How to use this calculator
- Enter a 5-digit ZIP code to load the effective tax rate for that area.
- Enter the home value.
- Read the estimated annual tax and the monthly escrow amount.
Effective property tax rates by state
The U.S. effective rate is 0.94%: a median of $3,119 in real estate taxes on a median home value of $332,700. Rates vary more than tenfold between states.
| Rank | State | Effective rate | Median tax paid | Median home value | Tax on a $400k home |
|---|---|---|---|---|---|
| 1 | New Jersey | 2.11% | $9,590 | $454,400 | $8,440 |
| 2 | Illinois | 2.01% | $5,298 | $263,300 | $8,040 |
| 3 | Connecticut | 1.81% | $6,643 | $366,900 | $7,240 |
| 4 | New Hampshire | 1.66% | $6,667 | $402,500 | $6,640 |
| 5 | Vermont | 1.59% | $5,039 | $316,600 | $6,360 |
| 6 | New York | 1.55% | $6,582 | $423,800 | $6,200 |
| 7 | Nebraska | 1.49% | $3,549 | $238,600 | $5,960 |
| 8 | Texas | 1.49% | $4,232 | $283,800 | $5,960 |
| 9 | Wisconsin | 1.42% | $3,792 | $266,500 | $5,680 |
| 10 | Iowa | 1.39% | $2,897 | $208,000 | $5,560 |
| 11 | Ohio | 1.31% | $2,822 | $214,800 | $5,240 |
| 12 | Pennsylvania | 1.30% | $3,311 | $254,500 | $5,200 |
| 13 | Kansas | 1.29% | $2,798 | $217,200 | $5,160 |
| 14 | Michigan | 1.25% | $2,904 | $231,600 | $5,000 |
| 15 | Rhode Island | 1.21% | $4,900 | $404,200 | $4,840 |
| 16 | Alaska | 1.11% | $3,901 | $352,900 | $4,440 |
| 17 | Massachusetts | 1.07% | $5,992 | $562,100 | $4,280 |
| 18 | South Dakota | 1.06% | $2,724 | $257,400 | $4,240 |
| 19 | Maine | 1.02% | $3,036 | $296,600 | $4,080 |
| 20 | Minnesota | 1.02% | $3,357 | $329,300 | $4,080 |
| 21 | North Dakota | 0.99% | $2,468 | $249,900 | $3,960 |
| 22 | Maryland | 0.97% | $4,093 | $419,900 | $3,880 |
| 23 | Missouri | 0.85% | $1,948 | $230,300 | $3,400 |
| 24 | Oregon | 0.81% | $3,876 | $477,600 | $3,240 |
| 25 | Washington | 0.81% | $4,556 | $564,600 | $3,240 |
| 26 | Oklahoma | 0.80% | $1,599 | $199,800 | $3,200 |
| 27 | Georgia | 0.77% | $2,341 | $303,300 | $3,080 |
| 28 | Florida | 0.76% | $2,730 | $359,000 | $3,040 |
| 29 | Kentucky | 0.75% | $1,544 | $205,600 | $3,000 |
| 30 | Indiana | 0.74% | $1,614 | $218,200 | $2,960 |
| 31 | Virginia | 0.73% | $2,790 | $383,700 | $2,920 |
| 32 | Mississippi | 0.72% | $1,215 | $169,800 | $2,880 |
| 33 | Montana | 0.72% | $2,693 | $375,800 | $2,880 |
| 34 | California | 0.70% | $5,124 | $734,700 | $2,800 |
| 35 | New Mexico | 0.70% | $1,731 | $248,100 | $2,800 |
| 36 | North Carolina | 0.66% | $1,896 | $288,900 | $2,640 |
| 37 | District of Columbia | 0.58% | $4,312 | $737,100 | $2,320 |
| 38 | Wyoming | 0.57% | $1,767 | $309,700 | $2,280 |
| 39 | Arkansas | 0.55% | $1,040 | $188,000 | $2,200 |
| 40 | Louisiana | 0.55% | $1,180 | $216,500 | $2,200 |
| 41 | West Virginia | 0.53% | $865 | $162,600 | $2,120 |
| 42 | Utah | 0.52% | $2,525 | $489,400 | $2,080 |
| 43 | Delaware | 0.50% | $1,768 | $352,000 | $2,000 |
| 44 | Tennessee | 0.50% | $1,442 | $286,700 | $2,000 |
| 45 | Idaho | 0.49% | $2,038 | $418,600 | $1,960 |
| 46 | Puerto Rico | 0.49% | $646 | $131,500 | $1,960 |
| 47 | Arizona | 0.48% | $1,879 | $394,500 | $1,920 |
| 48 | Colorado | 0.48% | $2,602 | $539,400 | $1,920 |
| 49 | South Carolina | 0.48% | $1,251 | $259,000 | $1,920 |
| 50 | Nevada | 0.47% | $2,027 | $435,400 | $1,880 |
| 51 | Alabama | 0.38% | $788 | $209,900 | $1,520 |
| 52 | Hawaii | 0.27% | $2,239 | $839,100 | $1,080 |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, tables B25103 (median real estate taxes paid) and B25077 (median value of owner-occupied homes). Effective rate = median tax ÷ median value; your bill depends on your assessment, exemptions and local levies.
Why your bill may differ
Property tax is set locally: a county or city assesses your home, applies exemptions (homestead, senior, veteran), then multiplies by the combined levy of the county, school district and other districts. New buyers in states with assessment caps (such as California under Proposition 13) are often taxed at the purchase price, so their bill can be higher than the median rate suggests. Use the rate here for budgeting and check your county assessor's site for the exact figure.
To see what tax adds to a monthly payment, use the mortgage calculator: enter a ZIP and it fills the rate for you.
Frequently asked questions
Which state has the highest property tax?
New Jersey, at an effective rate of about 2.11% (Census ACS 2020–2024).
Which state has the lowest property tax?
Hawaii, at about 0.27%.
How is the effective rate calculated?
Median real estate taxes paid divided by median owner-occupied home value, from the same Census survey.