Homeowners & Renters

Facts + Statistics: Homeowners and renters insurance

Homeowners insurance premiums

The average homeowners insurance premium rose by 7.6 percent in 2021 from 2020, according to a December 2023 study by the National Association of Insurance Commissioners, the latest data available. The average renters insurance premium fell by 1.7 percent in 2021 marking the seventh consecutive annual decline.

Home inventories

According to a 2023 Triple-I/Munich Re Consumer Survey, 47 percent of homeowners said they prepared an inventory of their possessions to help document losses for their insurers.

Causes of homeowners insurance losses

In 2021, 5.3 percent of insured homes had a claim, according to ISO. Property damage, including theft, accounted for 97.8 percent of homeowners insurance claims in 2022 (latest data available). Changes in the percentage of each type of homeowners loss from one year to another are partially influenced by large fluctuations in the number and severity of weather-related events such as hurricanes and winter storms. There are two ways of looking at losses: by the average number of claims filed per 100 policies (frequency) and by the average amount paid for each claim (severity). The loss category “water damage and freezing” includes damage caused by mold, if covered.

Year	Claim frequency (2)	Claim severity (3)	Year	Claim frequency (2)	Claim severity (3)
2017	6.44	$15,928	2020	6.28	14,844
2018	6.21	14,563	2021	5.32	16,048
2019	5.35	14,031	Average (4)	5.92	15,091

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2016-2020.

Source: ISO®, a Verisk Analytics® business.

In 2022, 5.5 percent of insured homes experienced a claim, compared with 6.5 percent in 2020.

Cause of loss	2017	2018	2019	2020	2021
Property damage (2)	97.7%	97.5%	96.8%	97.6%	97.7%
Wind and hail	48.0	39.5	38.3	47.8	39.4
Water damage and freezing	18.0	24.5	29.0	19.9	23.5
Fire and lightning	26.2	26.0	21.5	21.9	24.8
Theft	1.0	1.0	1.0	0.6	0.7
All other property damage (3)	4.6	6.5	7.1	7.4	9.4
Liability (4)	2.3%	2.5%	3.2%	2.4%	2.3%
Bodily injury and property damage	2.2	2.3	2.8	2.1	1.8
Medical payments and other	0.1	0.2	0.4	0.4	0.5
Credit card and other (5)	(6)	(6)	(6)	(6)	(6)
Total	100.0%	100.0%	100.0%	100.0%	100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

Cause of loss	Claim frequency (2)	Claim severity (3)
Property damage (4)	5.83	$14,935
Fire and lightning	0.26	83,519
Water damage and freezing	1.61	12,514
Wind and hail	2.97	12,913
Theft	0.16	4,646
All other (5)	0.83	7,460
Liability (6)	0.09	25,323
Bodily injury and property damage	0.06	31,663
Medical payments and other	0.03	10,179
Credit card and other (7)	(8)	$1,202 (9)
Average (property damage and liability), 2017-2021	5.92	$15,091

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) First party, i.e., covers damage to policyholder’s own property.
(5) Includes vandalism and malicious mischief.
(6) Payments to others for which policyholder is responsible.
(7) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(8) Less than 0.01.
(9) Claim severity for credit card and other is significantly lower than was shown in previous years due to a change in the companies surveyed to produce the data. The new selection of companies use different exclusions which have been applied throughout the five years used in this chart.

Source: ISO®, a Verisk Analytics® business.

In the five-year period, 2018-2022, 5.8 percent of insured homes had a claim. Wind and hail accounted for the largest share of claims, with 2.8 percent of insured homes having such a loss, followed by water damage and freezing with 1.6 percent of homes having a loss.

Homeowners Insurance Claims Frequency*

Each year,

About one in 18 insured homes has a claim.

About one in 35 insured homes has a property damage claim related to wind or hail.

About one in 60 insured homes has a property damage claim caused by water damage or freezing.

About one in 425 insured homes has a property damage claim related to fire and lightning.

About one in 700 insured homes has a property damage claim due to theft

About one in 1,100 homeowners policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others.

*Insurance Information Institute calculations, based on ISO®, a Verisk Analytics® business, data for homeowners insurance claims from 2018-2020 (see table above).

Consumer prices

To shed light on inflation, the Bureau of Labor Statistics maintains a consumer price index (CPI) which tracks monthly and annual changes in the average prices paid by urban consumers for a representative basket of goods and services. The Consumer Price Index for All Urban Consumers (CPI-U) represents data for 93 percent of the U.S. population not living in remove rural areas, institutions, or on military bases. The CPI-U rose 4.1 percent in 2023. The cost of motor vehicle insurance for these consumers increased 17.4 percent in 2023 while the cost of used cars and trucks decreased -7.1 percent.

	Used cars and trucks		Tenants and household insurance (3), (5)		Repair of household items (3), (6)		Legal services (4)		Existing single- family homes
Year	Index	Percent change	Index	Percent change	Index	Percent change	Index	Percent change	Median price ($000)	Percent change
2015	147.1	-1.3%	146.4	3.2%	220.1	3.6%	323.6	1.6%	223.9	7.5%
2016	143.5	-2.5	147.7	0.9	226.3	2.8	334.5	3.4	235.5	5.2
2017	138.3	-3.6	148.8	0.7	239.3	5.8	346.4	3.6	248.8	5.6
2018	138.4	0.1	150.7	1.3	253.7	6.0	361.2	4.3	261.6	5.1
2019	139.8	1.0	151.8	0.7	268.7	5.9	364.8	1.0	274.6	5.0
2020	144.2	3.2	151.1	-0.5	270.0	0.5	368.7	1.1	300.2	9.3
2021	182.6	26.6	150.7	-0.3	NA	NA	374.4	1.5	357.1	19.0
2022	205.9	12.7	150.5	-0.1	NA	NA	399.4	6.7	392.8	10.0
2023	191.2	-7.1	153.3	1.8	352.6	NA	432.9	8.4	394.1	0.3
2024	179.8	-6.0	158.3	3.3	NA	NA	NA	NA	412.4	4.6
Percent change 2015-2024		22.2%		8.1%		NA		NA		84.2%

(1) December 1996=100. (2) December 1983=100. (3) December 1997=100. (4) December 1986=100. (5) Only includes insurance covering rental properties. (6) Includes appliances, reupholstery and inside home maintenance. NA = Data not available Note: Percent changes are calculated from unrounded data. Source: U.S. Department of Labor, Bureau of Labor Statistics; Copyright ©2025 “December Existing Home Sales.” NATIONAL ASSOCIATION OF REALTORS®. All rights reserved. Reprinted with permission. February 7, 2025, https://www.nar.realtor/sites/default/files/2025-01/ehs-12-2024-summary-2025-01-24.pdf.

Premiums for homeowners and renters insurance

Year	Homeowners (1)	Percent change	Renters (2)	Percent change
2011	$979	7.7%	$187	1.1%
2012	1,034	5.6	187	(3)
2013	1,096	6.0	188	0.5
2014	1,132	3.3	190	1.1
2015	1,173	3.6	188	-1.1
2016	1,192	1.6	185	-1.6
2017	1,211	1.6	180	-2.7
2018	1,249	3.1	179	-0.6
2019	1,272	1.8	174	-2.8
2020	1,311	3.1	173	-0.6

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(3) Less than 0.1 percent.

	Homeowners		Renters			Homeowners		Renters
State	Average premium (2)	Rank (3)	Average premium (4)	Rank (3)	State	Average premium (2)	Rank (3)	Average premium (4)	Rank (3)
Alabama	$1,501	10	$225	4	Montana	$1,347	16	$153	27
Alaska	989	37	186	9	Nebraska	1,586	8	143	33
Arizona	866	45	164	19	Nevada	824	46	179	14
Arkansas	1,498	11	210	7	New Hampshire	1,048	33	147	31
California (5)	1,241	23	171	18	New Jersey	1,277	21	154	26
Colorado	1,667	7	161	21	New Mexico	1,151	29	180	13
Connecticut	1,582	9	180	13	New York	1,356	15	173	16
Delaware	907	43	151	29	North Carolina	1,119	31	160	22
D.C.	1,229	25	159	23	North Dakota	1,230	24	116	38
Florida	2,165	1	182	11	Ohio	871	44	162	20
Georgia	1,403	14	212	6	Oklahoma	2,040	2	226	3
Hawaii	1,245	22	176	15	Oregon	735	50	154	26
Idaho	810	47	148	30	Pennsylvania	967	40	152	28
Illinois	1,144	30	157	25	Rhode Island	1,788	5	183	10
Indiana	1,021	34	164	19	South Carolina	1,327	17	186	9
Iowa	998	36	136	34	South Dakota	1,222	26	118	37
Kansas	1,478	13	162	20	Tennessee	1,296	20	187	8
Kentucky	1,174	27	157	25	Texas (6)	2,000	4	216	5
Louisiana	2,038	3	247	2	Utah	764	48	147	31
Maine	956	41	148	30	Vermont	984	38	151	29
Maryland	1,169	28	160	22	Virginia	1,107	32	152	28
Massachusetts	1,667	7	172	17	Washington	937	42	158	24
Michigan	1,002	35	181	12	West Virginia	974	39	179	14
Minnesota	1,481	12	134	35	Wisconsin	762	49	128	36
Mississippi	1,674	6	256	1	Wyoming	1,308	18	146	32
Missouri	1,301	19	172	17	United States	$1,311		$173

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of Insurance.
(6) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Rank	Most expensive states	Average expenditure	Rank	Least expensive states	Average expenditure
1	Florida	$2,165	1	Oregon	$735
2	Oklahoma	2,040	2	Wisconsin	762
3	Louisiana	2,038	3	Utah	764
4	Texas (2)	2,000	4	Idaho	810
5	Rhode Island	1,788	5	Nevada	824
6	Mississippi	1,674	6	Arizona	866
7	Colorado	1,667	7	Ohio	871
7	Massachusetts	1,667	8	Delaware	907
8	Nebraska	1,586	9	Washington	937
9	Connecticut	1,582	10	Maine	956

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Texas data were obtained from the Texas Department of Insurance.

Rank	Group/company	Direct premiums written (1)	Market share (2)
1	State Farm	$24,426,709	18.7%
2	Allstate Corp.	12,008,179	9.2
3	Liberty Mutual	9,728,358	7.4
4	USAA Insurance Group	8,851,130	6.8
5	Farmers Insurance Group of Companies	8,285,447	6.3
6	Travelers Companies Inc.	6,498,181	5.0
7	American Family Insurance Group	5,797,121	4.4
8	Nationwide Mutual Group	3,795,643	2.9
9	Chubb Ltd.	3,417,408	2.6
10	Progressive Corp.	2,444,270	1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Expense	Percent of premiums
Losses and related expenses (2)
Loss and loss adjustment expense (LAE) ratio	77.2%
Incurred losses	68.1
Defense and cost containment expenses incurred	1.8
Adjusting and other expenses incurred	7.3
Operating expenses (3)
Expense ratio	26.5%
Net commissions and brokerage expenses incurred	12.1
Taxes, licenses and fees	2.5
Other acquisition and field supervision expenses incurred	7.1
General expenses incurred	4.6
Dividends to policyholders (2)	0.4%
Combined ratio after dividends (4)	104.0%

(1) After reinsurance transactions.
(2) As a percent of net premiums earned ($108.8 billion in 2022).
(3) As a percent of net premiums written ($114.9 billion in 2022).
(4) Sum of loss and LAE, expense and dividends ratios. Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Home injuries

In 2022, 36.1 million Americans experienced an unintentional injury in the home that required aid from a medical professional, according to an analysis by the National Safety Council (NSC). There were 128,800 deaths from this type of injury in 2022, up 0.5 percent from 2021. The overall death rate remained at 38.6 deaths per 100,000 people in 2022, an increase from 28 deaths per 100,000 people in 1912. Poisonings and falls are driving the boom, making up a combined 87 percent of unintentional injury deaths.

Deaths	128,200
Medically consulted injuries	35,900,000
Death rate per 100,000 population	38.6

Source: National Safety Council estimates based on data from National Center for Health Statistics and state vital statistics departments.

High-risk markets

A myriad of different programs across the United States provide insurance to owners of property in high-risk areas who may have difficulty obtaining coverage from the standard insurance market. Residual, shared or involuntary market programs make basic insurance coverage more readily available. Today, property insurance for the residual market is provided by Fair Access to Insurance Requirements (FAIR) plans, beach and windstorm plans, and two state-run insurance companies in Florida and Louisiana: Florida’s Citizens Property Insurance Corp. and Louisiana’s Citizens Property Insurance Corp. Established in the late 1960s to ensure the continued provision of insurance in urban areas, FAIR plans often provide property insurance in both urban and coastal areas. Beach and windstorm plans cover predominantly wind-only risks in designated coastal areas. Over the past four decades FAIR and beach and windstorm plans experienced explosive growth both in the number of policies and in exposure value.

	Number of policies
Year	Habitational	Commercial	Total	Exposure (2) ($000)	Direct premiums written ($000)
2013	2,484,816	64,359	2,549,175	$445,635,335	$3,685,283
2014	2,015,536	61,285	2,076,821	424,732,706	3,029,772
2015	1,728,423	51,443	1,779,866	373,829,442	2,198,182
2016	1,498,430	37,522	1,535,952	343,141,990	1,865,744
2017	1,449,312	29,641	1,478,953	327,209,703	1,747,336
2018	1,339,004	24,484	1,363,488	324,765,281	1,694,115
2019	1,370,999	25,776	1,396,775	350,545,986	1,506,609
2020	1,474,616	22,645	1,497,261	424,815,716	2,196,042
2021	1,729,208	24,352	1,753,560	556,808,169	3,012,193
2022	2,244,317	35,059	2,279,376	837,330,722	4,951,815

(1) Includes the Texas FAIR Plan; Florida’s Citizens Property Insurance Corporation, which includes FAIR and Beach Plans; the Louisiana Citizens Property Insurance Corporation, which includes FAIR and Beach Plans and premiums written after 2007; and North Carolina after 2010.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.

Source: Property Insurance Plans Service Office (PIPSO).

	Number of policies
State	Habitational	Commercial	Total	Exposure (2) ($000)	Direct premiums written ($000)
California	254,478	6,943	261,421	$209,808,071	$649,649
Connecticut	1,159	40	1,199	243,164	$1,731
Delaware	1,078	55	1,133	203,941	462
D.C.	107	10	117	43,954	132
Florida (3)	1,214,351	6,546	1,220,897	422,953,352	3,190,080
Georgia	9,217	326	9,543	1,424,777	12,433
Illinois	2,441	68	2,509	260,925	3,166
Indiana	660	39	699	1,918	1,718
Iowa	794	13	807	54,481	691
Kansas	12,138	166	12,304	794,447	7,132
Kentucky	4,989	221	5,210	229,641	2,681
Louisiana (3)	146,056	8,451	154,507	40,935,450	424,637
Maryland	689	41	730	280,471	583
Massachusetts	197,010	167	197,177	90,572,584	313,923
Michigan	15,270	234	15,504	2,246,608	10,351
Minnesota	3,764	55	3,819	311,237	3,007
Mississippi (4)	2,891	N/A	2,891	170,503	2,085
Missouri	1,954	87	2,041	166,419	1,757
New Jersey	7,593	199	7,792	1,133,706	5,239
New Mexico	7,409	253	7,662	790,570	4,497
New York	20,814	2,383	23,197	6,892,000	26,755
North Carolina	211,662	6,844	218,506	33,404,590	153,287
Ohio	10,930	248	11,178	3,502,565	11,096
Oregon	1,722	69	1,791	355,032	1,359
Pennsylvania	9,462	849	10,311	1,080,321	4,316
Rhode Island	12,859	90	12,949	4,090,489	23,330
Texas (4)	66,488	N/A	66,488	11,301,744	76,881
Virginia	22,118	422	22,540	3,509,847	15,818
Washington	116	82	198	70,150	442
West Virginia	276	44	320	25,984	224
Wisconsin	3,822	114	3,936	471,781	2,353
Total	2,244,317	35,059	2,279,376	$837,330,722	$4,951,815

(1) Excludes the FAIR Plans of Arkansas and Hawaii.
(2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December.
(3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans.
(4) The Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO).

Renters and homeowners demographics

In 2022, 65.2 percent of housing units were owner occupied and 34.8 percent were renter occupied, according to the latest U.S. Census figures.

The nation’s homeowners paid a median of $1,775 monthly housing costs in 2022, compared with $1,300 for renters, according to the latest American Community Survey from the U.S. Census Bureau.

However, renters usually paid a higher percentage of their household income on these costs than did owners, 48.2 percent compared with 27.8 percent of homeowners who spent 30 percent or more of their income on housing costs in 2022. However, renters usually paid a higher percentage of their household income on these costs than did owners, 48.2 percent compared with 27.8 percent of homeowners who spent 30 percent or more of their income on housing costs in 2022.

State	Percent	Rank (1)	State	Percent	Rank (1)
Alabama	70.1%	14	Montana	69.2%	19
Alaska	66.3	32	Nebraska	66.3	32
Arizona	67.7	27	Nevada	60.4	48
Arkansas	66.2	35	New Hampshire	72.4	7
California	55.9	49	New Jersey	63.7	41
Colorado	65.7	37	New Mexico	69.3	18
Connecticut	65.7	37	New York	54.1	50
Delaware	73.6	3	North Carolina	66.3	32
D.C.	39.1	51	North Dakota	63.7	41
Florida	68.1	22	Ohio	67.1	30
Georgia	66.1	36	Oklahoma	65.1	39
Hawaii	62.4	46	Oregon	63.4	44
Idaho	72.5	6	Pennsylvania	69.5	16
Illinois	67.4	28	Rhode Island	64.0	40
Indiana	70.4	13	South Carolina	72.4	7
Iowa	71.8	10	South Dakota	69.4	17
Kansas	66.7	31	Tennessee	67.3	29
Kentucky	68.8	20	Texas	62.6	45
Louisiana	68.1	22	Utah	70.1	14
Maine	74.4	1	Vermont	73.2	5
Maryland	67.9	24	Virginia	67.8	26
Massachusetts	62.3	47	Washington	63.7	41
Michigan	73.7	2	West Virginia	73.5	4
Minnesota	72.0	9	Wisconsin	67.9	24
Mississippi	71.1	12	Wyoming	71.2	11
Missouri	68.8	20	United States	65.2%

(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

In 2022 West Virginia, Maine, Delaware, and Vermont had the highest percentage of owner-occupied housing units.
The District of Columbia had the lowest percentage of owner-occupied units, followed by New York, California, and Nevada.

State	Percent (1)	Rank (2)	State	Percent (1)	Rank (2)
Alabama	23.2%	41	Montana	30.4%	10
Alaska	29.7	13	Nebraska	22.4	45
Arizona	27.6	23	Nevada	30.8	8
Arkansas	22.8	42	New Hampshire	28.1	21
California	38.4	2	New Jersey	31.7	5
Colorado	30.9	7	New Mexico	28.2	19
Connecticut	29.7	13	New York	33.7	4
Delaware	26.1	29	North Carolina	24.9	32
D.C.	23.3	40	North Dakota	19.4	51
Florida	36.2	3	Ohio	21.2	48
Georgia	27.0	24	Oklahoma	25.3	30
Hawaii	40.2	1	Oregon	31.6	6
Idaho	28.5	18	Pennsylvania	24.2	37
Illinois	26.8	25	Rhode Island	29.4	15
Indiana	21.0	49	South Carolina	24.3	35
Iowa	21.6	47	South Dakota	24.6	33
Kansas	24.3	35	Tennessee	24.6	33
Kentucky	22.7	44	Texas	30.2	12
Louisiana	28.8	16	Utah	26.5	28
Maine	28.8	16	Vermont	28.2	19
Maryland	26.7	26	Virginia	25.2	31
Massachusetts	30.7	9	Washington	30.4	10
Michigan	24.0	39	West Virginia	19.8	50
Minnesota	24.2	37	Wisconsin	22.8	42
Mississippi	26.7	26	Wyoming	27.8	22
Missouri	21.9	46	United States	28.5%

(1) Percent of mortgaged owner-occupied housing units spending 30 percent or more of household income on selected owner costs such as all mortgage payments (first mortgage, home equity loans, etc.), real estate taxes, property insurance, utilities, fuel and condominium fees if applicable. (2) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

In 2022, Hawaii, California, New Jersey and Florida, and New York had the highest homeownership costs, based on the percentage of homes in which owners spent 30 percent or more of their income on homeowner-ownership related expenses.
Ohio, Iowa, West Virginia, and Indiana had the lowest costs, based on the percentage of homes in which owners spent 30 percent of more of their income on homeowner-ownership expenses.

State	Percent (1)	Rank (2)	State	Percent (1)	Rank (2)
Alabama	43.6%	35	Montana	41.8%	41
Alaska	40.5	46	Nebraska	40.9	44
Arizona	50.6	6	Nevada	54.0	2
Arkansas	41.2	43	New Hampshire	49.0	14
California	53.3	3	New Jersey	48.5	15
Colorado	50.7	5	New Mexico	44.0	33
Connecticut	49.8	10	New York	48.5	15
Delaware	47.5	18	North Carolina	44.8	28
D.C.	42.5	38	North Dakota	34.1	51
Florida	57.9	1	Ohio	44.2	32
Georgia	49.4	12	Oklahoma	42.8	37
Hawaii	52.1	4	Oregon	50.6	6
Idaho	45.6	22	Pennsylvania	45.5	23
Illinois	43.6	35	Rhode Island	45.0	26
Indiana	45.4	24	South Carolina	46.5	20
Iowa	40.6	45	South Dakota	38.1	49
Kansas	40.4	47	Tennessee	44.7	29
Kentucky	42.2	39	Texas	49.8	10
Louisiana	49.2	13	Utah	44.9	27
Maine	44.7	29	Vermont	44.7	29
Maryland	50.4	8	Virginia	45.7	21
Massachusetts	50.2	9	Washington	48.1	17
Michigan	47.0	19	West Virginia	38.7	48
Minnesota	45.2	25	Wisconsin	41.4	42
Mississippi	43.9	34	Wyoming	37.4	50
Missouri	42.1	40	United States	48.2%

(1) Percent of renter-occupied units spending 30 percent or more on rent and utilities such as electric, gas, water and sewer, and fuel (oil, coal, etc.) if paid by the renter. (2) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Nationwide, 48.2 percent of renters spent at least 30 percent of their household income on rent and utilities in 2022.
In 2022 North Dakota, South Dakota, Wyoming and Alaska had the lowest percentage of rental units in which occupants spent 30 percent or more of their income on rent. Florida, Hawaii, California, Nevada and Colorado had the highest percentage.

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