The Cost To Own a 3-Bedroom Home in Every State

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The three-bedroom house is something of a standard for many American families. They’re a great fit for a family of four, but those bedrooms can just as easily become home gyms, art studios or the ever-popular home office in this age of remote working. If you want enough space for your family but don’t want to buy too much house, three bedrooms can be that simple compromise that splits the difference.

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But the price of a three-bedroom home is not the same everywhere you go. Depending on the state you call home, the typical three-bedroom house can list at anywhere from about $149,000 to more than $900,000. That’s why GOBankingRates compiled a study to track the affordability of the three-bedroom house across America.

The states are ranked based on the average monthly mortgage payment for three-bedroom homes — from least to most expensive. For additional context, GOBankingRates included a variety of other important factors that affect overall affordability, like the average size of a 20% down payment and the average effective property tax rate.

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The end result is a clearer picture of which states offer a friendly market for those shopping for a modest family home and which will price most people out of the market before they start looking.

StanRohrer / iStock.com

StanRohrer / iStock.com

West Virginia

  • Average 3-bedroom home value: $140,636

  • 20% down payment: $28,127

  • Average effective state property tax: 0.53%

  • Monthly mortgage payment: $666

  • Annual mortgage cost: $7,992

peeterv / Getty Images/iStockphoto

peeterv / Getty Images/iStockphoto

Mississippi

  • Average 3-bedroom home value: $167,152

  • 20% down payment: $33,430

  • Average effective state property tax: 0.63%

  • Monthly mortgage payment: $806

  • Annual mortgage cost: $9,672

Svineyard / Shutterstock.com

Svineyard / Shutterstock.com

Oklahoma

  • Average 3-bedroom home value: $174,939

  • 20% down payment: $34,988

  • Average effective state property tax: 0.83%

  • Monthly mortgage payment: $872

  • Annual mortgage cost: $10,464

ChrisBoswell / iStock.com

ChrisBoswell / iStock.com

Alabama

  • Average 3-bedroom home value: $197,896

  • 20% down payment: $39,579

  • Average effective state property tax: 0.37%

  • Monthly mortgage payment: $911

  • Annual mortgage cost: $10,932

pisaphotography / Shutterstock.com

pisaphotography / Shutterstock.com

Louisiana

  • Average 3-bedroom home value: $199,802

  • 20% down payment: $39,960

  • Average effective state property tax: 0.51%

  • Monthly mortgage payment: $943

  • Annual mortgage cost: $11,316

Anne Kitzman / Shutterstock.com

Anne Kitzman / Shutterstock.com

Kentucky

  • Average 3-bedroom home value: $191,595

  • 20% down payment: $38,319

  • Average effective state property tax: 0.78%

  • Monthly mortgage payment: $947

  • Annual mortgage cost: $11,364

BlazenImages / Getty Images/iStockphoto

BlazenImages / Getty Images/iStockphoto

Arkansas

  • Average 3-bedroom home value: $200,131

  • 20% down payment: $40,026

  • Average effective state property tax: 0.61%

  • Monthly mortgage payment: $961

  • Annual mortgage cost: $11,532

Cafer Akdeniz / Shutterstock.com

Cafer Akdeniz / Shutterstock.com

Kansas

  • Average 3-bedroom home value: $194,090

  • 20% down payment: $38,818

  • Average effective state property tax: 1.28%

  • Monthly mortgage payment: $1,041

  • Annual mortgage cost: $12,492

felixmizioznikov / Getty Images/iStockphoto

felixmizioznikov / Getty Images/iStockphoto

Iowa

  • Average 3-bedroom home value: $190,223

  • 20% down payment: $38,045

  • Average effective state property tax: 1.43%

  • Monthly mortgage payment: $1,044

  • Annual mortgage cost: $12,528

Bradwhitsitt / Shutterstock.com

Bradwhitsitt / Shutterstock.com

Indiana

  • Average 3-bedroom home value: $210,195

  • 20% down payment: $42,039

  • Average effective state property tax: 0.81%

  • Monthly mortgage payment: $1,045

  • Annual mortgage cost: $12,540

Davel5957 / Getty Images/iStockphoto

Davel5957 / Getty Images/iStockphoto

Ohio

  • Average 3-bedroom home value: $193,700

  • 20% down payment: $38,740

  • Average effective state property tax: 1.52%

  • Monthly mortgage payment: $1,077

  • Annual mortgage cost: $12,924

Meinphoto / Shutterstock.com

Meinphoto / Shutterstock.com

Missouri

  • Average 3-bedroom home value: $223,155

  • 20% down payment: $44,631

  • Average effective state property tax: 0.96%

  • Monthly mortgage payment: $1,137

  • Annual mortgage cost: $13,644

pawel.gaul / Getty Images/iStockphoto

pawel.gaul / Getty Images/iStockphoto

Michigan

  • Average 3-bedroom home value: $224,786

  • 20% down payment: $44,957

  • Average effective state property tax: 1.31%

  • Monthly mortgage payment: $1,211

  • Annual mortgage cost: $14,532

DenisTangneyJr / iStock.com

DenisTangneyJr / iStock.com

North Dakota

  • Average 3-bedroom home value: $245,750

  • 20% down payment: $49,150

  • Average effective state property tax: 0.88%

  • Monthly mortgage payment: $1,236

  • Annual mortgage cost: $14,832

wbritten / Getty Images/iStockphoto

wbritten / Getty Images/iStockphoto

South Carolina

  • Average 3-bedroom home value: $264,348

  • 20% down payment: $52,870

  • Average effective state property tax: 0.53%

  • Monthly mortgage payment: $1,263

  • Annual mortgage cost: $15,156

Shutterstock.com

Shutterstock.com

Pennsylvania

  • Average 3-bedroom home value: $243,264

  • 20% down payment: $48,653

  • Average effective state property tax: 1.43%

  • Monthly mortgage payment: $1,335

  • Annual mortgage cost: $16,020

Jakich / Getty Images/iStockphoto

Jakich / Getty Images/iStockphoto

Nebraska

  • Average 3-bedroom home value: $240,854

  • 20% down payment: $48,171

  • Average effective state property tax: 1.54%

  • Monthly mortgage payment: $1,343

  • Annual mortgage cost: $16,116

Pgiam / iStock.com

Pgiam / iStock.com

Georgia

  • Average 3-bedroom home value: $267,962

  • 20% down payment: $53,592

  • Average effective state property tax: 0.87%

  • Monthly mortgage payment: $1,345

  • Annual mortgage cost: $16,140

turtix / Shutterstock.com

turtix / Shutterstock.com

New Mexico

  • Average 3-bedroom home value: $285,168

  • 20% down payment: $57,034

  • Average effective state property tax: 0.59%

  • Monthly mortgage payment: $1,365

  • Annual mortgage cost: $16,380

sframephoto / Getty Images/iStockphoto

sframephoto / Getty Images/iStockphoto

Tennessee

  • Average 3-bedroom home value: $286,943

  • 20% down payment: $57,389

  • Average effective state property tax: 0.63%

  • Monthly mortgage payment: $1,383

  • Annual mortgage cost: $16,596

Shutterstock.com

Shutterstock.com

North Carolina

  • Average 3-bedroom home value: $282,453

  • 20% down payment: $56,491

  • Average effective state property tax: 0.78%

  • Monthly mortgage payment: $1,397

  • Annual mortgage cost: $16,764

ElsvanderGun / iStock.com

ElsvanderGun / iStock.com

South Dakota

  • Average 3-bedroom home value: $267,796

  • 20% down payment: $53,559

  • Average effective state property tax: 1.14%

  • Monthly mortgage payment: $1,404

  • Annual mortgage cost: $16,848

DenisTangneyJr / iStock.com

DenisTangneyJr / iStock.com

New York

  • Average 3-bedroom home value: $263,811

  • 20% down payment: $52,762

  • Average effective state property tax: 1.30%

  • Monthly mortgage payment: $1,421

  • Annual mortgage cost: $17,052

Henryk Sadura / Shutterstock.com

Henryk Sadura / Shutterstock.com

Wisconsin

  • Average 3-bedroom home value: $255,497

  • 20% down payment: $51,099

  • Average effective state property tax: 1.53%

  • Monthly mortgage payment: $1,423

  • Annual mortgage cost: $17,076

Ken Schulze / Shutterstock.com

Ken Schulze / Shutterstock.com

Wyoming

  • Average 3-bedroom home value: $304,883

  • 20% down payment: $60,977

  • Average effective state property tax: 0.51%

  • Monthly mortgage payment: $1,439

  • Annual mortgage cost: $17,268

Graves Creative Design / Shutterstock.com

Graves Creative Design / Shutterstock.com

Delaware

  • Average 3-bedroom home value: $304,146

  • 20% down payment: $60,829

  • Average effective state property tax: 0.59%

  • Monthly mortgage payment: $1,456

  • Annual mortgage cost: $17,472

pics721 / Shutterstock.com

pics721 / Shutterstock.com

Illinois

  • Average 3-bedroom home value: $246,366

  • 20% down payment: $49,273

  • Average effective state property tax: 1.97%

  • Monthly mortgage payment: $1,462

  • Annual mortgage cost: $17,544

Brett Taylor / Getty Images/iStockphoto

Brett Taylor / Getty Images/iStockphoto

Virginia

  • Average 3-bedroom home value: $305,715

  • 20% down payment: $61,143

  • Average effective state property tax: 0.84%

  • Monthly mortgage payment: $1,527

  • Annual mortgage cost: $18,324

irabassi / Getty Images/iStockphoto

irabassi / Getty Images/iStockphoto

Texas

  • Average 3-bedroom home value: $273,188

  • 20% down payment: $54,638

  • Average effective state property tax: 1.60%

  • Monthly mortgage payment: $1,537

  • Annual mortgage cost: $18,444

Shutterstock.com

Shutterstock.com

Minnesota

  • Average 3-bedroom home value: $321,335

  • 20% down payment: $64,267

  • Average effective state property tax: 1.05%

  • Monthly mortgage payment: $1,661

  • Annual mortgage cost: $19,932

vintagepix / Getty Images/iStockphoto

vintagepix / Getty Images/iStockphoto

Alaska

  • Average 3-bedroom home value: $333,120

  • 20% down payment: $66,624

  • Average effective state property tax: 0.98%

  • Monthly mortgage payment: $1,703

  • Annual mortgage cost: $20,436

Jon Bilous / Shutterstock.com

Jon Bilous / Shutterstock.com

Maryland

  • Average 3-bedroom home value: $345,636

  • 20% down payment: $69,127

  • Average effective state property tax: 1.01%

  • Monthly mortgage payment: $1,775

  • Annual mortgage cost: $21,300

Shutterstock.com

Shutterstock.com

Florida

  • Average 3-bedroom home value: $367,190

  • 20% down payment: $73,438

  • Average effective state property tax: 0.86%

  • Monthly mortgage payment: $1,840

  • Annual mortgage cost: $22,080

FrankvandenBergh / Getty Images/iStockphoto

FrankvandenBergh / Getty Images/iStockphoto

Maine

  • Average 3-bedroom home value: $356,075

  • 20% down payment: $71,215

  • Average effective state property tax: 1.20%

  • Monthly mortgage payment: $1,885

  • Annual mortgage cost: $22,620

Cartier / Shutterstock.com

Cartier / Shutterstock.com

Connecticut

  • Average 3-bedroom home value: $339,079

  • 20% down payment: $67,816

  • Average effective state property tax: 1.73%

  • Monthly mortgage payment: $1,945

  • Annual mortgage cost: $23,340

Shutterstock.com

Shutterstock.com

Arizona

  • Average 3-bedroom home value: $406,287

  • 20% down payment: $81,257

  • Average effective state property tax: 0.60%

  • Monthly mortgage payment: $1,948

  • Annual mortgage cost: $23,376

Sean Pavone / Shutterstock.com

Sean Pavone / Shutterstock.com

Vermont

  • Average 3-bedroom home value: $347,145

  • 20% down payment: $69,429

  • Average effective state property tax: 1.76%

  • Monthly mortgage payment: $2,000

  • Annual mortgage cost: $24,000

LPETTET / Getty Images/iStockphoto

LPETTET / Getty Images/iStockphoto

Nevada

  • Average 3-bedroom home value: $428,265

  • 20% down payment: $85,653

  • Average effective state property tax: 0.56%

  • Monthly mortgage payment: $2,039

  • Annual mortgage cost: $24,468

picmax / Getty Images/iStockphoto

picmax / Getty Images/iStockphoto

Idaho

  • Average 3-bedroom home value: $456,517

  • 20% down payment: $91,303

  • Average effective state property tax: 0.65%

  • Monthly mortgage payment: $2,208

  • Annual mortgage cost: $26,496

Wendell Guy / Shutterstock.com

Wendell Guy / Shutterstock.com

Connecticut

  • Average 3-bedroom home value: $339,079

  • 20% down payment: $67,816

  • Average effective state property tax: 1.73%

  • Monthly mortgage payment: $1,945

  • Annual mortgage cost: $23,340

Jon Bilous / Shutterstock.com

Jon Bilous / Shutterstock.com

Montana

  • Average 3-bedroom home value: $455,754

  • 20% down payment: $91,151

  • Average effective state property tax: 0.74%

  • Monthly mortgage payment: $2,238

  • Annual mortgage cost: $26,856

solepsizm / Shutterstock.com

solepsizm / Shutterstock.com

Rhode Island

  • Average 3-bedroom home value: $416,006

  • 20% down payment: $83,201

  • Average effective state property tax: 1.37%

  • Monthly mortgage payment: $2,262

  • Annual mortgage cost: $27,144

Shutterstock.com

Shutterstock.com

Utah

  • Average 3-bedroom home value: $511,435

  • 20% down payment: $102,287

  • Average effective state property tax: 0.56%

  • Monthly mortgage payment: $2,435

  • Annual mortgage cost: $29,220

JPL Designs / Shutterstock.com

JPL Designs / Shutterstock.com

Oregon

  • Average 3-bedroom home value: $491,227

  • 20% down payment: $98,245

  • Average effective state property tax: 0.91%

  • Monthly mortgage payment: $2,482

  • Annual mortgage cost: $29,784

Shutterstock.com

Shutterstock.com

New Jersey

  • Average 3-bedroom home value: $414,889

  • 20% down payment: $82,978

  • Average effective state property tax: 2.13%

  • Monthly mortgage payment: $2,518

  • Annual mortgage cost: $30,216

Christopher Sprake / Shutterstock.com

Christopher Sprake / Shutterstock.com

New Hampshire

  • Average 3-bedroom home value: $431,835

  • 20% down payment: $86,367

  • Average effective state property tax: 1.89%

  • Monthly mortgage payment: $2,535

  • Annual mortgage cost: $30,420

Sean Xu / Shutterstock.com

Sean Xu / Shutterstock.com

Colorado

  • Average 3-bedroom home value: $544,002

  • 20% down payment: $108,800

  • Average effective state property tax: 0.52%

  • Monthly mortgage payment: $2,572

  • Annual mortgage cost: $30,864

Richard Cavalleri / Shutterstock.com

Richard Cavalleri / Shutterstock.com

Massachusetts

  • Average 3-bedroom home value: $541,463

  • 20% down payment: $108,293

  • Average effective state property tax: 1.06%

  • Monthly mortgage payment: $2,804

  • Annual mortgage cost: $33,648

Shutterstock.com

Shutterstock.com

Washington

  • Average 3-bedroom home value: $579,211

  • 20% down payment: $115,842

  • Average effective state property tax: 0.84%

  • Monthly mortgage payment: $2,893

  • Annual mortgage cost: $34,716

Nicolas McComber / iStock.com

Nicolas McComber / iStock.com

California

  • Average 3-bedroom home value: $728,128

  • 20% down payment: $145,626

  • Average effective state property tax: 0.70%

  • Monthly mortgage payment: $3,552

  • Annual mortgage cost: $42,624

7maru / Shutterstock.com

7maru / Shutterstock.com

Hawaii

  • Average 3-bedroom home value: $911,290

  • 20% down payment: $182,258

  • Average effective state property tax: 0.31%

  • Monthly mortgage payment: $4,149

  • Annual mortgage cost: $49,788

More From GOBankingRates

This article originally appeared on GOBankingRates.com: The Cost To Own a 3-Bedroom Home in Every State