Average and median property taxes by state: See how much homeowners pay in your area

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• US homeowners pay a median of $2,690 each year in property taxes, according to US Census Bureau data.
• Effective property tax rates by state range from 0.29% in Hawaii to 2.47% in New Jersey.
• New York has the highest average tax bill of $12,292. Alabama's is the lowest at $882.

If you want to become a homeowner, you'll want to make sure you can afford your area's property taxes. Because property taxes vary so much from state to state and even county to county, a home that's affordable for you in one part of the country could be a budget buster in a different zip code.

Tax rates in the US, from lowest to highest

When you get a mortgage to buy a home, your mortgage lender will include a portion of your yearly property taxes in your monthly mortgage payment .

For the US as a whole, the effective property tax rate is 1.10%, according to Insider calculations based on 2021 data from the US Census Bureau . The median home price in the US is $244,900, and homeowners pay a median of $2,690 each year in property taxes. This means that a homeowner would have around $224.17 added to each of their monthly mortgage payments in order to cover their property tax bill when it comes due.

We can also look at the average tax bill charged to homeowners by using the average home value in the US. According to Zillow , this is $346,270. With an effective property tax rate of 1.10%, the average tax bill in the US is $3,803. This would translate to a $316.92 payment added to your monthly mortgage.

If you live in a state where home values are within a normal range, looking at the average taxes paid may give you a more accurate picture of how much you might pay. But if you live in a state that has areas with unusually high or low home values, the median value may be more helpful.

Use our list to see what property taxes typically look like in your state. However, keep in mind that these are medians and averages, and property tax rates can vary quite a bit from one municipality to the next.

Here are the property tax rates for every US state, arranged from the lowest rates to the highest.

51. Hawaii

Property isn't cheap in Hawaii — with a median home value of $662,100, according to the US Census Bureau, it's not super affordable. But, Hawaiians have the lowest property tax rates in the US.

Effective property tax rate: 0.29%

Median annual property taxes paid: $1,893

Average annual property tax bill: $2,386

50. Alabama

With a median home value of $157,100 and low property tax rates, Alabama residents pay the least in property taxes across the US.

Effective property tax rate: 0.41%

Median annual property taxes paid: $646

Average annual property tax bill: $882

49. Colorado

Colorado offers residents a choice of big cities and more rural, mountain living, but both come with a pretty low tax rate in this state. The median property value is $397,500.

Effective property tax rate: 0.51%

Median annual property taxes paid: $2,017

Average annual property tax bill: $2,790

48. Nevada

Nevada's median property value is $315,900, but low taxes help to keep it affordable.

Effective property tax rate: 0.55%

Median annual property taxes paid: $1,736

Average annual property tax bill: $2,284

47. South Carolina

With low property taxes and relatively nice weather year-round, South Carolina is a fairly affordable option for coastal living. The median home value in South Carolina is $181,800 according to 2021 Census data.

Effective property tax rate: 0.56%

Median annual property taxes paid: $1,024

Average annual property tax bill: $1,602

46. Louisiana

Louisiana residents face a fairly modest property tax rate, and a small yearly payment. The median home value in Louisiana is $174,000

Effective property tax rate: 0.56%

Median annual property taxes paid: $983

Average annual property tax bill: $1,068

45. Washington, DC

The US capital's median property value of $635,900 is relatively high. Even with lower tax rates, high home values mean average DC residents still pay more in property taxes than most Americans.

Effective property tax rate: 0.57%

Median annual property taxes paid: $3,641

Average annual property tax bill: $3,619

44. Utah

Median property values in Utah are $339,700, but low tax rates help keep taxes relatively affordable.

Effective property tax rate: 0.58%

Median annual property taxes paid: $1,967

Average annual property tax bill: $3,004

43. Delaware

Delaware has a median home value of $269,700, according to the latest Census data. Combined with low tax rates, homeowners in this state pay a little less than average in property taxes.

Effective property tax rate: 0.58%

Median annual property taxes paid: $1,570

Average annual property tax bill: $2,185

42. West Virginia

At $128,800, West Virginia has the lowest median property value in the country. It also has a relatively low effective tax rate.

Effective property tax rate: 0.59%

Median annual property taxes paid: $756

Average annual property tax bill: $910

41. Wyoming

Tax rates in Wyoming are fairly low, and the median home value is $237,900, according to 2021 US Census data.

Effective property tax rate: 0.61%

Median annual property taxes paid: $1,442

Average annual property tax bill: $2,019

40. Arkansas

Arkansas is a pretty affordable state to live in, and low property taxes are a big help. The median home value is $142,100

Effective property tax rate: 0.62%

Median annual property taxes paid: $878

Average annual property tax bill: $1,151

39. Arizona

Arizona homeowners pay a little less than average on their property taxes. The median home value in the state is currently $265,600.

Effective property tax rate: 0.62%

Median annual property taxes paid: $1,648

Average annual property tax bill: $2,570

38. Idaho

Idahoan homeowners have a median property value of $266,500 and lower-than-average property taxes.

Effective property tax rate: 0.63%

Median annual property taxes paid: $1,682

Average annual property tax bill: $2,829

37. Tennessee

Tennessee is a fairly affordable place to own land. A median-value house here costs $193,700.

Effective property tax rate: 0.66%

Median annual property taxes paid: $1,270

Average annual property tax bill: $1,995

36. California

California property values are high, which means that Californians spend more than the average on property taxes. The median home value here is $573,200.

Effective property tax rate: 0.75%

Median annual property taxes paid: $4,279

Average annual property tax bill: $5,509

35. Mississippi

Mississippi has a median property value of $133,000, one of the lowest in the country. This helps Mississippians spend less than average on property taxes.

Effective property tax rate: 0.79%

Median annual property taxes paid: $1,052

Average annual property tax bill: $1,340

34. New Mexico

New Mexico is also fairly affordable and offers residents affordable tax rates. The median home value is $184,800.

Effective property tax rate: 0.80%

Median annual property taxes paid: $1,470

Average annual property tax bill: $2,293

33. North Carolina

North Carolina is a fairly affordable place to own property, with a median home value of $197,500.

Effective property tax rate: 0.80%

Median annual property taxes paid: $1,583

Average annual property tax bill: $2,593

32. Virginia

Virginia has a somewhat low tax rate, but higher home values mean Virginia homeowners only pay slightly less than average on property taxes. The median home value in Virginia is $295,500.

Effective property tax rate: 0.82%

Median annual property taxes paid: $2,420

Average annual property tax bill: $3,049

31. Indiana

Indiana is a pretty affordable place to own property. The median home value is $158,500, according to Census data.

Effective property tax rate: 0.83%

Median annual property taxes paid: $1,308

Average annual property tax bill: $1,925

30. Montana

Montana has a median home value of $263,700. Montana homeowners pay an average amount in property taxes.

Effective property tax rate: 0.83%

Median annual property taxes paid: 2,189

Average annual property tax bill: $3,748

29. Kentucky

Kentucky's median home value of $155,100 makes it an affordable place to own property.

Effective property tax rate: 0.85%

Median annual property taxes paid: $1,320

Average annual property tax bill: $1,685

28. Florida

Florida falls somewhere in the middle when it comes to property taxes and home values. The median home value is $248,700.

Effective property tax rate: 0.86%

Median annual property taxes paid: $2,143

Average annual property tax bill: $3,339

27. Georgia

Georgia has a median home value of $206,700. Homeowners in this state pay a little less than average in property taxes.

Effective property tax rate: 0.90%

Median annual property taxes paid: $1,850

Average annual property tax bill: $2,844

26. Oklahoma

Oklahoma's affordable property values keep the annual tax owed down considerably. The median home value is $150,800.

Effective property tax rate: 0.90%

Median annual property taxes paid: $1,351

Average annual property tax bill: $1,777

25. Oregon

Oregon's higher tax rates and median home price of $362,200 have Oregon residents paying more than the average American in property taxes.

Effective property tax rate: 0.93%

Median annual property taxes paid: $3,352

Average annual property tax bill: $4,616

24. Washington

Washington has average tax rates, and a high median home value of $397,600.

Effective property tax rate: 0.94%

Median annual property taxes paid: $3,752

Average annual property tax bill: $5,469

23. Missouri

Missouri's tax rate is close to 1%, but property values there aren't very high. The median home value is $171,800.

Effective property tax rate: 0.98%

Median annual property taxes paid: $1,676

Average annual property tax bill: $2,326

22. North Dakota

North Dakota comes in near the middle of the list, with tax rates right at 1% and median home values higher than many other Midwestern states. The median home value in North Dakota is $209,900, according to recent Census data.

Effective property tax rate: 1.00%

Median annual property taxes paid: $2,092

Average annual property tax bill: $2,480

21. Maryland

With median home prices at $338,500 and an average property tax rate, Maryland homeowners pay more than average in taxes.

Effective property tax rate: 1.07%

Median annual property taxes paid: $3,633

Average annual property tax bill: $4,292

20. Minnesota

The median home value in Minnesota is $250,200. Minnesotans pay close to the US average in property taxes each year.

Effective property tax rate: 1.11%

Median annual property taxes paid: $2,767

Average annual property tax bill: $3,622

19. Massachusetts

Massachusetts homeowners pay significantly more than the average US homeowner in property taxes each year thanks to the state's high property values and high tax rate. The median home value here is $424,700.

Effective property tax rate: 1.20%

Median annual property taxes paid: $5,091

Average annual property tax bill: $6,953

18. Alaska

The typical Alaskan homeowner, with a median home value of $282,800, will spend more than the US average in property taxes each year.

Effective property tax rate: 1.22%

Median annual property taxes paid: $3,464

Average annual property tax bill: $4,289

17. South Dakota

The median home value in South Dakota is $187,800, which is relatively affordable. But the state's high tax rate means that homeowners here actually pay a little more than the average American on property taxes.

Effective property tax rate: 1.24%

Median annual property taxes paid: $2,331

Average annual property tax bill: $3,634

16. Maine

Maine has a median home value of $212,100, but relatively high tax rates.

Effective property tax rate: 1.28%

Median annual property taxes paid: $2,722

Average annual property tax bill: $4,790

15. Kansas

Kansas residents pay higher than average tax rates, but its median home value of $164,800 is much lower than many of the states on this list.

Effective property tax rate: 1.43%

Median annual property taxes paid: $2,355

Average annual property tax bill: $3,177

14. Michigan

With a median home value of $172,100, Michigan residents will pay a bit less to own a home.

Effective property tax rate: 1.48%

Median annual property taxes paid: $2,551

Average annual property tax bill: $3,423

13. Ohio

Even with a relatively low median home value of $159,900, Ohio's high property tax rate means Ohioans pay an average amount in property taxes each year.

Effective property tax rate: 1.53%

Median annual property taxes paid: $2,447

Average annual property tax bill: $3,305

12. Pennsylvania

Median home values in Pennsylvania are $197,300, which is on the lower end. But high tax rates leave Pennsylvanians paying more than homeowners in states with similar home prices.

Effective property tax rate: 1.53%

Median annual property taxes paid: $3,022

Average annual property tax bill: $3,902

11. Rhode Island

The average Rhode Islander with a median priced home of $292,600 will pay more than $6,000 in property taxes, one of the highest average tax bills in the country.

Effective property tax rate: 1.53%

Median annual property taxes paid: $4,483

Average annual property tax bill: $6,556

10. Iowa

Iowa has a median home value of $160,700, which is pretty low. But high tax rates give them an average tax bill compared to the rest of the US.

Effective property tax rate: 1.57%

Median annual property taxes paid: $2,522

Average annual property tax bill: $3,285

9. Nebraska

Though their median home value of $174,100 is on the lower end, Nebraska's homeowners end up paying relatively high tax bills.

Effective property tax rate: 1.67%

Median annual property taxes paid: $2,916

Average annual property tax bill: $4,246

8. New York

New Yorkers pay the highest average tax bill in the country. The median home price in New York is $340,600, while the average is $711,531.

Effective property tax rate: 1.73%

Median annual property taxes paid: $5,884

Average annual property tax bill: $12,292

7. Wisconsin

The median home value in Wisconsin is $200,400, according to 2021 Census data.

Effective property tax rate: 1.73%

Median annual property taxes paid: $3,472

Average annual property tax bill: $4,798

6. Texas

At $202,600, Texas doesn't have too high of a median home value, but high tax rates mean that the typical Texan will pay quite a bit in property taxes.

Effective property tax rate: 1.74%

Median annual property taxes paid: $3,520

Average annual property tax bill: $5,253

5. Vermont

Vermont homes are relatively affordable compared to the rest of New England, but property taxes are high in this state. The median home value is $240,600.

Effective property tax rate: 1.90%

Median annual property taxes paid: $4,570

Average annual property tax bill: $6,575

4. New Hampshire

New Hampshire residents have some of the highest property tax bills. The median home value in this state is $288,700.

Effective property tax rate: 2.09%

Median annual property taxes paid: $6,036

Average annual property tax bill: $9,367

3. Connecticut

High tax rates and a relatively high median home value of $286,700 make property taxes in Connecticut rather expensive.

Effective property tax rate: 2.15%

Median annual property taxes paid: $6,153

Average annual property tax bill: $8,013

2. Illinois

Illinois has the second-highest effective property tax rate in the US. But with a median home price of $212,600, homeowners' tax bills here aren't as high as some other states with lower rates.

Effective property tax rate: 2.23%

Median annual property taxes paid: $4,744

Average annual property tax bill: $5,520

1. New Jersey

New Jersey homeowners have the highest property tax rates in the country and the second-highest average tax bills after New York. The median home value in this state is $355,700.

Effective property tax rate: 2.47%

Median annual property taxes paid: $8,797

Average annual property tax bill: $11,577

Methodology

Insider used data from the US Census Bureau's American Community Survey to find the effective tax rates for each US state. We took the median real estate taxes paid for each state and divided that number by the state's median home value to determine the effective tax rate for the state.

To determine the average tax bill for each state, we utilized Zillow's average home value data and multiplied it by the effective tax rate.

Read the original article on Business Insider