Monthly Mortgage Payment on Median Home by State (2026)
An analysis of the 2026 US housing dataset reveals deep geographical disparities in mortgage affordability across different states. While median household income has grown moderately in tech and financial hubs, home valuations have surged at twice the pace, driving borrowing costs to historic highs. A striking stat shows Hawaii median mortgage payments tracking 3.1x higher than West Virginia for identical structural baselines. This extreme divide is exacerbated by property tax rates and insurance premiums in states like New Jersey and Texas, pushing home financing ratios above 40% of local median household incomes. Conversely, regions in the Midwest and South, including Mississippi and Oklahoma, remain highly accessible with debt-to-income percentages well below the 28% affordability threshold. Understanding these state-level PITI variances is essential for home buyers navigating loan eligibility and local market entry across the nation.
Sources: National Association of Realtors (NAR) Median Sales Price Reports, US Census Bureau American Community Survey (ACS) 2024-2025 income data, and Freddie Mac primary mortgage market survey indices. All metrics are statistical estimates for demographic comparison.
West Virginia
Lowest mortgage payment ratio of only 23.1% of income.
California
Highest mortgage burden consuming 60.0% of household earnings.
California
Widest delta between local median household income and monthly PITI cost.
Comparative Metrics
PITI Affordability Index by State
| State ↕ | Median Home Price ↕ | 20% Down ↕ | Loan Amount ↕ | Monthly P&I @ 6.8% / 30yr ↕ | Avg Property Tax/mo ↕ | Est. PITI ↕ | Median Household Income ↕ | Payment-to-Income % ↓ | Affordability Rating ↕ |
|---|---|---|---|---|---|---|---|---|---|
| California | $780,000 | $156,000 | $624,000 | $4,068 | $488 | $4,681 | $7,800 | 60.0% | Stretched 🔴 |
| Hawaii | $850,000 | $170,000 | $680,000 | $4,433 | $198 | $4,756 | $8,200 | 58.0% | Stretched 🔴 |
| Montana | $450,000 | $90,000 | $360,000 | $2,347 | $311 | $2,783 | $5,600 | 49.7% | Stretched 🔴 |
| Washington | $600,000 | $120,000 | $480,000 | $3,129 | $470 | $3,724 | $7,650 | 48.7% | Stretched 🔴 |
| Massachusetts | $610,000 | $122,000 | $488,000 | $3,181 | $610 | $3,916 | $8,100 | 48.3% | Stretched 🔴 |
| Oregon | $500,000 | $100,000 | $400,000 | $2,608 | $404 | $3,137 | $6,500 | 48.3% | Stretched 🔴 |
| New York | $460,000 | $92,000 | $368,000 | $2,399 | $663 | $3,187 | $6,800 | 46.9% | Stretched 🔴 |
| New Jersey | $500,000 | $100,000 | $400,000 | $2,608 | $1,029 | $3,762 | $8,200 | 45.9% | Stretched 🔴 |
| Idaho | $440,000 | $88,000 | $352,000 | $2,295 | $231 | $2,651 | $5,800 | 45.7% | Stretched 🔴 |
| District of Columbia | $650,000 | $130,000 | $520,000 | $3,390 | $303 | $3,818 | $8,400 | 45.5% | Stretched 🔴 |
| New Hampshire | $460,000 | $92,000 | $368,000 | $2,399 | $786 | $3,310 | $7,450 | 44.4% | Stretched 🔴 |
| Florida | $400,000 | $80,000 | $320,000 | $2,086 | $287 | $2,498 | $5,700 | 43.8% | Stretched 🔴 |
| Nevada | $440,000 | $88,000 | $352,000 | $2,295 | $202 | $2,622 | $6,000 | 43.7% | Stretched 🔴 |
| Colorado | $530,000 | $106,000 | $424,000 | $2,764 | $225 | $3,114 | $7,200 | 43.3% | Stretched 🔴 |
| Rhode Island | $440,000 | $88,000 | $352,000 | $2,295 | $561 | $2,981 | $7,000 | 42.6% | Stretched 🔴 |
| Utah | $515,000 | $103,000 | $412,000 | $2,686 | $249 | $3,060 | $7,200 | 42.5% | Stretched 🔴 |
| Maine | $380,000 | $76,000 | $304,000 | $1,982 | $405 | $2,512 | $5,950 | 42.2% | Stretched 🔴 |
| Tennessee | $380,000 | $76,000 | $304,000 | $1,982 | $212 | $2,319 | $5,500 | 42.2% | Stretched 🔴 |
| Vermont | $360,000 | $72,000 | $288,000 | $1,878 | $570 | $2,573 | $6,100 | 42.2% | Stretched 🔴 |
| Arizona | $430,000 | $86,000 | $344,000 | $2,243 | $222 | $2,590 | $6,200 | 41.8% | Stretched 🔴 |
| North Carolina | $365,000 | $73,000 | $292,000 | $1,904 | $243 | $2,272 | $5,600 | 40.6% | Stretched 🔴 |
| Texas | $345,000 | $69,000 | $276,000 | $1,800 | $483 | $2,408 | $6,200 | 38.8% | Stretched 🔴 |
| New Mexico | $300,000 | $60,000 | $240,000 | $1,565 | $200 | $1,890 | $4,900 | 38.6% | Stretched 🔴 |
| Georgia | $360,000 | $72,000 | $288,000 | $1,878 | $270 | $2,273 | $5,900 | 38.5% | Stretched 🔴 |
| Connecticut | $380,000 | $76,000 | $304,000 | $1,982 | $681 | $2,788 | $7,400 | 37.7% | Stretched 🔴 |
| South Carolina | $330,000 | $66,000 | $264,000 | $1,721 | $154 | $2,000 | $5,300 | 37.7% | Stretched 🔴 |
| Delaware | $370,000 | $74,000 | $296,000 | $1,930 | $179 | $2,234 | $6,500 | 34.4% | Moderate ⚠️ |
| Virginia | $39,000 | $78,000 | $312,000 | $2,034 | $267 | $2,426 | $7,250 | 33.5% | Moderate ⚠️ |
| South Dakota | $300,000 | $60,000 | $240,000 | $1,565 | $310 | $2,000 | $6,050 | 33.1% | Moderate ⚠️ |
| Wisconsin | $285,000 | $57,000 | $228,000 | $1,486 | $411 | $2,022 | $6,100 | 33.1% | Moderate ⚠️ |
| Wyoming | $340,000 | $68,000 | $272,000 | $1,773 | $173 | $2,071 | $6,300 | 32.9% | Moderate ⚠️ |
| Maryland | $410,000 | $82,000 | $328,000 | $2,138 | $359 | $2,622 | $8,000 | 32.8% | Moderate ⚠️ |
| Alaska | $350,000 | $70,000 | $280,000 | $1,825 | $303 | $2,253 | $6,950 | 32.4% | Moderate ⚠️ |
| Illinois | $270,000 | $54,000 | $216,000 | $1,408 | $502 | $2,035 | $6,400 | 31.8% | Moderate ⚠️ |
| Pennsylvania | $270,000 | $54,000 | $216,000 | $1,408 | $356 | $1,889 | $6,050 | 31.2% | Moderate ⚠️ |
| Minnesota | $330,000 | $66,050 | $264,000 | $1,721 | $305 | $2,151 | $7,000 | 30.7% | Moderate ⚠️ |
| Michigan | $235,000 | $47,000 | $188,000 | $1,226 | $290 | $1,641 | $5,550 | 29.6% | Moderate ⚠️ |
| Nebraska | $250,000 | $50,000 | $200,000 | $1,304 | $348 | $1,777 | $6,000 | 29.6% | Moderate ⚠️ |
| Missouri | $245,000 | $49,000 | $196,000 | $1,278 | $200 | $1,603 | $5,450 | 29.4% | Moderate ⚠️ |
| Arkansas | $200,000 | $40,000 | $160,000 | $1,043 | $103 | $1,271 | $4,400 | 28.9% | Moderate ⚠️ |
| Alabama | $225,000 | $45,000 | $180,000 | $1,173 | $77 | $1,375 | $4,800 | 28.6% | Moderate ⚠️ |
| Indiana | $240,000 | $48,000 | $192,000 | $1,252 | $162 | $1,539 | $5,400 | 28.5% | Moderate ⚠️ |
| Ohio | $220,000 | $44,000 | $176,000 | $1,147 | $281 | $1,553 | $5,500 | 28.2% | Moderate ⚠️ |
| Louisiana | $210,000 | $42,000 | $168,000 | $1,095 | $98 | $1,318 | $4,700 | 28.0% | Moderate ⚠️ |
| North Dakota | $260,000 | $52,000 | $208,000 | $1,356 | $215 | $1,696 | $6,100 | 27.8% | Comfortable ✅ |
| Kansas | $225,000 | $45,000 | $180,000 | $1,173 | $268 | $1,566 | $5,650 | 27.7% | Comfortable ✅ |
| Mississippi | $175,000 | $35,000 | $140,000 | $913 | $115 | $1,153 | $4,200 | 27.5% | Comfortable ✅ |
| Kentucky | $200,000 | $40,000 | $160,000 | $1,043 | $142 | $1,310 | $4,800 | 27.3% | Comfortable ✅ |
| Iowa | $210,000 | $42,000 | $168,000 | $1,095 | $275 | $1,495 | $5,700 | 26.2% | Comfortable ✅ |
| Oklahoma | $195,000 | $39,000 | $156,000 | $1,017 | $146 | $1,288 | $5,000 | 25.8% | Comfortable ✅ |
| West Virginia | $160,000 | $32,000 | $128,000 | $834 | $79 | $1,038 | $4,500 | 23.1% | Comfortable ✅ |
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