50. Connecticut
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.
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Learn More49. New Hampshire
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 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.
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Get Started47. New Jersey
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
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
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
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
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
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
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, 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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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