So far this year, average mortgage rates have stayed stubbornly high, bouncing between 6.5% and 7%, as financial markets weigh the risks of both higher inflation and an economic slowdown. Most homeowners, unable to save money by refinancing, are holding out for bigger rate drops.

Check our interactive map to find today's 30-year mortgage rate average for any U.S. state. Right now, the cheapest states are New York, Hawaii, and Connecticut.