Effective property-tax rate for all 50 states — and what it costs on a typical home, paired with state income + combined sales tax for the full burden picture.
Effective property-tax rates[1] come from the Tax Foundation / Lincoln Institute of Land Policy — a weighted state-level average that captures county and municipal millages. Home values[2] use Zillow ZHVI (All-Homes, Smoothed & Seasonally Adjusted). State income-tax status[3] and combined sales rates[4]come from Tax Foundation's annual state-tax-rates releases. The estimated annual bill is just ZHVI × effective rate.
Lowest Rate
Hawaii
0.28%
Highest Rate
New Jersey
2.47%
50-State Mean
1.07%
Simple average
Last Updated
Primary-source fetch
Estimated annual tax uses ZHVI × effective rate. Actual bills vary significantly by county and municipality — a statewide average blurs Cook County vs. rural Illinois by 2×.
Property taxes are levied by local governments — counties, municipalities, school districts — not by states directly, so within-state variance is large. The effective rate shown here is the weighted state average across all local jurisdictions.
New Jersey consistently tops property-tax rankings because it relies heavily on local property taxes to fund public schools, has minimal county-level income-tax sharing, and has high home values — all three drive up the effective bill. The state offers homestead rebates that trim the sticker shock modestly.
States with low property-tax rates (Hawaii 0.29%, Alabama ~0.41%, Louisiana) typically offset with higher income or sales taxes. Hawaii's headline low rate is offset by the nation's highest median home value — the annual dollar bill isn't as low as the rate suggests. See the full picture in no-income-tax states.
Most states offer homestead exemptions that reduce assessed value for owner-occupied primary residences. Seniors often qualify for additional reductions. The effective rates shown here are aggregates that do not account for individual exemptions — your effective rate will be lower if you qualify.
Home Prices by State
ZHVI state-level home values
Household Income by State
Income context for tax burden
States With No Income Tax
Trade-offs in tax-free states
Cost of Living by State
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Current Interest Rates
PMMS + Treasury + Fed funds
Property Tax Calculator
Apply your actual home value
This page joins listStateMortgage() (for the effective property-tax rate and ZHVI home value) with listStateTaxBrackets() (for state income-tax status) and listStateSalesTax() (for combined sales rate). All three come from the unified data-repo and share the same SourcedValue provenance model.
Estimated annual tax: ZHVI × effective rate, rounded to the nearest dollar. The effective rate is a statewide weighted average; actual bills vary by county millage by up to ±50% in either direction.
Refresh cadence:Tax Foundation publishes state property-tax tables annually; the Lincoln Institute also releases a cross-state effective-rate update annually. Zillow refreshes ZHVI monthly. The “Last reviewed” date equals MAX(retrievedAt) across every consumed SourcedValue.
Known limits: within-state variance can be substantial. Cook County Illinois property tax runs ~2× the Illinois statewide effective rate; rural downstate counties run ~0.5× the statewide. Always verify with your local assessor before budgeting.
CalcFi does not sell data. If you spot an error, email hello@calcfi.app with the URL and the correct figure.
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