So these are just estimates.

I based this on today's rates using mortgage news daily's website average rate of 6.5%

I assumed a 5% down payment

I assumed a 0.25% mortgage insurance factor (since this scenario doesn't have 20% down)

and I'm using average rates for property taxes and homeowners insurance for the state individually.

Under those rules, here are the home prices that could get a $2,000 monthly payment for you.

State	Home Price
DE	$293,686
NV	$290,821
HI	$289,925
WV	$289,623
ID	$288,920
UT	$288,495
WY	$284,413
OR	$277,494
AZ	$277,229
CA	$276,894
AK	$274,529
WA	$274,423
TN	$274,311
ME	$273,284
VA	$272,383
NM	$271,295
MD	$270,575
SC	$269,984
AL	$269,741
NY	$269,331
IN	$269,018
VT	$267,734
NC	$267,153
GA	$266,075
MA	$265,724
NH	$265,113
MT	$264,622
MO	$263,871
PA	$261,597
CO	$261,586
AR	$261,442
RI	$261,312
WI	$261,099
OH	$258,021
MI	$257,653
MS	$256,276
NJ	$254,801
MN	$253,423
CT	$252,963
KY	$252,317
ND	$251,337
IA	$249,235
SD	$247,198
LA	$239,910
IL	$232,606
TX	$227,993
OK	$227,692
KS	$227,035
FL	$221,417
NE	$211,334

I thought I'd include a chart to help you compare that to the average home value in the state.

For example, in Hawaii you might be able to keep your payment at $2,000 and get a bigger purchase price than the majority of the other states, but there is a huge discrepancy between the average home value, and what a $2,000 payment can get you.

Here's what I'm trying to say:

You probably can't find anything in Hawaii for $289,925

Part 2: compared to the state average home value

State	price for $2k pmt	Average Home Value
DE	$293,686	$377,000
NV	$290,821	$496,000
HI	$289,925	$743,000
WV	$289,623	$170,000
ID	$288,920	$433,000
UT	$288,495	$589,000
WY	$284,413	$320,000
OR	$277,494	$522,000
AZ	$277,229	$436,000
CA	$276,894	$833,000
AK	$274,529	$345,000
WA	$274,423	$630,000
TN	$274,311	$389,000
ME	$273,284	$375,000
VA	$272,383	$412,000
NM	$271,295	$371,000
MD	$270,575	$412,000
SC	$269,984	$404,000
AL	$269,741	$220,000
NY	$269,331	$576,000
IN	$269,018	$253,000
VT	$267,734	$375,000
NC	$267,153	$380,000
GA	$266,075	$375,000
MA	$265,724	$615,000
NH	$265,113	$502,000
MT	$264,622	$528,000
MO	$263,871	$263,000
PA	$261,597	$301,000
CO	$261,586	$582,000
AR	$261,442	$223,000
RI	$261,312	$485,000
WI	$261,099	$299,000
OH	$258,021	$249,000
MI	$257,653	$249,000
MS	$256,276	$255,000
NJ	$254,801	$526,000
MN	$253,423	$407,000
CT	$252,963	$429,000
KY	$252,317	$235,000
ND	$251,337	$350,000
IA	$249,235	$239,000
SD	$247,198	$326,000
LA	$239,910	$239,000
IL	$232,606	$289,000
TX	$227,993	$340,000
OK	$227,692	$246,000
KS	$227,035	$252,000
FL	$221,417	$417,000
NE	$211,334	$360,000

Part 3: sorted by states with the most realistic chance of getting a $2,000 monthly payment or less

Just to be clear, anyone can achieve a $2,000 monthly payment in any state if you have a HUGE down payment.

But under the rules I set for this example (5% down payment) here is the ranking of the states with the best chance of getting a decent home for a payment of $2,000 or less.

Ranking	State
1	WV
2	AL
3	AR
4	KY
5	IN
6	IA
7	OH
8	MI
9	MS
10	LA
11	MO
12	OK
13	KS
14	WY
15	WI
16	PA
17	IL
18	AK
19	SD
20	DE
21	ND
22	NM
23	ME
24	VT
25	GA
26	TX
27	NC
28	TN
29	SC
30	VA
31	MD
32	ID
33	NE
34	MN
35	AZ
36	CT
37	FL
38	NV
39	RI
40	NH
41	OR
42	MT
43	NJ
44	UT
45	NY
46	CO
47	MA
48	WA
49	HI
50	CA

I counted it up.

only the top 11 states in this chart have an average home value to where you could realistically get a mortgage payment of $2,000 or less without putting more than 5% down payment.