Property Tax Savings Calculator
Use this free calculator to check if your property is overassessed and estimate how much you could save by filing an appeal. Enter your assessed value and estimated market value — results are instant and free.
How the Calculator Works
Every state sets an assessment ratio — the percentage of your home’s market value used to calculate your taxable (assessed) value. In states like Texas and California, the ratio is 100%, so your assessed value equals the county’s opinion of your home’s market value. But in many states the ratio is much lower: Tennessee uses 25%, Georgia uses 40%, and South Carolina uses just 4%.
This creates a math problem that trips up most homeowners. If your Tennessee assessment notice shows an assessed value of $100,000, that does not mean the county thinks your home is worth $100,000. Because Tennessee assesses at 25%, the implied market value is $100,000 ÷ 0.25 = $400,000. To know if you’re overassessed, you need to compare that $400,000 figure to what your home would actually sell for.
This calculator automates that conversion. You enter your assessed value, your estimate of what your home is worth, and the calculator does the ratio math, compares the numbers, and tells you whether you’re likely overassessed and how much you could save.
For a deeper explanation, see our assessment ratio by state guide with worked examples for every state.
What to Do If You’re Overassessed
Confirm with comparable sales
The calculator uses your estimate of market value. To build a strong appeal, you need actual comparable sales — recent sales of similar homes in your area. Find 3–5 comps on Zillow, Redfin, or your county records.
Check your deadline
Every state has a strict appeal deadline. Missing it means waiting a full year. Find yours in our deadline guide or your state’s appeal page.
File your appeal
Prepare your evidence packet with comparable sales, photos of condition issues, and a cover letter. Use our appeal checklist to make sure you don’t miss any steps, or let AppealDesk build your packet for $49.
Assessment Ratio Quick Reference: All 50 States
The table below shows every state’s assessment ratio and what a $300,000 home would be assessed at. Use this to quickly understand how your state converts market value to assessed value.
| State | Assessment Ratio | $300K Home Assessed At |
|---|---|---|
| Alabama | 10% | $30,000 |
| Alaska | 100% | $300,000 |
| Arizona | 10% | $30,000 |
| Arkansas | 20% | $60,000 |
| California | 100% | $300,000 |
| Colorado | 6.7% | $20,100 |
| Connecticut | 70% | $210,000 |
| Delaware | 100% | $300,000 |
| District of Columbia | 100% | $300,000 |
| Florida | 100% | $300,000 |
| Georgia | 40% | $120,000 |
| Hawaii | 100% | $300,000 |
| Idaho | 100% | $300,000 |
| Illinois | 33.33% | $99,990 |
| Indiana | 100% | $300,000 |
| Iowa | 100% | $300,000 |
| Kansas | 11.5% | $34,500 |
| Kentucky | 100% | $300,000 |
| Louisiana | 10% | $30,000 |
| Maine | 100% | $300,000 |
| Maryland | 100% | $300,000 |
| Massachusetts | 100% | $300,000 |
| Michigan | 50% | $150,000 |
| Minnesota | 100% | $300,000 |
| Mississippi | 10% | $30,000 |
| Missouri | 19% | $57,000 |
| Montana | 100% | $300,000 |
| Nebraska | 100% | $300,000 |
| Nevada | 35% | $105,000 |
| New Hampshire | 100% | $300,000 |
| New Jersey | 100% | $300,000 |
| New Mexico | 33.33% | $99,990 |
| New York | 100% | $300,000 |
| North Carolina | 100% | $300,000 |
| North Dakota | 50% | $150,000 |
| Ohio | 35% | $105,000 |
| Oklahoma | 11% | $33,000 |
| Oregon | 100% | $300,000 |
| Pennsylvania | 100% | $300,000 |
| Rhode Island | 100% | $300,000 |
| South Carolina | 4% | $12,000 |
| South Dakota | 85% | $255,000 |
| Tennessee | 25% | $75,000 |
| Texas | 100% | $300,000 |
| Utah | 55% | $165,000 |
| Vermont | 100% | $300,000 |
| Virginia | 100% | $300,000 |
| Washington | 100% | $300,000 |
| West Virginia | 60% | $180,000 |
| Wisconsin | 100% | $300,000 |
| Wyoming | 9.5% | $28,500 |