Home / Rankings / Highest Monthly Payments States with the Highest Monthly Mortgage Payments (2026) In the most expensive states, monthly mortgage payments on a median-priced home can exceed $5,000 when you add taxes and insurance. These high-payment states require significantly higher incomes to qualify, larger down payments to keep costs manageable, and leave less room in your budget for everything else. Here are the states where monthly payments hit hardest.
1
Hawaii Median: $830K Tax: 0.28% Insurance: $1,200/yr
$830,000
Median Home Price
2
California Median: $785K Tax: 0.73% Insurance: $2,200/yr
$785,000
Median Home Price
3
$595,000
Median Home Price
4
Washington Median: $580K Tax: 0.98% Insurance: $1,600/yr
$580,000
Median Home Price
5
Colorado Median: $520K Tax: 0.51% Insurance: $3,200/yr
$520,000
Median Home Price
6
New Jersey Median: $505K Tax: 2.47% Insurance: $1,500/yr
$505,000
Median Home Price
7
Oregon Median: $480K Tax: 0.93% Insurance: $1,400/yr
$480,000
Median Home Price
8
Utah Median: $480K Tax: 0.58% Insurance: $1,200/yr
$480,000
Median Home Price
9
Montana Median: $430K Tax: 0.74% Insurance: $2,100/yr
$430,000
Median Home Price
10
$430,000
Median Home Price
11
New York Median: $430K Tax: 1.72% Insurance: $2,100/yr
$430,000
Median Home Price
12
Nevada Median: $425K Tax: 0.53% Insurance: $1,700/yr
$425,000
Median Home Price
13
$425,000
Median Home Price
14
Idaho Median: $420K Tax: 0.63% Insurance: $1,600/yr
$420,000
Median Home Price
15
Maryland Median: $420K Tax: 1.09% Insurance: $1,700/yr
$420,000
Median Home Price
16
$405,000
Median Home Price
17
Virginia Median: $400K Tax: 0.82% Insurance: $1,700/yr
$400,000
Median Home Price
18
Florida Median: $395K Tax: 0.86% Insurance: $4,200/yr
$395,000
Median Home Price
19
Arizona Median: $380K Tax: 0.62% Insurance: $2,100/yr
$380,000
Median Home Price
20
Vermont Median: $380K Tax: 1.9% Insurance: $1,100/yr
$380,000
Median Home Price
21
Delaware Median: $355K Tax: 0.56% Insurance: $1,300/yr
$355,000
Median Home Price
22
Alaska Median: $350K Tax: 1.19% Insurance: $1,400/yr
$350,000
Median Home Price
23
Maine Median: $350K Tax: 1.3% Insurance: $1,300/yr
$350,000
Median Home Price
24
Georgia Median: $340K Tax: 0.92% Insurance: $2,200/yr
$340,000
Median Home Price
25
$340,000
Median Home Price
26
Tennessee Median: $340K Tax: 0.56% Insurance: $2,400/yr
$340,000
Median Home Price
27
Wyoming Median: $340K Tax: 0.61% Insurance: $1,800/yr
$340,000
Median Home Price
28
Minnesota Median: $335K Tax: 1.12% Insurance: $2,100/yr
$335,000
Median Home Price
29
Texas Median: $310K Tax: 1.8% Insurance: $3,800/yr
$310,000
Median Home Price
30
$305,000
Median Home Price
31
$295,000
Median Home Price
32
New Mexico Median: $280K Tax: 0.8% Insurance: $1,900/yr
$280,000
Median Home Price
33
$280,000
Median Home Price
34
Wisconsin Median: $280K Tax: 1.76% Insurance: $1,300/yr
$280,000
Median Home Price
35
Illinois Median: $270K Tax: 2.07% Insurance: $1,900/yr
$270,000
Median Home Price
36
$255,000
Median Home Price
37
Nebraska Median: $245K Tax: 1.73% Insurance: $2,800/yr
$245,000
Median Home Price
38
Indiana Median: $240K Tax: 0.84% Insurance: $1,700/yr
$240,000
Median Home Price
39
Michigan Median: $240K Tax: 1.54% Insurance: $1,800/yr
$240,000
Median Home Price
40
Missouri Median: $235K Tax: 0.97% Insurance: $2,200/yr
$235,000
Median Home Price
41
Alabama Median: $230K Tax: 0.41% Insurance: $1,950/yr
$230,000
Median Home Price
42
Kansas Median: $225K Tax: 1.41% Insurance: $2,900/yr
$225,000
Median Home Price
43
Ohio Median: $215K Tax: 1.56% Insurance: $1,400/yr
$215,000
Median Home Price
44
Iowa Median: $210K Tax: 1.52% Insurance: $1,800/yr
$210,000
Median Home Price
45
Kentucky Median: $210K Tax: 0.83% Insurance: $2,400/yr
$210,000
Median Home Price
46
Oklahoma Median: $210K Tax: 0.88% Insurance: $3,600/yr
$210,000
Median Home Price
47
Arkansas Median: $195K Tax: 0.62% Insurance: $2,500/yr
$195,000
Median Home Price
48
Louisiana Median: $195K Tax: 0.55% Insurance: $3,500/yr
$195,000
Median Home Price
49
$175,000
Median Home Price
50
$155,000
Median Home Price
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