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Homes with a mortgage: U.S. states ranked (2025)

Measure: Homes with a mortgage. 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: 59 (United States).

Small states, hard to see on the map:

DC 73.5 %
RI 64.1 %
DE 61.8 %
CT 62.9 %
NJ 62.5 %
MD 69.4 %
MA 64.8 %
VT 56.6 %
NH 59.5 %

Lowest: 43.4 to 53.9 %
Group 2: 53.9 to 56.2 %
Group 3: 56.2 to 59.5 %
Group 4: 59.5 to 62.9 %
Highest: 62.9 to 73.5 %

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	District of Columbia	73.5
2	Maryland	69.4
3	Colorado	68.4
4	Utah	66.8
5	California	65.6
6	Virginia	65.2
7	Massachusetts	64.8
8	Nevada	64.1
8	Rhode Island	64.1
10	Washington	63.9
11	Connecticut	62.9
12	Minnesota	62.6
13	New Jersey	62.5
14	Oregon	62.2
15	Delaware	61.8
16	Georgia	61.5
17	Arizona	61.3
18	Indiana	61.1
19	Idaho	60.5
20	North Carolina	60.2
21	Illinois	59.5
21	New Hampshire	59.5
23	Hawaii	59.4
24	Ohio	58.7
24	Wisconsin	58.7
26	Missouri	58.6
27	Iowa	57.8
28	Nebraska	57.6
29	Michigan	56.6
29	Vermont	56.6
31	Alaska	56.2
31	South Carolina	56.2
33	Pennsylvania	56
34	Tennessee	55.9
35	Maine	55.8
36	New York	55.6
37	Wyoming	55.5
38	Kansas	55.3
38	Texas	55.3
40	Florida	54.7
41	Montana	53.9
42	Kentucky	53.8
43	Alabama	53.3
44	Arkansas	52.7
45	South Dakota	51.6
46	Oklahoma	51.4
47	North Dakota	51.1
48	Louisiana	50.9
49	New Mexico	50
50	Mississippi	47.3
51	West Virginia	43.4

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 (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/

Download source table CSV All rankings