Rare is the right word for a 5 carat diamond: a natural stone this size measures about 11.1 mm across as a well cut round and is usually bought as the center of a ring meant to be handed down. Mined stones like this usually come with a GIA report. Color and clarity show more at this weight and each grade moves the price a long way, so decide what you will see before deciding what to pay for.
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There is no single price. At five carats, small differences in cut, color, clarity and shape move the figure a long way, so the prices on the stones themselves are the only numbers worth trusting. The part you control is which levers you pay for. Rounds cost the most per carat of the common shapes, so a cushion, oval or emerald cut of the same weight usually costs less, and the elongated outlines look larger as well. A stone grown in a lab with equal size and grade costs far less again.
Big rough crystals turn up far less often than small ones, so a mined diamond of five carats is scarce by nature, and that scarcity is part of the price. It also explains resale: natural diamonds hold their value better than lab made ones, whose resale value is low. If the ring may be handed down, or you think you might sell one day, a natural stone of this size is the stronger choice. Read the GIA report line by line; at this level it is the document that describes exactly what you own.
Choose color for the metal and clarity for your eye. Size makes warmth easier to see, so a stone headed for platinum or white gold is worth buying near the top of the near colorless range or higher, while yellow and rose gold hide a warmer tone and let you spend less on color. Eye clean is the clarity target. In brilliant shapes such as round, oval and cushion, VS2 and many SI1 stones reach it; emerald and asscher cuts show inclusions through their open facets, so hold them to VS1 or VS2. Judge every finalist on 360 degree video at full size.
Pick natural for rarity and resale, lab created for size and grades per dollar. The material is identical, and only a lab instrument can tell the two apart. If staying natural would push you toward a visible inclusion or a weak cut, compare 5 carat lab grown diamonds first. If natural is settled, look at 4 carat natural diamonds as well, and browse 5 carat natural diamond rings to see finished designs.
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