Marital Home Equity Calculator — United States

In community property states (CA, TX, AZ, NV, etc.), the marital portion of the home equity is split 50/50. In equitable distribution states (most states), equity is divided fairly — usually 50/50 but can vary based on contributions, length of marriage, and other factors. Separate property (pre-marital equity, inheritance, or gift) may be excluded if properly documented and traced.

Selling is the cleanest option — you split the net proceeds and both start fresh. A buyout lets one spouse keep the home, but requires refinancing (qualifying for a new mortgage alone) and paying the other spouse their share of equity. In a down market, selling may realize less than expected. Consider carrying costs, school districts, and each spouse's ability to afford the home alone.

The pre-marital equity in a home is often separate property. However, appreciation that occurred during the marriage may be marital property, especially if marital funds paid the mortgage. If the non-owner spouse made mortgage payments or improvements, they may have an equitable claim. Always document the pre-marital value and trace post-marriage contributions.