How much does a 0.20 to 0.49ct D SI2 natural heart diamond cost?

As of October 2026, 0.20 to 0.49ct D SI2 natural heart diamonds typically cost $604 NZD to $1,351 NZD, with a median price of $950 NZD. There are currently 110 diamonds matching this specification available across retailers.

Where can I find the best price on a D SI2 heart diamond?

About 35% of these diamonds are available at multiple retailers, with an average price spread of 25%. A comparison tool like Carat Hunter lets you see all the prices side by side.

0.20 to 0.49ct D SI2 Natural Heart

Quick answer

As of October 2026, there are 110 natural heart diamonds with D colour and SI2 clarity in the 0.20 to 0.49ct range available across retailers worldwide. Prices typically run $604 NZD to $1,351 NZD, with a median of $950 NZD. At least 11 retailers stock this exact specification, and 35% of the stones appear at more than one of them, with an average price spread of 25%. Half of all listings fall between $2,313 NZD and $2,940 NZD per carat. The same specification in lab grown form lists at a median of about $840 NZD per carat. Over the last 30 days the median price moved -6.9% and the number of listings moved -1.0%.

Three of the best scored stones at this specification right now:

Caratlytics Diamond Price Index, September 2026: natural diamonds at 2,335 USD per carat and lab-grown at 443 USD per carat, a natural to lab ratio of 5.3 to 1. Heart natural stones in the index: 2,374 USD per carat, +9.8% month on month. See the full index release

Figures come from current listings across more than 100 retailers and refresh daily. The index is a monthly release.

Last updated: October 2026

Available

110

Lowest Price

$283 NZD

Highest Price

$2,399 NZD

Average Price

$978 NZD

Market Intelligence

Retailers Selling

Cross Retailer %

35.1%

Price Spread

24.8%

30-Day Price Trend

-6.9%

30-Day Supply Change

-1.0%

Volatility (30d)

0.02

Price Range

Price per carat distribution across retailers

$1,420/ct

10th Percentile

$1,147

Median

$1,420

90th Percentile

$1,875

Score Distribution

268 diamonds scored across 4 quality tiers

Excellent

32 (11.9%)

Very Good

68 (25.4%)

Good

63 (23.5%)

Average

105 (39.2%)

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Consider Instead

Save money without compromising on what matters. These alternatives are visually similar but cost less.

Lab-Grown D SI2Same specifications, lab-grown origin

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Related Specifications

D IF D VVS1 D VVS2 D VS1 D VS2 D SI1 E IF E VVS1 E VVS2 E VS1 E VS2 E SI1 F IF F VVS1 F VVS2 F VS1 F VS2 F SI1 G IF G VVS1 G VVS2 G VS1 G VS2 G SI1 H IF H VVS1 H VVS2 H VS1 H VS2 H SI1 I IF I VVS1 I VVS2 I VS1 I VS2 I SI1