Why it is crucial to know the current value of your property in 2026

The real estate market has shifted noticeably in the last two years. Interest rates, regulation, energy requirements and regional developments all influence the value of residential property at the same time. In 2026, the value of real estate will therefore be less of a fixed value than ever before, but rather a snapshot in time.

EIngangsbereich, Wohnung, Haus, Parkettboden

Date

3.3.2026

Author

Marc Späni

Topics

Estimate
Online estimate
Real estate price

If you have the current market value checked regularly, you can recognize opportunities early on, correct risks in good time and avoid costly mistakes. The consequences often only become apparent years later in the balance sheet.

Real estate value is no longer a constant

Real estate values have been rising continuously for almost 30 years. But regional markets behave differently. Apartment buildings had a difficult price trend from 2021 to 2024. During the financial crisis of 20008 and 2016, luxury properties recorded price declines of 10% per year in some cases. Interest rates, stricter bank financing rules and more differentiated demand are constantly influencing price trends, both regionally and product-specifically. Properties in prime locations are now in demand and stable in value. Other properties are stagnating or becoming less attractive. Older properties without energy-efficient modernization or those in locations with growing supply are particularly affected.

What does this differentiated situation mean? The value of a property five years ago is often no longer valid today. And even today’s value will not necessarily be the same in two years’ time.

Interest rates as a new value factor

Many owners associate the value of their property first and foremost with location, square meters and finishing. That remains true. In 2026, however, the interest rate environment will have a greater impact on market value than just a few years ago. Interest rates will determine how much financing is even possible on the market and therefore what prices can realistically be achieved. Even small changes in mortgage interest rates shift affordability and influence what can be financed on the market.

This is crucial for owners, because the value is not only in the substance, but also depends on the financial leeway in the market. An up-to-date valuation helps to plan with a figure that fits the current market reality.

Energy status determines market value

location remains the strongest driver. However, since 2025/2026, a second currency has become established that plays an increasingly important role in value: energy efficiency. Energy efficiency, building technology, foreseeable refurbishment requirements and the long-term cost structure have a direct impact on value.

Well-renovated properties tend to be valued more stably, while unrenovated properties often carry a risk discount. This discount is often not linear. A property can be visually well maintained and still lose value if the heating, building envelope or energy indicators are no longer up to date. If you know the market value, you can better assess whether and where measures will actually create value and which investments will pay off.

Start your free online valuation now

If you want absolute clarity about the value of your property, a sound, professional assessment by a valuer is worthwhile as a basis for renovation, asset planning or the next life decisions.
We look forward to hearing from you.
Marc Späni

Frequently asked questions and answers about real estate valuation

How long does a real estate valuation take?

An initial online valuation can be completed in just a few minutes using our free valuation tool. Our experts usually need a little more time for a detailed valuation, as all property-specific and market-relevant factors such as location, condition, year of construction and demand are carefully examined.

How is the value of my property determined?

The value of a property is determined on the basis of various factors. These include location, property condition, year of construction, fixtures and fittings, plot size and the current market situation. Our experts analyze these aspects carefully and also rely on market comparisons and sound valuation methods such as real value and net asset value, DCF (discounted cash flow), capitalized earnings value, comparative value, hedonic models, etc. All of Ginesta’s valuation methods are based on comprehensive knowledge of economics, law and business administration as well as construction and planning law. We are accredited by banks and frequently work for courts and bankruptcy offices.

How long is a rating valid?

A property valuation always represents an assessment of the market value at a specific point in time. As real estate prices and market conditions can change, in practice a valuation is usually considered current for around three to six months. Banks or financial institutions often require a valuation for financing that is no more than six to twelve months old. If the market situation, interest rates or the condition of the property change significantly, it may make sense to have the value reassessed earlier. An up-to-date valuation helps to determine the realistic market price and make informed decisions when selling or financing. Read here Why knowing the current value of your property is crucial in 2026 – Ginesta Immobilien.

What is an evaluation suitable for?

A valuation helps when selling, renting, dividing an estate, in financing discussions or to assess your assets.