How Much Will My House Be Worth in 10 Years?

Curious about your home's value in a decade? Keep on reading as we dive into the factors that influence your house's worth in 10 years

Real Estate
January 12, 2024
How Much Will My House Be Worth in 10 Years?

The promise of future equity is the draw for many people to purchase homes. So, after a few years of challenging homeownership, it’s natural to wonder how much your investment will be worth later on. 

You might wonder: how much will my house be worth in 10 years or more?

Both current and future home value depends upon external factors, like the current housing market, and ownership factors, like how much you update and maintain your home. Let’s take a closer look. 

Factors That Can Influence Your Home Value

First, let’s unveil the ingredients in the recipe for calculating your home value. Your home’s future value will be most influenced by: 

  • Location – Your home’s location is important at multiple levels, in relation to population density, housing availability, job prospects, desirability of climate, school district, neighborhood, safety, and so on. Consider what kinds of changes your neighborhood might go through in the next 10 years that could render it more attractive to future residents, like more parks, walking trails, or shops.
  • Average interest rates – The average 30-year fixed-rate mortgage hit 7.79% in 2023, a huge jump from the all-time low of 2.65% in 2021 or even the 4% average of most of the preceding 10 years.1 When average interest rates are higher, future homebuyers can afford to pay less when buying a house like yours.
  • Supply and demand – Will you have competing offers from 10 prospective buyers, or will your house be competing with 10 other similar homes for one buyer? Simple supply and demand is one of the most important factors in home value. This will depend on the rate of new construction, the number of active buyers in a market, the quantity of houses listed at a given time, and much more. 

How to Calculate Home Value in 10 Years

Start by identifying the current value of your home. This can be from a recent appraisal or purchase, but the easiest method is to check with a few online home valuation calculators and average their results. 

Next, you need to estimate an annual rate of appreciation. A 2019 report showed that  nationwide home appreciation averages 3.8% per year in the United States.2 With the sharp increases in the intervening years, a reset to 4% is realistic for calculation purposes—or you can plug in a more localized growth percentage (check with the Realtors’ Association in your state or city, or use the FHFA House Price Calculator).3

Plug these numbers (current property value and the appreciation rate) into a Future Value Calculator, set the period to 10 years, and you’ll get at least an idea of how much your home will be worth in 10 years.4

Based on the number you get, you may find yourself considering: Should I sell my house now or wait?

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4 Strategies to Increase Home Value

Sure, much of your home’s future value depends on external factors outside your control. But you can influence your home’s value in some ways. 

Follow these four steps to keep your home attractive to a potential buyer in the future.

#1 Maintain

Keep your property in good condition, both inside and out. Get systems and appliances serviced promptly and follow a home maintenance checklist. You can also start with the guidance in a manual prepared by a thorough home inspector.5

#2 Enhance 

Don’t let two decades pass by without reconsidering that family room wallpaper or finally finishing your basement. In addition to general maintenance, make conservative, well-researched decisions on enhancing your home through useful features, added finished square footage, and contemporary cosmetic updates. Exterior enhancements such as landscaping can also go a long way in increasing curb appeal. Not only can these enhancements attract future buyers, but they also increase your home’s value.

#3 Invest Wisely

Your home is your castle, and you should enjoy living in it. With that being said, consider future property value impact as you budget your time and money over the years, especially if you plan to customize a home to your unique style. While you may dream of reconstructing the Captain’s bridge of the Star Trek Enterprise in your family room, your future selling agent might advise against it. 

#4 Monitor Real Estate Market Trends

House prices in the U.S. increased over 18% in 2021—a steep jump on the Freddie Mac House Price Index record.6 The rates of popular cities and destinations rose even higher, and listed properties entered bidding wars from buyers clamoring for limited-inventory homes amidst extremely low interest rates. 

If economic or local conditions change quickly, how prepared will you be to take advantage of an opportunity? Stay up to date on real estate market changes that may impact your home value in either direction. Following the steps above while monitoring market conditions can help you make informed decisions about your home.

Unlock Your Equity with a Sale-Leaseback

It can be difficult to time an exit strategy from your property when the decision affects your wealth and security and provides a roof over your family’s heads. If you want to capitalize on your home equity now, consider a sale-leaseback. 

Instead of a traditional listing (the for-sale sign in the yard followed by a fleet of moving vans), you can separate the timing of property sale and home relocation. 

With Truehold's sale-leaseback, we’ll buy your home at a competitive price and you can still remain in your home as a renter. You’ll sign a lease at closing that includes the right of occupancy based on an agreed-upon rent rate with a 6-month minimum stay. 

Ready to learn more? Contact us today at (314) 353-9757 and an advisor will reach out to share more about the Truehold sale-leaseback process.


  1. FRED.  30-Year Fixed Rate Mortgage Average in the United States.
  2. Norada. Average Home Appreciation Over 30 Years: How to Calculate?
  3. Federal Housing Finance Agency. FHFA HPI CALCULATOR.
  4. Omni Calculator. Future Value Calculator.
  5. Bankrate. Home maintenance checklist for every season.
  6. Statistica. Freddie Mac House Price Index price appreciation from 1990 to 2023.
Lucas Grohn headshot
Written by
Lucas Grohn
Senior Manager of Sales at Truehold - A Thought-Leader in Real Estate
Lucas Grohn brings over a decade of real estate expertise to his role, where he guides a team dedicated to innovative sales strategies. Known for his thought leadership and diverse experience, from managing brokerage operations to training agents at top firms, Lucas covers a broad span of real estate content for Truehold.
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Truehold's blog is committed to delivering timely and pertinent insights in real estate and finance, purely for educational and informational purposes. Crafted by experts, our content is thoroughly reviewed to guarantee its accuracy and dependability. Although designed to enlighten and engage, our articles are not intended as financial advice and should not be the sole basis for financial decisions. Our stringent editorial practices ensure the integrity of our content, empowering our readers with valuable knowledge.

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