{"id":71544,"date":"2026-03-04T09:21:28","date_gmt":"2026-03-04T17:21:28","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=71544"},"modified":"2026-03-04T09:19:44","modified_gmt":"2026-03-04T17:19:44","slug":"home-appraisal-cost","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/home-appraisal-cost\/","title":{"rendered":"How Much Does a Home Appraisal Cost?"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Key takeaways<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home appraisals are an unbiased, professional opinion about a home\u2019s market value.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A home appraisal can cost anywhere from $300 to $2,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costs fluctuate depending on the home\u2019s size, location, features, and available comps.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As you begin the closing process, you\u2019ll reach the step of getting a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-appraisal\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home appraisal<\/span><\/a><span style=\"font-weight: 400;\">. If you&#8217;re a buyer, the home appraisal is a crucial part of the process, especially when applying for a mortgage. On top of the other costs of buying a home, you may be wondering \u2013 how much does a home appraisal cost?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Redfin article, we\u2019ll answer your questions about home appraisal costs, what factors can influence the cost, and who pays for a home appraisal. Whether you\u2019re buying a <\/span><a href=\"https:\/\/www.redfin.com\/city\/16904\/CA\/San-Diego\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in San Diego, CA<\/span><\/a><span style=\"font-weight: 400;\">, or a <\/span><a href=\"https:\/\/www.redfin.com\/city\/1826\/MA\/Boston\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">townhouse in Boston, MA<\/span><\/a><span style=\"font-weight: 400;\">, here\u2019s what you need to know about appraisal costs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much does a home appraisal cost?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A typical home appraisal can range from $300 to $600, and up to $2,000 for larger homes. According to an <\/span><a href=\"https:\/\/www.angi.com\/articles\/how-much-does-home-appraisal-cost.htm\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">October 2025 study by Angi<\/span><\/a><span style=\"font-weight: 400;\">, the average home appraisal costs $358. However, the cost of your home appraisal will depend on the type of appraisal you need, how big the home is, and what state you live in, among other factors.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who pays for a home appraisal?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Buyers typically pay for the home appraisal as part of the closing costs. The buyer\u2019s lender will request the appraisal and choose the appraiser. In some cases, buyers may be able to negotiate for the seller to pay for the appraisal as part of <\/span><a href=\"https:\/\/www.redfin.com\/blog\/seller-concessions-101\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">seller concessions<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">7 factors that influence the home appraisal cost<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before you have a home appraised, there are several important factors that can affect the cost. Let\u2019s take a look at what can impact costs:\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Property type<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The type of property you buy influences the cost of your home appraisal. For example, an appraisal for a two-bedroom home will generally be less expensive than a property with multiple bedrooms, a finished basement, and an attic. Additionally, if you plan to use the home as a rental property, the appraiser will require a rent survey and an income statement, which may increase the cost.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. The home\u2019s location<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">How far does the appraiser need to travel to conduct the appraisal? Driving times and mileage are all accounted for in the cost. You should expect to pay more for your home appraisal if the house is located out of town. If you\u2019re located in a popular area with additional demand for appraisers, you may also pay more.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Local market conditions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The local housing market can also affect the home appraisal cost. If home sales are rising, then costs could increase due to demand. If there are fewer homes selling, then appraisal costs could drop slightly.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/home-closing-costs-by-state\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">some states have higher home appraisal costs<\/span><\/a><span style=\"font-weight: 400;\"> than others. For example, Alaska and Washington have the highest average costs at $784 and $728, compared to Illinois and Connecticut, with average costs of $448 and $465.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Size, lot, and features<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A home\u2019s general value impacts the cost of the appraisal. As a rule of thumb, the larger the home, the more expensive the appraisal. A larger home will take more time to evaluate and usually results in a more extensive report. As a general reference point, properties priced at or less than $500,000 will typically have an appraisal cost at the lower end of the range.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Availability of comps<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your home is located in a more rural area or you have unique home features that stand out from nearby properties, your appraisal may cost more. The appraiser may need to spend more time finding comparable homes to complete the appraisal, driving up costs.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">6. Loan type and mortgage requirements<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Depending on the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/types-of-mortgage-loans\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">type of mortgage<\/span><\/a><span style=\"font-weight: 400;\"> you\u2019ve applied for, it may result in a more costly home appraisal. If you plan on getting a conventional mortgage loan to purchase your new home, an appraisal will most likely be a non-negotiable requirement from your lender.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mortgages that involve a federal agency, such as the Federal Housing Administration (FHA), require an appraisal to include additional safety inspections, resulting in a higher cost. Make sure to ask your lender ahead of time what to expect for the home appraisal cost, so you can set aside enough funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you can expect from different mortgage loans:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>FHA loans:<\/b><span style=\"font-weight: 400;\"> Angi reports it typically ranges from $300 to $700, although there\u2019s no set limit for how much these appraisals can cost. FHA loans require additional safety inspections during the appraisal process and must meet <\/span><a href=\"http:\/\/www.hud.gov\/program_offices\/housing\/rmra\/mps\/mpshome\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">HUD property standards<\/span><\/a><span style=\"font-weight: 400;\"> such as structural soundness, safety, and livability.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>VA loans: <\/b><span style=\"font-weight: 400;\">VA appraisals typically cost between $500 and $1,500, but this varies by region and home size. There may also be additional fees, which you can find listed on the <\/span><a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/appraiser_fee_schedule.asp\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">VA appraisal fees page<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USDA loans:<\/b><span style=\"font-weight: 400;\"> As of May 2025, the <\/span><a href=\"https:\/\/www.rd.usda.gov\/media\/file\/download\/rdul-appraisal-fee-fy-2025.pdf\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">USDA appraisals<\/span><\/a><span style=\"font-weight: 400;\"> cost a flat fee of $775 for single-family homes.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">7. Type of appraisal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The type of appraisal can also determine how much it costs. Your lender will choose the type of appraisal they need to finalize your loan, which depends on your loan\u2019s requirements, your qualifications, and market conditions.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Types of home appraisals<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are several types of home appraisals, and some are more common than others. Let\u2019s explore them and how much they roughly cost:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Uniform Residential Appraisal Report (URAR)\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is the most common type of home appraisal, and lenders usually require a URAR before approving your mortgage. It typically costs between $350 and $600. A trained and certified appraiser carefully reviews both the home\u2019s interior and exterior, giving you a detailed report breaking down the home\u2019s value.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Drive-by appraisal, restricted-use, or short-form report<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This type provides less information than other appraisals and is generally less expensive, around $100 to $150. However, lenders often don\u2019t accept this appraisal for a mortgage approval, as the appraiser only evaluates the outside of the house and relies on the owner to provide additional details about the property.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Hybrid appraisal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Hybrid appraisals combine in-person and online assessments, typically costing between $250 to $375. A third-party, sometimes a <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\">, will view the home in person and write out information about the house. They submit the information to the appraiser, who will use that data in addition to listing photos to determine the home\u2019s value.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Desktop appraisal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A desktop appraisal is similar to a drive-by appraisal, except that the appraiser never visits the home. It usually costs between $75 and $200. They use publicly available information, such as property records, listing photos, and property tax records to appraise the home.<\/span><\/p>\n<p><b>Note<\/b><span style=\"font-weight: 400;\">: In most cases, the URAR is the only accepted appraisal method. The other options are typically not considered sufficient to obtain a conventional loan, but there are reasons why you may want one of these appraisals. Your lender will determine if any of the other appraisals are sufficient.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">FAQs about the home appraisal process<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is a home appraisal and why does it matter?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A home appraisal is an unbiased determination of a home\u2019s value. The appraiser will generate a report that helps lenders decide an appropriate amount to lend to a potential homebuyer to purchase that property. State-certified professionals conduct appraisals to safeguard both buyers and lenders against inflated property valuations.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who chooses the appraiser?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your mortgage lender will often choose or recommend from a list of preferred appraisers, chosen for their track records as reliable, high-integrity professionals. As the buyer, you\u2019ll have to pay the appraisal cost, which is usually a fee added to your closing costs. However, your lender should inform you how much the appraisal will cost.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What\u2019s the difference between a home inspection vs a home appraisal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/guides\/home-inspection\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home inspection<\/span><\/a><span style=\"font-weight: 400;\"> differs from a home appraisal in that it\u2019s an in-depth inspection of the home\u2019s condition. A home inspector checks for structural damage, hazards like water, termite, or mold damage, and other issues with the property. A home appraisal determines the home\u2019s overall value based on its characteristics, condition, and nearby properties.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need both a home inspection and a home appraisal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Both are important in the homebuying process as an inspection ensures that you\u2019re not buying a home with major issues, while an appraisal ensures you&#8217;re not paying more than the home\u2019s worth.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can you lower the cost or get a free home appraisal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can\u2019t negotiate the cost of a home appraisal, as it\u2019s your lender who chooses the appraisal company. However, you can shop around for a <\/span><a href=\"https:\/\/bayequityhomeloans.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">mortgage lender<\/span><\/a><span style=\"font-weight: 400;\"> who offers a competitive appraisal cost. You can also consider negotiating with the seller to include the appraisal cost as part of seller concessions. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How much does a home appraisal cost? Find out who pays for the appraisal, how much you&#8217;ll pay, and factors that influence the cost.<\/p>\n","protected":false},"author":537,"featured_media":88011,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276,10756],"tags":[34529,34617,34669],"coauthors":[33440],"class_list":["post-71544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","category-featured-post","tag-buying-faq","tag-home-buying-process","tag-selling-prep"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Much Does a Home Appraisal Cost? | Redfin<\/title>\n<meta name=\"description\" content=\"How much does a home appraisal cost? 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