Mortgage calculator for every U.S. state
See your monthly payment with property tax and home insurance included. Choose a state to start from its typical home value and tax rate. The national 30-year rate is 7.4% (Freddie Mac, week of October 8, 2026).
Estimated monthly payment
- Loan amount
- $240,000
- Down payment
- $60,000
- Interest over 30 years
- $358,216
- Income needed (28% guideline)
- $84,073 a year
Estimate only. Mortgage insurance (PMI) is added when the down payment is under 20%. Real taxes, insurance and lender fees vary by property.
How this is calculated. Principal and interest use the standard fixed-rate loan formula. Pick a state to start from its average property tax rate. Home insurance is a general estimate that you can change.
Sources: Freddie Mac mortgage rate survey, week of October 8, 2026; U.S. Census Bureau American Community Survey, 2020–2024. Updated October 2026. Full methodology.
Compare all 50 states
Median home value and property tax come from the Census Bureau. The monthly payment assumes a median-value home with 20% down at 7.4% over 30 years, including property tax and insurance.
| State | Median home value | Property tax rate | Monthly payment |
|---|---|---|---|
| Alabama | $209,900 | 0.38% | $1,299 |
| Alaska | $352,900 | 1.11% | $2,399 |
| Arizona | $394,500 | 0.48% | $2,474 |
| Arkansas | $188,000 | 0.55% | $1,190 |
| California | $734,700 | 0.70% | $4,743 |
| Colorado | $539,400 | 0.48% | $3,383 |
| Connecticut | $366,900 | 1.81% | $2,708 |
| Delaware | $352,000 | 0.50% | $2,214 |
| Florida | $359,000 | 0.76% | $2,336 |
| Georgia | $303,300 | 0.77% | $1,976 |
| Hawaii | $839,100 | 0.27% | $5,116 |
| Idaho | $418,600 | 0.49% | $2,629 |
| Illinois | $263,300 | 2.01% | $1,987 |
| Indiana | $218,200 | 0.74% | $1,416 |
| Iowa | $208,000 | 1.39% | $1,462 |
| Kansas | $217,200 | 1.29% | $1,509 |
| Kentucky | $205,600 | 0.75% | $1,336 |
| Louisiana | $216,500 | 0.55% | $1,371 |
| Maine | $296,600 | 1.02% | $1,994 |
| Maryland | $419,900 | 0.97% | $2,805 |
| Massachusetts | $562,100 | 1.07% | $3,802 |
| Michigan | $231,600 | 1.25% | $1,601 |
| Minnesota | $329,300 | 1.02% | $2,214 |
| Mississippi | $169,800 | 0.72% | $1,099 |
| Missouri | $230,300 | 0.85% | $1,516 |
| Montana | $375,800 | 0.72% | $2,432 |
| Nebraska | $238,600 | 1.49% | $1,697 |
| Nevada | $435,400 | 0.47% | $2,727 |
| New Hampshire | $402,500 | 1.66% | $2,920 |
| New Jersey | $454,400 | 2.11% | $3,467 |
| New Mexico | $248,100 | 0.70% | $1,602 |
| New York | $423,800 | 1.55% | $3,036 |
| North Carolina | $288,900 | 0.66% | $1,855 |
| North Dakota | $249,900 | 0.99% | $1,674 |
| Ohio | $214,800 | 1.31% | $1,496 |
| Oklahoma | $199,800 | 0.80% | $1,306 |
| Oregon | $477,600 | 0.81% | $3,127 |
| Pennsylvania | $254,500 | 1.30% | $1,770 |
| Rhode Island | $404,200 | 1.21% | $2,781 |
| South Carolina | $259,000 | 0.48% | $1,625 |
| South Dakota | $257,400 | 1.06% | $1,739 |
| Tennessee | $286,700 | 0.50% | $1,803 |
| Texas | $283,800 | 1.49% | $2,019 |
| Utah | $489,400 | 0.52% | $3,086 |
| Vermont | $316,600 | 1.59% | $2,279 |
| Virginia | $383,700 | 0.73% | $2,487 |
| Washington | $564,600 | 0.81% | $3,697 |
| West Virginia | $162,600 | 0.53% | $1,027 |
| Wisconsin | $266,500 | 1.42% | $1,880 |
| Wyoming | $309,700 | 0.57% | $1,966 |
No state matches that search.
Highest property tax rates
- New Jersey2.11%
- Illinois2.01%
- Connecticut1.81%
- New Hampshire1.66%
- Vermont1.59%
Effective rate = median real estate tax paid divided by median home value, Census ACS 2020–2024. Last updated October 2026.