🏠 Mortgage Calculator by State — 2026
Compare mortgage costs across all 50 states. Each calculator includes state-specific property tax rates, average home prices, insurance costs, PMI estimates, and full amortization schedules.
📈 Highest Property Tax States
- New Jersey — 2.49%
- Illinois — 2.27%
- New Hampshire — 2.18%
- Connecticut — 2.15%
- Vermont — 1.9%
📉 Lowest Property Tax States
- Hawaii — 0.28%
- Alabama — 0.41%
- Colorado — 0.51%
- Louisiana — 0.55%
- Delaware — 0.57%
💰 Most Expensive Markets
- Hawaii — $835,000
- California — $785,000
- Massachusetts — $595,000
- Washington — $585,000
- Colorado — $545,000
🏡 Most Affordable Markets
- West Virginia — $145,000
- Mississippi — $175,000
- Kentucky — $198,000
- Oklahoma — $200,000
- Arkansas — $202,000
All 50 States
Alabama 0.41% $232,000
Alaska 1.19% $340,000
Arizona 0.62% $410,000
Arkansas 0.62% $202,000
California 0.74% $785,000
Colorado 0.51% $545,000
Connecticut 2.15% $385,000
Delaware 0.57% $350,000
Florida 0.89% $405,000
Georgia 0.92% $355,000
Hawaii 0.28% $835,000
Idaho 0.69% $445,000
Illinois 2.27% $255,000
Indiana 0.85% $240,000
Iowa 1.57% $210,000
Kansas 1.41% $225,000
Kentucky 0.86% $198,000
Louisiana 0.55% $210,000
Maine 1.36% $365,000
Maryland 1.09% $420,000
Massachusetts 1.23% $595,000
Michigan 1.54% $245,000
Minnesota 1.12% $340,000
Mississippi 0.81% $175,000
Missouri 0.97% $240,000
Montana 0.84% $450,000
Nebraska 1.73% $260,000
Nevada 0.6% $425,000
New Hampshire 2.18% $450,000
New Jersey 2.49% $505,000
New Mexico 0.8% $310,000
New York 1.72% $420,000
North Carolina 0.84% $350,000
North Dakota 0.98% $260,000
Ohio 1.56% $215,000
Oklahoma 0.9% $200,000
Oregon 0.97% $500,000
Pennsylvania 1.58% $280,000
Rhode Island 1.63% $420,000
South Carolina 0.57% $315,000
South Dakota 1.22% $300,000
Tennessee 0.71% $340,000
Texas 1.8% $345,000
Utah 0.63% $510,000
Vermont 1.9% $380,000
Virginia 0.82% $400,000
Washington 0.98% $585,000
West Virginia 0.58% $145,000
Wisconsin 1.76% $280,000
Wyoming 0.61% $340,000