Mortgage Calculator by State
Compare mortgage payments across all 50 US states. Each calculator includes state-specific property tax rates, insurance costs, and local market data.
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All 50 States — Mortgage Payment Comparison
Estimated monthly payment based on 20% down, 30-year fixed rate, including principal, interest, taxes & insurance.
| State | Avg Home Price | Property Tax | Mortgage Rate | Annual Insurance | Est. Monthly Payment |
|---|---|---|---|---|---|
| Alabama | $213,000 | 0.41% | 6.75% | $1,850 | $1,332 |
| Alaska | $318,000 | 1.04% | 6.85% | $1,200 | $2,043 |
| Arizona | $376,000 | 0.62% | 6.65% | $1,850 | $2,279 |
| Arkansas | $179,000 | 0.62% | 6.8% | $2,250 | $1,214 |
| California | $735,000 | 0.71% | 6.55% | $1,600 | $4,304 |
| Colorado | $535,000 | 0.51% | 6.6% | $2,600 | $3,178 |
| Connecticut | $380,000 | 2.15% | 6.7% | $1,900 | $2,801 |
| Delaware | $340,000 | 0.53% | 6.75% | $1,100 | $2,006 |
| Florida | $382,000 | 0.86% | 6.7% | $4,200 | $2,596 |
| Georgia | $310,000 | 0.83% | 6.7% | $2,050 | $1,986 |
| Hawaii | $830,000 | 0.27% | 6.9% | $900 | $4,635 |
| Idaho | $410,000 | 0.63% | 6.75% | $1,200 | $2,443 |
| Illinois | $252,000 | 2.07% | 6.65% | $1,700 | $1,871 |
| Indiana | $220,000 | 0.85% | 6.75% | $1,500 | $1,422 |
| Iowa | $195,000 | 1.53% | 6.7% | $1,650 | $1,393 |
| Kansas | $210,000 | 1.41% | 6.75% | $2,700 | $1,561 |
| Kentucky | $185,000 | 0.83% | 6.8% | $1,800 | $1,243 |
| Louisiana | $195,000 | 0.55% | 6.85% | $3,800 | $1,428 |
| Maine | $320,000 | 1.24% | 6.75% | $1,300 | $2,099 |
| Maryland | $395,000 | 1.04% | 6.65% | $1,450 | $2,492 |
| Massachusetts | $565,000 | 1.15% | 6.6% | $1,600 | $3,562 |
| Michigan | $225,000 | 1.44% | 6.75% | $1,400 | $1,554 |
| Minnesota | $325,000 | 1.08% | 6.65% | $1,800 | $2,112 |
| Mississippi | $155,000 | 0.79% | 6.9% | $2,300 | $1,110 |
| Missouri | $220,000 | 0.93% | 6.75% | $1,650 | $1,450 |
| Montana | $430,000 | 0.74% | 6.8% | $1,600 | $2,641 |
| Nebraska | $230,000 | 1.61% | 6.75% | $2,200 | $1,685 |
| Nevada | $410,000 | 0.53% | 6.7% | $1,350 | $2,410 |
| New Hampshire | $420,000 | 1.86% | 6.65% | $1,200 | $2,908 |
| New Jersey | $435,000 | 2.23% | 6.6% | $1,250 | $3,135 |
| New Mexico | $268,000 | 0.8% | 6.8% | $1,700 | $1,718 |
| New York | $420,000 | 1.62% | 6.65% | $1,700 | $2,866 |
| North Carolina | $310,000 | 0.77% | 6.7% | $1,750 | $1,945 |
| North Dakota | $240,000 | 0.98% | 6.8% | $1,800 | $1,598 |
| Ohio | $195,000 | 1.53% | 6.75% | $1,200 | $1,360 |
| Oklahoma | $185,000 | 0.87% | 6.85% | $2,900 | $1,346 |
| Oregon | $465,000 | 0.87% | 6.65% | $1,100 | $2,817 |
| Pennsylvania | $255,000 | 1.36% | 6.7% | $1,200 | $1,705 |
| Rhode Island | $385,000 | 1.4% | 6.7% | $1,700 | $2,578 |
| South Carolina | $280,000 | 0.57% | 6.75% | $2,100 | $1,761 |
| South Dakota | $270,000 | 1.14% | 6.8% | $2,000 | $1,831 |
| Tennessee | $300,000 | 0.64% | 6.75% | $1,750 | $1,862 |
| Texas | $295,000 | 1.6% | 6.7% | $3,200 | $2,183 |
| Utah | $480,000 | 0.58% | 6.65% | $1,100 | $2,789 |
| Vermont | $310,000 | 1.83% | 6.75% | $1,000 | $2,165 |
| Virginia | $375,000 | 0.8% | 6.65% | $1,300 | $2,284 |
| Washington | $560,000 | 0.87% | 6.6% | $1,200 | $3,367 |
| West Virginia | $130,000 | 0.57% | 6.9% | $1,200 | $847 |
| Wisconsin | $265,000 | 1.61% | 6.7% | $1,100 | $1,815 |
| Wyoming | $295,000 | 0.56% | 6.8% | $1,500 | $1,801 |
How to Use This Tool
Click any state to see a detailed mortgage calculator with:
- Interactive payment calculator with customizable inputs
- Property tax and insurance breakdown
- PMI calculation for low down payments
- Full amortization schedule
- FHA, VA, and conventional loan comparisons
- State-specific home buying tips
Frequently Asked Questions
Which state has the lowest mortgage payments?
West Virginia typically has the lowest mortgage payments due to very low average home prices ($130,000). Mississippi and Arkansas are also very affordable. However, consider job markets and income levels — a low home price doesn't always mean affordable living.
Which state has the highest property taxes?
New Jersey has the highest effective property tax rate at approximately 2.23%, followed by Illinois (2.07%), Connecticut (2.15%), and New Hampshire (1.86%). High property taxes significantly increase your total monthly payment.
How much house can I afford?
The general rule is to spend no more than 28% of your gross monthly income on housing (the "28% rule"). This includes principal, interest, taxes, and insurance. Most lenders also look at your total debt-to-income ratio, which should be below 43%.
What's the difference between FHA, VA, and conventional loans?
Conventional loans require 620+ credit and 3-20% down. FHA loans allow 580+ credit with 3.5% down but require mortgage insurance. VA loans offer 0% down for eligible veterans with no PMI. Each has different rate structures and qualification criteria.