How can I determine the value of my home without an appraisal?

You cannot determine the actual value of your home without an appraisal, you can however get an estimate of it's value by contacting a real estate agent and asking for a comparative market analysis. You can also contact a mortgage broker if you are planning to refinance and they can provide the same or similar service.

A Comparative Market Analysis from a local realtor is your best option to determine value without an appraisal; depending on your purpose for wanting to know, this may not be suitable, though. Mortgage professionals can't determine value for you; they can only obtain or provide you with any assistance here through either a Realtor's CMA, an appraiser, or a popular choice now of an AVM (Automated Valuation Model). The most accurate way is obviously still an appraisal, and if cost is an issue, perhaps an "Exterior Only" appraisal will do the job for you.