Local Financial Calculators
Location-specific financial tools with local tax rates, regulations, and market data for accurate calculations in your area.
State-Specific Tools
California Mortgage Calculator
Calculate mortgage payments with California property taxes, HOA fees, and earthquake insurance.
Local Features:
- • CA property tax rates
- • Earthquake insurance
- • HOA considerations
- • SALT deduction limits
Texas Property Tax Calculator
Texas has no state income tax but high property taxes. Calculate your total tax burden.
Local Features:
- • No state income tax
- • High property taxes
- • Homestead exemptions
- • Local tax variations
Florida Cost of Living Calculator
Compare living costs in Miami, Orlando, Tampa, and Jacksonville with accurate data.
Local Features:
- • No state income tax
- • Hurricane insurance
- • Tourism tax effects
- • Retirement benefits
New York Rental vs Buy Calculator
NYC and NY state calculator considering high taxes, rent control, and market conditions.
Local Features:
- • High state/city taxes
- • Rent stabilization
- • Co-op vs condo
- • Property tax caps
Top 10 US Cities
City-Specific Mortgage Calculations
Click any city to calculate mortgages with local property tax rates and median home prices
Los Angeles, CA
Median: $925,000
0.72%
Property Tax
New York, NY
Median: $765,000
1.25%
Property Tax
Chicago, IL
Median: $315,000
2.27%
Property Tax
Houston, TX
Median: $289,000
3.05%
Property Tax
Phoenix, AZ
Median: $425,000
0.69%
Property Tax
Philadelphia, PA
Median: $187,000
1.58%
Property Tax
San Antonio, TX
Median: $245,000
3.15%
Property Tax
San Diego, CA
Median: $875,000
0.73%
Property Tax
Dallas, TX
Median: $350,000
2.98%
Property Tax
San Jose, CA
Median: $1,350,000
0.77%
Property Tax
State Tax Considerations
No State Income Tax States
- • Alaska - No state income or sales tax
- • Florida - Tourism and retirement friendly
- • Nevada - Gaming and entertainment economy
- • South Dakota - Low overall tax burden
- • Tennessee - Only taxes investment income
- • Texas - High property taxes offset
- • Washington - High sales tax instead
- • Wyoming - Energy revenue dependent
High Tax States to Consider
- • California - Up to 13.3% state income tax
- • New York - High state and local taxes
- • New Jersey - High property taxes
- • Connecticut - Wealth and income taxes
- • Illinois - Flat income tax plus high property
- • Maryland - Progressive income tax rates
- • Massachusetts - "Millionaire's tax"
- • Oregon - No sales tax but high income tax
💡 Tax Planning Tip
Consider total tax burden (income + property + sales + other local taxes) when comparing locations. A state with no income tax might have very high property taxes that offset the savings.
Regional Cost Factors
Housing Costs
- • Property taxes vary 0.3% - 3.5%
- • HOA fees $100 - $800/month
- • Insurance costs by climate risk
- • Utility costs by region
Income Factors
- • State income tax 0% - 13.3%
- • Local income taxes
- • Salary differences by market
- • Employment opportunities
Lifestyle Costs
- • Sales tax 0% - 10%+
- • Transportation costs
- • Healthcare expenses
- • Entertainment and dining