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//// Personal Finance · Real Estate

Property Tax Estimator

Enter your home value, millage rate, and exemptions to get your annual tax bill, monthly escrow amount, and effective rate — with state comparison built in.

Where this fits

This tool lives inside Home Buying and is most useful for homeowners and households.

30yr Fixed Avg~6.8%
Standard Down20%
DTI Limit (QM)43%

Annual Tax

$7,000

Monthly Escrow

$583

Effective Rate

2.00%

Property Details

Assessed value: $350,000 · Taxable value: $350,000

State Effective Rate Reference

StateAvg RateNotes
New Jersey2.23%Highest in US
Illinois2.08%High industrial base
New Hampshire1.93%No income tax trade-off
Vermont1.82%Rural areas vary widely
Texas1.60%No income tax
Wisconsin1.51%Above national avg
Ohio1.41%County-level variation
Pennsylvania1.36%School district driven
Iowa1.29%Farm exemptions common
Michigan1.25%Capped assessment gains
National Average0.99%Median owner-occupied
Florida0.83%Homestead exemption available
Arizona0.62%Assessment ratio ~10%
Colorado0.55%Assessed at 6.95% of value
Hawaii0.29%Lowest rate, highest values
1

Assessed Value

market value × assessment ratio

= $350,000

$350,000 × 100% = $350,000

2

Taxable Value

assessed value − homestead exemption

= $350,000

$350,000 − $0 = $350,000

3

Annual Tax

(taxable value / 1,000) × millage rate

= $7,000

($350,000 / 1,000) × 20 mills = $7,000/year

4

Monthly Escrow

annual tax / 12

= $583/mo

$7,000 / 12 = $583/month in escrow

5

Effective Rate

annual tax / market value × 100

= 2.00%

$7,000 / $350,000 = 2.00% of market value

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