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 FHFA House Price Index, one-year change in the annual index

2.47%

percent 2025

Data from Federal Housing Finance Agency, House Price Index (all-transactions)

United States in 2025

2.85%

Change, 2024 to 2025

−1.99 percentage points

Changes over time

FHFA House Price Index, one-year change in the annual index in Alabama fell 44.62% from 2024

percent · 1976 to 2025

Source: Federal Housing Finance Agency, House Price Index (all-transactions) American Default Research · americandefault.org/affordability/owner-housing-costs/
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FHFA House Price Index, one-year change in the annual index by state

2025 · percent

−0.53%–2.16%2.17%–2.8%2.92%–3.61%3.65%–4.66%4.73%–6.16%

FHFA House Price Index, one-year change in the annual index · 2025

Source: Federal Housing Finance Agency, House Price Index (all-transactions) American Default Research · americandefault.org/affordability/owner-housing-costs/
States, ranked, 2025
Place%
New Jersey6.16
Connecticut6.09
New York6
Illinois5.7
Wisconsin5.44
Rhode Island5.4
North Dakota5.13
Ohio4.78
Michigan4.74
Pennsylvania4.74
Maine4.73
New Hampshire4.66
Indiana4.34
West Virginia4.14
Wyoming4.13
Alaska4.09
Kansas4.05
Kentucky3.94
Missouri3.73
Virginia3.72
Massachusetts3.65
Vermont3.61
South Carolina3.55
Mississippi3.53
Arkansas3.4
Nebraska3.3
Iowa3.22
Delaware3.16
South Dakota3.11
New Mexico3.07
Hawaii2.92
Minnesota2.8
Maryland2.65
Oklahoma2.59
North Carolina2.5
Alabama2.47
Utah2.42
Tennessee2.37
Idaho2.34
Montana2.31
Nevada2.17
Georgia2.16
Washington1.84
Louisiana1.79
Arizona0.94
Oregon0.93
Texas0.8
California0.75
District of Columbia0.4
Colorado0.13
Florida−0.53

Source: Federal Housing Finance Agency, House Price Index (all-transactions)

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

Available history

FHFA House Price Index, one-year change in the annual index
Data periodAlabama (%)United States (%)
20252.472.85
20244.464.89
20237.095.71
202215.915.49
202110.7611.61
20204.123
20194.624.15
20184.375.7
20173.185.39
20162.675.33
20152.344.43
20141.36.17
2013−0.563.44
2012−1.51−1.76
2011−3.4−4.43
2010−4.39−5.08
2009−2.3−7.47
20080.86−4.51
20074.110.59
20067.96.58
20056.8812.36
20043.329.17
20032.334.53
20022.175.39
20014.196.73
20003.248.35
19992.514.32
19983.813.73
19973.763.84
19963.363.2
19954.213.72
19943.381.76
19933.29−0.25
19922.730.37
19912.450.88
19901.612.61
19891.778.74
19882.548.54
19874.136.7
19864.946.53
19852.45.53
19846.36.42
19835.194.26
1982−0.34−1.44
19813.255.9
19805.019.77
197911.1813.9
19787.9516.11
197710.0316.07
19768.728.14

Source: Federal Housing Finance Agency, House Price Index (all-transactions)Download data (CSV)

Sources and method

Federal Housing Finance Agency, House Price Index (all-transactions) supplies the figures shown.

U.S. Census Bureau 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.

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.