Home Appreciation Calculator
Estimate your home's future value based on purchase price, annual appreciation rate, and holding period.
Future Home Value
Home appreciation uses compound growth to project future property value.
Future Value = Purchase Price × (1 + Annual Rate)^Years
Total Gain = Future Value − Purchase Price
Historical US home appreciation:
- National average (1991–2024): ~3.8%/year
- Post-2020 average: ~8–12%/year (unusually high)
- Long-term sustainable rate: 3–5%/year
Appreciation by market type:
- Hot urban markets: 5–8%/year
- Suburban: 3–5%/year
- Rural: 2–3%/year
Factors that increase appreciation:
- School district quality
- Proximity to employment centers
- New infrastructure (transit, highways)
- Neighborhood revitalization
Important: Past performance doesn’t guarantee future appreciation. Real estate can also depreciate.