St. Louis City, Missouri / Selling guide
USA Home Buyers buys houses in the City of St. Louis, Missouri—not St. Louis County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You can read the written offer and terms before deciding whether to sell; if you choose to move forward, we close through a title company.
Call 888-274-5006 to talk about your property.
Share the address and what you know about the house. No obligation.
Compare the choices
A listing can reach buyers looking for a move-in-ready home, but repairs, cleanout, photos, showings, inspection responses, commissions, utilities, insurance, taxes, and time before closing affect what you keep—not just the asking price.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. A written offer gives you terms to compare with the payoff, taxes, liens, occupancy, and timing for this house.
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. |
Change the assumptions in the St. Louis home-sale net-proceeds calculator to compare what you might keep after costs.
Steps and numbers
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.
A written offer is separate from the closing schedule. Written offer and written terms come before you commit; the sale closes through a title company.
Prices, timing and your selling options
Homes in St. Louis, MO sold for a median of $249,881 for the three months ending September 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in St. Louis, MO spent a median of 23 days on the market for the three months ending September 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.
Useful local facts
The 2024 American Community Survey one-year estimates count 98,061 of St. Louis’s 174,694 housing units as built in 1939 or earlier. Dutchtown is known for locally made-brick residences. These are city and neighborhood context; the condition and repair needs of each house are different.
2024 ACS housing-age table via Census Reporter · Dutchtown neighborhood reference · St. Louis neighborhood guide
The 2024 ACS one-year estimates report 80,327 renter-occupied units out of 148,637 occupied units and 26,057 vacant units out of 174,694 total housing units in St. Louis. These citywide counts do not tell you whether a particular house is rented or vacant. A tenant or vacancy can affect access and timing; we can discuss occupancy, lease, rent and deposit details, utilities, and possession plans with you.
2024 ACS occupancy table via Census Reporter · 2024 ACS vacancy table via Census Reporter · Tenant-occupied sale questions
The City’s Cultural Resources Office works with property owners in historic districts and offers assistance in planning rehabilitation projects. If renovation is one option, compare that work with written sale terms for the house as it sits.
Closing questions
For jointly owned property, the title company can confirm who needs to sign and which papers are needed. For an inherited house, an heir acting alone cannot sell for the estate. The person appointed by the Missouri probate court as personal representative handles the sale. In independent administration, the representative generally can sell without a court order, within the will’s limits and for the estate’s benefit. In supervised administration, the representative generally needs a court order; the process includes notice to heirs and devisees, then a report for court approval after the sale. Interested people may object before approval. An executor may also sell under a power in the will. Not sure which applies? Call us — we’ll help you sort it out. See the St. Louis inherited-property and probate guides.
RSMo §473.783, independent administration · RSMo §473.810, representative’s powers · RSMo §473.460, court-ordered sale · RSMo §473.493, petition and notice · RSMo §473.513, report and approval · RSMo §473.457, sale under a will
Missouri’s constitution bars the state, counties, and other local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010. State law sets recorder charges at $5 for the first page of a deed and $3 for each additional page, plus per-document fees; the title company or closing professional confirms the exact recording charges.
When you sell to us, we pay the closing costs. That does not pay your mortgage balance, liens, back taxes, or your share of current property taxes; have the title company confirm the amounts tied to your sale.
Missouri Constitution, art. X, §25 · RSMo §59.310, deed recording fees · RSMo §59.319 · RSMo §59.800
A sale may still be possible if the loan can be paid off before the sale. If a home loan uses a deed of trust with a power of sale, the lender can use a trustee’s sale without a court case. Missouri law requires at least 20 days’ notice, published in a newspaper and mailed by certified or registered mail to the owner of record. If the lender or someone acting for it buys at the sale, the owner can redeem within one year by giving written notice of intent at the sale or within the ten days before it, then filing a court-approved bond within 20 days after the sale. Confirm the sale date and amount needed with the title company or an attorney.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Signing an agreement alone does not postpone the sale.
RSMo §443.310, sale location and notice · RSMo §443.320, published notice · RSMo §443.325, mailed notice · RSMo §443.410, redemption · RSMo §443.420, notice and bond.
Read the longer Missouri seller guide and the local St. Louis foreclosure page for more context.
Yes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
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.
Compare the written price and terms with repairs, cleanout, showings, commissions, buyer financing, insurance, utilities, taxes, payoff, other obligations, and the time you would carry the house. A listing may fit a house that is ready to show; an as-is offer gives you another set of written terms to compare.
A tenant in place can affect access and timing. We can discuss the lease, occupancy, rent and deposit details, and possession plans with you; a Missouri attorney can advise on legal questions about a specific lease.
The person appointed by the Missouri probate court as personal representative handles the estate sale; an heir acting alone cannot sell for the estate. In independent administration, the representative generally can sell without a court order, within the will’s limits and for the estate’s benefit. In supervised administration, the sale generally follows a court order. An executor may also sell under a power in the will. Not sure which applies? Call us — we’ll help you sort it out.
Missouri’s constitution bars the state, counties, and other local governments from imposing new taxes on a real-estate sale or transfer after December 2, 2010. State law sets deed recording charges at $5 for the first page and $3 for each additional page, plus other per-document fees; the title company confirms the exact charges. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
A sale may still be possible if the loan can be paid off before the trustee's sale. Confirm the sale date and payoff with the title company or an attorney; Missouri notice and redemption deadlines still matter. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Signing an agreement alone does not postpone the sale.
“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.”
For a home in a historic district, the City’s Cultural Resources Office can help owners plan rehabilitation work. Ask about your address before setting a renovation budget.