Property Tax Calculator by ZIP Code
Estimate your annual property tax for any of 29,987 US ZIP codes. Select your state, pick your ZIP code, and enter your home value.
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Search for a city, ZIP code, or state above to calculate your estimated property tax.
Estimates are based on U.S. Census Bureau, ACS 2019-2023 5-Year Estimates (ZCTA level). Actual tax bills vary based on exemptions, assessments, and local levies. Always verify with your local county assessor.
How Property Tax Is Calculated
Select Your ZIP Code
Choose your state, then pick your ZIP code from 29,987+ locations.
Enter Home Value
Type your home's estimated market value or use the slider.
See Your Estimate
Get your annual tax, monthly escrow, and effective rate instantly.
Property tax is the single largest tax most homeowners pay each year, yet many people don't understand how it's determined. Your property tax bill is based on two key factors: your home's assessed value and the local tax rate (often called a mill levy). The assessed value is set by your county assessor and may be based on recent sales of comparable homes, the cost to rebuild your property, or the income it could produce.
Tax rates are set annually by local governments and special districts — including school boards, fire districts, and municipal agencies — that each levy their own portion. Your total tax rate is the sum of all these overlapping levies. This is why property tax rates can vary significantly even between neighboring ZIP codes within the same county.
The effective tax rate — the metric we use across PropertyTaxByZip — is calculated by dividing the actual taxes paid by the home's market value. This is a more accurate comparison tool than the nominal mill levy because it accounts for differences in assessment ratios between states. Nationally, the average effective rate is 1.05%, meaning a home worth $282,193 would generate roughly $2,721 in annual property taxes.
Most homeowners can reduce their tax burden through exemptions. Homestead exemptions (available in most states) reduce the taxable value of your primary residence, sometimes by $25,000 to $50,000. Senior citizen, veteran, and disability exemptions offer additional reductions. If you believe your assessed value is too high, you have the right to file a formal appeal with your county assessor — a process that succeeds more often than most homeowners realize.
Property Tax Rates by State
Average effective property tax rates for all 50 states and Washington D.C., sorted from lowest to highest. Click a state to explore its ZIP codes.
| State | Effective Rate | Avg. Tax |
|---|---|---|
| Hawaii | 0.25% | $1,841 |
| Alabama | 0.37% | $605 |
| Colorado | 0.42% | $1,882 |
| Louisiana | 0.45% | $868 |
| Utah | 0.50% | $1,901 |
| Idaho | 0.50% | $1,608 |
| Delaware | 0.51% | $1,806 |
| Nevada | 0.52% | $2,027 |
| West Virginia | 0.54% | $661 |
| Wyoming | 0.54% | $1,638 |
| Arizona | 0.54% | $1,711 |
| South Carolina | 0.54% | $1,035 |
| Tennessee | 0.55% | $1,206 |
| Arkansas | 0.58% | $735 |
| New Mexico | 0.59% | $1,142 |
| District of Columbia | 0.59% | $4,445 |
| Oklahoma | 0.66% | $992 |
| Virginia | 0.67% | $2,243 |
| Indiana | 0.69% | $1,251 |
| California | 0.69% | $4,900 |
| Montana | 0.71% | $1,885 |
| North Carolina | 0.71% | $1,591 |
| Mississippi | 0.73% | $910 |
| Oregon | 0.74% | $2,995 |
| Kentucky | 0.75% | $1,097 |
| Florida | 0.76% | $2,645 |
| Washington | 0.77% | $3,592 |
| Missouri | 0.78% | $1,376 |
| North Dakota | 0.83% | $1,362 |
| Alaska | 0.84% | $2,355 |
| Georgia | 0.87% | $1,844 |
| Minnesota | 0.96% | $2,306 |
| Maryland | 0.96% | $3,974 |
| Maine | 1.04% | $2,554 |
| South Dakota | 1.10% | $1,761 |
| Massachusetts | 1.13% | $5,732 |
| Michigan | 1.22% | $2,426 |
| Ohio | 1.24% | $2,304 |
| Iowa | 1.28% | $2,065 |
| Rhode Island | 1.29% | $5,058 |
| Nebraska | 1.32% | $2,283 |
| Pennsylvania | 1.34% | $2,804 |
| Texas | 1.35% | $3,131 |
| Wisconsin | 1.40% | $3,199 |
| Kansas | 1.44% | $2,005 |
| Vermont | 1.69% | $4,661 |
| New Hampshire | 1.74% | $5,963 |
| Connecticut | 1.78% | $6,443 |
| New York | 1.85% | $5,252 |
| Illinois | 1.88% | $3,501 |
| New Jersey | 2.04% | $8,597 |
| National Average | 1.05% | $2,721 |
Lowest & Highest Property Tax ZIP Codes
10 Lowest Property Tax Rates
10 Highest Property Tax Rates
| ZIP Code | Rate | Tax |
|---|---|---|
| 57773Pringle, SD | 17.12% | $1,712 |
| 12759Loch Sheldrake, NY | 7.99% | $6,194 |
| 71864Willisville, AR | 6.33% | $633 |
| 10475Bronx, NY | 5.30% | $1,691 |
| 61426Castleton, IL | 4.97% | $1,482 |
| 61775Strawn, IL | 4.88% | $5,566 |
| 87326Vanderwagen, NM | 4.75% | $2,400 |
| 14774Richburg, NY | 4.61% | $3,571 |
| 71758Mount Holly, AR | 4.49% | $3,378 |
| 13060Elbridge, NY | 3.96% | $4,612 |
Frequently Asked Questions
How is property tax calculated?
What is an effective property tax rate?
Why do property tax rates vary by ZIP code?
Can I appeal my property tax assessment?
What are common property tax exemptions?
What is a ZCTA and how does it relate to ZIP codes?
What does my property tax pay for?
Data source: U.S. Census Bureau, American Community Survey (ACS) 2019-2023 5-Year Estimates, ZIP Code Tabulation Area (ZCTA) level. ZCTAs are Census approximations of USPS ZIP codes and may not correspond exactly. Effective tax rates are derived by dividing median property tax by median home value. Estimates are informational only and should not be used as financial or legal advice. For the most current tax information, contact your local county assessor.