{"id":2433,"date":"2019-09-04T05:00:29","date_gmt":"2019-09-04T10:00:29","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-property-taxes-can-impact-your-mortgage-payment\/"},"modified":"2019-09-04T05:00:29","modified_gmt":"2019-09-04T10:00:29","slug":"how-property-taxes-can-impact-your-mortgage-payment","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-property-taxes-can-impact-your-mortgage-payment\/","title":{"rendered":"How Property Taxes Can Impact Your Mortgage Payment"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/09\/03160317\/20190904-Share-KCM-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Property Taxes Can Impact Your Mortgage Payment | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. Do you know how much you might pay for property taxes in your state or local area?<span id=\"more-40662\"><\/span><\/p>\n<p>When applying for a mortgage, you\u2019ll see one of two acronyms in your paperwork \u2013 <em>P&amp;I or PITI<\/em> \u2013 depending on how you\u2019re including your taxes in your mortgage payment.<\/p>\n<p><em>P&amp;I<\/em> stand for <em>Principal and Interest<\/em>, and both are parts of your monthly mortgage payment that go toward paying off the loan you borrow. <em>PITI<\/em> stands for <em>Principal, Interest, Taxes, and Insurance,<\/em> and they\u2019re all important factors to calculate when you want to determine exactly what the cost of your new home will be.<\/p>\n<p><a href=\"http:\/\/www.tax-rates.org\/taxtables\/property-tax-by-state\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>TaxRates.org<\/em><\/a> defines property taxes as,<\/p>\n<blockquote>\n<p><em>\u201cA municipal tax levied by counties, cities, or special tax districts on most types of real estate &#8211; including homes, businesses, and parcels of land. The amount of property tax owed depends on the appraised fair market value of the property, as determined by the property tax assessor.\u201d<\/em><\/p>\n<\/blockquote>\n<p>This organization also provides a map showing annual property taxes by state (including the District of Columbia), from lowest to highest, as a percentage of median home value.<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/09\/03160230\/20190904-MEM.jpeg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-40665\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/09\/03160230\/20190904-MEM.jpeg?resize=650%2C488&#038;ssl=1\" alt=\"How Property Taxes Can Impact Your Mortgage Payment | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>The top 5 states with the highest median property taxes are New Jersey, New Hampshire, Texas, Nebraska, and Wisconsin. The states with the lowest median property taxes are Louisiana, Hawaii, Alabama, and Delaware, followed by the District of Columbia.<\/p>\n<h3><strong> Bottom Line<\/strong><\/h3>\n<p>Depending on where you live, property taxes can have a big impact on your monthly payment. To make sure your estimated taxes will fall within your desired budget, let\u2019s get together today to determine how the neighborhood or area you choose can make a difference in your overall costs when buying a home.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. Do you know how much you might pay for property taxes in your state or local area? When applying for a mortgage, you\u2019ll see one of two acronyms in your paperwork \u2013 P&amp;I or PITI [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2434,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-2433","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Property Taxes Can Impact Your Mortgage Payment&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/how-property-taxes-can-impact-your-mortgage-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Property Taxes Can Impact Your Mortgage Payment&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. 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