Data Sources
Last reviewed: July 19, 2026
The calculators on Payoff Logic do the math on numbers you enter — but several of them prefill real-world reference figures to save you time. This page lists every one of those datasets, the source it comes from, and the year it represents. Our approach to this data is described in our Editorial Policy & Methodology.
Important: prefilled figures are planning defaults, not quotes for your situation. Property taxes vary by county and city, insurance varies by home and insurer, home values move monthly, and rates change constantly. Every prefilled value stays fully editable — replace it with your real numbers.
State property-tax rates
Prefilled in the mortgage calculator and every state mortgage page.
What it represents: Effective property tax rate on owner-occupied housing, calendar year 2023 (Tax Foundation analysis of Census ACS data, published 2025)
Typical home values
Prefilled home price on state mortgage pages.
What it represents: Typical home value, Zillow Home Value Index (ZHVI), 2025, rounded to the nearest $5,000
Homeowners insurance averages
Prefilled insurance figure in mortgage payment estimates.
What it represents: Average annual homeowners insurance premium for $300k dwelling coverage (Bankrate/Quadrant 2025), rounded to the nearest $50
Vehicle sales-tax rates & trade-in rules
State tax logic in the auto loan calculator.
What it represents: State base sales-tax rate on vehicle purchases, and whether the state grants a trade-in tax credit (2025–2026).
FHA loan parameters
Upfront and annual MIP rates and durations in the FHA calculator.
What it represents: HUD Mortgagee Letter 2023-05: upfront MIP 1.75%; annual MIP 0.15–0.55% by loan-to-value and term; 11-year vs. life-of-loan duration. Unchanged as of July 2026.
VA funding fee schedule
Funding-fee tiers in the VA calculator.
What it represents: VA.gov permanent funding-fee schedule effective April 7, 2023: first use 1.25–2.15%, subsequent use 1.25–3.30% by down payment; exemptions apply. Unchanged as of July 2026.
Conforming loan limit
The jumbo-loan threshold used on loan-amount pages.
What it represents: FHFA 2025 baseline conforming loan limit: $806,500. Loans above this are jumbo.
Full source list
Property tax, home value & insurance
- Tax Foundation, 'Property Taxes by State and County' (2023 data)
- U.S. Census Bureau, American Community Survey (underlying tax/value data)
- Zillow Home Value Index (ZHVI), zillow.com/research/data
- Bankrate, 'Average cost of homeowners insurance' (2025, Quadrant Information Services data)
- State revenue department publications (transfer taxes, homestead rules)
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.
Vehicle sales tax & trade-in rules
- Florida Dept. of Revenue TIP 26A01-01, 'Motor Vehicle Sales Tax Rates by State' (Feb 11, 2026)
- Individual state DOR/DMV published vehicle tax rates (2025-2026)
- NerdWallet, 'Does a Trade-In Reduce Sales Tax?' (trade-in credit rules)
State-level base rate on vehicle purchases only. Many states add county/city/district taxes (often 1-5%). Rates prefill the calculator but stay fully editable - buyers should verify with their state DMV/DOR.
Government loan programs
- U.S. Department of Housing and Urban Development (HUD), Mortgagee Letter 2023-05 (FHA MIP).
- U.S. Department of Veterans Affairs (VA.gov), VA funding fee schedule effective April 7, 2023.
- Federal Housing Finance Agency (FHFA), 2025 conforming loan limits.
Data compiled 2026-07-11. Found a figure that looks off? Tell us — see our correction policy.