County ranking · HMDA 2025
Biggest and smallest down payments by county
100% minus the median combined loan-to-value ratio. Ranked among 1,994 counties with at least 100 home-purchase mortgages in 2025.
Biggest typical down payment
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1 | Teton County, WY | 39.0% | 106 |
| 2 | New York County, NY | 28.6% | 4,421 |
| 3 | Marin County, CA | 25.0% | 1,388 |
| 4 | San Francisco County, CA | 25.0% | 3,442 |
| 5 | San Mateo County, CA | 25.0% | 3,597 |
| 6 | Santa Clara County, CA | 25.0% | 8,998 |
| 7 | Valley County, ID | 25.0% | 108 |
| 8 | Kings County, NY | 25.0% | 5,630 |
| 9 | Summit County, UT | 25.0% | 406 |
| 10 | Routt County, CO | 22.0% | 199 |
| 11 | Orange County, CA | 21.9% | 12,538 |
| 12 | Wasatch County, UT | 21.9% | 489 |
| 13 | Eagle County, CO | 21.8% | 377 |
| 14 | Teton County, ID | 21.0% | 117 |
| 15 | Blaine County, ID | 20.4% | 164 |
| 16 | Richmond County, NY | 20.3% | 2,691 |
| 17 | Falls Church city, VA | 20.1% | 148 |
| 18 | Coconino County, AZ | 20.0% | 699 |
| 19 | Yavapai County, AZ | 20.0% | 2,231 |
| 20 | Alameda County, CA | 20.0% | 8,325 |
| 21 | Contra Costa County, CA | 20.0% | 7,646 |
| 22 | El Dorado County, CA | 20.0% | 1,825 |
| 23 | Los Angeles County, CA | 20.0% | 33,298 |
| 24 | Napa County, CA | 20.0% | 620 |
| 25 | Nevada County, CA | 20.0% | 873 |
Smallest typical down payment
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1994 | Portsmouth city, VA | 0.0% | 1,421 |
| 1993 | Hampton city, VA | 0.0% | 1,582 |
| 1992 | Lampasas County, TX | 0.0% | 265 |
| 1991 | Coryell County, TX | 0.0% | 842 |
| 1990 | Bell County, TX | 0.0% | 5,690 |
| 1989 | Comanche County, OK | 0.0% | 1,166 |
| 1988 | Onslow County, NC | 0.0% | 3,441 |
| 1987 | Hoke County, NC | 0.0% | 1,068 |
| 1986 | Cumberland County, NC | 0.0% | 3,472 |
| 1985 | Pulaski County, MO | 0.0% | 609 |
| 1984 | Vernon Parish, LA | 0.0% | 250 |
| 1983 | Christian County, KY | 0.0% | 533 |
| 1982 | Geary County, KS | 0.0% | 481 |
| 1981 | Long County, GA | 0.0% | 487 |
| 1980 | Liberty County, GA | 0.0% | 946 |
| 1979 | Lanier County, GA | 0.0% | 112 |
| 1978 | Russell County, AL | 0.0% | 585 |
| 1977 | Elmore County, ID | 0.1% | 387 |
| 1976 | Curry County, NM | 0.5% | 436 |
| 1975 | Maverick County, TX | 0.6% | 249 |
| 1974 | Franklin city, VA | 1.8% | 153 |
| 1973 | McKenzie County, ND | 1.9% | 107 |
| 1972 | Otero County, NM | 2.6% | 551 |
| 1971 | Norfolk city, VA | 3.0% | 2,529 |
| 1970 | Newport News city, VA | 3.0% | 1,633 |
- Counties where home buyers earn the most and least
- Largest and smallest home-purchase loans by county
- Highest and lowest financed home values by county
- Highest and lowest mortgage loan costs by county
- Highest and lowest mortgage rates by county
- Counties with the highest and lowest mortgage denial rates
- Where FHA loans are most and least common
Source: FFIEC/CFPB HMDA 2025 public LAR; owner-occupied single-family site-built homes, first-lien closed-end purchase loans. Methodology