Future property value at a growth rate. The Property Appreciation Calculator takes current value, annual appreciation, years and returns future value plus total appreciation, total growth. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Property returns depend on assumptions about rent, occupancy, costs and appreciation that are easy to make optimistic. Enter conservative figures and remember that transaction costs, taxes and vacancy periods are real. Use the worked example below to check the maths against your own figures.
How the Property Appreciation Calculator works
Property prices compound like any other growth rate. Five percent a year for ten years is 63% in total; check the assumption against your city's long-run history rather than recent years alone.
Worked example
With the example values (current value of $300,000, annual appreciation of 5%, years of 10 years), the future value is $488,668.39; total appreciation $188,668.39, total growth 62.89%. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
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Frequently Asked Questions
How is future value calculated?
future value = current value × (1 + rate)years.
Which figures do I need?
Current value, annual appreciation, years. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Which costs are easy to forget?
Vacancy periods, maintenance, property tax, insurance, brokerage on purchase and sale, and stamp duty. Include them for a realistic return.
