Estimator
What's My House Worth? Free Home Value Estimate
What's my house worth today? The honest answer is a range, not a single number: an estimate built from what you paid, how long you have owned it, and how prices have moved in your area since.
Your details
FHFA repeat-sales growth has averaged roughly 4-5% a year nationally.
Estimated value
$425,723
Likely range $395,923 to $455,524
- Gross equity
- $215,723
- Estimated selling costs (8%)
- $34,058
- Cash if you sold today
- $181,665
- Gain since purchase
- $105,723
How you compare: The median US home sold for roughly $420,000 in recent quarters, and the typical owner holds about 11 years before selling.
How we calculate this
We take your purchase price and compound it by the annual growth rate you set, which mirrors how the FHFA repeat-sales index measures price change on the same homes over time.
Improvements are credited at about 60% of their cost, because most renovations return less than they cost at resale — kitchens and bathrooms return more, swimming pools and bespoke work much less.
Selling costs are modelled at 8% of value, covering agent commission, transfer taxes, title and typical concessions. Your state and negotiated rates will move that figure.
The result is a range, not an appraisal. A licensed appraisal or a comparative market analysis from a local agent is the number a lender or buyer will use.
What actually sets your home's value
Three things dominate: location, condition and what comparable homes nearby have recently sold for. Everything else — the loft conversion, the new boiler, the extension — moves the number within the band those three set.
That is why two identical houses in different school catchments sell for very different amounts, and why a beautifully renovated house on a busy road still hits a ceiling.
Why online estimates disagree with each other
Automated valuation models read public records and recent sales. They cannot see a new roof, a damp problem, or a kitchen from 1994, and in areas with few sales they have little to work with.
Treat any automated figure — including this one — as a starting range. Errors of 5% to 10% are normal, and larger in rural or unusual markets.
Equity is not the same as cash
Equity is value minus what you owe. Cash from a sale is equity minus commission, transfer taxes, repairs the buyer negotiates, moving costs and any payoff penalty.
The gap between the two is commonly 8% to 10% of the sale price, which is why selling a house you have owned two years rarely leaves a profit even when prices have risen.
Frequently asked questions
One email with the download. No spam, unsubscribe any time.
More "what's it worth?" estimators
What's my car worth?
Estimate today's value, trade-in gap and whether you are underwater.
What's my net worth worth?
Add what you own, subtract what you owe, compare with your age group.
What's my 401(k) worth?
Project the balance and the retirement income it would support.
What's my college degree worth?
Compare lifetime earnings against the total cost of the degree.
What's my dollar worth?
See what an old amount is worth now, and what today's money loses.
What's my time worth?
Work out your real hourly rate after tax, commuting and work costs.