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Owners with a mortgage paying 35%+ of income: U.S. states ranked

Measure: Homes with a mortgage and high owner costs: Owners with a mortgage paying 35%+ of income. All 50 states and District of Columbia with data in Homes with a mortgage and high owner costs by state, ranked from highest to lowest. Reference period: 2025.

Licence: Public domain (U.S. federal government work).
Data last updated: 2026-11-04

Download full table CSV Source: U.S. Census Bureau (opens in a new tab)

National value: 23.6 (United States).

Small states, hard to see on the map:

DC 19.9 %
RI 27 %
DE 22.6 %
CT 23.8 %
NJ 25.4 %
MD 21.2 %
MA 25.1 %
VT 21.4 %
NH 21.6 %

Lowest: 13.5 to 18.6 %
Group 2: 18.6 to 20.6 %
Group 3: 20.6 to 22.6 %
Group 4: 22.6 to 25.1 %
Highest: 25.1 to 31.9 %

The map is a visual summary; every value is in the table below, which is the keyboard and screen-reader path. Groups are quintiles of the values shown (a derived grouping). Boundaries: Natural Earth (public domain), simplified. Alaska and Hawaii are shown as insets, not to scale.

Rank is derived by Quadranac: 1 = highest value; ties share a rank. Values are as published in the source table.


1	California	31.9
2	Florida	30.9
3	Hawaii	30.2
4	New York	27.8
5	Rhode Island	27
6	Nevada	26.5
7	Colorado	26.4
8	Oregon	25.7
9	New Jersey	25.4
10	Wyoming	25.2
11	Massachusetts	25.1
12	Arizona	25
13	Washington	24.8
14	Texas	24.6
15	Montana	24
16	Georgia	23.9
17	Connecticut	23.8
18	Mississippi	23.1
19	Louisiana	22.8
20	New Mexico	22.7
21	Delaware	22.6
22	Utah	22.5
23	Illinois	22.3
24	New Hampshire	21.6
24	North Carolina	21.6
26	South Carolina	21.5
27	Vermont	21.4
28	Maryland	21.2
29	Maine	21.1
30	Idaho	20.8
31	Virginia	20.6
32	Oklahoma	20.5
33	Alaska	20.4
34	Alabama	20.3
35	Tennessee	20.1
36	Arkansas	19.9
36	District of Columbia	19.9
38	Michigan	19.3
39	Pennsylvania	19.1
40	Minnesota	19
41	Kentucky	18.6
42	Ohio	18.5
43	Kansas	18.4
44	Missouri	18.2
45	Indiana	18.1
46	Wisconsin	17.9
47	West Virginia	17.8
48	Nebraska	17.6
49	South Dakota	17.1
50	Iowa	16.4
51	North Dakota	13.5

Source: U.S. Census Bureau, American Community Survey 1-year estimates, Table DP04: Selected Housing Characteristics. Reference period: 2025.

Cite this ranking

U.S. states ranked by homes with a mortgage and high owner costs: Owners with a mortgage paying 35%+ of income (2025). Data: U.S. Census Bureau, American Community Survey, ACS 1-year estimates, Table DP04; rank derived by Quadranac. Data last updated 2026-11-04. https://quadranac.com/rankings/us-states-by-homes-with-a-mortgage-and-high-owner-costs-owners-with-a-mortgage-paying-35-pct-plus-of-income/

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