Housing calculator

Home repair vs. sell calculator

Is it worth fixing up before listing, or should you sell as-is and let the buyer handle repairs?

Compares net proceeds Includes ROI by repair type
Enter your numbers Housing · 2026
Net benefit of repairing first
+$1,200
vs. selling as-is
✓ Repairing is worth it
Net proceeds: as-is
Net proceeds: repaired
Repair ROI

How to read your results

This calculator compares your net proceeds in two scenarios: selling as-is right now at the lower value, versus paying for repairs, holding the property a few extra months (incurring carrying costs), and selling at the higher post-repair value.

The math only favors repairing when the value increase exceeds the repair cost plus the carrying costs incurred during the renovation period.

Not all repairs are equal: Kitchen and bathroom updates, fresh paint, and curb appeal improvements tend to return 70-100%+ of their cost in added value. Major structural repairs (roof, foundation, HVAC) often only return 50-70% of cost in added value — but their absence can scare away buyers entirely or trigger inspection-related price renegotiation, which has its own hidden cost.

What this calculator doesn't include

  • Buyer pool effects — homes needing major repairs attract fewer buyers and often sell for less than the "as-is value minus repair cost" math suggests, due to buyer risk aversion.
  • Inspection renegotiation risk — selling as-is often leads to buyers requesting price reductions or credits after inspection, which can exceed your original repair cost estimate.
  • DIY savings — if you can do some repairs yourself, your actual cash cost may be much lower than contractor quotes.
  • Market timing — in a fast-moving seller's market, speed to market (selling as-is sooner) sometimes outweighs maximizing sale price.

The "fix the cheap stuff, skip the expensive stuff" strategy

A common approach: complete low-cost, high-ROI repairs (paint, landscaping, deep cleaning, minor fixes) while selling as-is for major structural items, often with a credit to the buyer instead of doing the repair yourself. This captures most of the upside without the carrying cost and risk of large renovation projects.