Americans owe nearly $13.2 trillion on their mortgages, and the personal-finance company WalletHub today released its report on the States Adding the Most Mortgage Debt to show where homeowners are struggling the most. WalletHub compared the 50 states based on its proprietary data on mortgage debt from Q3 2025 to Q4 2025.
| Largest Increase | Smallest Increase |
| 1. Alaska | 41. Iowa |
| 2. Delaware | 42. North Carolina |
| 3. Maine | 43. Illinois |
| 4. Nevada | 44. Mississippi |
| 5. California | 45. Rhode Island |
| 6. South Carolina | 46. Kansas |
| 7. Florida | 47. New Mexico |
| 8. New Hampshire | 48. West Virginia |
| 9. New Jersey | 49. North Dakota |
| 10. Texas | 50. Vermont |
For the full report, please visit:
https://wallethub.com/edu/
“Mortgage interest rates are the highest they’ve been in around a decade, and home prices have seen a meteoric rise in recent years as well. Even small increases in home prices can lead to thousands of dollars in extra mortgage interest costs for homeowners, so it’s important to choose wisely when deciding where and when to buy a house.”
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“Alaska residents added the most mortgage debt from Q3 2025 to Q4 2025, at least in percentage terms, with the average balance rising by 2.52% to $248,013. Only one other state had an increase above 2%, and 19 states even saw decreases during Q4.”
- John Kiernan, WalletHub Editor
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