Home Appreciation: $400,000 House at 5% Per Year
A $400,000 home appreciating at 5% per year will be worth about $1.03 million in 20 years.
How to use this tool
- Enter current home value, annual appreciation rate and years in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your projected future value and the full breakdown beneath it.
Higher appreciation markets like major metros can double your home value in under 15 years.
Frequently asked questions
- What is a realistic appreciation rate?
- The long-run US national average is around 3–4% per year. Hot coastal markets have historically exceeded 6%, while some rust-belt markets have lagged inflation. Use your local market's historical data for a better estimate.
- Does this account for renovations or maintenance?
- No — this is a simple price-appreciation model. Major renovations can add value but typically return 60–80 cents per dollar spent.