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.
National value: 59 (United States).
Small states, hard to see on the map:
- 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 %
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/