Commissions / fees
Listing with a local agent
About 6% on average—an estimate that varies by agent, brokerage, and listing agreement.
Selling directly to St. Louis Cash Buyers
None charged by St. Louis Cash Buyers.
Call now314-279-4922Selling directly or listing with a local agent?
Both can be valid choices. Compare the likely costs, timing, convenience, certainty, and price potential to find the route that best supports your goals.
Side-by-side comparison
Choose the route that fits your priorities.
Neither option is automatically right for every seller. Compare the likely costs, steps, timing, and tradeoffs before you decide.
| What to compare | Listing with a local agent | ✓ Selling directly to St. Louis Cash Buyers |
|---|---|---|
| Commissions / fees | About 6% on average—an estimate that varies by agent, brokerage, and listing agreement. | None charged by St. Louis Cash Buyers. |
| Closing costs | About 2% on average paid by the seller—an estimate that varies by transaction. | None; we pay standard closing costs. |
| Inspection and financing contingencies | Typically yes. Unresolved inspection, appraisal, or financing conditions can delay, change, or end a sale. | No lender financing or inspection contingencies in our standard cash offer. |
| Appraisal | Commonly required when the buyer is using lender financing. | No lender appraisal for a cash offer. |
| Typical timeline | The original site estimated around 91 days; actual market time and closing time vary. | Immediate cash offer, with closing potentially in as little as 7 days. |
| Showings | Varies; multiple buyer showings may be needed. | One walkthrough with our team. |
| Closing date | Often 30–60 days after accepting an offer, depending on the buyer and financing. | You choose the closing date, subject to title and closing requirements. |
| Repairs | Often negotiated after inspection, depending on the contract and buyer. | No repairs required; we buy as-is. |
Closing costs
Listing with a local agent
About 2% on average paid by the seller—an estimate that varies by transaction.
Selling directly to St. Louis Cash Buyers
None; we pay standard closing costs.
Inspection and financing contingencies
Listing with a local agent
Typically yes. Unresolved inspection, appraisal, or financing conditions can delay, change, or end a sale.
Selling directly to St. Louis Cash Buyers
No lender financing or inspection contingencies in our standard cash offer.
Appraisal
Listing with a local agent
Commonly required when the buyer is using lender financing.
Selling directly to St. Louis Cash Buyers
No lender appraisal for a cash offer.
Typical timeline
Listing with a local agent
The original site estimated around 91 days; actual market time and closing time vary.
Selling directly to St. Louis Cash Buyers
Immediate cash offer, with closing potentially in as little as 7 days.
Showings
Listing with a local agent
Varies; multiple buyer showings may be needed.
Selling directly to St. Louis Cash Buyers
One walkthrough with our team.
Closing date
Listing with a local agent
Often 30–60 days after accepting an offer, depending on the buyer and financing.
Selling directly to St. Louis Cash Buyers
You choose the closing date, subject to title and closing requirements.
Repairs
Listing with a local agent
Often negotiated after inspection, depending on the contract and buyer.
Selling directly to St. Louis Cash Buyers
No repairs required; we buy as-is.
Important: These figures are general estimates carried forward from the original St. Louis Cash Buyers comparison page. Actual costs and timing vary by property, market conditions, agreements, title matters, buyer financing, and other transaction details. The 6%, 2%, and 91-day figures are not guarantees or universal facts.
A transparent tradeoff
Retail price potential versus speed and certainty.
Listing with a capable local agent may produce a higher top-line price—especially for a market-ready home when you have time for preparation, showings, inspections, and buyer financing. A direct cash sale may trade some of that price potential for a faster, more predictable sale with no repairs, fewer visits, no agent commission, and fewer transaction costs.
Work the complete numbers
Look beyond the sale price.
The best comparison is the estimated net amount you receive, the time required, and the work or uncertainty you accept—not only the number at the top of an offer.
Commissions
Account for any listing-broker compensation or other agreed selling fees.
Repairs
Consider pre-listing work and repairs negotiated after a buyer’s inspection.
Closing costs
Review title, transfer, settlement, and other costs assigned in the contract.
Holding costs
Mortgage payments, utilities, property taxes, insurance, lawn care, and maintenance continue until closing.
Time and uncertainty
Showings, inspections, appraisal, financing, and buyer timelines can affect when—or whether—a traditional sale closes.
No pressure. No obligation.
Compare a real offer—not just estimates.
Tell us about the property and we’ll explain what a direct purchase could look like. You can compare it with your other options and decide what works best.
Call St. Louis Cash Buyers314-279-4922