50 states + DC
Mortgage data by state
Nationally, the median 2025 home buyer borrowed $335,000 with a household income of $116,000, putting about 10% down. See how each state compares — click a column to sort.
| State | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA share |
|---|---|---|---|---|---|---|---|---|
| Alabama | 46,992 | $265,000 | $94,000 | 5.0% | 6.562% | $4,370 | 9.1% | 30.2% |
| Alaska | 6,758 | $375,000 | $122,000 | 5.0% | 6.500% | $5,740 | 5.7% | 17.6% |
| Arizona | 75,431 | $385,000 | $113,000 | 7.8% | 6.500% | $6,470 | 8.2% | 27.9% |
| Arkansas | 27,719 | $245,000 | $93,000 | 5.0% | 6.625% | $3,850 | 8.5% | 26.5% |
| California | 205,767 | $575,000 | $175,000 | 20.0% | 6.625% | $7,920 | 8.9% | 18.7% |
| Colorado | 66,151 | $455,000 | $136,000 | 11.4% | 6.500% | $4,630 | 6.3% | 18.6% |
| Connecticut | 28,143 | $355,000 | $125,000 | 15.0% | 6.625% | $5,920 | 7.5% | 13.3% |
| Delaware | 10,712 | $345,000 | $107,000 | 10.0% | 6.625% | $6,050 | 8.5% | 22.2% |
| District of Columbia | 4,713 | $565,000 | $185,000 | 20.0% | 6.500% | $7,170 | 7.4% | 6.3% |
| Florida | 225,732 | $345,000 | $115,000 | 5.6% | 6.625% | $6,760 | 12.8% | 29.0% |
| Georgia | 103,247 | $325,000 | $110,000 | 5.0% | 6.624% | $6,350 | 9.9% | 27.7% |
| Hawaii | 7,576 | $585,000 | $157,000 | 15.8% | 6.500% | $9,790 | 10.1% | 7.4% |
| Idaho | 22,309 | $385,000 | $112,000 | 10.0% | 6.500% | $7,270 | 4.9% | 22.0% |
| Illinois | 104,450 | $275,000 | $108,000 | 10.0% | 6.625% | $6,090 | 9.2% | 14.3% |
| Indiana | 72,884 | $245,000 | $90,000 | 5.0% | 6.625% | $3,350 | 7.4% | 21.3% |
| Iowa | 32,306 | $215,000 | $89,000 | 7.8% | 6.375% | $2,380 | 6.3% | 12.9% |
| Kansas | 27,196 | $255,000 | $100,000 | 6.7% | 6.625% | $3,290 | 6.6% | 16.2% |
| Kentucky | 39,162 | $245,000 | $91,000 | 5.4% | 6.625% | $4,000 | 8.2% | 22.6% |
| Louisiana | 31,328 | $245,000 | $94,000 | 3.5% | 6.625% | $4,900 | 10.2% | 32.2% |
| Maine | 11,664 | $325,000 | $114,000 | 13.0% | 6.625% | $4,300 | 8.3% | 15.2% |
| Maryland | 54,211 | $405,000 | $130,000 | 5.0% | 6.625% | $6,150 | 8.6% | 21.8% |
| Massachusetts | 49,761 | $495,000 | $154,000 | 20.0% | 6.575% | $5,240 | 6.3% | 11.0% |
| Michigan | 86,675 | $245,000 | $94,000 | 10.0% | 6.625% | $4,140 | 7.8% | 14.7% |
| Minnesota | 57,388 | $305,000 | $107,000 | 10.0% | 6.625% | $5,100 | 5.2% | 11.6% |
| Mississippi | 20,213 | $245,000 | $90,000 | 3.5% | 6.625% | $4,460 | 11.3% | 33.3% |
| Missouri | 62,270 | $245,000 | $93,000 | 5.0% | 6.625% | $3,710 | 6.5% | 18.7% |
| Montana | 8,734 | $365,000 | $116,000 | 14.5% | 6.625% | $6,560 | 7.7% | 16.8% |
| Nebraska | 19,371 | $255,000 | $101,000 | 8.1% | 6.624% | $3,100 | 5.9% | 16.7% |
| Nevada | 30,435 | $405,000 | $119,000 | 8.5% | 6.500% | $6,150 | 8.7% | 26.5% |
| New Hampshire | 11,883 | $405,000 | $140,000 | 20.0% | 6.625% | $4,470 | 6.6% | 10.4% |
| New Jersey | 63,821 | $455,000 | $155,000 | 20.0% | 6.625% | $6,720 | 8.4% | 14.9% |
| New Mexico | 15,835 | $305,000 | $105,000 | 5.0% | 6.625% | $5,210 | 8.3% | 27.5% |
| New York | 96,644 | $375,000 | $141,000 | 20.0% | 6.500% | $5,990 | 9.5% | 10.6% |
| North Carolina | 115,390 | $325,000 | $111,000 | 10.0% | 6.500% | $4,840 | 7.6% | 17.3% |
| North Dakota | 6,802 | $275,000 | $103,000 | 5.4% | 6.375% | $4,880 | 4.5% | 18.5% |
| Ohio | 109,912 | $245,000 | $94,000 | 8.4% | 6.625% | $4,610 | 7.1% | 18.8% |
| Oklahoma | 35,471 | $235,000 | $93,000 | 5.0% | 6.625% | $4,880 | 7.6% | 29.9% |
| Oregon | 34,809 | $415,000 | $126,000 | 13.0% | 6.625% | $6,490 | 5.7% | 18.2% |
| Pennsylvania | 98,782 | $275,000 | $104,000 | 10.0% | 6.625% | $5,880 | 6.7% | 16.4% |
| Rhode Island | 8,152 | $415,000 | $128,000 | 10.0% | 6.625% | $5,000 | 6.6% | 21.6% |
| South Carolina | 66,521 | $295,000 | $101,000 | 7.5% | 6.624% | $5,190 | 8.8% | 24.6% |
| South Dakota | 8,133 | $285,000 | $100,000 | 7.0% | 6.490% | $4,750 | 6.9% | 20.7% |
| Tennessee | 70,511 | $325,000 | $106,000 | 10.0% | 6.624% | $5,320 | 7.7% | 22.4% |
| Texas | 292,354 | $315,000 | $118,000 | 5.0% | 6.500% | $6,860 | 10.2% | 32.1% |
| Utah | 35,638 | $435,000 | $120,000 | 10.0% | 6.500% | $6,400 | 6.5% | 24.7% |
| Vermont | 4,479 | $325,000 | $121,000 | 20.0% | 6.500% | $4,860 | 6.9% | 8.0% |
| Virginia | 86,602 | $385,000 | $126,000 | 10.0% | 6.625% | $5,610 | 6.9% | 16.2% |
| Washington | 68,076 | $495,000 | $148,000 | 15.4% | 6.625% | $6,530 | 5.9% | 14.4% |
| West Virginia | 13,099 | $225,000 | $90,000 | 5.0% | 6.624% | $4,280 | 9.4% | 25.2% |
| Wisconsin | 52,304 | $275,000 | $104,000 | 11.5% | 6.625% | $3,230 | 6.2% | 8.6% |
| Wyoming | 5,438 | $315,000 | $104,000 | 5.0% | 6.624% | $5,620 | 6.7% | 27.9% |
| United States | 2,839,954 | $335,000 | $116,000 | 10.0% | 6.625% | $5,570 | 8.5% | 21.1% |
Owner-occupied single-family (1–4 unit) site-built homes, first-lien closed-end purchase loans. Loan costs and rates: conventional loans. Down payment = 100% minus the median combined loan-to-value ratio.