StateRateMatrix
June 2026

Mortgage Calculators by US State

Select a state below to calculate monthly mortgage payments tailored to localized effective property tax rates and home insurance premiums.

AlabamaAL

Property Tax:0.37%

Avg Insurance:$3,633/yr

Calculate in Alabama
AlaskaAK

Property Tax:0.94%

Avg Insurance:$1,397/yr

Calculate in Alaska
ArizonaAZ

Property Tax:0.48%

Avg Insurance:$2,344/yr

Calculate in Arizona
ArkansasAR

Property Tax:0.56%

Avg Insurance:$3,733/yr

Calculate in Arkansas
CaliforniaCA

Property Tax:0.75%

Avg Insurance:$1,616/yr

Calculate in California
ColoradoCO

Property Tax:0.50%

Avg Insurance:$4,963/yr

Calculate in Colorado
ConnecticutCT

Property Tax:1.54%

Avg Insurance:$1,905/yr

Calculate in Connecticut
DelawareDE

Property Tax:0.54%

Avg Insurance:$1,374/yr

Calculate in Delaware
FloridaFL

Property Tax:0.78%

Avg Insurance:$7,136/yr

Calculate in Florida
GeorgiaGA

Property Tax:0.79%

Avg Insurance:$2,323/yr

Calculate in Georgia
HawaiiHI

Property Tax:0.29%

Avg Insurance:$659/yr

Calculate in Hawaii
IdahoID

Property Tax:0.50%

Avg Insurance:$2,240/yr

Calculate in Idaho
IllinoisIL

Property Tax:1.88%

Avg Insurance:$2,643/yr

Calculate in Illinois
IndianaIN

Property Tax:0.76%

Avg Insurance:$2,887/yr

Calculate in Indiana
IowaIA

Property Tax:1.33%

Avg Insurance:$2,902/yr

Calculate in Iowa
KansasKS

Property Tax:1.21%

Avg Insurance:$5,260/yr

Calculate in Kansas
KentuckyKY

Property Tax:0.74%

Avg Insurance:$4,042/yr

Calculate in Kentucky
LouisianaLA

Property Tax:0.55%

Avg Insurance:$5,986/yr

Calculate in Louisiana
MaineME

Property Tax:0.98%

Avg Insurance:$1,335/yr

Calculate in Maine
MarylandMD

Property Tax:0.92%

Avg Insurance:$1,918/yr

Calculate in Maryland
MassachusettsMA

Property Tax:1.00%

Avg Insurance:$1,483/yr

Calculate in Massachusetts
MichiganMI

Property Tax:1.19%

Avg Insurance:$2,924/yr

Calculate in Michigan
MinnesotaMN

Property Tax:1.00%

Avg Insurance:$2,729/yr

Calculate in Minnesota
MississippiMS

Property Tax:0.58%

Avg Insurance:$2,529/yr

Calculate in Mississippi
MissouriMO

Property Tax:0.89%

Avg Insurance:$3,979/yr

Calculate in Missouri
MontanaMT

Property Tax:0.61%

Avg Insurance:$3,215/yr

Calculate in Montana
NebraskaNE

Property Tax:1.44%

Avg Insurance:$4,553/yr

Calculate in Nebraska
NevadaNV

Property Tax:0.50%

Avg Insurance:$1,774/yr

Calculate in Nevada
New HampshireNH

Property Tax:1.50%

Avg Insurance:$1,300/yr

Calculate in New Hampshire
New JerseyNJ

Property Tax:1.88%

Avg Insurance:$1,421/yr

Calculate in New Jersey
New MexicoNM

Property Tax:0.63%

Avg Insurance:$2,869/yr

Calculate in New Mexico
New YorkNY

Property Tax:1.30%

Avg Insurance:$1,683/yr

Calculate in New York
North CarolinaNC

Property Tax:0.66%

Avg Insurance:$3,124/yr

Calculate in North Carolina
North DakotaND

Property Tax:0.92%

Avg Insurance:$2,982/yr

Calculate in North Dakota
OhioOH

Property Tax:1.36%

Avg Insurance:$2,118/yr

Calculate in Ohio
OklahomaOK

Property Tax:0.79%

Avg Insurance:$5,010/yr

Calculate in Oklahoma
OregonOR

Property Tax:0.81%

Avg Insurance:$1,572/yr

Calculate in Oregon
PennsylvaniaPA

Property Tax:1.26%

Avg Insurance:$1,529/yr

Calculate in Pennsylvania
Rhode IslandRI

Property Tax:1.12%

Avg Insurance:$2,445/yr

Calculate in Rhode Island
South CarolinaSC

Property Tax:0.49%

Avg Insurance:$2,974/yr

Calculate in South Carolina
South DakotaSD

Property Tax:1.00%

Avg Insurance:$3,760/yr

Calculate in South Dakota
TennesseeTN

Property Tax:0.52%

Avg Insurance:$2,958/yr

Calculate in Tennessee
TexasTX

Property Tax:1.60%

Avg Insurance:$4,085/yr

Calculate in Texas
UtahUT

Property Tax:0.48%

Avg Insurance:$1,814/yr

Calculate in Utah
VermontVT

Property Tax:1.51%

Avg Insurance:$1,063/yr

Calculate in Vermont
VirginiaVA

Property Tax:0.78%

Avg Insurance:$2,074/yr

Calculate in Virginia
WashingtonWA

Property Tax:0.75%

Avg Insurance:$1,753/yr

Calculate in Washington
West VirginiaWV

Property Tax:0.51%

Avg Insurance:$1,860/yr

Calculate in West Virginia
WisconsinWI

Property Tax:1.32%

Avg Insurance:$1,812/yr

Calculate in Wisconsin
WyomingWY

Property Tax:0.53%

Avg Insurance:$2,075/yr

Calculate in Wyoming