How much does a 3.00 to 4.99ct F VS1 natural heart diamond cost?

As of October 2026, 3.00 to 4.99ct F VS1 natural heart diamonds typically cost $70,044 NZD to $166,001 NZD, with a median price of $105,807 NZD. There are currently 10 diamonds matching this specification available across retailers.

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

About 30% of these diamonds are available at multiple retailers, with an average price spread of 29%. A comparison tool like Carat Hunter lets you see all the prices side by side.

3.00 to 4.99ct F VS1 Natural Heart

Quick answer

As of October 2026, there are 10 natural heart diamonds with F colour and VS1 clarity in the 3.00 to 4.99ct range available across retailers worldwide. Prices typically run $70,044 NZD to $166,001 NZD, with a median of $105,807 NZD. At least 49 retailers stock this exact specification, and 30% of the stones appear at more than one of them, with an average price spread of 29%. Half of all listings fall between $21,368 NZD and $28,791 NZD per carat. The same specification in lab grown form lists at a median of about $859 NZD per carat. Over the last 30 days the median price moved -0.9% and the number of listings moved +7.8%.

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

$54,858 NZD

Highest Price

$333,637 NZD

Average Price

$120,888 NZD

Market Intelligence

Retailers Selling

Cross Retailer %

30.0%

Price Spread

28.9%

30-Day Price Trend

-0.9%

30-Day Supply Change

+7.8%

Volatility (30d)

0.01

Price Range

Price per carat distribution across retailers

$14,439/ct

10th Percentile

$10,397

Median

$14,439

90th Percentile

$19,054

Score Distribution

34 diamonds scored across 4 quality tiers

Excellent

7 (20.6%)

Very Good

1 (2.9%)

Good

6 (17.6%)

Average

20 (58.8%)

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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 6%

Lab-Grown F VS1Same specifications, lab-grown origin

Save 97%

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