Hawaii ranked second nationally at $2,735 per month, followed by Massachusetts at $2,668.

At the opposite end of the spectrum, West Virginia ranked as the nation’s most affordable state for household bills. West Virginia homeowners only had monthly expenses totaling $1,116. The state also posted the lowest bills-to-income ratio nationally at 22%.

The report also found that lower monthly costs do not necessarily translate into greater affordability.

Mississippi and Arkansas ranked among the 10 least expensive states in raw household bill costs at $1,547 and $1,580 per month. However, both states ranked among the nation’s most financially burdened because household income levels lag behind expenses. In Mississippi, essential bills consume 33% of median household income. Yet, Arkansas households spend 31%.

Meanwhile, Utah and Virginia reported monthly household bill totals at or above the national median at $2,100 and $2,258, respectively. Yet, they ranked among the 10 least burdened states because stronger income levels offset the costs. In both states, household bills account for 27% of median household income.

The findings come as housing affordability remains a central challenge across the mortgage industry. Alongside elevated mortgage rates and home prices, borrowers are also contending with rising utility costs, insurance premiums, and other recurring household expenses that increasingly affect monthly budgets.

The report also highlighted major regional disparities in overall household spending. Connecticut ranked eighth nationally for household bill costs at $2,392 per month, while New York ranked seventh at $2,450.

doxo said its analysis is based on anonymized bill payment data collected from more than 10 million consumers across 97% of U.S. ZIP codes.

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