Inherited Property Sale Calculator
Compare a fast cash offer on an inherited property against selling on the open market, after holding costs during the wait.
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An inherited property costs money from the day it is empty. Insurance for an unoccupied building is higher, property tax often continues, and security, heating and maintenance all have to be paid by an estate that may have no income.
Against that, quick-sale buyers pay well below market. Working out what waiting is worth per month is what makes the choice between a fast certain sale and a slower better price a decision rather than a guess.
The comparison
Each route nets its price less its selling costs, less the cost of holding the property empty for as long as it takes. Dividing the difference by the extra months the market route needs gives what waiting pays per month, which is the figure to weigh against the effort and uncertainty.
Worked example
An expected 355,000 with 5% selling costs nets 337,250, less eight months of holding at 900 — 330,050. A 300,000 quick sale with 1% costs and one month of holding nets 296,100. The market is 33,950 better across seven extra months, so waiting pays about 4,850 a month.
Insurance is the urgent item
Most policies restrict or void cover once a property has been unoccupied for thirty to sixty days, and an inherited property is frequently empty from day one. Tell the insurer immediately and arrange unoccupied cover — a fire in an uninsured empty house is the worst outcome available.
One page per property, ready in minutes
Photos, price, location, the documents a buyer asks for, and this calculator — on a page you can send in a single link. No website build, no coding.
Create your free property pageFrequently asked questions
Why do quick-sale buyers offer so much less?
Because they are buying speed and certainty, and they need a margin. Discounts of fifteen to twenty-five percent below market are common, which is why the per-month figure is the right way to judge the offer.
What are the risks of leaving it empty?
Restricted or void insurance, deterioration from damp and lack of heating, theft of fittings, and squatting in some jurisdictions. Regular inspection and unoccupied cover are essential from the first week.
Should the property be cleared before marketing?
Usually yes. An empty, clean property shows better and lets buyers imagine themselves in it, and clearance is needed before completion regardless. Do it early rather than under time pressure at the end.
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