Saving for a home: The states where a 10% down payment comes together fastest

Saving a 10% down payment fastest occurs in states like Iowa and Ohio due to moderate home prices and solid incomes, while high-cost states like California and New York take over twice as long. A 10% down payment with PMI is common on conventional loans, easing entry compared to 20%, which doubles saving time. The 2026 outlook shows slightly lower rates (~6.3%), rising inventory, and moderated price growth, improving affordability modestly.