CalculatorWhich state has the highest monthly mortgage payment?
Hawaii has the highest estimated median monthly payment at $4,512, based on a Census median home value of $808,200, a 0.30% effective property tax rate, and the current 6.47% 30-year fixed rate.
Data Report · 51 States
The Real Monthly Mortgage Payment in Every State (2026)
At today's 30-year fixed rate of 6.47%, the median monthly mortgage payment ranges from $895 in West Virginia to $4,512 in Hawaii — a difference of $3,617 per month. This analysis combines U.S. Census Bureau property-tax data with live rates from the Federal Reserve across all 50 states and Washington, D.C.
Calculated at the current 30-year fixed rate of 6.47% (Freddie Mac via FRED, week of June 18, 2026).
By Dexter Umel · Last updated 2026-06-20
Ranked Monthly Payments by State
Default sort: highest total monthly payment first. Click column headers to re-sort.
| Hawaii | $808,200 | 0.30% | $4,074 | $202 | $236 | $4,512 | 55.1% |
|---|---|---|---|---|---|---|---|
| Washington DC | $724,600 | 0.60% | $3,653 | $362 | $211 | $4,226 | 47.7% |
| California | $695,400 | 0.70% | $3,505 | $406 | $203 | $4,114 | 51.2% |
| Massachusetts | $525,800 | 1.10% | $2,650 | $482 | $153 | $3,286 | 38.9% |
| Washington | $519,800 | 0.80% | $2,620 | $347 | $152 | $3,118 | 39.4% |
| New Jersey | $427,600 | 2.20% | $2,155 | $784 | $125 | $3,064 | 36.4% |
| Colorado | $502,200 | 0.50% | $2,531 | $209 | $146 | $2,887 | 37.5% |
| Oregon | $454,200 | 0.80% | $2,290 | $303 | $132 | $2,725 | 40.7% |
| New York | $403,000 | 1.60% | $2,031 | $537 | $118 | $2,686 | 38.1% |
| Utah | $455,000 | 0.50% | $2,294 | $190 | $133 | $2,616 | 34.2% |
| New Hampshire | $367,200 | 1.80% | $1,851 | $551 | $107 | $2,509 | 31.5% |
| Maryland | $397,700 | 1.00% | $2,005 | $331 | $116 | $2,452 | 28.9% |
| Connecticut | $343,200 | 1.90% | $1,730 | $543 | $100 | $2,373 | 30.4% |
| Rhode Island | $368,800 | 1.30% | $1,859 | $400 | $108 | $2,366 | 32.9% |
| Nevada | $406,100 | 0.50% | $2,047 | $169 | $118 | $2,335 | 37.1% |
| Idaho | $376,000 | 0.50% | $1,895 | $157 | $110 | $2,162 | 34.8% |
| Virginia | $360,700 | 0.70% | $1,818 | $210 | $105 | $2,134 | 28.1% |
| Alaska | $333,300 | 1.10% | $1,680 | $306 | $97 | $2,083 | 28.0% |
| Arizona | $358,900 | 0.50% | $1,809 | $150 | $105 | $2,063 | 32.2% |
| Montana | $338,100 | 0.80% | $1,704 | $225 | $99 | $2,028 | 34.8% |
| Vermont | $290,500 | 1.70% | $1,464 | $412 | $85 | $1,961 | 30.2% |
| Florida | $325,000 | 0.80% | $1,638 | $217 | $95 | $1,950 | 32.6% |
| Minnesota | $305,500 | 1.00% | $1,540 | $255 | $89 | $1,884 | 25.8% |
| Delaware | $326,800 | 0.50% | $1,647 | $136 | $95 | $1,879 | 27.2% |
| Illinois | $250,500 | 2.10% | $1,263 | $438 | $73 | $1,774 | 26.1% |
| Texas | $260,400 | 1.60% | $1,313 | $347 | $76 | $1,736 | 27.3% |
| Maine | $266,400 | 1.10% | $1,343 | $244 | $78 | $1,665 | 27.8% |
| Wyoming | $285,100 | 0.60% | $1,437 | $143 | $83 | $1,663 | 26.7% |
| Georgia | $272,900 | 0.80% | $1,376 | $182 | $80 | $1,637 | 26.3% |
| Wisconsin | $247,400 | 1.50% | $1,247 | $309 | $72 | $1,628 | 25.8% |
| Pennsylvania | $240,500 | 1.40% | $1,212 | $281 | $70 | $1,563 | 24.7% |
| North Carolina | $259,400 | 0.70% | $1,308 | $151 | $76 | $1,535 | 26.3% |
| Tennessee | $256,800 | 0.60% | $1,294 | $128 | $75 | $1,498 | 26.8% |
| North Dakota | $241,100 | 1.00% | $1,215 | $201 | $70 | $1,487 | 23.5% |
| South Dakota | $236,800 | 1.10% | $1,194 | $217 | $69 | $1,480 | 24.5% |
| Nebraska | $223,800 | 1.50% | $1,128 | $280 | $65 | $1,473 | 23.6% |
| Michigan | $217,600 | 1.30% | $1,097 | $236 | $63 | $1,396 | 23.5% |
| New Mexico | $232,200 | 0.70% | $1,170 | $135 | $68 | $1,374 | 26.5% |
| South Carolina | $236,700 | 0.50% | $1,193 | $99 | $69 | $1,361 | 24.4% |
| Missouri | $215,600 | 0.90% | $1,087 | $162 | $63 | $1,311 | 22.8% |
| Kansas | $203,400 | 1.30% | $1,025 | $220 | $59 | $1,305 | 21.6% |
| Ohio | $199,200 | 1.40% | $1,004 | $232 | $58 | $1,295 | 22.3% |
| Iowa | $195,900 | 1.40% | $987 | $229 | $57 | $1,273 | 20.9% |
| Louisiana | $208,700 | 0.60% | $1,052 | $104 | $61 | $1,217 | 24.3% |
| Indiana | $201,600 | 0.70% | $1,016 | $118 | $59 | $1,193 | 20.4% |
| Kentucky | $192,300 | 0.80% | $969 | $128 | $56 | $1,154 | 22.2% |
| Oklahoma | $185,900 | 0.80% | $937 | $124 | $54 | $1,115 | 21.0% |
| Alabama | $195,100 | 0.40% | $983 | $65 | $57 | $1,105 | 21.4% |
| Arkansas | $175,300 | 0.60% | $884 | $88 | $51 | $1,022 | 20.9% |
| Mississippi | $161,400 | 0.70% | $814 | $94 | $47 | $955 | 20.9% |
| West Virginia | $155,600 | 0.50% | $784 | $65 | $45 | $895 | 18.5% |
Most and least expensive states
Most Expensive States
- 1.Hawaii$4,512
- 2.Washington DC$4,226
- 3.California$4,114
- 4.Massachusetts$3,286
- 5.Washington$3,118
- 6.New Jersey$3,064
- 7.Colorado$2,887
- 8.Oregon$2,725
- 9.New York$2,686
- 10.Utah$2,616
Most Affordable States
- 1.West Virginia$895
- 2.Mississippi$955
- 3.Arkansas$1,022
- 4.Alabama$1,105
- 5.Oklahoma$1,115
- 6.Kentucky$1,154
- 7.Indiana$1,193
- 8.Louisiana$1,217
- 9.Iowa$1,273
- 10.Ohio$1,295
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 6.47% 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 (6.47%, week of June 18, 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 $895, using Census median home value and property tax data at today's 6.47% 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 6.47% 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 6.47% 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.
Compare affordability scenarios on our Housing Affordability by State tool or run your own numbers with the mortgage calculator.