Mortgage calculator by state
Property taxes range from under 0.6% of a home's value to over 2%, and insurance from $1,500 a year to $5,500. These pages start from real local figures instead of national averages.
California
CAHigh prices, low property tax rates and an insurance market under real strain.
- Median price
- $785,000
- Property tax
- 0.71%
Texas
TXNo state income tax, but among the highest property taxes and insurance premiums in the country.
- Median price
- $305,000
- Property tax
- 1.63%
Florida
FLNo state income tax and moderate property taxes, but the most expensive home insurance in the country.
- Median price
- $400,000
- Property tax
- 0.79%
New York
NYHigh property taxes upstate, high prices downstate, and a local income tax in New York City.
- Median price
- $450,000
- Property tax
- 1.54%
Illinois
ILAffordable home prices offset by the second-highest effective property tax rate in the country.
- Median price
- $270,000
- Property tax
- 2.05%
Georgia
GAModerate prices, moderate property taxes, and one of the more balanced cost structures in the Southeast.
- Median price
- $330,000
- Property tax
- 0.87%
Arizona
AZLow property taxes and a flat 2.5% income tax, with HOA fees common across the Phoenix metro.
- Median price
- $430,000
- Property tax
- 0.56%
Washington
WANo state income tax and low insurance costs, offset by high prices around Seattle.
- Median price
- $610,000
- Property tax
- 0.83%
Median prices, effective property tax rates and insurance premiums are statewide approximations, last reviewed August 2026. Your county and municipality may differ substantially.
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