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.
United States Median costs as a share of income · owners with a mortgage
21%
percent of household income 2020–2024
Choose another place under “Refine this comparison” to compare the same data.
Change, 2019–2023 to 2020–2024
+0.1 percentage points
The Census estimate covers 2020–2024. Adjacent five-year estimates overlap.
Changes over time
United States: Median costs as a share of income · owners with a mortgage
percent of household income · 2005–2009 to 2020–2024
Compare places on a map
Median costs as a share of income · owners with a mortgage by state
2020–2024 · percent of household income
Median costs as a share of income · owners with a mortgage · 2020–2024
| Place | % |
|---|---|
| Hawaii | 25.7 |
| California | 24.8 |
| Florida | 23.6 |
| New Jersey | 22.9 |
| New York | 22.5 |
| Oregon | 22.4 |
| Nevada | 22.3 |
| Washington | 22.2 |
| Colorado | 22.1 |
| Rhode Island | 22.1 |
| Massachusetts | 21.9 |
| Montana | 21.9 |
| New Hampshire | 21.9 |
| Connecticut | 21.8 |
| Texas | 21.7 |
| Vermont | 21.7 |
| Alaska | 21.6 |
| Wyoming | 21 |
| Idaho | 20.7 |
| Illinois | 20.6 |
| Maine | 20.6 |
| New Mexico | 20.6 |
| Arizona | 20.5 |
| Maryland | 20.5 |
| Utah | 20.5 |
| District of Columbia | 20.4 |
| Louisiana | 20.4 |
| South Dakota | 20.4 |
| Virginia | 20.1 |
| Delaware | 20 |
| Georgia | 20 |
| Mississippi | 19.8 |
| Minnesota | 19.7 |
| South Carolina | 19.7 |
| Oklahoma | 19.6 |
| Tennessee | 19.6 |
| Nebraska | 19.5 |
| Wisconsin | 19.5 |
| Kansas | 19.4 |
| North Carolina | 19.4 |
| North Dakota | 19.4 |
| Pennsylvania | 19.4 |
| Michigan | 19.3 |
| Alabama | 19 |
| Missouri | 19 |
| Kentucky | 18.8 |
| Iowa | 18.7 |
| Ohio | 18.6 |
| Arkansas | 18.5 |
| Indiana | 18.1 |
| West Virginia | 17.3 |
Source: U.S. Census Bureau, American Community Survey
Available history
| Data period | United States (%) |
|---|---|
| 2020–2024 | 21 |
| 2019–2023 | 20.9 |
| 2018–2022 | 20.9 |
| 2017–2021 | 20.9 |
| 2016–2020 | 21.1 |
| 2015–2019 | 21.3 |
| 2014–2018 | 21.6 |
| 2013–2017 | 22 |
| 2012–2016 | 22.5 |
| 2011–2015 | 23.1 |
| 2010–2014 | 23.7 |
| 2009–2013 | 24.2 |
| 2008–2012 | 24.7 |
| 2007–2011 | 25 |
| 2006–2010 | 25 |
| 2005–2009 | 24.8 |
Source: U.S. Census Bureau, American Community SurveyDownload data (CSV)
Sources and method
U.S. Census Bureau, American Community Survey 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 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.