Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in America
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Top 100
| # | County | State | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|---|
| 1 | Oglala Lakota County | SD | $540 | $45,600 | 0.436% |
| 2 | McDowell County | WV | $583 | $49,200 | 0.565% |
| 3 | Todd County | SD | $604 | $45,200 | 2.226% |
| 4 | Cottle County | TX | $664 | $54,100 | 1.152% |
| 5 | Alexander County | IL | $667 | $58,700 | 1.646% |
| 6 | Stewart County | GA | $668 | $53,000 | 1.711% |
| 7 | Breathitt County | KY | $670 | $61,800 | 0.843% |
| 8 | Stonewall County | TX | $678 | $54,700 | 1.360% |
| 9 | Allendale County | SC | $685 | $61,600 | 0.880% |
| 10 | Wolfe County | KY | $690 | $66,400 | 0.589% |
| 11 | Hudspeth County | TX | $691 | $57,400 | 1.179% |
| 12 | Cochran County | TX | $693 | $57,700 | 1.185% |
| 13 | Chautauqua County | KS | $714 | $63,300 | 1.599% |
| 14 | Elk County | KS | $714 | $60,900 | 1.989% |
| 15 | Apache County | AZ | $718 | $68,500 | 0.838% |
| 16 | Mellette County | SD | $719 | $63,000 | 1.529% |
| 17 | Kusilvak Census Area | AK | $719 | $72,700 | 0.274% |
| 18 | Comanche County | KS | $720 | $59,900 | 2.285% |
| 19 | Jewell County | KS | $723 | $62,100 | 1.968% |
| 20 | Letcher County | KY | $740 | $70,500 | 0.932% |
| 21 | Leslie County | KY | $753 | $74,100 | 0.718% |
| 22 | Willacy County | TX | $755 | $60,800 | 1.914% |
| 23 | Knott County | KY | $757 | $74,600 | 0.718% |
| 24 | Quay County | NM | $759 | $82,200 | 0.617% |
| 25 | Dickens County | TX | $760 | $65,000 | 1.366% |
| 26 | Harlan County | KY | $762 | $73,100 | 0.988% |
| 27 | McKinley County | NM | $763 | $72,100 | 1.889% |
| 28 | Marlboro County | SC | $766 | $74,500 | 0.638% |
| 29 | Stanton County | KS | $768 | $64,200 | 2.470% |
| 30 | Lafayette County | AR | $769 | $74,600 | 0.566% |
| 31 | Edwards County | KS | $772 | $70,500 | 1.593% |
| 32 | Harding County | NM | $772 | $86,500 | 0.379% |
| 33 | McCreary County | KY | $775 | $77,000 | 0.734% |
| 34 | Wilcox County | GA | $776 | $71,200 | 1.058% |
| 35 | Tillman County | OK | $776 | $71,900 | 0.663% |
| 36 | Webster County | WV | $778 | $78,000 | 0.388% |
| 37 | Wheeler County | GA | $782 | $74,600 | 0.753% |
| 38 | Fulton County | KY | $783 | $78,100 | 0.720% |
| 39 | Wyoming County | WV | $784 | $78,400 | 0.439% |
| 40 | Phillips County | AR | $787 | $76,200 | 0.656% |
| 41 | Quitman County | MS | $788 | $68,600 | 1.155% |
| 42 | Pulaski County | IL | $789 | $81,000 | 0.825% |
| 43 | Lee County | AR | $791 | $77,900 | 0.525% |
| 44 | Corson County | SD | $792 | $73,800 | 1.337% |
| 45 | Owsley County | KY | $795 | $79,900 | 0.703% |
| 46 | Foard County | TX | $800 | $71,400 | 1.182% |
| 47 | Taliaferro County | GA | $802 | $73,100 | 1.254% |
| 48 | Knox County | TX | $802 | $66,800 | 1.862% |
| 49 | Atkinson County | GA | $803 | $76,300 | 0.883% |
| 50 | Dewey County | SD | $805 | $75,400 | 1.338% |
| 51 | Harmon County | OK | $807 | $75,700 | 0.697% |
| 52 | Pawnee County | NE | $808 | $74,800 | 1.592% |
| 53 | Tensas Parish | LA | $808 | $80,300 | 0.289% |
| 54 | McIntosh County | ND | $808 | $80,300 | 1.080% |
| 55 | Benson County | ND | $815 | $83,100 | 0.871% |
| 56 | Covington city | VA | $816 | $80,200 | 0.784% |
| 57 | Sioux County | ND | $817 | $87,400 | 0.469% |
| 58 | Jefferson County | OK | $819 | $77,500 | 0.661% |
| 59 | Bell County | KY | $820 | $83,000 | 0.743% |
| 60 | Lee County | KY | $820 | $82,100 | 0.848% |
| 61 | Monroe County | AR | $821 | $82,200 | 0.493% |
| 62 | Republic County | KS | $823 | $76,000 | 1.697% |
| 63 | Gilmer County | WV | $823 | $83,300 | 0.507% |
| 64 | Warren County | GA | $825 | $78,000 | 1.031% |
| 65 | Bullock County | AL | $825 | $79,400 | 0.389% |
| 66 | Dillon County | SC | $827 | $84,400 | 0.504% |
| 67 | Claiborne Parish | LA | $829 | $82,400 | 0.369% |
| 68 | Grant County | OK | $831 | $79,500 | 0.604% |
| 69 | Mingo County | WV | $835 | $85,600 | 0.437% |
| 70 | Lowndes County | AL | $835 | $80,600 | 0.408% |
| 71 | Holmes County | MS | $835 | $76,500 | 0.908% |
| 72 | Lewis County | KY | $836 | $86,100 | 0.648% |
| 73 | Martin County | KY | $836 | $84,900 | 0.774% |
| 74 | Appling County | GA | $838 | $81,400 | 0.846% |
| 75 | Harper County | KS | $839 | $77,300 | 1.784% |
| 76 | Woodson County | KS | $839 | $77,100 | 1.811% |
| 77 | Hardeman County | TX | $840 | $76,500 | 1.183% |
| 78 | Marion County | SC | $841 | $86,800 | 0.457% |
| 79 | Lamb County | TX | $842 | $76,600 | 1.192% |
| 80 | McPherson County | SD | $842 | $78,400 | 1.554% |
| 81 | Grant County | ND | $842 | $85,800 | 0.980% |
| 82 | Jenkins County | GA | $843 | $81,100 | 0.958% |
| 83 | Edwards County | TX | $846 | $78,300 | 1.051% |
| 84 | Clay County | KY | $847 | $87,300 | 0.685% |
| 85 | Claiborne County | MS | $847 | $80,800 | 0.582% |
| 86 | Decatur County | KS | $849 | $78,500 | 1.794% |
| 87 | Nevada County | AR | $850 | $85,700 | 0.539% |
| 88 | Wibaux County | MT | $852 | $92,300 | 0.709% |
| 89 | Taylor County | GA | $852 | $82,900 | 0.897% |
| 90 | Sumter County | AL | $857 | $84,100 | 0.353% |
| 91 | Magoffin County | KY | $858 | $88,300 | 0.728% |
| 92 | Wilcox County | AL | $858 | $84,200 | 0.367% |
| 93 | Tallahatchie County | MS | $859 | $82,200 | 0.602% |
| 94 | East Carroll Parish | LA | $860 | $87,400 | 0.287% |
| 95 | Wilkinson County | MS | $861 | $80,200 | 0.862% |
| 96 | Rush County | KS | $863 | $79,300 | 1.897% |
| 97 | Yukon-Koyukuk Census Area | AK | $863 | $87,800 | 0.862% |
| 98 | Jackson County | AR | $863 | $87,300 | 0.564% |
| 99 | Gallatin County | IL | $863 | $84,700 | 1.506% |
| 100 | St. Francis County | AR | $864 | $87,700 | 0.540% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Cheapest Counties to Own a Home by state
The same ranking within a single state.
Alabama67Alaska26Arizona15Arkansas75California58Colorado64Florida67Georgia159Idaho44Illinois102Indiana92Iowa99Kansas105Kentucky120Louisiana64Maine16Maryland24Massachusetts14Michigan83Minnesota87Mississippi82Missouri115Montana56Nebraska93Nevada16New Jersey21New Mexico33New York62North Carolina100North Dakota53Ohio88Oklahoma77Oregon36Pennsylvania67South Carolina46South Dakota65Tennessee95Texas250Utah29Vermont14Virginia133Washington39West Virginia55Wisconsin72Wyoming23