Home Value Estimator: Richmond, VA
What's your Richmond home worth? Get a free estimate from recent Richmond sales, then see your net proceeds after selling.
Home value
$400,000
Mortgage
$0
Your equity
$400,000
Principal balance on your latest mortgage statement.
Put your equity to work
Cash out & stay
Cash-out refinance, up to
$250,000
Keep your home and borrow up to 80% of its value with a ZERO Closing Costs cash-out refinance, or up to $250,000 with a home equity loan (85%).
- 80% of value$320,000
- Less your mortgage$0
- Cash-out refinance (80%)$250,000
- Home equity loan (85%)$250,000
For amounts from $50,000 to $250,000. Your rate and approval depend on credit and income.
Buy your next home
Down payment available
–
Your estimated net proceeds from selling, as a down payment, subject to approval.
- Down payment from your sale–
- ZERO Closing Costs–
- Realty Purchase Credit–
Savings are for a next home at the same price, with 20% down and a 30-year fixed CapCenter mortgage.
Sell your home
Estimated net proceeds
–
After a 1% Listing Fee (with buy), the 3% buyer's agent fee, other selling costs and your mortgage payoff.
Estimates only. Not an appraisal, an offer to buy your home or a commitment to lend. The home value is the value entered ($400,000) with a $0 mortgage. Net proceeds assume a 1% Listing Fee when you buy and sell with CapCenter (1.5% sell only), a 3% buyer's agent fee and typical attorney, termite and grantor's tax costs. Down payment available is your estimated net proceeds; the loan amount you qualify for depends on credit, income and approval. Cash-out figures use up to 80% of value for a cash-out refinance and 85% for a home equity loan, less your mortgage, for amounts from $50,000 to $250,000. ZERO Closing Costs and the Realty Purchase Credit vary by loan and location. Restrictions apply. Standard listing fees are 1.5%. List your home with 1% listing fees when you buy and sell within 1 year with CapCenter. All values within this tool are estimates and are meant for informational purposes only. Actual amounts may vary. See the Terms & Conditions for details and restrictions. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender.
Richmond market snapshot
What Richmond homes are selling for.
The median Richmond home that closed in the last 90 days sold for $385,000, 49 days after it was listed.
Updated October 31, 2026
Homes with a Richmond, VA address in our MLS data. "Closed" means a recorded sale with a close date in the last 90 days. Figures are medians. See Richmond, VA homes for sale.
The bundle
Sell and buy with CapCenter.
Selling and buying your next home is where the savings add up. Three pieces stack:
1% listing fee
List for 1% instead of a typical 3% when you buy and sell within one year with CapCenter.
ZERO Closing Costs
Finance your next home with CapCenter and we waive closing costs like origination, appraisal and title fees.
Realty Purchase Credit
Buy your next home with a CapCenter REALTOR® and get a credit of up to 0.5% of the purchase price at closing.
Worked example
$385,000 sale + $385,000 purchase| Savings | Estimate |
|---|---|
| Listing savings (1% vs 3%) | $7,700 |
| ZERO Closing Costs | $5,042 |
| Realty Purchase Credit | $1,925 |
| Estimated total savings | $14,667 |
Estimate for a $385,000 sale and a $385,000 purchase in Richmond, VA with 20% down and a 30-year fixed CapCenter mortgage. 1% listing fee when you buy and sell within one year with CapCenter.
How it works
How we estimate your home's value.
We start from what homes like yours actually sold for in Richmond, then show a range so you can see how much room the market gives you.
- STEP 1
Recent nearby sales
We compare your home with similar homes that sold near you, adjusting for size, bedrooms, bathrooms and age from property records.
- STEP 2
A low, median & high value
The median is our best single estimate. Low and high show the range similar homes sold within. Choose Custom to enter your own number.
- STEP 3
What you would take home
Add what is left on your mortgage and choose sell + buy (1%) or sell only (1.5%). We subtract the fees and your payoff to show your net proceeds.
Our clients have spoken
65,000+ clients since 1997.
Frequently asked questions
Richmond home value questions.
$385,000 for homes with a Richmond, VA address that closed in the 90 days to October 31, 2026 (777 sales), from CapCenter's MLS data.
The median Richmond home that closed in the last 90 days took 49 days from listing to closing, which includes the time under contract. 703 homes were for sale on October 31, 2026.
The median closed sale went for 100% of its final list price, and 61% of homes closed at or above their final list price in the last 90 days.
On a $385,000 sale, a 1% CapCenter listing fee (when you also buy with us; 1.5% to sell only) is $3,850, compared with $11,550 at a typical 3%. Sellers commonly also pay a buyer's agent fee and closing items such as attorney fees and taxes. The calculator above shows each line.
It's a good starting point because it's built from recent Richmond sales. It can't see renovations or condition, so ask a CapCenter listing agent for a comparative market analysis before you set a price.
It depends on whether you want to move. Selling turns your equity into cash and pays off your mortgage, but you pay selling costs and need somewhere to live next. A home equity loan or a cash-out refinance lets you stay and borrow against your equity, which you repay with interest. Compare your net proceeds with what you could borrow, then talk to us about either one.
Near you
More home values by city.
Local estimates and recent sale prices in our other real estate markets.
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Maryland
Washington, DC
Selling in Richmond? Keep more of your sale.
List for 1% when you buy & sell with CapCenter.
Market figures are calculated by CapCenter from MLS listing data, updated October 31, 2026. They are estimates, not an appraisal.
All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listings. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are © 2026 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.
The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. © 2026 Bright MLS, Inc.
© (2026) REIN Inc. Information Deemed Reliable but Not Guaranteed. The listings data displayed on this medium comes in part from the Real Estate Information Network Inc. (REIN) and has been authorized by participating listing Broker Members of REIN for display. REIN's listings are based upon Data submitted by its Broker Members, and REIN therefore makes no representation or warranty regarding the accuracy of the Data. All users of REIN's listings database should confirm the accuracy of the listing information directly with the listing agent.
Also includes listings from CharlottesvilleVA. Information deemed reliable but not guaranteed.