Finance

ARV Calculator (After Repair Value)

Estimate property value after renovations and calculate maximum offer using the 70% rule.

Comparable Sale Price ($)

Adjustment (+/-) ($)

+ if subject is better, − if worse

Estimated Repair Costs ($)

Holding Costs ($ — taxes, insurance, utilities)

Closing/Selling Costs (%)

Desired Profit ($)

Formulas:
ARV = Comparable Price ± Adjustments
70% Rule: Max Offer = ARV × 70% − Repair Costs
Profit = ARV − Purchase − Repairs − Holding − Closing

The 70% Rule

The 70% rule is a quick formula used by house flippers: Maximum Offer = ARV × 70% − Estimated Repairs. The 30% buffer covers profit, closing costs, holding costs, and a margin of safety.

Example

ARV = $365,000. Repairs = $50,000. Max offer = $365,000 × 0.70 − $50,000 = $205,500. This leaves room for ~$30k profit after all costs.

Common Repair Cost Ranges

Item	Cost Range
Kitchen remodel	$15,000 - $40,000
Bathroom remodel	$8,000 - $20,000
New roof	$8,000 - $15,000
HVAC replacement	$5,000 - $10,000
Full interior paint	$3,000 - $7,000
Flooring (whole house)	$5,000 - $15,000