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Rankings · Least Affordable States The Honest Local Affordability Score

California Is the Least Affordable of Any State (2026)

California is the least affordable of the 50 states we rank, with an Affordability Score of 14.1 out of 100 (Zillow, Census, BEA, 2026). New York is next, with an Affordability Score of 17.3.

By The Honest Local · 50 states · every value links to its public source
14.1California has the lowest Affordability Score, all 50 statesWhat a household actually pays for a home, the basics and taxes, weighed against what people there earn, blended into one number.
California
California, No. 1 of 50.
The top five states Affordability Score out of 100, and the readings behind it

Least Affordable States on the map

Affordability Score, states hover for the numbers, click for every one
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The Honest Local's own recipe, housing and everyday costs weighed against local income and taxes, blended into one score, with cities and states ranked separately.

Least Affordable States, all 50

The full ranking most score, 0 to 100
PlaceAffordability Scoreout of 100HousingEverydayTaxes
1California14.1
6.575.963030
2New York17.3
181817171717
3Hawaii24.5
4.652.936666
4New Jersey25.8
292922222626
5Massachusetts27.3
141428284141
6Rhode Island30.2
222232323737
7Oregon33.6
202025255555
8Washington34.7
191935355050
9Maine34.9
303027274848
10Vermont36.7
474730303333
11Connecticut38.4
545428283333
12Illinois44.2
878724242222
13Colorado44.7
292945456060
14Montana45.3
121258586767
15New Hampshire45.5
404030306767
16Minnesota45.7
737335352929
17Idaho46
171753536868
18Utah47.1
282854546060
19New Mexico48.3
464653534646
20Alaska49.5
656512127171
21Maryland49.8
696932324949
22Nevada50.5
262655557171
23Arizona52.5
393954546565
24Virginia52.9
595939396161
25Wisconsin53.6
626257574242
26Pennsylvania53.8
808027275454
27Florida54.1
434351516969
28Georgia56.6
676757574646
29Delaware58
525251517171
30Missouri58.2
777758584040
31North Carolina59.2
575760606060
32Michigan59.4
848441415353
33South Carolina60.2
616167675353
34Texas61.1
757562624646
35Alabama61.5
787857575050
36Kansas63
919171712828
37Tennessee63.4
515178786161
38Ohio64.5
898957574848
39Nebraska65.1
828272724141
39South Dakota65.1
666664646666
41Wyoming65.9
484862628787
42North Dakota68
767673735555
43Iowa69.3
939367674949
44West Virginia69.9
959550506565
45Oklahoma70.2
909081814040
46Arkansas72.7
797988885252
47Indiana73.7
868673736363
48Mississippi74.2
888876765858
49Louisiana76.6
868691915252
50Kentucky76.7
848477776969
Sources and method
  1. Zillow Observed Rent Index · 2026
  2. Zillow Home Value Index
  3. Census American Community Survey, median household income
  4. BEA Regional Price Parities
  5. AAA gas prices, metro and state averages
  6. EIA residential electricity prices
  7. Tax Foundation, state and local sales tax rates, 2026
  8. Tax Foundation, state income tax rates, 2026
  9. Census American Community Survey, property taxes and home values

How we got this. The Affordability Score is The Honest Local’s own recipe. Each source ranks every place on its own from 0 to 100 and the score is the average, so a place has to do well on all of them to lead. We don't publish a cost of living number pulled from one source. We blend three groups, each ranked on its own against every other place that has it, then averaged. Housing is the typical rent over a year and the typical home value, each as a share of the median household income there. Everyday costs are the federal price parity for goods, the best free read on groceries and basics at the metro level, plus the price of gas and of household electricity. Taxes are the combined state and local sales tax, the top state income tax rate on wages (Washington taxes only capital gains, so it reads zero) and the effective property tax rate. Each of those eight figures ranks every place on its own from 0 to 100, with a lower cost or tax always scoring higher. A group's score is the average of the figures it has, and the final score is the average of the three groups. A place missing a whole group is scored on the rest, never handed a fake zero. Rank 1 is the most affordable. Cities and states rank as two separate lists, never against each other. It refreshes monthly, with the yearly figures (income, price parities, tax rates) updated as each agency publishes.

Rankings by The Honest Local from public data, one page per list, refreshed on each source’s own cycle. Places with no reading are left out rather than estimated. Every value on this page carries its source in the page’s structured data.

Photos Shutterstock/UladzikKryhin · Shutterstock.