What's Your Bay Area House Worth — and What Would You Walk Away With?
Two free calculators on one page: a home value estimate, and a sale proceeds calculatorthat shows the number actually reaching your bank account — with a cash-offer column beside it.
Sale Price Is Not Proceeds
Most online proceeds calculators subtract a commission and stop. Here is everything else that comes out between the sale price and your bank account.
Agent commission
Commonly 5-6% of the sale price. The single largest line, and the only one most calculators bother with.
Seller closing costs
Escrow, title, county transfer tax and a city transfer tax that varies enormously across the Bay Area, plus the natural-hazard report.
Repairs and prep
Paid up front, months before any money comes back — roof, paint, flooring, clear-out, landscaping, staging.
Buyer credits after inspection
The line nobody budgets for. It is negotiated after you are emotionally committed, which is exactly why it costs what it does.
Carrying costs
Mortgage, property tax, insurance, HOA and utilities for every month the house is being prepped, listed and in escrow.
Mortgage payoff
The full demand from your lender, including any second mortgage, HELOC or lien recorded against the property.
The full line-by-line version, with Bay Area city transfer-tax rates, is in our guide to how much it costs to sell a house in the Bay Area. The arithmetic behind the cash column is in how much cash home buyers actually pay.
How It Works
Three simple steps to find out what your home could be worth — and what you'd actually keep.
Enter Your Details
Property details for the value estimate, or your own figures for net proceeds. Takes 60 seconds.
See Both Numbers
What the house is worth, and what you'd actually walk away with — listing, and selling for cash.
Talk to Eugene
Get a precise, no-obligation cash offer from Eugene within 24 hours to check the estimate against.
Frequently Asked Questions
What is a home sale proceeds calculator?
It works out what actually lands in your bank account after a sale — sale price minus agent commission, seller closing costs, repairs and prep, any credits you give the buyer after their inspection, the carrying costs you pay while the house is listed, and your mortgage payoff. It is a different question from what the house is worth, and the answer is usually tens of thousands lower than people expect.
What costs come out of a home sale in California?
Agent commission (commonly 5-6%), escrow and title fees, county transfer tax plus a city transfer tax that varies enormously — Oakland and Berkeley are far above Hayward or San Jose — the natural hazard disclosure report, prorated property taxes, any HOA transfer fees, repair credits negotiated after the buyer's inspection, and the mortgage payoff. Repairs and prep before listing sit on top of all of that.
How accurate is this estimate?
The proceeds calculation is exact arithmetic on the figures you enter, so it is only as good as those figures — particularly the sale price and repair estimate. The value estimate uses Bay Area market averages to produce a general range. For a precise number, Eugene evaluates the property in person, considering its condition, neighborhood comps and current market conditions. That visit is free and comes with a firm cash offer.
How is the cash-offer column calculated?
With the same formula we publish openly: the fixed-up value, minus the repair cost, minus what we spend reselling the renovated house (commission, closing costs and several months of holding — around 10%), minus a minimum margin. That typically lands between 70% and 85% of the fixed-up value. It is an estimate from your numbers, not an offer on your house.
Why does the cash column sometimes come out higher?
Because the listing column has to absorb repairs, commission, closing costs, buyer credits and months of carrying costs. When repairs are heavy or the carrying cost is high, those can exceed the gap between a cash offer and the market price. When the house shows well and needs little work, listing usually wins — and the calculator will show you that plainly rather than pretending otherwise.
Is this really free?
Yes, 100% free with no strings attached. Both calculators run instantly, and if you want a precise cash offer, Eugene will evaluate your property at no cost. There is never any obligation to accept.
What happens after I get my estimate?
If you choose to share your contact info, Eugene will personally call you within 24 hours. He will discuss your property, answer any questions, and if you are interested, schedule a quick walkthrough to provide an exact cash offer. You are never pressured to sell.
Prefer to Talk?
Skip the calculator and talk directly to Eugene. No pressure, no obligation.
Call (408) 717-4505