Effective Property Tax Rates by State 2025 (based on new 2024 data)

Property taxes are a local issue, but the impact is anything but local. For many families, the annual tax bill affects whether keeping a home is realistic after a divorce, what an estate can afford to maintain during probate, and how quickly heirs may need to make decisions about selling, refinancing, or carrying costs.

To help readers put the numbers in context, we at The Florida Probate and Family Law Firm compiled a state-by-state snapshot of effective property tax rates using American Community Survey aggregates from 2024 that were just published and compared them to widely cited 2023 state rates.

When the home is the biggest asset in a divorce or an estate, property taxes are not a footnote. They can change what is affordable, what is fair, and what options are truly on the table.”

How the effective rate is calculated

For each state, we use this formula:

Effective property tax rate (percent) = (B25090 ÷ B25082) × 100

B25090 is the aggregate real estate taxes paid for owner-occupied housing (dollars).
B25082 is the aggregate housing value for owner-occupied housing (dollars).

Because this is a ratio of aggregates, it is best read as a statewide snapshot of the typical tax burden on owner-occupied homes, not a statutory or advertised millage rate.

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Effective Property Tax Rates By State

Based on 2024 Census American Community Survey data.
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Rank ↕	State ↕	Total Taxes ($B) ↕	Total Value ($B) ↕	Effective Rate (%) ↕	vs 2023 (pp) ↕

Full 2024 dataset with 2023 comparison

Rank (2024)	State	B25090 taxes ($B)	B25082 value ($B)	2024 rate	2023 rate	Change (pp)
1	Hawaii	0.981	318.1	0.308%	0.32%	-0.012
2	Alabama	1.537	413.7	0.372%	0.36%	+0.012
3	Arizona	4.321	1,014.4	0.426%	0.44%	-0.014
4	Idaho	1.222	282.2	0.433%	0.48%	-0.047
5	South Carolina	2.768	631.6	0.438%	0.47%	-0.032
6	Utah	2.347	519.5	0.452%	0.47%	-0.018
7	Tennessee	3.725	806.9	0.462%	0.49%	-0.028
8	West Virginia	0.584	120.9	0.483%	0.48%	+0.003
9	Nevada	2.031	403.2	0.504%	0.49%	+0.014
10	Delaware	0.656	127.9	0.513%	0.50%	+0.013
11	Colorado	5.751	1,107.5	0.519%	0.50%	+0.019
12	Arkansas	1.167	215.8	0.541%	0.53%	+0.011
13	Mississippi	1.027	189.7	0.541%	0.58%	-0.039
14	Louisiana	1.823	327.2	0.557%	0.55%	+0.007
15	Wyoming	0.505	86.8	0.582%	0.55%	+0.032
16	Montana	1.019	172.1	0.592%	0.60%	-0.008
17	New Mexico	1.218	199.8	0.610%	0.61%	-0.000
18	North Carolina	7.550	1,210.1	0.624%	0.62%	+0.004
19	California	52.873	7,634.8	0.693%	0.70%	-0.007
20	Kentucky	2.435	336.6	0.723%	0.73%	-0.007
21	Washington	10.671	1,447.7	0.737%	0.75%	-0.013
22	Virginia	8.761	1,162.5	0.754%	0.77%	-0.016
23	Indiana	4.242	560.8	0.756%	0.77%	-0.014
24	Florida	24.312	3,198.7	0.760%	0.74%	+0.020
25	Georgia	8.708	1,135.2	0.767%	0.77%	-0.003
26	Oklahoma	2.206	283.0	0.780%	0.77%	+0.010
27	Oregon	4.918	623.2	0.789%	0.78%	+0.009
28	Missouri	4.428	521.6	0.849%	0.88%	-0.031
29	Alaska	0.665	73.9	0.900%	0.91%	-0.010
30	Maryland	7.521	834.1	0.902%	0.90%	+0.002
31	Maine	1.669	184.7	0.903%	0.94%	-0.037
32	North Dakota	0.609	64.7	0.941%	0.94%	+0.001
33	Massachusetts	12.097	1,276.1	0.948%	0.97%	-0.022
34	Minnesota	6.502	658.6	0.987%	0.99%	-0.003
35	Rhode Island	1.520	152.3	0.997%	1.05%	-0.053
36	South Dakota	0.826	82.7	0.998%	0.99%	+0.008
37	Michigan	10.402	921.5	1.129%	1.15%	-0.021
38	Pennsylvania	14.303	1,257.5	1.137%	1.19%	-0.053
39	Wisconsin	6.958	585.9	1.188%	1.25%	-0.062
40	Kansas	2.864	238.4	1.201%	1.19%	+0.011
41	New York	32.203	2,624.6	1.227%	1.26%	-0.033
42	Texas	34.936	2,807.0	1.245%	1.36%	-0.115
43	Iowa	3.235	258.9	1.249%	1.23%	+0.019
44	Ohio	12.130	950.8	1.276%	1.31%	-0.034
45	New Hampshire	2.900	214.9	1.350%	1.41%	-0.060
46	Connecticut	7.275	536.9	1.355%	1.48%	-0.125
47	Nebraska	2.283	165.5	1.379%	1.43%	-0.051
48	Vermont	1.171	83.7	1.399%	1.42%	-0.021
49	New Jersey	22.119	1,320.2	1.675%	1.77%	-0.095
50	Illinois	21.262	1,185.8	1.793%	1.83%	-0.037

Notable shifts from 2023 to 2024

Overall direction

33 states decreased, 17 increased (using the 50-state comparison).
The simple 50-state average fell from 0.873% (2023) to 0.855% (2024), a drop of about 0.018 percentage points.
Several states were effectively flat within a very small band, including Georgia, Maryland, Minnesota, New Mexico, North Carolina, North Dakota, and West Virginia.

Largest decreases (percentage points)

Connecticut: 1.48% to 1.355% (-0.125 pp)
Texas: 1.36% to 1.245% (-0.115 pp)
New Jersey: 1.77% to 1.675% (-0.095 pp)
Wisconsin: 1.25% to 1.188% (-0.062 pp)
New Hampshire: 1.41% to 1.350% (-0.060 pp)

Largest increases (percentage points)

Wyoming: 0.55% to 0.582% (+0.032 pp)
Florida: 0.74% to 0.760% (+0.020 pp)
Iowa: 1.23% to 1.249% (+0.019 pp)
Colorado: 0.50% to 0.519% (+0.019 pp)
Nevada: 0.49% to 0.504% (+0.014 pp)

Noteworthy threshold moves

Rhode Island dipped just below 1.00% (1.05% to 0.997%).
Nevada crossed above 0.50% (0.49% to 0.504%).

Florida spotlight

Florida increased from 0.74% (2023) to 0.760% (2024), a change of +0.020 percentage points. In practical terms, even a small statewide move can matter when a household is already weighing mortgage payments, insurance, HOA costs, and maintenance.

If you are dealing with probate or divorce and a home is involved, property taxes are one of the recurring costs that should be accounted for early, especially when deciding whether to keep, sell, or refinance.

Disclaimer

This post is for general informational purposes only and does not constitute legal advice, tax advice, or financial advice. The 2024 rates are calculated from ACS aggregate estimates (B25090 and B25082) for owner-occupied housing. Actual property tax burdens vary widely within each state based on county and city rates, assessment practices, exemptions, and individual property characteristics. Small year-over-year changes can reflect rounding, sampling variability, and differences in how statewide summaries are constructed.