What is in this file
One row per state, plus DC and Puerto Rico where available. The rank universe is 50 states; reference rows have an empty rank. The file is sorted by descending value with reference jurisdictions after the states.
- Period
- 2024
- Release
- 2025-12-04
- Updated
- 2026-10-23
- Producer
- U.S. Census Bureau; calculations by Rank the States
- Source
- ACS 1-year PUMS · ACS PUMS 2024: mortgaged-owners
- Units
- U.S. dollars
- Cadence
- Annual
Quick validation snapshot
Massachusetts has the highest estimate ($157,270); Mississippi has the lowest ($95,338). A national estimate is not calculated for this derived measure. These are useful checks when importing the CSV into a spreadsheet. Reference jurisdictions may lie outside the 50-state range, so exclude rows marked reference when reproducing the default state ranks.
Margins of error are 90% survey margins. Preserve them when reshaping the data; an empty cell and a numeric zero have different meanings.
Calculation and reproducibility
Weighted mean of adjusted household income minus twelve times adjusted monthly housing costs. 90% MOE = 1.645 sqrt((4/80) sum((replicate mean - full mean)^2)). Signed replicate weights are retained.
Immutable edition 2026-10-23 CSV · Full edition registry, including available histories
Microdata method, exclusions, replicate weights and reproducible code. The checksum below identifies the derived aggregate results file; individual state input checksums are in the reproducibility download.
Column definitions
| Column | Meaning |
|---|---|
| rank | 1 + the number of states with a higher source value; empty for reference rows. |
| jurisdiction | State name or labeled reference jurisdiction. |
| value | Numeric estimate, using the source’s available precision. |
| unit | U.S. dollars |
| moe_90 | Published 90% margin of error in the same units; empty when not published. |
| reference | True if excluded from the default 50-state ranking. |
| period | Reference period of the observation. |
| release | Date of the source release. |
| source | Producer and table/file identifier. |
| source_url | Producer file or source documentation; microdata rows link to the specific state input ZIP. |
Limits and reuse
Before taxes and other living expenses. Not disposable income, savings, or a typical family budget. No-cash-rent homes, vacant homes, and group quarters are excluded; zero and negative income are retained. Means are sensitive to high incomes. Census allocation and top/bottom coding are retained. This is an experimental independent calculation, not an official Census table.
This is an independent arrangement of federal statistical data. Cite the named producer for the original observations and Rank the States for computed ranks. Downloading or embedding does not imply government endorsement. Source files are archived with a checksum for reproducibility.
SHA-256: 2fa748664d6e95fe2afcf758a668db65566296959fe917cda971425c7120718d
Citation
Rank the States. Owners with a mortgage: mean income after housing costs, 2024. Source: U.S. Census Bureau; calculations by Rank the States, ACS 1-year PUMS, ACS PUMS 2024: mortgaged-owners; released 2025-12-04. Edition 2026-10-23. https://rankthestates.com/data/editions/2026-10-23/mortgaged-owners-income-after-housing.csv