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Real estate appreciation is the increase in property value over time. Historical appreciation rates in the US average around 3–4% per year, though local markets vary widely. This calculator projects your future home value using compound appreciation, then estimates your equity position after accounting for the outstanding loan balance and transaction costs.
Review the inputs carefully and treat the output as an estimate. For decisions involving money, taxes, health, law, or security, compare the result with trusted professional guidance when needed.
What is a realistic appreciation rate?
The US national average is roughly 3–4% annually over long periods, but hot markets can see 8–10% or more in boom years. Using 3% is a conservative baseline for planning purposes.
Does this account for selling costs?
This calculator focuses on appreciation and equity. Real-world sale costs (agent commissions, closing costs, taxes) typically run 6–10% and should be deducted from your projected proceeds.
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