Guide
How Much Equity Do I Have in My Home?
Estimate home equity using a regional appreciation estimate and your current mortgage balance.
Last updated 2026-06-18
A simple equity estimate
Estimate your current home value, then subtract what you currently owe. The calculator can help estimate the value side by applying regional FHFA HPI® movement to your original value.
For example, a purchase price can be adjusted by the index change from the purchase quarter to the latest imported quarter.
When you need more precision
Use a local agent, appraiser, lender valuation, or comparable-sale review when the number will drive a refinance, sale, estate, tax, or legal decision.
The regional estimate is most useful for screening whether equity likely changed enough to justify the next step.
Look up your ZIP3 region
Enter a ZIP code or the first three digits to open the matching regional trend page.