Selmer, Tennessee · McNairy County seller guide
Yes. USA Home Buyers buys houses in Selmer and McNairy County, Tennessee. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 or use the form to ask for a written cash offer.
Share the address, condition, occupancy, and timing you are weighing.
The short answer
A listing may suit a house that is ready to show and a seller who can take on preparation, showings, inspection responses, and the costs of waiting. A direct as-is sale gives you another written number to compare when repairs, cleanout, occupancy, estate questions, a Town notice, or a deadline changes what you want to take on. Put the costs and terms beside each option before deciding.
A listing may fit when the house is ready to show and you can take on preparation, showings, and the time before closing. Compare its likely repairs, cleanout, commissions, inspection responses, and carrying costs with the written terms for a direct sale. The table shows how the two direct-sale programs differ.
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 Selmer 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.
Selmer market numbers
Compare the figures below with the repairs, bills, and timing you are weighing for your own house.
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 | $189,910 | Redfin · Selmer, TN | Three months ending September 2026 |
| Median days on market | 82 days | Redfin · Selmer, TN | Three months ending September 2026 |
| Homes sold | 17 homes | Redfin · Selmer, TN | Three months ending September 2026 |
| Typical home value (Zillow ZHVI) | $162,980 | Zillow · Selmer, TN | As of September 2026 |
| For-sale inventory | 52 homes | Zillow · Selmer, TN | As of September 2026 |
Include utilities, other bills and any mortgage payments while waiting to sell. Allow time for closing, too.
For a current typical-home-value reference, see $162,980 (As of September 2026; Zillow typical home value for Selmer, TN).
A sale price is not the same as the amount left after costs. Use the calculator to compare editable assumptions for a listing and a direct sale, then compare them with the written terms for your house. It is an estimate, not a property-specific offer.
Just an estimate — the actual number could be more or less depending on the home's condition.
Compare possible net proceeds with the Selmer calculator →Local property questions
Selmer is McNairy County’s county seat. For a permit, zoning, or property-maintenance question, call us with the house address — we’ll sort out which office to contact.
The Town’s code pages cover building, property maintenance, and zoning. Its Building Inspector/Code Enforcement page lists permit applications and code resources. If you have a permit question or notice, call us with the address — we’ll help you sort out the next step.
Town municipal-code index · Building Inspector / Code Enforcement Office
McNairy County’s Trustee collects county property taxes; the Assessor handles assessment and parcel-map questions. The Register of Deeds keeps recorded property documents, and the Chancery Court Clerk & Master is the county contact for court-office questions. Have a tax bill, deed, or court paper? Call us — we’ll talk it through with you.
McNairy County Trustee · Property Assessor · Register of Deeds · Chancery Court
Closing questions
Tennessee charges a realty transfer tax when the deed is recorded. The rate is 37 cents for each $100 of the price paid or the property’s value, whichever is greater. By law, the buyer pays it; the buyer states the price or value under oath on the deed, and the county Register of Deeds collects the tax for the state. It is a state tax. Some transfers are exempt under state law.
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.
Tennessee Department of Revenue: recordation taxes · Recordation tax overview · Transfer-tax responsibility
In Tennessee, the house usually passes at death to the heirs or people named in the will. Those heirs or beneficiaries generally sign. If the will puts the house under a court-appointed personal representative’s control or gives that person power to sell, the representative can usually sign instead; the court’s letters show that authority. The title company confirms who must sign. If you need an estate attorney, we can help you find one.
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, notice must run at least twice in a newspaper published in the county, with the first newspaper notice at least 20 days before the sale. A third-party internet posting company must post it online for at least 20 days in a row, and 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 may 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 the sale.
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. The current notice, loan papers, and sale date matter for your property; check them with a Tennessee attorney. See Tenn. Code Ann. §§ 35-5-101 and 66-8-101, including 2025 Public Chapter 515 for the updated notice rules.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Tennessee 2025 law changing newspaper and online notice rules · Tennessee Secretary of State: third-party internet posting companies · Selmer foreclosure information
Where to find help
Browse the Selmer seller-article hub for as-is sale options and local guides.
Use the page focused on the issue in front of you: an inherited house, foreclosure notice, or Town code question.
Seller reviews
“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 in Selmer and McNairy County, Tennessee, as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Share the address and what you know about the property to ask for a written cash offer.
Compare the written numbers and terms with the work, costs, and time each option asks of you. A listing may involve repairs, cleaning, showings, inspection responses, commissions, and bills while you wait. A direct sale gives you another written option to compare; the calculator is an estimate using assumptions you can change.
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property's value, whichever is greater. By law, the buyer pays 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 closing can happen before the sale. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. The notice, loan papers, payoff, title work, and required signatures affect the timing.
In Tennessee, the house usually passes at death to the heirs or people named in the will. Those heirs or beneficiaries generally sign. If the will puts the house under a court-appointed personal representative’s control or gives that person power to sell, the representative can usually sign instead; the court’s letters show that authority. The title company confirms who must sign. If you need an estate attorney, we can help you find one.
The Town of Selmer’s Building Inspector/Code Enforcement page lists permit applications, zoning, and code resources. If you have a notice or question, call us — we’ll sort it out with you.
Call 888-274-5006 or use the one-step form at the top of this guide. You can review the written offer and terms before you decide.