How much does a 0.20 to 0.49ct F VS1 natural heart diamond cost?

As of October 2026, 0.20 to 0.49ct F VS1 natural heart diamonds typically cost $755 NZD to $1,502 NZD, with a median price of $1,044 NZD. There are currently 463 diamonds matching this specification available across retailers.

Where can I find the best price on a F VS1 heart diamond?

About 38% of these diamonds are available at multiple retailers, with an average price spread of 24%. A comparison tool like Carat Hunter lets you see all the prices side by side.

0.20 to 0.49ct F VS1 Natural Heart

Quick answer

As of October 2026, there are 463 natural heart diamonds with F colour and VS1 clarity in the 0.20 to 0.49ct range available across retailers worldwide. Prices typically run $755 NZD to $1,502 NZD, with a median of $1,044 NZD. At least 22 retailers stock this exact specification, and 38% of the stones appear at more than one of them, with an average price spread of 24%. Half of all listings fall between $2,743 NZD and $3,465 NZD per carat. The same specification in lab grown form lists at a median of about $804 NZD per carat. Over the last 30 days the median price moved -5.4% and the number of listings moved -0.6%.

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

463

Lowest Price

$419 NZD

Highest Price

$3,174 NZD

Average Price

$1,122 NZD

Market Intelligence

Retailers Selling

Cross Retailer %

37.5%

Price Spread

23.5%

30-Day Price Trend

-5.4%

30-Day Supply Change

-0.6%

Volatility (30d)

0.01

Price Range

Price per carat distribution across retailers

$1,722/ct

10th Percentile

$1,226

Median

$1,722

90th Percentile

$2,152

Score Distribution

973 diamonds scored across 4 quality tiers

Excellent

122 (12.5%)

Very Good

207 (21.3%)

Good

201 (20.7%)

Average

443 (45.5%)

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Consider Instead

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

F VS2VS2 inclusions are not visible without magnification

Save 7%

Lab-Grown F VS1Same specifications, lab-grown origin

Save 78%

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