Calzento
US

Sources

Every number on this site traces to a public, citable source. If it's not on this page, it shouldn't be in the calculator.

Federal data

  • Mortgage rate benchmarks — Federal Reserve H.15 weekly release, published Mondays. Current snapshot dated 2026-05-08. https://www.federalreserve.gov/releases/h15/
  • Property tax effective rates — Tax Foundation 2025 state-level effective rates, cross-referenced with US Census Bureau ACS 5-year median property tax / median home value. Last reconciled 2026-04-15.
  • PMI guidance — FNMA Form 4030; Homeowners Protection Act of 1998 (12 U.S.C. § 4901-4910) for the 78% LTV auto-removal threshold.

State income tax sources

Each state's revenue department. Last reconciled 2026-05-03.

StateDepartment of revenue
ALAlabamahttps://www.revenue.alabama.gov/
AKAlaskahttps://tax.alaska.gov/
AZArizonahttps://azdor.gov/
ARArkansashttps://www.dfa.arkansas.gov/
CACaliforniahttps://www.ftb.ca.gov/
COColoradohttps://tax.colorado.gov/
CTConnecticuthttps://portal.ct.gov/drs
DEDelawarehttps://revenue.delaware.gov/
DCDistrict of Columbiahttps://otr.cfo.dc.gov/
FLFloridahttps://floridarevenue.com/
GAGeorgiahttps://dor.georgia.gov/
HIHawaiihttps://tax.hawaii.gov/
IDIdahohttps://tax.idaho.gov/
ILIllinoishttps://tax.illinois.gov/
INIndianahttps://www.in.gov/dor/
IAIowahttps://tax.iowa.gov/
KSKansashttps://www.ksrevenue.gov/
KYKentuckyhttps://revenue.ky.gov/
LALouisianahttps://revenue.louisiana.gov/
MEMainehttps://www.maine.gov/revenue/
MDMarylandhttps://www.marylandtaxes.gov/
MAMassachusettshttps://www.mass.gov/orgs/massachusetts-department-of-revenue
MIMichiganhttps://www.michigan.gov/taxes
MNMinnesotahttps://www.revenue.state.mn.us/
MSMississippihttps://www.dor.ms.gov/
MOMissourihttps://dor.mo.gov/
MTMontanahttps://mtrevenue.gov/
NENebraskahttps://revenue.nebraska.gov/
NVNevadahttps://tax.nv.gov/
NHNew Hampshirehttps://www.revenue.nh.gov/
NJNew Jerseyhttps://www.nj.gov/treasury/taxation/
NMNew Mexicohttps://www.tax.newmexico.gov/
NYNew Yorkhttps://www.tax.ny.gov/
NCNorth Carolinahttps://www.ncdor.gov/
NDNorth Dakotahttps://www.tax.nd.gov/
OHOhiohttps://tax.ohio.gov/
OKOklahomahttps://oklahoma.gov/tax.html
OROregonhttps://www.oregon.gov/dor/
PAPennsylvaniahttps://www.revenue.pa.gov/
RIRhode Islandhttps://tax.ri.gov/
SCSouth Carolinahttps://dor.sc.gov/
SDSouth Dakotahttps://dor.sd.gov/
TNTennesseehttps://www.tn.gov/revenue.html
TXTexashttps://comptroller.texas.gov/
UTUtahhttps://tax.utah.gov/
VTVermonthttps://tax.vermont.gov/
VAVirginiahttps://www.tax.virginia.gov/
WAWashingtonhttps://dor.wa.gov/
WVWest Virginiahttps://tax.wv.gov/
WIWisconsinhttps://www.revenue.wi.gov/
WYWyominghttps://revenue.wyo.gov/