Free tool
Property tax
Estimates what you'd pay in property tax per year and per month, from your county's typical rate and your home's value.
Free, no sign-up. What you type stays on your phone.
- Connected to 3,222 counties and 33,486 ZIP codes
- Public data from the Census Bureau
Move the numbers and the result changes right away. We start with the typical numbers for the United States; change any of them to yours.
Calculating with the numbers for:
Your home and your county
We use the typical rate and value of the place you pick.
Typical home value in the United States (Census, ACS 2024). Enter your assessed value.
Let's do the math
Estimated tax per year
$3,127
About $261 a month, at a rate of 0.94% on $332,700.
Per month
$261
If you pay through escrow, your lender adds about this much to your payment.
The math
- Your home's value
- $332,700
- Taxable value
- $332,700
- Rate
- × 0.94%
- Tax per year
- $3,127
The rate changes within the county
Each home pays the districts it sits in (city, schools, services), and each sets its own rate. This rate is a county average, not your home's.
Your county's tax or assessor's office publishes your assessment, each district's rate and how to apply for an exemption or appeal.
This is an educational estimate from county averages, not your tax bill. Your bill depends on your home's districts, your assessment and your exemptions.
Show contents
How is it calculated?
The same formulas lenders use, with the rules each program publishes. Nothing is hidden.
The formula
Tax per year = (value − exemptions) × effective rate. Per month = tax per year ÷ 12.
Example with the numbers for the United States
- Home value
- $332,700
- Effective rate
- 0.94%
- Tax per year
- $3,127
- Tax per month
- $261
Computed from the page's data when it was built; in the tool you replace every number with your own.
What moves the result?
Six things that change the number more than anything else.
-
The price
Every dollar of price is a dollar more of loan. It is the first thing that moves the payment.
-
Your county
Price, tax, rent and limits change with the place. The tool follows yours.
-
Exemptions
Homestead, seniors, veterans: they lower the value that pays tax.
-
Your state's law
Deadlines, caps and taxes change from state to state. Every rule carries its citation.
-
The dates
Each county sets when the tax is due and the deadline to protest the assessment. Check your county's dates.
-
Tax and insurance
They sit inside the payment. The tax depends on the county; the insurance, on the home and the area.
The official numbers behind the tool
Official data the tool uses, so you can compare.
Property tax in the most populous counties of the United States
| Place | Effective rate | Typical tax per year | Typical value |
|---|---|---|---|
| Los Angeles County (CA) | 0.68% | $5,675 | $834,200 |
| Cook County (IL) | 1.91% | $6,191 | $324,500 |
| Harris County (TX) | 1.62% | $4,489 | $276,600 |
| Maricopa County (AZ) | 0.44% | $1,983 | $452,800 |
| San Diego County (CA) | 0.68% | $5,774 | $854,700 |
| Orange County (CA) | 0.66% | $6,330 | $962,600 |
| Miami-Dade County (FL) | 0.81% | $3,744 | $463,000 |
| Kings County (NY) | 0.71% | $6,382 | $905,000 |
- Los Angeles County (CA) 0.68%$5,675
- Cook County (IL) 1.91%$6,191
- Harris County (TX) 1.62%$4,489
- Maricopa County (AZ) 0.44%$1,983
- San Diego County (CA) 0.68%$5,774
- Orange County (CA) 0.66%$6,330
- Miami-Dade County (FL) 0.81%$3,744
- Kings County (NY) 0.71%$6,382
Source: American Community Survey (Average 2020–2024)
Homes, incomes and taxes in the most populous states
| State | Typical value | Typical household income | Effective rate |
|---|---|---|---|
| California | $734,700 | $99,122 | 0.7% |
| Texas | $283,800 | $78,476 | 1.49% |
| Florida | $359,000 | $74,568 | 0.76% |
| New York | $423,800 | $85,974 | 1.55% |
| Pennsylvania | $254,500 | $77,971 | 1.3% |
| Illinois | $263,300 | $83,390 | 2.01% |
| Ohio | $214,800 | $71,389 | 1.31% |
| Georgia | $303,300 | $77,353 | 0.77% |
- California $734,700$99,122
- Texas $283,800$78,476
- Florida $359,000$74,568
- New York $423,800$85,974
- Pennsylvania $254,500$77,971
- Illinois $263,300$83,390
- Ohio $214,800$71,389
- Georgia $303,300$77,353
Source: American Community Survey (Average 2020–2024)
— means the source publishes no value.
Want your county's numbers?
Type your county or ZIP code: the tool loads its numbers and keeps them in your browser for the other tools.
Frequently asked questions
Why is my real bill different?
Because each home pays the districts it sits in (county, city, schools, services), each with its own rate, on that home's assessment and with its exemptions. The rate here is a county average.
Where do I find my home's rate and assessment?
On your tax bill or on the website of your county's assessor or tax office. It also explains how to apply for an exemption and how to appeal the assessment.
Which exemption do I get?
It depends on your state, your county and your situation. Your state's property tax page gathers the exemptions and dates that official sources publish. We don't fill it in for you because it changes by place and requirements.
Do you keep my numbers?
No. Everything stays in your browser and you can clear it with the start-over button. We never ask for names or personal data.
Methodology and sources (the Census Bureau)
- The rate: for each county we divide what typical homes pay in tax by their typical value, from Census data (ACS 2024). It is a county average; replace it with the rate on your bill if you have it.
- The taxable value: your home's value less the exemption you enter. We start with the place's typical home value; replace it with your assessed value.
- The tax: the taxable value times the rate is the year's tax. Divided by 12, it is what gets set aside each month if you pay through escrow.
Data
- American Community Survey (Average 2020–2024)
What comes next?
Go on to the tool that answers your next question, or read a guide at your own pace.
Want someone to go over it with you? A HUD-approved counselor does it for free or at low cost. Find a counselor
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