Major change coming to residential appraisal reporting.
Real Estate Appraisals Are Changing in 2026
If you're buying or selling a home, you may notice that real estate appraisals begin to look a little different.
A new appraisal standard called UAD 3.6 (Uniform Appraisal Dataset) is being introduced nationwide. The goal is to modernize residential appraisals and create more consistent, detailed reporting about a property's features, condition and market value.
What does this mean for buyers and sellers?
More detailed property information
Appraisers will document property characteristics in greater detail, including the home's condition, improvements, living areas, site characteristics and other features that may influence value.
A new appraisal report
The traditional appraisal forms that buyers and sellers may be familiar with are being replaced by a more modern Uniform Residential Appraisal Report (URAR). The report adjusts based on the type of property being appraised.
More information about comparable properties
Comparable sales—or "comps"—will continue to be an important part of determining value. The new reporting system is designed to provide more structured information about how the subject property compares with recent sales.
Renovations and improvements matter
Sellers should keep good records of significant improvements to their property. Information such as the year completed, type of renovation, permits when applicable, and major upgrades can help an appraiser accurately understand the property.
Unique properties may require additional information
Acreage, shops and outbuildings, accessory dwelling units (ADUs), finished basements, extensive landscaping and other unusual property features may require additional documentation.
Will this change my home's value?
Not necessarily.
UAD 3.6 changes the way appraisal information is collected, analyzed and reported. It does not automatically make homes appraise higher or lower.
Appraisers will still analyze the property, recent comparable sales and current market conditions to develop an independent opinion of value.
What should sellers do?
Before an appraisal, having a concise list of improvements and important property features available can be helpful. This might include:
• Major renovations and approximate completion dates
• New roof, windows, HVAC or mechanical systems
• Kitchen and bathroom remodels
• Additions or finished living areas
• ADUs or guest quarters
• Shops, garages and significant outbuildings
• Well, septic or other important rural-property information
• Significant site and landscaping improvements
What should buyers know?
An appraisal is primarily performed for the lender to help determine whether the property provides adequate collateral for the mortgage.
The new appraisal format may provide buyers and lenders with more standardized information about the property, but an appraisal is not the same as a home inspection. Buyers should still conduct appropriate inspections and due diligence.
The Bottom Line
Appraisals aren't going away—they're becoming more detailed and standardized.
Whether you're buying or selling, understanding these changes can help you be better prepared for the appraisal process.
Amy Brewster Real Estate
Keller Williams Montana Realty
Southwest Montana Real Estate
