The same house, the same loan — a different state, a different payment. Property tax is the reason: at the ACS 2025 effective rates, the median New Jersey home carries $804 a month of tax while Hawaii's carries under $200. Every state's all-in payment on its own median home, with closing costs estimated honestly in the CFPB's 2–5% range.
| State | Effective tax rate | Median home | Monthly all-in |
|---|---|---|---|
| Illinois | 1.92% | $294,400 | $2,009 |
| New Jersey | 1.82% | $530,800 | $3,578 |
| Connecticut | 1.59% | $423,900 | $2,776 |
| Vermont | 1.51% | $359,800 | $2,332 |
| New Hampshire | 1.43% | $487,100 | $3,125 |
| New York | 1.42% | $470,900 | $3,017 |
| Texas | 1.32% | $318,100 | $2,011 |
| Nebraska | 1.31% | $279,200 | $1,763 |
| Iowa | 1.27% | $237,000 | $1,489 |
| Kansas | 1.24% | $252,600 | $1,580 |
| Ohio | 1.22% | $254,100 | $1,586 |
| Wisconsin | 1.2% | $316,500 | $1,970 |
| Michigan | 1.17% | $269,500 | $1,670 |
| Pennsylvania | 1.12% | $292,400 | $1,800 |
| Alaska | 1.06% | $385,100 | $2,352 |
| Minnesota | 1.04% | $353,800 | $2,155 |
| South Dakota | 1.04% | $299,100 | $1,821 |
| Rhode Island | 1.02% | $478,700 | $2,907 |
| Massachusetts | 1.01% | $626,900 | $3,802 |
| Maryland | 0.98% | $445,800 | $2,693 |
| Maine | 0.92% | $370,300 | $2,218 |
| North Dakota | 0.92% | $281,700 | $1,687 |
| Washington | 0.81% | $605,600 | $3,572 |
| Florida | 0.8% | $396,700 | $2,337 |
| Missouri | 0.79% | $271,400 | $1,596 |
| Oregon | 0.79% | $507,900 | $2,987 |
| Georgia | 0.77% | $346,500 | $2,032 |
| Oklahoma | 0.76% | $234,000 | $1,370 |
| Indiana | 0.74% | $255,200 | $1,490 |
| California | 0.72% | $770,700 | $4,488 |
| Kentucky | 0.72% | $242,000 | $1,409 |
| Virginia | 0.71% | $422,600 | $2,457 |
| Montana | 0.69% | $427,500 | $2,479 |
| District of Columbia | 0.67% | $715,500 | $4,137 |
| Mississippi | 0.65% | $192,700 | $1,111 |
| North Carolina | 0.64% | $342,800 | $1,973 |
| New Mexico | 0.63% | $293,400 | $1,687 |
| Wyoming | 0.56% | $357,300 | $2,033 |
| Louisiana | 0.55% | $231,800 | $1,317 |
| Colorado | 0.52% | $567,600 | $3,211 |
| West Virginia | 0.51% | $176,300 | $996 |
| Arkansas | 0.5% | $228,400 | $1,288 |
| Utah | 0.5% | $543,400 | $3,065 |
| Delaware | 0.49% | $392,600 | $2,211 |
| Nevada | 0.47% | $459,400 | $2,579 |
| Tennessee | 0.46% | $341,200 | $1,913 |
| South Carolina | 0.45% | $306,200 | $1,714 |
| Arizona | 0.44% | $427,600 | $2,390 |
| Idaho | 0.42% | $457,800 | $2,551 |
| Alabama | 0.38% | $246,500 | $1,366 |
| Hawaii | 0.26% | $901,500 | $4,904 |
The median tax bill divided by the median home value (Census ACS) — the cleanest like-for-like comparison across states whose nominal rates, assessments and exemptions are otherwise incomparable.
They vary roughly 2–5% of the loan (CFPB). 3% is the middle of that range and the field is editable — treat it as an allowance, not a quote.
Mortgage payments by state with the state layer included: ACS 2025 effective property tax rates (0.26% Hawaii to 1.92% Illinois) and CFPB-range closing costs, on each state’s median-priced home.
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The hub of the mortgage family: all-in monthly payments for every state, with property tax and closing costs included and labelled.
Illinois and New Jersey carry the highest effective property tax (1.92% / 1.82%); Hawaii the lowest (0.32%).
Closing costs are an estimate by design — the CFPB range is the honest way to show them.
Property tax — up to $500+ a month between the cheapest and dearest states on the same-priced home.
No — a CFPB-range estimate, adjustable on every page.
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