CalculatorWhich state has the highest monthly mortgage payment?
Hawaii has the highest estimated median monthly payment at $4,593, based on a Census median home value of $808,200, a 0.30% effective property tax rate, and the current 6.66% 30-year fixed rate.
Data Report · 51 States · Published June 2026
The 2026 State of Mortgage Payments in America
A state-by-state analysis of true monthly mortgage payments using U.S. Census property tax data and live Freddie Mac rates.
At today's 30-year fixed rate of 6.66%, the median monthly mortgage payment ranges from $910 in West Virginia to $4,593 in Hawaii — a difference of $3,683 per month. This analysis combines U.S. Census Bureau property-tax data with live rates from Freddie Mac via FRED across all 50 states and Washington, D.C.
Published: June 2026 · Last updated: 2026-08-04
By Dexter Umel, Founder — CalculatorBasics.com
Dexter Umel is the founder of CalculatorBasics.com. A support engineer by background, he started the site after helping his parents shop for a home in Florida and finding the free-calculator number never matched the lender's quote. His philosophy — “I don't like trusting a number I can't verify” — drives the site's methodology of combining U.S. Census property tax data with live Freddie Mac rates.
Calculated at the current 30-year fixed rate of 6.66% (Freddie Mac via FRED, week of July 30, 2026).
Methodology at a glance
This study estimates the true monthly cost of owning a median-priced home in every U.S. state and Washington, D.C. Median home values, effective property tax rates, and household incomes come from the U.S. Census Bureau American Community Survey (ACS 2023 5-Year Estimates). The 30-year fixed mortgage rate (6.66% as of the latest Freddie Mac Primary Mortgage Market Survey via FRED) refreshes live on CalculatorBasics.com. Each payment assumes a 30-year fixed loan with 20% down (no PMI), plus monthly property tax and homeowners insurance estimated at 0.35% of home value annually. Mortgage rates update weekly; property tax inputs refresh when new Census releases are published.
Ranked Monthly Payments by State
Default sort: highest total monthly payment first. Click column headers to re-sort.
| Hawaii | $808,200 | 0.30% | $4,155 | $202 | $236 | $4,593 | 56.1% |
|---|---|---|---|---|---|---|---|
| Washington DC | $724,600 | 0.60% | $3,725 | $362 | $211 | $4,299 | 48.5% |
| California | $695,400 | 0.70% | $3,575 | $406 | $203 | $4,184 | 52.1% |
| Massachusetts | $525,800 | 1.10% | $2,703 | $482 | $153 | $3,338 | 39.5% |
| Washington | $519,800 | 0.80% | $2,672 | $347 | $152 | $3,170 | 40.1% |
| New Jersey | $427,600 | 2.20% | $2,198 | $784 | $125 | $3,107 | 36.9% |
| Colorado | $502,200 | 0.50% | $2,582 | $209 | $146 | $2,938 | 38.1% |
| Oregon | $454,200 | 0.80% | $2,335 | $303 | $132 | $2,770 | 41.3% |
| New York | $403,000 | 1.60% | $2,072 | $537 | $118 | $2,727 | 38.7% |
| Utah | $455,000 | 0.50% | $2,339 | $190 | $133 | $2,661 | 34.8% |
| New Hampshire | $367,200 | 1.80% | $1,888 | $551 | $107 | $2,546 | 31.9% |
| Maryland | $397,700 | 1.00% | $2,045 | $331 | $116 | $2,492 | 29.4% |
| Connecticut | $343,200 | 1.90% | $1,764 | $543 | $100 | $2,408 | 30.8% |
| Rhode Island | $368,800 | 1.30% | $1,896 | $400 | $108 | $2,403 | 33.4% |
| Nevada | $406,100 | 0.50% | $2,088 | $169 | $118 | $2,375 | 37.7% |
| Idaho | $376,000 | 0.50% | $1,933 | $157 | $110 | $2,199 | 35.4% |
| Virginia | $360,700 | 0.70% | $1,854 | $210 | $105 | $2,170 | 28.6% |
| Alaska | $333,300 | 1.10% | $1,714 | $306 | $97 | $2,116 | 28.4% |
| Arizona | $358,900 | 0.50% | $1,845 | $150 | $105 | $2,099 | 32.8% |
| Montana | $338,100 | 0.80% | $1,738 | $225 | $99 | $2,062 | 35.4% |
| Vermont | $290,500 | 1.70% | $1,493 | $412 | $85 | $1,990 | 30.6% |
| Florida | $325,000 | 0.80% | $1,671 | $217 | $95 | $1,982 | 33.2% |
| Minnesota | $305,500 | 1.00% | $1,571 | $255 | $89 | $1,914 | 26.2% |
| Delaware | $326,800 | 0.50% | $1,680 | $136 | $95 | $1,912 | 27.7% |
| Illinois | $250,500 | 2.10% | $1,288 | $438 | $73 | $1,799 | 26.4% |
| Texas | $260,400 | 1.60% | $1,339 | $347 | $76 | $1,762 | 27.7% |
| Maine | $266,400 | 1.10% | $1,370 | $244 | $78 | $1,691 | 28.3% |
| Wyoming | $285,100 | 0.60% | $1,466 | $143 | $83 | $1,691 | 27.1% |
| Georgia | $272,900 | 0.80% | $1,403 | $182 | $80 | $1,665 | 26.8% |
| Wisconsin | $247,400 | 1.50% | $1,272 | $309 | $72 | $1,653 | 26.2% |
| Pennsylvania | $240,500 | 1.40% | $1,236 | $281 | $70 | $1,587 | 25.0% |
| North Carolina | $259,400 | 0.70% | $1,334 | $151 | $76 | $1,561 | 26.8% |
| Tennessee | $256,800 | 0.60% | $1,320 | $128 | $75 | $1,524 | 27.2% |
| North Dakota | $241,100 | 1.00% | $1,239 | $201 | $70 | $1,511 | 23.9% |
| South Dakota | $236,800 | 1.10% | $1,217 | $217 | $69 | $1,504 | 24.9% |
| Nebraska | $223,800 | 1.50% | $1,151 | $280 | $65 | $1,496 | 23.9% |
| Michigan | $217,600 | 1.30% | $1,119 | $236 | $63 | $1,418 | 23.9% |
| New Mexico | $232,200 | 0.70% | $1,194 | $135 | $68 | $1,397 | 27.0% |
| South Carolina | $236,700 | 0.50% | $1,217 | $99 | $69 | $1,385 | 24.9% |
| Missouri | $215,600 | 0.90% | $1,108 | $162 | $63 | $1,333 | 23.2% |
| Kansas | $203,400 | 1.30% | $1,046 | $220 | $59 | $1,325 | 21.9% |
| Ohio | $199,200 | 1.40% | $1,024 | $232 | $58 | $1,315 | 22.6% |
| Iowa | $195,900 | 1.40% | $1,007 | $229 | $57 | $1,293 | 21.2% |
| Louisiana | $208,700 | 0.60% | $1,073 | $104 | $61 | $1,238 | 24.8% |
| Indiana | $201,600 | 0.70% | $1,036 | $118 | $59 | $1,213 | 20.8% |
| Kentucky | $192,300 | 0.80% | $989 | $128 | $56 | $1,173 | 22.5% |
| Oklahoma | $185,900 | 0.80% | $956 | $124 | $54 | $1,134 | 21.4% |
| Alabama | $195,100 | 0.40% | $1,003 | $65 | $57 | $1,125 | 21.8% |
| Arkansas | $175,300 | 0.60% | $901 | $88 | $51 | $1,040 | 21.2% |
| Mississippi | $161,400 | 0.70% | $830 | $94 | $47 | $971 | 21.2% |
| West Virginia | $155,600 | 0.50% | $800 | $65 | $45 | $910 | 18.9% |
Most and least expensive states
Most Expensive States
- 1.Hawaii$4,593
- 2.Washington DC$4,299
- 3.California$4,184
- 4.Massachusetts$3,338
- 5.Washington$3,170
- 6.New Jersey$3,107
- 7.Colorado$2,938
- 8.Oregon$2,770
- 9.New York$2,727
- 10.Utah$2,661
Most Affordable States
- 1.West Virginia$910
- 2.Mississippi$971
- 3.Arkansas$1,040
- 4.Alabama$1,125
- 5.Oklahoma$1,134
- 6.Kentucky$1,173
- 7.Indiana$1,213
- 8.Louisiana$1,238
- 9.Iowa$1,293
- 10.Ohio$1,315
How to cite this report
Suggested attribution: Source: The 2026 State of Mortgage Payments in America, CalculatorBasics.com
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CalculatorBasics.com. (2026). The 2026 State of Mortgage Payments in America. Retrieved 2026-08-04, from https://calculatorbasics.com/mortgage-payment-by-state
MLA
CalculatorBasics.com. "The 2026 State of Mortgage Payments in America." Calculator Basics, June 2026, https://calculatorbasics.com/mortgage-payment-by-state. Accessed 2026-08-04.
Chicago
CalculatorBasics.com. "The 2026 State of Mortgage Payments in America." Last modified 2026-08-04. https://calculatorbasics.com/mortgage-payment-by-state.
Full methodology
This report estimates the median monthly housing payment a buyer would face in each state using a consistent set of assumptions so states are comparable.
Formula (per state)
- Home price = Census ACS median home value (
us_states.avg_home_price, 2023 5-Year Estimates) - Down payment = 20% (loan = 80% of home price)
- Monthly P&I = standard 30-year fixed amortization at the national 6.66% 30-year rate
- Monthly property tax = median home value × Census effective property tax rate ÷ 12
- Monthly insurance = median home value × 0.35% ÷ 12 (national estimate; actual premiums vary by location and coverage)
- Total monthly payment = P&I + property tax + insurance (no PMI at 20% down)
- % of income = (total monthly × 12) ÷ Census median household income
The “% of income” figure assumes a household earning the state's median income buying the state's median-priced home — a benchmark for relative affordability, not a claim about any individual buyer.
Data sources
- U.S. Census Bureau American Community Survey (ACS) — median home value (B25077), median property taxes paid (B25103), median household income (B19013), 2023 5-Year Estimates
- FRED / Freddie Mac Primary Mortgage Market Survey — national 30-year fixed rate (6.66%, week of July 30, 2026)
Property tax rates are state-level effective medians (tax paid ÷ home value), not county statutory rates. The mortgage rate is national, not state-specific. Insurance uses a flat 0.35%-of-value estimate because state-level premium data is not in our database.
Frequently Asked Questions
Which state has the lowest monthly mortgage payment?
West Virginia has the lowest estimated median monthly payment at $910, using Census median home value and property tax data at today's 6.66% 30-year fixed rate.
How is the monthly mortgage payment calculated?
Each state's total is principal and interest on an 80% loan (20% down) at the national 6.66% 30-year fixed rate, plus monthly property tax (median home value × Census effective tax rate ÷ 12) and estimated homeowners insurance (0.35% of home value ÷ 12). PMI is excluded because the model assumes 20% down.
What data sources does this report use?
Median home values, property tax rates, and household incomes come from the U.S. Census Bureau ACS 2023 5-Year Estimates (via us_states). The mortgage rate is the Freddie Mac 30-year fixed average from FRED (Federal Reserve Economic Data), updated weekly.
Does the mortgage rate vary by state in this report?
No. The 6.66% rate is a single national weekly average from FRED, applied equally to all states. Local lender offers, credit score, and loan type can change your actual rate.
Journalists: visit our Press & Media page for charts, a press release, and citation formats. Compare affordability scenarios on our Housing Affordability by State tool, or run your own numbers with the mortgage calculator.