A lowball bid is one that insults the seller. It's hard to quantify as a figure; it could be 10% to 25% below list price. It depends a lot on you, too. An occasional buyer may be insulting your intelligence, but he's not insulting your house, your mother, or your country.

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A buyer may think you are desperate, or a buyer may love your house but not be able to afford your asking price. If you assume the best of most sellers and remain willing to negotiate, you may work the price up to one that's acceptable to you. You have more options than either rejecting the offer outright or making a counteroffer exactly halfway between the offer and the list price.

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