"전국 with mortgage $2,035 (+3.8%) / without $653 — DC $3,181·CA $3,001 / MS $1,448" Census ACS 2024
*US Census Bureau ACS 2024 1-year* *Table B25088 Median Selected Monthly Owner Costs (with mortgage)* + *B25089 (without mortgage)* — *전국 SMOC with mortgage = $2,035* (2023 $1,960 → +3.8%) *median % of income to ownership cost = 21.4%* (renter 31% 대비 ↓). *최고 DC $3,181 / 최저 MS $1,448 = 격차 2.2x*. *SMOC = mortgage + tax + insurance + utility + HOA* — *실제 owner 월부담 종합 지표*. 본 글은 *주별 SMOC 분포 + 한인 가구 월부담 시뮬레이션* 을 *FACT* 로 정리합니다.
1) 2024 ACS SMOC 정의 (FACT)
| 구분 | 포함 항목 | 출처 table |
|---|
| SMOC with mortgage | mortgage payment + real estate tax + insurance + utility + HOA | B25088 |
| SMOC without mortgage | real estate tax + insurance + utility + HOA | B25089 |
| 제외 | maintenance·repair·private mortgage insurance (PMI) | — |
| frequency | monthly basis (지난 12개월 평균) | — |
| 2024 변동 | with mortgage +3.8% nominal | $1,960 → $2,035 |
2) SMOC with Mortgage Top 10 (FACT)
| Rank | State | SMOC with mortgage |
|---|
| 1 | District of Columbia | $3,181 |
| 2 | California | $3,001 |
| 3 | Hawaii | $2,937 |
| 4 | New Jersey | $2,797 |
| 5 | Massachusetts | $2,755 |
| 6 | Maryland | $2,648 |
| 7 | Washington | $2,612 |
| 8 | Connecticut | $2,560 |
| 9 | New York | $2,540 |
| 10 | Colorado | $2,485 |
3) SMOC with Mortgage Bottom 10 (FACT)
| Rank | State | SMOC with mortgage |
|---|
| 51 (최저) | Mississippi | $1,448 |
| 50 | West Virginia | $1,455 |
| 49 | Arkansas | $1,495 |
| 48 | Kentucky | $1,535 |
| 47 | Alabama | $1,555 |
| 46 | Oklahoma | $1,560 |
| 45 | Iowa | $1,580 |
| 44 | Louisiana | $1,610 |
| 43 | Indiana | $1,620 |
| 42 | Kansas | $1,640 |
4) SMOC without Mortgage (free-and-clear) Top·Bottom (FACT)
| 구분 | State | SMOC without mortgage |
|---|
| Top 1 — NJ | New Jersey | $1,265 |
| Top 2 — CT | Connecticut | $1,180 |
| Top 3 — NY | New York | $1,150 |
| Top 4 — IL | Illinois | $985 |
| Top 5 — TX | Texas | $945 |
| 전국 median | US | $653 |
| Bottom 1 — LA | Louisiana | $455 |
| Bottom 2 — MS | Mississippi | $460 |
| Bottom 3 — AL | Alabama | $475 |
| Bottom 4 — WV | West Virginia | $485 |
5) 한인 metro 월 부담 시뮬레이션 ($600K home, 20% down, 6.5% rate) [INFERENCE]
| 주 | 월 mortgage | 월 tax+ins+util | SMOC 추정 |
|---|
| California | $3,030 | ~$1,100 | ~$4,130 |
| New Jersey | $3,030 | ~$1,400 (property tax 2.2%) | ~$4,430 |
| Texas | $3,030 | ~$1,000 (property tax 1.8%) | ~$4,030 |
| Georgia | $3,030 | ~$700 | ~$3,730 |
| Washington | $3,030 | ~$850 (no income tax 상쇄) | ~$3,880 |
| Florida | $3,030 | ~$1,150 (insurance ↑↑) | ~$4,180 |
6) 한인 시사점 [INFERENCE]
- SMOC vs gross income 21.4% — *renter 31% 대비 owner 가 부담 ↓* → *equity build + tax deduction* 효과
- DC·CA·HI $3K+ — *연 gross income $172K+ 필요* (21.4% 적용 시) — 한인 dual income 가구 가능선
- MS·WV·AR $1.4~1.5K — *연 gross income $84K* 면 가능 — *retire/원격근무 한인* 적합
- NJ free-and-clear $1,265 — *모기지 완납해도 월 $1,200+* — *property tax 단독으로 부담* — 한인 부모세대 NJ 보유 시 retire 후 재고
- SMOC ≠ TCO — *maintenance·repair (연 1~3% 집값)* 별도 — *$600K 집 = 연 $6K~18K 추가*
7) 자주 묻는 질문
- Q: SMOC 에 PMI 포함? → No — *B25088 정의상 PMI·MIP 제외* (별도 budget)
- Q: 한인 가구 budget rule? → *SMOC + maintenance + repair ≤ gross income 28%* (front-end DTI)
- Q: with mortgage 와 without 의 격차 = 모기지 본체? → 약 70% 모기지 본체 + 30% (HOA 차이·tax bracket·utility 패턴)
- Q: 한인 부모세대 free-and-clear 후 SMOC? → property tax + insurance + utility = *연 $5~15K* 안정 — *retire income 매칭*
8) 출처
출처: Census Bureau ACS 2024 1-Year Estimates Tables B25088·B25089 (2025-09-11 release). 본 글은 *FACT 기반 통계 요약 + [INFERENCE] 표시 추론* 이며, SMOC = ACS self-report — *실제 escrow account* 와 ±10% 편차 가능.
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