Plusvalía de propiedad
How to Use This Property Appreciation Calculator
This calculator projects a home’s future value under different annual appreciation rate scenarios, then nets out estimated selling costs and remaining mortgage balance to show the real equity gained.
How It’s Calculated
Future Value = Current Value × (1 + appreciation rate)^years Net Equity = Future Value − Remaining Mortgage − Selling Costs
The headline appreciation figure is only the starting point — the net equity line shows what you actually walk away with after costs.
Example
A $500,000 home appreciating at 3% per year is worth about $671,000 in 10 years, but after a 5% selling cost and remaining mortgage payoff, the actual equity gained is meaningfully lower than the headline appreciation number.
Frequently Asked Questions
What’s a realistic home appreciation rate to assume?
Long-run averages in most North American markets sit around 3% to 4% annually, though this varies significantly by city and time period, so using a range rather than a single number is safer.
Does appreciation account for renovations?
Base appreciation projections assume no major renovations. Value-add work like kitchens or additions should be modeled separately, since they don’t scale with the base rate.
Is home appreciation taxed?
In the US, primary residence capital gains up to $250K single or $500K married are typically exempt. In Canada, principal residences are generally exempt from capital gains tax entirely.