How much does a 3.00 to 4.99ct F VS2 natural heart diamond cost?

As of October 2026, 3.00 to 4.99ct F VS2 natural heart diamonds typically cost $68,348 NZD to $170,869 NZD, with a median price of $103,795 NZD. There are currently 14 diamonds matching this specification available across retailers.

Where can I find the best price on a F VS2 heart diamond?

About 28% of these diamonds are available at multiple retailers, with an average price spread of 30%. A comparison tool like Carat Hunter lets you see all the prices side by side.

3.00 to 4.99ct F VS2 Natural Heart

Quick answer

As of October 2026, there are 14 natural heart diamonds with F colour and VS2 clarity in the 3.00 to 4.99ct range available across retailers worldwide. Prices typically run $68,348 NZD to $170,869 NZD, with a median of $103,795 NZD. At least 44 retailers stock this exact specification, and 28% of the stones appear at more than one of them, with an average price spread of 30%. Half of all listings fall between $18,272 NZD and $24,732 NZD per carat. The same specification in lab grown form lists at a median of about $930 NZD per carat. Over the last 30 days the median price moved -1.0% and the number of listings moved +5.7%.

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

$45,537 NZD

Highest Price

$289,954 NZD

Average Price

$117,091 NZD

Market Intelligence

Retailers Selling

Cross Retailer %

28.2%

Price Spread

30.1%

30-Day Price Trend

-1.0%

30-Day Supply Change

+5.7%

Volatility (30d)

0.01

Price Range

Price per carat distribution across retailers

$12,093/ct

10th Percentile

$9,106

Median

$12,093

90th Percentile

$16,026

Score Distribution

60 diamonds scored across 4 quality tiers

Excellent

6 (10.0%)

Very Good

9 (15.0%)

Good

10 (16.7%)

Average

35 (58.3%)

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Consider Instead

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

F SI1SI1 inclusions are not visible without magnification

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Lab-Grown F VS2Same 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