The best and worst states to save for a home down payment

Navigating the path to homeownership can look very different depending on where you live. Recent research found a $30,000 difference in the amount needed to save for a 5% down payment across various states—a gap shaped by factors like local income levels, housing costs, taxes, and available homes. Some states manage a better balance, making that first step more attainable, while others present bigger hurdles with higher prices and fewer options. As the KC Mortgage Duo, our approach is always about clarity and guidance—helping our clients understand how these numbers impact their unique journey. We believe in making the process transparent and tailored, so you can move forward with confidence, no matter where you call home.