Property Valuation Guide: How to Determine Your Home Worth in 2026

Accurate property valuation is essential whether you're selling, buying, or applying for a loan against property. Here's how to determine your home's worth in 2026.

Valuation Methods

The three main approaches are: Sales Comparison Method (comparing with similar recent sales), Cost Method (land value plus replacement cost), and Income Method (for rental properties based on yield).

Key Factors Affecting Value

Location is paramount — proximity to schools, hospitals, metro stations, and commercial hubs. Other factors include property age, construction quality, floor level, carpet area, and legal clearances.

Online Valuation Tools

Several portals offer free property valuation estimates based on recent transactions and market trends. While useful for a ballpark figure, these should not replace professional valuation.

When to Get Professional Valuation

Always get a registered valuer's assessment for loan applications, legal disputes, insurance, and tax purposes. The fee is typically 0.1-0.5% of the property value.