Buyout vs. Sell the House in Divorce

Many couples face the same decision: does one spouse keep the home through a buyout, or is it better to sell? This page compares the options in plain language.

Option A: One spouse buys out the other

A buyout can work when one spouse wants to keep the home and can refinance or otherwise compensate the other spouse for their share of equity.

The tricky part is agreeing on value and having a financing plan that fits the timeline.

• Pros: keeps stability (especially for kids), avoids moving twice
• Cons: refinancing hurdles, disputes about value, ongoing upkeep costs

Option B: Sell and split proceeds

A sale is often simpler when neither spouse can keep the home comfortably or when there is significant conflict over repairs, listing strategy, or timeline.

A direct as‑is sale can reduce the number of decisions required.

• Pros: clean division of equity, fewer long‑term ties
• Cons: moving logistics, timing coordination

How to decide (practical factors)

In practice, the decision often comes down to affordability, timeline, and willingness to manage a listing process.

If repairs are needed or time is tight, a sale can reduce stress and uncertainty.

• Can one spouse qualify to refinance?
• Is there agreement on price/value?
• Is there time for listing and showings?
• Does the home need repairs?

If you’re unsure

You can request a confidential offer as a benchmark. Even if you choose a buyout, an offer can help establish a practical reference point.

Next steps

If you want a simple option that avoids repairs and public showings, request a confidential offer. You can review it with your spouse, mediator, or attorney and choose a timeline that fits your situation.

This website is not legal advice. For legal questions related to divorce, consult a licensed attorney.