diff --git a/src/pages/listings/listingsUtils.js b/src/pages/listings/listingsUtils.js
new file mode 100644
index 0000000..2d0f3e1
--- /dev/null
+++ b/src/pages/listings/listingsUtils.js
@@ -0,0 +1,40 @@
+/* 실매물 판정 tier / 금액 포맷 순수 헬퍼 */
+const C = { green: '#34d399', yellow: '#f59e0b', red: '#f87171', gray: '#94a3b8' };
+
+export const SAFETY_TIER_META = Object.freeze({
+  '안전': { emoji: '🟢', color: C.green },
+  '주의': { emoji: '🟡', color: C.yellow },
+  '위험': { emoji: '🔴', color: C.red },
+  '보류': { emoji: '⚪', color: C.gray },
+});
+
+export const VALUATION_TIER_META = Object.freeze({
+  '저평가': { emoji: '🟢', color: C.green },
+  '시세':   { emoji: '🟡', color: C.yellow },
+  '고가':   { emoji: '🔴', color: C.red },
+  '보류':   { emoji: '⚪', color: C.gray },
+});
+
+export const tierMeta = (kind, tier) => {
+  const map = kind === 'valuation' ? VALUATION_TIER_META : SAFETY_TIER_META;
+  if (Object.hasOwn(map, tier)) return { ...map[tier], label: tier };
+  return { emoji: '⚪', color: C.gray, label: tier ?? '' };
+};
+
+export const formatMoney = (manwon) => {
+  if (manwon == null || manwon === '') return '-';
+  const n = Number(manwon);
+  if (Number.isNaN(n)) return '-';
+  const eok = Math.floor(n / 10000);
+  const rest = n % 10000;
+  if (eok > 0 && rest > 0) return `${eok}억 ${rest.toLocaleString('ko-KR')}만`;
+  if (eok > 0) return `${eok}억`;
+  return `${n.toLocaleString('ko-KR')}만`;
+};
+
+export const formatRatio = (ratio) => {
+  if (ratio == null) return '-';
+  const n = Number(ratio);
+  if (Number.isNaN(n)) return '-';
+  return `${(n * 100).toFixed(1)}%`;
+};
diff --git a/src/pages/listings/listingsUtils.test.js b/src/pages/listings/listingsUtils.test.js
new file mode 100644
index 0000000..77d79ac
--- /dev/null
+++ b/src/pages/listings/listingsUtils.test.js
@@ -0,0 +1,44 @@
+import { describe, it, expect } from 'vitest';
+import { tierMeta, formatMoney, formatRatio } from './listingsUtils.js';
+
+describe('tierMeta', () => {
+  it('safety 4종 이모지·색·label', () => {
+    expect(tierMeta('safety', '안전')).toMatchObject({ emoji: '🟢', color: '#34d399', label: '안전' });
+    expect(tierMeta('safety', '주의').emoji).toBe('🟡');
+    expect(tierMeta('safety', '위험').color).toBe('#f87171');
+    expect(tierMeta('safety', '보류').emoji).toBe('⚪');
+  });
+  it('valuation 4종', () => {
+    expect(tierMeta('valuation', '저평가')).toMatchObject({ emoji: '🟢', color: '#34d399', label: '저평가' });
+    expect(tierMeta('valuation', '시세').emoji).toBe('🟡');
+    expect(tierMeta('valuation', '고가').color).toBe('#f87171');
+  });
+  it('미정의 tier는 회색⚪ + 원문 label, undefined는 빈 label', () => {
+    expect(tierMeta('safety', '없는거')).toMatchObject({ emoji: '⚪', color: '#94a3b8', label: '없는거' });
+    expect(tierMeta('valuation', undefined).label).toBe('');
+  });
+});
+
+describe('formatMoney (만원 정밀 표기)', () => {
+  it('만/억 경계', () => {
+    expect(formatMoney(9999)).toBe('9,999만');
+    expect(formatMoney(10000)).toBe('1억');
+    expect(formatMoney(15000)).toBe('1억 5,000만');
+    expect(formatMoney(32000)).toBe('3억 2,000만');
+  });
+  it('null/빈값/NaN → -', () => {
+    expect(formatMoney(null)).toBe('-');
+    expect(formatMoney('')).toBe('-');
+    expect(formatMoney('abc')).toBe('-');
+  });
+});
+
+describe('formatRatio', () => {
+  it('비율 → 퍼센트 1자리', () => {
+    expect(formatRatio(0.812)).toBe('81.2%');
+    expect(formatRatio(1.05)).toBe('105.0%');
+  });
+  it('null → -', () => {
+    expect(formatRatio(null)).toBe('-');
+  });
+});