Head-to-Head Comparison

Should I get a cash offer or list on the MLS?

EM Elena Marchetti, CashOfferComparison Editorial · Our methodology · Reviewed by the CashOfferComparison editorial team
TL;DR: The trade is dollars vs. time. MLS listing typically nets 3-10% more than even the best cash offer programs — but that's after 45-90 days of showings, negotiation, and the chance the deal falls through twice before closing. The right choice depends on how much that gap is actually worth to you given your real-life timeline.
Decision

Get a cash offer now

vs
Decision

List on MLS

Head-to-head comparison

FactorGet a cash offer nowList on MLS
Time to close2-6 weeks45-90 days median
Net proceeds4-13% below retailRetail minus 5-6% agent fees
CertaintyFirm offer at acceptanceConditional on financing + inspection
Showings & disruptionNoneMany over weeks
Repair concessionsBuilt into program mathNegotiated per offer (often $5-15k)
Best forSpeed, certainty, life eventsMaximum dollars, no time pressure

Which one to pick

Pick Get a cash offer now if

You need to close on a date. You have inherited / distressed / vacant property. You're juggling relocation, divorce, or financial pressure.

Pick List on MLS if

You have 60-90 days. Your home shows well. You're in a market where inventory is tight.

The honest take

Most comparison content on the internet picks a winner because the writer is incentivized to push you toward one specific affiliate link. We're not. The real answer for most sellers is: get an offer from both, compare the actual numbers on your actual home, and then decide. Five minutes of effort can move your net proceeds by $10,000+.

If you want us to do the legwork — pull both programs (and a third we think you should also consider) on your specific home — request a match here. Free, no lead-selling, no pay-for-placement.

Want both on your home, with the math attached?

We'll run Get a cash offer now, List on MLS, and one alternative side-by-side on your actual address. ~90 seconds.

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