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Homes with a mortgage and high owner costs by state
Share of owner-occupied homes with a mortgage, contract to purchase or similar debt, median selected monthly owner costs with and without a mortgage, and the shares of owners spending 35% or more of household income on owner costs (with and without a mortgage) and of renters spending 35% or more on gross rent, as published (units where the ratio cannot be computed are excluded).
Click a column header to sort; the national total stays pinned at the top.
| United States | 59 | 23.6 | 12.5 | 42.4 | 2,163 | 703 |
|---|---|---|---|---|---|---|
| Alabama | 53.3 | 20.3 | 10.1 | 40.4 | 1,588 | 486 |
| Alaska | 56.2 | 20.4 | 9.5 | 32.6 | 2,291 | 709 |
| Arizona | 61.3 | 25 | 9.4 | 44.5 | 2,010 | 569 |
| Arkansas | 52.7 | 19.9 | 10.3 | 37.2 | 1,477 | 478 |
| California | 65.6 | 31.9 | 15.1 | 46.2 | 3,080 | 918 |
| Colorado | 68.4 | 26.4 | 12.2 | 41.9 | 2,623 | 766 |
| Connecticut | 62.9 | 23.8 | 15.2 | 45.3 | 2,580 | 1,126 |
| Delaware | 61.8 | 22.6 | 11.9 | 40.7 | 1,960 | 641 |
| District of Columbia | 73.5 | 19.9 | 15.3 | 39.2 | 3,256 | 922 |
| Florida | 54.7 | 30.9 | 16.2 | 50.8 | 2,265 | 797 |
| Georgia | 61.5 | 23.9 | 10 | 43 | 2,037 | 617 |
| Hawaii | 59.4 | 30.2 | 11.4 | 46 | 3,025 | 752 |
| Idaho | 60.5 | 20.8 | 9.7 | 40.2 | 1,914 | 511 |
| Illinois | 59.5 | 22.3 | 13.7 | 41.3 | 2,129 | 863 |
| Indiana | 61.1 | 18.1 | 9.6 | 39.2 | 1,577 | 572 |
| Iowa | 57.8 | 16.4 | 10.6 | 37.1 | 1,650 | 644 |
| Kansas | 55.3 | 18.4 | 10.8 | 34.2 | 1,818 | 715 |
| Kentucky | 53.8 | 18.6 | 10.7 | 37.9 | 1,564 | 510 |
| Louisiana | 50.9 | 22.8 | 12.5 | 43.5 | 1,708 | 496 |
| Maine | 55.8 | 21.1 | 13 | 39.2 | 1,957 | 700 |
| Maryland | 69.4 | 21.2 | 12.3 | 43 | 2,548 | 850 |
| Massachusetts | 64.8 | 25.1 | 16.9 | 42.5 | 2,884 | 1,154 |
| Michigan | 56.6 | 19.3 | 12 | 42.3 | 1,696 | 640 |
| Minnesota | 62.6 | 19 | 10.8 | 38.7 | 2,130 | 786 |
| Mississippi | 47.3 | 23.1 | 11 | 43.7 | 1,499 | 472 |
| Missouri | 58.6 | 18.2 | 10.3 | 36.1 | 1,676 | 598 |
| Montana | 53.9 | 24 | 12.3 | 37.7 | 1,984 | 630 |
| Nebraska | 57.6 | 17.6 | 9.7 | 35.4 | 1,916 | 721 |
| Nevada | 64.1 | 26.5 | 10.7 | 43.8 | 2,042 | 582 |
| New Hampshire | 59.5 | 21.6 | 14.3 | 38.1 | 2,492 | 1,073 |
| New Jersey | 62.5 | 25.4 | 18.1 | 43.8 | 2,970 | 1,294 |
| New Mexico | 50 | 22.7 | 10.7 | 39.7 | 1,654 | 454 |
| New York | 55.6 | 27.8 | 17.3 | 43.5 | 2,703 | 1,049 |
| North Carolina | 60.2 | 21.6 | 10.7 | 39.9 | 1,864 | 563 |
| North Dakota | 51.1 | 13.5 | 8.6 | 25.2 | 1,836 | 605 |
| Ohio | 58.7 | 18.5 | 11.2 | 39 | 1,672 | 658 |
| Oklahoma | 51.4 | 20.5 | 10.2 | 36.8 | 1,709 | 563 |
| Oregon | 62.2 | 25.7 | 14.1 | 43.6 | 2,343 | 761 |
| Pennsylvania | 56 | 19.1 | 11.7 | 39.6 | 1,879 | 687 |
| Rhode Island | 64.1 | 27 | 14.2 | 38.8 | 2,481 | 960 |
| South Carolina | 56.2 | 21.5 | 11.1 | 43 | 1,736 | 496 |
| South Dakota | 51.6 | 17.1 | 9.3 | 35.5 | 1,853 | 667 |
| Tennessee | 55.9 | 20.1 | 8.2 | 40.3 | 1,749 | 503 |
| Texas | 55.3 | 24.6 | 12 | 42 | 2,345 | 729 |
| Utah | 66.8 | 22.5 | 9.4 | 39.9 | 2,283 | 610 |
| Vermont | 56.6 | 21.4 | 16 | 39.3 | 2,044 | 871 |
| Virginia | 65.2 | 20.6 | 10.1 | 40.7 | 2,277 | 663 |
| Washington | 63.9 | 24.8 | 11.4 | 41.2 | 2,715 | 845 |
| West Virginia | 43.4 | 17.8 | 9.3 | 40.6 | 1,375 | 439 |
| Wisconsin | 58.7 | 17.9 | 10.9 | 36.8 | 1,787 | 686 |
| Wyoming | 55.5 | 25.2 | 10.2 | 30.3 | 1,896 | 586 |
Source: U.S. Census Bureau, American Community Survey 1-year estimates, Table DP04: Selected Housing Characteristics. Reference period: 2025.
Cite this table
Homes with a mortgage and high owner costs by state (United States, 2025). Data: U.S. Census Bureau, American Community Survey, ACS 1-year estimates, Table DP04. Retrieved 2026-11-04 via Quadranac, https://quadranac.com/tables/us-mortgage-status/