Recent Blog Post
How Your Equity Can Grow over Time
Recent Blog Post
It’s true that record levels of home price appreciation have spurred significant equity gains for homeowners over the past few years. As Diana Olick, Real Estate Correspondent at CNBC, says:
“The stunning jump in home values over the course of the Covid-19 pandemic has given U.S. homeowners record amounts of housing wealth.”
That’s great for your home’s value over the last couple of years, but what if you’ve lived in your home for longer than that? You may be wondering how much equity you truly have.
The National Association of Realtors (NAR) has done a study to calculate the typical equity gains over longer spans of time. The data they compiled could be enough to motivate you to move. Just remember, to find out how much equity you have in your specific home, you’ll want to get a professional equity assessment from a trusted real estate advisor.
Let’s start by establishing how you build equity in your home. While price appreciation is clearly a factor that can help boost your equity, you also build equity over time as you pay down your home loan. NAR explains:
“Home equity gains are built up through price appreciation and by paying off the mortgage through principal payments.”
The study from NAR breaks down the typical equity gain over time (see graph below). It calculates the equity a homeowner potentially gained if they purchased the median-priced home 5, 10, or 30 years ago and still own it today.
These six-figure numbers are impressive and certainly enough to help you fuel a move into your next home, but they’re not a promised amount. Remember, your own equity gain will be different. It depends on how long you’ve been in the house, your home’s condition, any upgrades you’ve made, your area, and much more.
If you want to find out how much equity you have, partner with a trusted real estate professional in Silicon Valley for an equity assessment on your home. They can provide an expert opinion on what your house is worth today and how the equity you’ve gained over time can help you when you purchase your next home. It may be some (if not all) of what you need for your next down payment.
If you’re thinking about selling your house and making a move, home equity can be a real game-changer, especially if you’ve been in your current home for a while. If you’re ready to find out how much equity you have, let’s connect.
San Jose
How momentum, pricing, and presentation shape early results.
Seller Tips
What homeowners worry about most before they list.
Buyer Resources
A smarter way to compete in Cambrian, Willow Glen, and across San Jose.
Buyer Tips
Why ADUs are one of the strongest value-add moves for San Jose homeowners in 2026.
Seller Tips
The 5 Must-Haves: Positioning your home for move-in ready condition, flexible work space, and modern efficiency.
Seller Tips
Sharpen Your Strategy: How to achieve strong results even when buyers are cautious and inventory is rising.
Seller Tips
The Real Cost of Overpricing: Why your list price is costing you momentum and money.
Seller Tips
How video marketing helps Cambrian and Willow Glen sellers reach qualified buyers already interested in San Jose real estate.
Buyer Tips
Three proven strategies for Cambrian and Willow Glen homeowners navigating a same-time move with less stress and better timing.
We believe the process of buying or selling your home should be enjoyable as well as rewarding. Our commitment to our clients is to work hard and provide them with a hassle-free, fun experience. We know how to make this stressful time much easier with our professional expertise, marketplace knowledge, high-tech marketing strategies as well as our enthusiastic team spirit.