A lot of people are asking the same question right now: “Is it even a good time to sell my home?”
And the truth may surprise you…
For many homeowners, the answer is a strong yes.
Why? Because of one major factor working squarely in your favor: your home equity. If you’ve lived in your house for a while, you likely know you have equity — but most homeowners have far more than they realize. And that number could completely change what’s possible for your next move.
The Hidden Wealth of Homeownership
When you own a home, you’re building something powerful: equity.
Here’s how it grows:
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Each mortgage payment lowers your loan balance, increasing how much of the home you truly own.
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Home prices typically rise over time, increasing the market value of your property.
Put those two together, and you’re building wealth automatically — month after month, year after year.
And if you’ve lived in your home for a long time, this effect compounds in a big way. According to Realtor.com:
“Nearly half (45.2%) of today’s homeowners have lived in their home for more than 15 years, and 1 in 4 for over 25 years.”
If that’s you, think about what 15–25 years of payments plus long-term home price appreciation have done for your bottom line.
It might be more than you think.
What That Really Means in Dollars
Using research from Realtor.com, here’s an estimate of how much equity homeowners have accumulated depending on when they purchased a median-priced home:
| When You Bought | Estimated Equity Today |
|---|---|
| Mid-1990s | $400,000+ |
| Early 2000s | $330,000+ |
| 2015 | Nearly $285,000 |
Of course, your actual number depends on factors like your purchase price, improvements you’ve made, and your down payment. But the bigger picture is unmistakable:
Many homeowners are sitting on hundreds of thousands of dollars in home equity — often without realizing it.
And that equity could make your next move easier, more affordable, and more achievable than you think.
How Your Equity Could Power Your Next Move
Here’s where things get exciting. Your equity has the potential to offset almost every concern you may have about selling right now.
1. Worried About Higher Mortgage Rates?
Your equity could fund a large down payment, reducing how much you need to finance — or even helping you secure a better interest rate.
2. Concerned About Competing in Today’s Market?
In some cases, homeowners can use their equity to buy their next home in cash. Cash offers are extremely attractive to sellers because there’s no risk of financing falling through.
3. Need More Space, Want To Downsize, or Crave a Lifestyle Change?
Your equity could make those transitions smoother and financially feasible.
Bottom Line: Your Equity Could Change Everything
If you haven’t had a professional evaluate your home’s worth recently, now is the perfect time to get clarity.
It doesn’t mean you have to sell — but it does mean knowing what you’re working with and how far that equity could take you.
A local real estate expert can prepare a custom home-value and equity assessment so you can make the most informed decision possible.
Considering a move? Start by understanding your equity. It might just open the door to your next big opportunity.
