What Is Your Home Worth in 2026?
Q: What's your equity really worth once the carrying costs are counted? Get a broker's honest answer, not just a number, from Keith Jones Sr.
Frequently Asked Questions & Local Intelligence
Q: The report shows equity — does that mean I can walk away with that much cash?
A: Not quite, and this is the step I see skipped most often. An equity estimate is just value minus mortgage balance. It doesn't yet account for a CDD assessment balance if the property carries one, closing costs, or any repairs a buyer's inspector will ask you to address. If a CDD bond is attached to the property, it finances community infrastructure over decades — typically set by the district’s bond schedule on the properties I've reviewed — and appears on the tax bill on top of any HOA dues. I pull the actual figure for your address before I let a seller plan around a net number.
Q: My equity is thinner than I expected. Am I stuck?
A: Not necessarily, but it changes the conversation, and it's exactly the situation I train other agents to handle carefully rather than push past. If a sale at market value wouldn't clear the mortgage and closing costs, we look at the options honestly — timing the sale differently, or, if the numbers are genuinely underwater, a short-sale process. I'm a state-approved instructor on that exact topic because too many sellers find out too late that "just list it" wasn't the right answer for their situation.
Q: How fast can I actually get a number I can rely on?
A: Submit the address above and I'll follow up personally, not with an automated estimate alone. A desktop figure is a starting point; I still want to see the property, or at least recent photos and any permit history, before I put a number in front of a seller who may be making a major financial decision on it.
Q: I'm an investor comparing this property against renting it out — does equity even matter?
A: It matters for your exit options more than your monthly cash flow. Equity determines whether you can refinance to pull cash out, sell without bringing money to closing, or hold through a downturn without being forced to sell at the wrong time. I run that comparison with investor clients before they decide which lever to pull.