Start with State Baseline
Use each page as a planning baseline for tax and insurance, then tune values using your lender estimate and county records.
State Library
U.S. State Mortgage Guides
Explore all 50 state pages with mortgage planning context, tax and insurance baselines, and calculator defaults.
How To Use State Data Correctly
Move to County-Level Verification
Property taxes and insurance can vary widely by county, city, hazard exposure, and home characteristics.
Recalculate After Changes
Re-run scenarios when rates, escrow projections, or homeownership horizon changes to avoid stale assumptions.
All States
Select your state to open a focused mortgage guide.
Alabama (AL)
Property tax estimate: 0.38%
Avg. annual insurance: $2,820
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.
Sources and Validation
State guide figures are directional planning inputs, not guaranteed quotes. Always validate against current official records and lender disclosures.
- CFPB homeownership resources
- HUD homeownership resources
- Freddie Mac My Home resources
- Fannie Mae housing education
- State housing agency directory (NCSHA)
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