Local costs
What a home really costs, county by county
Property taxes, home insurance, and closing costs swing enormously across the country — often more than the mortgage rate itself. These pages pull the real numbers for every US county from public data (Census, NAIC, FEMA) and our own calculator, so you can see what a home costs to own where you’re actually buying — not one national average.
Pick a state
51 states and DC · 3,135 counties. Every number is computed from real data or our own math and shows its source and vintage.
Alabama67Alaska28Arizona15Arkansas75California58Colorado64Connecticut9Delaware3District of Columbia1Florida67Georgia158Hawaii4Idaho44Illinois102Indiana92Iowa99Kansas105Kentucky120Louisiana64Maine16Maryland24Massachusetts14Michigan83Minnesota87Mississippi81Missouri115Montana56Nebraska93Nevada17New Hampshire10New Jersey21New Mexico33New York62North Carolina100North Dakota53Ohio88Oklahoma77Oregon36Pennsylvania67Rhode Island5South Carolina46South Dakota66Tennessee95Texas250Utah29Vermont14Virginia133Washington39West Virginia55Wisconsin72Wyoming23
What’s on each page
- The real property-tax rate for the county, next to the state and national averages so you can see whether it runs high or low.
- Home insurance scaled to local risk from the NAIC state average and the FEMA National Risk Index, plus flood and earthquake flags where a standard policy leaves gaps.
- Honest closing costs — the state’s transfer taxes and who customarily pays, title-insurance regime, and prepaid escrow.
- The all-in monthly cost of the area’s median home at this week’s rate, and the income it takes to carry it comfortably.
Estimates, not advice. See the methodology for how every number is computed and where the honest gaps are.