Mortgage Calculators by State
Each state calculator is pre-set with that state's effective property tax rate, average homeowners insurance and 2026 FHFA conforming loan limits.
Calculators by loan type
All 50 states
Monthly payment on each state's typical home value (Zillow), 10% down, conventional 30-year fixed.
| State | Typical home | Property tax | Insurance / yr | Conforming limit | High-cost counties | Payment |
|---|---|---|---|---|---|---|
| Alabama | $241,613 | 0.37% | $3,633 | $832,750 | 0 | $1,961 |
| Alaska | $398,663 | 0.94% | $1,397 | $1,249,125 | 30 | $3,041 |
| Arizona | $417,990 | 0.48% | $2,344 | $832,750 | 0 | $3,099 |
| Arkansas | $227,264 | 0.56% | $3,733 | $832,750 | 0 | $1,903 |
| California | $764,158 | 0.75% | $1,616 | $832,750–$1,249,125 | 17 | $5,613 |
| Colorado | $532,748 | 0.50% | $4,963 | $832,750–$1,249,125 | 20 | $4,125 |
| Connecticut | $450,873 | 1.54% | $1,905 | $832,750–$977,500 | 3 | $3,690 |
| Delaware | $406,074 | 0.54% | $1,374 | $832,750 | 0 | $2,955 |
| Florida | $375,470 | 0.78% | $7,136 | $832,750–$990,150 | 1 | $3,293 |
| Georgia | $330,817 | 0.79% | $2,323 | $832,750 | 0 | $2,578 |
| Hawaii | $833,340 | 0.29% | $659 | $1,249,125–$1,299,500 | 5 | $5,709 |
| Idaho | $478,744 | 0.50% | $2,240 | $832,750–$1,249,125 | 1 | $3,522 |
| Illinois | $297,573 | 1.88% | $2,643 | $832,750 | 0 | $2,638 |
| Indiana | $260,095 | 0.76% | $2,887 | $832,750 | 0 | $2,107 |
| Iowa | $239,547 | 1.33% | $2,902 | $832,750 | 0 | $2,079 |
| Kansas | $249,603 | 1.21% | $5,260 | $832,750 | 0 | $2,327 |
| Kentucky | $232,577 | 0.74% | $4,042 | $832,750 | 0 | $2,006 |
| Louisiana | $217,039 | 0.55% | $5,986 | $832,750 | 0 | $2,019 |
| Maine | $415,552 | 0.98% | $1,335 | $832,750 | 0 | $3,174 |
| Maryland | $428,308 | 0.92% | $1,918 | $832,750–$1,249,125 | 5 | $3,290 |
| Massachusetts | $661,896 | 1.00% | $1,483 | $832,750–$1,249,125 | 7 | $5,009 |
| Michigan | $266,292 | 1.19% | $2,924 | $832,750 | 0 | $2,249 |
| Minnesota | $350,752 | 1.00% | $2,729 | $832,750 | 0 | $2,818 |
| Mississippi | $197,606 | 0.58% | $2,529 | $832,750 | 0 | $1,603 |
| Missouri | $267,879 | 0.89% | $3,979 | $832,750 | 0 | $2,285 |
| Montana | $471,746 | 0.61% | $3,215 | $832,750 | 0 | $3,598 |
| Nebraska | $280,673 | 1.44% | $4,553 | $832,750 | 0 | $2,556 |
| Nevada | $442,027 | 0.50% | $1,774 | $832,750 | 0 | $3,225 |
| New Hampshire | $516,306 | 1.50% | $1,300 | $832,750–$962,550 | 2 | $4,131 |
| New Jersey | $580,353 | 1.88% | $1,421 | $832,750–$1,209,750 | 12 | $4,824 |
| New Mexico | $318,241 | 0.63% | $2,869 | $832,750 | 0 | $2,488 |
| New York | $526,714 | 1.30% | $1,683 | $832,750–$1,209,750 | 10 | $4,161 |
| North Carolina | $334,773 | 0.66% | $3,124 | $832,750 | 0 | $2,637 |
| North Dakota | $292,293 | 0.92% | $2,982 | $832,750 | 0 | $2,384 |
| Ohio | $248,803 | 1.36% | $2,118 | $832,750 | 0 | $2,089 |
| Oklahoma | $223,261 | 0.79% | $5,010 | $832,750 | 0 | $2,024 |
| Oregon | $496,113 | 0.81% | $1,572 | $832,750 | 0 | $3,713 |
| Pennsylvania | $290,401 | 1.26% | $1,529 | $832,750–$1,209,750 | 1 | $2,330 |
| Rhode Island | $511,233 | 1.12% | $2,445 | $832,750 | 0 | $4,026 |
| South Carolina | $306,323 | 0.49% | $2,974 | $832,750 | 0 | $2,376 |
| South Dakota | $321,574 | 1.00% | $3,760 | $832,750 | 0 | $2,689 |
| Tennessee | $334,108 | 0.52% | $2,958 | $832,750–$1,029,250 | 14 | $2,578 |
| Texas | $299,367 | 1.60% | $4,085 | $832,750 | 0 | $2,696 |
| Utah | $534,582 | 0.48% | $1,814 | $832,750–$1,150,000 | 4 | $3,867 |
| Vermont | $399,053 | 1.51% | $1,063 | $832,750 | 0 | $3,202 |
| Virginia | $414,662 | 0.78% | $2,074 | $832,750–$1,249,125 | 18 | $3,159 |
| Washington | $591,879 | 0.75% | $1,753 | $832,750–$1,063,750 | 3 | $4,391 |
| West Virginia | $179,496 | 0.51% | $1,860 | $832,750–$1,249,125 | 1 | $1,403 |
| Wisconsin | $339,699 | 1.32% | $1,812 | $832,750 | 0 | $2,751 |
| Wyoming | $371,854 | 0.53% | $2,075 | $832,750–$1,249,125 | 1 | $2,772 |