Murray, Kentucky · Calloway County seller guide · 2026
Yes. USA Home Buyers buys houses as-is in Murray and Calloway County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You receive written offer terms before you commit, and closing is through a title company.
Ask us for a written cash offer. Call 888-274-5006 or use the form to tell us about the house.
Compare the choices
Listing may fit when the house is ready to show and you have time for preparation, showings, buyer requests, and closing. Compare a likely sale price after repairs, cleanout, commissions, carrying costs, and the time involved.
We review the house in its current condition; you do not have to repair, clean, or clear it out to sell to us. Compare the written terms with the costs and obligations tied to your house, and decide based on what you would keep.
Cash Offer and EZ Sale are two different ways to sell directly. Compare their written numbers with a listing and choose the terms that fit your situation.
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 | Yes, partner visits |
| 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 | You get a written offer and written terms before you commit, and we close through a title company. | You get a written offer and written terms before you commit, and we close through a title company. |
| 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 Murray 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
You get a written offer and written terms before you commit, and we close through a title company.
Murray market 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 | $269,871 | Redfin · Murray, KY | Three months ending September 2026 |
| Median days on market | 58 days | Redfin · Murray, KY | Three months ending September 2026 |
| Homes sold | 51 homes | Redfin · Murray, KY | Three months ending September 2026 |
| Typical home value (Zillow ZHVI) | $209,141 | Zillow · Murray, KY | As of September 2026 |
| For-sale inventory | 116 homes | Zillow · Murray, KY | As of September 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 market measure, not a price for your address: $209,141 (As of September 2026; Zillow typical home value for Murray, KY).
Compare a possible listing price or written offer with repair and selling costs, your payoff, and the bills you would carry while waiting. The calculator lets you change the assumptions for your property; its result is an estimate, not an offer.
Murray and Calloway County
Murray is the Calloway County seat, but the City and County handle different questions, and a Murray mailing address alone does not establish whether a property is inside City limits. For a City tax, permit, or planning question, the City lists its Customer Service Center and Planning & Engineering; Calloway County lists its Property Valuation Administrator, Treasurer, and Clerk’s Deeds contact. We can discuss the property and any notice that affects a possible sale.
Murray State University is a familiar local landmark. The County directory locates the University Registrar at Sparks Hall near 15th and Main; if a house is described as being near campus, its street address helps us discuss the actual property.
City of Murray history · Murray State University campus map · Calloway County office directory
Signatures, taxes, and deadlines
A court-appointed personal representative—an executor or administrator—can act for the estate. If the will gives that person power to sell real estate, a separate court order is usually not needed. Without that power, the representative asks the District Court for an order granting authority to sell; the order must be final and the appeal period must expire before the property can be conveyed, and a certified copy is recorded with the deed. A surviving spouse may have rights in the house even if not named on the deed.
Kentucky appointment of a personal representative · Personal representative powers · Court authority to sell estate real estate · Recording the order with the deed
The rate is 50 cents for each $500 of value, or fraction of $500—about 0.1%. By law, the grantor (the seller) owes the tax. The county clerk collects it before the deed is recorded, and some transfers are exempt. Recording fees are separate; the title company can confirm whether an exemption applies to your sale.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
A sale may still be possible if the loan can be paid off before the sale. Kentucky mortgage foreclosures go through circuit court. If the lender wins a judgment, the court orders a public auction run by a master commissioner. By court rule, the commissioner generally must hold the sale within 90 days after the case is referred; the court must confirm the sale before the buyer gets a deed. If the sale brings less than two-thirds of the appraised value, the owner can redeem within six months by repaying the sale price plus 10% interest and certain costs. The court papers provide the dates to work from.
KRS 426.530, redemption after a low sale · KRS 426.560, judicial-sale advertising · Kentucky Supreme Court Order 2024-40, master commissioner sale rules
Where to find help
City contact information includes Customer Service and Planning & Engineering at 500 Main Street. The City directory also lists Building and permit resources for property questions.
The County lists the Property Valuation Administrator and Treasurer at 101 South 5th Street. Its Clerk’s Deeds contact is separate from the Auto contact for recorded-property-document questions.
The Kentucky Court of Justice lists the Calloway County Judicial Building at 312 N. 4th Street in Murray. The listing provides a court contact location; estate and foreclosure authority depend on the actual case.
Questions and contact
Call 888-274-5006 or use the form above to ask for a written cash offer and compare it with your other options.
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Yes. USA Home Buyers buys houses as-is in Murray and Calloway County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You receive written offer terms before you commit, and closing is through a title company.
Compare the written price and terms with the work and costs of preparing a listing, including repairs, cleanout, showings, commissions, carrying costs, and time. Focus on what you would keep after the costs and obligations that apply to your house, not only the first price shown.
A court-appointed personal representative is the starting point. If the will gives that representative power to sell real estate, a separate court order is usually not needed. Without that power, a final District Court order granting authority to sell is needed before the property can be conveyed. A surviving spouse may also have rights in the house, even if not named on the deed.
Kentucky charges 50 cents for each $500 of value, or fraction of $500. The grantor—the seller—owes the tax by law, and the county clerk collects it before the deed is recorded. Some transfers are exempt, and recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
A sale may still be possible if the loan can be paid off before the sale. Kentucky foreclosures go through circuit court; if the lender wins a judgment, the court orders a public auction run by a master commissioner. The commissioner generally must hold the sale within 90 days after the case is referred, and the court must confirm the sale before a deed goes to the buyer. If the sale price is less than two-thirds of the appraised value, the owner can redeem within six months by repaying the sale price plus 10% interest and certain costs.
Share the Murray property address and call 888-274-5006 or return to the form above.
Go to the offer form