Property Tax Calculator USA 2026
Calculate your annual USA 2026 property tax by state, home value and homestead exemption — with monthly escrow breakdown.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Annual property tax
$6,750
Range: $6,413 – $7,290
$400,000 home in TX at 1.80%
Cost breakdown
| State effective tax rate | 1.80% |
| Assessed value | $400,000 |
| Homestead exemption | −$25,000 |
| Taxable value | $375,000 |
| Annual property tax | $6,750 |
| Monthly escrow payment | $562.50 |
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Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
What is a homestead exemption?
A reduction in taxable value for primary residences. Amounts vary — Texas offers $100K on school taxes; Florida offers $50K.
Why are property taxes so different by state?
They fund local schools and services. New Jersey (2.49%) and Illinois (2.27%) rank highest; Hawaii (0.28%) is lowest in 2026.
Can I appeal my property tax?
Yes. File a protest with your county assessor within 30–60 days of the notice. Successful appeals average 10–20% reductions.