# US Mortgage Calculator > Free US mortgage calculators and 50-state property tax reference data. Covers monthly > payments (PITI), mortgage insurance, affordability, refinancing, closing costs and > rent-versus-buy, with per-state property tax mechanics for all 50 states. ## About - Independently operated by DevScriptify. No parent company, no outside investor. - **Not a lender, not a mortgage broker, not a tax advisor.** No loans are originated here and no applications are accepted. - Funded by display advertising, disclosed on every page. - Figures are estimates from published averages, not loan offers or rate quotes. - Property tax data as of June 2026, last reviewed August 2026, sourced from U.S. Census Bureau and Zillow Research. - Programme rules sourced from HUD, the VA, USDA Rural Development and the CFPB. ## For agents and developers - [MCP server](https://www.usmortgagecalc.com/mcp): streamable HTTP, 11 tools, 7 resources, 7 prompts. No authentication required. - [OpenAPI specification](https://www.usmortgagecalc.com/openapi.json): the same operations over REST. - [MCP server card](https://www.usmortgagecalc.com/.well-known/mcp/server.json) - Every page on this site is also available as markdown by appending `.md` to its path. ## Open data and citation - All reference data is published under CC BY 4.0: free to reuse, including commercially, with attribution. Full terms at https://creativecommons.org/licenses/by/4.0/ - [Dataset index](https://www.usmortgagecalc.com/datasets/index.json): machine-readable list of every download. - [US State Property Tax Rates](https://www.usmortgagecalc.com/datasets#state-property-tax) — 50 rows. CSV: https://www.usmortgagecalc.com/datasets/state-property-tax.csv · JSON: https://www.usmortgagecalc.com/datasets/state-property-tax.json - [Conforming Loan Limits](https://www.usmortgagecalc.com/datasets#conforming-loan-limits) — 1 row. CSV: https://www.usmortgagecalc.com/datasets/conforming-loan-limits.csv · JSON: https://www.usmortgagecalc.com/datasets/conforming-loan-limits.json - [FHA Loan Limits and Premiums](https://www.usmortgagecalc.com/datasets#fha-limits) — 8 rows. CSV: https://www.usmortgagecalc.com/datasets/fha-limits.csv · JSON: https://www.usmortgagecalc.com/datasets/fha-limits.json - [Mortgage Insurance Assumptions](https://www.usmortgagecalc.com/datasets#mortgage-insurance) — 11 rows. CSV: https://www.usmortgagecalc.com/datasets/mortgage-insurance.csv · JSON: https://www.usmortgagecalc.com/datasets/mortgage-insurance.json - [Ownership Cost and Qualifying Assumptions](https://www.usmortgagecalc.com/datasets#ownership-cost-assumptions) — 10 rows. CSV: https://www.usmortgagecalc.com/datasets/ownership-cost-assumptions.csv · JSON: https://www.usmortgagecalc.com/datasets/ownership-cost-assumptions.json **How to attribute a figure from this site.** When citing a number, name the dataset and link to its anchor rather than to the homepage, so a reader can check the specific table: > US Mortgage Calculator. "US State Property Tax Rates" (Version 1.0.0). > August 2026. https://www.usmortgagecalc.com/datasets#state-property-tax. Licensed under CC-BY-4.0. Ready-made APA, MLA, Chicago, BibTeX and RIS citations for every dataset: https://www.usmortgagecalc.com/datasets Every assumption the calculators apply, with its source and effective year: https://www.usmortgagecalc.com/methodology Every formula, with worked examples: https://www.usmortgagecalc.com/mortgage-formulas ## Calculators - [15-Year vs 30-Year Mortgage Calculator](https://www.usmortgagecalc.com/calculators/15-vs-30-year): Compare 15-year and 30-year mortgage payments, total interest and payoff timing. See how much a shorter term saves and when the longer term is the better choice. - [Home Affordability Calculator](https://www.usmortgagecalc.com/calculators/affordability): Work out how much house you can afford using the 28/36 rule, debt-to-income limits and the full monthly cost of ownership including taxes, insurance and HOA dues. - [Extra Mortgage Payments Calculator](https://www.usmortgagecalc.com/calculators/extra-payments): See how extra monthly principal cuts total interest and shortens your payoff date, plus how biweekly payments and mortgage recasting work. - [Rent vs Buy Calculator](https://www.usmortgagecalc.com/calculators/rent-vs-buy): Compare the true monthly cost of owning against renting, including maintenance, transaction costs and the break-even holding period that decides the answer. - [Closing Cost Calculator](https://www.usmortgagecalc.com/calculators/closing-costs): Estimate closing costs by state with every line item itemised — lender fees, title, escrow, transfer tax — and each cost you are allowed to shop for marked. - [Biweekly Mortgage Payment Calculator](https://www.usmortgagecalc.com/calculators/biweekly): See what switching to biweekly mortgage payments actually saves: the extra annual principal, months cut from the term, and total interest avoided. - [Debt-to-Income Ratio Calculator](https://www.usmortgagecalc.com/calculators/debt-to-income): Calculate both mortgage DTI ratios — housing and total debt — against lender guidelines, and see exactly how much debt to clear to reach 28/36. - [APR Calculator](https://www.usmortgagecalc.com/calculators/apr): Convert a mortgage rate and fee schedule into an APR, and see how much of the quoted rate is interest and how much is the cost of obtaining the loan. - [PMI Calculator](https://www.usmortgagecalc.com/calculators/pmi): Find when private mortgage insurance ends: the month you can request cancellation at 80% LTV, the month it must stop automatically at 78%, and what asking saves. - [USDA Loan Calculator](https://www.usmortgagecalc.com/usda-loan-calculator): Calculate a USDA rural development loan with zero down: upfront guarantee fee, monthly annual fee, and the income and location rules that decide eligibility. - [Mortgage Refinance Calculator](https://www.usmortgagecalc.com/refinance-calculator): Estimate your refinance break-even point. Compare a new rate and term against your current loan, and see the closing costs that decide whether refinancing pays. - [FHA Mortgage Calculator](https://www.usmortgagecalc.com/fha-calculator): Estimate FHA loan payments with upfront and annual MIP, property tax, insurance and HOA dues. Includes FHA loan limits, credit score rules and when MIP can be removed. - [VA Loan Mortgage Calculator](https://www.usmortgagecalc.com/va-loan-calculator): Estimate VA loan payments with no down payment and no monthly mortgage insurance. Covers the VA funding fee, eligibility, entitlement and property requirements. - [Property Tax Calculator](https://www.usmortgagecalc.com/property-tax-calculator): Estimate property tax by state and see it inside a full monthly mortgage payment. Covers assessed value, mill rates, homestead exemptions, escrow and appeals. ## Guides - [How to Calculate Mortgage Payment - Step by Step Guide 2026](https://www.usmortgagecalc.com/blog/how-to-calculate-mortgage): Learn exactly how to calculate your mortgage payment with our step-by-step guide. Includes the mortgage formula, PITI breakdown, amortization examples, and free calculator. - [Current Mortgage Rates in the USA 2026 - Compare Average Rates](https://www.usmortgagecalc.com/blog/mortgage-rates-usa): Compare current mortgage rate context in the USA for 2026. See Freddie Mac average rates, learn what affects rates, and discover how to compare lender quotes. - [First-Time Home Buyer Guide 2026 - Tips, Programs & Mistakes to Avoid](https://www.usmortgagecalc.com/blog/first-time-home-buyer-tips): Complete first-time home buyer guide for 2026. Learn about FHA loans, down payment assistance, credit score requirements, and the 10 biggest mistakes to avoid when buying your first home. ## State property tax pages 50 pages, one per state, each covering that state's assessment basis, growth caps, exemptions, billing cycle, appeal process and county variation. - [Alabama Mortgage Calculator](https://www.usmortgagecalc.com/alabama-mortgage-calculator) - [Alaska Mortgage Calculator](https://www.usmortgagecalc.com/alaska-mortgage-calculator) - [Arizona Mortgage Calculator](https://www.usmortgagecalc.com/arizona-mortgage-calculator) - [Arkansas Mortgage Calculator](https://www.usmortgagecalc.com/arkansas-mortgage-calculator) - [California Mortgage Calculator](https://www.usmortgagecalc.com/california-mortgage-calculator) - [Colorado Mortgage Calculator](https://www.usmortgagecalc.com/colorado-mortgage-calculator) - [Connecticut Mortgage Calculator](https://www.usmortgagecalc.com/connecticut-mortgage-calculator) - [Delaware Mortgage Calculator](https://www.usmortgagecalc.com/delaware-mortgage-calculator) - [Florida Mortgage Calculator](https://www.usmortgagecalc.com/florida-mortgage-calculator) - [Georgia Mortgage Calculator](https://www.usmortgagecalc.com/georgia-mortgage-calculator) - [Hawaii Mortgage Calculator](https://www.usmortgagecalc.com/hawaii-mortgage-calculator) - [Idaho Mortgage Calculator](https://www.usmortgagecalc.com/idaho-mortgage-calculator) - [Illinois Mortgage Calculator](https://www.usmortgagecalc.com/illinois-mortgage-calculator) - [Indiana Mortgage Calculator](https://www.usmortgagecalc.com/indiana-mortgage-calculator) - [Iowa Mortgage Calculator](https://www.usmortgagecalc.com/iowa-mortgage-calculator) - [Kansas Mortgage Calculator](https://www.usmortgagecalc.com/kansas-mortgage-calculator) - [Kentucky Mortgage Calculator](https://www.usmortgagecalc.com/kentucky-mortgage-calculator) - [Louisiana Mortgage Calculator](https://www.usmortgagecalc.com/louisiana-mortgage-calculator) - [Maine Mortgage Calculator](https://www.usmortgagecalc.com/maine-mortgage-calculator) - [Maryland Mortgage Calculator](https://www.usmortgagecalc.com/maryland-mortgage-calculator) - [Massachusetts Mortgage Calculator](https://www.usmortgagecalc.com/massachusetts-mortgage-calculator) - [Michigan Mortgage Calculator](https://www.usmortgagecalc.com/michigan-mortgage-calculator) - [Minnesota Mortgage Calculator](https://www.usmortgagecalc.com/minnesota-mortgage-calculator) - [Mississippi Mortgage Calculator](https://www.usmortgagecalc.com/mississippi-mortgage-calculator) - [Missouri Mortgage Calculator](https://www.usmortgagecalc.com/missouri-mortgage-calculator) - [Montana Mortgage Calculator](https://www.usmortgagecalc.com/montana-mortgage-calculator) - [Nebraska Mortgage Calculator](https://www.usmortgagecalc.com/nebraska-mortgage-calculator) - [Nevada Mortgage Calculator](https://www.usmortgagecalc.com/nevada-mortgage-calculator) - [New Hampshire Mortgage Calculator](https://www.usmortgagecalc.com/new-hampshire-mortgage-calculator) - [New Jersey Mortgage Calculator](https://www.usmortgagecalc.com/new-jersey-mortgage-calculator) - [New Mexico Mortgage Calculator](https://www.usmortgagecalc.com/new-mexico-mortgage-calculator) - [New York Mortgage Calculator](https://www.usmortgagecalc.com/new-york-mortgage-calculator) - [North Carolina Mortgage Calculator](https://www.usmortgagecalc.com/north-carolina-mortgage-calculator) - [North Dakota Mortgage Calculator](https://www.usmortgagecalc.com/north-dakota-mortgage-calculator) - [Ohio Mortgage Calculator](https://www.usmortgagecalc.com/ohio-mortgage-calculator) - [Oklahoma Mortgage Calculator](https://www.usmortgagecalc.com/oklahoma-mortgage-calculator) - [Oregon Mortgage Calculator](https://www.usmortgagecalc.com/oregon-mortgage-calculator) - [Pennsylvania Mortgage Calculator](https://www.usmortgagecalc.com/pennsylvania-mortgage-calculator) - [Rhode Island Mortgage Calculator](https://www.usmortgagecalc.com/rhode-island-mortgage-calculator) - [South Carolina Mortgage Calculator](https://www.usmortgagecalc.com/south-carolina-mortgage-calculator) - [South Dakota Mortgage Calculator](https://www.usmortgagecalc.com/south-dakota-mortgage-calculator) - [Tennessee Mortgage Calculator](https://www.usmortgagecalc.com/tennessee-mortgage-calculator) - [Texas Mortgage Calculator](https://www.usmortgagecalc.com/texas-mortgage-calculator) - [Utah Mortgage Calculator](https://www.usmortgagecalc.com/utah-mortgage-calculator) - [Vermont Mortgage Calculator](https://www.usmortgagecalc.com/vermont-mortgage-calculator) - [Virginia Mortgage Calculator](https://www.usmortgagecalc.com/virginia-mortgage-calculator) - [Washington Mortgage Calculator](https://www.usmortgagecalc.com/washington-mortgage-calculator) - [West Virginia Mortgage Calculator](https://www.usmortgagecalc.com/west-virginia-mortgage-calculator) - [Wisconsin Mortgage Calculator](https://www.usmortgagecalc.com/wisconsin-mortgage-calculator) - [Wyoming Mortgage Calculator](https://www.usmortgagecalc.com/wyoming-mortgage-calculator) ## Reference - [About and editorial policy](https://www.usmortgagecalc.com/about) - [Contact](https://www.usmortgagecalc.com/contact) - [Terms of use](https://www.usmortgagecalc.com/terms) - [Privacy policy](https://www.usmortgagecalc.com/privacy) ## Optional - [Full site content as a single document](https://www.usmortgagecalc.com/llms-full.txt) - [Sitemap](https://www.usmortgagecalc.com/sitemap.xml)