---
title: "Property Tax Calculator by State (2024 Census Data) | TaxWren"
description: "Estimate the property tax on a home in any state. Effective rates run from 0.27% in Hawaii to 1.92% in Illinois; the US median homeowner pays $3,211 a year."
url: https://taxwren.com/property-tax-calculator
---

2026 tax year · updated Oct 15, 2026

# Property tax calculator

The typical US homeowner pays $3,211 a year in property tax on a home worth $360,600, an effective rate of 0.89%. By state, effective rates run from 0.27% in Hawaii to 1.92% in Illinois. Enter a home value and state to estimate the yearly and monthly tax.

## Estimated property tax per year

$5,246

$437 a month at 1.3116%

- Median tax paid in Texas: $4,108
- Median home value there: $313,200
- Same home at the US rate (0.8905%): $3,562

Before exemptions such as a homestead exemption. Rates from the American Community Survey 2024 1-year estimates.

## States with the lowest property tax

1.  [Hawaii](/property-tax-calculator/hawaii): 0.27%, median $2,385
2.  [Alabama](/property-tax-calculator/alabama): 0.38%, median $890
3.  [Idaho](/property-tax-calculator/idaho): 0.43%, median $1,912
4.  [Arizona](/property-tax-calculator/arizona): 0.43%, median $1,828
5.  [South Carolina](/property-tax-calculator/south-carolina): 0.45%, median $1,337
6.  [Tennessee](/property-tax-calculator/tennessee): 0.45%, median $1,488
7.  [Nevada](/property-tax-calculator/nevada): 0.47%, median $2,143
8.  [Delaware](/property-tax-calculator/delaware): 0.47%, median $1,750
9.  [Utah](/property-tax-calculator/utah): 0.49%, median $2,648
10.  [Colorado](/property-tax-calculator/colorado): 0.49%, median $2,828

## States with the highest property tax

1.  [Illinois](/property-tax-calculator/illinois): 1.92%, median $5,399
2.  [New Jersey](/property-tax-calculator/new-jersey): 1.89%, median $9,358
3.  [Connecticut](/property-tax-calculator/connecticut): 1.66%, median $6,573
4.  [New Hampshire](/property-tax-calculator/new-hampshire): 1.46%, median $6,707
5.  [New York](/property-tax-calculator/new-york): 1.45%, median $6,542
6.  [Vermont](/property-tax-calculator/vermont): 1.42%, median $5,026
7.  [Nebraska](/property-tax-calculator/nebraska): 1.42%, median $3,739
8.  [Texas](/property-tax-calculator/texas): 1.31%, median $4,108
9.  [Iowa](/property-tax-calculator/iowa): 1.29%, median $2,937
10.  [Kansas](/property-tax-calculator/kansas): 1.25%, median $2,983

A low rate doesn't always mean a low bill: Hawaii has the lowest rate but its homes are worth a median $875,900, so the median bill there is $2,385, more than in 18 other states.

## Property tax by state

Effective rate (median real estate taxes paid ÷ median home value), median yearly tax and median home value for owner-occupied homes, from the American Community Survey 2024 1-year estimates. Ranked from the highest rate.

| Rank | State | Effective rate | Median tax | Median home value | Tax on $400,000 |
| --- | --- | --- | --- | --- | --- |
| 1 | [Illinois](/property-tax-calculator/illinois) | 1.92% | $5,399 | $280,700 | $7,694 |
| 2 | [New Jersey](/property-tax-calculator/new-jersey) | 1.89% | $9,358 | $496,000 | $7,547 |
| 3 | [Connecticut](/property-tax-calculator/connecticut) | 1.66% | $6,573 | $396,900 | $6,624 |
| 4 | [New Hampshire](/property-tax-calculator/new-hampshire) | 1.46% | $6,707 | $458,800 | $5,848 |
| 5 | [New York](/property-tax-calculator/new-york) | 1.45% | $6,542 | $449,800 | $5,818 |
| 6 | [Vermont](/property-tax-calculator/vermont) | 1.42% | $5,026 | $352,800 | $5,698 |
| 7 | [Nebraska](/property-tax-calculator/nebraska) | 1.42% | $3,739 | $263,100 | $5,684 |
| 8 | [Texas](/property-tax-calculator/texas) | 1.31% | $4,108 | $313,200 | $5,246 |
| 9 | [Iowa](/property-tax-calculator/iowa) | 1.29% | $2,937 | $227,300 | $5,168 |
| 10 | [Kansas](/property-tax-calculator/kansas) | 1.25% | $2,983 | $238,700 | $4,999 |
| 11 | [Wisconsin](/property-tax-calculator/wisconsin) | 1.25% | $3,680 | $294,700 | $4,995 |
| 12 | [Ohio](/property-tax-calculator/ohio) | 1.22% | $2,937 | $239,800 | $4,899 |
| 13 | [Michigan](/property-tax-calculator/michigan) | 1.18% | $2,988 | $254,200 | $4,702 |
| 14 | [Pennsylvania](/property-tax-calculator/pennsylvania) | 1.16% | $3,214 | $277,600 | $4,631 |
| 15 | [Rhode Island](/property-tax-calculator/rhode-island) | 1.07% | $4,886 | $455,700 | $4,289 |
| 16 | [Alaska](/property-tax-calculator/alaska) | 1.06% | $3,976 | $376,500 | $4,224 |
| 17 | [Minnesota](/property-tax-calculator/minnesota) | 1.02% | $3,501 | $344,600 | $4,064 |
| 18 | [South Dakota](/property-tax-calculator/south-dakota) | 1.02% | $2,940 | $289,600 | $4,061 |
| 19 | [Massachusetts](/property-tax-calculator/massachusetts) | 1.00% | $6,080 | $607,400 | $4,004 |
| 20 | [North Dakota](/property-tax-calculator/north-dakota) | 0.96% | $2,550 | $266,100 | $3,833 |
| 21 | [Maryland](/property-tax-calculator/maryland) | 0.95% | $4,144 | $436,300 | $3,799 |
| 22 | [Maine](/property-tax-calculator/maine) | 0.91% | $3,103 | $341,900 | $3,630 |
| 23 | [Missouri](/property-tax-calculator/missouri) | 0.79% | $2,021 | $254,400 | $3,178 |
| 24 | [Washington](/property-tax-calculator/washington) | 0.79% | $4,729 | $602,200 | $3,141 |
| 25 | [Oregon](/property-tax-calculator/oregon) | 0.78% | $3,895 | $497,500 | $3,132 |
| 26 | [Florida](/property-tax-calculator/florida) | 0.75% | $2,993 | $396,900 | $3,016 |
| 27 | [Oklahoma](/property-tax-calculator/oklahoma) | 0.75% | $1,672 | $222,100 | $3,011 |
| 28 | [Georgia](/property-tax-calculator/georgia) | 0.74% | $2,554 | $343,300 | $2,976 |
| 29 | [Indiana](/property-tax-calculator/indiana) | 0.74% | $1,798 | $243,500 | $2,954 |
| 30 | [Kentucky](/property-tax-calculator/kentucky) | 0.71% | $1,611 | $226,000 | $2,851 |
| 31 | [Virginia](/property-tax-calculator/virginia) | 0.71% | $2,872 | $403,500 | $2,847 |
| 32 | [California](/property-tax-calculator/california) | 0.71% | $5,369 | $759,500 | $2,828 |
| 33 | [Montana](/property-tax-calculator/montana) | 0.69% | $2,939 | $425,400 | $2,764 |
| 34 | [Mississippi](/property-tax-calculator/mississippi) | 0.65% | $1,221 | $186,500 | $2,619 |
| 35 | [New Mexico](/property-tax-calculator/new-mexico) | 0.63% | $1,776 | $279,900 | $2,538 |
| 36 | [District of Columbia](/property-tax-calculator/district-of-columbia) | 0.63% | $4,594 | $733,400 | $2,506 |
| 37 | [North Carolina](/property-tax-calculator/north-carolina) | 0.61% | $2,044 | $333,000 | $2,455 |
| 38 | [Wyoming](/property-tax-calculator/wyoming) | 0.57% | $1,947 | $339,500 | $2,294 |
| 39 | [Louisiana](/property-tax-calculator/louisiana) | 0.53% | $1,187 | $223,200 | $2,127 |
| 40 | [Arkansas](/property-tax-calculator/arkansas) | 0.52% | $1,113 | $215,600 | $2,065 |
| 41 | [West Virginia](/property-tax-calculator/west-virginia) | 0.52% | $881 | $170,800 | $2,063 |
| 42 | [Colorado](/property-tax-calculator/colorado) | 0.49% | $2,828 | $574,600 | $1,969 |
| 43 | [Utah](/property-tax-calculator/utah) | 0.49% | $2,648 | $545,200 | $1,943 |
| 44 | [Delaware](/property-tax-calculator/delaware) | 0.47% | $1,750 | $371,600 | $1,884 |
| 45 | [Nevada](/property-tax-calculator/nevada) | 0.47% | $2,143 | $455,500 | $1,882 |
| 46 | [Tennessee](/property-tax-calculator/tennessee) | 0.45% | $1,488 | $332,600 | $1,790 |
| 47 | [South Carolina](/property-tax-calculator/south-carolina) | 0.45% | $1,337 | $299,500 | $1,786 |
| 48 | [Arizona](/property-tax-calculator/arizona) | 0.43% | $1,828 | $426,000 | $1,716 |
| 49 | [Idaho](/property-tax-calculator/idaho) | 0.43% | $1,912 | $446,400 | $1,713 |
| 50 | [Alabama](/property-tax-calculator/alabama) | 0.38% | $890 | $233,300 | $1,526 |
| 51 | [Hawaii](/property-tax-calculator/hawaii) | 0.27% | $2,385 | $875,900 | $1,089 |

Source: [US Census Bureau, American Community Survey](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/1YRData/acsdt1y2024-b25103.dat), American Community Survey 2024 1-year estimates, tables B25103 (median real estate taxes paid) and B25077 (median value), owner-occupied housing units. Medians include homes with and without a mortgage.

## How this estimate works

Property tax is set locally, so two neighbors in different school districts can pay very different amounts. A statewide effective rate smooths that out: it is the tax a typical homeowner pays as a share of what the home is worth, which already reflects assessment practices and common exemptions in that state. Multiply it by your home's value for a first estimate.

For a closer figure, use your own rate: divide last year's tax bill by your home's market value and enter it in the rate box. Ask your county assessor or tax collector for the rates and exemptions that apply to your address.

Property tax is one of the [state and local taxes](/glossary#salt-deduction) you can deduct if you itemize, within the $40,400 SALT cap for 2026. For income tax by state, see the [state income tax map](/states); for sales tax, the [sales tax calculator](/sales-tax-calculator).

## Frequently asked questions

### How is property tax calculated?

Local governments (counties, cities, school districts and other districts) set property tax rates and apply them to the assessed value of your home, after any exemptions. This calculator uses each state's effective rate instead: the median tax homeowners actually pay divided by the median home value. At the US rate of 0.89%, a $400,000 home pays about $3,562 a year.

### Which state has the lowest property tax?

Hawaii, with an effective rate of 0.27% of home value, followed by Alabama, Idaho, Arizona and South Carolina. West Virginia has the lowest median bill, $881 a year.

### Which state has the highest property tax?

Illinois has the highest effective rate, 1.92%, followed by New Jersey, Connecticut, New Hampshire and New York. The highest median bill is in New Jersey: $9,358 a year.

### Is property tax deductible?

Yes, if you itemize. Real estate taxes on your home count toward the deduction for state and local taxes (SALT), together with state income or sales tax. For 2026 the SALT deduction is capped at $40,400 ($20,200 married filing separately), reduced for modified AGI over $505,000 but not below $10,000.

### Why is my property tax bill different from this estimate?

Your bill depends on your county, city and school district rates, how your home is assessed, and exemptions such as homestead, senior or veteran exemptions, none of which a statewide rate can capture. Divide your last bill by your home's value to get your own effective rate and enter it in the calculator.

## Related calculators

-   [Sales tax calculatorAdd or remove state and local sales tax](/sales-tax-calculator)
-   [Income tax calculatorFederal and state income tax for 2026](/income-tax-calculator)
-   [Take-home pay calculatorYour paycheck after every tax](/take-home-pay-calculator)