We Buy Houses in Memphis, TN — Sell Your House Fast for Cash
Get a Fair As-Is Cash Offer Without Listings, Repairs, or Commissions
(866) 651-6617 CLICK TO CALL NOW FOR A FAST, NO OBLIGATION CASH OFFERNeed to sell your house fast in Memphis, TN? Send your address or call today. We buy houses in Memphis as-is and explain a written cash offer. A settlement agent checks Shelby County title, separate city and county taxes when applicable, and payoffs. Decide whether the price and timing suit you.
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A city median is context, not your house's offer price
Redfin's Memphis city series recorded 1,514 August sales, up 1.2% year over year, and a 54/100 competition score. The average sale-to-list ratio was 96.0%. The 36-day median market time does not include closing. An early-twentieth-century Central Gardens house, a postwar Orange Mound East house and newer suburban construction need separate comparable sales and condition reviews; a city median cannot tell you what an as-is buyer will pay.
Sell Your House in Memphis Fast - We Buy Houses in Memphis "as-is"
Sell It Exactly as It Sits in Memphis
We buy houses in Memphis as-is, including properties whose roof, wood trim or crawlspace needs work. If you want to sell a house as-is in Memphis, describe the known condition and compare the written cash offer with the likely net from a repaired listing. Ask cash home buyers in Memphis for proof of funds and any walkthrough terms that could change the price.
Review our as-is selling guide. A pre-1978 Memphis house may still require federal lead-paint disclosures, even in an as-is sale.
Selling a House in Memphis's Neighborhoods
These are housing-stock examples and useful checks, not a claim that every property has a defect.
| Neighborhood / District | Housing Profile | Common Challenges We Resolve | Seller Scenario |
|---|---|---|---|
| Central Gardens | Early-twentieth-century Four Square, bungalow, Queen Anne and Colonial Revival houses. | Check actual roof, painted surfaces and historic-overlay approval for exterior repairs. | Compare a restoration budget and design review with a direct offer. |
| Cooper-Young | Early-twentieth-century cottages and Craftsman or revival-style bungalows. | Examine wood trim, roof and drainage; verify overlay and pre-1978 paint requirements. | An owner weighing renovation or estate costs can compare sale routes. |
| Orange Mound East | Many surveyed 1940s–early-1950s weatherboard houses, with some brick or stone veneer and later additions. | Check siding, roof and later-work permits on the individual house. | A repair-heavy or inherited home can be reviewed as-is. |
| Vollintine-Evergreen | Primarily 1920s–1930s bungalows and revival-style houses. | Scope roof, woodwork, drainage and parcel-specific historic review. | An owner can compare historic-sensitive improvements with a written offer. |
The Memphis Landmarks Commission may require a Certificate of Appropriateness for covered exterior work in a local historic overlay. Verify the specific parcel and proposed work before pricing a renovation.
Conditions That Can Change a Memphis Home Sale
Water entry on mapped low parcels
Along mapped Mississippi River, Wolf River, Nonconnah Creek or tributary floodplain parcels, overbank water or backed-up runoff can enter low openings and wet framing, insulation and equipment. Waterlines, silt, musty odors or corroded low equipment call for an address-specific city floodplain and damage-history review. A lender may require separate flood insurance in a special flood hazard area; ordinary homeowners coverage generally excludes external flooding. Levees and pumps do not establish a particular home's risk.
Pre-1978 painted surfaces
Older windows, siding, doors or porches may shed chips and friction dust if lead-based paint is present. Visible peeling is a reason to test, not a diagnosis. A confirmed hazard or lead-safe renovation cost may affect a buyer's repair allowance; federal sale disclosures apply when required even if the buyer plans to renovate.
Termites at susceptible wood and crawlspaces
Subterranean termites can travel from soil to wood through shelter tubes, especially where moisture or wood-soil contact gives access. Mud tubes on piers, hollow-sounding timber or discarded wings warrant a licensed wood-destroying-insect inspection. University of Tennessee Extension explains treatment; an inspection and structural bid inform any as-is discount or conventional buyer request. This is a regional exposure, not proof of an infestation in a Memphis house.
A damaged roof can also affect underwriting or roof-loss valuation. Check the actual policy and Tennessee insurance guidance; there is no verified universal local roof-age cutoff.
As-Is Repair Cost Estimator
This broad planning range is not an inspection, appraisal, contractor quote, or cash offer. The base covers interior finish work such as paint, flooring, and surfaces. Roof, HVAC, plumbing, electrical, crawlspace, flood or drainage, and termite work are outside that base and selectable only when additional.
Illustrative planning assumptions, not verified Memphis contractor prices. Select an add-on only for work outside the interior finish scope.
Actual costs vary with labor, scope, access, concealed damage, permits, and materials. Get a parcel-specific contractor quote. Our offer calculation guide explains the separate purchase-price decision.
Cash Sale vs. Traditional Listing in Memphis
A traditional sale may produce a higher gross price, but commissions, seller closing costs, repairs, concessions and ongoing holding expenses reduce the amount you ultimately keep. A direct cash sale generally prioritizes speed, certainty and convenience rather than the highest possible gross price. Redfin's 36-day Memphis median time on market excludes settlement; flood, paint or termite questions belong in a parcel-specific net comparison.
| Decision point | Traditional listing | Direct cash sale with MHIC |
|---|---|---|
| Gross price | Potentially higher gross price | Usually lower than full retail value |
| Commissions | Agent commission may apply | No agent commission |
| Closing costs | Seller closing costs may apply | MHIC pays normal closing costs; review the contract |
| Property condition | Repairs or buyer credits may be requested | Property sold as-is, with applicable disclosure duties |
| Contingencies | Financing and appraisal contingencies may apply | No buyer-financing contingency; review other conditions |
| Timeline | Market exposure plus contract and settlement | Seller selects an available closing date after title and payoff checks |
Compare Your Estimated Selling Options
Use our adjustable calculator to compare a traditional listing with a direct cash sale using your property's estimated value and expenses.
Use the Net-Proceeds Calculator →Probate, Foreclosure Deadlines, and Complicated Title Situations in Memphis
An inherited house
The Probate Court of Shelby County, Tennessee and Probate Court Clerk Eddie S. Jones, Jr. are at 140 Adams Avenue, Room 124, Memphis, TN 38103. Tennessee's Small Estate Probate Act allows a sworn petition and court-issued limited letters for a qualifying probate estate of no more than $50,000, ordinarily after 45 days from death if no personal-representative petition was filed; the court may waive the wait for good cause. The personal-property process does not itself convey real estate. An estate over the threshold, a prior petition, or an unresolved house title needs a different review. An heir should ask a Tennessee probate lawyer and the closing agent to establish vested ownership, any survivorship and the proper signers. See our inherited-house guide.
A pending trustee sale
A Tennessee deed of trust with sale power may be foreclosed by a trustee without a routine court case; judicial foreclosure and Shelby County delinquent-tax sales are separate. The actual Notice of Trustee's Sale gives the physical or online venue and date. Current state law generally requires two county-newspaper publications, the first at least 20 days before sale, 20 continuous days of third-party online posting, and statutory mailed notice. For a covered loan, federal servicing rules generally bar the first foreclosure notice or filing until more than 120 days delinquent, subject to exceptions. Ask the servicer for written reinstatement and payoff amounts and deadlines; no one Tennessee reinstatement deadline applies to every deed. Confirm a postponement with the trustee. A cash offer does not stop the auction. Deed language can waive the otherwise statutory redemption right after a mortgage sale, so get legal advice about the actual instrument. Our foreclosure selling guide and a HUD-approved counselor can help frame the choices.
Separate taxes, code records and recorded liens
City of Memphis Treasury bills municipal property tax separately from the Shelby County Trustee. The city's posted 2026 rate is $2.58081 per $100 of assessed value, a city rate only. City tax was payable through August 31, 2026, with 1.5% monthly interest from September 1. County tax is due the first Monday in October, payable through the following February and delinquent March 1, with separate 1.5% monthly interest. Obtain both current balances for a city parcel; a Memphis postal address outside city limits may have different obligations. A title professional checks the Shelby County Register of Deeds, mortgage releases and judgments, and looks into Memphis housing-code records when relevant. Back taxes, heirship or code expenses may require payoff or legal work. A purchase offer does not erase a lien.
We buy property and do not provide legal, tax, probate, foreclosure-defense or financial advice. Consult the probate clerk, city Treasury, county Trustee, a Tennessee real estate attorney or your tax adviser about your circumstances.
What Happens Between Accepting Your Cash Offer and Getting Paid in Memphis?
Ask for proof of funds and review price-change provisions. Read our offer calculation guide and cash-buyer questions before signing.
Memphis and Nearby Communities We Can Review
These 18 surrounding communities are roughly within 75 miles of central Memphis. We review the actual address and transaction before confirming eligibility. Mississippi and Arkansas properties have different probate, foreclosure, tax and recording rules from Tennessee.
Tennessee
Mississippi
Arkansas
Pan or zoom this fixed Google map for orientation. It does not mark an exact buying boundary. For Tennessee-specific guidance, see our state page.
Memphis Real Estate & Legal Terms Homeowners Should Know
Memphis city and Shelby County tax bills: Separate Memphis municipal and Shelby County accounts have different late dates; title settlement should obtain both tax payoffs.
Shelby County Register of Deeds: County office records deeds, deeds of trust and property liens; its index helps verify title and releases before a sale.
Limited small-estate letters: Tennessee probate-court process for a qualifying estate up to $50,000, ordinarily after 45 days; it does not by itself convey a Memphis house.
Notice of Trustee’s Sale: Tennessee deed-of-trust foreclosure notice mailed and advertised in the county newspaper and online; the specific notice states sale venue.
Memphis Certificate of Appropriateness (COA): Historic-overlay review of certain exterior alterations, demolition, additions or new construction by the Memphis Landmarks Commission before covered work proceeds.
Floodplain GIS layer: City parcel-map layer identifying floodway and floodplain areas; check the address against current FEMA data before assuming insurance or permit obligations.
Frequently Asked Questions
Which residential ZIP codes do you review in Memphis and nearby communities?
Memphis-address residential street-delivery ZIPs include 38103, 38104, 38105, 38106, 38107, 38108, 38109, 38111, 38112, 38114, 38115, 38116, 38117, 38118, 38119, 38120, 38122, 38125, 38126, 38127, 38128, 38131, 38132, 38133, 38134, 38135 and 38141. ZIPs 38131 and 38132 have very few residential addresses; verify the exact delivery address. Adjacent Cordova mailing areas include 38016, 38018. This list excludes PO Box, institutional and no-residential-delivery codes. A Memphis postal ZIP is not proof of City of Memphis jurisdiction.
For the named Tennessee communities: Bartlett 38002, 38133, 38134, 38135; Germantown 38138, 38139; Collierville 38017 (some edge parcels overlap 38125 or 38139); Lakeland and Arlington 38002 (some Lakeland edge parcels share 38016 or 38133); Millington 38053; Oakland 38060; Piperton 38017, 38066; Atoka 38004; Munford 38058; Covington 38019; Somerville 38068 (nearby Fayette addresses can use 38060 or 38076). These overlapping codes are residential ZIP areas, not municipal boundary claims.
For Mississippi: Southaven 38671, 38672; Olive Branch 38654; Horn Lake 38637; Hernando 38632. For Arkansas: West Memphis 72301 and Marion 72364 (some city-edge parcels may use 72301). Check any address with USPS, then verify its city, county and state jurisdiction; eligibility is property-specific.
Does a Memphis mailing address always owe City of Memphis property tax?
No. Some Memphis postal addresses lie outside municipal limits. A parcel inside the city can have a separate Memphis bill and Shelby County bill, with different delinquency dates. Check the Assessor municipal-jurisdiction field and ask the correct offices for payoff amounts.
How can I sell my house for cash in Memphis without repairs?
Send your address and known condition or call (866) 651-6617. We can review the house as-is and explain a written cash offer. Compare it with the likely listing net after repairs and carrying costs; the closing date depends on title, taxes, seller authority and available funds.
What does the Memphis median price say about my house?
Redfin reported a $187,276 Memphis city median sale price for the three months ending August 2026, down 2.2% year over year, with a 36-day median market time and 1,514 August sales. A median does not price a specific roof, flood history, neighborhood, title or sale terms. Use comparable properties and condition-specific estimates.
Can you review a Memphis house with flood damage or a wet crawlspace?
Yes, we can review the specific condition as-is. Supply known loss and repair records, and check the individual parcel against city and FEMA flood maps. A lender may require separate flood coverage for a mapped high-risk area; standard homeowners insurance generally excludes external flooding.
Does a pre-1978 Memphis house automatically have lead paint?
No. Age is a reason to check, not a positive test. Peeling trim or window dust can justify a qualified assessment. Federal pre-1978 sale disclosure requirements can still apply to an as-is transaction, and lead-safe practices may apply to renovation.
What should I do if I see termite tubes near the foundation?
Ask a licensed wood-destroying-insect professional to inspect and identify the cause. Moisture, soil contact and shelter tubes can signal concealed damage, but a visible mark is not a repair estimate. Obtain treatment and structural bids to compare a conventional listing with an as-is offer.
Will a historic overlay stop a Central Gardens or Cooper-Young sale?
The designation does not itself prevent a transfer. Certain exterior work may need a Memphis Landmarks Commission Certificate of Appropriateness. Check the exact parcel and proposed renovation before assuming a permit cost or schedule.
Can Tennessee small-estate letters transfer my inherited Memphis house?
No. Qualifying personal-property estates up to $50,000 can seek court-issued limited letters, ordinarily after 45 days, but those letters do not themselves convey real estate. Ask the Shelby County Probate Court clerk and a Tennessee probate attorney to verify ownership and authority to sign.
Will a cash offer pause a scheduled Shelby County trustee sale?
No. Confirm the actual sale venue and date in the Notice of Trustee’s Sale, obtain written reinstatement and payoff figures from the servicer, and ask the trustee to confirm any postponement. A sale before auction requires legal authority, a clear title path, sufficient time and funds. Seek a Tennessee attorney or HUD-approved counselor promptly.
How should I compare Memphis cash buyers for houses?
Compare written net proceeds, proof of funds, walkthrough and price-change provisions, cancellation rights, the closing agent and timing. A retail listing may bring a higher gross price, while an as-is direct sale avoids the repair and showings process. Run your own assumptions through our net-proceeds calculator.
Request an Offer for Your Memphis House
Share the address, condition, any city and county tax balances you know about, and your preferred timing. We will explain a written as-is cash offer so you can compare it with your other options. There is no obligation to accept.
Or call (866) 651-6617.
Official Memphis Homeowner Resources
Use Memphis city offices for an incorporated city parcel; county records apply countywide. Mississippi and Arkansas addresses have different offices and laws.