These States Have the Highest Property Taxes for Homeowners

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How much you end up paying in property taxes can vary significantly depending on a variety of factors — from how much your home is worth to where you live.

To illustrate just how much variance there is in the amount of taxes people pay, LendingTree looked at the median amount of real estate taxes paid in each of the nation’s 50 largest metropolitan areas. In doing so, LendingTree found that homeowners in some metros can expect to pay thousands of dollars more per year than homeowners in other parts of the country.

Methodology

LendingTree used data from the U.S. Census Bureau’s 2019 American Community Survey with five-year estimates to determine the median real estate tax amounts for homes in the nation’s 50 largest metropolitan statistical areas, or “MSAs.”

The Census uses the term “real estate tax” to define tax that is charged on the “entire property, (land and buildings) payable to all taxing jurisdictions, including special assessments, school taxes, county taxes and so forth.” This term is often referred to as “property tax,” and both terms are used interchangeably throughout LendingTree’s study.

Here’s the median property tax in every state:

50. Las vegas

  • Median real estate tax paid – all homes $696 
  • Median real estate tax paid – homes with a mortgage $928 
  • Median real estate tax – homes without a mortgage $573 

49. Birmingham, Alabama

  • Median real estate tax paid – all homes $892 
  • Median real estate tax paid – homes with a mortgage $958 
  • Median real estate tax – homes without a mortgage $727 

48. New orleans

  • Median real estate tax paid – all homes $1,313 
  • Median real estate tax paid – homes with a mortgage $1,473 
  • Median real estate tax – homes without a mortgage $1,053 

47. Indianapolis

  • Median real estate tax paid – all homes $1,511 
  • Median real estate tax paid – homes with a mortgage $1,596 
  • Median real estate tax – homes without a mortgage $1,331 

46. Louisville, Kentucky

  • Median real estate tax paid – all homes $1,520 
  • Median real estate tax paid – homes with a mortgage $1,609 
  • Median real estate tax – homes without a mortgage $1,376 

45. Phoenix

  • Median real estate tax paid – all homes $1,546 
  • Median real estate tax paid – homes with a mortgage $1,605 
  • Median real estate tax – homes without a mortgage $1,412 

44. Nashville

  • Median real estate tax paid – all homes $1,581 
  • Median real estate tax paid – homes with a mortgage $1,615 
  • Median real estate tax – homes without a mortgage $1,501

43. Memphis, Tennessee

  • Median real estate tax paid – all homes $1,623 
  • Median real estate tax paid – homes with a mortgage $1,746 
  • Median real estate tax – homes without a mortgage $1,384 

42. Oklahoma city, Oklahoma

  • Median real estate tax paid – all homes $1,645 
  • Median real estate tax paid – homes with a mortgage $1,806 
  • Median real estate tax – homes without a mortgage $1,338 

41. Charlotte, North Carolina

  • Median real estate tax paid – all homes $1,722 
  • Median real estate tax paid – homes with a mortgage $1,847 
  • Median real estate tax – homes without a mortgage $1,383 

40. Tampa, Florida

  • Median real estate tax paid – all homes $1,724 
  • Median real estate tax paid – homes with a mortgage $1,986 
  • Median real estate tax – homes without a mortgage $1,344 

39. Jacksonville, Florida

  • Median real estate tax paid – all homes $1,820 
  • Median real estate tax paid – homes with a mortgage $1,936 
  • Median real estate tax – homes without a mortgage $1,527

38. Richmond, Virginia

  • Median real estate tax paid – all homes $1,923 
  • Median real estate tax paid – homes with a mortgage $1,932 
  • Median real estate tax – homes without a mortgage $1,901 

37. Orlando, Florida

  • Median real estate tax paid – all homes $1,970 
  • Median real estate tax paid – homes with a mortgage $2,133 
  • Median real estate tax – homes without a mortgage $1,653 

36. Atlanta

  • Median real estate tax paid – all homes $1,981 
  • Median real estate tax paid – homes with a mortgage $2,184 
  • Median real estate tax – homes without a mortgage $1,459 

35. Salt lake city

  • Median real estate tax paid – all homes $1,987 
  • Median real estate tax paid – homes with a mortgage $1,967 
  • Median real estate tax – homes without a mortgage $2,076

34. Denver

  • Median real estate tax paid – all homes $2,126 
  • Median real estate tax paid – homes with a mortgage $2,175 
  • Median real estate tax – homes without a mortgage $1,978

33. Raleigh, North Carolina

  • Median real estate tax paid – all homes $2,145 
  • Median real estate tax paid – homes with a mortgage $2,207 
  • Median real estate tax – homes without a mortgage $1,949 

32. Virginia beach, Virginia

  • Median real estate tax paid – all homes $2,260 
  • Median real estate tax paid – homes with a mortgage $2,282 
  • Median real estate tax – homes without a mortgage $2,198 

31. Kansas city, Missouri

  • Median real estate tax paid – all homes $2,371 
  • Median real estate tax paid – homes with a mortgage $2,485 
  • Median real estate tax – homes without a mortgage $2,129 

30. St. Louis, Missouri

  • Median real estate tax paid – all homes $2,390 
  • Median real estate tax paid – homes with a mortgage $2,502 
  • Median real estate tax – homes without a mortgage $2,163 

29. Cincinnati

  • Median real estate tax paid – all homes $2,431 
  • Median real estate tax paid – homes with a mortgage $2,568 
  • Median real estate tax – homes without a mortgage $2,106

28. Pittsburgh

  • Median real estate tax paid – all homes $2,536 
  • Median real estate tax paid – homes with a mortgage $2,799 
  • Median real estate tax – homes without a mortgage $2,171 

27. Miami, Florida

  • Median real estate tax paid – all homes $2,768 
  • Median real estate tax paid – homes with a mortgage $2,973 
  • Median real estate tax – homes without a mortgage $2,427 

26. Detroit

  • Median real estate tax paid – all homes $2,811 
  • Median real estate tax paid – homes with a mortgage $3,028 
  • Median real estate tax – homes without a mortgage $2,448 

25. Riverside, California

  • Median real estate tax paid – all homes $2,964 
  • Median real estate tax paid – homes with a mortgage $3,277 
  • Median real estate tax – homes without a mortgage $2,143 

24. Cleveland

  • Median real estate tax paid – all homes $3,009 
  • Median real estate tax paid – homes with a mortgage $3,196 
  • Median real estate tax – homes without a mortgage $2,735 

23. Minneapolis

  • Median real estate tax paid – all homes $3,034 
  • Median real estate tax paid – homes with a mortgage $3,078 
  • Median real estate tax – homes without a mortgage $2,941 

22. Columbus, Ohio

  • Median real estate tax paid – all homes $3,149 
  • Median real estate tax paid – homes with a mortgage $3,348 
  • Median real estate tax – homes without a mortgage $2,653 

21. San Antonio

  • Median real estate tax paid – all homes $3,163 
  • Median real estate tax paid – homes with a mortgage $3,761 
  • Median real estate tax – homes without a mortgage $2,033 

20. Sacramento, California

  • Median real estate tax paid – all homes $3,256 
  • Median real estate tax paid – homes with a mortgage $3,532 
  • Median real estate tax – homes without a mortgage $2,484 

19. Baltimore

  • Median real estate tax paid – all homes $3,303 
  • Median real estate tax paid – homes with a mortgage $3,382 
  • Median real estate tax – homes without a mortgage $3,095 

18. Portland, Oregon

  • Median real estate tax paid – all homes $3,710 
  • Median real estate tax paid – homes with a mortgage $3,723 
  • Median real estate tax – homes without a mortgage $3,671 

17. Houston

  • Median real estate tax paid – all homes $3,774 
  • Median real estate tax paid – homes with a mortgage $4,378 
  • Median real estate tax – homes without a mortgage $2,762

16. Buffalo, New York

  • Median real estate tax paid – all homes $3,823 
  • Median real estate tax paid – homes with a mortgage $4,078 
  • Median real estate tax – homes without a mortgage $3,380 

15. Milwaukee

  • Median real estate tax paid – all homes $3,933 
  • Median real estate tax paid – homes with a mortgage $3,977 
  • Median real estate tax – homes without a mortgage $3,839 

14. Dallas

  • Median real estate tax paid – all homes $4,004 
  • Median real estate tax paid – homes with a mortgage $4,560 
  • Median real estate tax – homes without a mortgage $2,966 

13. Providence, Rhode Island

  • Median real estate tax paid – all homes $4,067 
  • Median real estate tax paid – homes with a mortgage $4,133 
  • Median real estate tax – homes without a mortgage $3,933 

12. San Diego

  • Median real estate tax paid – all homes $4,111 
  • Median real estate tax paid – homes with a mortgage $4,571 
  • Median real estate tax – homes without a mortgage $2,811 

11. Washington, d.C.

  • Median real estate tax paid – all homes $4,252 
  • Median real estate tax paid – homes with a mortgage $4,277 
  • Median real estate tax – homes without a mortgage $4,156 

10. Seattle

  • Median real estate tax paid – all homes $4,293 
  • Median real estate tax paid – homes with a mortgage $4,278 
  • Median real estate tax – homes without a mortgage $4,338

9. Los Angeles

  • Median real estate tax paid – all homes $4,317 
  • Median real estate tax paid – homes with a mortgage $4,783 
  • Median real estate tax – homes without a mortgage $3,044 

8. Philadelphia

  • Median real estate tax paid – all homes $4,371 
  • Median real estate tax paid – homes with a mortgage $4,598 
  • Median real estate tax – homes without a mortgage $3,848 

7. Austin, Texas

  • Median real estate tax paid – all homes $5,344 
  • Median real estate tax paid – homes with a mortgage $5,736 
  • Median real estate tax – homes without a mortgage $4,393 

6. Chicago

  • Median real estate tax paid – all homes $5,375 
  • Median real estate tax paid – homes with a mortgage $5,631 
  • Median real estate tax – homes without a mortgage $4,817 

5. Boston

  • Median real estate tax paid – all homes $5,572 
  • Median real estate tax paid – homes with a mortgage $5,581 
  • Median real estate tax – homes without a mortgage $5,548 

4. Hartford, Connecticut

  • Median real estate tax paid – all homes $5,639
  • Median real estate tax paid – homes with a mortgage $5,707
  • Median real estate tax – homes without a mortgage $5,495

3. San Francisco

  • Median real estate tax paid – all homes $6,181 
  • Median real estate tax paid – homes with a mortgage $6,895 
  • Median real estate tax – homes without a mortgage $4,120 

2. San Jose, California

  • Median real estate tax paid – all homes $7,051 
  • Median real estate tax paid – homes with a mortgage $7,948 
  • Median real estate tax – homes without a mortgage $4,594 

1. New York city

  • Median real estate tax paid – all homes $8,400 
  • Median real estate tax paid – homes with a mortgage $8,627 
  • Median real estate tax – homes without a mortgage $7,951 

Tax Tips for Homeowners

Though there are tax breaks for expenses including real estate taxes and the amount of money you pay in mortgage interest, you’ll need to itemize your taxes to take advantage of them.

While itemization can save some people money, it can also be more of a hassle than taking the standard deduction. Furthermore, many people will likely save the same, if not more, by just taking the standard deduction.

Keep the following tips in mind when filing your tax return:

1. Itemization

To make itemizing a tax return worth it, a person’s deductible expenses must be higher than their standard deduction. For the 2020 tax year, the standard deduction amount is $12,400 for single taxpayers, $24,800 for married taxpayers filing jointly and $18,650 for head of household taxpayers.

2. Deductible limits

There are limits to how much people can deduct for home-related expenses, even if they itemize their tax returns. The total amount that can be deducted for all state and local taxes, which includes real estate taxes, is $10,000 for single taxpayers, or $5,000 for married people filing separately.

3. Deductible alternatives

While higher refunds issued under the current tax code can help people who are struggling to pay property taxes or mortgage interest costs, there are often better ways to manage these expenses. 

Ultimately, people who may be chronically overburdened by high real estate taxes or mortgage interest fees are better off looking at alternative ways of easing this burden, as opposed to solely relying on their federal tax refund. 

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For example, moving to a less-expensive area like Birmingham, Alabama, can help alleviate costs associated with owning a home. Another option is securing a mortgage refinance to help lower overall mortgage costs.

This article originally appeared on LendingTree.com and was syndicated by MediaFeed.org.

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