Map Reveals States Where Mortgage Debt Rising Fastest
Summary
A WalletHub analysis showed that mortgage debt grew fastest in Alaska, Delaware, and Maine at the end of 2025. The report also highlighted that average U.S. mortgage debt is about $109,000, with total mortgage balances reaching $13.2 trillion, as home prices and mortgage rates remain high.Key Facts
- Alaska had the largest percentage increase in average mortgage debt at 2.52%, with balances around $248,013 and monthly payments of $2,078.
- Delaware’s average mortgage debt increased by 2.51% to $210,542, with monthly payments averaging $1,689.
- Maine’s mortgage debt rose 1.98% to about $209,936, with monthly payments near $1,723.
- The report ranked states based on changes in mortgage debt and average mortgage balance and payments.
- The average U.S. household owes about $109,000 in mortgage debt.
- Total U.S. mortgage debt reached $13.2 trillion by late 2025.
- A separate ConsumerAffairs analysis showed that average individual debt across mortgages, auto loans, credit cards, and student loans rose from $32,840 in 2003 to $63,200 in 2025.
- Utah had the highest debt-to-income ratio, while Louisiana had the highest serious mortgage delinquency rate.
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