Mortgage Calculator by State
Property taxes and insurance can change a monthly payment by $1,000+ between states on the identical home. Pick your state for a calculator pre-loaded with its real tax rate, typical insurance and median home price.
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Every state compared
Full monthly payment below assumes the state's approximate median home price, 20% down, 6.5% for 30 years, average taxes and typical insurance. Click a state for its full calculator and buying guide.
| State | Eff. tax rate | Median price* | Tax / year | Full payment / mo |
|---|---|---|---|---|
| Alabama | 0.41% | $232,000 | $951 | $1,411 |
| Alaska | 1.04% | $362,000 | $3,765 | $2,294 |
| Arizona | 0.51% | $434,000 | $2,213 | $2,512 |
| Arkansas | 0.52% | $209,000 | $1,087 | $1,289 |
| California | 0.71% | $852,000 | $6,049 | $4,987 |
| Colorado | 0.49% | $580,000 | $2,842 | $3,336 |
| Connecticut | 1.79% | $427,000 | $7,643 | $2,954 |
| Delaware | 0.61% | $390,000 | $2,379 | $2,279 |
| Florida | 0.89% | $410,000 | $3,649 | $2,727 |
| Georgia | 0.81% | $329,000 | $2,665 | $2,027 |
| Hawaii | 0.32% | $878,000 | $2,810 | $4,807 |
| Idaho | 0.55% | $474,000 | $2,607 | $2,722 |
| Illinois | 2.08% | $282,000 | $5,866 | $2,056 |
| Indiana | 0.77% | $250,000 | $1,925 | $1,541 |
| Iowa | 1.4% | $232,000 | $3,248 | $1,569 |
| Kansas | 1.26% | $252,000 | $3,175 | $1,697 |
| Kentucky | 0.72% | $233,000 | $1,678 | $1,443 |
| Louisiana | 0.56% | $208,000 | $1,165 | $1,365 |
| Maine | 1.09% | $401,000 | $4,371 | $2,500 |
| Maryland | 0.95% | $427,000 | $4,056 | $2,614 |
| Massachusetts | 1.14% | $659,000 | $7,513 | $4,108 |
| Michigan | 1.44% | $258,000 | $3,715 | $1,739 |
| Minnesota | 1.08% | $352,000 | $3,802 | $2,238 |
| Mississippi | 0.62% | $178,000 | $1,104 | $1,134 |
| Missouri | 0.89% | $262,000 | $2,332 | $1,652 |
| Montana | 0.73% | $478,000 | $3,489 | $2,849 |
| Nebraska | 1.5% | $271,000 | $4,065 | $1,867 |
| Nevada | 0.53% | $452,000 | $2,396 | $2,585 |
| New Hampshire | 1.89% | $502,000 | $9,488 | $3,437 |
| New Jersey | 2.47% | $562,000 | $13,881 | $4,174 |
| New Mexico | 0.67% | $352,000 | $2,358 | $2,085 |
| New York | 1.66% | $550,000 | $9,130 | $3,700 |
| North Carolina | 0.7% | $338,000 | $2,366 | $2,031 |
| North Dakota | 0.87% | $295,000 | $2,566 | $1,831 |
| Ohio | 1.36% | $241,000 | $3,278 | $1,600 |
| Oklahoma | 0.77% | $208,000 | $1,602 | $1,344 |
| Oregon | 0.82% | $523,000 | $4,289 | $3,102 |
| Pennsylvania | 1.36% | $271,000 | $3,686 | $1,794 |
| Rhode Island | 1.4% | $477,000 | $6,678 | $3,118 |
| South Carolina | 0.53% | $300,000 | $1,590 | $1,783 |
| South Dakota | 1.08% | $320,000 | $3,456 | $2,039 |
| Tennessee | 0.55% | $330,000 | $1,815 | $1,945 |
| Texas | 1.47% | $310,000 | $4,557 | $2,147 |
| Utah | 0.52% | $519,000 | $2,699 | $2,941 |
| Vermont | 1.68% | $402,000 | $6,754 | $2,696 |
| Virginia | 0.75% | $412,000 | $3,090 | $2,441 |
| Washington | 0.78% | $614,000 | $4,789 | $3,620 |
| West Virginia | 0.51% | $171,000 | $872 | $1,037 |
| Wisconsin | 1.53% | $309,000 | $4,728 | $2,065 |
| Wyoming | 0.55% | $362,000 | $1,991 | $2,105 |
| District of Columbia | 0.57% | $705,000 | $4,018 | $4,025 |
*Approximate 2025 averages for planning. The extremes tell the story: New Jersey's 2.47% rate versus Hawaii's 0.32% — on the same $500,000 home that is $12,350 a year against $1,600. See the property tax guide for how assessments, exemptions and escrow work, or price a specific home with the PITI calculator.