Property Tax by State (Rates)

Property tax by state is one of the first things homeowners compare when they are deciding where to live, buying a home, or simply staring at a bill that jumped. The honest answer is that it varies enormously. The typical homeowner pays around $4,271 a year, but that runs from about $1,000 in the lowest states to nearly $10,000 in the highest. This guide compares how property tax by state actually works across all 50 states, and links you to a detailed, current guide for your own state.

The short answer: The typical U.S. homeowner pays about $4,271 a year in property tax, but the real range runs from roughly $1,044 in West Virginia to about $9,767 in New Jersey. Property tax is the most local tax there is, so your county and school district can matter as much as your state. And no U.S. state has zero property tax, no matter what you may have read.

Quick Facts: Property Tax by State

Here are the property tax by state facts most homeowners want first.

  • The typical U.S. homeowner pays about $4,271 a year in property tax (2024 data).
  • The highest average bills are in New Jersey (about $9,767); the lowest are in West Virginia (about $1,044).
  • New Jersey also has the highest effective rate, while Hawaii has the lowest — its very high home values keep the rate down.
  • Property tax makes up about 29% of all state and local taxes, and about 70% of local taxes — it is what funds your schools, roads, and services.
  • No U.S. state has zero property tax. “No property tax” searches really mean low-rate states, or states with no STATE-level tax (it is almost all local).
  • Because it is set locally, two homes in the same state can have very different bills depending on the county and school district.

How Property Tax by State Is Set

Your property tax by state is built from two pieces, not one. Understanding them explains why two homeowners can pay very different amounts for similar houses.

The first piece is your home’s assessed value — what the local assessor says your property is worth for tax purposes. The second is the tax rate (often called the mill rate or millage), which is set by your county, city, and school district combined. Your bill is roughly the assessed value times the rate, minus any exemptions you qualify for. Because the rate is set locally, the state you live in is only part of the story — the county and school district you live in can swing your bill by thousands of dollars.

Property Tax by State: Highest vs Lowest

The table below shows the national picture and the extremes. These are current, verified figures, but they are averages — your own bill depends on your home’s value and your local rate. You will find your state’s exact, current figure in its full guide, linked further down.

Measure Figure What it means
Typical U.S. bill (average) ~$4,271 / yr Average annual bill on an owner-occupied home (2024 data)
Highest average bill New Jersey ~$9,767 High home values plus high local rates
Lowest average bill West Virginia ~$1,044 Low home values and low rates
Highest effective rate New Jersey The rate itself is highest, not just the bill
Lowest effective rate Hawaii Very high home values keep the rate low
States with no property tax None Every state levies it — see the myth below

Figures above are verified national averages from public data (2024 ACS / Tax Foundation / NAHB). They are not your final bill. Open your state’s guide below for the exact, current rate and typical bill where you live.

Why Some States Cost So Much More

Three things drive most of the gap between a cheap state and an expensive one. The first is home values: a modest rate on a $700,000 home still produces a large bill, which is why high-cost states often top the list. The second is how much local government relies on property tax to fund schools and services — some states lean on it heavily, others use income or sales tax instead. The third is exemptions and caps: many states protect homeowners with homestead exemptions, senior freezes, or assessment caps that quietly lower the real bill. Together, these three forces explain most property tax by state differences.

The “No Property Tax” Myth, Explained

One of the most common searches is for states with no property tax — and the honest answer is that there are none. Every U.S. state levies property tax, because it is mainly a local tax that funds local schools and services. What people usually mean is one of three things: states with the lowest effective rates, states with no STATE-level property tax (most states, since it is set locally), or states with generous homestead, senior, and veteran exemptions that shrink the bill. If a low bill is your goal, focus on the rate and the exemptions, not a state that has magically abolished the tax. It is the single biggest misconception in any property tax by state comparison.

Lowering your tax bill? Check your home insurance too.

Property tax isn’t the only home cost worth a second look. Many homeowners are overpaying for home insurance without knowing it — comparing quotes is a fast way to keep more of your money.

Compare Home Insurance →

How to Lower Your Property Tax Bill

Wherever you land on the property tax by state map, you have more control than most homeowners realize. First, check your exemptions — homestead, senior, veteran, and disability exemptions can quietly cut your bill, and many people never claim the ones they qualify for. Second, review your assessment: if your home is valued too high, you can appeal, and the deadline is short and set by your county. Third, after any change, understand your escrow so a reassessment does not surprise you. Your state guide walks through which of these apply where you live.

Find Your State’s Property Tax

Use the property tax by state directory below. Pick your state for a detailed guide with the current effective rate, the typical bill, the main exemptions, and how to appeal if you think your assessment is too high.

Think your bill is too high? See how to appeal →

Frequently Asked Questions

Which state has the highest property tax?

New Jersey has both the highest average bill (about $9,767 a year) and the highest effective rate. Illinois is close behind on the rate. New York and Connecticut also rank near the top, especially in high-value areas.

Which state has the lowest property tax?

By dollar amount, West Virginia and Alabama have some of the lowest average bills (around $1,000 or less). By rate, Hawaii is the lowest in the country, though its high home values mean the actual bill is not as small as the rate suggests.

Which states have no property tax?

None. Every U.S. state levies property tax because it is mainly a local tax. Some states have no state-level property tax (most, since it is set by counties and school districts), and some offer generous exemptions — but the tax itself exists everywhere.

Why is my property tax so different from my neighbor’s or another state’s?

Because it is local. Your bill depends on your home’s assessed value, your combined county, city, and school-district rate, and any exemptions you claim. Two similar homes in different counties — even in the same state — can pay very different amounts.

Bottom line: Property tax by state varies more than almost any other tax, because it is set locally — by your county, city, and school district, not just your state. The typical bill is around $4,271, but yours depends on where you live and what your home is worth. Open your state’s guide above for the current figure, and check whether you qualify for an exemption or have grounds to appeal.

Sources & How to Verify

The figures here come from official and authoritative sources. Property tax rates and typical bills reset every year and vary by county and school district, so always confirm the current figure for your area with your county assessor. Know Property Tax is an independent educational resource, not a government agency or a tax-appeal service.

  • Tax Foundation: taxfoundation.org — property taxes by state & county
  • U.S. Census Bureau: census.gov — median property tax paid and home values (ACS)
  • NAHB Eye on Housing: eyeonhousing.org — average annual real-estate-tax bills by state
  • Your county assessor & state Department of Revenue: search “[your county] assessor” for your exact rate, exemptions, and appeal deadline