Mortgage Calculators by State
Choose a state to start with a consistent planning scenario: the 2024 ACS median owner-occupied home value, a statewide property-tax proxy derived from 2024 ACS medians, the NAIC's 2022 average HO-3 premium, 20% down, and the latest available Freddie Mac national weekly average for a 30-year fixed mortgage.
These statewide figures make the pages comparable, but they are not estimates for a particular property. Local tax jurisdictions, exemptions, insurance risks, coverage, deductibles and borrower qualifications can change the real payment substantially.
Alabama mortgage calculator
Median value: $233,300
Property-tax proxy: 0.38%
Annual insurance average: $1,748
Alaska mortgage calculator
Median value: $376,500
Property-tax proxy: 1.06%
Annual insurance average: $1,129
Arizona mortgage calculator
Median value: $426,000
Property-tax proxy: 0.43%
Annual insurance average: $1,018
Arkansas mortgage calculator
Median value: $215,600
Property-tax proxy: 0.52%
Annual insurance average: $1,740
California mortgage calculator
Median value: $759,500
Property-tax proxy: 0.71%
Annual insurance average: $1,492
Colorado mortgage calculator
Median value: $574,600
Property-tax proxy: 0.49%
Annual insurance average: $2,079
Connecticut mortgage calculator
Median value: $396,900
Property-tax proxy: 1.66%
Annual insurance average: $1,814
Delaware mortgage calculator
Median value: $371,600
Property-tax proxy: 0.47%
Annual insurance average: $1,103
Florida mortgage calculator
Median value: $396,900
Property-tax proxy: 0.75%
Annual insurance average: $2,677
Georgia mortgage calculator
Median value: $343,300
Property-tax proxy: 0.74%
Annual insurance average: $1,655
Hawaii mortgage calculator
Median value: $875,900
Property-tax proxy: 0.27%
Annual insurance average: $1,431
Idaho mortgage calculator
Median value: $446,400
Property-tax proxy: 0.43%
Annual insurance average: $1,002
Illinois mortgage calculator
Median value: $280,700
Property-tax proxy: 1.92%
Annual insurance average: $1,343
Indiana mortgage calculator
Median value: $243,500
Property-tax proxy: 0.74%
Annual insurance average: $1,191
Iowa mortgage calculator
Median value: $227,300
Property-tax proxy: 1.29%
Annual insurance average: $1,268
Kansas mortgage calculator
Median value: $238,700
Property-tax proxy: 1.25%
Annual insurance average: $1,583
Kentucky mortgage calculator
Median value: $226,000
Property-tax proxy: 0.71%
Annual insurance average: $1,359
Louisiana mortgage calculator
Median value: $223,200
Property-tax proxy: 0.53%
Annual insurance average: $2,603
Maine mortgage calculator
Median value: $341,900
Property-tax proxy: 0.91%
Annual insurance average: $1,077
Maryland mortgage calculator
Median value: $436,300
Property-tax proxy: 0.95%
Annual insurance average: $1,392
Massachusetts mortgage calculator
Median value: $607,400
Property-tax proxy: 1.00%
Annual insurance average: $1,871
Michigan mortgage calculator
Median value: $254,200
Property-tax proxy: 1.18%
Annual insurance average: $1,056
Minnesota mortgage calculator
Median value: $344,600
Property-tax proxy: 1.02%
Annual insurance average: $1,774
Mississippi mortgage calculator
Median value: $186,500
Property-tax proxy: 0.65%
Annual insurance average: $1,907
Missouri mortgage calculator
Median value: $254,400
Property-tax proxy: 0.79%
Annual insurance average: $1,668
Montana mortgage calculator
Median value: $425,400
Property-tax proxy: 0.69%
Annual insurance average: $1,639
Nebraska mortgage calculator
Median value: $263,100
Property-tax proxy: 1.42%
Annual insurance average: $1,869
Nevada mortgage calculator
Median value: $455,500
Property-tax proxy: 0.47%
Annual insurance average: $948
New Hampshire mortgage calculator
Median value: $458,800
Property-tax proxy: 1.46%
Annual insurance average: $1,188
New Jersey mortgage calculator
Median value: $496,000
Property-tax proxy: 1.89%
Annual insurance average: $1,417
New Mexico mortgage calculator
Median value: $279,900
Property-tax proxy: 0.63%
Annual insurance average: $1,322
New York mortgage calculator
Median value: $449,800
Property-tax proxy: 1.45%
Annual insurance average: $1,628
North Carolina mortgage calculator
Median value: $333,000
Property-tax proxy: 0.61%
Annual insurance average: $1,621
North Dakota mortgage calculator
Median value: $266,100
Property-tax proxy: 0.96%
Annual insurance average: $1,325
Ohio mortgage calculator
Median value: $239,800
Property-tax proxy: 1.22%
Annual insurance average: $995
Oklahoma mortgage calculator
Median value: $222,100
Property-tax proxy: 0.75%
Annual insurance average: $2,268
Oregon mortgage calculator
Median value: $497,500
Property-tax proxy: 0.78%
Annual insurance average: $893
Pennsylvania mortgage calculator
Median value: $277,600
Property-tax proxy: 1.16%
Annual insurance average: $1,120
Rhode Island mortgage calculator
Median value: $455,700
Property-tax proxy: 1.07%
Annual insurance average: $2,074
South Carolina mortgage calculator
Median value: $299,500
Property-tax proxy: 0.45%
Annual insurance average: $1,571
South Dakota mortgage calculator
Median value: $289,600
Property-tax proxy: 1.02%
Annual insurance average: $1,756
Tennessee mortgage calculator
Median value: $332,600
Property-tax proxy: 0.45%
Annual insurance average: $1,492
Texas mortgage calculator
Median value: $313,200
Property-tax proxy: 1.31%
Annual insurance average: $2,397
Utah mortgage calculator
Median value: $545,200
Property-tax proxy: 0.49%
Annual insurance average: $937
Vermont mortgage calculator
Median value: $352,800
Property-tax proxy: 1.42%
Annual insurance average: $1,109
Virginia mortgage calculator
Median value: $403,500
Property-tax proxy: 0.71%
Annual insurance average: $1,332
Washington mortgage calculator
Median value: $602,200
Property-tax proxy: 0.79%
Annual insurance average: $1,151
West Virginia mortgage calculator
Median value: $170,800
Property-tax proxy: 0.52%
Annual insurance average: $1,113
Wisconsin mortgage calculator
Median value: $294,700
Property-tax proxy: 1.25%
Annual insurance average: $957
Wyoming mortgage calculator
Median value: $339,500
Property-tax proxy: 0.57%
Annual insurance average: $1,596
Data used on every state page
Home values and the property-tax proxy come from the U.S. Census Bureau's 2024 American Community Survey. The insurance input comes from the NAIC's 2022 homeowners insurance report. Read the exact definitions and limitations in our sources and formula changelog.
