Average mortgage payment by state
The typical US homeowner with a mortgage pays $2,035 a month for housing — mortgage, property tax, insurance, utilities and fees (US Census Bureau, ACS 2024). Owners who have paid off their home pay $664.
Download CSV| # | State | Owners with a mortgage (all housing costs) | Owners without a mortgage | Buying the median home today (mortgage + tax + insurance) |
|---|---|---|---|---|
| 1 | District of Columbia | $3,181 | $958 | $4,252 on $735,000 |
| 2 | California | $3,001 | $882 | $4,443 on $760,000 |
| 3 | Hawaii | $2,937 | $760 | $4,771 on $875,000 |
| 4 | New Jersey | $2,797 | $1,236 | $3,433 on $495,000 |
| 5 | Massachusetts | $2,755 | $1,069 | $3,713 on $605,000 |
| 6 | New York | $2,544 | $980 | $2,969 on $450,000 |
| 7 | Washington | $2,519 | $805 | $3,579 on $600,000 |
| 8 | Colorado | $2,466 | $722 | $3,292 on $575,000 |
| 9 | Connecticut | $2,454 | $1,060 | $2,694 on $395,000 |
| 10 | New Hampshire | $2,399 | $1,002 | $3,036 on $460,000 |
| 11 | Maryland | $2,389 | $790 | $2,694 on $435,000 |
| 12 | Rhode Island | $2,262 | $926 | $2,856 on $455,000 |
| 13 | Alaska | $2,253 | $698 | $2,377 on $375,000 |
| 14 | Oregon | $2,234 | $713 | $3,003 on $500,000 |
| 15 | Texas | $2,211 | $703 | $2,087 on $315,000 |
| 16 | Florida | $2,168 | $766 | $2,394 on $395,000 |
| 17 | Virginia | $2,149 | $621 | $2,438 on $405,000 |
| 18 | Utah | $2,143 | $598 | $3,128 on $545,000 |
| 19 | Nevada | $2,008 | $634 | $2,629 on $455,000 |
| 20 | Illinois | $1,994 | $807 | $2,014 on $280,000 |
| 21 | Minnesota | $1,985 | $717 | $2,188 on $345,000 |
| 22 | Georgia | $1,909 | $575 | $2,107 on $345,000 |
| 23 | Arizona | $1,893 | $560 | $2,451 on $425,000 |
| 24 | Vermont | $1,893 | $827 | $2,368 on $355,000 |
| 25 | Montana | $1,878 | $589 | $2,543 on $425,000 |
| 26 | Delaware | $1,821 | $596 | $2,166 on $370,000 |
| 27 | Wyoming | $1,815 | $575 | $2,031 on $340,000 |
| 28 | North Dakota | $1,814 | $576 | $1,702 on $265,000 |
| 29 | Maine | $1,796 | $657 | $2,127 on $340,000 |
| 30 | Pennsylvania | $1,775 | $639 | $1,837 on $280,000 |
| 31 | Idaho | $1,769 | $500 | $2,560 on $445,000 |
| 32 | Nebraska | $1,764 | $700 | $1,804 on $265,000 |
| 33 | Kansas | $1,749 | $656 | $1,614 on $240,000 |
| 34 | North Carolina | $1,747 | $524 | $2,014 on $335,000 |
| 35 | South Dakota | $1,739 | $628 | $1,860 on $290,000 |
| 36 | Wisconsin | $1,701 | $644 | $1,949 on $295,000 |
| 37 | Louisiana | $1,650 | $471 | $1,387 on $225,000 |
| 38 | Tennessee | $1,637 | $468 | $1,970 on $335,000 |
| 39 | New Mexico | $1,628 | $450 | $1,715 on $280,000 |
| 40 | South Carolina | $1,627 | $476 | $1,779 on $300,000 |
| 41 | Oklahoma | $1,606 | $535 | $1,400 on $220,000 |
| 42 | Missouri | $1,589 | $564 | $1,607 on $255,000 |
| 43 | Michigan | $1,573 | $598 | $1,690 on $255,000 |
| 44 | Ohio | $1,563 | $610 | $1,610 on $240,000 |
| 45 | Iowa | $1,538 | $615 | $1,530 on $225,000 |
| 46 | Alabama | $1,500 | $469 | $1,413 on $235,000 |
| 47 | Indiana | $1,466 | $526 | $1,540 on $245,000 |
| 48 | Kentucky | $1,453 | $470 | $1,421 on $225,000 |
| 49 | Mississippi | $1,448 | $449 | $1,187 on $185,000 |
| 50 | Arkansas | $1,375 | $450 | $1,330 on $215,000 |
| 51 | West Virginia | $1,272 | $412 | $1,083 on $170,000 |
Red: a new buyer's mortgage, property tax and insurance alone exceed what the typical owner there pays in total. Click a state for its mortgage calculator, or run your own numbers in the mortgage calculator.
How to read these numbers
- Owners' costs are the Census Bureau's median "selected monthly owner costs" for owner-occupied homes with a mortgage: mortgage payments, property taxes, homeowners insurance, utilities and fuels, and condo or HOA fees. They're medians, not averages, and have margins of error.
- Buying today is our estimate for the state's median home value with 20% down, a 30-year fixed loan at an example 6.5% rate, the state's effective property tax rate and $1,800 a year of insurance. Utilities and HOA aren't included, so it understates the full cost.
- The two columns aren't directly comparable — that's why we only flag states where the narrower new-buyer estimate is already higher than owners' total costs.
Source: US Census Bureau, ACS 2024 1-year, Table B25088 (Median Selected Monthly Owner Costs by Mortgage Status); home values and property tax from the same survey (property tax rates by state). Free to reuse under CC BY 4.0 with a link to this page.
Frequently asked questions
What is the average mortgage payment in the US?+
The median homeowner with a mortgage pays $2,035 a month in total housing costs — mortgage, property tax, insurance, utilities and fees — according to the US Census Bureau's 2024 American Community Survey. Owners without a mortgage pay a median $664.
Which state has the highest mortgage payments?+
District of Columbia, at a median $3,181 a month for owners with a mortgage, followed by California ($3,001). West Virginia is lowest at $1,272.
Why is buying a home today more expensive than what owners pay?+
Many current owners bought at lower prices or locked in lower rates. In 40 of 51 states, buying the median home today with 20% down at an example 6.5% rate costs more in mortgage, property tax and insurance alone than the typical owner pays for everything, utilities included.
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