5 Cheapest ZIP Codes for Housing in Every State

The cost of housing can vary greatly from state to state, city to city and even from ZIP code to ZIP code within the same city.

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To find the most affordable ZIP codes for housing in every state, GOBankingRates found the average monthly mortgage payment for the ZIP codes in each state using the average Zillow Home Value Index for single-family homes, and assuming a 10% down payment with a 30-year fixed rate mortgage. ZIP codes were ranked based on the cheapest average monthly mortgage payment.

Here’s a look at the ZIP codes with the most affordable housing in each state.

Alabama

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 36610 (Prichard, AL): $158

2. 36105 (Montgomery, AL): $248

3. 36703 (Selma, AL): $249

4. 36603 (Mobile, AL): $268

5. 36612 (Prichard, AL): $278

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Alaska

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 99639 (Ninilchik, AK): $1,119

2. 99714 (Salcha, AK): $1,187

3. 99663 (Seldovia, AK): $1,361

4. 99676 (Talkeetna, AK): $1,381

5. 99556 (Anchor Point, AK): $1,396

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Arizona

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 85321 (Ajo, AZ): $700

2. 86441 (Dolan Springs, AZ): $712

3. 85192 (Winkelman, AZ): $718

4. 85539 (Miami, AZ): $811

5. 85607 (Douglas, AZ): $923

Arkansas

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 72390 (Helena – West Helena, AR): $197

2. 71601 (Pine Bluff, AR): $276

3. 72342 (Helena – West Helena, AR): $280

4. 72366 (Marvell, AR): $289

5. 71638 (Dermott, AR): $292

California

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 93562 (Trona, CA): $309

2. 96058 (Macdoel, CA): $648

3. 96113 (Herlong, CA): $667

4. 96023 (Dorris, CA): $726

5. 92347 (Hinkley, CA): $812

Colorado

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 81054 (Las Animas, CO): $527

2. 81044 (Hasty, CO): $648

3. 81047 (Holly, CO): $678

4. 80744 (Ovid, CO): $696

5. 81076 (Sugar City, CO): $759

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Connecticut

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 06120 (Hartford, CT): $1,146

2. 06112 (Hartford, CT): $1,213

3. 06519 (New Haven, CT): $1,305

4. 06106 (Hartford, CT): $1,312

5. 06380 (Norwich, CT): $1,327

Delaware

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 19801 (Wilmington, DE): $827

2. 19802 (Wilmington, DE): $1,019

3. 19805 (Wilmington, DE): $1,156

4. 19731 (Port Penn, DE): $1,451

5. 19804 (Wilmington, DE): $1,516

Florida

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 32332 (Quincy, FL): $514

2. 33854 (Lake Wales, FL): $554

3. 32324 (Chattahoochee, FL): $614

4. 32209 (Jacksonville, FL): $645

5. 32206 (Jacksonville, FL): $716

Georgia

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 31815 (Lumpkin, GA): $348

2. 31903 (Columbus, GA): $355

3. 31722 (Berlin, GA): $357

4. 30477 (Wadley, GA): $370

5. 31041 (Oglethorpe, GA): $390

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Hawaii

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 96777 (Pahala, HI): $1,608

2. 96778 (Pahoa, HI): $1,639

3. 96771 (Mountain View, HI): $1,769

4. 96785 (Volcano, HI): $2,029

5. 96760 (Kurtistown, HI): $2,088

Idaho

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 83546 (Pierce, ID): $1,019

2. 83868 (Kellogg, ID): $1,124

3. 83846 (Mullan, ID): $1,175

4. 83553 (Weippe, ID): $1,365

5. 83555 (Winchester, ID): $1,398

Illinois

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 61605 (Peoria, IL): $147

2. 62914 (Cairo, IL): $161

3. 62090 (Venice, IL): $188

4. 62205 (East Saint Louis, IL): $200

5. 62204 (East Saint Louis, IL): $203

Indiana

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 46402 (Gary, IN): $293

2. 46407 (Gary, IN): $300

3. 47305 (Muncie, IN): $314

4. 47382 (Saratoga, IN): $340

5. 47884 (Universal, IN): $345

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Iowa

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 52574 (Mystic, IA): $278

2. 52549 (Cincinnati, IA): $367

3. 50470 (Rowan, IA): $401

4. 50848 (Gravity, IA): $415

5. 50590 (Swea City, IA): $427

Kansas

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 67651 (Natoma, KS): $246

2. 66851 (Florence, KS): $293

3. 67524 (Chase, KS): $313

4. 67070 (Kiowa, KS): $314

5. 67556 (McCracken, KS): $316

Kentucky

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 41669 (Wheelwright, KY): $213

2. 41667 (Weeksbury, KY): $235

3. 40855 (Cumberland, KY): $241

4. 41825 (Jackhorn, KY): $250

5. 41666 (Wayland, KY): $255

Louisiana

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 71103 (Shreveport, LA): $154

2. 71109 (Shreveport, LA): $195

3. 71101 (Shreveport, LA): $219

4. 71108 (Shreveport, LA): $248

5. 71202 (Monroe, LA): $267

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Maine

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 04750 (Limestone, ME): $672

2. 04785 (Van Buren, ME): $672

3. 04742 (Fort Fairfield, ME): $752

4. 04756 (Madawaska, ME): $769

5. 04786 (Washburn, ME): $774

Maryland

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 21223 (Baltimore, MD): $320

2. 21217 (Baltimore, MD): $440

3. 21538 (Kitzmiller, MD): $464

4. 21562 (Westernport, MD): $512

5. 21672 (Toddville, MD): $548

Massachusetts

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 01247 (North Adams, MA): $1,356

2. 01220 (Adams, MA): $1,375

3. 01109 (Springfield, MA): $1,391

4. 01105 (Springfield, MA): $1,407

5. 01104 (Springfield, MA): $1,466

Michigan

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 48505 (Flint, MI): $151

2. 48607 (Saginaw, MI): $218

3. 48504 (Flint, MI): $234

4. 48213 (Detroit, MI): $273

5. 48217 (Detroit, MI): $281

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Minnesota

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 56027 (Elmore, MN): $320

2. 56051 (Kiester, MN): $451

3. 56121 (Ceylon, MN): $508

4. 55782 (Ely, MN): $623

5. 56296 (Wheaton, MN): $625

Mississippi

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 39203 (Jackson, MS): $156

2. 39204 (Jackson, MS): $182

3. 39209 (Jackson, MS): $184

4. 39213 (Jackson, MS): $200

5. 38614 (Clarksdale, MS): $239

Missouri

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 63120 (Saint Louis, MO): $175

2. 63115 (Saint Louis, MO): $214

3. 63107 (Saint Louis, MO): $228

4. 63821 (Arbyrd, MO): $233

5. 63113 (Saint Louis, MO): $285

Montana

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 59326 (Fallon, MT): $808

2. 59417 (Browning, MT): $814

3. 59349 (Terry, MT): $816

4. 59247 (Medicine Lake, MT): $816

5. 59036 (Harlowton, MT): $938

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Nebraska

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 68067 (Walthill, NE): $326

2. 68327 (Chester, NE): $345

3. 68761 (Oakdale, NE): $350

4. 68303 (Alexandria, NE): $365

5. 68055 (Rosalie, NE): $405

Nevada

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 89310 (Austin, NV): $426

2. 89415 (Hawthorne, NV): $672

3. 89318 (McGill, NV): $691

4. 89049 (Tonopah, NV): $713

5. 89835 (Wells, NV): $989

New Hampshire

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 03570 (Berlin, NH): $983

2. 03582 (Northumberland, NH): $1,051

3. 03590 (Stratford, NH): $1,108

4. 03576 (Colebrook, NH): $1,214

5. 03441 (Winchester, NH): $1,353

New Jersey

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 08104 (Camden, NJ): $598

2. 08102 (Camden, NJ): $651

3. 08103 (Camden, NJ): $686

4. 08105 (Camden, NJ): $893

5. 08349 (Port Norris, NJ): $898

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New Mexico

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 88401 (Tucumcari, NM): $445

2. 88026 (Santa Clara, NM): $462

3. 88119 (Fort Sumner, NM): $511

4. 88415 (Clayton, NM): $577

5. 88023 (Bayard, NM): $583

New York

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 13666 (Newton Falls, NY): $274

2. 12952 (Lyon Mountain, NY): $325

3. 14605 (Rochester, NY): $400

4. 12998 (Witherbee, NY): $425

5. 14752 (Lily Dale, NY): $445

North Carolina

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 27872 (Roxobel, NC): $194

2. 27847 (Kelford, NC): $251

3. 27849 (Lewiston Woodville, NC): $256

4. 27983 (Windsor, NC): $278

5. 27890 (Weldon, NC): $312

North Dakota

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 58736 (Drake, ND): $397

2. 58053 (Lidgerwood, ND): $497

3. 58416 (Binford, ND): $500

4. 58793 (Westhope, ND): $511

5. 58356 (New Rockford, ND): $523

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Ohio

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 44506 (Youngstown, OH): $158

2. 44510 (Youngstown, OH): $174

3. 44507 (Youngstown, OH): $189

4. 43608 (Toledo, OH): $224

5. 44502 (Youngstown, OH): $247

Oklahoma

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 73542 (Frederick, OK): $232

2. 73530 (Davidson, OK): $235

3. 73569 (Terral, OK): $239

4. 73550 (Hollis, OK): $244

5. 73749 (Jet, OK): $248

Oregon

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 97641 (Christmas Valley, OR): $771

2. 97907 (Huntington, OR): $964

3. 97720 (Burns, OR): $974

4. 97630 (Lakeview, OR): $1,001

5. 97823 (Condon, OR): $1,038

Pennsylvania

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 15901 (Johnstown, PA): $157

2. 17935 (Girardville, PA): $186

3. 17948 (Mahanoy City, PA): $212

4. 17976 (Shenandoah, PA): $221

5. 17851 (Mount Carmel, PA): $233

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Rhode Island

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 02863 (Central Falls, RI): $1,947

2. 02907 (Providence, RI): $1,986

3. 02909 (Providence, RI): $2,006

4. 02860 (Pawtucket, RI): $2,039

5. 02895 (Woonsocket, RI): $2,060

South Carolina

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 29810 (Allendale, SC): $326

2. 29828 (Gloverville, SC): $346

3. 29546 (Gresham, SC): $369

4. 29178 (Whitmire, SC): $373

5. 29351 (Joanna, SC): $389

South Dakota

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 57642 (McLaughlin, SD): $397

2. 57638 (Lemmon, SD): $534

3. 56219 (Browns Valley, SD): $551

4. 57437 (Eureka, SD): $556

5. 57436 (Doland, SD): $587

Tennessee

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 37137 (Nunnelly, TN): $216

2. 38106 (Memphis, TN): $322

3. 37715 (Clairfield, TN): $348

4. 38126 (Memphis, TN): $355

5. 38108 (Memphis, TN): $361

Learn More: What Income Level Is Considered Middle Class in Your State?

Texas

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 79080 (Skellytown, TX): $288

2. 79544 (Rochester, TX): $303

3. 79547 (Rule, TX): $312

4. 79346 (Morton, TX): $315

5. 79546 (Rotan, TX): $333

Utah

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 84724 (Elsinore, UT): $878

2. 84525 (Elmo, UT): $1,282

3. 84751 (Beaver, UT): $1,296

4. 84537 (Castle Dale, UT): $1,322

5. 84526 (Helper, UT): $1,423

Vermont

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 05906 (Lunenburg, VT): $1,066

2. 05903 (Canaan, VT): $1,209

3. 05837 (East Haven, VT): $1,215

4. 05907 (Warren’s Gore, VT): $1,253

5. 05846 (Brighton, VT): $1,262

Virginia

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 24237 (Dante, VA): $179

2. 24216 (Appalachia, VA): $226

3. 24602 (Bandy, VA): $298

4. 24622 (Jewell Ridge, VA): $314

5. 23395 (Horntown, VA): $315

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Washington

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 98673 (Lyle, WA): $952

2. 99341 (Lind, WA): $1,013

3. 98628 (Klickitat, WA): $1,056

4. 99125 (Endicott, WA): $1,097

5. 99159 (Odessa, WA): $1,115

West Virginia

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 24892 (War, WV): $164

2. 24831 (Northfork, WV): $166

3. 24868 (Northfork, WV): $172

4. 24801 (Welch, WV): $209

5. 24850 (Jolo, WV): $292

Wisconsin

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 53206 (Milwaukee, WI): $396

2. 54550 (Montreal, WI): $625

3. 54534 (Montreal, WI): $628

4. 53801 (Bagley, WI): $661

5. 53204 (Milwaukee, WI): $694

Wyoming

Average monthly mortgage payment in the 5 cheapest ZIP codes:

1. 82643 (Midwest, WY): $350

2. 82945 (Superior, WY): $415

3. 82327 (Hanna, WY): $666

4. 82943 (Rock Springs, WY): $728

5. 82225 (Lusk, WY): $1,007

Photo disclaimer: Photos are for representational purposes only and may not reflect the ZIP codes listed.

Methodology: For this study, GOBankingRates analyzed ZIP codes in every state to find the top five cheapest housing markets in each state. Using the Zillow Home Value Index for single-family homes by ZIP code, the average home values from February 2024 were found. Assuming a 10% down payment and using the national 30-year fixed rate mortgage, as sourced from the Federal Reserve Economic Data, the average mortgage payment was calculated for each ZIP code. The top five cheapest housing market ZIP codes for each state were identified along with the city most closely related to each ZIP code. All data was collected and is up-to-date as of April 4, 2024.

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This article originally appeared on GOBankingRates.com: 5 Cheapest ZIP Codes for Housing in Every State