FRED + BLS + Treasury · refreshed
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
| Rank | State | Effective Rate ▼ | Income Tax |
|---|---|---|---|
| 1 | New Jersey | 2.47%[1] | 10.75%[3] |
| 2 | Illinois | 2.23%[1] | 4.95% |
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
BEA RPP all-items + housing
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.
| 3 | Connecticut | 1.96%[1] | 6.99%[3] |
| 4 | New Hampshire | 1.93%[1] | None[3] |
| 5 | Wisconsin | 1.85%[1] | 7.65%[3] |
| 6 | Vermont | 1.83%[1] | 8.75%[3] |
| 7 | Texas | 1.80%[1] | None[3] |
| 8 | Nebraska | 1.73%[1] | 5.20%[3] |
| 9 | New York | 1.72%[1] | 10.90%[3] |
| 10 | Michigan | 1.58%[1] | 4.25%[3] |
| 11 | Ohio | 1.56%[1] | 3.50%[3] |
| 12 | Rhode Island | 1.53%[1] | 5.99%[3] |
| 13 | Iowa | 1.50%[1] | 3.80%[3] |
| 14 | Pennsylvania | 1.49%[1] | 3.07%[3] |
| 15 | Kansas | 1.41%[1] | 5.58%[3] |
| 16 | Maine | 1.28%[1] | 7.15%[3] |
| 17 | South Dakota | 1.24%[1] | None[3] |
| 18 | Massachusetts | 1.14%[1] | 9.00%[3] |
| 19 | Minnesota | 1.12%[1] | 9.85%[3] |
| 20 | Maryland | 1.09%[1] | 5.75%[3] |
| 21 | North Dakota | 0.98%[1] | 2.50%[3] |
| 22 | Washington | 0.98%[1] | None[3] |
| 23 | Missouri | 0.97%[1] | 4.70%[3] |
| 24 | Georgia | 0.92%[1] | 5.39%[3] |
| 25 | Oklahoma | 0.90%[1] | 4.75%[3] |
| 26 | Florida | 0.89%[1] | None[3] |
| 27 | Oregon | 0.87%[1] | 9.90%[3] |
| 28 | Indiana | 0.85%[1] | 3.00%[3] |
| 29 | Alaska | 0.84%[1] | None[3] |
| 30 | Kentucky | 0.83%[1] | 4.00%[3] |
| 31 | Montana | 0.83%[1] | 5.90%[3] |
| 32 | North Carolina | 0.82%[1] | 4.25%[3] |
| 33 | New Mexico | 0.80%[1] | 5.90%[3] |
| 34 | Virginia | 0.80%[1] | 5.75%[3] |
| 35 | Mississippi | 0.79%[1] | 4.40%[3] |
| 36 | California | 0.76%[1] | 13.30%[3] |
| 37 | Tennessee | 0.71%[1] | None[3] |
| 38 | Idaho | 0.69%[1] | 5.70%[3] |
| 39 | Arizona | 0.66%[1] | 2.50%[3] |
| 40 | Arkansas | 0.64%[1] | 3.90%[3] |
| 41 | Wyoming | 0.61%[1] | None[3] |
| 42 | Delaware | 0.58%[1] | 6.60%[3] |
| 43 | Utah | 0.58%[1] | 4.55%[3] |
| 44 | West Virginia | 0.58%[1] | 4.82%[3] |
| 45 | Nevada | 0.56%[1] | None[3] |
| 46 | Louisiana | 0.55%[1] | 3.00%[3] |
| 47 | South Carolina | 0.55%[1] | 6.20%[3] |
| 48 | District of Columbia | 0.55%[1] | 10.75%[3] |
| 49 | Colorado | 0.51%[1] | 4.40%[3] |
| 50 | Alabama | 0.41%[1] | 5.00%[3] |
| 51 | Hawaii | 0.28%[1] | 11.00%[3] |
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×.