States where homeowners are slammed with the highest property taxes

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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.

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Methodology

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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:

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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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: Deposit Photos.

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 

Image Credit: hstiver / istockphoto.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: istockphoto/Vito Palmisano.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: Sean Pavone / istockphoto.

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 

Image Credit: miroslav_1 / istockphoto.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: Deposit Photos.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: istockphoto/Mark Howard.

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 

Image Credit: DenisTangneyJr.

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 

Image Credit: istockphoto/Sean Pavone.

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 

Image Credit: istockphoto.

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 

Image Credit: aceshot / istockphoto.

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 

Image Credit: istockphoto/f11photo.

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 

Image Credit: Gabriele Maltinti / istockphoto.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: RoschetzkyIstockPhoto.

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 

Image Credit: istockphoto/Hsa_Htaw.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: typhoonski.

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 

Image Credit: istockphoto.

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 

Image Credit: DepositPhotos.com.

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 

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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 

Image Credit: aiisha5 / istockphoto.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

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 

Image Credit: DepositPhotos.com.

4. Hartford, Connecticut

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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 

Image Credit: DepositPhotos.com.

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 

Image Credit: istockphoto/GerardoBrucker.

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 

Image Credit: DepositPhotos.com.

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:

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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.

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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.

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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. 

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.

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originally appeared on 
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