Inherited
You stop paying for a house and get a fair price.
Richmond · Madison County, Kentucky
Sell Your House Fast in Richmond, KY — Cash Offer in 24 Hours
Yes. USA Home Buyers buys houses as-is for cash in Richmond and Madison County, Kentucky. We buy in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You're going to get a fair price and not have to do anything. Just show up at settlement.
We give written cash offers in 24 hours. You get written terms before you commit, and closing is through a title company.
Call 888-274-5006 to talk through the property.
Hablamos Español
We give written cash offers in 24 hours.
Share the address, condition, and what is making the sale difficult.
BBB A ratingRead our Google reviews
Hablamos Español
Estimate what you could keep from a Richmond sale
See what you'd actually walk away with. We started with Zillow's typical home value for Richmond, $299,053 as of September 2026 (Source: Zillow Home Value Index). Pick your home's condition, from light touch-ups to fire damage, and change any number.
See Zillow's full home-value estimate
$299,053 (As of September 2026; Zillow typical home value for Richmond, KY)
Richmond, KY illustrative estimate
Richmond home sale calculator: what you'd actually put in your pocket
The sale price is only the starting point. What matters is what you keep after your payoff, repairs, fees, and other costs come out. That's your net proceeds.
The home value starts with Zillow’s typical value for the area. Your house may be worth more or less. You can change the value and every cost below. Adjust anything you know, including your payoff, repair or credit risk, cleanout cost, agent commission, and how long you expect to carry the property.
Starting-value basis: Zillow typical home value for Richmond, KY (As of September 2026): $299,053. Editable estimate, not an appraisal. Source: Zillow Home Value Index
The tax is $0.50 for each $500, or part of $500, of the estimated sale price. Exemptions may apply.
See what you'd actually walk away with.
Your starting home-value estimate may come from a public source when one is available. You can edit that estimate and each cost input above; your property's actual value and closing costs may differ.
Choose the condition that best fits your home, then update the value, mortgage payoff, and cost inputs with what you know. This estimate uses the tax rate and calculation shown above. Your percentage replaces it. Local taxes, exemptions and the property’s taxable value can change the final amount.
Three simple steps
1
Tell us about your house
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
Get your offer
We give written cash offers in 24 hours.
3
Close
You get a written offer and written terms before you commit, and we close through a title company.
Your situation
Selling a Richmond house when something has made it harder
Foreclosure
Fire damage
You keep the insurance money and don't have to worry about the house anymore — we'll take care of it.
Liens and back taxes
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Tenants
You're done — no turnover, no repairs, no more bad tenants.
Code violations
The fines don't stop while you think about it. They pile up, they add new ones, and every month takes another bite out of what the property is worth to you. We can buy it quickly, violations and all, so you stop the bleeding and keep your equity.
Divorce
You only have to agree on one thing — the price. After that we handle the rest, so there's nothing to argue about over repairs, contractors, showings, or who pays for what.
Cash Offer or EZ Sale: compare the written numbers
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 Richmond calculator →
Questions about the two options? Call 888-274-5006.
Richmond market snapshot
Prices, timing and your selling options
Home prices in Richmond
Homes in Richmond, KY sold for a median of $298,358 for the three months ending September 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in Richmond, KY spent a median of 56 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.
Kentucky selling costs: the real estate transfer tax
Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500. The taxable value includes the full price paid, including any liens the buyer takes over. State law charges the tax to the grantor—the seller—and some transfers are exempt, including certain foreclosure deeds, deeds between spouses, and certain transfers to government. Read Kentucky Revised Statute 142.050 →
On a $100,000 taxable sale, the tax is $100. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
What Richmond sellers should know
Richmond Building Inspections handles construction plans, permits, and inspections within city limits. If the house is in Richmond's H1 Historic District, exterior changes—including decks and accessory structures—need Architectural Review Board approval. Not sure what applies to the house? Call us — we'll sort it out with you.
Richmond Building Inspections → H1 Historic District guidance →
What our sellers say
“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.”
Who we are
We've helped homeowners in just about every situation you can imagine — thousands of times. When you're working with someone, you want to know they've seen it before. We have.
Richmond is a market we serve.
Useful Richmond and Madison County offices
Richmond Building Inspections
Plan review, permits, and construction inspections within Richmond City limits.
Richmond Planning & Zoning
Address-specific questions about whether a property is in the H1 Historic District and what review applies to exterior work.
Richmond Codes Enforcement
Compliance with City ordinances and the International Property Maintenance Code.
Madison County Clerk — Recordings
Recorded property documents including deeds, mortgages, plats, and other local records.
Madison County Clerk — Delinquent Taxes
Delinquent county property-tax bills; the Clerk explains how these differ from ordinary annual bills collected by the Sheriff.
Kentucky Court of Justice — Madison County
County court contacts, including the Probate Division contact listed in the directory.
Questions Richmond sellers ask
Can I sell a Richmond house without fixing it first?
Yes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company.
How is Kentucky's real estate transfer tax calculated?
Kentucky charges 50 cents for each $500 of value or fraction of $500. A $100,000 taxable sale comes to $100, and some transfers are exempt. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
What if I sell a fire-damaged house to you?
We buy the house exactly as it stands, and you keep your insurance proceeds. If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
Can I sell a house held in an estate?
We work with executors and estates regularly. Once the estate is opened, you can sell in the estate's name — no need to put the house in your own name first. If you need an estate attorney, we can help you find one. The Kentucky Court of Justice directory lists Madison County's Probate Division.
Tell us about your Richmond house
Share the address, condition, who is living there, and what you need to know. Call 888-274-5006 if you would rather talk first.
Hablamos Español
We give written cash offers in 24 hours.
Share the address and what is making the sale difficult.
BBB A ratingRead our Google reviews
Hablamos Español
Richmond and Berea
Berea is also in Madison County. The Madison County Clerk lists a Berea branch as well as a Richmond branch for local property-record questions. Madison County Clerk contact and branch information →