50. Connecticut

Hartford, Connecticut, USA downtown skyline.
Sean Pavone / Shutterstock
Hartford, Connecticut.

In the Constitution State, mortgage payments consume just 12.8% of the average homeowner's household income. House payments are most affordable in Connecticut, LendingTree says.

  • Average monthly mortgage payment: $1,209.
  • Average monthly household income: $9,456.

49. New Hampshire

Portsmouth, New Hampshire, USA townscape.
Sean Pavone / Shutterstock
Portsmouth, New Hampshire

In the Granite State, 13.3% of the typical homeowner's household income goes toward mortgage payments.

  • Average monthly mortgage payment: $1,140.
  • Average monthly household income: $8,595.

48. Minnesota

Downtown of Minneapolis.Minnesota
gmstockstudio / Shutterstock
Downtown Minneapolis

In the North Star State, mortgage payments soak up 13.6% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,083.
  • Average monthly household income: $7,963.

47. New Jersey

Newark, New Jersey, USA skyline on the Passaic River.
Sean Pavone / Shutterstock
Newark, New Jersey

In the Garden State, 13.9% of household income for the average homeowner is spent on mortgage payments.

  • Average monthly mortgage payment: $1,367.
  • Average monthly household income: $9,859.

New Jersey's typical mortgage payment is the sixth-highest in the country. With mortgage rates hitting record lows, it's a smart time for homeowners to refinance and cut their monthly payments.

46. Alaska

Anchorage Alaska skyline in winter at dusk with the Chugach mountains behind.
Rex Lisman / Shutterstock
Anchorage, Alaska

In the Last Frontier, mortgage payments eat up 13.9% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,201.
  • Average monthly household income: $8,617.

45. Maryland

Annapolis, Maryland, USA town skyline at Chesapeake Bay with the United States Naval Academy Chapel dome.
Sean Pavone / Shutterstock
Annapolis, Maryland

In the Old Line State, 14.0% of the average homeowner's household income goes toward paying a mortgage.

  • Average monthly mortgage payment: $1,351.
  • Average monthly household income: $9,648.

44. Illinois

Chicago, Illinois, USA park and skyline.
Sean Pavone / Shutterstock
Chicago

In the Prairie State, mortgage payments absorb 14.6% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,130.
  • Average monthly household income: $7,766.

43. Iowa

Des Moines Iowa At SunSet, Aerial Image
Scruggelgreen / Shutterstock
Des Moines, Iowa

In the Hawkeye State, mortgage payments take 14.6% of household income from the average homeowner.

  • Average monthly mortgage payment: $970.
  • Average monthly household income: $6,622.

42. North Dakota

Sunrise over Theodore Roosevelt National Park, North Dakota
ZakZeinert / Shutterstock
Theodore Roosevelt National Park, North Dakota

In the Peace Garden State, 14.7% of the average homeowner's household income goes to mortgage payments.

  • Average monthly mortgage payment: $1,052.
  • Average monthly household income: $7,157.

41. Nebraska

Fall Color Orange Tree Leaves Nebraska State Capital Lincoln
Real Window Creative / Shutterstock
Lincoln, Nebraska

In the Cornhusker State, mortgage payments take 15.0% of household income from the typical homeowner.

  • Average monthly mortgage payment: $1,014.
  • Average monthly household income: $6,767.

40. Pennsylvania

Pittsburgh, Pennsylvania, USA downtown skyline and incline.
Sean Pavone / Shutterstock
Downtown Pittsburgh.

In the Keystone State, the typical homeowner spends 15.0% of household income on mortgage payments.

  • Average monthly mortgage payment: $1,071.
  • Average monthly household income: $7,131.

39. Massachusetts

Worcester, Massachusetts, USA downtown skyline.
Sean Pavone / Shutterstock
Worcester, Massachusetts

In the Bay State, mortgage payments consume 15.0% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,442.
  • Average monthly household income: $9,586.

Massachusetts' typical house payment is the fifth-highest in the U.S. If you live here and haven't refinanced into one of today's super-low mortgage rates, you're missing out on a chance to lower your monthly cost

38. Virginia

Richmond, Virginia, USA downtown skyline.
Sean Pavone / Shutterstock
Downtown Richmond, Virginia

In the Old Dominion State, homeowners typically spend 15.2% of their household income on mortgage payments.

  • Average monthly mortgage payment: $1,334.
  • Average monthly household income: $8,764.

37. Delaware

View of downtown Lewes Deleware from bridge with canal
Dana Dagle Photography / Shutterstock
Lewes, Delaware

In the First State, mortgage payments take 15.3% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,121.
  • Average monthly household income: $7,347.

36. Rhode Island

Sunset at Castle Hill Lighthouse on Newport, Rhode Island 1
Jim Schubert / Shutterstock
Newport, Rhode Island

In the Ocean State, the average homeowner uses 15.4% of household income to pay a mortgage.

  • Average monthly mortgage payment: $1,118.
  • Average monthly household income: $7,280.

35. Michigan

Aerial view of downtown Detroit at twilight in Michigan USA
f11photo / Shutterstock
Downtown Detroit

In the Great Lakes State, mortgage payments eat up 15.4% of the typical homeowner's household income.

  • Average monthly mortgage payment: $1,031.
  • Average monthly household income: $6,695.

34. Indiana

Downtown Indianapolis skyline at twilight
f11photo / Shutterstock
Downtown Indianapolis

In the Hoosier State, 15.4% of average household income for homeowners goes to mortgage payments.

  • Average monthly mortgage payment: $980.
  • Average monthly household income: $6,355.

33. Vermont

Montpelier, Vermont, USA town skyline.
Sean Pavone / Shutterstock
Montpelier, Vermont

In the Green Mountain State, mortgage payments siphon off 15.5% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,070.
  • Average monthly household income: $6,916.

32. Wisconsin

Milwaukee, Wisconsin, USA downtown city skyline on Lake Michigan at twilight.
Sean Pavone / Shutterstock
Milwaukee skyline

In the Badger State, the average homeowner spends 15.5% of household income on mortgage payments.

  • Average monthly mortgage payment: $1,054.
  • Average monthly household income: $6,797.

31. Texas

Downtown Skyline of Austin, Texas in USA
f11photo / Shutterstock
Austin, Texas

In the Lone Star State, homeowners typically devote 15.6% of their household income toward mortgage payments.

  • Average monthly mortgage payment: $1,137.
  • Average monthly household income: $7,282.

30. Georgia

Savannah, Georgia, USA riverfront promenade at sunrise.
Sean Pavone / Shutterstock
Savannah, Georgia

In the Peach State, mortgage payments take 15.7% of household income from the average homeowner.

  • Average monthly mortgage payment: $1,100.
  • Average monthly household income: $6,986.

29. Kansas

Wichita, Kansas, USA downtown skyline at dusk.
Sean Pavone / Shutterstock
Wichita, Kansas

In the Sunflower State, mortgage payments scoop up 15.8% from the average homeowner's household income.

  • Average monthly mortgage payment: $1,060.
  • Average monthly household income: $6,726.

28. Ohio

View of downtown Columbus Ohio Skyline at Sunset
f11photo / Shutterstock
Columbus, Ohio

In the Buckeye State, mortgage payments consume 15.8% of household income for the typical homeowner.

  • Average monthly mortgage payment: $1,023.
  • Average monthly household income: $6,467.

27. Missouri

st. louis arch
James Roblee / Shutterstock
St. Louis

In the Show Me State, mortgage payments take 16.0% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,020.
  • Average monthly household income: $6,358.

26. Utah

Salt Lake City skyline Utah at night
f11photo / Shutterstock
Salt Lake City

In the Beehive State, mortgage payments suck up 16.2% of the typical homeowner's household income.

  • Average monthly mortgage payment: $1,261.
  • Average monthly household income: $7,777.

25. South Dakota

Panorama of Rapid City, South Dakota, USA
Sopotnicki / Shutterstock
Rapid City, South Dakota

In the Mount Rushmore State, homeowners typically use 16.3% of their household income to cover mortgage payments.

  • Average monthly mortgage payment: $1,042.
  • Average monthly household income: $6,386.

24. Arizona

Phoenix Arizona with its downtown lit by the last rays of sun at the dusk.
Dreamframer / Shutterstock

In the Grand Canyon State, the average homeowner spends 16.4% of household income on mortgage payments.

  • Average monthly mortgage payment: $1,116.
  • Average monthly household income: $6,795.

23. Colorado

Denver Colorado downtown with City Park
Andrew Zarivny / Shutterstock
Downtown Denver

In the Centennial State, mortgage payments soak up 16.5% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,342.
  • Average monthly household income: $8,116.

22. Oklahoma

Oklahoma City, Oklahoma, USA downtown skyline at twilight.
Sean Pavone / Shutterstock
Oklahoma City

In the Sooner State, 16.8% of the typical homeowner's household income is used to make mortgage payments.

  • Average monthly mortgage payment: $1,005.
  • Average monthly household income: $5,970.

21. Oregon

Eugene, Oregon, USA downtown cityscape at dusk.
Sean Pavone / Shutterstock
Eugene, Oregon

In the Beaver State, mortgage payments take 16.9% of household income from the typical homeowner.

  • Average monthly mortgage payment: $1,221.
  • Average monthly household income: $7,237.

20. Florida

South Beach, Miami Beach. Florida.
Mia2you / Shutterstock
Miami Beach, Florida

In the Sunshine State, the average homeowner devotes 17.0% of household income to making mortgage payments.

  • Average monthly mortgage payment: $1,124.
  • Average monthly household income: $6,612.

19. Maine

Portland lighthouse in the evening, Maine
Aeypix / Shutterstock
Portland, Maine, lighthouse

In the Pine Tree State, mortgage payments eat up 17.1% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,096.
  • Average monthly household income: $6,410.

18. Washington

View of downtown Seattle skyline in Seattle Washington, USA
f11photo / Shutterstock
Downtown Seattle

In the Evergreen State, 17.2% of the typical homeowner's household income goes to mortgage payments.

  • Average monthly mortgage payment: $1,459.
  • Average monthly household income: $8,469.

Washington's ranks No. 4 among the states with the highest monthly payments. Homeowners can refinance and slash those costs thanks to today's historically low mortgage rates.

17. Kentucky

Louisville, Kentucky, USA skyline on the river.
Sean Pavone / Shutterstock
Louisville, Kentucky

In the Bluegrass State, mortgage payments consume 17.3% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,003.
  • Average monthly household income: $5,786.

16. North Carolina

Asheville, North Carolina, USA at twilight.
Sean Pavone / Shutterstock
Asheville, North Carolina

In the Tar Heel State, the typical homeowner spends 17.4% of household income on mortgage payments.

  • Average monthly mortgage payment: $1,122.
  • Average monthly household income: $6,456.

15. Wyoming

Panoramic aerial view of Jackson Hole homes and beautiful mountains on a summer morning, Wyoming.
GagliardiPhotography / Shutterstock
Jackson Hole, Wyoming

In the Cowboy State, mortgage payments use up 17.4% of household income for the average homeowner.

  • Average monthly mortgage payment: $1,138.
  • Average monthly household income: $6,550.

14. South Carolina

Historical downtown area of  Charleston, South Carolina, USA at twilight.
f11photo / Shutterstock
Charleston, South Carolina

In the Palmetto State, the typical homeowner spends 17.7% of household income on mortgage payments.

  • Average monthly mortgage payment: $1,102.
  • Average monthly household income: $6,214.

13. Arkansas

Little Rock, Arkansas, USA skyline on the river at twilight.
Sean Pavone / Shutterstock
Little Rock, Arkansas

In the Natural State, mortgage payments soak up 17.8% of the average homeowner's household income.

  • Average monthly mortgage payment: $984.
  • Average monthly household income: $5,523.

12. Nevada

Las Vegas, Nevada, USA skyline over the strip at dusk.
Sean Pavone / Shutterstock
Las Vegas

In the Silver State, homeowners typically use 17.9% of their household income to make mortgage payments.

  • Average monthly mortgage payment: $1,191.
  • Average monthly household income: $6,656.

11. New Mexico

Santa Fe, New Mexico, USA downtown skyline at dusk.
Sean Pavone / Shutterstock
Santa Fe, New Mexico

In the Land of Enchantment, mortgage payments take 18.2% of household income from the average homeowner.

  • Average monthly mortgage payment: $1,060.
  • Average monthly household income: $5,840.

10. Montana

View of Missoula from Mount Sentinel, in Missoula, Montana.
Jon Bilous / Shutterstock
Missoula, Montana

In the Treasure State, 18.2% of the typical homeowner's household income goes to mortgage payments.

  • Average monthly mortgage payment: $1,135.
  • Average monthly household income: $6,234.

9. Alabama

Birmingham, Alabama, USA downtown city skyline.
Sean Pavone / Shutterstock
Birmingham, Alabama

In the Yellowhammer State, mortgage payments consume 18.2% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,060.
  • Average monthly household income: $5,810.

8. Louisiana

New Orleans, Louisiana, USA Downtown Skyline Aerial
Kevin Ruck / Shutterstock
New Orleans

In the Pelican State, homeowners typically devote 18.5% of their household income toward making mortgage payments.

  • Average monthly mortgage payment: $1,073.
  • Average monthly household income: $5,812.

7. California

Beautiful sunset of Los Angeles downtown skyline and palm trees
Marek Masik / Shutterstock
Los Angeles

In the Golden State, 18.5% of homeowners' average household income is spent on mortgage payments.

  • Average monthly mortgage payment: $1,696.
  • Average monthly household income: $9,165.

California has the nation's second-highest average payment, and New York ranks No. 3. Homeowners can chop their monthly housing costs by refinancing into a record-low mortgage rate.

6. Tennessee

Skyline of downtown Nashville, Tennessee, USA.
Sean Pavone / Shutterstock
Nashville, Tennessee

In the Volunteer State, homeowners typically must use 18.5% of their household income to make mortgage payments.

  • Average monthly mortgage payment: $1,147.
  • Average monthly household income: $6,187.

5. New York

New York City skyline with urban skyscrapers at sunset.
cocozero / Shutterstock
New York City

In the Empire State, mortgage payments wash away 18.6% of the average homeowner's household income.

  • Average monthly mortgage payment: $1,575.
  • Average monthly household income: $8,459.

4. West Virginia

Charleston, West Virginia, USA skyline at twilight.
Sean Pavone / Shutterstock
Charleston, West Virginia

In the Mountain State, homeowners are straining amid the coronavirus crisis because mortgage payments gobble up 18.7% of the typical homeowner's household income.

  • Average monthly mortgage payment: $989.
  • Average monthly household income: $5,287.

3. Idaho

Boise Idaho street leading to the capital building in fall
Charles Knowles / Shutterstock
Boise, Idaho

In the Gem State, mortgage payments eat away 18.7% of household income for the average homeowner.

  • Average monthly mortgage payment: $1,155.
  • Average monthly household income: $6,167.

2. Mississippi

Jackson, Mississippi, USA cityscape at dusk.
Sean Pavone / Shutterstock
Jackson, Mississippi

In the Magnolia State, the typical homeowner spends a sizable 18.7% of household income on mortgage payments.

  • Average monthly mortgage payment: $990.
  • Average monthly household income: $5,283.

1. Hawaii

Waikiki Beach and Diamond Head, Honolulu, Oahu Island, Hawaii
aines / Shutterstock
Honolulu

In the Aloha State, mortgage payments devour 19.6% of the average homeowner's household income, according to the LendingTree study. It's the state where mortgages are putting the most pressure on family budgets during the COVID-19 pandemic.

  • Average monthly mortgage payment: $1,780.
  • Average monthly household income: $9,084.

Hawaii also has the distinction of having the country's highest monthly payments. Homeowners can say aloha (meaning goodbye) to steep mortgage payments by shopping around for a refinance loan at a low rate.

About the Author

Doug Whiteman

Doug Whiteman

Editor-in-Chief

Doug Whiteman is the editor-in-chief of MoneyWise. He has been quoted by The Wall Street Journal, USA Today and CNBC.com and has been interviewed on Fox Business, CBS Radio and the syndicated TV show "First Business."

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