How much does a 0.20 to 0.49ct F I1 natural heart diamond cost?

As of October 2026, 0.20 to 0.49ct F I1 natural heart diamonds typically cost $679 NZD to $984 NZD, with a median price of $818 NZD. There are currently 3 diamonds matching this specification available across retailers.

Where can I find the best price on a F I1 heart diamond?

About 67% of these diamonds are available at multiple retailers, with an average price spread of 58%. A comparison tool like Carat Hunter lets you see all the prices side by side.

0.20 to 0.49ct F I1 Natural Heart

Quick answer

As of October 2026, there are 3 natural heart diamonds with F colour and I1 clarity in the 0.20 to 0.49ct range available across retailers worldwide. Prices typically run $679 NZD to $984 NZD, with a median of $818 NZD. At least 8 retailers stock this exact specification, and 67% of the stones appear at more than one of them, with an average price spread of 58%. Half of all listings fall between $1,748 NZD and $2,869 NZD per carat.

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

Lowest Price

$194 NZD

Highest Price

$1,324 NZD

Average Price

$804 NZD

Market Intelligence

Retailers Selling

Cross Retailer %

66.7%

Price Spread

58.5%

Price Range

Price per carat distribution across retailers

$1,080/ct

10th Percentile

$922

Median

$1,080

90th Percentile

$3,523

Score Distribution

39 diamonds scored across 4 quality tiers

Excellent

1 (2.6%)

Very Good

1 (2.6%)

Good

2 (5.1%)

Average

35 (89.7%)

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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