Property Tax Calculator

Multiply your estimated taxable value by the effective property tax rate for your location. Taxable value is often property value × assessment ratio minus exemptions. Our calculator applies county rates when available, or statewide averages as a fallback.

A property tax calculator estimates annual and monthly property taxes using home value and location-based effective tax rates. It helps homebuyers budget for ownership costs and plan escrow payments with their lender.

Enter a 5-digit ZIP code and we map it to a county effective rate where our database includes that ZIP. ZIP lookups provide planning estimates — your official bill comes from your local assessor and may differ by parcel.

It combines principal and interest with estimated monthly property taxes and homeowners insurance for a full PITI payment. Enable PITI mode in our calculator to see your total monthly housing payment with taxes included.

This is the full PITI breakdown: Principal, Interest, Taxes, and Insurance. Our tool auto-fills tax and insurance from your inputs so you can compare loan scenarios with realistic monthly costs.

It provides directional estimates using effective tax rates from public data sources. Actual bills vary by parcel, exemptions, reassessment rules, and local levies. Use official county assessor tools for bill-level accuracy.

When county records are available (including major metros in CA, TX, FL, OH, MI, IN, and more), the calculator uses local effective rates. Otherwise, it uses the statewide effective rate and labels that clearly.

Tax bills may vary by city levies, school districts, parcel assessment history, reassessment cycles, special assessments, and exemptions not captured in a general calculator.

Market value is the home value estimate, while assessed value is the taxable basis set by local assessment rules. Some states cap assessment growth, so long-term owners may have assessed values below market.

Yes. The calculator includes an escrow estimate option that combines monthly property tax and annual homeowners insurance inputs for lender escrow planning.

No. This is an educational estimate tool. Final tax amounts come from your local assessor and tax authority.

Texas has no state income tax but relatively high effective property tax rates. County rates vary — Harris, Dallas, and Travis counties are among the most searched. Use our Texas state page and county selectors for local estimates. Texas property tax page.

Florida effective rates are moderate statewide, with homestead exemptions that can reduce taxable value for eligible primary residences. Miami-Dade, Broward, and Hillsborough counties have dedicated county data in our calculator. Florida property tax page.

Proposition 13 (1978) generally limits California property taxes to about 1% of assessed value plus voter-approved local debt, and caps annual assessed value increases for existing owners. New purchases are typically reassessed near market value. California property tax page.

For a new purchase, a common planning baseline is about 1% of the purchase price for the base levy, before local bonds and supplemental bills. Use our Prop 13 baseline in the calculator when California is selected. California property tax calculator.

Prop 13 limits how property is assessed and taxed over time. Prop 19 (2020) changed rules for transferring a primary residence and inherited property between family members. Use official county tools for Prop 19 analysis. LA County Prop 19 calculator.

It estimates federal capital gains tax when you sell a home, accounting for purchase price, improvements, selling costs, and the Section 121 primary residence exclusion. Our estimator below is illustrative — consult a tax professional for your situation.

Start with sale proceeds minus selling costs and adjusted basis (purchase price plus improvements). If the home qualifies as a primary residence held 2+ years, up to $250,000 (single) or $500,000 (joint) may be excluded from federal tax.

If local county data is unavailable, the tool falls back to the statewide effective rate and explains this in your result summary. ZIP lookup may still resolve your county when we have mapping data.

Use our state pages to review statewide rates, locality records where available, and planning notes for all 50 states. Browse state property tax pages.

Ohio's statewide effective rate is about 1.36% (2024 ACS), above the 0.90% national single-family benchmark. Major counties including Cuyahoga, Summit, and Lake are in our county dataset for localized estimates. Ohio property tax page.

State effective rates reflect 2024 U.S. Census Bureau American Community Survey owner-occupied housing data, as published in Tax Foundation's 2026 state rankings. County rates use ACS-based estimates where available. This is a planning benchmark — not a live tax bill.

A simple average of 50 state effective rates overstates the national picture. We use 0.90% as a single-family national benchmark from ATTOM's 2025 property tax analysis, cited in our methodology. Your location is compared against that benchmark — not against an unweighted state mean.

Prop 13 limits the base levy to about 1% of assessed value for many owners, but effective rates on market value can appear lower when long-term owners have assessed values below current market prices due to annual assessment caps.

Yes. Entering exemption amounts reduces estimated taxable value, which can lower estimated annual and monthly taxes. Homestead and senior exemptions vary by state — confirm eligibility locally.