Mortgage
Mortgage calculator by state, 2026
Mortgage rates barely differ across state lines — lenders price on credit and loan size, not geography. Property tax does differ, enormously, and it is bundled into the same monthly payment. Each state page opens the calculator with that state's median effective rate already applied.
20% or more avoids private mortgage insurance (PMI).
Charged on the loan amount while your loan-to-value is above 80%.
Total monthly payment
$2,572.62
- Principal & interest
- $2,022.62
- Property tax
- $400.00
- Home insurance
- $150.00
- Loan amount
- $320,000
- Total interest over the loan
- $408,141
Amortization by year
| Year | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,693 |
| 10 | $6,410 | $17,861 | $271,283 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,146 |
| 13 | $7,786 | $16,485 | $249,360 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,731 |
| 17 | $10,091 | $14,180 | $212,640 |
| 18 | $10,767 | $13,505 | $201,873 |
| 19 | $11,488 | $12,784 | $190,385 |
| 20 | $12,257 | $12,014 | $178,128 |
| 21 | $13,078 | $11,193 | $165,050 |
| 22 | $13,954 | $10,317 | $151,096 |
| 23 | $14,889 | $9,383 | $136,207 |
| 24 | $15,886 | $8,386 | $120,321 |
| 25 | $16,950 | $7,322 | $103,372 |
| 26 | $18,085 | $6,187 | $85,287 |
| 27 | $19,296 | $4,976 | $65,991 |
| 28 | $20,588 | $3,683 | $45,403 |
| 29 | $21,967 | $2,304 | $23,436 |
| 30 | $23,436 | $833 | $0 |
The same $400,000 home, $7,760 apart
On a $400,000 home, Hawaii charges about $1,160 a year in property tax at 0.29%, while New Jersey charges $8,920 at 2.23%. That is $647 a month of difference on an identical loan — and unlike principal and interest, it never ends.
Choose your state
- Alabama0.4%
- Alaska1.04%
- Arizona0.62%
- Arkansas0.62%
- California0.71%
- Colorado0.51%
- Connecticut1.79%
- Delaware0.58%
- District of Columbia0.57%
- Florida0.86%
- Georgia0.9%
- Hawaii0.29%
- Idaho0.63%
- Illinois2.08%
- Indiana0.81%
- Iowa1.52%
- Kansas1.34%
- Kentucky0.83%
- Louisiana0.56%
- Maine1.24%
- Maryland1.05%
- Massachusetts1.14%
- Michigan1.38%
- Minnesota1.11%
- Mississippi0.79%
- Missouri0.97%
- Montana0.74%
- Nebraska1.63%
- Nevada0.55%
- New Hampshire1.93%
- New Jersey2.23%
- New Mexico0.67%
- New York1.64%
- North Carolina0.8%
- North Dakota0.98%
- Ohio1.53%
- Oklahoma0.89%
- Oregon0.93%
- Pennsylvania1.49%
- Rhode Island1.4%
- South Carolina0.57%
- South Dakota1.17%
- Tennessee0.67%
- Texas1.68%
- Utah0.57%
- Vermont1.83%
- Virginia0.82%
- Washington0.87%
- West Virginia0.57%
- Wisconsin1.61%
- Wyoming0.61%
Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.