A 5 carat diamond ring is a bold statement of love, luxury, and personal style. But when it comes to the price tag, things can vary—dramatically. So how much does a 5 carat diamond really cost? The answer depends on more than just carat weight.
Let’s walk through what influences the cost and how to make the most of your investment.
First, What Does “5 Carat” Really Mean?
Carat is a unit of weight, not size. A 5 carat diamond weighs exactly 1 gram, but depending on its cut and shape, it may appear larger or smaller.
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Round cut diamonds often look slightly smaller than elongated shapes like oval or emerald.
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A 5 carat round brilliant typically measures around 11 mm across.
At Acredo, we help you understand how a diamond’s proportions and design impact not only size appearance—but overall beauty.
Price Range for a 5 Carat Diamond Ring
So, how much can you expect to pay?
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Entry level 5 carat diamonds with lower color and clarity grades might start around $40,000–$60,000.
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High-quality diamonds with excellent cut, color (D-F), and clarity (VVS1 or better) can range from $200,000 to over $500,000.
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Fancy shapes or lab-grown 5 carat diamonds can bring the cost down while still offering brilliance.
Two diamonds can both be 5 carats—yet look, sparkle, and cost very differently.
Price Per Carat vs. Estimated Total Cost
1. Price Per Carat
This is the cost of one single carat of a diamond at a specific quality and size range.
It increases exponentially with carat weight—because larger, high-quality diamonds are much rarer.
For example:
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A 1-carat high-quality diamond may cost $8,000 per carat
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A 5-carat of similar quality might cost $100,000 per carat
Think of it like buying luxury fabric:
One yard of fine silk might cost $100—but if you need five continuous yards without seams, each yard could jump to $200 due to its rarity.
2. Estimated Total Cost
This is the actual price you pay for the full diamond. It’s calculated as:
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Price Per Carat × Carat Weight
Using the same example:
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1-carat diamond at $8,000/ct = $8,000 total
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5-carat diamond at $100,000/ct = $500,000 total
Why does this matter?
Even though a 5-carat diamond is only 5x heavier, it might cost 50x more because the price per carat increases so dramatically at higher weights.
Factors That Affect the Cost of a 5 Carat Diamond Ring
Cut Quality
The most important of the 4Cs, cut affects brilliance and value. A well-cut 5 carat diamond will sparkle more and look larger.
Color Grade
From colorless (D) to faint yellow (J or below), color plays a huge role in pricing. A 5 carat D-color diamond commands a premium.
Clarity Grade
At this size, inclusions are more visible. Most buyers aim for VS2 or higher for eye-clean clarity.
Shape
Fancy shapes like cushion, pear, or oval tend to cost less per carat than round diamonds—often by 10–25%.
Origin: Natural vs. Lab-Grown
A lab-grown 5 carat diamond can cost up to 70% less than a natural one—with identical sparkle and structure.
What About the Ring Setting?
The setting also affects your total cost:
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Simple solitaire: $1,000–$2,500
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Diamond halo or side stones: $3,000–$10,000+
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Custom-designed by Acredo: Tailored to your budget, lifestyle, and vision
Design Tip:
A bezel setting or hidden halo adds security and brilliance without distracting from the center stone.
Why Choose Acredo for a 5 Carat Diamond Ring?
At Acredo, we specialize in custom-designed jewelry that tells your story.
Here’s what sets us apart:
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Personalized consultations with diamond experts
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100% ethically sourced natural and lab diamonds
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Elegant design options and handcrafted settings
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Lifetime cleaning and maintenance support
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Transparent guidance—no pressure, just expertise
Can You Finance a 5 Carat Diamond Ring?
Yes, and many clients do.
We offer Synchrony Luxury Financing and flexible plans to help you make your dream ring a reality—without compromise.
Final Thoughts: A 5 Carat Diamond Is More Than a Number
Whether you’re celebrating a milestone, redesigning an heirloom, or simply falling in love with a bold look—a 5 carat diamond makes a lasting impression.
But it’s not just about size. It’s about brilliance, beauty, and building something one-of-a-kind. And that’s where Acredo shines.
Schedule Your Acredo Design Consultation
We invite you to design your perfect ring with us. Compare options, explore different settings, and find the diamond that speaks to you—5 carats or not.
Visit Acredo today or schedule a personalized sit-down near you.
Let’s create something unforgettable, together.