Payoff Logic

Mortgage Calculator by State

The same house payment looks very different across state lines: property tax rates span 0.27% to 2.23% and average insurance runs from $850 to $6,425 a year. Pick your state for a calculator preloaded with its real numbers — from West Virginia's $1,035/month typical-home example to California's $4,592.

State Typical home Property tax Insurance / yr Example payment*
Alabama $230,000 0.38% $3,539 $1,531/mo
Alaska $360,000 1.07% $1,300 $2,250/mo
Arizona $430,000 0.45% $2,500 $2,544/mo
Arkansas $210,000 0.53% $3,900 $1,480/mo
California $790,000 0.68% $1,800 $4,592/mo
Colorado $550,000 0.49% $3,800 $3,322/mo
Connecticut $410,000 1.92% $2,000 $2,896/mo
Delaware $385,000 0.47% $1,300 $2,206/mo
Florida $400,000 0.71% $5,735 $2,737/mo
Georgia $330,000 0.81% $2,400 $2,091/mo
Hawaii $830,000 0.27% $850 $4,455/mo
Idaho $445,000 0.47% $1,700 $2,566/mo
Illinois $265,000 2.07% $2,900 $2,039/mo
Indiana $245,000 0.71% $2,700 $1,609/mo
Iowa $225,000 1.4% $3,300 $1,675/mo
Kansas $230,000 1.26% $4,800 $1,805/mo
Kentucky $210,000 0.74% $3,000 $1,441/mo
Louisiana $200,000 0.51% $6,274 $1,619/mo
Maine $400,000 0.96% $1,400 $2,459/mo
Maryland $425,000 0.95% $1,900 $2,644/mo
Massachusetts $640,000 1.04% $2,000 $3,958/mo
Michigan $250,000 1.24% $2,700 $1,747/mo
Minnesota $340,000 0.98% $3,000 $2,247/mo
Mississippi $180,000 0.7% $3,600 $1,315/mo
Missouri $245,000 0.88% $3,600 $1,719/mo
Montana $455,000 0.69% $3,000 $2,812/mo
Nebraska $260,000 1.44% $6,425 $2,162/mo
Nevada $440,000 0.49% $1,400 $2,521/mo
New Hampshire $480,000 1.61% $1,500 $3,196/mo
New Jersey $570,000 2.23% $1,400 $4,058/mo
New Mexico $300,000 0.67% $2,300 $1,876/mo
New York $470,000 1.54% $1,900 $3,138/mo
North Carolina $330,000 0.63% $2,700 $2,067/mo
North Dakota $265,000 0.97% $3,300 $1,829/mo
Ohio $235,000 1.3% $2,000 $1,610/mo
Oklahoma $205,000 0.76% $6,000 $1,666/mo
Oregon $500,000 0.77% $1,300 $2,957/mo
Pennsylvania $270,000 1.26% $1,600 $1,782/mo
Rhode Island $465,000 1.32% $2,300 $3,054/mo
South Carolina $300,000 0.51% $2,700 $1,869/mo
South Dakota $300,000 1.01% $3,700 $2,078/mo
Tennessee $320,000 0.48% $2,900 $1,988/mo
Texas $300,000 1.58% $4,400 $2,279/mo
Utah $520,000 0.47% $1,600 $2,966/mo
Vermont $385,000 1.71% $1,000 $2,579/mo
Virginia $390,000 0.72% $2,300 $2,398/mo
Washington $590,000 0.76% $1,500 $3,482/mo
West Virginia $165,000 0.49% $1,600 $1,035/mo
Wisconsin $300,000 1.38% $1,600 $1,995/mo
Wyoming $340,000 0.55% $1,700 $2,017/mo

*Typical home for the state, 20% down, 30-year loan at an illustrative 6.5% rate, including average property tax and insurance. Enter a real quote on the state page.

Why state pages instead of one calculator?

Property tax and insurance are the two payment components people forget to localize — and they vary more than rates do. A $400,000 home carries about $743/month of tax in the highest-rate state but only $90 in the lowest; insurance spreads even wider (50-state average: $2,682/yr). Each state page preloads those defaults — sourced and dated — so the first number you see is already realistic for your market.

Data & sources: Effective property tax rate on owner-occupied housing, calendar year 2023 (Tax Foundation analysis of Census ACS data, published 2025). Typical home value, Zillow Home Value Index (ZHVI), 2025, rounded to the nearest $5,000. Average annual homeowners insurance premium for $300k dwelling coverage (Bankrate/Quadrant 2025), rounded to the nearest $50. State-level figures are planning defaults, not quotes: property taxes vary by county and city, insurance varies by home and insurer, and home values move monthly. Every value prefills the calculator but remains editable.