Pick the state where you will register the car and type the price. The calculator works out the sales tax after any trade-in credit, plus title, registration, and state fees. The table below shows every state's rules side by side.
Type your own numbers and see the same car priced as cash, as a loan, and as a lease, with the taxes and state fees for Arizona. Nothing you type leaves this page.
| You pay | You own at the end | Real cost | |
|---|---|---|---|
| Lease | ... | Nothing; you hand it back | ... |
| Finance | ... | Equity of ... | ... |
| Cash | ... | A car worth about ... | ... |
An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are the average new-car APR for each credit tier (used-car APR for a used car) from Experian's State of the Automotive Finance Market, second quarter 2026, VantageScore 4.0. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.
In most states, sales tax on a car is owed where you register it, not where you buy it. A car a dealership ships out of its own state usually carries no tax in that state, and you pay your home state's tax when you register. If you pick the car up in another state, you may pay that state's tax at the dealership, and your home state may credit it. Each state's page explains its own rules.
The typical combined rate on a vehicle, whether a trade-in lowers the taxable price, and how a lease is taxed. Pick a state for its full page, with city rates.
| State | Tax on a vehicle | Trade-in cuts the tax | Lease tax |
|---|---|---|---|
| Alabama | About 4.75% | Yes | On each payment |
| Alaska | No state sales tax | No | No lease tax |
| Arizona | About 9.1% | Yes | On each payment |
| Arkansas | About 9% | Yes | On each payment |
| California | About 9.75% | No | On each payment |
| Colorado | About 7.4% | Yes | On each payment |
| Connecticut | 6.35% | Yes | On each payment |
| Delaware | 5.25% at titling | Yes | On the price, carried in the lease |
| District of Columbia | Varies by car | No | On the price, carried in the lease |
| Florida | About 7% | Yes | On each payment |
| Georgia | 7% | Yes | On all payments, at signing |
| Hawaii | About 4.5% | No | On each payment |
| Idaho | 6% | Yes | On each payment |
| Illinois | About 7.5% | Yes | On all payments, at signing |
| Indiana | 7% | Yes | On each payment |
| Iowa | 5% | Yes | On all payments, at signing |
| Kansas | About 9% | Yes | On each payment |
| Kentucky | 6% | Yes | On each payment |
| Louisiana | About 10% | Yes | On each payment |
| Maine | 5.5% | Yes | On all payments, at signing |
| Maryland | 6.5% | Yes | On the price, carried in the lease |
| Massachusetts | 6.25% | Yes | On each payment |
| Michigan | 6% | Up to $12,000 | On each payment |
| Minnesota | 6.875% | Yes | On all payments, at signing |
| Mississippi | 5% | Yes | On each payment |
| Missouri | About 8.225% | Yes | On each payment |
| Montana | No sales tax | No | No lease tax |
| Nebraska | About 7% | Yes | On each payment |
| Nevada | About 8.375% | Yes | On each payment |
| New Hampshire | No sales tax | No | No lease tax |
| New Jersey | 6.625% | Yes | On all payments, at signing |
| New Mexico | 4% | Yes | On the price, carried in the lease |
| New York | About 8% | Yes | On all payments, at signing |
| North Carolina | 3% | Yes | On each payment |
| North Dakota | 5% | Yes | On all payments, at signing |
| Ohio | About 7.25% | Yes | On all payments, at signing |
| Oklahoma | 4.5% | No | On the price, carried in the lease |
| Oregon | 0.5% | No | On the price, carried in the lease |
| Pennsylvania | About 6% | Yes | On each payment |
| Rhode Island | 7% | Yes | On each payment |
| South Carolina | 5%, up to $500 | Yes | On the price, carried in the lease |
| South Dakota | 4% | Yes | On each payment |
| Tennessee | About 9.5% | Yes | On each payment |
| Texas | 6.25% | Yes | On the price, carried in the lease |
| Utah | About 7.7% | Yes | On each payment |
| Vermont | 6% | Yes | On all payments, at signing |
| Virginia | 4.15% | No | On the price, carried in the lease |
| Washington | About 10.3% | Yes | On each payment |
| West Virginia | 6% | Yes | On each payment |
| Wisconsin | About 5.5% | Yes | On each payment |
| Wyoming | About 5% | Yes | On each payment |
Generally where you register it. When a dealership ships a car out of its own state, that state usually charges no tax and your home state collects it at registration. Picking up in another state can mean paying that state's tax first, which your home state may credit.
It depends on the state. Most tax the price before manufacturer rebates, so the rebate lowers what you pay but not the tax. A few take the rebate off before the tax is figured.
Alaska (though some towns add their own), Delaware (no sales tax, but a 5.25% vehicle document fee at titling), Montana, New Hampshire, and Oregon (no sales tax, but a 0.5% tax on a new car's price). Title and registration still apply.