Mortgage Calculator by State

Pick a state page to preload tax and insurance assumptions, then edit values for your local scenario.

First 5 seeded state pages

Defaults are from the approved state assumptions seed pack and are editable in each state calculator page.

Florida

Default tax rate: 0.90%

Default insurance: $2,845/yr

High inbound search demand. Show reminder that coastal homes may need separate flood/wind considerations beyond base homeowners insurance.

Open Florida page

South Carolina

Default tax rate: 0.55%

Default insurance: $3,205/yr

High inbound demand with wide local variation. Prompt users to verify county taxes and coastal insurance assumptions.

Open South Carolina page

Arizona

Default tax rate: 0.41%

Default insurance: $3,415/yr

Strong inbound demand. Encourage users to validate county-level property tax and wildfire-exposed insurance pricing.

Open Arizona page

Nevada

Default tax rate: 0.48%

Default insurance: $1,635/yr

Above-average inbound demand. Note that insurance and tax costs differ significantly between metro and rural counties.

Open Nevada page

Tennessee

Default tax rate: 0.46%

Default insurance: $4,220/yr

High inbound demand. Add note that local taxes/fees vary by county and can meaningfully change monthly payment.

Open Tennessee page

State assumption disclaimer

State defaults are directional estimates. County taxes and insurance quotes can differ materially.