When someone you love passes away, the house they leave behind often comes with a lot of feelings and a long to-do list. There may be decades of belongings, repairs nobody’s gotten to, bills arriving in the mail, and family members with different ideas about what to do. If you’re the one handling it, take a breath. You don’t have to figure everything out at once.
This page covers the basics of selling an inherited house in Pennsylvania, how probate generally works, and how a cash sale can take some of the weight off. It’s general information, not legal or tax advice. For your situation, an estate attorney is the right person to ask.
How probate generally works in Pennsylvania
In Pennsylvania, estates are opened through the Register of Wills in the county where the person lived. In our area that means:
- Philadelphia: Register of Wills, City Hall
- Delaware County: Register of Wills, Media
- Montgomery County: Register of Wills, Norristown
- Bucks County: Register of Wills, Doylestown
- Chester County: Register of Wills, West Chester
If there’s a will, the person named as executor applies to the Register of Wills and, once approved, receives “Letters Testamentary.” That document gives them authority to act for the estate.
If there’s no will, a family member (usually a spouse or next of kin) can apply to be the administrator and receive “Letters of Administration.”
After letters are granted, Pennsylvania law requires the personal representative to advertise the estate so creditors have notice. In many cases, once the personal representative has letters, they can sign an agreement to sell the house for the estate even though the estate isn’t closed. Some situations need heirs to join in or court approval, so check with your attorney.
The house is in New Jersey? NJ probate works differently, through the county Surrogate. See our South Jersey page.
A few other things to know
- Pennsylvania inheritance tax: Pennsylvania taxes property inherited from someone who lived here, including real estate. Rates depend on your relationship to the person who passed. Spouses generally pay 0%, children and other lineal descendants 4.5%, siblings 12%, and most other heirs 15%. The tax is generally due within nine months of the death, and paying within three months earns a 5% discount. The PA Department of Revenue has the details.
- Capital gains: For federal tax purposes, inherited property generally gets a “stepped-up” basis equal to its value at the date of death, so a sale soon after may produce little taxable gain. Every estate is different, so ask a tax professional.
- The house still costs money: Property taxes, insurance, utilities, and upkeep don’t stop. A vacant house can be harder to insure, so tell the insurance company if no one is living there.
- Deed still in a parent’s or grandparent’s name? This is common, especially in Philadelphia. It’s often called “tangled title,” and free help may be available through local legal aid organizations.
Your options for an inherited house
Every family is different. Common paths include:
- Keep it. Someone in the family moves in or rents it out.
- Fix it up and list it. This can bring the highest price, but it takes time, money, and someone to manage the work.
- List it as-is with an agent. It’s an option, though houses needing major work can struggle with financed buyers.
- Sell directly to a cash buyer. Faster and simpler, usually at a lower price than a fully renovated sale.
None of these is right for everyone. If the house is in good shape and the heirs aren’t in a hurry, listing it may make the most sense.
How we help with inherited houses
As Is Home Buyers, based at 1110 Pine St in Philadelphia, buys inherited houses across the city and the surrounding counties in whatever condition they’re in:
- No clean-out. Take the keepsakes and leave the rest.
- No repairs. Old roofs, outdated systems, water damage: we price it in.
- One clear offer for everyone. A written number every heir can review.
- Flexible timing. We can work around the estate’s schedule and close when the paperwork is ready.
- Help with relocation. If a family member is still living in the house, we can assist with relocation and moving.
- Cash before closing. We can sometimes advance part of the cash before closing.
- No commissions. Your offer will spell out in writing which closing costs we cover.
We’re happy to talk early, before letters are granted, so you know your options. Our How It Works page explains each step, and if the house is in the city, see selling a Philadelphia house as-is.
Frequently Asked Questions
Can I sell the house before probate is finished?
In many cases, yes. Once the personal representative has been granted letters by the Register of Wills, they can usually sign a sale agreement for the estate. Some situations require heirs’ consent or court approval, so confirm with an estate attorney.
What if my siblings and I don’t agree on what to do?
That’s very common. A written offer gives everyone the same concrete number to look at. If you can’t reach agreement, an estate attorney or mediator can help.
Do we need to empty the house before selling?
No. Take whatever you want to keep. We handle everything left behind after closing. If a relative is still living in the house, we can assist with relocation and moving.
Who pays the inheritance tax?
It’s generally the responsibility of the estate and the heirs, and it’s often paid from estate funds or sale proceeds. Your attorney or accountant can explain how it applies to you.
Will we owe capital gains tax when we sell?
Maybe not much, because inherited property usually gets a stepped-up basis. But the details depend on timing, the sale price, and the estate, so check with a tax professional.
Talk it through with us
If you’re handling an inherited house in Philadelphia, Delaware, Montgomery, Bucks, or Chester County, call (215) 515-0702 or email info@asishomebuyersphilly.com. You can also request an offer on our Sell My House Fast page. We’ll listen, explain how a sale could work, and give you a no-obligation offer when you’re ready.
As Is Home Buyers · 1110 Pine St, Philadelphia · (215) 515-0702 · info@asishomebuyersphilly.com · See or leave a Google review