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Owners without a mortgage paying 35%+ of income: U.S. states ranked

Measure: Homes with a mortgage and high owner costs: Owners without 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 CSVSource: U.S. Census Bureau (opens in a new tab)

National value: 12.5 (United States).

Washington: 11.4Idaho: 9.7Montana: 12.3North Dakota: 8.6Minnesota: 10.8Michigan: 12Ohio: 11.2Pennsylvania: 11.7New York: 17.3Vermont: 16New Hampshire: 14.3Maine: 13Arizona: 9.4California: 15.1New Mexico: 10.7Texas: 12Louisiana: 12.5Mississippi: 11Alabama: 10.1Florida: 16.2Georgia: 10South Carolina: 11.1North Carolina: 10.7Virginia: 10.1District of Columbia: 15.3Maryland: 12.3Delaware: 11.9New Jersey: 18.1Connecticut: 15.2Rhode Island: 14.2Massachusetts: 16.9Oregon: 14.1Utah: 9.4Wyoming: 10.2Nevada: 10.7Colorado: 12.2South Dakota: 9.3Nebraska: 9.7Kansas: 10.8Oklahoma: 10.2Iowa: 10.6Missouri: 10.3Wisconsin: 10.9Illinois: 13.7Kentucky: 10.7Arkansas: 10.3Tennessee: 8.2West Virginia: 9.3Indiana: 9.6Alaska: 9.5Hawaii: 11.4

Small states, hard to see on the map:

  • Lowest: 8.2 to 10 %
  • Group 2: 10 to 10.7 %
  • Group 3: 10.7 to 11.7 %
  • Group 4: 11.7 to 14.1 %
  • Highest: 14.1 to 18.1 %
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.

1New Jersey18.1
2New York17.3
3Massachusetts16.9
4Florida16.2
5Vermont16
6District of Columbia15.3
7Connecticut15.2
8California15.1
9New Hampshire14.3
10Rhode Island14.2
11Oregon14.1
12Illinois13.7
13Maine13
14Louisiana12.5
15Maryland12.3
15Montana12.3
17Colorado12.2
18Michigan12
18Texas12
20Delaware11.9
21Pennsylvania11.7
22Hawaii11.4
22Washington11.4
24Ohio11.2
25South Carolina11.1
26Mississippi11
27Wisconsin10.9
28Kansas10.8
28Minnesota10.8
30Kentucky10.7
30Nevada10.7
30New Mexico10.7
30North Carolina10.7
34Iowa10.6
35Arkansas10.3
35Missouri10.3
37Oklahoma10.2
37Wyoming10.2
39Alabama10.1
39Virginia10.1
41Georgia10
42Idaho9.7
42Nebraska9.7
44Indiana9.6
45Alaska9.5
46Arizona9.4
46Utah9.4
48South Dakota9.3
48West Virginia9.3
50North Dakota8.6
51Tennessee8.2

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 without 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-without-a-mortgage-paying-35-pct-plus-of-income/

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