by Home Equalizer
Free · All 50 states · Federal appraisal records

Are homes in your area appraised fairly?

See how often home appraisals near you came in below the agreed sale price, based on federal records of 14 million home purchases across the country.

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United States · tap any county
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The national picture

Where low appraisals happen in America

Every home purchase appraisal for a Fannie Mae or Freddie Mac loan, grouped by the largest racial or ethnic group in the neighborhood (census tract).

Appraised below the sale price

By neighborhood majority, 2019–2023
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Majority-Black vs. majority-white neighborhoods

Share appraised below the sale price, each year
Majority-BlackMajority-white
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States with the widest Black–white appraisal gap

How much more often majority-Black neighborhoods appraised below the sale price, 2019–2023. States with at least 1,000 appraisals in majority-Black neighborhoods.
Majority-BlackMajority-white
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How far appraisers look for comparable sales

Average distance from the home to its comparable sales, purchase appraisals 2019–2023. Fannie Mae sets no fixed radius, so each appraiser decides.
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Where these numbers come from

Federal appraisal records

The FHFA's Uniform Appraisal Dataset covers appraisals on home purchases financed by Fannie Mae and Freddie Mac. We use 2019–2023, the five most recent full years.

Compared to the sale price

"Below the sale price" means the appraiser valued the home at less than what buyer and seller agreed to pay. That can kill a deal or force the buyer to bring more cash.

Small areas protected

FHFA hides results for places with too few appraisals to protect privacy. Those show as "not enough data" instead of a guess. Connecticut maps use its older county lines.