For Sellers | Equity

That kitchen you’ve been picturing…

The outdated bathroom you’re ready to finally upgrade…

The backyard you know could be so much more…

What if the funding for those projects is already sitting right inside your home?

For many homeowners across markets like Chicago, Kansas City, Des Moines, St. Louis, Omaha, Lincoln—and even in high-growth markets across Florida—that’s exactly what’s happening.

Homeowners are expected to spend over $522 billion on home improvements by the end of 2026, and a large number aren’t dipping into savings to do it.

They’re using their home equity.

Why Equity Is a Game-Changer Right Now

If you’ve owned your home for several years—especially 10 or more—you may be sitting on a significant amount of untapped equity.

Equity is simply the difference between what your home is worth and what you owe. And thanks to years of appreciation, many homeowners today have substantial value built up.

That means:

  • You may already have access to funds for upgrades
  • You can improve your home without draining cash reserves
  • You can invest back into one of your biggest assets

And right now, homeowners are doing exactly that—using equity strategically to upgrade their homes and boost long-term value.

Where Homeowners Are Investing

Across Midwest cities like Kansas City, Omaha, and St. Louis—where value and space go hand-in-hand—homeowners are upgrading kitchens, modernizing bathrooms, and enhancing outdoor living.

In markets like Chicago and throughout Florida, where buyer expectations can be higher, smart upgrades can make an even bigger impact on resale value.

In fact, the top reason homeowners are tapping equity today is simple:

Home improvements.

Not All Projects Are Equal—Focus on What Pays Off

Here’s the key: just because you can use your equity doesn’t mean every project is worth it.

The smartest homeowners focus on upgrades that:

  • Add real market value
  • Appeal to today’s buyers
  • Deliver a strong return on investment

Think:

  • Kitchen updates that modernize the heart of the home
  • Bathroom renovations that improve daily living
  • Outdoor upgrades that expand usable space

Smaller projects (like a new front door or cosmetic updates) can still add value—but may not require tapping into equity.

Your Local Market Matters More Than You Think

What adds value in Des Moines may differ from what buyers expect in Chicago or coastal areas of Florida.

That’s why having a local expert matters.

A real estate professional can help you:

  • Prioritize the right upgrades
  • Avoid over-improving for your market
  • Maximize your return when you sell

Because the goal isn’t to renovate everything—it’s to invest where it counts.

A Smart Next Step

Before you start demo day or call a contractor, take a strategic approach:

  • Talk with a real estate expert about what buyers want in your area
  • Evaluate which upgrades actually increase value
  • Connect with a financial professional to understand how using your equity impacts your overall financial picture

Bottom Line: Your Equity Could Be the Key

Whether you’re planning to sell in the next year or simply want to enjoy your home more, the right upgrades can make a big impact.

And in today’s market, your existing equity may be the tool that gets you there faster than you think.

If you’ve been thinking about a remodel but aren’t sure where to start—or what’s actually worth it—now is the time to map out a smart plan and make your move.

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