Mortgage Calculator by State
Every state has different property taxes, insurance costs, and loan limits. Select your state for a calculator pre-filled with local data.
Hawaii 0.28%
Lowest Property Tax
vs. 2.23% in NJ
West Virginia
Most Affordable
Median ~$155K
$1,149,825
Highest Conforming Limit
AK, HI, CA, NY, NJ, MA, MD, WA, VA
9 States
No Income Tax States
FL, TX, WA, NV, AK, SD, WY, TN, NH
All 50 States
ALAlabama
AffordableMedian Price
$220,000
Property Tax
0.41%
30-yr Rate
7.25%
AKAlaska
StableMedian Price
$340,000
Property Tax
1.04%
30-yr Rate
7.25%
AZArizona
CoolingMedian Price
$420,000
Property Tax
0.62%
30-yr Rate
7.25%
ARArkansas
AffordableMedian Price
$195,000
Property Tax
0.62%
30-yr Rate
7.25%
CACalifornia
High CostMedian Price
$750,000
Property Tax
0.73%
30-yr Rate
7.25%
COColorado
CoolingMedian Price
$540,000
Property Tax
0.51%
30-yr Rate
7.25%
CTConnecticut
StableMedian Price
$380,000
Property Tax
2.14%
30-yr Rate
7.25%
DEDelaware
StableMedian Price
$330,000
Property Tax
0.57%
30-yr Rate
7.25%
FLFlorida
CoolingMedian Price
$410,000
Property Tax
0.89%
30-yr Rate
7.25%
GAGeorgia
StableMedian Price
$320,000
Property Tax
0.92%
30-yr Rate
7.25%
HIHawaii
High CostMedian Price
$830,000
Property Tax
0.28%
30-yr Rate
7.25%
IDIdaho
CoolingMedian Price
$430,000
Property Tax
0.69%
30-yr Rate
7.25%
ILIllinois
StableMedian Price
$270,000
Property Tax
2.27%
30-yr Rate
7.25%
INIndiana
AffordableMedian Price
$240,000
Property Tax
0.85%
30-yr Rate
7.25%
IAIowa
AffordableMedian Price
$210,000
Property Tax
1.57%
30-yr Rate
7.25%
KSKansas
AffordableMedian Price
$215,000
Property Tax
1.41%
30-yr Rate
7.25%
KYKentucky
AffordableMedian Price
$210,000
Property Tax
0.86%
30-yr Rate
7.25%
LALouisiana
AffordableMedian Price
$215,000
Property Tax
0.55%
30-yr Rate
7.25%
MEMaine
StableMedian Price
$360,000
Property Tax
1.36%
30-yr Rate
7.25%
MDMaryland
StableMedian Price
$400,000
Property Tax
1.09%
30-yr Rate
7.25%
MAMassachusetts
High CostMedian Price
$580,000
Property Tax
1.23%
30-yr Rate
7.25%
MIMichigan
AffordableMedian Price
$240,000
Property Tax
1.54%
30-yr Rate
7.25%
MNMinnesota
StableMedian Price
$330,000
Property Tax
1.12%
30-yr Rate
7.25%
MSMississippi
AffordableMedian Price
$175,000
Property Tax
0.65%
30-yr Rate
7.25%
MOMissouri
AffordableMedian Price
$230,000
Property Tax
1.01%
30-yr Rate
7.25%
MTMontana
CoolingMedian Price
$430,000
Property Tax
0.84%
30-yr Rate
7.25%
NENebraska
AffordableMedian Price
$250,000
Property Tax
1.73%
30-yr Rate
7.25%
NVNevada
CoolingMedian Price
$420,000
Property Tax
0.60%
30-yr Rate
7.25%
NHNew Hampshire
StableMedian Price
$430,000
Property Tax
2.18%
30-yr Rate
7.25%
NJNew Jersey
StableMedian Price
$490,000
Property Tax
2.23%
30-yr Rate
7.25%
NMNew Mexico
StableMedian Price
$290,000
Property Tax
0.80%
30-yr Rate
7.25%
NYNew York
High CostMedian Price
$450,000
Property Tax
1.72%
30-yr Rate
7.25%
NCNorth Carolina
StableMedian Price
$330,000
Property Tax
0.82%
30-yr Rate
7.25%
NDNorth Dakota
StableMedian Price
$250,000
Property Tax
0.98%
30-yr Rate
7.25%
OHOhio
AffordableMedian Price
$230,000
Property Tax
1.59%
30-yr Rate
7.25%
OKOklahoma
AffordableMedian Price
$210,000
Property Tax
0.90%
30-yr Rate
7.25%
OROregon
CoolingMedian Price
$490,000
Property Tax
0.97%
30-yr Rate
7.25%
PAPennsylvania
StableMedian Price
$280,000
Property Tax
1.58%
30-yr Rate
7.25%
RIRhode Island
StableMedian Price
$430,000
Property Tax
1.63%
30-yr Rate
7.25%
SCSouth Carolina
StableMedian Price
$290,000
Property Tax
0.57%
30-yr Rate
7.25%
SDSouth Dakota
StableMedian Price
$290,000
Property Tax
1.14%
30-yr Rate
7.25%
TNTennessee
CoolingMedian Price
$310,000
Property Tax
0.71%
30-yr Rate
7.25%
TXTexas
CoolingMedian Price
$310,000
Property Tax
1.80%
30-yr Rate
7.25%
UTUtah
CoolingMedian Price
$500,000
Property Tax
0.58%
30-yr Rate
7.25%
VTVermont
StableMedian Price
$380,000
Property Tax
1.90%
30-yr Rate
7.25%
VAVirginia
StableMedian Price
$390,000
Property Tax
0.82%
30-yr Rate
7.25%
WAWashington
CoolingMedian Price
$570,000
Property Tax
0.98%
30-yr Rate
7.25%
WVWest Virginia
AffordableMedian Price
$155,000
Property Tax
0.59%
30-yr Rate
7.25%
WIWisconsin
StableMedian Price
$280,000
Property Tax
1.85%
30-yr Rate
7.25%
WYWyoming
StableMedian Price
$330,000
Property Tax
0.61%
30-yr Rate
7.25%
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State-by-State Comparison
Sorted by property tax rate (lowest to highest)
| State | Median Price | Property Tax | Avg Insurance/mo | Conforming Limit | |
|---|---|---|---|---|---|
HIHawaii | $830,000 | 0.28% | $100/mo | $1,149,825 | Calculate → |
ALAlabama | $220,000 | 0.41% | $125/mo | $766,550 | Calculate → |
COColorado | $540,000 | 0.51% | $150/mo | $766,550 | Calculate → |
LALouisiana | $215,000 | 0.55% | $233/mo | $766,550 | Calculate → |
DEDelaware | $330,000 | 0.57% | $92/mo | $766,550 | Calculate → |
SCSouth Carolina | $290,000 | 0.57% | $183/mo | $766,550 | Calculate → |
UTUtah | $500,000 | 0.58% | $100/mo | $766,550 | Calculate → |
WVWest Virginia | $155,000 | 0.59% | $100/mo | $766,550 | Calculate → |
NVNevada | $420,000 | 0.60% | $100/mo | $766,550 | Calculate → |
WYWyoming | $330,000 | 0.61% | $100/mo | $766,550 | Calculate → |
AZArizona | $420,000 | 0.62% | $117/mo | $766,550 | Calculate → |
ARArkansas | $195,000 | 0.62% | $133/mo | $766,550 | Calculate → |
MSMississippi | $175,000 | 0.65% | $150/mo | $766,550 | Calculate → |
IDIdaho | $430,000 | 0.69% | $100/mo | $766,550 | Calculate → |
TNTennessee | $310,000 | 0.71% | $133/mo | $766,550 | Calculate → |
CACalifornia | $750,000 | 0.73% | $125/mo | $1,149,825 | Calculate → |
NMNew Mexico | $290,000 | 0.80% | $117/mo | $766,550 | Calculate → |
NCNorth Carolina | $330,000 | 0.82% | $133/mo | $766,550 | Calculate → |
VAVirginia | $390,000 | 0.82% | $108/mo | $1,149,825 | Calculate → |
MTMontana | $430,000 | 0.84% | $100/mo | $766,550 | Calculate → |
INIndiana | $240,000 | 0.85% | $108/mo | $766,550 | Calculate → |
KYKentucky | $210,000 | 0.86% | $117/mo | $766,550 | Calculate → |
FLFlorida | $410,000 | 0.89% | $300/mo | $766,550 | Calculate → |
OKOklahoma | $210,000 | 0.90% | $292/mo | $766,550 | Calculate → |
GAGeorgia | $320,000 | 0.92% | $133/mo | $766,550 | Calculate → |
OROregon | $490,000 | 0.97% | $100/mo | $766,550 | Calculate → |
NDNorth Dakota | $250,000 | 0.98% | $117/mo | $766,550 | Calculate → |
WAWashington | $570,000 | 0.98% | $100/mo | $1,149,825 | Calculate → |
MOMissouri | $230,000 | 1.01% | $133/mo | $766,550 | Calculate → |
AKAlaska | $340,000 | 1.04% | $100/mo | $1,149,825 | Calculate → |
MDMaryland | $400,000 | 1.09% | $100/mo | $1,149,825 | Calculate → |
MNMinnesota | $330,000 | 1.12% | $125/mo | $766,550 | Calculate → |
SDSouth Dakota | $290,000 | 1.14% | $117/mo | $766,550 | Calculate → |
MAMassachusetts | $580,000 | 1.23% | $117/mo | $1,149,825 | Calculate → |
MEMaine | $360,000 | 1.36% | $92/mo | $766,550 | Calculate → |
KSKansas | $215,000 | 1.41% | $183/mo | $766,550 | Calculate → |
MIMichigan | $240,000 | 1.54% | $108/mo | $766,550 | Calculate → |
IAIowa | $210,000 | 1.57% | $117/mo | $766,550 | Calculate → |
PAPennsylvania | $280,000 | 1.58% | $100/mo | $766,550 | Calculate → |
OHOhio | $230,000 | 1.59% | $108/mo | $766,550 | Calculate → |
RIRhode Island | $430,000 | 1.63% | $108/mo | $766,550 | Calculate → |
NYNew York | $450,000 | 1.72% | $117/mo | $1,149,825 | Calculate → |
NENebraska | $250,000 | 1.73% | $150/mo | $766,550 | Calculate → |
TXTexas | $310,000 | 1.80% | $175/mo | $766,550 | Calculate → |
WIWisconsin | $280,000 | 1.85% | $108/mo | $766,550 | Calculate → |
VTVermont | $380,000 | 1.90% | $92/mo | $766,550 | Calculate → |
CTConnecticut | $380,000 | 2.14% | $117/mo | $766,550 | Calculate → |
NHNew Hampshire | $430,000 | 2.18% | $92/mo | $766,550 | Calculate → |
NJNew Jersey | $490,000 | 2.23% | $108/mo | $1,149,825 | Calculate → |
ILIllinois | $270,000 | 2.27% | $117/mo | $766,550 | Calculate → |
Why Property Taxes Vary So Much by State
Property taxes are one of the most significant — and most overlooked — factors in your monthly mortgage payment. The difference between living in Hawaii (0.28% average rate) and New Jersey (2.23% average rate) on a $400,000 home is over $780 per month in property taxes alone. Our state-specific calculators automatically factor in your state's average property tax rate so you get an accurate picture of your true monthly housing cost.
Conforming Loan Limits by State
The conforming loan limit determines whether you need a conventional loan or a jumbo loan. In 2026, the standard conforming limit is $766,550. However, high-cost states including Alaska, Hawaii, California, New York, New Jersey, Massachusetts, Maryland, Washington, and Virginia have limits up to $1,149,825 in qualifying counties. Jumbo loans typically require a higher credit score, larger down payment, and more cash reserves.
State Homebuyer Assistance Programs
Every state has a housing finance agency that offers below-market interest rates and down payment assistance for qualifying buyers. These programs can save first-time buyers thousands of dollars. Each state calculator page includes information about your state's specific programs.