State Level Housing Affordability Challenges  

 

Housing Landscape 2014, analyzing 2012 American Community Survey data, finds that for millions of low- and moderate-income working households, housing costs account for more than half of the household's monthly income. And even though the share of working households with a severe housing cost burden declined slightly in 2012, housing affordability remains a severe challenge for millions of working individuals and families. Among all U.S. households, renters  are more than twice as likely to be housing cost burdened than owners. In 2012, 24.7 percent of all renter households were severely burdened compared to 10.5 percent of all owner households. 

The data reports below offer a snapshot of housing affordability at the state level using data from Housing Landscape 2014

View the Housing Landscape 2014 report here.

See Housing Landscape 2014 metro area data. 

 

 

Housing Affordability Challenges State-by-State

   

Alabama

This data report describes the housing affordability challenges of renters and owners in the state of Alabama. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Nineteen percent of Alabama's low- and moderate-income working households spend at least half of their income on housing costs. 

 

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Alaska 

This data report describes the housing affordability challenges of renters and owners in the state of Alaska. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 21 percent of renters spending half of their incomes on housing costs. Seventeen percent of Alaska's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Arizona

This data report describes the housing affordability challenges of renters and owners in the state of Arizona. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-three percent of Arizona's low- and moderate-income working households spend at least half of their income on housing costs.

 

 

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Arkansas

This data report describes the housing affordability challenges of renters and owners in the state of Arkansas. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 21 percent of renters spending half of their incomes on housing costs. Fifteen percent of Arkansas's low- and moderate-income working households spend at least half of their income on housing costs.

 

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California

This data report describes the housing affordability challenges of renters and owners in the state of California. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 28 percent of renters spending half of their incomes on housing costs. Thirty-two percent of California's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Colorado

This data report describes the housing affordability challenges of renters and owners in the state of Colorado. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Twenty percent of Colorado's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Connecticut

This data report describes the housing affordability challenges of renters and owners in the state of Connecticut. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-three percent of Connecticut's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Delaware

This data report describes the housing affordability challenges of renters and owners in the state of Delaware. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Twenty-one percent of Delaware's low- and moderate-income working households spend at least half of their income on housing costs.

 

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District of Columbia

This data report describes the housing affordability challenges of renters and owners in the District of Columbia. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 25 percent of renters spending half of their incomes on housing costs. Twenty-five percent of the District of Columbia's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Florida

This data report describes the housing affordability challenges of renters and owners in the state of Florida. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 28 percent of renters spending half of their incomes on housing costs. Thirty percent of Florida's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Georgia

This data report describes the housing affordability challenges of renters and owners in the state of Georgia. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 25 percent of renters spending half of their incomes on housing costs. Twenty-three percent of Georgia's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Hawaii

This data report describes the housing affordability challenges of renters and owners in the state of Hawaii. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 26 percent of renters spending half of their incomes on housing costs. Thirty percent of Hawaii's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Idaho

This data report describes the housing affordability challenges of renters and owners in the state of Idaho. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 21 percent of renters spending half of their incomes on housing costs. Eighteen percent of Idaho's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Illinois

This data report describes the housing affordability challenges of renters and owners in the state of Illinois. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 25 percent of renters spending half of their incomes on housing costs. Twenty-two percent of Illinois's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Indiana

This data report describes the housing affordability challenges of renters and owners in the state of Indiana. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Seventeen percent of Indiana's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Iowa

This data report describes the housing affordability challenges of renters and owners in the state of Iowa. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Thirteen percent of Iowa's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Kansas

This data report describes the housing affordability challenges of renters and owners in the state of Kansas. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 21 percent of renters spending half of their incomes on housing costs. Sixteen percent of Kansas's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Kentucky

This data report describes the housing affordability challenges of renters and owners in the state of Kentucky. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Sixteen percent of Kentucky's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Louisiana

This data report describes the housing affordability challenges of renters and owners in the state of Louisiana. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 25 percent of renters spending half of their incomes on housing costs. Twenty-one percent of Louisiana's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Maine

This data report describes the housing affordability challenges of renters and owners in the state of Maine. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 25 percent of renters spending half of their incomes on housing costs. Twenty percent of Maine's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Maryland

This data report describes the housing affordability challenges of renters and owners in the state of Maryland. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Twenty percent of Maryland's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Massachusetts

This PDF shows the housing affordability challenges in the state of Massachusetts. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. In total, 22 percent of Massachusett's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Michigan

This data report describes the housing affordability challenges of renters and owners in the state of Michigan. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 27 percent of renters spending half of their incomes on housing costs. Twenty percent of Michigan's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Minnesota

This data report describes the housing affordability challenges of renters and owners in the state of Minnesota. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Fourteen percent of Minnesota's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Mississippi

This data report describes the housing affordability challenges of renters and owners in the state of Mississippi. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-one percent of Mississippi's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Missouri

This data report describes the housing affordability challenges of renters and owners in the state of Missouri. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Seventeen percent of Missouri's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Montana

This data report describes the housing affordability challenges of renters and owners in the state of Montana. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 20 percent of renters spending half of their incomes on housing costs. Eighteen percent of Montana's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Nebraska

This data report describes the housing affordability challenges of renters and owners in the state of Nebraska. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 18 percent of renters spending half of their incomes on housing costs. Thirteen percent of Nebraska's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Nevada

This data report describes the housing affordability challenges of renters and owners in the state of Nevada. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-five percent of Nevada's low- and moderate-income working households spend at least half of their income on housing costs.

 

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New Hampshire

This data report describes the housing affordability challenges of renters and owners in the state of New Hampshire. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Sixteen percent of New Hampshire's low- and moderate-income working households spend at least half of their income on housing costs.

 

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New Jersey

This data report describes the housing affordability challenges of renters and owners in the state of New Jersey. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 27 percent of renters spending half of their incomes on housing costs. Thirty-one percent of New Jersey's low- and moderate-income working households spend at least half of their income on housing costs.

 

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New Mexico

This data report describes the housing affordability challenges of renters and owners in the state of New Mexico. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-three percent of New Mexico's low- and moderate-income working households spend at least half of their income on housing costs.

 

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New York

This data report describes the housing affordability challenges of renters and owners in the state of New York. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 28 percent of renters spending half of their incomes on housing costs. Twenty-nine percent of New York's low- and moderate-income working households spend at least half of their income on housing costs.

 

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North Carolina

This data report describes the housing affordability challenges of renters and owners in the state of North Carolina. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Nineteen percent of North Carolina's low- and moderate-income working households spend at least half of their income on housing costs.

 

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North Dakota

This data report describes the housing affordability challenges of renters and owners in the state of North Dakota. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 17 percent of renters spending half of their incomes on housing costs. Eleven percent of North Dakota's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Ohio

This data report describes the housing affordability challenges of renters and owners in the state of Ohio. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Seventeen percent of Ohio's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Oklahoma

This data report describes the housing affordability challenges of renters and owners in the state of Oklahoma. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 20 percent of renters spending half of their incomes on housing costs. Sixteen percent of Oklahoma's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Oregon

This data report describes the housing affordability challenges of renters and owners in the state of Oregon. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 27 percent of renters spending half of their incomes on housing costs. Twenty-five percent of Oregon's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Pennsylvania

This data report describes the housing affordability challenges of renters and owners in the state of Pennsylvania. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Seventeen percent of Pennsylvania's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Rhode Island

This data report describes the housing affordability challenges of renters and owners in the state of Rhode Island. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Twenty-three percent of Rhode Island's low- and moderate-income working households spend at least half of their income on housing costs.

 

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South Carolina

This data report describes the housing affordability challenges of renters and owners in the state of South Carolina. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Nineteen percent of South Carolina's low- and moderate-income working households spend at least half of their income on housing costs.

 

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South Dakota

This data report describes the housing affordability challenges of renters and owners in the state of South Dakota. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 15 percent of renters spending half of their incomes on housing costs. Twelve percent of South Dakota's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Tennessee

This data report describes the housing affordability challenges of renters and owners in the state of Tennessee. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Nineteen percent of Tennessee's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Texas

This data report describes the housing affordability challenges of renters and owners in the state of Texas. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 21 percent of renters spending half of their incomes on housing costs. Nineteen percent of Texas's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Utah

This data report describes the housing affordability challenges of renters and owners in the state of Utah. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Eighteen percent of Utah's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Vermont

This data report describes the housing affordability challenges of renters and owners in the state of Vermont. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 24 percent of renters spending half of their incomes on housing costs. Twenty-one percent of Vermont's low- and moderate-income working households spend at least half of their income on housing costs.

 

 

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Virginia

This data report describes the housing affordability challenges of renters and owners in the state of Virginia. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Twenty percent of Virginia's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Washington

This data report describes the housing affordability challenges of renters and owners in the state of Washington. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Twenty percent of Washington's low- and moderate-income working households spend at least half of their income on housing costs.

 

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West Virginia

This data report describes the housing affordability challenges of renters and owners in the state of West Virginia. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 22 percent of renters spending half of their incomes on housing costs. Fourteen percent of West Virginia's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Wisconsin

This data report describes the housing affordability challenges of renters and owners in the state of Wisconsin. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 23 percent of renters spending half of their incomes on housing costs. Seventeen percent of Wisconsin's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Wyoming

This data report describes the housing affordability challenges of renters and owners in the state of Wyoming. Here, renters have a higher likelihood of being severely cost-burdened than owners, with 18 percent of renters spending half of their incomes on housing costs. Fifteen percent of Wyoming's low- and moderate-income working households spend at least half of their income on housing costs.

 

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Acknowledgements


The Center for Housing Policy gratefully acknowledges funding for these materials from NeighborWorks® America.  Any errors or opinions, however, are those of the authors alone.