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Carry vs Price Cut Calculator
Stale listings accrue carrying costs. At some point, price cut is cheaper than continued carry. This calculator shows when.
Net savings from price cut
$5,500
Carry cost
$25,500
Price cut cost
$20,000
Recommendation
Cut price — carry too expensive
How the math works
Compare: carry cost (months × monthly) vs price cut. Cheaper wins.
Hard math: every month of carry on a listing with $8k carrying cost = $8k of silent loss. If cutting $15k closes deal now, that's equivalent to <2 months carry — usually worthwhile.
How to Use
- Enter monthly carrying cost (mortgage, tax, ins, utilities).
- Enter expected extra months of carry at current price.
- Enter proposed price cut.
- Read net cost of each path.
Frequently Asked Questions
What counts as carrying cost?
Debt service, property tax, insurance, utilities, HOA, maintenance, staging, utilities. Total often $5-15k/month on mid-market properties. Higher with vacant-home insurance and security.
How much to cut?
Enough to get to sale within 30-45 days. Small cuts (1-2%) in stale markets often fail; bigger cuts (5-10%) close the deal. Price revisions at 30-day intervals are standard.
Emotional cost?
Sellers hate price cuts. But carrying cost silently burns equity. Discipline = accept the loss and move. Indecision compounds the cost.
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