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10 K means 41.7 % gold , so this chain contains 81.92 grams of gold, provided all 196.6 grams of its weight are solid 10K gold. The price of gold varies but is now about $43 per gram, so the gold in this chain is worth about $3500. The retail price would depend on the workmanship involved in making the chain and the dealer's mark-up which is usually quite high for jewelry.

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Q: How much does a 10 KT gold chain 40 inches long 9mm wide and 196.6 grams weight sell for?
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