How Much Does a Divorce Appraisal Cost

If you are going through a divorce in Greensburg or elsewhere in Westmoreland County, a professional divorce appraisal is often required for equitable distribution. For 2025–2026, the typical cost of a divorce appraisal for a standard residential property in this area generally ranges from $650 to $800. This pricing reflects a court-ready appraisal prepared specifically for divorce proceedings and should be distinguished from lower-cost refinance or lender appraisals that are not designed for legal use.

This fee range applies to typical single-family homes and condominiums. It does not include deposition time, expert witness testimony, or properties requiring expanded analysis due to size, acreage, additional amenities, or unusual characteristics. Those services and property types require additional work and are quoted separately.

What Sets My Divorce Appraisals Apart

Divorce appraisals require a higher level of detail and credibility than most residential appraisals. I hold the SRA designation from the Appraisal Institute, an advanced residential credential earned by a limited number of appraisers. This designation reflects advanced education, extensive experience, and demonstrated expertise in residential valuation.

My divorce appraisals are completed using a detailed Appraisal Institute reporting format rather than a simplified lender or general purpose form. These reports include comprehensive market analysis, clearly supported adjustments, and thorough narrative explanations designed to withstand a high level of scrutiny from attorneys, mediators, and the court. This level of documentation is especially important in contested divorce cases and often helps reduce disputes over value.

What Affects the Cost of a Divorce Appraisal in Westmoreland County

Divorce appraisal fees are based on the scope of work required, not simply the property’s location. Factors that can affect pricing include property size, acreage, accessory buildings, condition issues, renovations, and overall complexity. Divorce appraisals also require more explanation and documentation than mortgage appraisals because they are frequently reviewed in legal proceedings.

For this reason, reputable appraisers in Greensburg and Westmoreland County typically quote divorce appraisals on a property-specific basis after reviewing the details of the assignment. When budgeting for 2025–2026, most homeowners should plan on $650–$800 for a typical divorce appraisal, with higher fees only when expanded analysis or legal services are required.

Low Appraisal? No Problem! ROVs to the Rescue

Buying a home is stressful enough without an appraisal throwing a wrench in the works. But here’s the good news: if your appraisal comes back lower than expected, there’s a way to challenge it. It’s called a Reconsideration of Value (ROV), and it’s a tool that can save the deal, reduce buyer stress, and make real estate agents look like heroes.

Click on the image to go straight to the source from the CFPB

What’s an ROV, Anyway?

An ROV is simply a request to re-examine an appraisal when you think it missed the mark. Say you’re all set to buy your dream home, but then the appraisal says it’s worth less than what you offered. Ouch. That could mean paying more upfront or, worse, the deal falling apart. But don’t sweat it just yet—the ROV gives your lender a chance to say, “Hey, appraiser, maybe take another look?”

The new federal guidance on ROVs has already been issued, so the process is live now! Financial institutions are now implementing these policies to make sure homebuyers and their agents can request reconsiderations when appraisals seem off. So, if you’re currently in the homebuying process—or will be soon—you have this valuable option at your disposal.

How Does the ROV Process Work?

It’s pretty simple:

1. Submit the request: The buyer (through their lender) requests the appraiser to reconsider their valuation. This happens when there’s new or overlooked information—like alternate sales that were not included in the report or errors/omissions in the original report—that could change the value.

2. The appraiser reviews it: The original appraiser takes a second look at the new info. They’ll either update the valuation or explain why they’re sticking with the original one.

3. Outcome: With any luck, the new information helps adjust the valuation. But even if it doesn’t, you’ll know that the appraisal got a thorough second look.

For agents, you’re key to making this happen. You’ll help the buyer gather the right data and submit it, and guide them through the process. Think of it as adding “deal-saving superhero” to your list of skills.

An ROV is a game-changer. For buyers, it’s peace of mind—knowing they don’t have to accept a lowball appraisal. For agents, it’s an essential tool to keep deals moving smoothly.

So, when that appraisal doesn’t seem quite right, don’t panic—consider an ROV. This process is live and ready to use today, so buyers and agents can feel empowered to challenge valuations and keep those deals rolling.

In today’s real estate market, knowing when and how to use an ROV could be the key to closing more deals. Keep it in your toolkit—you never know when you might need it!