California has the highest average monthly mortgage payment at $2,576, which is $1,174 more than the national average.

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California has overall living expenses that are 38.7% higher than the national average due in part to high housing costs.

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New York City and New Jersey are in second place with an average monthly mortgage of $2,460.

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With an average monthly mortgage of $961, West Virginia has the lowest cost of living when compared to other states.

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Clarksburg, despite being more expensive than other West Virginian cities, maintains a low cost of living compared to the national average.

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At about $1,022 per month, residents in Arkansas tie for second place among states with the lowest average monthly mortgage payments.

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The annual average amount spent on mortgages in the United States is an astounding $885 billion.

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Housing affordability is still a major element determining mortgage payments in every state.

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