Mortgage Guides by State (2026)
Complete mortgage guides for 20 states with median home prices, property tax rates, denial rates, and down payment assistance programs.
Nationwide Comparison
| State | Median Price | Median Income | Denial Rate | DPA |
|---|---|---|---|---|
| Arizona | $423,136 | $77,315 | 8.74% | 2 programs |
| California | $774,927 | $95,521 | 8.94% | 6 programs |
| Colorado | $545,073 | $92,911 | 7.62% | 2 programs |
| Florida | $375,382 | $73,311 | 13.12% | 4 programs |
| Georgia | $332,066 | $74,632 | 11.74% | 3 programs |
| Illinois | $282,902 | $80,306 | 9.41% | 4 programs |
| Maryland | $429,159 | $98,678 | 9.03% | 2 programs |
| Massachusetts | $654,682 | $99,858 | 7.08% | 3 programs |
| Michigan | $257,499 | $69,183 | 12.93% | 3 programs |
| New Jersey | $564,630 | $99,781 | 8.51% | 3 programs |
| New York | $502,770 | $82,095 | 10.55% | 5 programs |
| North Carolina | $335,595 | $70,804 | 10.80% | 2 programs |
| Ohio | $240,317 | $67,769 | 8.68% | 3 programs |
| Pennsylvania | $281,493 | $73,824 | 8.65% | 4 programs |
| Tennessee | $332,443 | $67,631 | 11.18% | 2 programs |
| Texas | $301,264 | $75,780 | 14.50% | 5 programs |
| Virginia | $411,284 | $89,931 | 8.33% | 3 programs |
| Washington | $601,978 | $94,605 | 6.76% | 2 programs |
Median prices based on 2025 FHFA data. Income from 2024 Census ACS. Denial rates from 2025 HMDA data.
Browse by State
Each guide includes median home prices, property tax rates, down payment assistance (DPA) programs, and mortgage denial rates based on real 2025 data. Select your state to see specific figures and run mortgage calculations.
Arizona
Low property taxes offset higher home prices in Maricopa County.
California
Highest conforming loan limit in the US. Prop 13 caps annual tax increases at 2%.
Colorado
Low property taxes but rapid price appreciation in Front Range metro areas.
Florida
No state income tax, but homeowners insurance premiums are among the highest nationally.
Georgia
Homestead exemption reduces assessed value by up to $2,000 for primary residences.
Illinois
Highest property taxes in the Midwest. Cook County rates vary widely by township.
Maryland
Moderate taxes with strong DPA programs. Baltimore City rates differ from surrounding counties.
Massachusetts
High prices driven by limited inventory. Boston-area median exceeds $800,000.
Michigan
Homestead credit reduces taxes for primary residences. Detroit rates vary by neighborhood.
New Jersey
Highest property taxes in the nation. Homestead rebate program available for eligible residents.
New York
High taxes in NYC metro. STAR exemption provides tax relief for primary residences.
North Carolina
Below-average property taxes. Homestead exemption reduces assessed value by $25,000.
Ohio
Most affordable state in this dataset. Homestead exemption available for seniors and disabled.
Pennsylvania
Above-average property taxes. Homestead exclusion reduces assessed value by $18,000.
Tennessee
No state income tax and low property taxes. Nashville prices rising faster than state average.
Texas
No state income tax, but property taxes typically account for 25%+ of the monthly payment.
Virginia
Moderate taxes with strong job market. NoVA rates higher than rural Virginia.
Washington
Lowest denial rate in this dataset. No state income tax but high home prices in Puget Sound.