The cost of owning a home

Existing owners face a different housing bill depending on whether they have a mortgage. Census estimates include selected housing costs, rather than the price of buying a home today.

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Alabama Owners with a mortgage paying 30 percent or more of income on housing costs (five-year estimate)

23.73%

percent 2020–2024

Data from American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091

United States in 2020–2024

28.1%

Change, 2019–2023 to 2020–2024

+0.55 percentage points

The Census estimate covers 2020–2024. Adjacent five-year estimates overlap.

Changes over time

Alabama: Owners with a mortgage paying 30 percent or more of income on housing costs (five-year estimate)

percent · 2005–2009 to 2020–2024

Source: American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091 American Default Research · americandefault.org/affordability/owner-housing-costs/
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Owners with a mortgage paying 30 percent or more of income on housing costs (five-year estimate) by state

2020–2024 · percent

19.54%–22.47%22.59%–25.09%25.19%–26.99%27.47%–29.63%29.79%–40.38%

Owners with a mortgage paying 30 percent or more of income on housing costs (five-year estimate) · 2020–2024

Source: American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091 American Default Research · americandefault.org/affordability/owner-housing-costs/
States, ranked, 2020–2024
Place%
Hawaii40.38
California38.25
Florida35.19
New York33.25
New Jersey32.29
Nevada31.42
Rhode Island30.79
Oregon30.67
Massachusetts30.12
Colorado29.96
Connecticut29.79
Washington29.63
Montana29.56
Texas28.96
Alaska28.92
New Mexico28.64
Vermont28.61
Louisiana27.96
New Hampshire27.91
Arizona27.5
Idaho27.47
Maine26.99
Maryland26.73
Illinois26.62
Wyoming26.45
Mississippi26.39
Georgia26.28
Delaware25.85
South Carolina25.54
Utah25.2
District of Columbia25.19
Virginia25.09
Tennessee24.64
North Carolina24.54
Oklahoma24.42
Alabama23.73
Pennsylvania23.71
Michigan23.4
South Dakota23.28
Minnesota23.23
Kentucky22.59
Wisconsin22.47
Arkansas22.44
Nebraska22.24
Kansas22.23
Missouri21.93
Ohio21.16
North Dakota20.8
Iowa20.33
Indiana20.22
West Virginia19.54

Source: American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091

Download every state, metro area and county, ranked (CSV)

Available history

Owners with a mortgage paying 30 percent or more of income on housing costs (five-year estimate)
Data periodAlabama (%)United States (%)
2020–202423.7328.1
2019–202323.1827.51
2018–202222.9427.3
2017–202122.9227.21
2016–202023.3327.38
2015–201923.8727.81
2014–201824.9428.67
2013–201725.5329.48
2012–201626.5330.78
2011–201527.9132.49
2010–201429.4134.21
2009–201329.6135.58
2008–201230.0636.78
2007–201130.2837.52
2006–201029.7537.57
2005–200928.6536.88

Source: American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091Download data (CSV)

Sources and method

American Default Research calculation from U.S. Census Bureau, American Community Survey table B25091 supplies the figures shown.

Census selected monthly owner costs include mortgage payments where applicable, property tax, insurance, utilities and fuel. Owners with and without a mortgage are reported separately.

About these figures

ACS five-year estimates pool five years of responses. Adjacent estimates overlap and should not be read as single-year price changes.

Place comparisons use the same data period. An older common period is named beside the comparison. A missing or withheld value is never changed to zero.

90% margin of error for Alabama, 2020–2024: ±0.4 percentage points.

90% margin of error for United States, 2020–2024: ±0.1 percentage points.

The CSV includes the original source notes, annotations and estimate margins where supplied. Original source data remain subject to their publishers’ terms.

We write with AI tools. Every figure comes from the data and sources named on this page, and automated checks compare it with them before it's published.