Private homeowner estimate
Should you keep or sell your property?
See whether selling or keeping your property makes more sense. If keeping wins, we'll also show whether living there or renting it out looks stronger.
Private, not shared in your browser
About 5 minutes to compare both paths
Private report preview
Recommendation: Keep
Best for cash now
Net proceeds
$412k
Best keep path
Rent it out
10-year keep value
$1.06m
Keeping may win overall, and if you keep it, renting looks stronger than continuing to live there full-time.
Plain-English take
Sell
What you'd actually net after taxes and selling costs.
Keep
Whether keeping it to live in or rent out makes more sense over time.
🇺🇸 US tax-aware estimate
🔒 Private, not shared
📊 Compare both paths
Free estimate, always.
Plain-English report: $9 one-time. Realtor plans available on the pricing page.
Step 1 of 6
Start with the property
We’ll use this to tailor the estimate and focus on the comparisons and tax rules that actually apply to your situation.
🔒 Private estimate only. Your numbers stay in your browser.
I live here now
Primary home
It's a rental
Income property
Second home / vacation home
Not my main home
💰 What's it worth?
$
A rough estimate is fine. Use a recent appraisal, local comps, or your best informed guess.
Please enter a property value to continue
$
Please enter your original purchase price
📋 Rental / Investment property: Primary-home tax breaks usually do not apply here. We’ll account for prior rental use and any extra tax details automatically in the final estimate.
🏖️ Vacation / Cottage: Second homes usually do not get the same primary-home tax break. We’ll estimate the sale assuming no main-home exclusion.
🏠
▾
Primary-home tax questions Add for more accuracy
Skip for now if you want a faster estimate. Expand this if you want us to sharpen the sell tax number.
If this was your main home, part of your profit may be tax-free when you sell. In many cases that is up to $250,000 of gain, or $500,000 if married filing jointly, as long as you owned and lived there for at least 2 of the last 5 years.
Why we ask: your filing status can change how much profit may be tax-free when you sell. A best estimate is fine.
yrs
Why we ask: living there long enough can reduce or eliminate sale tax if this was your main home. Enter 0 if it was always a rental or second home.
yrs
Why we ask: this helps us judge how long the property was yours and makes the tax estimate more realistic. Rough math is fine.
Why we ask: past rental use can change your sale tax estimate.
💡
This home-sale tax break applies only to a main home. Vacation homes and pure rentals usually do not qualify. We keep the technical rule details in the final breakdown and methodology.
Step 2 of 6
Your mortgage 💳
Check your latest mortgage statement — most of this is right on it.
📋 Loan basics
$
Why we ask: this affects how much cash you would actually unlock if you sold. Enter $0 if the home is fully paid off.
Enter your mortgage balance ($0 if it's paid off)
$
Why we ask: this helps compare your monthly ownership cost with the rental option.
%
yrs
$
Why we ask: this can reduce what you keep if you sell before the mortgage term ends. Enter $0 if your mortgage is open.
🧾 What you pay each month to own it
$
Why we ask: this is part of your true monthly cost to keep the home. Enter the annual bill ÷ 12 for now.$
$
$0 if not applicableStep 3 of 6
If you keep it 🔑
Use this to see whether keeping the property works better as a home you stay in or a property you rent out. Rough estimates are fine.
💵 If you rented it out
$
Why we ask: this tells us whether renting would actually create monthly income. We can estimate it from your address.
Enter an estimated rent, even a rough guess
%
Why we ask: even strong rentals are not occupied 100% of the time. If you do not know, use 3–5% for a tight market or 8–10% if you're less sure.
🔧 Monthly costs if you keep it as a rental
$
Why we ask: rent profit can disappear if upkeep is ignored. We start with a rough estimate and you can adjust it.$
Why we ask: this affects whether renting feels worth it after real-world management costs.$
Why we ask: renting often changes your insurance cost. Rough estimate is fine.Why we ask: if keeping only works by becoming a landlord, your comfort with that matters.
🏛️ A couple of quick ones
Some states and cities cap rent increases (NY, CA, OR, NJ). Check your local tenant rights authority to see if your property qualifies. New construction is often exempt.
Step 4 of 6
Where do values go from here? 📈
Set a rough annual appreciation rate for your market. This only affects the long-term comparison, and you can adjust it later.
Market outlook
📈 +4.0% / yr
Suggested starting point: +4.0% / yr
📉 −2%
🔥 10%
That puts this property at — in 10 years.
Step 5 of 6
If you sell 🏷️
What it would cost to sell and what you might owe in tax. We'll keep the one-time sell questions here and leave future planning for later if selling wins.
💸 Cost of selling
%
Typically 5–6% in the US, split between buyer's and seller's agents. Can sometimes be negotiated.$
Typically $1,500–$3,500 for title insurance, escrow fees, and attorney fees.$
Photography, staging, cleaning, etc. $0 if selling as-is.$
Only include one-time work you expect to do before selling.Step 6 of 6 — Last one!
Your monthly financial picture 💰
💡
Why this matters: these last questions make sure the keep-vs-sell decision reflects what feels realistic month to month, not just the spreadsheet.
🏦 Monthly affordability
Skip for now if you want. These numbers help us pressure-test whether keeping the property feels comfortable month to month, but you can still get a result without them.
$
Why we ask: this shows whether keeping the home would feel comfortable month to month. A rough number is fine.Enter household take-home income to continue$
Why we ask: this helps us judge how tight or flexible your monthly picture really is. Use $0 if none.Enter your other monthly debt payments ($0 if none)🎯 What matters most to you right now?
Skip for now if you want the math first. These only lightly tailor the recommendation.
💵
Need cash now
Liquidity matters right now
📬
Income from the property
If keeping works best, rental income matters
📈
Long-term wealth
Building equity over time is the priority
🧘
Simplify life
Less to manage and think about
🛡️
Stay in my home
Stability and staying put matters
📋
Minimize tax bill
Keeping IRS costs low is a priority