This is an estimate for planning, from Zillow's ZIP-wide typical values applied to your purchase price. It is not an appraisal, a broker price opinion, an offer, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender, appraiser or tax professional.
How the estimate works
- Zillow's typical value for the home type and ZIP code is taken for the purchase month and for the newest month.
- The purchase price is scaled by that change, and condition sets the range.
- If the original loan remains, its balance is estimated from regular fixed-rate payments from the month after purchase.
- Equity is the midpoint less the balance; the net also subtracts selling costs and is before taxes.
- The Prop 13 figure applies the State Board of Equalization's yearly factors, 2% at most, to the purchase price.
Your Prop 13 value and Prop 19
If one spouse keeps the home, its Prop 13 taxable value matters for the future tax bill. That value began at the purchase price and has grown 2% a year or less; a transfer between spouses in a divorce is generally excluded from reassessment, so ask the county assessor about your case.
For a spouse 55 or older who sells and buys again, Proposition 19 may allow that taxable value to move to the new home if it is in California and bought within two years; there is a limit of three transfers. The county assessor and a tax professional can confirm.
If one of you may keep the house, see also the downsizing calculator and property tax when one spouse keeps the home.
Sources and dates
- Zillow Research, Zillow Home Value Index (ZHVI) by ZIP code: all homes, single-family and condo; middle tier, smoothed and seasonally adjusted (data through September 2026, files updated Oct 16, 2026)
- FHFA House Price Index for five-digit ZIP codes (annual, developmental index, not seasonally adjusted; 2000 = 100), used only for purchases before Zillow's series begin. Citation: Bogin, Doerner and Larson, Local House Price Dynamics: New Indices and Stylized Facts, FHFA Working Paper 16-01 (annual, through 2025)
- Freddie Mac Primary Mortgage Market Survey (PMMS): weekly 30-year and 15-year fixed averages; the page uses the mean for your purchase month (monthly means through October 2026; latest weekly 30-year average 7.24% on Oct 29, 2026)
- California State Board of Equalization, Letter To Assessors No. 2026/002: inflation factors for 1976-77 through 2026-27, with Revenue and Taxation Code section 51 and California Constitution article XIII A, section 2(b) (January 13, 2026)
- California State Board of Equalization, Proposition 19 (checked Oct 30, 2026)
- Assumptions, not sourced figures: the condition range (the same rule of thumb as the home value range tool), 6% selling costs, 20% down, regular payments on a fixed-rate loan starting the month after you bought, and the first inflation factor applying on the first January 1 after your purchase
Questions owners ask
Can we use this number in our settlement?
No. It is a ZIP-wide estimate for planning, not an appraisal. Settlements and courts rely on a formal appraisal arranged with your attorney. This page helps you understand the range before those conversations.
Why might the real value differ?
A ZIP-wide index has no view of the home's condition, lot or updates. Recent sales of similar homes nearby, which Rudy can review for free, narrow it down.
We refinanced during the marriage. What do I enter?
Choose the balance option and add up what is owed today on every loan secured by the home, any equity line included.
Does the taxable value tell us what the home is worth?
No. The Prop 13 taxable value only sets the tax, and it can grow just 2% a year from the purchase price. Market value is a separate question for the appraisal.
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