A comparative market analysis (CMA) by a real estate agent involves a hands-on property evaluation, factoring in its condition, location, and unique features. Agents use local expertise and recent sales data to provide a personalised value estimate, considering aspects like curb appeal and upgrades that data alone might miss.

In contrast, online estimates use automated valuation models (AVMs) based on public data and market trends. While quick and convenient, they may lack accuracy for unique properties or in changing markets.

Both methods are useful, but an agent’s appraisal tends to offer a more precise value, while online estimates serve as easy reference points.