan is the seat and the largest city, holding more than a third of the county's 145,000 people, and the rest spread out through a ring of small cities along the valley floor, North Logan, Smithfield, Hyrum, Providence, and the rest, with farm ground still between them. At ~124 per sq mi it is a settled, compact county, and its economy hangs on Utah State University, the school district, and Logan Regional Hospital, with food plants like Schreiber Foods in Logan and Pepperidge Farm in Richmond behind them.

Washington is a big county with its people bunched in one corner. 213,670 people live across ~2,426 sq mi, but nearly all of them are on the St. George bench at the southwest end, with St. George the seat and largest city holding roughly half the county, and Washington, Santa Clara, Ivins, and Hurricane filling in around it. At ~88 per sq mi the rest of the county is desert, red rock, and the towns along I-15 up toward the Virgin River. SkyWest Airlines runs its headquarters out of St. George, and Intermountain Health, Utah Tech, and the school district are the other big employers.

What growth since 2020 looks like on the ground

In Cache the growth since 2020 has been steady rather than explosive. The county added 11,842 people, a +8.9% gain, and it shows up as new subdivisions along the edges of Logan and the smaller cities, new construction in Smithfield and North Logan, and a valley that is slowly filling its remaining buildable bench. A straight line through the 2020 count and the 2025 estimate puts the county near 147,368 in 2026. The new homes cluster on the south and west edges of Logan and in the bench towns, and most of the valley's remaining empty ground is zoned for more of the same, so the county is growing into itself rather than sprouting a new city somewhere else.

In Washington the growth since 2020 is the whole story. The county added 33,386 people, a +18.5% gain, more than twice Cache's rate, and on the ground that means new subdivisions pushing out the east end of St. George toward Hurricane, new construction in Washington and Ivins, and a road system that is being widened to carry it. The same straight line puts Washington near 220,347 in 2026. If you buy on the growing edges, buy knowing the roads and the fields around you are still being worked out.

Commutes and corridors

Commutes and corridors. Cache is its own labor market, and that is the honest point. There is no interstate in the county; I-15 is about thirty minutes west, reached through Sardine Canyon on US-89, and most of the county's jobs are inside the valley, so the daily drive is a ten-to-fifteen-minute run between the small cities rather than a freeway slog. The whole valley runs north to south on one main street corridor, Main Street through Logan and Highway 91 through the smaller cities, so the traffic is local and the distances are short. The fare-free Cache Valley Transit bus covers the valley, a small wonder for a county this size. The airport story is simple: Logan-Cache Airport handles the small stuff, and a commercial flight means Salt Lake, ~1 hr 25 min from Logan.

Washington's commute is different because the county is bigger and the distances are longer, but the jobs are mostly on the same bench. St. George anchors the county, and the drive from Hurricane or Washington City into St. George is a quick freeway run on I-15, the one interstate in the county. The bench is spreading east toward Hurricane and La Verkin as it fills, which pushes some commutes from ten minutes toward twenty or thirty. SunTran runs the city bus in St. George, with no rail, so outside town you own a car for every driver. The airport is the county's real edge: St. George Regional Airport has commercial service, and Las Vegas is about two hours for the routes St. George does not fly.

The commute, honestly

Logan to St. George
About five hours down I-15, the full run from the far north of the state to the far south.
To the airport
Cache: Logan-Cache Airport (LGU), general aviation; SLC ~1 hr 25 min. Washington: St. George Regional Airport (SGU), commercial service; Las Vegas ~2 hr.
To Salt Lake City
Cache: ~1 hr 25 min from Logan. Washington: ~4.5 hr from St. George.
Transit
Cache: Cache Valley Transit District bus (fare-free); no rail. Washington: SunTran city bus (St. George); no rail.
The canyon road instead of the freeway

Climate and elevation


Four seasons and snow in Cache, heat and mild winters in Washington.

Elevation and seasons

On weather these two counties could not be more different, and it is the one thing that should settle most of this decision. Logan sits at ~4,500 ft, valley floor and St. George at ~2,860 ft, low desert, a difference of more than sixteen hundred feet that shows up in everything. Cache gets four seasons with cold, snowy winters and January lows near ~18 °F, while Washington is a true low desert with a July high near ~102 °F and January lows near ~30 °F. Same state, different climate.

The daily version is this. In Cache the snow is a fact of winter, the valley holds it for weeks at a time, and the season is shoveled and plowed and skied through, while a July afternoon runs around ~89 °F. In Washington winter is the mild season, the one that fills the county with people done with cold, while summer is the season you plan around, hot enough that the golf and the hiking move to morning and evening. If a specific temperature decides where you live, this is the row of the table that decides it. The shoulder seasons differ too: Cache's spring and fall are short and sharp, while St. George stretches a long fall and an early spring into the months when the rest of the state is still heating up or cooling down.

Water, air, and the valley floor

Both valleys have their own weather personality, and Cache's is the inversion. In the dead of winter a lid of cold air settles on the valley floor and holds the haze for days at a time, and the east bench and the canyon sit above it more often than the flats do, which is part of why the bench streets cost more. The cold is real but it is a dry, sunny cold, and the valley is known for clear air above the lid. The water is a farming valley's water, the Logan and Bear rivers, Hyrum State Park, and Bear Lake over the summit as the valley's summer beach, fed by the snow the mountains hold all season.

Washington's air and water are the desert's. Summer is the season to watch, with the heat that comes with ~102 °F afternoons and not much relief at night on the floor, while winter is clear and mild. The water is reservoirs and red rock: Snow Canyon State Park just outside St. George, and Sand Hollow and Quail Creek reservoirs, the county's swimming and boating season running from spring through fall. The bench towns climb out of the heat a little, and the high country on the Pine Valley and Kolob side is a genuine escape, which is why a handful of people live up there full time.

Public land and the map

Here is the biggest difference on the map, and it hides in the land rows of the table. Cache is 57% private and 38% federal, a farming valley where more than half the ground is privately held, which is why the towns stop where they stop and the open land is farm, not wilderness. The public land that matters is the mountains, the Wellsville Range on the west wall and the Bear River Range to the east, with Logan Canyon climbing to the summit and the two small ski areas, Beaver Mountain and Cherry Peak, above the valley. That is also where the county's recreation lives, which means the drive to a trailhead or a chairlift in Cache is short, usually under half an hour from anywhere in the valley.

Washington is the opposite. It is 75% federal and 18% private, a county that is mostly public desert, and that is why its backyard goes on forever in every direction, red rock and national-park country with Zion about forty-five minutes up the road. The catch is that the buildable ground is scarce, a thin bench and a few valleys against a whole lot of public desert, which is exactly what has pushed prices up as the county has grown. The everyday outdoor life is the state park land, Snow Canyon, Sand Hollow, and Quail Creek, all inside the county, and the public land is the reason the views stay unbroken.

Things to do


A Saturday in Cache County vs a Saturday in Washington County.

Every city with a guide on this site carries a ranked things-to-do list on The Local, written for that place rather than lifted off a tourism site. Here are the biggest towns in each county, list by list, so you can see what a Saturday actually holds before you pick an end of the state. Cache's weekend is the university town and the mountains, Beaver Mountain and Cherry Peak in winter, Logan Canyon and Bear Lake in summer, and the farm country in between. Washington's is the red rock and the reservoirs, Zion up the road, Snow Canyon and Sand Hollow, and a warm season that runs most of the year. St. George's own list runs twelve deep, Logan's runs fifteen, and the smaller towns fill out the bench around them.

The honest read: Washington has the deeper bench, and it is not close. With 17 ranked lists across its towns against Cache's 12, and with St. George, Zion, Snow Canyon, and the reservoirs all inside a short drive, Washington is where a weekend without a plan finds the most to do, and the warm season stretches that bench across most of the year. Cache is more measured, but it is not thin: Logan Canyon up to Bear Lake, the two small ski areas, and a real university town in Logan give it a full weekend on its own terms. If your Saturdays run on red rock, trails, and water, lean south. If they run on snow, a canyon road, and a college town, Cache holds its own.

Schools and services


Two school districts in Cache, one in Washington, and a university at each end.

School districts

Cache runs two school districts, Logan City School District, Cache County School District, the Logan City system and the county system, so two homes a few blocks apart can feed different districts. Washington runs one, Washington County School District, covering the whole county, which makes it unusually simple on this front. I do not rate schools, on this page or anywhere on the site. I name the district, link the city guide, and leave the judgment to you and the district's own published data. The city guides for Logan and St. George tell you which district an address falls in. Washington's single-district setup is rare among Utah's bigger counties and means one tax area, one calendar, and one set of boundary questions for the whole county.

Colleges and universities

Higher education is the quiet center of both counties, but Cache's is the bigger one. Utah State University is the whole reason Logan is what it is, a major research campus that anchors the city's jobs, its sports, its venues, and its rental market, with Bridgerland Technical College alongside it. Logan looks and runs like a college town, and the university is the largest employer in the county. Washington answers with Utah Tech University in St. George and Dixie Technical College, a smaller but growing presence that shapes the south end of the county the way Utah State shapes the north end, and that has grown right along with the county around it.

Hospitals and the airport

Both counties have full hospital care. Cache has Logan Regional Hospital, the Intermountain center of the valley, and Cache Valley Hospital in Logan, so routine and emergency care is close everywhere in the county. Washington has St. George Regional Hospital, Intermountain's big southern Utah center, which serves the whole corner of the state. For the rarest specialty, both counties lean up to the Salt Lake medical centers or out of state, which is the one real distance cost of living at either end of Utah.

The airport splits the way the map does. Cache has Logan-Cache Airport for general aviation, and for a commercial flight a Logan household drives to Salt Lake, ~1 hr 25 min from Logan. Washington has the edge here: St. George Regional Airport has commercial service, and Las Vegas is about two hours for the routes St. George does not fly. That difference shows up in how the two counties are used: Cache is a place people drive to Salt Lake from, and St. George is a place people fly into. Frequent flyers and anyone whose job travels should weigh it; it is one of the quiet reasons the St. George area commands what it does.

The guides that fit this decision

The verdict

Which county fits you?

One column is the university valley with four seasons and the cheaper homes; the other is the warm-winter desert that is growing faster than almost anywhere in Utah. These are not neighbors but the two ends of the state, and the fit comes down to four seasons or red rock.

Lean Cache County if

  • You want the lower home value of the two, ~$444,400 against Washington's ~$510,700, and you would rather keep the difference.
  • You want four seasons, with snow that stays, a ski hill at the top of the canyon, and a winter that actually feels like winter.
  • A shorter drive to the rest of the state matters, with Salt Lake about an hour and a half away instead of four and a half.
  • You want a university town, with Utah State's campus, sports, and events setting the rhythm of the city.
  • You want farm country and a compact valley, where the commute is minutes and the edges are field and bench, not desert.

Lean Washington County if

  • You want warm winters, with January lows near ~30 °F and no snow to shovel, and you will trade a hot summer for it.
  • You want the growth market, a county that added 33,386 people since 2020 and is still adding neighborhoods.
  • Red rock and national-park country matter, with Zion about forty-five minutes away and Snow Canyon and Sand Hollow inside the county.
  • A commercial airport in the county and Las Vegas about two hours away matter more than a short drive to Salt Lake.
  • You want a new home, with new construction a live option in St. George, Washington, Ivins, and Hurricane in a way Cache cannot match.

They are five hours apart, so most people know which end of the state the job, the weather, and the price already point them to before they start looking. If you are genuinely torn, this page has put the numbers side by side for you. If you want a straight answer on which end fits, tell me what matters most and I will connect you with the partner agent who works that county every week.

Financing your move


Numbers for either county.

Because I am licensed in both real estate and mortgage lending, I can help you pressure-test what each county means for your budget before you tour a single home. The two markets ask different questions: in Cache it is usually whether a resale near the university or a newer build on the bench fits what you have in mind, and in Washington it is whether a new St. George build or a resale in a surrounding city fits the payment you are picturing. Start with the pre-approval guide, which explains what a real pre-approval is and why it matters, then run the affordability calculator with either county's numbers.

If you already own a home, a move across the state is usually a sell-and-buy at the same time. The selling-to-buy guide walks the order of operations, the buy-before-you-sell calculator shows whether you can carry both for a stretch, and the equity calculator tells you what you are working with. Loan types, the process, and the hurdles people hit are all in the mortgage guides and the loan-type guide, in plain words and without a figure that goes stale.

Where to start

For general information only. This comparison is educational and is not legal, tax, investment, or financial advice, an appraisal, or a commitment to lend. Real estate brokered by Real Broker, LLC. Mortgage lending through Guild Mortgage Company, NMLS #1794818. Equal Housing Opportunity. I am licensed in both real estate and mortgage lending; on any single transaction I take one role only, never both at once, and you are always free to choose your own agent and lender. See How I Work.

Go deeper


The full guide to each county.

Cache County

The full Cache County page

Every city guide in the county, the whole at-a-glance table, all 12 ranked lists, and the county compared with its other neighbors.

City guides, largest first

Listings: Logan North Logan Smithfield Hyrum Providence

Washington County

The full Washington County page

Every city guide in the county, the whole at-a-glance table, all 17 ranked lists, and the county compared with its other neighbors.

City guides, largest first

Listings: St. George Washington Hurricane Ivins Santa Clara

Cities in these counties, compared

Once the county is settled, put two towns head to head. These pairs cross the county line.

Selling on one side to buy on the other?

Start with what your current home is worth, built from real local sales rather than an algorithm: Cache Valley home value or Southern Utah home value. Then get featured on MovingUtah, where buyers researching this move are already reading.

The seller side

Common questions


Cache County vs Washington County FAQ.

Is it cheaper to buy a home in Cache or Washington County?

Cache, and by a real margin. The county median is ~$444,400 in Cache against ~$510,700 in Washington. Cache also carries the lower effective property tax, ~0.4% effective on a primary home in Logan against ~0.5% effective on a primary home in St. George, while sales tax is a touch higher in Cache, ~7.30% against ~6.75%. On the whole, the far north is the cheaper end to buy and hold. Shop by city and by age of home, not by the county line.

Which county is bigger, and which is growing faster?

Washington is bigger on both counts. It holds 213,670 people on ~2,426 sq mi, against Cache's 145,000 people on ~1,165 sq mi, and it is growing far faster, +18.5% since the 2020 count against +8.9% for Cache. Washington added 33,386 people to Cache's 11,842. Cache is steadier and denser, a compact valley that builds slowly, while Washington is the growth market of the two.

How far is it between Logan and St. George?

About five hours down I-15, the full length of the state from the far north to the far south. Logan sits in the far north of Utah and St. George in the southwest, so the two seats are about as far apart as two places in the state can be. That distance is the honest frame for this comparison: almost nobody commutes between them or cross-shops them on a single day. Each county runs on its own jobs, its own airport, and its own season.

Which county has more to do on a weekend?

Washington, by the count and by the setting. It has 17 ranked things-to-do lists across its towns on The Local against Cache's 12, and its weekend pulls in Zion, Snow Canyon, Sand Hollow, and the reservoirs, all within a short drive of St. George. Cache is not thin, with Logan Canyon, Bear Lake, and the two small ski areas, but its bench is narrower. Pick by the season you want: red rock and water year-round, or snow and a canyon that runs the other direction.

Which county has the warmer winters?

Washington, and by a wide margin. St. George sits at ~2,860 ft, low desert with January lows near ~30 °F, while Logan sits at ~4,500 ft, valley floor with January lows near ~18 °F, and Cache's snow stays on the ground for weeks. The flip side is summer: Washington runs a July high near ~102 °F against Cache's ~89 °F. If winter is what you are escaping, that is Washington; if four seasons with snow are part of the point, that is Cache.

Touring both?

Two counties, five hours apart. Let's find your end.

Tell me where the job is, what the budget looks like, and which season you want to live in. I will give you the honest read on Cache versus Washington, and connect you with the partner agent who works that county every week.

If you buy or sell outside Southern Utah, I connect you with a trusted local partner agent and stay involved through your move. If you work with that agent, their brokerage pays my brokerage (Real Broker, LLC) a referral fee. It comes out of the agent's compensation, not as an added cost to you, and you are always free to choose your own agent.