The average American homeowner must work 14 days each month just to afford their mortgage payments, let alone any other expenses. Across the country, however, the number of working days required ranges from half the national average to more than double.

Today's Homeowner used data on median hourly wages and median home listing prices to calculate the number of working hours needed to cover monthly mortgage costs across the US. Using these findings, Visual Capitalist mapped how many eight-hour days homeowners in each state must work per month to afford their mortgages.

Residents of Hawaii face the least affordable mortgages, with the average homeowner needing to work 33 eight-hour days to make their monthly payments of $6,030. You read that right: they'd need to work for more days than there are in a month, including weekends, to cover their mortgage costs alone.

The least expensive state is West Virginia, where the $1,028 monthly mortgage payments only take seven days to pay off if you're earning the local median wage. That's half as many days as the national average.

Mississippi, Oklahoma, Iowa and Arkansas are tied for second-most affordable mortgage, with each state's homeowners able to make their mortgage payments with just nine days' worth of wages.

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Via Voronoi.