Which states have the most expensive homeowners insurance?

By average premium for a $300,000 dwelling (Insurance.com / Quadrant, as of 2026-03-20), the most expensive are Florida ($7,136/yr), Louisiana ($5,986), Kansas ($5,260), Oklahoma ($5,010) and Colorado ($4,963). The cheapest are Hawaii ($659), Vermont ($1,063), New Hampshire ($1,300), Maine ($1,335) and Delaware ($1,374). The national average is $2,543/yr.

How is the combined annual cost calculated?

For a home price you choose, the table multiplies the state's effective property-tax rate by the home price (annual property tax) and adds the state's average homeowners-insurance premium. This is the annual escrow portion of a mortgage — it excludes principal & interest, which depend on your loan amount and rate.

US Monthly Mortgage Cost by State — Property Tax & Insurance Comparison

Name: US Monthly Mortgage Cost by State — Property Tax & Insurance Comparison
Creator: Gera Tools
License: https://creativecommons.org/licenses/by/4.0/

Compare the real monthly cost of a mortgage across all 50 states + DC: effective property-tax rate and average homeowners insurance, side by side.

Compare the monthly cost of homeownership across every US state. Real effective property-tax rates (WalletHub 2026) and average homeowners-insurance premiums (Insurance.com / Quadrant, $300k dwelling) for all 50 states + DC. Pick a home price and sort by tax, insurance, or combined annual cost. Click any state for its full PITI calculator. It runs free in your browser on Gera Tools, with nothing uploaded.

Last updated 17 June 2026 Source: Gera Tools

Which states have the highest property-tax rates?

By effective real-estate tax rate (WalletHub 2026, as of 2026-02-17), the highest are New Jersey (2.11%), Illinois (2.01%), Connecticut (1.81%), New Hampshire (1.66%) and Vermont (1.59%). The lowest are Hawaii (0.27%), Alabama (0.38%), Nevada (0.47%), Arizona (0.48%) and Colorado (0.48%).

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US Monthly Mortgage Cost by State

The monthly cost of a mortgage is not just principal and interest — property tax and homeowners insurance can swing the total by hundreds of dollars a month depending on the state. This page compares both, with real sourced figures, across all 50 states + DC.

Property-tax rates: effective real-estate tax rate per state, from WalletHub “Property Taxes by State in 2026” effective real-estate tax rate (as of 2026-02-17).
Homeowners insurance: average annual premium for a $300,000 dwelling, from Insurance.com / Quadrant Information Services ($300,000 dwelling) (national average $2,543/yr, as of 2026-03-20).

Pick a home price below, sort by what matters to you, and click any state for its full PITI calculator.

Estimate only. Property tax is set locally and varies within each state; insurance is a state average for a $300k dwelling. These are statewide averages for comparison, not quotes.