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Official data 2026 · 50 states, DC and Puerto Rico · 3,222 counties
Home prices, rents by number of bedrooms, FHA limits, ITIN loans, property taxes and down payment assistance, county by county. Free, in plain language, and we never ask for your personal information.
Pick your path and we walk you through it step by step, with your county’s numbers.
Step by step, with your county's numbers.
Prices, rights and how to avoid scams.
Banking, credit and loans with an ITIN.
Credit from scratch and family money.
Programs, counselors and free legal help.
Taxes, insurance and protecting your home.
Today's numbers
Every number comes from an official agency and carries its date. These are national figures: your county can be very different, and its page shows its own.
Calculators
Today the typical home in the United States is worth $332,700 and the typical household earns $80,734 a year. Change the price, the down payment or the loan type and the result moves right away. With your county, it uses its typical price, its property tax and its typical income.
Calculating with the numbers for United States
Starts at the typical home value in the United States.
That is $16,635 (5% of the price).
Starting numbers: United States
Source: American Community Survey (ACS) 5-year estimates · Average 2020–2024.
Estimated monthly payment
$2,698/ month
Conventional loan over 30 years with 5% down, with the typical property tax in the United States and an example insurance cost.
| Principal & interest | $2,141 | 79% |
|---|---|---|
| Property tax | $261 | 10% |
| Home insurance | $139 | 5% |
| Mortgage insurance (PMI) | $158 | 6% |
Each year of the loan: principal and interest
Principal (what becomes yours)Interest
How much should your family earn a year for this payment?
The typical household in the United States earns $80,734 a year, less than “At the limit” needs. A lower price or a bigger down payment lowers the payment.
Starting numbers: United States
Source: American Community Survey (ACS) 5-year estimates · Average 2020–2024.
Estimated top price
$227,000
Limited by the housing payment: at that price it would be about $1,883 a month, 28% of your income.
| House payment | $1,883 | 28% |
|---|---|---|
| Other debts | $0 | 0% |
| Rest of your income | $4,845 | 72% |
Top price by how tight you want your budget
Starts at the typical home value in the United States.
Buying with a Conventional loan and 5% down, as in the first tab.
Starting numbers: United States
Source: American Community Survey (ACS) 5-year estimates · Average 2020–2024.
If you stay 7 years
Renting comes out ahead by about $81,134
With these assumptions, buying does not come out ahead within 30 years.
Rent per month (first year)$1,413
Cost of buying per month (first year)$2,976
Cash up front to buy$26,616
Buying's advantage, year by year
Example assumptions: the home gains 3% a year, rent rises 3% a year and selling costs 6% of the price. Change them in the full comparison.
An educational estimate, not a loan offer: your lender will give you the numbers for your case.
If you'd rather have the steps in order, build your plan: answer a few questions and we give you your list, with your county's numbers and programs.
Places · the map
In 30 of the 52 states and territories on the map, the typical home is worth less than the country’s ($332,700). Tap a state to see its counties.
| California | $734,700 |
| Washington | $564,600 |
| Colorado | $539,400 |
| New Jersey | $454,400 |
| New York | $423,800 |
| Arizona | $394,500 |
| Florida | $359,000 |
| Georgia | $303,300 |
| North Carolina | $288,900 |
| Texas | $283,800 |
| Illinois | $263,300 |
| Puerto Rico | $131,500 |
| United States | $332,700 |
|---|
American Community Survey (ACS) 5-year estimates · Average 2020–2024
| California | $2,632 |
| New York | $2,402 |
| New Jersey | $2,268 |
| Washington | $2,044 |
| Florida | $1,962 |
| Colorado | $1,916 |
| Illinois | $1,724 |
| Arizona | $1,616 |
| Georgia | $1,528 |
| Texas | $1,488 |
| North Carolina | $1,441 |
| Puerto Rico | $641 |
| United States | $1,750 |
|---|
Fair Market Rents (HUD) · Fiscal year 2027
| New Jersey | $1,249,125 |
| Puerto Rico | $690,000 |
| California | $546,250 |
| Texas | $541,287 |
| Florida | $541,287 |
| New York | $541,287 |
| Illinois | $541,287 |
| Arizona | $541,287 |
| North Carolina | $541,287 |
| Georgia | $541,287 |
| Colorado | $541,287 |
| Washington | $541,287 |
FHA mortgage limits (HUD) · 2026 data
| New Jersey | 2.11% |
| Illinois | 2.01% |
| New York | 1.55% |
| Texas | 1.49% |
| Washington | 0.81% |
| Georgia | 0.77% |
| Florida | 0.76% |
| California | 0.70% |
| North Carolina | 0.66% |
| Puerto Rico | 0.49% |
| Arizona | 0.48% |
| Colorado | 0.48% |
| United States | 0.94% |
|---|
American Community Survey (ACS) 5-year estimates · Average 2020–2024
| New Jersey | $103,556 |
| California | $99,122 |
| Washington | $98,141 |
| Colorado | $95,470 |
| New York | $85,974 |
| Illinois | $83,390 |
| Arizona | $79,964 |
| Texas | $78,476 |
| Georgia | $77,353 |
| Florida | $74,568 |
| North Carolina | $72,388 |
| Puerto Rico | $26,297 |
| United States | $80,734 |
|---|
American Community Survey (ACS) 5-year estimates · Average 2020–2024
Tools
The questions that weigh most when you buy or rent, answered in plain language with your county’s numbers. Each tool leaves you with something you can use today.
See all 26 toolsAssistance programs that might fit you.
What you get: 134 programs in 52 states and territories, checked against your county’s HUD income limit.
The documents you'll be asked for.
What you get: Your list out of 21 possible documents, for your case.
What each loan costs per month and over five years.
What you get: 7 loan options for the same price, side by side.
The cash you need on closing day.
What you get: With the numbers for 3,222 counties and 33,486 ZIP codes.
The steps and periods of an eviction in your state.
What you get: The steps and deadlines in the law, with the citation, in 52 states and territories.
Homes, rents and incomes in several places, side by side.
What you get: 3,222 counties and 6,813 cities to compare.
Guides
The guides explain what official sources say, with no promises and no fine print: what each program asks for, what the law says and what steps come next. Each one carries its verification date and its sources at the end.
Buying a home 15 minute read
Key points
ITIN 15 minute read
Key points
Mortgage loans 14 minute read
Key points
Help and programs 11 minute read
Key points
Credit 16 minute read
Key points
Renting 10 minute read
Key points
Owning a home 13 minute read
Key points
Have a specific question? See all 1,538 answered questions
Our standard
Every number on this page comes from a public dataset with its date, published by an agency you can check yourself. We don't make up figures or round them to suit us: when a figure doesn't exist, we say so.
They publish the data we use
These are data sources; they don't sponsor or endorse us.
