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Decision Tools

Stay vs. Sell Calculator

Compare the costs of staying in your home against selling.

Your estimate

Estimated net proceeds if you sell

$518,000

Cost to stay over 10 yrs

$216,000

Cost after moving over 10 yrs

$312,000

Proceeds remaining after moving costs

$422,000

Compared against staying; excludes home appreciation and taxes.

Money is only part of this decision — health, family and community matter too.

What this calculates

Compares estimated costs of staying over a time horizon against net proceeds and costs of selling and moving.

Assumptions & methodology

  • Selling costs default to a typical percentage; adjust to your market.
  • Results are estimates based on the figures you enter and simplified assumptions.
  • Taxes, fees, rates and individual circumstances can change real outcomes.

Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.

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