各州购房成本
适合在各州之间比较房产税、转让税和房价的买家。
| 州 | 有效房产税 | 典型房价 | 州转让税 |
|---|---|---|---|
| Alabama | 0.38% | $238,614 | 0.1% |
| Alaska | 1.11% | $397,932 | 0.0% |
| Arizona | 0.48% | $416,733 | 0.0% |
| Arkansas | 0.55% | $224,158 | 0.33% |
| California | 0.7% | $761,538 | 估算：总计约 0.11% |
| Colorado | 0.48% | $529,013 | 0.01% |
| Connecticut | 1.81% | $447,319 | 按价格累进 |
| Delaware | 0.5% | $405,061 | 估算：总计约 4.00% |
| District of Columbia | 0.58% | $567,271 | 估算：总计约 2.90% |
| Florida | 0.76% | $375,361 | 估算：总计约 0.70% |
| Georgia | 0.77% | $329,115 | 0.1% |
| Hawaii | 0.27% | $832,932 | 按价格累进 |
| Idaho | 0.49% | $476,754 | 0% |
| Illinois | 2.01% | $295,943 | 0.1% |
| Indiana | 0.74% | $257,165 | 0% |
| Iowa | 1.39% | $236,623 | 估算：总计约 0.16% |
| Kansas | 1.29% | $246,055 | 0% |
| Kentucky | 0.75% | $230,909 | 0.1% |
| Louisiana | 0.55% | $213,867 | 0.0% |
| Maine | 1.02% | $412,002 | 0.44% |
| Maryland | 0.97% | $424,890 | 0.5% |
| Massachusetts | 1.07% | $655,219 | 0.456% |
| Michigan | 1.25% | $263,760 | 0.86% |
| Minnesota | 1.02% | $348,778 | 0.33% |
| Mississippi | 0.72% | $194,531 | 0% |
| Missouri | 0.85% | $265,387 | 0% |
| Montana | 0.72% | $467,275 | 0% |
| Nebraska | 1.49% | $278,299 | 0.232% |
| Nevada | 0.47% | $440,739 | 0.51% |
| New Hampshire | 1.66% | $510,937 | 估算：总计约 1.50% |
| New Jersey | 2.11% | $575,123 | 按价格累进；超过 $1M 另征豪宅税（mansion tax） |
| New Mexico | 0.7% | $315,812 | 0.0% |
| New York | 1.55% | $524,942 | 估算：总计约 0.40% |
| North Carolina | 0.66% | $332,159 | 0.2% |
| North Dakota | 0.99% | $290,657 | 0.0% |
| Ohio | 1.31% | $245,982 | 0.1% |
| Oklahoma | 0.8% | $220,801 | 0.15% |
| Oregon | 0.81% | $492,753 | 暂无 |
| Pennsylvania | 1.3% | $287,078 | 1.0% |
| Rhode Island | 1.21% | $508,507 | 0.75% |
| South Carolina | 0.48% | $304,319 | 0.37% |
| South Dakota | 1.06% | $317,874 | 0.1% |
| Tennessee | 0.5% | $330,844 | 0.37% |
| Texas | 1.49% | $296,424 | 0% |
| Utah | 0.52% | $532,920 | 0.0% |
| Vermont | 1.59% | $391,900 | 估算：总计约 0.97% |
| Virginia | 0.73% | $412,252 | 估算：总计约 0.43% |
| Washington | 0.81% | $587,533 | 估算：总计约 1.12% |
| West Virginia | 0.53% | $176,576 | 估算：总计约 0.34% |
| Wisconsin | 1.42% | $337,196 | 0.3% |
| Wyoming | 0.57% | $369,044 | 0.0% |
如何阅读此表
实际房产税率是根据人口普查调查数据，将房产税中位数除以房屋价值中位数得出的。它反映了业主在当地估值规则和减免之后实际缴纳的税额，因此比公布的税率更适合做预算。将它乘以房价，即可粗略估算每年的税单。
典型房屋价值是该州的 Zillow 房屋价值指数：一套典型中档房屋的价值，而不是平均成交价。州房产转让税在过户时于交割时一次性收取。由谁支付（买方、卖方或双方）取决于所在州和您的合同，有些城市和县还会另外加征自己的税。
这对您的首付意味着什么
房产税会通过托管账户计入您的月供，因此税率越高，同样收入下能负担的房价就越低。转让税和其他交割费用会增加您在交割时需要准备的现金，而且是在首付之外。打开某个州即可查看完整的交割费用估算、转让税规则和首次购房者计划。
来源：U.S. Census Bureau ACS 2020–2024 5 年期数据（B25103、B25077）；Zillow Home Value Index；TallyClose 成交费用数据集（CC BY 4.0），引用了各州法规；NCSHA HFA 名录。最近更新：2026-11-01。
更新于 。官方来源：U.S. Census Bureau ACS、Zillow Research ZHVI。
免费每周邮件（英文）
每周的房贷利率、房价和储蓄建议。
一封简短的邮件，包含本周利率变化、本地房价趋势和增加首付的计划。可随时退订。邮件以英文发送。