State Mortgage Calculators
Get mortgage payment estimates customized for your state — with local property tax rates, insurance averages, and first-time homebuyer programs built in.
Alabama
AHFA Step Up DPAOne of the lowest property tax rates in the US
Calculate payment →Alaska
AHFC First HomeNo income tax, no sales tax
Calculate payment →Arizona
Home Plus 5% GrantVery low property tax rate
Calculate payment →Arkansas
ADFA DPA up to $15,000Among the most affordable states to buy
Calculate payment →California
CalHFA Dream For AllLow property tax rate thanks to Prop 13
Calculate payment →Colorado
CHFA SmartStep PlusLow property tax despite high home prices
Calculate payment →Connecticut
CHFA Time to OwnBoston/NYC commuter proximity
Calculate payment →Delaware
DSHA Preferred Plus GrantNo state sales tax
Calculate payment →Florida
Florida Housing HFA PreferredNo state income tax + homestead exemption
Calculate payment →Georgia
Georgia Dream $10,000 DPAFast-growing Atlanta metro
Calculate payment →Hawaii
HHFDC Hula MaeLowest property tax rate in the US
Calculate payment →Idaho
IHFA First Loan + DPAHomeowner exemption up to $125K
Calculate payment →Illinois
IHDA Access ForgivableStudent loan payoff assistance via SmartBuy
Calculate payment →Indiana
IHCDA Next Home DPA GrantHomestead deduction for owner-occupants
Calculate payment →Iowa
IFA FirstHome PlusVery affordable entry price point
Calculate payment →Kansas
KHRC First Time HomebuyerExcellent KC suburb value in Johnson County
Calculate payment →Kentucky
KHC Regular DPA GrantUp to $10,000 in DPA available
Calculate payment →Louisiana
LHC Soft Second Mortgage$75K homestead exemption for primary residents
Calculate payment →Maine
MaineHousing Advantage DPA$25K homestead exemption
Calculate payment →Maryland
Maryland Mortgage 1st Time $6KFirst-time buyers exempt from state transfer tax
Calculate payment →Massachusetts
MassHousing ONE MortgageONE Mortgage: no PMI for qualifying buyers
Calculate payment →Michigan
MSHDA MI 10K DPA LoanPrincipal Residence Exemption reduces taxes
Calculate payment →Minnesota
MHFA Start Up + Monthly Payment Loan0% interest $17K DPA available
Calculate payment →Mississippi
MHC Smart Solution $6K GrantLowest avg home price in the US
Calculate payment →Missouri
MHDC First Place + 4% Cash4% cash assistance available
Calculate payment →Montana
Montana Housing 0% DPA LoanNo sales tax
Calculate payment →Nebraska
NIFA FirstHome Grant $5KPapillion ranked top Midwest suburb
Calculate payment →Nevada
Home Is Possible 4% GrantNo income tax + 3% assessment cap
Calculate payment →New Hampshire
NHHFA Home Flex Plus DPANo income tax, no sales tax
Calculate payment →New Jersey
NJHMFA $10K Forgivable DPANYC/Philly proximity — budget property taxes carefully
Calculate payment →New Mexico
MFA FirstDown 0% DPA0% deferred DPA up to $8K
Calculate payment →New York
SONYMA Achieving the DreamSTAR school tax relief program
Calculate payment →North Carolina
NC 1st Home Advantage $15,000Top relocation destination in the Southeast
Calculate payment →North Dakota
NDHFA DCA up to 3%Primary Residence Credit for owner-occupants
Calculate payment →Ohio
OHFA Your Choice! DPAAmong the most affordable major markets
Calculate payment →Oklahoma
OHFA Dream 3.5% GrantExcellent value in OKC and Tulsa suburbs
Calculate payment →Oregon
OHCS Oregon Bond Cash AdvantageNo sales tax, 3% assessment cap
Calculate payment →Pennsylvania
PHFA K-FIT Down PaymentAffordable Northeast option
Calculate payment →Rhode Island
Rhode Island Housing Extra AssistUp to $15K in DPA assistance
Calculate payment →South Carolina
SC Housing Palmetto Home Advantage4% assessment ratio for primary homes
Calculate payment →South Dakota
SDHDA First-time HomebuyerNo income tax, no capital gains tax
Calculate payment →Tennessee
THDA Great Choice Plus $6KNo income tax, booming Nashville market
Calculate payment →Texas
My First Texas HomeNo state income tax
Calculate payment →Utah
UHC FirstHome 4% DPASilicon Slopes tech corridor growth
Calculate payment →Vermont
VHFA MOVE + ASSIST $10KRemote worker grants available
Calculate payment →Virginia
Virginia Housing DPA GrantVirginia Housing 2.5% grant available
Calculate payment →Washington
WSHFC Home Advantage DPANo income tax — major benefit for tech workers
Calculate payment →West Virginia
WVHDF Movin' Up + USDAMost affordable home prices in the contiguous US
Calculate payment →Wisconsin
WHEDA Easy Close DPAMadison consistently top-ranked for quality of life
Calculate payment →Wyoming
WCDA Amortizing DPA $15KNo income tax, no estate tax
Calculate payment →District of Columbia
DC HPAP + DC Open DoorsHPAP provides up to $202K in gap financing
Calculate payment →Why Use a State-Specific Mortgage Calculator?
Your monthly mortgage payment is not just principal and interest. Property taxes, homeowners insurance, and (when applicable) PMI all factor into what you'll pay each month. These costs vary dramatically by state and even by county within a state.
For example, a $350,000 home in New Jersey (2.21% property tax) costs roughly $644/month in taxes alone, while the same home in Alabama (0.37%) costs just $108/month in taxes — a difference of $536/month or $6,432 per year. Over a 30-year loan, that adds up to more than $193,000.
Our state calculators pre-fill local average tax rates and insurance costs so you get a realistic starting estimate without having to research every variable yourself. You can always adjust the inputs to match your specific property and county.
What's Included in Each State Calculator
- State average effective property tax rate
- Average homeowners insurance premium
- Overview of major first-time homebuyer programs
- State-specific FAQs about mortgages and homeownership
- Closing cost considerations unique to each state
- Market overview and most affordable vs. most competitive areas
How to Compare States for Home Buying
When comparing states, look beyond the sticker price of homes. Consider the full picture:
- Property taxes: The largest variable after loan terms. New Jersey averages 2.21%; Hawaii averages 0.31% — a 7x difference on the same home value.
- State income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, and Alaska have no state income tax. California tops out at 13.3%.
- Homeowners insurance: Florida averages $4,200/year due to hurricane risk; West Virginia and Wyoming average $1,000.
- Down payment assistance: Many states offer $6,000–$202,000 in assistance for qualifying buyers (DC's HPAP being the most exceptional).
- Closing costs: States like New Jersey and DC charge significant transfer/recordation taxes; states like Oregon and Montana charge nothing.
Compare All States at a Glance
| State | Avg Home Price | Property Tax Rate | Avg Insurance/yr | Income Tax |
|---|---|---|---|---|
| Alabama | $210,000 | 0.37% | $1,600 | 2–5% |
| Alaska | $330,000 | 1.04% | $1,200 | None |
| Arizona | $440,000 | 0.51% | $1,800 | 2.5% flat |
| Arkansas | $175,000 | 0.57% | $1,800 | 2–4.4% |
| California | $793,000 | 0.71% | $1,500 | 1–13.3% |
| Colorado | $545,000 | 0.49% | $2,400 | 4.4% flat |
| Connecticut | $370,000 | 1.73% | $1,600 | 3–6.99% |
| Delaware | $345,000 | 0.53% | $1,100 | 2.2–6.6% |
| District of Columbia | $640,000 | 0.55% | $1,200 | 4–10.75% |
| Florida | $404,000 | 0.80% | $4,200 | None |
| Georgia | $365,000 | 0.83% | $1,800 | 5.49% flat |
| Hawaii | $835,000 | 0.31% | $1,200 | 1.4–11% |
| Idaho | $440,000 | 0.58% | $1,100 | 5.8% flat |
| Illinois | $270,000 | 2.07% | $1,500 | 4.95% flat |
| Indiana | $215,000 | 0.81% | $1,200 | 3.15% flat |
| Iowa | $195,000 | 1.43% | $1,100 | 4.4–6% |
| Kansas | $210,000 | 1.33% | $2,500 | 3.1–5.7% |
| Kentucky | $185,000 | 0.80% | $1,500 | 4.5% flat |
| Louisiana | $205,000 | 0.53% | $2,600 | 1.85–4.25% |
| Maine | $330,000 | 1.20% | $1,000 | 5.8–7.15% |
| Maryland | $405,000 | 0.99% | $1,400 | 2–5.75% |
| Massachusetts | $600,000 | 1.15% | $1,500 | 5% flat |
| Michigan | $235,000 | 1.38% | $1,300 | 4.25% flat |
| Minnesota | $340,000 | 1.05% | $1,600 | 5.35–9.85% |
| Mississippi | $160,000 | 0.63% | $1,700 | 5% flat |
| Missouri | $225,000 | 0.91% | $1,500 | 4.95% flat |
| Montana | $420,000 | 0.74% | $1,400 | 5.9% flat |
| Nebraska | $235,000 | 1.63% | $2,000 | 2.46–6.84% |
| Nevada | $425,000 | 0.48% | $1,200 | None |
| New Hampshire | $430,000 | 1.86% | $1,100 | None (wages) |
| New Jersey | $430,000 | 2.21% | $1,300 | 1.4–10.75% |
| New Mexico | $280,000 | 0.67% | $1,400 | 1.7–5.9% |
| New York | $410,000 | 1.40% | $1,400 | 4–10.9% |
| North Carolina | $350,000 | 0.77% | $1,600 | 4.50% flat |
| North Dakota | $240,000 | 0.94% | $1,600 | 1.1–2.9% |
| Ohio | $210,000 | 1.56% | $1,000 | 2.77–3.99% |
| Oklahoma | $195,000 | 0.85% | $2,400 | 0.25–4.75% |
| Oregon | $480,000 | 0.82% | $1,100 | 4.75–9.9% |
| Pennsylvania | $260,000 | 1.53% | $1,100 | 3.07% flat |
| Rhode Island | $410,000 | 1.40% | $1,600 | 3.75–5.99% |
| South Carolina | $295,000 | 0.53% | $1,800 | 0–6.5% |
| South Dakota | $280,000 | 1.14% | $1,700 | None |
| Tennessee | $310,000 | 0.56% | $1,600 | None |
| Texas | $315,000 | 1.60% | $3,500 | None |
| Utah | $500,000 | 0.52% | $1,100 | 4.55% flat |
| Vermont | $340,000 | 1.73% | $1,000 | 3.35–8.75% |
| Virginia | $385,000 | 0.75% | $1,300 | 2–5.75% |
| Washington | $580,000 | 0.87% | $1,300 | None (wages) |
| West Virginia | $140,000 | 0.51% | $1,000 | 3–6.5% |
| Wisconsin | $270,000 | 1.61% | $1,100 | 3.5–7.65% |
| Wyoming | $310,000 | 0.55% | $1,000 | None |