City of Memphis, Tennessee · Shelby County seller guide
Yes. USA Home Buyers buys houses as-is in the City of Memphis and Shelby County, Tennessee.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Written offer and written terms before you commit; title-company closing.
Call 888-274-5006 or use the form to ask for a written cash offer.
The short answer
Listing can fit if you have time to prepare the house, arrange showings, and carry costs while it sells. A direct sale gives you another written number to compare when repairs, cleanout, occupancy, or a deadline changes what you want to take on. Compare the expected net for your property, not just the top-line price.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
Compare what you would keep after costs with the Memphis calculator →
Questions about the two options? Call 888-274-5006.
1
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
We give written cash offers in 24 hours.
3
Written offer and written terms before you commit; title-company closing.
Steps and numbers
These measures describe housing prices and selling conditions for the areas and periods shown. Compare them alongside repair costs, your mortgage payoff and selling costs.
| Measure | Value | Source and area | Period |
|---|---|---|---|
| Median sale price | $187,000 | Redfin · Memphis, TN | Three months ending August 2026 |
| Median days on market | 37 days | Redfin · Memphis, TN | Three months ending August 2026 |
| Homes sold | 1,513 homes | Redfin · Memphis, TN | Three months ending August 2026 |
| Typical home value (Zillow ZHVI) | $145,335 | Zillow · Memphis, TN | As of August 2026 |
| For-sale inventory | 3,195 homes | Zillow · Memphis, TN | As of August 2026 |
Include utilities, other bills and any mortgage payments while waiting to sell. Allow time for closing, too.
Zillow's typical home value is a modeled measure, separate from completed-sale prices: $145,335 (As of August 2026; Zillow typical home value for Memphis, TN). Treat it as market context, not a price for your address.
A citywide measure cannot account for your house's condition, occupancy, repair needs, or timing. Compare a listing estimate with the costs and time you expect to carry the property.
Compare what you may keep with the Memphis home-sale net-proceeds calculator →Useful local facts
The City of Memphis Housing and Code Enforcement page gives the City contact for unsafe-housing reports: 901-636-7464, 4225 Riverdale Road, Memphis, TN 38141. This is a reporting route, not a finding that a particular house has a violation or order.
City Treasury handles City of Memphis property-tax questions and payments. The Shelby County Trustee provides county tax lookup and publishes the county tax-sale schedule. Check the bill and exact property record; these offices do not establish a balance or tax-sale status for a particular house.
City of Memphis tax information · Shelby County Trustee tax lookup
Taxes, occupancy, and deadlines
Tennessee charges 37 cents for each $100 of the price paid or the property's value, whichever is greater, when the deed is recorded. A $100,000 sale owes $370. State law makes the buyer responsible for the tax, and the county register of deeds collects it for the state.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Include the occupancy, lease, access, and possession plan in your comparison. Those details can affect which sale route fits and when the property can be handed over. See the Memphis tenant-occupied page for questions to consider.
Often, you can still sell if closing happens before the foreclosure sale. Many Tennessee home loans use a deed of trust. When it includes a power of sale, the trustee can auction the house without a court case.
Under the usual notice rules in effect since July 1, 2025, the sale notice must run at least twice in a newspaper published in the county, with the first notice at least 20 days before the sale. A third-party internet posting company must post notice online for at least 20 days in a row. The trustee must mail you a copy by registered or certified mail by the date of the first newspaper notice.
Unless the loan papers forbid it, the sale can be postponed one or more times without a new newspaper notice, but it must still happen within one year of the original date. Each new date must be announced at the scheduled sale and posted online, unless the delay is less than five days. If the sale is pushed back more than 30 days, the new date, time, and place must be mailed to you at least 10 days before it.
For a sale under a deed of trust or mortgage without a court judgment, Tennessee law gives a two-year right to redeem unless the deed of trust or mortgage expressly waives it. A court-ordered sale has different rules.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Tennessee General Assembly: 2025 changes to foreclosure notice rules · Tennessee Secretary of State: third-party foreclosure posting companies · More Tennessee foreclosure guidance
Where to find help
Seller reviews
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Questions and contact
Call 888-274-5006 or use the form at the top of this guide. Ask for a written cash offer and compare its terms with your other options.
Yes. USA Home Buyers buys houses as-is in the City of Memphis and Shelby County, Tennessee. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We'll give you a written cash offer within 24 hours. Written offer and written terms before you commit; title-company closing.
Compare the work, timing, written price, and costs that apply to your house. A listing can involve preparation, showings, buyer negotiations, and time carrying the property; a direct offer gives you another written number to compare. The calculator on this page lets you change planning assumptions.
Tennessee charges a realty transfer tax when a deed is recorded: 37 cents for each $100 of the price paid or the property's value, whichever is greater. State law makes the buyer responsible for paying it. When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Often, yes, if the sale closes before the foreclosure sale. The state notice and postponement deadlines are described below. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
City Treasury handles City of Memphis property-tax accounts and questions. The Shelby County Trustee provides county tax lookup. Use the office and account shown on the bill you received; City and county tax accounts are separate.
Share the address and timeline that matter to you, then review the written terms before you decide.
Request a Memphis cash offer