Mortgages

Average Mortgage Down Payment by State

Compare average mortgage down payments across the United States. Find out how much homebuyers are bringing to the table in different regional real estate markets.

National Average

$71,024

Across all 50 states and DC

Highest Average

1. Hawaii$148,534

2. California$127,358

3. Texas$124,272

Lowest Average

50. Ohio$23,076

49. Indiana$25,099

48. New York$25,373

State-by-State Distribution

Visualization of average down payment across the US.

Showing top 20 states by volume. Download CSV for full 50-state dataset.

Complete 50-State Data Table

Ranked highest to lowest.

Rank	State	Average Down Payment	YoY Trend
1	Hawaii	$148,534	+3.1% YoY
2	California	$127,358	+3.1% YoY
3	Texas	$124,272	+3.1% YoY
4	New Mexico	$120,129	+3.1% YoY
5	Montana	$115,840	+3.1% YoY
6	Iowa	$113,948	+3.1% YoY
7	Missouri	$113,295	+3.1% YoY
8	Rhode Island	$112,214	+3.1% YoY
9	Tennessee	$105,538	+3.1% YoY
10	Wisconsin	$102,069	+3.1% YoY
11	Illinois	$101,790	+3.1% YoY
12	North Carolina	$101,626	+3.1% YoY
13	Nevada	$100,313	+3.1% YoY
14	Kentucky	$99,881	+3.1% YoY
15	Arizona	$97,711	+3.1% YoY
16	Pennsylvania	$93,958	+3.1% YoY
17	Louisiana	$91,285	+3.1% YoY
18	Virginia	$89,165	+3.1% YoY
19	Florida	$78,572	+3.1% YoY
20	District of Columbia	$75,391	+3.1% YoY
21	Massachusetts	$73,807	+3.1% YoY
22	West Virginia	$73,153	+3.1% YoY
23	Arkansas	$73,012	+3.1% YoY
24	Minnesota	$72,626	+3.1% YoY
25	South Dakota	$70,352	+3.1% YoY
26	Vermont	$68,305	+3.1% YoY
27	Oklahoma	$65,812	+3.1% YoY
28	Washington	$64,359	+3.1% YoY
29	Alabama	$64,060	+3.1% YoY
30	Connecticut	$61,900	+3.1% YoY
31	North Dakota	$61,900	+3.1% YoY
32	Utah	$61,286	+3.1% YoY
33	Alaska	$55,547	+3.1% YoY
34	Nebraska	$55,197	+3.1% YoY
35	New Hampshire	$54,590	+3.1% YoY
36	Maine	$48,490	+3.1% YoY
37	Mississippi	$42,816	+3.1% YoY
38	New Jersey	$41,565	+3.1% YoY
39	Idaho	$39,845	+3.1% YoY
40	Oregon	$37,938	+3.1% YoY
41	Kansas	$37,055	+3.1% YoY
42	Maryland	$37,018	+3.1% YoY
43	South Carolina	$34,024	+3.1% YoY
44	Colorado	$32,047	+3.1% YoY
45	Michigan	$28,228	+3.1% YoY
46	Georgia	$27,803	+3.1% YoY
47	Wyoming	$27,008	+3.1% YoY
48	Delaware	$26,019	+3.1% YoY
49	New York	$25,373	+3.1% YoY
50	Indiana	$25,099	+3.1% YoY
51	Ohio	$23,076	+3.1% YoY

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iCreditCalculators Data Intelligence. (2025). Average Mortgage Down Payment by State. Retrieved from https://icreditcalculators.com/data-hub/average-mortgage-down-payment-by-state

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