Estimate Property Tax

Property Tax Calculator

Use the Property Tax Calculator to estimate annual property tax based on property value and local tax rate.

Property Details
🏘️ Property Type
Enter the market value or assessed value of your residential property. Homestead and senior exemptions are applied automatically if selected.
💰 Property Value
📍 Mill Rate & Location
🎫 Exemptions & Deductions
📊 Quick Results
Assessed Value
Taxable Value
Annual Tax
Monthly Payment
Property Tax Breakdown
Assessed Value
$0
@ 100% ratio
Taxable Value
$0
After exemptions
Annual Tax
$0
@ 15 mills
Monthly Escrow
$0
Annual ÷ 12
Full Calculation Detail
How to Use the Property Tax Calculator
1

Enter Property Value

Input your property's market value. The assessed value is calculated automatically based on your jurisdiction's assessment ratio.

2

Select Your Location

Choose your US state, Canadian province, or country from the dropdown — covering 80+ locations worldwide — to auto-fill the average effective mill rate.

3

Add Exemptions

Enter any homestead, senior, veteran, or other exemptions that reduce your taxable assessed value before the mill rate is applied.

4

Get Your Estimate

Instantly see your annual tax, monthly escrow amount, and a full breakdown — ready to copy, export to CSV, or print as PDF.

Everything You Need in a Property Tax Calculator

Instant Calculation

Results update as you type. No submit button needed — your annual tax and monthly escrow appear in real time.

🎫

Exemption Support

Deduct homestead, senior, veteran, disability, and other exemptions from your assessed value before applying the mill rate.

📍

80+ Countries & All US States

Pre-loaded with effective property tax rates for every US state, Canadian provinces, UK, Europe, Asia-Pacific, Middle East, Africa, and Latin America.

🏘️

Property Type Support

Calculate taxes for residential homes, commercial properties, and land — each with its own typical assessment profile.

📅

Monthly Escrow View

See your property tax broken down as a monthly payment — useful for budgeting your mortgage escrow account contributions.

🔒

100% Private

All calculations run entirely in your browser. Nothing is stored, sent to a server, or tracked — ever.

📱

Works on Any Device

Fully responsive design works seamlessly on desktop, tablet, and mobile. No app download required.

🔢

Custom Mill Rate

Enter any mill rate from your actual county tax bill for a precise, jurisdiction-specific estimate rather than a state average.

📋

Export & Copy

One-click copy, CSV download, or printable PDF export — paste directly into your budget spreadsheet, loan application, or email.

How Property Taxes Work

Property taxes are ad valorem taxes levied by local governments — counties, municipalities, and school districts — on real estate. They are typically the primary funding source for public schools, fire departments, roads, and local services.

Your annual bill is determined by three factors: the assessed value of your property (which may differ from its market value), the local mill rate (also called the millage rate), and any exemptions you qualify for. A mill equals $1 of tax for every $1,000 of taxable value.

🏦
Assessed Value vs. Market Value Many jurisdictions assess property at a fraction of its market value — e.g. 80% or 100%. The assessment ratio converts your market value into the figure used for tax calculation.
⚙️
Mill Rate (Millage Rate) A mill is one-thousandth of a dollar ($0.001). A mill rate of 15 means you owe $15 for every $1,000 of taxable assessed value. Most US counties range from 5 to 25+ mills.
🎫
Exemptions Reduce Your Bill Homestead exemptions (for primary residences), senior exemptions, veteran exemptions, and disability exemptions can significantly reduce your taxable assessed value and final bill.
Property Tax Formula
Step 1 — Assessed Value
Assessed Value = Market Value × Assessment Ratio
Example: $350,000 × 100% = $350,000 assessed
Step 2 — Taxable Value
Taxable Value = Assessed Value − Exemptions
Example: $350,000 − $25,000 homestead = $325,000 taxable
Step 3 — Annual Tax
Annual Tax = (Taxable Value ÷ 1,000) × Mill Rate
Example: ($325,000 ÷ 1,000) × 15 = $4,875/year
Average Effective Property Tax Rates by State
🌴

Low Tax States

Effective rate on market value
Hawaii
0.29%
Alabama
0.41%
Colorado
0.51%
Nevada
0.55%
Louisiana
0.55%
South Carolina
0.57%
🌆

Mid Tax States

Effective rate on market value
Florida
0.83%
California
0.73%
Arizona
0.63%
Virginia
0.80%
North Carolina
0.80%
Maryland
1.09%
🏙️

High Tax States

Effective rate on market value
New Jersey
2.23%
Illinois
2.08%
New Hampshire
1.89%
Connecticut
1.79%
Texas
1.74%
Wisconsin
1.73%
🏠

Common Exemptions

Typical US amounts
Florida Homestead
$50,000
Texas Homestead
$100,000
Georgia Homestead
$2,000
Senior (many states)
$10–$50K
Veteran (many states)
Varies widely
Disability (many states)
Varies widely
🏢

Assessment Ratios

By state example
Most states
100%
California (Prop 13)
~80% (avg)
Alabama
10% (res.)
Arkansas
20%
Mississippi
10% (res.)
Tennessee
25% (res.)
📐

Mill Rate Examples

Selected counties
Honolulu, HI
3.5 mills
Miami-Dade, FL
~18 mills
Cook County, IL
~25 mills
Harris Co., TX
~22 mills
Los Angeles, CA
~11 mills
Jefferson Co., AL
6.5 mills
Why Accurate Property Tax Calculation Matters
01

Mortgage Escrow Planning

Lenders typically escrow property taxes into your monthly mortgage payment. Knowing your annual tax bill up front helps you budget accurately and avoid shortfall surprises.

✓ Budgeting
02

Home Purchase Decisions

Property taxes can add thousands of dollars per year to the true cost of owning a home. Comparing tax burdens across counties or states is essential before buying.

✓ Buying
03

Appeal Your Assessment

If your assessed value seems higher than your property's market value, you have the right to appeal. This calculator helps you see exactly what a lower assessment would save.

✓ Appeals
04

Maximize Your Exemptions

Many homeowners fail to claim all exemptions they are entitled to. Model your savings from homestead, senior, veteran, or disability exemptions before applying.

✓ Exemptions
05

Investment Property Analysis

Accurate property tax estimates are critical for real estate investors calculating net operating income (NOI), cap rates, and cash-on-cash returns on rental properties.

✓ Investing
06

Retirement Location Planning

Property taxes vary enormously by state and county. Retirees on fixed incomes often choose locations partly based on their effective property tax rate and available senior exemptions.

✓ Retirement
Property Tax Calculator FAQs
What is property tax? +
Property tax is a recurring tax imposed by local governments on real estate such as homes, land, or commercial buildings based on their assessed value.
How is property tax calculated? +
Property tax is usually calculated by multiplying the assessed value of the property by the local property tax rate set by the government.
Why do property taxes vary between locations? +
Different regions set their own tax rates depending on local budgets, infrastructure costs, and public service funding needs.
What is assessed property value? +
The assessed value is an estimated value assigned by local authorities to determine how much property tax should be paid.
Why estimate property tax before buying property? +
Estimating property tax helps buyers understand the long-term cost of owning a property and plan their finances more effectively.
Do property taxes increase over time? +
Yes, property taxes may increase if property values rise or if local tax rates change.

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