Mississippi Seller Disclosure Requirements | SaveOnYourHome
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How to Sell Your Home By Owner in Mississippi: Disclosures, Closing, and Free FSBO Listing

A complete FSBO guide for Mississippi homeowners: what you must disclose, how Mississippi closings work, and how to list your home free on SaveOnYourHome.com.

Quick answer

Selling your home by owner in Mississippi is legal and can save you tens of thousands of dollars. Mississippi requires a statutory seller disclosure and is a attorney state for closings. You can list your Mississippi home free on SaveOnYourHome.com, a nationwide FSBO platform, with no listing fees and no commission owed to us.

Estimated FSBO Savings in Mississippi

Up to $15,900
On a typical $265,000 Mississippi home, eliminating the 6% agent commission keeps up to $15,900 in your pocket on this sale.
Where the 6% Comes From
Listing side, ~3% (~$7,950): No listing commission when you sell by owner on SaveOnYourHome.com.
Buyer side, ~3% (~$7,950): When your buyer finds you directly through your free listing, that 3% can be negotiated as a lower price or closing credit instead of going to a buyer's agent.
Typical Range on the Selling Side
On a $265K home, a Mississippi FSBO seller keeps roughly $6.6K-$8K that would otherwise go to the buyer's agent commission.

Use the free SaveOnYourHome.com Savings Calculator to estimate the full potential savings on your specific Mississippi sale.

Mississippi Seller Disclosure Requirements

Disclosure Type
Statutory
Statutory Form / Legal Basis
Residential Property Disclosure Statement (Miss. Code § 89-1-501 et seq.).

What Mississippi Sellers Must Disclose

  • Structural components: roof, foundation, walls
  • Systems: HVAC, electrical, plumbing, water heater
  • Water source and sewage disposal system
  • Termite/wood-destroying insect history and treatment
  • Flood zone and drainage history

Federal Lead-Based Paint Rule

Federal Title X (42 U.S.C. Section 4852d) requires every seller in every state, including Mississippi, to disclose known lead-based paint and lead-based paint hazards for homes built before 1978, provide the EPA pamphlet "Protect Your Family from Lead in Your Home," and give buyers a 10-day period to test for lead before becoming bound to the contract.

Mississippi-Specific Considerations

If the disclosure is delivered late, Mississippi gives the buyer 3 days to cancel if delivered in person, or 5 days if delivered by mail, from the date of actual receipt.

How Closing Works in Mississippi

Closing Handled By
attorney state
Attorney Review Period
N/A

Mississippi requires a licensed attorney to examine and certify title, prepare the deed, and oversee the closing for essentially all real estate sales, including FSBO transactions, under Mississippi Bar guidance and Miss. Code § 81-12-165. There is no separate escrow/title-company-only closing path as in title states; the attorney's office typically manages escrow of earnest money, document preparation, and fund disbursement. There is no statutory attorney-review period after signing; once the purchase agreement is executed, it is binding subject to its own contingencies. Source: Jerez Land's Mississippi land sale guide (jerezland.com).

Transfer Tax
Mississippi is one of the states with no state-level real estate transfer or deed tax. Sellers only pay nominal chancery clerk recording fees (typically $25 for the first five pages plus $1 per additional page). Sources: DeedClaim Mississippi guide (deedclaim.com) and Rosenblatt Real Estate (rosenblattrealestate.com).

Special FSBO Considerations for Mississippi

  1. Mississippi FSBO sellers must retain a licensed attorney to handle title work and prepare the deed, this is a firm legal requirement, not optional guidance, even for a private cash sale.
  2. Since there is no state transfer tax, FSBO sellers can expect lower total closing costs than many neighboring states, aside from attorney fees and recording fees.
  3. Mississippi seller disclosure obligations are more limited than some states, but sellers should still document known material defects in writing to reduce fraud/misrepresentation risk. Verification recommended with licensed Mississippi attorney.

Why List Your Mississippi Home Free on SaveOnYourHome.com

SaveOnYourHome.com is a nationwide FSBO platform built for Mississippi homeowners who want to sell their home without paying a listing agent. Listing your home on SaveOnYourHome.com is completely free, with no listing fees, no commissions to us, and no strings attached. We give Mississippi sellers a professional listing page, buyer inquiry tools, and free educational resources so you can market your home yourself and keep the equity you've built.

Unlike agent-based platforms, SaveOnYourHome.com is a pure FSBO marketplace. We don't take referral fees, we don't push you toward paid services you don't need, and we never charge you a commission when your home sells. The savings from selling FSBO in Mississippi, often tens of thousands of dollars, stay in your pocket.

Free Weekly FSBO Q&A Call for Mississippi Homeowners

Selling your Mississippi home by owner does not mean going it alone. Every week, SaveOnYourHome.com hosts a free live Q&A call where Mississippi homeowners can ask real questions about pricing, disclosures, showings, offers, and closing, and get honest, commission-free answers before they list.

The call is 100% free, there is nothing to buy, and every seller is welcome, whether you are just researching FSBO or already have your home on the market. Bring your questions and get clear guidance from the SaveOnYourHome.com team.

Reserve your spot on the next free weekly Q&A call →

Frequently Asked Questions About Selling FSBO in Mississippi

What must I disclose to buyers when selling FSBO in Mississippi?

Mississippi requires a statutory seller disclosure. The legal basis is: Residential Property Disclosure Statement (Miss. Code § 89-1-501 et seq.).

How much is transfer tax in Mississippi, and who pays it?

Mississippi is one of the states with no state-level real estate transfer or deed tax. Sellers only pay nominal chancery clerk recording fees (typically $25 for the first five pages plus $1 per additional page). Sources: DeedClaim Mississippi guide (deedclaim.com) and Rosenblatt Real Estate (rosenblattrealestate.com).

Is there a mandatory attorney review period in Mississippi?

Mississippi does not have a statutory post-signing attorney review period like New Jersey's. FSBO sellers can still ask an attorney to review the contract before signing.

How much can I save by selling my home FSBO in Mississippi?

On a typical Mississippi sale, real estate commissions total about 5% to 6% of the sale price, roughly 3% to the listing agent and 3% to the buyer's agent. Based on a $265,000 Mississippi home, eliminating that 6% keeps up to about $15,900 inside your transaction. When you sell FSBO on SaveOnYourHome.com, there is no listing fee and no listing-side commission owed to us. If your buyer also comes to you directly through your free SaveOnYourHome.com listing without a buyer's agent, the buyer-side ~3% (about $7,950) can be negotiated as a lower price or a closing credit on this same sale.

Do I need MLS access to sell FSBO in Mississippi?

No. SaveOnYourHome.com is a nationwide FSBO platform that reaches Mississippi buyers directly without requiring you to pay for MLS access or a listing agent.

Mississippi FSBO Recommendation

Complete Mississippi's official form or a comparable comprehensive form, keep copies of everything you disclose, and have a real estate attorney review your disclosure package before signing. Verify current requirements with a licensed Mississippi real estate attorney.

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Important legal disclaimer

Important Legal Disclaimer. Please read carefully before relying on any information in this guide.

Not legal, tax, or financial advice. This guide is general informational content published by SaveOnYourHome.com, LLC for Mississippi homeowners considering selling their home by owner (FSBO). It is not legal advice, tax advice, financial advice, investment advice, or real estate brokerage advice. Reading this page does not create an attorney-client, broker-client, or fiduciary relationship of any kind between you and SaveOnYourHome.com, LLC, its founder, its employees, or its contractors.

Not a licensed brokerage. SaveOnYourHome.com, LLC is a technology platform, not a licensed real estate brokerage in Mississippi or any other state. We do not represent buyers or sellers, we do not negotiate on your behalf, and we do not receive commissions. You are acting as an unrepresented seller.

No warranty of accuracy or currentness. State disclosure laws, closing procedures, transfer taxes, and required forms change frequently, and their application depends on the specific facts of your property and transaction. While we make reasonable efforts to keep this guide accurate as of the last-updated date shown below, we make no representations or warranties, express or implied, about the completeness, accuracy, reliability, or timeliness of any information on this page. Statutory citations and form references may become outdated between updates.

Consult licensed professionals. Before completing your seller disclosure, signing any contract, or closing on your home, you should consult a licensed Mississippi real estate attorney, and where appropriate a licensed tax professional, title company, and licensed home inspector. Every FSBO transaction has facts that a competent professional needs to review.

Third-party citations are not endorsements. Links to state statutes, government agencies, industry associations, and third-party sources are provided for reference only. We do not endorse and are not responsible for the content, accuracy, or availability of any third-party site or resource.

Your decision, your responsibility. The decision to sell your home by owner rather than through a licensed real estate agent is yours alone. You assume all risk related to that decision, including pricing, marketing, showings, negotiations, disclosures, and closing. To the fullest extent permitted by law, SaveOnYourHome.com, LLC and its affiliates, officers, employees, and contractors disclaim all liability for any loss, damage, or claim arising out of or related to your use of or reliance on this guide.

Last updated: July 23, 2026.

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