Figures from workbook 81b672f1 · build c1a8f7c.
One adult, renter track, national monthly margin -$2,475.
August 2026 CPI-U 12-month change is 3.397 percent.
National monthly margins for all four housing paths. Figures are whole dollars per month. This summary remains available if the interactive report does not load. Interactive template fields are stored for JavaScript and are not missing published numbers. The ZIP lookup uses the HUD USPS ZIP-to-CD file, not the Census ZCTA overlay.
| Income group | Renter | Owner blended | Owner mortgage | Owner paid off |
|---|---|---|---|---|
| One adult | -$2,475 | -$2,067 | -$2,639 | -$1,244 |
| Two adults | -$1,964 | -$1,556 | -$2,128 | -$733 |
| Median household | -$959 | -$551 | -$1,124 | $271 |
| Senior 65+ | -$529 | -$121 | -$693 | $702 |
| Senior couple 65+ | -$474 | -$66 | -$638 | $757 |
| Social Security | -$2,936 | -$2,528 | -$3,100 | -$1,705 |
| Two Social Security | -$3,842 | -$3,434 | -$4,006 | -$2,611 |
| ZORI rent | $1,935 |
|---|---|
| Blended SMOC | $1,528 |
| Marketplace premium, one person | $736 |
| Medicare Part B | $203 |
| Essentials, one person | $2,882 |
| Essentials, two people | $4,710 |
Monthly margins for the median household in every state, August 2026 edition, whole dollars per month. A negative number means required costs are larger than net income. Each state name opens that state’s page with its districts. The list of all states and the district directory cover every state and congressional district.
| State | Renter | Owner blended | Owner mortgage | Owner paid off |
|---|---|---|---|---|
| Alabama | -$1,376 | -$899 | -$1,432 | -$443 |
| Alaska | -$706 | -$408 | -$1,052 | $487 |
| Arizona | -$633 | -$294 | -$824 | $476 |
| Arkansas | -$1,566 | -$1,119 | -$1,618 | -$700 |
| California | -$1,282 | -$838 | -$1,506 | $666 |
| Colorado | -$151 | -$62 | -$553 | $1,116 |
| Connecticut | -$1,161 | -$979 | -$1,517 | -$78 |
| Delaware | -$1,259 | -$704 | -$1,157 | $97 |
| Florida | -$1,624 | -$860 | -$1,492 | -$181 |
| Georgia | -$1,073 | -$688 | -$1,183 | $84 |
| Hawaii | -$1,324 | -$494 | -$1,410 | $810 |
| Idaho | -$489 | -$2 | -$499 | $696 |
| Illinois | -$1,056 | -$697 | -$1,220 | $0 |
| Indiana | -$612 | -$301 | -$656 | $238 |
| Iowa | -$134 | -$39 | -$470 | $452 |
| Kansas | -$851 | -$663 | -$1,182 | -$117 |
| Kentucky | -$1,403 | -$1,005 | -$1,488 | -$523 |
| Louisiana | -$1,507 | -$1,045 | -$1,699 | -$541 |
| Maine | -$1,833 | -$1,042 | -$1,573 | -$472 |
| Maryland | $450 | $474 | $27 | $1,632 |
| Massachusetts | -$482 | $92 | -$476 | $1,222 |
| Michigan | -$806 | -$450 | -$921 | $57 |
| Minnesota | -$134 | -$15 | -$491 | $770 |
| Mississippi | -$1,961 | -$1,309 | -$1,901 | -$936 |
| Missouri | -$861 | -$566 | -$1,005 | -$17 |
| Montana | -$1,122 | -$624 | -$1,291 | -$57 |
| Nebraska | -$668 | -$569 | -$1,062 | -$4 |
| Nevada | -$614 | -$391 | -$844 | $537 |
| New Hampshire | $234 | $631 | $68 | $1,436 |
| New Jersey | -$641 | -$326 | -$962 | $659 |
| New Mexico | -$1,596 | -$1,053 | -$1,700 | -$578 |
| New York | -$2,199 | -$1,038 | -$1,807 | -$153 |
| North Carolina | -$1,112 | -$649 | -$1,143 | $5 |
| North Dakota | $159 | $298 | -$427 | $745 |
| Ohio | -$668 | -$376 | -$785 | $150 |
| Oklahoma | -$1,107 | -$806 | -$1,343 | -$327 |
| Oregon | -$1,104 | -$939 | -$1,483 | -$14 |
| Pennsylvania | -$807 | -$455 | -$999 | $135 |
| Rhode Island | -$750 | -$433 | -$857 | $477 |
| South Carolina | -$1,134 | -$480 | -$1,005 | $85 |
| South Dakota | -$195 | -$2 | -$585 | $478 |
| Tennessee | -$1,192 | -$658 | -$1,196 | -$83 |
| Texas | -$480 | -$378 | -$1,081 | $362 |
| Utah | $313 | $434 | $18 | $1,471 |
| Vermont | -$1,711 | -$1,227 | -$1,696 | -$626 |
| Virginia | -$255 | $90 | -$437 | $1,150 |
| Washington | -$57 | $102 | -$485 | $1,232 |
| West Virginia | -$2,551 | -$1,953 | -$2,542 | -$1,676 |
| Wisconsin | -$722 | -$545 | -$990 | $47 |
| Wyoming | -$1,564 | -$1,162 | -$1,766 | -$557 |
The margin is net income minus required costs.
Where rankings appear, they are produced by the same formula for all 435 districts, never by editorial selection.
The basket is a market-price standard: current asking rent and unsubsidized average marketplace premiums. It can run above what a settled household pays, and the methodology states this.
The market-rent line is the one non-federal input, the Zillow Observed Rent Index, labeled wherever it appears. Each build pins the newest release available at build time, one month behind the report month.
The Senior couple 65+ row uses Census household income for householders 65 and older, scaled to two-or-more-person senior households (ACS 5-year 2024 and PUMS). The Two Social Security row uses the Social Security Administration published aged-couple average benefit. Neither row doubles a one-person figure.
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