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April 22, 2026

States where people spend the most and least on housing

WalletHub - With housing costs consuming up to 50% of the median income in some states, the personal-finance company WalletHub today released its report on the States Where People Spend the Most & Least on Housing to highlight where homeownership is least affordable for the average resident.

For this report, WalletHub analyzed mortgage and home energy payments across all 50 states. These costs were then combined and compared with each state’s median household income to determine where people spend the largest share of their income on housing.
 
Highest % of Income SpentLowest % of Income Spent
1. Hawaii (50.02%)41. Kentucky (20.34%) 
2. California (43.00%)42. Mississippi (20.13%) 
3. Massachusetts (33.67%)43. Arkansas (19.93%) 
4. Oregon (33.56%)44. Indiana (19.70%) 
5. Washington (32.97%)45. Illinois (19.70%) 
6. Colorado (32.58%)46. Ohio (19.68%) 
7. Nevada (32.36%)47. Nebraska (19.34%) 
8. Idaho (30.88%)48. Kansas (18.64%) 
9. Montana (30.47%)49. West Virginia (18.39%) 
10. New York (30.41%)50. Iowa (17.26%) 

Full report 

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