Jan 23

Action Steps Real Estate Agents Can Take to Address Appraisal Bias (2026)

Appraisal bias remains a real challenge in today’s housing market. Studies continue to show that homes in communities of color are more likely to be undervalued compared to similar properties in predominantly White neighborhoods. These undervaluations can derail transactions, harm clients financially, and widen long-standing wealth gaps. As trusted advisors, real estate agents play a critical role in addressing this issue.

In recent years, the industry has made progress. Appraisers now receive more training on fair housing laws and unconscious bias, and professional standards have been strengthened. Still, education and advocacy at the agent level remain essential.

Here’s how agents can help protect their clients and promote fair valuations:

Educate clients early.
Explain how the appraisal process works before it happens. Let buyers and sellers know they have rights, including the ability to question an appraisal they believe is inaccurate or unfair.

Prepare strong data for the appraiser.
Provide a clear package that includes recent, relevant comparable sales, a list of upgrades and renovations, and neighborhood market trends. Strong, factual data helps support an accurate valuation.

Be proactive with lenders.
Ask lenders about their appraisal policies and how they handle disputes or concerns about bias. Knowing the process in advance saves time and reduces stress if issues arise.

Use the Reconsideration of Value process.
If an appraisal comes in low, guide your client through a formal reconsideration request. Focus on objective errors, missing comps, or overlooked improvements.

Know when and how to report concerns.
If you believe bias may have influenced an appraisal, document the issue and help your client file a complaint with the appropriate state or federal agency.

By staying informed, prepared, and proactive, real estate agents can help ensure fairer appraisals, protect their clients’ interests, and support a more equitable housing market in 2026 and beyond.

Source: REALTOR® Magazine
“Action Steps to Take Against Appraisal Bias”
National Association of REALTORS®

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