Property Appreciation Calculator

How it works

Future value = current value × (1 + rate)^years · Total gain = future value − current value

Real estate appreciation compounds: each year's growth builds on a larger base, so a home worth $350,000 growing 4% a year gains more dollars in year ten than in year one. This is the same exponential math as compound interest applied to property value. Long-run U.S. home prices have historically appreciated a few percent above inflation, but appreciation is not guaranteed — local markets can stagnate or fall for years, and the rate you enter is an assumption, not a promise. Use conservative figures and remember this projects gross value, not the leverage, costs or rental income that also shape a property's total return.

Worked example

A $350,000 home appreciating 4% annually is worth 350,000 × 1.04^10 = about $518,000 after ten years — a $168,000 gain, or 48% total growth. At 6% it would reach roughly $627,000, showing how sensitive the long-run result is to the assumed rate.

Frequently asked questions