Keep or Sell the House in Divorce? See the Real Numbers.
The house is often the biggest financial decision in divorce — and the most emotionally charged. SettleLens removes the emotion and shows you the 10-year financial impact of each path, so you can decide based on facts.
Compare My House ScenariosStart free — no credit card required
Option A: You Keep the House
Keeping the home means you retain the equity but take on the full mortgage, insurance, taxes, and maintenance costs. SettleLens checks whether your post-settlement income can support this monthly burden — and projects your net worth at year 10 under this scenario.
Option B: Your Spouse Keeps the House
Transferring the home means receiving a cash buyout or offsetting assets. SettleLens models what you do with those proceeds — investing, renting, or purchasing a smaller property — and compares the 10-year outcome against keeping the house.
Option C: Sell and Split
A clean sale distributes equity between both parties. SettleLens models how your share of the sale proceeds, combined with your other settlement terms, positions you financially over 10 years.
The Hidden Costs of Keeping the Home
Mortgage affordability on a single income is just one risk. Property taxes, HOA fees, major repairs, and reduced liquidity are common traps. SettleLens flags these pressure points and shows their cumulative impact.
Frequently Asked Questions
How do I enter my home's value?
You enter your current estimated market value and remaining mortgage balance. SettleLens uses these to calculate net equity and models each ownership scenario from there.
What if we have a shared mortgage?
Joint mortgage liability is a key negotiation point. SettleLens lets you model who retains the mortgage and the financial impact for both parties — helping you prepare for that discussion.
SettleLens provides financial scenario modeling for informational purposes only. Not legal or financial advice. Consult a qualified family law attorney for decisions affecting your legal rights.