Typically the market value of your home will increase over time. The appreciation rate is a way to judge how quickly the home's value is increasing. You can estimate this figure by calculating the percent increase of the home's value over a period of one year. For example, suppose that you own a $100,000 home and that the value of your home increases by roughly $3,000 per year. In this case, the home's appreciation rate would be 3% because the home's value has grown by 3%, from $100,000 to $103,000.