Hard MoneyFacts True-cost calculator

Markets

How long flips actually take to sell in the 120 largest US counties - and the loan term each one needs.

A flip is renovation, then time on market, then the buyer's closing. Only the first is under your control, and the other two still cost you interest.

Across these markets the tail runs a median of 2.7 months — leaving about 9.3 months of renovation allowance inside a standard 12-month term. So market time alone rarely breaks a term. What it does reliably is cost you money after the work is finished, and the spread is wide: from under a fortnight in the fastest markets to over three months in the slowest.

Alabama

Arizona

Arkansas

California

Colorado

Connecticut

Florida

Georgia

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Maryland

Massachusetts

Michigan

Minnesota

Missouri

Nebraska

Nevada

New Jersey

New York

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

South Carolina

Tennessee

Texas

Utah

Virginia

Washington

Wisconsin

Methodology

Median days on market for single-family homes, from the Redfin Data Center bulk county data, May 2026. Counties with fewer than 15 sales in the month are excluded. Closing is assumed at 45 days after contract; renovation at five months unless you change it in the calculator.