Best placesMonthly Housing Payment

Counties With the Lowest Monthly Housing Payment in the United States (2026)

McDowell has the lowest monthly housing payment of any county in the United States, at $360, followed by Phillips and Wyoming. Source: Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-06. The full ranking of the top 25 counties is below.

Data updated June 2026 - Source: Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized)

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Lowest counties for monthly housing payment in the United States

Top 25 of 3144 counties with data.

Ranked by monthly payment (piti) (Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-06), lowest first.

Lowest counties for monthly housing payment in the United States
RankCountyValue
1McDowell$360
2Phillips$476
3Wyoming$489
4Alexander$514
5Cochran$523
6Bertie$524
7Knott$539
8Coahoma$546
9Washington$554
10Tillman$559
11Mingo$573
12Hardeman$581
13Buchanan$585
14Allendale$589
15Harlan$596
16King$602
17Letcher$602
18Webster$608
19Cottle$614
20Harmon$615
21Breathitt$617
22East Carroll$617
23Brooks$618
24Leflore$634
25Madison$635

How this ranking works

This page ranks every US county by monthly payment (piti), sorted so the lowest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For monthly housing payment, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh monthly housing payment against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of monthly payment (piti).

Related

Counties With the Lowest Monthly Housing Payment, state by state

The same ranking, scoped to a single state.

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