The true cost to carry a home
TrueCarry provides county-level budgeting estimates for property tax, homeowners insurance, escrow/PITI, and affordability. It does not calculate a parcel-specific bill or carrier quote; every estimate shows its source, method, confidence, and as-of date.
Worked example: a $300,000 home at a 1.2% effective rate ≈ $3,600/yr in property tax.
Start with the highest-signal pages
Use the state and county hubs first. They connect each estimate to the relevant county page, insurance budget, PITI assumptions, methodology, and source notes instead of leaving the data as a flat sitemap.
- Compare property tax by state for the current launch wave.
- Browse homeowners insurance budgets by county using NAIC and FEMA context.
- Compare monthly home carrying costs by county across mortgage, tax, and insurance.
- Use county rankings to find high-tax, low-tax, high-value, and high-insurance markets.
- Compare selected county carrying costs side by side.
- Review methodology, data sources, confidence, and limitations.
Priority county property-tax estimates
These county pages are linked directly from the home page because they represent large launch-wave markets or high-value planning queries.
- San Mateo County, California 0.61% effective rate; $9,519/yr median tax paid
- Marin County, California 0.66% effective rate; $10,001/yr median tax paid
- Santa Clara County, California 0.67% effective rate; $10,001/yr median tax paid
- San Francisco County, California 0.71% effective rate; $9,862/yr median tax paid
- New York County, New York 0.92% effective rate; $10,001/yr median tax paid
- Alameda County, California 0.78% effective rate; $8,474/yr median tax paid
- Falls Church city, Virginia 0.95% effective rate; $10,001/yr median tax paid
- Santa Cruz County, California 0.64% effective rate; $6,538/yr median tax paid
- Orange County, California 0.66% effective rate; $6,330/yr median tax paid
- Kings County, New York 0.71% effective rate; $6,382/yr median tax paid
- Arlington County, Virginia 0.91% effective rate; $8,153/yr median tax paid
- Napa County, California 0.69% effective rate; $5,995/yr median tax paid
Priority homeowners-insurance budgets
Insurance pages combine a public NAIC state benchmark with county home values and FEMA risk context. They are planning ranges, not carrier quotes.
- Collier County, Florida $7,297/yr modeled budget; FEMA risk 98.92
- Monroe County, Florida $7,136/yr modeled budget; FEMA risk 91.6
- Collin County, Texas $6,667/yr modeled budget; FEMA risk 98.85
- Travis County, Texas $6,625/yr modeled budget; FEMA risk 97.74
- Fort Bend County, Texas $6,614/yr modeled budget; FEMA risk 97.46
- Denton County, Texas $6,593/yr modeled budget; FEMA risk 96.91
- Montgomery County, Texas $6,548/yr modeled budget; FEMA risk 95.74
- Comal County, Texas $6,431/yr modeled budget; FEMA risk 92.68
- Tarrant County, Texas $6,391/yr modeled budget; FEMA risk 99.14
- Hays County, Texas $6,349/yr modeled budget; FEMA risk 90.55
- Williamson County, Texas $6,332/yr modeled budget; FEMA risk 90.11
- Miami-Dade County, Florida $6,273/yr modeled budget; FEMA risk 99.62
Browse by state
| State | Avg effective rate | Typical bill ($300k home) | Counties |
|---|---|---|---|
| Arizona | 0.55% | $1,650/yr | 15 |
| California | 0.7% | $2,100/yr | 58 |
| Florida | 0.7% | $2,100/yr | 67 |
| Georgia | 0.87% | $2,610/yr | 158 |
| Illinois | 1.8% | $5,400/yr | 102 |
| Michigan | 1.12% | $3,360/yr | 83 |
| New Jersey | 2.08% | $6,240/yr | 21 |
| New York | 1.96% | $5,880/yr | 62 |
| North Carolina | 0.67% | $2,010/yr | 100 |
| Ohio | 1.11% | $3,330/yr | 88 |
| Pennsylvania | 1.26% | $3,780/yr | 67 |
| Texas | 1.21% | $3,630/yr | 250 |
| Virginia | 0.65% | $1,950/yr | 133 |
| Washington | 0.73% | $2,190/yr | 39 |
Sources: U.S. Census Bureau, ACS. Data as of 2024-12-31. Methodology.