Housing Costs After Divorce by State (2026)
One of the biggest financial decisions in divorce is what to do with the house. The answer depends heavily on your state — property taxes, insurance, and home values vary dramatically. Below is a comparison of housing costs for all 50 states and DC.
| State | Median home | Property tax | Insurance/yr | Closing cost | Total/month | Details |
|---|---|---|---|---|---|---|
| Alabama | $195,000 | 0.39% | $4,637 | 1.10% | $1,557 | Calculator |
| Alaska | $330,000 | 1.19% | $1,323 | 0.54% | $2,311 | Calculator |
| Arizona | $395,000 | 0.62% | $2,605 | 1.20% | $2,663 | Calculator |
| Arkansas | $175,000 | 0.62% | $5,045 | 1.50% | $1,504 | Calculator |
| California | $740,000 | 0.71% | $1,348 | 1.00% | $4,750 | Calculator |
| Colorado | $530,000 | 0.51% | $4,075 | 0.86% | $3,573 | Calculator |
| Connecticut | $380,000 | 1.98% | $2,306 | 1.80% | $2,976 | Calculator |
| Delaware | $330,000 | 0.56% | $976 | 5.80% | $2,108 | Calculator |
| District of Columbia | $640,000 | 0.56% | $1,289 | 4.30% | $4,039 | Calculator |
| Florida | $390,000 | 0.86% | $10,240 | 1.80% | $3,347 | Calculator |
| Georgia | $310,000 | 0.88% | $2,261 | 1.10% | $2,175 | Calculator |
| Hawaii | $830,000 | 0.28% | $601 | 0.90% | $4,955 | Calculator |
| Idaho | $420,000 | 0.63% | $1,675 | 0.90% | $2,744 | Calculator |
| Illinois | $270,000 | 2.18% | $3,164 | 1.20% | $2,287 | Calculator |
| Indiana | $230,000 | 0.84% | $3,094 | 0.99% | $1,724 | Calculator |
| Iowa | $200,000 | 1.52% | $2,381 | 1.10% | $1,587 | Calculator |
| Kansas | $220,000 | 1.41% | $3,713 | 1.00% | $1,817 | Calculator |
| Kentucky | $200,000 | 0.84% | $3,233 | 1.10% | $1,545 | Calculator |
| Louisiana | $205,000 | 0.55% | $8,497 | 1.00% | $1,966 | Calculator |
| Maine | $340,000 | 1.30% | $1,424 | 1.60% | $2,417 | Calculator |
| Maryland | $400,000 | 1.04% | $2,633 | 4.00% | $2,837 | Calculator |
| Massachusetts | $570,000 | 1.15% | $2,066 | 1.90% | $3,954 | Calculator |
| Michigan | $235,000 | 1.44% | $2,206 | 2.70% | $1,800 | Calculator |
| Minnesota | $330,000 | 1.10% | $2,402 | 1.50% | $2,376 | Calculator |
| Mississippi | $165,000 | 0.79% | $5,166 | 1.00% | $1,476 | Calculator |
| Missouri | $225,000 | 0.97% | $2,994 | 1.06% | $1,709 | Calculator |
| Montana | $420,000 | 0.74% | $4,913 | 0.90% | $3,052 | Calculator |
| Nebraska | $235,000 | 1.65% | $6,269 | 1.50% | $2,179 | Calculator |
| Nevada | $430,000 | 0.53% | $1,212 | 1.30% | $2,732 | Calculator |
| New Hampshire | $440,000 | 1.86% | $1,152 | 1.50% | $3,275 | Calculator |
| New Jersey | $470,000 | 2.40% | $1,774 | 1.70% | $3,756 | Calculator |
| New Mexico | $290,000 | 0.69% | $1,787 | 1.00% | $1,962 | Calculator |
| New York | $420,000 | 1.68% | $1,556 | 4.50% | $3,102 | Calculator |
| North Carolina | $320,000 | 0.78% | $3,756 | 1.10% | $2,337 | Calculator |
| North Dakota | $250,000 | 0.98% | $2,261 | 0.90% | $1,812 | Calculator |
| Ohio | $210,000 | 1.56% | $2,076 | 2.00% | $1,638 | Calculator |
| Oklahoma | $195,000 | 0.87% | $7,683 | 1.00% | $1,888 | Calculator |
| Oregon | $470,000 | 0.93% | $1,083 | 1.00% | $3,122 | Calculator |
| Pennsylvania | $270,000 | 1.53% | $2,334 | 4.90% | $2,071 | Calculator |
| Rhode Island | $400,000 | 1.53% | $2,090 | 1.60% | $2,955 | Calculator |
| South Carolina | $275,000 | 0.57% | $3,103 | 1.20% | $1,950 | Calculator |
| South Dakota | $280,000 | 1.28% | $3,615 | 0.46% | $2,189 | Calculator |
| Tennessee | $290,000 | 0.64% | $2,931 | 1.20% | $2,045 | Calculator |
| Texas | $290,000 | 1.68% | $6,854 | 1.50% | $2,623 | Calculator |
| Utah | $480,000 | 0.58% | $1,456 | 0.90% | $3,078 | Calculator |
| Vermont | $350,000 | 1.83% | $1,054 | 2.20% | $2,608 | Calculator |
| Virginia | $380,000 | 0.80% | $2,679 | 1.30% | $2,634 | Calculator |
| Washington | $570,000 | 0.93% | $1,475 | 2.70% | $3,800 | Calculator |
| West Virginia | $145,000 | 0.58% | $1,719 | 1.30% | $1,036 | Calculator |
| Wisconsin | $270,000 | 1.68% | $1,388 | 1.20% | $2,026 | Calculator |
| Wyoming | $310,000 | 0.57% | $1,891 | 0.86% | $2,064 | Calculator |
What most people miss
Most people focus on the mortgage payment when deciding whether to keep the house. But property taxes, insurance, and maintenance add up fast — and they vary wildly by state.
Insurance is the hidden cost. In Florida, the average homeowner pays $10,240/year in insurance — more than many people pay in property taxes. In Oklahoma ($7,683), Nebraska ($6,269), and Louisiana ($8,497), insurance is also a major expense. By contrast, Hawaii homeowners pay just $601/year.
Closing costs vary 10x. If you sell in South Dakota, closing costs are just 0.46% of the sale price. In Delaware (5.80%) or Pennsylvania (4.90%), they eat significantly into your equity.
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Not financial or legal advice. DivorceSmart is an educational planning tool. Always consult a qualified attorney and financial advisor before making settlement decisions.
From uncertainty to clarity in 3 steps
No account required. No credit card. Just your numbers.
Enter your numbers
Settlement amount, income, expenses, alimony, house — takes about 2 minutes. Everything runs privately in your browser.
See the projection
Get a year-by-year chart showing your net worth from now through age 100. Green, yellow, or red — you'll know where you stand instantly.
Model & export
Test different settlement terms to find which saves you the most money, compare offers side-by-side, and export a report for your attorney.
Every projection is deterministic — same inputs always produce the same outputs. Results are estimates based on the assumptions you provide.
See what a Pro analysis looks like
We built a complete Pro analysis for a fictional person named Sarah. Explore every section — charts, what-if scenarios, risk timeline, negotiation leverage — so you can see what’s included before running your own numbers.
You don’t need a $5,000 CDFA retainer to understand your own numbers
Start with the free projection. If the numbers raise questions you can’t answer, upgrade to Pro for $19 — one-time, no subscription — and discover which settlement terms could save you thousands.
Not financial or legal advice. DivorceSmart is an educational planning tool. Always consult a qualified attorney and financial advisor before making settlement decisions.