Property Tax Calculator by State — Free | Nestlyze
Free property tax calculator with real effective rates for CA (0.75%), TX (1.80%), FL (0.97%), NY (1.40%), IL (2.08%), NJ (2.23%), MA, WA, AZ, CO. Annual + monthly + vs national median.
Property tax calculator — by state, free
U.S. property tax stacks state, county, and school-district levies. Headline mill rates and effective rates differ: effective rate is annual bill divided by market value, after assessment ratios, homestead exemptions, and caps like California's Prop 13. This calculator uses each state's real effective rate from its Department of Revenue.
State effective property tax rates we use
California (0.75%) — Prop 13 base 1% + local add-ons. See Prop 13 explained.
Texas (1.80%) — highest in our table; offset by no state income tax.
Florida (0.97%) — Save Our Homes 3% cap after homestead.
New York (1.40%) — NY ORPTS statewide; Westchester/Long Island skew higher.
Illinois (2.08%) — Cook County and Chicago school districts drive the load.
New Jersey (2.23%) — highest in U.S. per NJ DCA.
Massachusetts (1.20%) — Prop 2½ cap on annual levy growth.
Washington (0.94%) — Seattle includes school + transit levies.
Arizona (0.66%) — among the lowest, AZ DOR.
Colorado (0.55%) — lowest in our table; Gallagher repeal + TABOR keep it structurally low.
Why state averages mislead
Cook County (IL), Westchester (NY), and Essex (NJ) all run materially above state average. Effective rates inside a state vary 30-80% by county. A full Nestlyze report pulls the parcel's actual assessor record rather than applying a state-wide rate.