Mortgage Calculator by State 2026

Compare mortgage payments, property tax rates, average insurance costs, and median home prices across all 50 states. Each state calculator is pre-filled with real local data.

West

CALive

California

Median: $780,000

Tax: 0.71%

Est. PITI: $4,730/mo

COSoon

Colorado

Median: $545,000

Tax: 0.48%

Est. PITI: $3,316/mo

WASoon

Washington

Median: $575,000

Tax: 0.98%

Est. PITI: $3,610/mo

ORSoon

Oregon

Median: $475,000

Tax: 0.97%

Est. PITI: $3,001/mo

NVSoon

Nevada

Median: $425,000

Tax: 0.6%

Est. PITI: $2,572/mo

AKSoon

Alaska

Median: $340,000

Tax: 1.04%

Est. PITI: $2,194/mo

HISoon

Hawaii

Median: $800,000

Tax: 0.27%

Est. PITI: $4,525/mo

MTSoon

Montana

Median: $455,000

Tax: 0.84%

Est. PITI: $2,863/mo

IDSoon

Idaho

Median: $435,000

Tax: 0.63%

Est. PITI: $2,625/mo

WYSoon

Wyoming

Median: $370,000

Tax: 0.55%

Est. PITI: $2,237/mo

UTSoon

Utah

Median: $500,000

Tax: 0.57%

Est. PITI: $2,971/mo

South

GASoon

Georgia

Median: $340,000

Tax: 0.92%

Est. PITI: $2,235/mo

NCSoon

North Carolina

Median: $345,000

Tax: 0.8%

Est. PITI: $2,223/mo

MDSoon

Maryland

Median: $425,000

Tax: 1.07%

Est. PITI: $2,739/mo

VASoon

Virginia

Median: $385,000

Tax: 0.87%

Est. PITI: $2,426/mo

TNSoon

Tennessee

Median: $330,000

Tax: 0.71%

Est. PITI: $2,125/mo

SCSoon

South Carolina

Median: $315,000

Tax: 0.57%

Est. PITI: $2,008/mo

ALSoon

Alabama

Median: $225,000

Tax: 0.4%

Est. PITI: $1,505/mo

LASoon

Louisiana

Median: $220,000

Tax: 0.55%

Est. PITI: $1,537/mo

MSSoon

Mississippi

Median: $175,000

Tax: 0.65%

Est. PITI: $1,259/mo

ARSoon

Arkansas

Median: $195,000

Tax: 0.57%

Est. PITI: $1,346/mo

KYSoon

Kentucky

Median: $215,000

Tax: 0.83%

Est. PITI: $1,459/mo

WVSoon

West Virginia

Median: $160,000

Tax: 0.59%

Est. PITI: $1,013/mo

OKSoon

Oklahoma

Median: $215,000

Tax: 0.85%

Est. PITI: $1,545/mo

Northeast

MASoon

Massachusetts

Median: $570,000

Tax: 1.2%

Est. PITI: $3,717/mo

NJSoon

New Jersey

Median: $520,000

Tax: 2.23%

Est. PITI: $3,831/mo

CTSoon

Connecticut

Median: $390,000

Tax: 1.79%

Est. PITI: $2,780/mo

VTSoon

Vermont

Median: $385,000

Tax: 1.9%

Est. PITI: $2,740/mo

NHSoon

New Hampshire

Median: $470,000

Tax: 1.93%

Est. PITI: $3,338/mo

MESoon

Maine

Median: $385,000

Tax: 1.36%

Est. PITI: $2,567/mo

RISoon

Rhode Island

Median: $455,000

Tax: 1.63%

Est. PITI: $3,162/mo

DESoon

Delaware

Median: $345,000

Tax: 0.57%

Est. PITI: $2,090/mo

Midwest

ILSoon

Illinois

Median: $295,000

Tax: 2.23%

Est. PITI: $2,267/mo

OHSoon

Ohio

Median: $240,000

Tax: 1.59%

Est. PITI: $1,711/mo

MISoon

Michigan

Median: $245,000

Tax: 1.54%

Est. PITI: $1,734/mo

MNSoon

Minnesota

Median: $340,000

Tax: 1.11%

Est. PITI: $2,247/mo

INSoon

Indiana

Median: $250,000

Tax: 0.85%

Est. PITI: $1,648/mo

WISoon

Wisconsin

Median: $300,000

Tax: 1.73%

Est. PITI: $2,103/mo

NDSoon

North Dakota

Median: $265,000

Tax: 0.88%

Est. PITI: $1,737/mo

SDSoon

South Dakota

Median: $310,000

Tax: 1.08%

Est. PITI: $2,061/mo

NESoon

Nebraska

Median: $260,000

Tax: 1.67%

Est. PITI: $1,944/mo

KSSoon

Kansas

Median: $235,000

Tax: 1.34%

Est. PITI: $1,745/mo

IASoon

Iowa

Median: $215,000

Tax: 1.57%

Est. PITI: $1,541/mo

MOSoon

Missouri

Median: $250,000

Tax: 0.97%

Est. PITI: $1,715/mo

Southwest

AZSoon

Arizona

Median: $380,000

Tax: 0.66%

Est. PITI: $2,371/mo

NMSoon

New Mexico

Median: $305,000

Tax: 0.67%

Est. PITI: $1,917/mo

All 50 States: Mortgage Cost Comparison

Sorted by median home price, highest to lowest. PITI estimate assumes 20% down, 6.99% rate, 30-year term.

State	Median Price	Tax Rate	Insurance/yr	Est. PITI
Hawaii(HI)	$800,000	0.27%	$1,100	$4,525/mo	Soon
California(CA)	$780,000	0.71%	$1,450	$4,730/mo	View →
Washington(WA)	$575,000	0.98%	$1,000	$3,610/mo	Soon
Massachusetts(MA)	$570,000	1.2%	$1,400	$3,717/mo	Soon
Colorado(CO)	$545,000	0.48%	$2,400	$3,316/mo	Soon
New Jersey(NJ)	$520,000	2.23%	$1,200	$3,831/mo	Soon
Utah(UT)	$500,000	0.57%	$900	$2,971/mo	Soon
Oregon(OR)	$475,000	0.97%	$1,100	$3,001/mo	Soon
New Hampshire(NH)	$470,000	1.93%	$1,000	$3,338/mo	Soon
New York(NY)	$455,000	1.54%	$1,400	$3,120/mo	View →
Montana(MT)	$455,000	0.84%	$1,500	$2,863/mo	Soon
Rhode Island(RI)	$455,000	1.63%	$1,500	$3,162/mo	Soon
Idaho(ID)	$435,000	0.63%	$1,000	$2,625/mo	Soon
Maryland(MD)	$425,000	1.07%	$1,200	$2,739/mo	Soon
Nevada(NV)	$425,000	0.6%	$1,200	$2,572/mo	Soon
Florida(FL)	$408,000	0.89%	$3,600	$2,772/mo	View →
Connecticut(CT)	$390,000	1.79%	$1,500	$2,780/mo	Soon
Virginia(VA)	$385,000	0.87%	$1,200	$2,426/mo	Soon
Vermont(VT)	$385,000	1.9%	$1,000	$2,740/mo	Soon
Maine(ME)	$385,000	1.36%	$1,000	$2,567/mo	Soon
Arizona(AZ)	$380,000	0.66%	$1,700	$2,371/mo	Soon
Wyoming(WY)	$370,000	0.55%	$1,200	$2,237/mo	Soon
North Carolina(NC)	$345,000	0.8%	$1,900	$2,223/mo	Soon
Delaware(DE)	$345,000	0.57%	$1,100	$2,090/mo	Soon
Georgia(GA)	$340,000	0.92%	$2,000	$2,235/mo	Soon
Minnesota(MN)	$340,000	1.11%	$1,500	$2,247/mo	Soon
Alaska(AK)	$340,000	1.04%	$1,100	$2,194/mo	Soon
Tennessee(TN)	$330,000	0.71%	$2,100	$2,125/mo	Soon
Texas(TX)	$315,000	1.68%	$3,500	$2,408/mo	View →
South Carolina(SC)	$315,000	0.57%	$2,200	$2,008/mo	Soon
South Dakota(SD)	$310,000	1.08%	$1,600	$2,061/mo	Soon
New Mexico(NM)	$305,000	0.67%	$1,500	$1,917/mo	Soon
Wisconsin(WI)	$300,000	1.73%	$900	$2,103/mo	Soon
Illinois(IL)	$295,000	2.23%	$1,800	$2,267/mo	Soon
Pennsylvania(PA)	$280,000	1.43%	$1,100	$1,914/mo	View →
North Dakota(ND)	$265,000	0.88%	$1,600	$1,737/mo	Soon
Nebraska(NE)	$260,000	1.67%	$2,400	$1,944/mo	Soon
Indiana(IN)	$250,000	0.85%	$1,700	$1,648/mo	Soon
Missouri(MO)	$250,000	0.97%	$2,200	$1,715/mo	Soon
Michigan(MI)	$245,000	1.54%	$1,400	$1,734/mo	Soon
Ohio(OH)	$240,000	1.59%	$1,400	$1,711/mo	Soon
Kansas(KS)	$235,000	1.34%	$2,800	$1,745/mo	Soon
Alabama(AL)	$225,000	0.4%	$2,800	$1,505/mo	Soon
Louisiana(LA)	$220,000	0.55%	$3,200	$1,537/mo	Soon
Kentucky(KY)	$215,000	0.83%	$2,000	$1,459/mo	Soon
Iowa(IA)	$215,000	1.57%	$1,400	$1,541/mo	Soon
Oklahoma(OK)	$215,000	0.85%	$3,000	$1,545/mo	Soon
Arkansas(AR)	$195,000	0.57%	$2,600	$1,346/mo	Soon
Mississippi(MS)	$175,000	0.65%	$2,800	$1,259/mo	Soon
West Virginia(WV)	$160,000	0.59%	$1,000	$1,013/mo	Soon

Property tax: Tax Foundation. Median price: Zillow Research. Insurance: Insurance Information Institute. Conforming limits: FHFA. All data reflects statewide averages for 2025–2026.

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