Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in America
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Top 100
| # | County | State | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|---|
| 1 | Summit County | UT | 21.3% | $1,443 | $6,783 |
| 2 | Nantucket County | MA | 21.3% | $2,004 | $9,409 |
| 3 | Maui County | HI | 21.5% | $1,256 | $5,839 |
| 4 | Kauai County | HI | 22.3% | $1,250 | $5,616 |
| 5 | Honolulu County | HI | 22.5% | $1,356 | $6,017 |
| 6 | Wasatch County | UT | 22.9% | $1,151 | $5,018 |
| 7 | Summit County | CO | 23.0% | $1,358 | $5,899 |
| 8 | Valley County | ID | 23.1% | $962 | $4,162 |
| 9 | Pitkin County | CO | 23.2% | $1,824 | $7,863 |
| 10 | Ouray County | CO | 23.4% | $1,090 | $4,667 |
| 11 | San Miguel County | CO | 23.5% | $1,005 | $4,278 |
| 12 | Routt County | CO | 23.5% | $1,239 | $5,276 |
| 13 | Blaine County | ID | 23.6% | $1,093 | $4,637 |
| 14 | Teton County | ID | 23.6% | $982 | $4,163 |
| 15 | San Mateo County | CA | 23.7% | $2,478 | $10,456 |
| 16 | Chaffee County | CO | 23.7% | $994 | $4,189 |
| 17 | Gunnison County | CO | 23.8% | $994 | $4,182 |
| 18 | Teton County | WY | 23.8% | $2,288 | $9,611 |
| 19 | Gilpin County | CO | 23.8% | $857 | $3,593 |
| 20 | La Plata County | CO | 23.9% | $920 | $3,852 |
| 21 | Grand County | UT | 24.0% | $810 | $3,377 |
| 22 | Eagle County | CO | 24.0% | $1,376 | $5,725 |
| 23 | Douglas County | NV | 24.2% | $1,000 | $4,136 |
| 24 | Utah County | UT | 24.3% | $837 | $3,449 |
| 25 | Morgan County | UT | 24.3% | $1,032 | $4,240 |
| 26 | Washington County | UT | 24.4% | $800 | $3,286 |
| 27 | Dukes County | MA | 24.4% | $1,905 | $7,800 |
| 28 | San Francisco County | CA | 24.5% | $2,386 | $9,756 |
| 29 | Wayne County | UT | 24.6% | $634 | $2,582 |
| 30 | Santa Cruz County | CA | 24.6% | $1,766 | $7,185 |
| 31 | San Juan County | WA | 24.6% | $1,266 | $5,145 |
| 32 | Santa Clara County | CA | 24.7% | $2,417 | $9,799 |
| 33 | Clear Creek County | CO | 24.8% | $1,006 | $4,064 |
| 34 | Marin County | CA | 24.8% | $2,444 | $9,864 |
| 35 | Washoe County | NV | 24.9% | $879 | $3,530 |
| 36 | Elbert County | CO | 24.9% | $1,178 | $4,726 |
| 37 | Grand County | CO | 24.9% | $899 | $3,607 |
| 38 | District of Columbia | DC | 25.0% | $1,288 | $5,156 |
| 39 | Park County | CO | 25.0% | $872 | $3,484 |
| 40 | Hinsdale County | CO | 25.0% | $783 | $3,125 |
| 41 | Carson City | NV | 25.1% | $765 | $3,043 |
| 42 | Davis County | UT | 25.2% | $844 | $3,356 |
| 43 | Boise County | ID | 25.2% | $764 | $3,028 |
| 44 | Orange County | CA | 25.2% | $1,650 | $6,537 |
| 45 | Salt Lake County | UT | 25.2% | $873 | $3,460 |
| 46 | Denver County | CO | 25.2% | $1,058 | $4,190 |
| 47 | Rich County | UT | 25.3% | $527 | $2,081 |
| 48 | Archuleta County | CO | 25.3% | $818 | $3,228 |
| 49 | Bonner County | ID | 25.4% | $786 | $3,100 |
| 50 | Kane County | UT | 25.4% | $637 | $2,510 |
| 51 | San Juan County | CO | 25.4% | $739 | $2,912 |
| 52 | Storey County | NV | 25.4% | $714 | $2,813 |
| 53 | Jefferson County | CO | 25.4% | $1,100 | $4,327 |
| 54 | Cache County | UT | 25.5% | $717 | $2,814 |
| 55 | Boulder County | CO | 25.5% | $1,303 | $5,114 |
| 56 | Juab County | UT | 25.5% | $676 | $2,650 |
| 57 | Iron County | UT | 25.5% | $627 | $2,458 |
| 58 | Teller County | CO | 25.5% | $814 | $3,190 |
| 59 | Hood River County | OR | 25.6% | $1,047 | $4,096 |
| 60 | Hawaii County | HI | 25.6% | $892 | $3,488 |
| 61 | Deschutes County | OR | 25.6% | $1,097 | $4,279 |
| 62 | Kootenai County | ID | 25.7% | $861 | $3,357 |
| 63 | Alameda County | CA | 25.7% | $1,954 | $7,599 |
| 64 | Napa County | CA | 25.7% | $1,553 | $6,031 |
| 65 | Garfield County | CO | 25.7% | $908 | $3,527 |
| 66 | Douglas County | CO | 25.8% | $1,249 | $4,847 |
| 67 | Mineral County | CO | 25.8% | $768 | $2,973 |
| 68 | Santa Barbara County | CA | 25.9% | $1,370 | $5,298 |
| 69 | Monterey County | CA | 25.9% | $1,350 | $5,210 |
| 70 | Los Angeles County | CA | 25.9% | $1,464 | $5,646 |
| 71 | San Diego County | CA | 26.0% | $1,481 | $5,707 |
| 72 | Ventura County | CA | 26.0% | $1,440 | $5,542 |
| 73 | San Luis Obispo County | CA | 26.0% | $1,461 | $5,610 |
| 74 | Larimer County | CO | 26.1% | $1,002 | $3,843 |
| 75 | Box Elder County | UT | 26.1% | $673 | $2,581 |
| 76 | Clark County | NV | 26.1% | $757 | $2,897 |
| 77 | Sonoma County | CA | 26.1% | $1,472 | $5,631 |
| 78 | El Paso County | CO | 26.1% | $814 | $3,115 |
| 79 | Gem County | ID | 26.2% | $695 | $2,656 |
| 80 | Garfield County | UT | 26.2% | $541 | $2,067 |
| 81 | Kings County | NY | 26.2% | $1,686 | $6,436 |
| 82 | Beaver County | UT | 26.2% | $546 | $2,081 |
| 83 | Lake County | CO | 26.2% | $762 | $2,904 |
| 84 | Ada County | ID | 26.3% | $907 | $3,448 |
| 85 | Tooele County | UT | 26.3% | $746 | $2,835 |
| 86 | Arapahoe County | CO | 26.3% | $1,004 | $3,812 |
| 87 | Broomfield County | CO | 26.5% | $1,216 | $4,588 |
| 88 | Skagway Municipality | AK | 26.6% | $831 | $3,126 |
| 89 | Montrose County | CO | 26.6% | $691 | $2,602 |
| 90 | Custer County | CO | 26.6% | $694 | $2,609 |
| 91 | King County | WA | 26.6% | $1,570 | $5,901 |
| 92 | Weber County | UT | 26.6% | $754 | $2,831 |
| 93 | Lyon County | NV | 26.6% | $664 | $2,493 |
| 94 | El Dorado County | CA | 26.7% | $1,246 | $4,665 |
| 95 | Williamson County | TN | 26.7% | $1,312 | $4,909 |
| 96 | Boundary County | ID | 26.7% | $670 | $2,507 |
| 97 | Custer County | ID | 26.8% | $576 | $2,155 |
| 98 | Weld County | CO | 26.8% | $869 | $3,242 |
| 99 | Delta County | CO | 26.8% | $622 | $2,320 |
| 100 | Island County | WA | 26.8% | $1,048 | $3,905 |
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.
Lowest Costs Beyond the Mortgage by state
The same ranking within a single state.
Alabama67Alaska26Arizona15Arkansas75California58Colorado64Florida67Georgia159Idaho44Illinois102Indiana92Iowa99Kansas105Kentucky120Louisiana64Maine16Maryland24Massachusetts14Michigan83Minnesota87Mississippi82Missouri115Montana56Nebraska93Nevada16New Jersey21New Mexico33New York62North Carolina100North Dakota53Ohio88Oklahoma77Oregon36Pennsylvania67South Carolina46South Dakota65Tennessee95Texas250Utah29Vermont14Virginia133Washington39West Virginia55Wisconsin72Wyoming23