Map Reveals States Where Mortgage Debt Rising Fastest
A WalletHub analysis found that Alaska, Delaware, and Maine experienced the fastest growth in mortgage debt from Q3 to Q4 2025. Alaska saw the highest percentage increase in average mortgage balance, followed closely by Delaware and Maine. Rising mortgage balances and high interest rates are contributing to uneven housing market pressures across states.
- ▪Alaska's average mortgage balance rose 2.52 percent to $248,013, with an average monthly payment of $2,078.
- ▪Delaware's mortgage balance increased 2.51 percent to $210,542 and ranked 33rd in national affordability.
- ▪Maine's average mortgage balance grew 1.98 percent to $209,936, resulting in an average monthly payment of about $1,723.
- ▪WalletHub ranked states using a 100-point scale, with 70 points based on change in mortgage debt and 30 on average balance and payment.
- ▪Utah had the highest debt-to-income ratio at 199.4 percent, while Louisiana had the highest serious mortgage delinquency rate at 1.83 percent.
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By Joe EdwardsLive News ReporterShareNewsweek is a Trust Project memberSee more of our trusted coverage when you search.Prefer Newsweek on Googleto see more of our trusted coverage when you search.A recent analysis by personal finance website WalletHub found Alaska, Delaware and Maine led the nation for increases in mortgage debt at the end of 2025, highlighting uneven pressures across state housing markets.The report, based on data from the third to the fourth quarter of 2025, ranked all 50 states by the change in mortgage debt and by average balances and payments, offering a state-by-state snapshot.Why It MattersMortgage debt is the largest category of consumer debt, with the average U.S.
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