Most the cheapest American states depending on the essential monthly costs

In May, Bill Pay Service Doxo published his 2025 Cost of invoiceswhich falls down Cost of comparative households across the country.

The report focused on the 13 most common household categories:

• Mortgage
• To rent out
• Automatic loan
• Gas
• Electric
• Water and sewer
• Waste and recycling
• Car insurance
• Cable, internet and phone
• Health insurance
• Mobile phone
• Alarm and security
• Life insurance

To determine the classification, Doxo compared the median cost of invoices for the most common household in the United States. They used the number 100 to represent the national average in the index. Then, the States were allocated to a number greater or less than 100 depending on the way in which they in relation to the national average.

The Doxo index found that the average American household spends $ 24,695 per year on the 13 essential household invoices. The median mortgage is $ 1,775, while the median rent is $ 1,453.

“We have a different economic environment from what we had two or three years ago, the most acute in categories that have an impact on consumer debt because interest rates are different,” said Steve Shivers, founder and CEO of Doxo, told CNBC.

“The cost of mobility is much higher. People must be much more careful and thought about on discretionary expenses. The debt categories have changed spectacularly that the start of a new important purchase is something that most consumers, especially at the moment, with much more uncertainty, will be much more conservative,” he adds at this time.

“This obviously has wider economic implications because if consumption expenditure slows down, it waves through many things.”

California dethroned Hawaii as the most expensive state according to the cost of household monthly bills. Residents spend $ 2,854 to 39% above the national average.

The Doxo report found that California household bills are $ 9,588 per year higher than the American median. In the Golden State, household invoices represent 33% of the annual household income from California residents of $ 104,029.

“California is in a way a double -edged sword. You have high housing costs, and in addition to this, each category of invoices in California is higher than the national median,” said Shivers.

1. California
2. Hawaii
3. New Jersey
4. Massachusetts
5. Maryland

For the third consecutive year, Virginia-Western has classified itself as the cheapest state based on monthly costs.

The average cost of invoices in Virginia -Western is $ 1,149 per month – 44% lower than the American median. The report also revealed that household bills represent 23% of the annual household income of $ 59,859 in the state.

“Virginia-Western is remarkable because the cost of invoices is always lower than any other state and it is not a surprise. It is a state where the cost of living is lower, but its economy is still in difficulty. It suffers from trying to create diversity beyond certain traditional industries,” said Shivers.

“You do not want to move into a state and just exploit the fact that it has a decent salary. You want to move into a state where you can say that we will provide new jobs and where we know that we can be convinced that our employees can have a decent salary and a reasonable quality of life,” he adds.

The mountain state has also classified as the cheapest state to live for 2024, according to The best states for the study of the United States of CNBC for the United States.

1. Virginie-Western
2. Mississippi
3. Oklahoma
4. Arkansas
5. New Mexico

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