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Monthly owner costs with a mortgage by state

California has the highest estimate ($3,001); West Virginia has the lowest ($1,272). Source: U.S. Census Bureau, ACS 1-year, 2024.

Data year: 2024Source released Sept. 11, 2025Last updated Oct. 23, 2026GCT2511

50 ranked states; DC and Puerto Rico appear as reference rows where the source supplies them. Highest does not mean best. Ranks reflect point estimates; close values may not differ statistically.

Lowest state estimate $1,272 West Virginia
Highest state estimate $3,001 California
California: $3,001 Hawaii: $2,937 New Jersey: $2,797 Massachusetts: $2,755 New York: $2,544 Washington: $2,519 Colorado: $2,466 Connecticut: $2,454 New Hampshire: $2,399 Maryland: $2,389 Rhode Island: $2,262 Alaska: $2,253 Oregon: $2,234 Texas: $2,211 Florida: $2,168 Virginia: $2,149 Utah: $2,143 Nevada: $2,008 Illinois: $1,994 Minnesota: $1,985 Georgia: $1,909 Arizona: $1,893 Vermont: $1,893 Montana: $1,878 Delaware: $1,821 Wyoming: $1,815 North Dakota: $1,814 Maine: $1,796 Pennsylvania: $1,775 Idaho: $1,769 Nebraska: $1,764 Kansas: $1,749 North Carolina: $1,747 South Dakota: $1,739 Wisconsin: $1,701 Louisiana: $1,650 Tennessee: $1,637 New Mexico: $1,628 South Carolina: $1,627 Oklahoma: $1,606 Missouri: $1,589 Michigan: $1,573 Ohio: $1,563 Iowa: $1,538 Alabama: $1,500 Indiana: $1,466 Kentucky: $1,453 Mississippi: $1,448 Arkansas: $1,375 West Virginia: $1,272
Each dot is a state. The scale runs from the lowest to highest estimate; intervals are not shown here. Read about uncertainty.

State distribution and comparisons

The middle of the 50-state distribution is $1,818: the average of the 25th and 26th ordered state estimates. This treats each state equally, so it answers a different question from a population-weighted national estimate.

No other state is statistically tied with California at 90% confidence. Every other state differs from the highest point estimate under this pairwise test. This is not a confidence interval for rank, and testing multiple pairs increases false-positive risk.

See the top ten estimates with their 90% margins of error$1,248$3,014CaliforniaHawaiiNew JerseyMassachusettsNew YorkWashingtonColoradoConnecticutNew HampshireMaryland

Shared axis spans the complete 50-state estimate ± MOE range. Intervals describe individual estimates; overlapping intervals alone are not our significance test.

How does this compare with owners with a mortgage: mean income after housing costs?

These states’ ranks change the most between monthly owner costs with a mortgage and owners with a mortgage: mean income after housing costs. These comparisons identify different questions worth investigating; a rank gap does not measure a causal effect or a statistical difference between unlike units.

StateMonthly owner costs with a mortgageOwners with a mortgage: mean income after housing costs
Florida$2,168 · #15$109,506 · #31
Montana$1,878 · #24$103,689 · #39
Wyoming$1,815 · #26$102,511 · #41

Inspect these states, definitions and pairwise differences.

Values over time

Annual ACS 1-year estimates, 2021–2024. Each year is a separate published survey release; 2020 is excluded because the Census Bureau did not release standard 1-year estimates for that year. Dollar figures are in each year’s dollars, not adjusted for inflation. Ranks are recalculated among the same 50 states for each year.

Comparability boundary: Definition change in 2024: selected monthly owner costs began including homeowners association fees. Earlier years are shown separately for reference; do not treat the boundary as a like-for-like change. Producer documentation.

The state-by-state view

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Ranked among 50 states; District of Columbia and Puerto Rico shown for reference. Rank 1 = highest value.

Monthly owner costs with a mortgage · 2024 · U.S. dollars
RankState / jurisdictionValue90% margin of errorDifference from previous rank
1California$3,001± $13Highest estimate
2Hawaii$2,937± $51Different at 90%
3New Jersey$2,797± $15Different at 90%
4Massachusetts$2,755± $21Different at 90%
5New York$2,544± $23Different at 90%
6Washington$2,519± $24Not distinguishable at 90%
7Colorado$2,466± $22Different at 90%
8Connecticut$2,454± $23Not distinguishable at 90%
9New Hampshire$2,399± $45Different at 90%
10Maryland$2,389± $21Not distinguishable at 90%
11Rhode Island$2,262± $46Different at 90%
12Alaska$2,253± $51Not distinguishable at 90%
13Oregon$2,234± $20Not distinguishable at 90%
14Texas$2,211± $12Not distinguishable at 90%
15Florida$2,168± $12Different at 90%
16Virginia$2,149± $17Not distinguishable at 90%
17Utah$2,143± $28Not distinguishable at 90%
18Nevada$2,008± $31Different at 90%
19Illinois$1,994± $15Not distinguishable at 90%
20Minnesota$1,985± $13Not distinguishable at 90%
21Georgia$1,909± $15Different at 90%
22Arizona$1,893± $18Not distinguishable at 90%
22Vermont$1,893± $40Not distinguishable at 90%
24Montana$1,878± $40Not distinguishable at 90%
25Delaware$1,821± $41Not distinguishable at 90%
26Wyoming$1,815± $54Not distinguishable at 90%
27North Dakota$1,814± $42Not distinguishable at 90%
28Maine$1,796± $33Not distinguishable at 90%
29Pennsylvania$1,775± $12Not distinguishable at 90%
30Idaho$1,769± $36Not distinguishable at 90%
31Nebraska$1,764± $25Not distinguishable at 90%
32Kansas$1,749± $26Not distinguishable at 90%
33North Carolina$1,747± $14Not distinguishable at 90%
34South Dakota$1,739± $37Not distinguishable at 90%
35Wisconsin$1,701± $13Not distinguishable at 90%
36Louisiana$1,650± $20Different at 90%
37Tennessee$1,637± $16Not distinguishable at 90%
38New Mexico$1,628± $31Not distinguishable at 90%
39South Carolina$1,627± $19Not distinguishable at 90%
40Oklahoma$1,606± $17Not distinguishable at 90%
41Missouri$1,589± $14Not distinguishable at 90%
42Michigan$1,573± $9Not distinguishable at 90%
43Ohio$1,563± $11Not distinguishable at 90%
44Iowa$1,538± $19Different at 90%
45Alabama$1,500± $15Different at 90%
46Indiana$1,466± $12Different at 90%
47Kentucky$1,453± $17Not distinguishable at 90%
48Mississippi$1,448± $22Not distinguishable at 90%
49Arkansas$1,375± $22Different at 90%
50West Virginia$1,272± $24Different at 90%
Ref.District of ColumbiaNot ranked among states$3,181± $130Reference jurisdiction
Ref.Puerto RicoNot ranked among states$879± $15Reference jurisdiction

50 states plus 2 reference rows.

What this ranking measures

Median monthly housing costs for owner-occupied units with a mortgage.

Selected costs include more than the mortgage payment. Owners without a mortgage are outside this universe.

The size of the gap

The difference between the highest and lowest state estimates is $1,729. The U.S. benchmark is $2,035. It is not a simple average of the states.

17 states have point estimates above the U.S. benchmark and 33 below it. These counts do not establish statistical significance.

How much should you read into a rank?

Each estimate has a 90% margin of error published by the Census Bureau. For two different states, we flag a difference only when its absolute size exceeds the square root of the sum of their squared margins of error. The comparison tool applies this check to every selected pair.

Non-significance is not proof of equality. These pairwise tests are not adjusted for multiple comparisons and do not form ranking confidence intervals. Statistical method and limitations.

Ranks use the full precision of the source file, so only truly equal values share a rank (1, 2, 2, 4).

Keep exploring

Why prices, housing spending and burden produce different state orders.

Explore the same states in a side-by-side comparison, or combine this measure with others in the custom ranking tool.

Source and method

Producer
U.S. Census Bureau
Product / file
ACS 1-year · GCT2511
Period
2024
Unit
U.S. dollars
Calculation
Published estimate; no transformation of the value. Rank = 1 + number of eligible jurisdictions with a higher value.
Coverage
The 50 states are ranked. Washington, D.C., can be added with the toggle above the table; Puerto Rico is shown for reference only, where the source covers it.
Cadence
Annual. 2025 ACS 1-year estimates scheduled for October 29, 2026 (Census ACS updates page); adoption follows editorial review.
Independence
Rank the States is independent. The agencies that produce the source data do not endorse these rankings.

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Download the default full table (CSV) or use the download above for the table’s current filter and order. Data dictionary and source metadata

Updates and corrections

Last updated Oct. 23, 2026. Earlier editions stay available on the data page, and every change is listed in the update log. If a number or definition looks wrong, report an error with the state, value, and source you checked.

Related rankings

State distributions: each mark is one state, from lowest to highest. Each row uses its own scale.

01

Owners with a mortgage: mean income after housing costs

2024 · Census PUMS

$157,270 Massachusetts · highest estimate 02

Mortgage-free owners: mean income after housing costs

2024 · Census PUMS

$130,864 Massachusetts · highest estimate 03

Cheapest states to buy a house (home values)

2024 · Census ACS

$875,900 Hawaii · highest estimate

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