Alabama (AL)
Property tax estimate: 0.38%
Avg. annual insurance: $2,820
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U.S. State Mortgage Guides
Explore all 50 state pages with mortgage planning context, tax and insurance baselines, and calculator defaults.
All States
Select your state to open a focused mortgage guide.
Alaska (AK)
Property tax estimate: 1.18%
Avg. annual insurance: $1,290
Arizona (AZ)
Property tax estimate: 0.62%
Avg. annual insurance: $2,100
Arkansas (AR)
Property tax estimate: 0.61%
Avg. annual insurance: $3,450
California (CA)
Property tax estimate: 0.71%
Avg. annual insurance: $1,640
Colorado (CO)
Property tax estimate: 0.49%
Avg. annual insurance: $3,220
Connecticut (CT)
Property tax estimate: 1.92%
Avg. annual insurance: $2,210
Delaware (DE)
Property tax estimate: 0.57%
Avg. annual insurance: $1,030
Florida (FL)
Property tax estimate: 0.83%
Avg. annual insurance: $5,890
Georgia (GA)
Property tax estimate: 0.92%
Avg. annual insurance: $2,210
Hawaii (HI)
Property tax estimate: 0.29%
Avg. annual insurance: $670
Idaho (ID)
Property tax estimate: 0.63%
Avg. annual insurance: $1,540
Illinois (IL)
Property tax estimate: 2.07%
Avg. annual insurance: $2,570
Indiana (IN)
Property tax estimate: 0.84%
Avg. annual insurance: $1,650
Iowa (IA)
Property tax estimate: 1.43%
Avg. annual insurance: $2,250
Kansas (KS)
Property tax estimate: 1.41%
Avg. annual insurance: $3,130
Kentucky (KY)
Property tax estimate: 0.86%
Avg. annual insurance: $2,470
Louisiana (LA)
Property tax estimate: 0.55%
Avg. annual insurance: $3,820
Maine (ME)
Property tax estimate: 1.09%
Avg. annual insurance: $1,640
Maryland (MD)
Property tax estimate: 1.04%
Avg. annual insurance: $1,860
Massachusetts (MA)
Property tax estimate: 1.14%
Avg. annual insurance: $1,950
Michigan (MI)
Property tax estimate: 1.31%
Avg. annual insurance: $2,200
Minnesota (MN)
Property tax estimate: 1.08%
Avg. annual insurance: $2,490
Mississippi (MS)
Property tax estimate: 0.75%
Avg. annual insurance: $3,510
Missouri (MO)
Property tax estimate: 0.97%
Avg. annual insurance: $2,480
Montana (MT)
Property tax estimate: 0.74%
Avg. annual insurance: $2,380
Nebraska (NE)
Property tax estimate: 1.44%
Avg. annual insurance: $4,860
Nevada (NV)
Property tax estimate: 0.50%
Avg. annual insurance: $1,400
New Hampshire (NH)
Property tax estimate: 1.82%
Avg. annual insurance: $1,160
New Jersey (NJ)
Property tax estimate: 2.23%
Avg. annual insurance: $1,270
New Mexico (NM)
Property tax estimate: 0.79%
Avg. annual insurance: $2,050
New York (NY)
Property tax estimate: 1.54%
Avg. annual insurance: $1,760
North Carolina (NC)
Property tax estimate: 0.74%
Avg. annual insurance: $1,940
North Dakota (ND)
Property tax estimate: 0.99%
Avg. annual insurance: $2,910
Ohio (OH)
Property tax estimate: 1.41%
Avg. annual insurance: $1,420
Oklahoma (OK)
Property tax estimate: 0.83%
Avg. annual insurance: $4,080
Oregon (OR)
Property tax estimate: 0.93%
Avg. annual insurance: $1,180
Pennsylvania (PA)
Property tax estimate: 1.35%
Avg. annual insurance: $1,250
Rhode Island (RI)
Property tax estimate: 1.42%
Avg. annual insurance: $1,900
South Carolina (SC)
Property tax estimate: 0.51%
Avg. annual insurance: $2,450
South Dakota (SD)
Property tax estimate: 1.14%
Avg. annual insurance: $3,280
Tennessee (TN)
Property tax estimate: 0.56%
Avg. annual insurance: $2,350
Texas (TX)
Property tax estimate: 1.60%
Avg. annual insurance: $4,390
Utah (UT)
Property tax estimate: 0.57%
Avg. annual insurance: $1,170
Vermont (VT)
Property tax estimate: 1.76%
Avg. annual insurance: $1,160
Virginia (VA)
Property tax estimate: 0.80%
Avg. annual insurance: $1,640
Washington (WA)
Property tax estimate: 0.86%
Avg. annual insurance: $1,480
West Virginia (WV)
Property tax estimate: 0.60%
Avg. annual insurance: $1,190
Wisconsin (WI)
Property tax estimate: 1.61%
Avg. annual insurance: $1,380
Wyoming (WY)
Property tax estimate: 0.56%
Avg. annual insurance: $1,760
How To Use These Guides
- Use your state page to set realistic escrow assumptions for tax and insurance.
- Verify prepayment and refinance rules with your specific lender paperwork.
- Compare scenarios on the core calculators before choosing a payoff strategy.