Below is a comparison between three no-income tax states.Sources for insurance and property taxes: Insurance - ValuePenguin, State Property Tax Rates - Rocket Mortgage.To show the impact of taxes and insurance, I compared overhead costs on a $400,000 property in the three states.

There it really makes more sense as one would find that number relative for comparisons.

There is a mid term rental group local run by @Mel Volland that would be a great source of infoFor a residential loan they are going to use the sales comparison approach for value most likely so income is not a factor..    

I also compare all properties using the same values to get an apples to apples comparison.

That would give you an apples to apples comparison in your own backyard.

Use an online calculator to make comparisons.

@Tony Mbuthia-  1) the  pricing of a  loan  wont be  detemined  until you have a  purchase contract so the pricing you  obtain from any lender   before  having a  property  is something you should  be able to   do  some  comparison  shopping   2)   if  contacting  multiple  lenders  to  get   pricing to  compare  -  use the  same  scenario - call them  on the  same  day  and  ask  your  questions and  ask for  quotes  ...do this  so you can compare  apples to  apples   and  dont compare a  quote  from last week  from one lender  to another  lenders   quote from today   3)   be aware soem  lenders  will  provide  super low quotes  and  also wont  include all the   3rd party fees    ( title /  appraisal /  escrow  etc )  when providing   quotes   so that their quotes  look  to be  superior  4) let me know if you would like a  sacramento Loan  officer  referral 

So obviously it's market dependant, I have no clue about your local market, but that should give you a rough comparison to up here!

@Selena Williams, I think there are better deals to be had in the Bronx but, as with everything, this will come down to a property by property comparison. 

By comparison the conventional mortgages I have were quite simple.Not only that but in a competitive market (Omaha is pretty competitive right now) conventional mortgages are beating out FHA during the offer process.