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Mapped: Countries Ranked by Rule of Law in 2026

2026-11-13 01:24:10

How Countries Compare on Rule of Law in 2026

Key Takeaways:

  • Rule of law declined in 62% of countries in 2026, marking the ninth consecutive year of global deterioration.
  • Denmark ranks first with a score of 0.90, while Venezuela ranks last at 0.26.
  • The United States fell three places to 30th, with its score declining 1.8%, widening its gap with Canada.

The rule of law means that governments, institutions, and individuals are accountable to laws applied fairly and consistently.

The World Justice Project’s 2026 Rule of Law Index measures this across 143 countries using eight factors, including constraints on government power, corruption, fundamental rights, security, regulatory enforcement, and civil and criminal justice.

Ranking Countries Based on Rule of Law

The following table ranks countries by their 2026 Rule of Law Index scores, ranging from zero (weakest) to one (strongest).

Rank Country / Jurisdiction 2026 Overall Score
1 🇩🇰 Denmark 0.90
2 🇳🇴 Norway 0.89
3 🇫🇮 Finland 0.87
4 🇸🇪 Sweden 0.86
5 🇱🇺 Luxembourg 0.83
6 🇩🇪 Germany 0.83
7 🇳🇿 New Zealand 0.83
8 🇮🇪 Ireland 0.82
9 🇳🇱 Netherlands 0.82
10 🇪🇪 Estonia 0.82
11 🇦🇹 Austria 0.80
12 🇦🇺 Australia 0.80
13 🇨🇦 Canada 0.80
14 🇸🇬 Singapore 0.79
15 🇯🇵 Japan 0.78
16 🇱🇹 Lithuania 0.78
17 🇧🇪 Belgium 0.78
18 🇬🇧 United Kingdom 0.78
19 🇱🇻 Latvia 0.75
20 🇰🇷 Korea, Rep. 0.74
21 🇨🇿 Czechia 0.73
22 🇺🇾 Uruguay 0.72
23 🇫🇷 France 0.72
24 🇭🇰 Hong Kong SAR, China 0.71
25 🇪🇸 Spain 0.71
26 🇸🇮 Slovenia 0.68
27 🇵🇹 Portugal 0.68
28 🇨🇾 Cyprus 0.67
29 🇲🇹 Malta 0.67
30 🇺🇸 United States 0.67
31 🇨🇷 Costa Rica 0.67
32 🇵🇱 Poland 0.67
33 🇧🇧 Barbados 0.66
34 🇨🇱 Chile 0.66
35 🇮🇹 Italy 0.66
36 🇦🇪 United Arab Emirates 0.64
37 🇰🇳 St. Kitts and Nevis 0.64
38 🇸🇰 Slovak Republic 0.64
39 🇦🇬 Antigua and Barbuda 0.64
40 🇷🇼 Rwanda 0.64
41 🇶🇦 Qatar 0.62
42 🇻🇨 St. Vincent and the Grenadines 0.62
43 🇱🇨 St. Lucia 0.62
44 🇭🇷 Croatia 0.61
45 🇷🇴 Romania 0.61
46 🇳🇦 Namibia 0.61
47 🇬🇷 Greece 0.60
48 🇲🇺 Mauritius 0.60
49 🇧🇼 Botswana 0.60
50 🇬🇩 Grenada 0.59
51 🇧🇸 The Bahamas 0.59
52 🇰🇼 Kuwait 0.58
53 🇲🇾 Malaysia 0.57
54 🇩🇲 Dominica 0.57
55 🇬🇪 Georgia 0.57
56 🇯🇲 Jamaica 0.57
57 🇲🇪 Montenegro 0.57
58 🇸🇳 Senegal 0.56
59 🇽🇰 Kosovo 0.56
60 🇿🇦 South Africa 0.56
61 🇯🇴 Jordan 0.55
62 🇬🇭 Ghana 0.55
63 🇧🇬 Bulgaria 0.55
64 🇦🇷 Argentina 0.54
65 🇲🇰 North Macedonia 0.54
66 🇲🇩 Moldova 0.53
67 🇰🇿 Kazakhstan 0.53
68 🇲🇳 Mongolia 0.53
69 🇲🇼 Malawi 0.52
70 🇧🇦 Bosnia and Herzegovina 0.52
71 🇳🇵 Nepal 0.52
72 🇵🇦 Panama 0.52
73 🇹🇹 Trinidad and Tobago 0.52
74 🇱🇰 Sri Lanka 0.51
75 🇮🇩 Indonesia 0.51
76 🇧🇷 Brazil 0.51
77 🇩🇴 Dominican Republic 0.50
78 🇭🇺 Hungary 0.50
79 🇺🇿 Uzbekistan 0.50
80 🇹🇭 Thailand 0.50
81 🇬🇾 Guyana 0.50
82 🇻🇳 Vietnam 0.50
83 🇸🇷 Suriname 0.50
84 🇧🇿 Belize 0.49
85 🇩🇿 Algeria 0.49
86 🇬🇲 The Gambia 0.49
87 🇺🇦 Ukraine 0.49
88 🇮🇳 India 0.48
89 🇹🇳 Tunisia 0.48
90 🇲🇦 Morocco 0.48
91 🇦🇱 Albania 0.48
92 🇨🇳 China 0.48
93 🇵🇪 Peru 0.47
94 🇧🇯 Benin 0.47
95 🇷🇸 Serbia 0.46
96 🇨🇴 Colombia 0.46
97 🇵🇭 Philippines 0.46
98 🇵🇾 Paraguay 0.45
99 🇰🇬 Kyrgyz Republic 0.45
100 🇰🇪 Kenya 0.45
101 🇧🇫 Burkina Faso 0.45
102 🇪🇨 Ecuador 0.45
103 🇱🇷 Liberia 0.45
104 🇧🇾 Belarus 0.44
105 🇹🇿 Tanzania 0.44
106 🇬🇹 Guatemala 0.44
107 🇨🇮 Côte d'Ivoire 0.44
108 🇿🇲 Zambia 0.44
109 🇱🇧 Lebanon 0.44
110 🇸🇱 Sierra Leone 0.44
111 🇲🇬 Madagascar 0.43
112 🇹🇬 Togo 0.42
113 🇦🇴 Angola 0.42
114 🇸🇻 El Salvador 0.42
115 🇭🇳 Honduras 0.41
116 🇳🇪 Niger 0.41
117 🇹🇷 Türkiye 0.41
118 🇬🇳 Guinea 0.40
119 🇬🇦 Gabon 0.40
120 🇳🇬 Nigeria 0.40
121 🇷🇺 Russian Federation 0.40
122 🇿🇼 Zimbabwe 0.40
123 🇧🇩 Bangladesh 0.39
124 🇨🇬 Congo, Rep. 0.39
125 🇲🇽 Mexico 0.39
126 🇺🇬 Uganda 0.38
127 🇲🇱 Mali 0.38
128 🇮🇷 Iran, Islamic Rep. 0.37
129 🇲🇿 Mozambique 0.37
130 🇧🇴 Bolivia 0.37
131 🇵🇰 Pakistan 0.36
132 🇲🇷 Mauritania 0.36
133 🇪🇹 Ethiopia 0.36
134 🇨🇲 Cameroon 0.35
135 🇪🇬 Egypt, Arab Rep. 0.35
136 🇨🇩 Congo, Dem. Rep. 0.33
137 🇲🇲 Myanmar 0.33
138 🇸🇩 Sudan 0.33
139 🇳🇮 Nicaragua 0.32
140 🇰🇭 Cambodia 0.31
141 🇭🇹 Haiti 0.31
142 🇦🇫 Afghanistan 0.31
143 🇻🇪 Venezuela, RB 0.26

Northern Europe dominates the top of the rankings, with Denmark (0.90), Norway (0.89), and Finland (0.87) taking the first three spots. At the opposite end, Venezuela (0.26), Afghanistan, and Haiti occupy the bottom three positions.

Why Is Rule of Law Declining Globally?

The following countries experienced the largest annual declines in their rule of law scores:

Rank Country Annual Change (%)
1 🇭🇹 Haiti -5.6%
2 🇹🇿 Tanzania -3.6%
3 🇸🇩 Sudan -2.8%
4 🇲🇽 Mexico -2.7%
5 🇨🇴 Colombia -2.5%
6 🇳🇮 Nicaragua -2.5%
7 🇮🇷 Iran, Islamic Rep. -2.3%
8 🇮🇩 Indonesia -2.3%
9 🇪🇨 Ecuador -2.2%
10 🇵🇰 Pakistan -2.1%

According to the World Justice Project, weakening checks on executive power, political interference in courts, and shrinking civic freedoms are contributing to the prolonged decline.

Freedom of expression deteriorated in 64% of countries, while freedom of assembly declined in 67%. These trends also threaten press freedom, limiting the ability of citizens and journalists to scrutinize governments.

Meanwhile, the following countries recorded the largest improvements:

Rank Country Annual Change (%)
1 🇱🇻 Latvia +1.6%
2 🇹🇹 Trinidad and Tobago +1.2%
3 🇬🇹 Guatemala +1.1%
4 🇱🇷 Liberia +0.9%
5 🇭🇷 Croatia +0.9%
6 🇰🇳 St. Kitts and Nevis +0.8%
7 🇩🇿 Algeria +0.8%
8 🇻🇨 St. Vincent and the Grenadines +0.8%
9 🇿🇼 Zimbabwe +0.7%
10 🇧🇴 Bolivia +0.7%

Latvia led with a 1.6% increase in its overall score, followed by Trinidad and Tobago (+1.2%) and Guatemala (+1.1%). Liberia and Croatia also registered gains of 0.9% each, showing that progress remains possible despite the broader global trend.

Why Is the U.S. Falling Behind Canada?

Canada ranks 13th globally with a score of 0.80, compared with the United States in 30th place at 0.67. The gap reflects differences in institutional checks, legal protections, and government accountability.

One of the weaker areas for the U.S. is fundamental rights, where it ranks 49th globally.

Separately, International IDEA reports that several American democracy indicators have reached 50-year lows. These institutional pressures also raise questions about public trust in news and information.

Europe Leads, While Asia and the Middle East Diverge

Northern and Western Europe generally maintain strong scores, reflecting established judicial oversight and institutional accountability.

Asia shows greater variation, with Singapore scoring 0.79 and Japan 0.78, compared with China’s 0.48. Similarly, the UAE scores 0.64, while Iran stands at 0.37. These differences illustrate the wide range of legal and institutional conditions within regions.

Learn More on the Voronoi App

Explore Visualizing Law and Order Around the World to discover how legal institutions and accountability compare across countries.

Mapped: The U.S. States With the Most School Funding

2026-11-12 23:58:43

How Public School Funding Compares Across U.S. States

Key Takeaways

  • New York ($37,469) and Washington, D.C. ($36,698) lead the U.S. in public school funding per student.
  • State and local sources supply nearly 90% of public school funding nationwide.
  • Property wealth, state funding policies, and labor costs help explain differences between school systems.

Public schools across the United States receive an average of $21,065 in funding per student, but the amount varies considerably depending on where students live.

This map compares public school funding per student across all 50 states and Washington, D.C., using 2023–24 figures from the National Center for Education Statistics (NCES). The figures measure revenue received from local, state, and federal sources rather than spending exclusively on classroom instruction.

The Northeast Leads in School Funding

The Northeast leads the nation in public school funding per student. New York tops the rankings at $37,469, followed by Washington, D.C. ($36,698), Vermont ($32,346), and New Jersey ($30,916).

Connecticut and Massachusetts also rank among the top six, highlighting the region’s concentration of well-funded public school systems.

At the other end, North Carolina received $13,227 per student, narrowly below Idaho ($13,319). This means New York received nearly three times as much funding per student as North Carolina.

The table below ranks U.S. states and Washington, D.C., by public school funding per student in 2024.

Rank State or District Public-school funding
per student, $ (2024)
1 New York 37,469
2 D.C. 36,698
3 Vermont 32,346
4 New Jersey 30,916
5 Connecticut 28,075
6 Massachusetts 27,933
7 Hawaii 26,135
8 Illinois 26,107
9 New Hampshire 25,270
10 California 25,265
11 Pennsylvania 25,025
12 Rhode Island 24,706
13 Maryland 23,944
14 New Mexico 23,280
15 Wyoming 23,008
16 Maine 22,556
17 Delaware 22,207
18 Oregon 22,098
19 Washington 21,944
20 Alaska 21,927
21 Michigan 21,318
22 Minnesota 21,146
23 North Dakota 20,776
24 Ohio 19,930
25 Colorado 19,695
26 West Virginia 19,583
27 Virginia 19,333
28 Wisconsin 19,259
29 South Carolina 19,163
30 Louisiana 18,884
31 Nevada 18,619
32 Nebraska 18,541
33 Kansas 18,500
34 Georgia 18,497
35 Missouri 17,774
36 Alabama 17,408
37 Iowa 17,353
38 Indiana 17,113
39 Kentucky 16,976
40 Montana 16,813
41 Florida 16,653
42 South Dakota 16,476
43 Texas 16,159
44 Arkansas 15,555
45 Tennessee 15,440
46 Mississippi 15,256
47 Arizona 15,211
48 Oklahoma 14,244
49 Utah 14,095
50 Idaho 13,319
51 North Carolina 13,227
-- 🇺🇸 U.S. average 21,065

Funding differences are also substantial among the nation’s most populous states. California received $25,265 per student, roughly $9,100 more than Texas and $8,600 more than Florida.

Higher funding does not necessarily translate into proportionately greater resources, however. Regional differences in wages and purchasing power affect how far education dollars go. Several Northeastern states also rank among the best-performing states in education, although funding alone does not explain those outcomes.

The Importance of Property Tax

School funding depends heavily on decisions made close to home. State and local sources supplied over 88% of public school revenue nationwide in 2023–24, with federal funding providing the remainder.

Local funding relies substantially on property taxes. Districts with more valuable homes and commercial property can raise more money at the same tax rate than districts with smaller tax bases. State aid formulas often aim to narrow this gap by directing more support toward districts with less capacity to raise revenue.

States also make choices about which students need additional resources. California, for example, provides supplemental funding for English learners, students from low-income families, and foster youth, with additional funding where those students represent a large share of enrollment. As a result, statewide averages can conceal substantial differences between districts.

What School Funding Actually Pays For

Education is labor-intensive. Salaries and employee benefits accounted for 77% of day-to-day public school spending in 2023–24. These expenses support teachers, classroom aides, counselors, bus drivers, maintenance staff, and other school employees.

The cost of providing these services varies by location. Schools operate in different labor markets, and regional wage differences affect how much funding is needed to hire staff. A larger budget in a high-cost area does not necessarily translate into a proportionately larger workforce.

Student needs and geography also influence costs. Special education, language support, and transportation can require additional resources, while small or isolated districts have fewer students over whom to spread fixed expenses. Understanding whether funding is sufficient therefore requires considering the services schools must provide, alongside the dollars they receive.

Learn More on the Voronoi App

To learn more about Americans’ views on federal education policy, check out 2/3 of Americans Say Hands Off the Department of Education on Voronoi.

Ranked: Monthly Fuel Costs of America’s Top Vehicles

2026-11-12 22:09:00

How Much Does It Cost to Fuel America’s Most Popular Vehicles?

Key Takeaways

  • The Chevrolet Silverado has the highest estimated monthly fuel cost at $245, while the Tesla Model 3 and Model Y have the lowest energy costs at $43 each.
  • All six electric vehicles in the comparison cost $70 or less per month to charge at home, based on 900 miles of driving.
  • Hybrid versions can deliver significant fuel savings compared to their gasoline counterparts, depending on the model.

A vehicle’s sticker price is only part of what drivers pay over time. Fuel efficiency and powertrain choice can make a significant difference in ongoing expenses, even between versions of the same model.

This visualization compares the estimated monthly fuel and electricity costs of 30 versions of popular U.S. vehicles, including pickup trucks, SUVs, sedans, and electric cars.

The figures come from Kadoa, using underlying information from the U.S. Environmental Protection Agency, U.S. Energy Information Administration, and Cox Automotive.

The calculations assume 900 miles of driving per month, using U.S. gasoline prices as of October 19, 2026, and electricity rates from August 2026. Electric vehicle costs assume home charging.

Pickup Trucks Have the Highest Fuel Costs

Diesel-powered pickup trucks top the ranking, with the Chevrolet Silverado having the highest estimated monthly fuel cost at $245, followed closely by the GMC Sierra at $240. The gasoline-powered Ford F-Series ranks third at $203 per month.

Model Version Monthly cost
Chevrolet Silverado Diesel $245
GMC Sierra Diesel $240
Ford F-Series Gas $203
Ford F-Series Hybrid $164
Ford Maverick Gas $157
Ford Maverick Hybrid $104
Toyota Tacoma Hybrid $167
Jeep Wrangler Hybrid $153
Jeep Grand Cherokee Hybrid $128
Kia Sportage Gas $148
Kia Sportage Hybrid $101
Hyundai Tucson Gas $143
Hyundai Tucson Hybrid $104
Honda CR-V Gas $131
Honda CR-V Hybrid $104
Honda Civic Gas $113
Honda Civic Hybrid $79
Toyota Corolla Hybrid $81
Honda Accord Hybrid $84
Hyundai Elantra Hybrid $74
Subaru Forester Hybrid $110
Subaru Crosstrek Hybrid $107
Toyota RAV4 Hybrid $94
Toyota Prius Hybrid $73
Rivian R1S Electric $70
Hyundai Ioniq 5 Electric $54
Chevrolet Equinox EV Electric $53
Toyota bZ Electric $44
Tesla Model 3 Electric $43
Tesla Model Y Electric $43

Larger pickup trucks tend to have higher fuel costs because of their weight, size, and fuel consumption. The estimates also highlight differences between powertrains, with the hybrid Ford F-Series costing $39 less per month than its gasoline counterpart.

Hybrids Offer Significant Savings Over Gasoline Models

Comparing gasoline and hybrid versions of the same model reveals some of the clearest savings. The Ford Maverick’s estimated monthly fuel cost falls from $157 for gasoline to $104 for the hybrid, a difference of $53 per month or $636 a year.

The hybrid Kia Sportage costs $101 per month versus $148 for its gasoline counterpart, while the Honda Civic hybrid comes in at $79 versus $113.

While hybrid versions generally carry a higher upfront purchase price, their improved fuel efficiency can help offset that premium over time, particularly for drivers covering more miles.

Electric Vehicles Have the Lowest Monthly Energy Costs

Electric vehicles occupy all six of the cheapest positions in the dataset, with estimated monthly charging costs ranging from $43 to $70. The Tesla Model 3 and Model Y tie for the lowest figure at $43 each, followed by the Toyota bZ at $44.

These figures reflect energy expenses rather than total vehicle ownership costs. Purchase prices, insurance, maintenance, and charging arrangements can all affect the overall economics of owning an electric vehicle. Drivers who rely on public fast charging may also face higher electricity costs than those assumed in this comparison.

Which Cars Are Leading U.S. Sales?

Despite their higher fuel costs, pickup trucks remain among America’s best-selling vehicles.

According to GoodCarBadCar, the Ford F-Series led U.S. sales with approximately 562,000 units sold through September 2026, followed by the Chevrolet Silverado at 423,000 and the Honda CR-V at 337,000.

In the electric vehicle market, the Tesla Model Y maintained a substantial lead, with an estimated 262,491 U.S. sales, more than double the Model 3’s 106,962, according to Car and Driver.

Learn More on the Voronoi App

If you enjoyed today’s post, check out Ranked: Cars That Hold and Lose Their Value the Most on Voronoi.

Ranked: Government Debt by Country in 2026

2026-11-12 20:04:56

How Government Debt Compares Around the World in 2026

Key Takeaways

  • Global government gross debt is projected to reach $121 trillion in 2026, equivalent to 94.6% of world GDP.
  • The U.S. and China account for nearly 53% of the total, with a combined $63.9 trillion in debt.
  • U.S. government debt has risen from roughly 108% to 127% of GDP over the past decade, while China’s debt is projected to surpass 100% of GDP in 2026.

Government borrowing has climbed to historic levels, with rising interest costs and mounting spending pressures putting public finances under strain. While the world’s largest economies account for much of the total, debt burdens relative to economic output tell a different story.

This graphic breaks down projected government debt by country in 2026, based on the International Monetary Fund’s October 2026 World Economic Outlook. Figures represent general government gross debt, including liabilities across different levels of government.

Government Debt by Country in 2026

The table below ranks countries by their projected government debt in U.S. dollars, with debt-to-GDP ratios providing a measure of each country’s debt burden relative to its economy.

Rank Country Value of Debt (Billions $) Debt-to-GDP (2026)
1 🇺🇸 U.S. 41,391 126.8%
2 🇨🇳 China 22,494 104.4%
3 🇯🇵 Japan 8,658 199.4%
4 🇬🇧 UK 4,354 102.0%
5 🇫🇷 France 4,212 118.5%
6 🇮🇹 Italy 3,726 137.9%
7 🇩🇪 Germany 3,534 64.6%
8 🇮🇳 India 3,374 83.1%
9 🇨🇦 Canada 2,879 115.6%
10 🇧🇷 Brazil 2,575 97.0%
11 🇪🇸 Spain 2,035 97.6%
12 🇲🇽 Mexico 1,351 62.1%
13 🇸🇬 Singapore 1,111 166.4%
14 🇦🇺 Australia 1,110 52.6%
15 🇰🇷 South Korea 1,062 47.3%
16 🇧🇪 Belgium 848 109.8%
17 🇵🇱 Poland 755 66.6%
18 🇳🇱 Netherlands 646 45.4%
19 🇮🇩 Indonesia 617 41.7%
20 🇷🇺 Russia 552 19.3%
21 🇦🇷 Argentina 532 69.3%
22 🇮🇱 Israel 514 68.8%
23 🇦🇹 Austria 508 82.4%
24 🇸🇦 Saudi Arabia 476 35.4%
25 🇨🇭 Switzerland 435 38.3%
26 🇬🇷 Greece 414 136.0%
27 🇹🇷 Türkiye 409 22.5%
28 🇹🇭 Thailand 403 67.2%
29 🇿🇦 South Africa 381 78.0%
30 🇲🇾 Malaysia 379 69.2%
31 🇪🇬 Egypt 372 84.0%
32 🇨🇴 Colombia 341 59.5%
33 🇵🇹 Portugal 319 85.1%
34 🇵🇰 Pakistan 314 69.8%
35 🇫🇮 Finland 307 90.6%
36 🇵🇭 Philippines 304 60.5%
37 🇷🇴 Romania 294 62.6%
38 🇸🇪 Sweden 262 35.1%
39 🇳🇴 Norway 261 40.0%
40 🇺🇦 Ukraine 256 111.8%
41 🇮🇪 Ireland 238 33.5%
42 🇦🇪 UAE 217 32.8%
43 🇹🇼 Taiwan 215 21.1%
44 🇭🇺 Hungary 209 78.7%
45 🇧🇩 Bangladesh 205 40.5%
46 🇨🇿 Czechia 196 45.8%
47 🇮🇶 Iraq 174 71.1%
48 🇨🇱 Chile 172 42.8%
49 🇩🇿 Algeria 172 51.8%
50 🇳🇿 New Zealand 156 57.1%
51 🇻🇳 Vietnam 153 28.3%
52 🇳🇬 Nigeria 134 34.6%
53 🇩🇰 Denmark 132 26.4%
54 🇲🇦 Morocco 130 66.6%
55 🇮🇷 Iran 122 39.1%
56 🇵🇪 Peru 114 28.6%
57 🇰🇪 Kenya 110 72.9%
58 🇱🇰 Sri Lanka 105 95.2%
59 🇸🇰 Slovakia 104 62.2%
60 🇸🇩 Sudan 103 334.4%
61 🇰🇿 Kazakhstan 95 23.8%
62 🇶🇦 Qatar 94 46.4%
63 🇩🇴 Dominican Republic 83 57.2%
64 🇦🇴 Angola 81 51.5%
65 🇧🇭 Bahrain 75 162.8%
66 🇱🇾 Libya 71 125.2%
67 🇨🇷 Costa Rica 71 61.8%
68 🇪🇨 Ecuador 71 54.5%
69 🇬🇭 Ghana 67 51.7%
70 🇭🇷 Croatia 65 56.3%
71 🇺🇾 Uruguay 64 67.7%
72 🇭🇰 Hong Kong SAR 64 14.1%
73 🇨🇮 Côte d'Ivoire 64 57.8%
74 🇸🇮 Slovenia 56 63.5%
75 🇵🇦 Panama 54 56.4%
76 🇹🇳 Tunisia 54 86.1%
77 🇧🇴 Bolivia 54 100.2%
78 🇯🇴 Jordan 54 82.5%
79 🇪🇹 Ethiopia 52 40.7%
80 🇺🇿 Uzbekistan 49 27.6%
81 🇧🇬 Bulgaria 48 32.9%
82 🇱🇧 Lebanon 48 139.4%
83 🇷🇸 Serbia 48 42.9%
84 🇱🇹 Lithuania 47 44.7%
85 🇹🇿 Tanzania 46 48.1%
86 🇲🇲 Myanmar 44 53.3%
87 🇺🇬 Uganda 40 55.1%
88 🇰🇼 Kuwait 39 26.6%
89 🇴🇲 Oman 38 31.1%
90 🇬🇹 Guatemala 36 27.5%
91 🇿🇲 Zambia 35 82.1%
92 🇧🇾 Belarus 34 31.1%
93 🇸🇻 El Salvador 33 85.0%
94 🇱🇺 Luxembourg 31 28.5%
95 🇨🇩 DR Congo 29 23.7%
96 🇨🇲 Cameroon 26 40.1%
97 🇱🇻 Latvia 25 47.0%
98 🇵🇷 Puerto Rico 24 18.2%
99 🇵🇾 Paraguay 23 36.6%
100 🇮🇸 Iceland 23 54.6%
101 🇨🇾 Cyprus 23 51.4%
102 🇹🇹 Trinidad and Tobago 23 84.6%
103 🇲🇿 Mozambique 23 91.0%
104 🇳🇵 Nepal 23 49.4%
105 🇿🇼 Zimbabwe 22 33.5%
106 🇬🇦 Gabon 22 83.7%
107 🇭🇳 Honduras 18 44.0%
108 🇵🇬 Papua New Guinea 17 46.8%
109 🇧🇫 Burkina Faso 17 51.0%
110 🇦🇱 Albania 16 49.7%
111 🇧🇯 Benin 16 58.1%
112 🇦🇲 Armenia 16 48.1%
113 🇬🇳 Guinea 16 34.8%
114 🇨🇬 Republic of the Congo 15 80.5%
115 🇯🇲 Jamaica 15 64.3%
116 🇲🇺 Mauritius 15 87.6%
117 🇦🇿 Azerbaijan 15 16.5%
118 🇱🇦 Laos 15 79.8%
119 🇬🇪 Georgia 15 33.1%
120 🇲🇼 Malawi 14 78.0%
121 🇲🇹 Malta 14 46.4%
122 🇪🇪 Estonia 14 27.5%
123 🇲🇱 Mali 14 39.7%
124 🇲🇳 Mongolia 14 44.1%
125 🇰🇭 Cambodia 14 25.1%
126 🇧🇸 Bahamas 13 70.2%
127 🇳🇦 Namibia 12 67.5%
128 🇷🇼 Rwanda 12 63.4%
129 🇧🇦 Bosnia and Herzegovina 12 31.4%
130 🇲🇰 North Macedonia 11 53.8%
131 🇳🇪 Niger 11 46.3%
132 🇲🇻 Maldives 11 130.7%
133 🇲🇬 Madagascar 10 49.8%
134 🇬🇾 Guyana 10 25.3%
135 🇵🇸 West Bank and Gaza 10 55.9%
136 🇲🇩 Moldova 9 41.8%
137 🇰🇬 Kyrgyz Republic 9 34.0%
138 🇧🇼 Botswana 9 40.3%
139 🇹🇬 Togo 9 64.7%
140 🇳🇮 Nicaragua 8 31.7%
141 🇹🇩 Chad 8 31.1%
142 🇧🇧 Barbados 8 93.8%
143 🇲🇪 Montenegro 7 66.8%
144 🇲🇷 Mauritania 5 38.3%
145 🇫🇯 Fiji 5 78.9%
146 🇸🇷 Suriname 5 85.1%
147 🇬🇶 Equatorial Guinea 5 32.9%
148 🇧🇹 Bhutan 5 116.2%
149 🇸🇱 Sierra Leone 4 50.1%
150 🇭🇹 Haiti 4 10.5%
151 🇹🇯 Tajikistan 4 18.3%
152 🇨🇻 Cabo Verde 4 109.9%
153 🇸🇸 South Sudan 3 43.2%
154 🇸🇿 Eswatini 3 52.5%
155 🇱🇷 Liberia 3 54.0%
156 🇧🇮 Burundi 3 40.4%
157 🇦🇼 Aruba 3 59.6%
158 🇽🇰 Kosovo 3 18.1%
159 🇹🇲 Turkmenistan 2 2.9%
160 🇧🇿 Belize 2 64.6%
161 🇨🇫 Central African Republic 2 43.5%
162 🇬🇼 Guinea-Bissau 2 73.9%
163 🇱🇨 Saint Lucia 2 78.1%
164 🇬🇲 Gambia 2 67.4%
165 🇦🇬 Antigua and Barbuda 2 66.8%
166 🇱🇸 Lesotho 1 47.5%
167 🇻🇨 Saint Vincent and the Grenadines 1 111.6%
168 🇩🇯 Djibouti 1 28.7%
169 🇸🇲 San Marino 1 56.8%
170 🇦🇩 Andorra 1 27.8%
171 🇸🇨 Seychelles 1 52.7%
172 🇬🇩 Grenada 1 66.8%
173 🇩🇲 Dominica 1 99.7%
174 🇰🇳 Saint Kitts and Nevis 1 65.1%
175 🇸🇹 São Tomé and Príncipe 1 55.9%
176 🇰🇲 Comoros 1 34.7%
177 🇸🇧 Solomon Islands 1 32.1%
178 🇻🇺 Vanuatu 1 36.6%
179 🇹🇱 Timor-Leste 0.3 13.9%
180 🇼🇸 Samoa 0.3 18.6%
181 🇧🇳 Brunei Darussalam 0.2 1.3%
182 🇵🇼 Palau 0.2 53.8%
183 🇹🇴 Tonga 0.2 24.0%
184 🇱🇮 Liechtenstein 0.05 0.5%
185 🇲🇭 Marshall Islands 0.05 13.9%
186 🇫🇲 Micronesia 0.04 7.7%
187 🇰🇮 Kiribati 0.03 7.7%
188 🇳🇷 Naoero 0.01 2.6%
189 🇹🇻 Tuvalu 0.00 2.5%
190 🇲🇴 Macao SAR 0.00 0.0%

U.S. and China Hold Over Half of Global Government Debt

The U.S. leads with $41.4 trillion in government debt, representing roughly one-third of the worldwide total.

Over the past decade, the U.S. debt burden has climbed from 107.5% of GDP in 2016 to 126.8% in 2026, as government borrowing has outpaced economic growth. The cost of servicing that debt is also mounting. In fiscal 2026, federal net interest payments reached $1.1 trillion, exceeding military spending by $225 billion.

China ranks second at $22.5 trillion, with government debt projected to surpass 100% of GDP for the first time.

Unlike the U.S., a central source of China’s fiscal pressure is its local government financing system. For years, local authorities relied on borrowing and land-sale revenues to fund infrastructure and development. The property downturn has weakened this revenue model, increasing pressure on public finances.

Despite their different fiscal challenges, both countries illustrate how rising government borrowing is reshaping public finances in the world’s two largest economies.

Which Countries Owe More Than Their Economies Produce?

The countries with the largest debt totals are not necessarily those carrying the heaviest debt burdens. Measured against economic output, government debt is projected to exceed 100% of GDP in 20 economies in 2026, ranging from major industrialized nations to smaller developing economies.

Sudan has the world’s highest debt-to-GDP ratio at 334.4%, followed by Japan at 199.4%. France (118.5%) and Canada (115.6%) also have debt exceeding their annual economic output, while Bolivia sits just above the threshold at 100.2%.

But even countries below this threshold can face considerable financial pressure. Interest costs exceed public spending on health care or education in 51 developing countries, which together are home to 3.7 billion people.

Looking ahead, the IMF projects that global government debt will surpass 100% of GDP by 2030, reaching a level last seen shortly after World War II.

Learn More on the Voronoi App

To learn more about this topic, check out this graphic ranking countries by government debt per person.

Mapped: The World’s Most and Least Democratic Countries

2026-11-12 01:12:22

How Democratic Are Countries Around the World?

Key Takeaways:

  • Authoritarian regimes outnumber full democracies by more than two to one, with 61 versus 26 countries.
  • Norway ranks as the world’s most democratic country, while Canada climbed into the global top 10.
  • The U.S. fell six places to 34th globally, reaching its lowest Democracy Index score on record.

After eight consecutive years of decline, global democracy scores edged upward in 2025, but the modest improvement masks significant changes across individual countries.

The Economist Intelligence Unit’s Democracy Index evaluates 167 countries and territories based on elections, government functioning, political participation, political culture, and civil liberties. The latest results reveal where democratic institutions are strengthening and where they remain under pressure.

Which Countries Are the Most Democratic?

The following table ranks countries by their 2025 Democracy Index scores, according to the EIU.

Rank Country Score (2025) EIU category
1 🇳🇴 Norway 9.81 Full democracy
2 🇳🇿 New Zealand 9.62 Full democracy
3 🇩🇰 Denmark 9.42 Full democracy
4 🇮🇸 Iceland 9.38 Full democracy
5 🇫🇮 Finland 9.37 Full democracy
6 🇸🇪 Sweden 9.35 Full democracy
7 🇮🇪 Ireland 9.33 Full democracy
8 🇨🇭 Switzerland 9.32 Full democracy
9 🇨🇦 Canada 9.08 Full democracy
10 🇱🇺 Luxembourg 9.08 Full democracy
11 🇳🇱 Netherlands 8.93 Full democracy
12 🇺🇾 Uruguay 8.92 Full democracy
13 🇦🇺 Australia 8.85 Full democracy
14 🇯🇵 Japan 8.85 Full democracy
15 🇹🇼 Taiwan 8.78 Full democracy
16 🇩🇪 Germany 8.73 Full democracy
17 🇦🇹 Austria 8.42 Full democracy
18 🇬🇧 United Kingdom 8.34 Full democracy
19 🇨🇷 Costa Rica 8.29 Full democracy
20 🇵🇹 Portugal 8.28 Full democracy
21 🇲🇺 Mauritius 8.23 Full democracy
22 🇪🇸 Spain 8.20 Full democracy
23 🇨🇿 Czechia 8.15 Full democracy
24 🇪🇪 Estonia 8.07 Full democracy
25 🇬🇷 Greece 8.07 Full democracy
26 🇫🇷 France 8.05 Full democracy
27 🇨🇱 Chile 7.97 Flawed democracy
28 🇲🇹 Malta 7.93 Flawed democracy
29 🇸🇮 Slovenia 7.82 Flawed democracy
30 🇮🇱 Israel 7.80 Flawed democracy
31 🇧🇪 Belgium 7.77 Flawed democracy
32 🇰🇷 South Korea 7.75 Flawed democracy
33 🇱🇻 Latvia 7.73 Flawed democracy
34 🇵🇱 Poland 7.65 Flawed democracy
35 🇺🇸 United States 7.65 Flawed democracy
36 🇧🇼 Botswana 7.63 Flawed democracy
37 🇨🇻 Cape Verde 7.58 Flawed democracy
38 🇮🇹 Italy 7.58 Flawed democracy
39 🇱🇹 Lithuania 7.55 Flawed democracy
40 🇨🇾 Cyprus 7.45 Flawed democracy
41 🇿🇦 South Africa 7.16 Flawed democracy
42 🇲🇾 Malaysia 7.11 Flawed democracy
43 🇹🇹 Trinidad and Tobago 7.09 Flawed democracy
44 🇵🇦 Panama 7.04 Flawed democracy
45 🇸🇷 Suriname 7.03 Flawed democracy
46 🇹🇱 Timor-Leste 6.97 Flawed democracy
47 🇮🇳 India 6.96 Flawed democracy
48 🇸🇰 Slovakia 6.94 Flawed democracy
49 🇦🇷 Argentina 6.89 Flawed democracy
50 🇧🇷 Brazil 6.76 Flawed democracy
51 🇩🇴 Dominican Republic 6.75 Flawed democracy
52 🇯🇲 Jamaica 6.74 Flawed democracy
53 🇲🇪 Montenegro 6.73 Flawed democracy
54 🇹🇭 Thailand 6.59 Flawed democracy
55 🇭🇺 Hungary 6.58 Flawed democracy
56 🇱🇰 Sri Lanka 6.57 Flawed democracy
57 🇭🇷 Croatia 6.50 Flawed democracy
58 🇲🇳 Mongolia 6.50 Flawed democracy
59 🇳🇦 Namibia 6.48 Flawed democracy
60 🇮🇩 Indonesia 6.37 Flawed democracy
61 🇧🇬 Bulgaria 6.34 Flawed democracy
62 🇵🇭 Philippines 6.31 Flawed democracy
63 🇷🇸 Serbia 6.30 Flawed democracy
64 🇲🇰 North Macedonia 6.28 Flawed democracy
65 🇬🇭 Ghana 6.24 Flawed democracy
66 🇱🇸 Lesotho 6.23 Flawed democracy
67 🇦🇱 Albania 6.20 Flawed democracy
68 🇸🇬 Singapore 6.18 Flawed democracy
69 🇷🇴 Romania 6.11 Flawed democracy
70 🇲🇼 Malawi 6.10 Flawed democracy
71 🇬🇾 Guyana 6.09 Flawed democracy
72 🇸🇳 Senegal 6.05 Flawed democracy
73 🇨🇴 Colombia 6.04 Flawed democracy
74 🇵🇾 Paraguay 6.04 Flawed democracy
75 🇵🇬 Papua New Guinea 5.90 Hybrid regime
76 🇵🇪 Peru 5.88 Hybrid regime
77 🇲🇩 Moldova 5.86 Hybrid regime
78 🇿🇲 Zambia 5.82 Hybrid regime
79 🇧🇹 Bhutan 5.65 Hybrid regime
80 🇱🇷 Liberia 5.57 Hybrid regime
81 🇲🇽 Mexico 5.40 Hybrid regime
82 🇫🇯 Fiji 5.39 Hybrid regime
83 🇧🇴 Bolivia 5.38 Hybrid regime
84 🇦🇲 Armenia 5.35 Hybrid regime
85 🇧🇦 Bosnia and Herzegovina 5.23 Hybrid regime
86 🇪🇨 Ecuador 5.20 Hybrid regime
87 🇹🇿 Tanzania 5.13 Hybrid regime
88 🇲🇬 Madagascar 5.06 Hybrid regime
89 🇰🇪 Kenya 5.05 Hybrid regime
90 🇭🇰 Hong Kong 5.03 Hybrid regime
91 🇲🇦 Morocco 4.97 Hybrid regime
92 🇭🇳 Honduras 4.87 Hybrid regime
93 🇺🇦 Ukraine 4.79 Hybrid regime
94 🇬🇹 Guatemala 4.65 Hybrid regime
95 🇹🇳 Tunisia 4.65 Hybrid regime
96 🇸🇻 El Salvador 4.57 Hybrid regime
97 🇬🇲 Gambia 4.47 Hybrid regime
98 🇸🇱 Sierra Leone 4.44 Hybrid regime
99 🇬🇪 Georgia 4.36 Hybrid regime
100 🇺🇬 Uganda 4.31 Hybrid regime
101 🇧🇩 Bangladesh 4.27 Hybrid regime
102 🇧🇯 Benin 4.26 Hybrid regime
103 🇹🇷 Turkey 4.26 Hybrid regime
104 🇨🇮 Ivory Coast 4.24 Hybrid regime
105 🇳🇬 Nigeria 4.10 Hybrid regime
106 🇳🇵 Nepal 4.01 Hybrid regime
107 🇦🇴 Angola 3.94 Authoritarian
108 🇲🇷 Mauritania 3.84 Authoritarian
109 🇱🇧 Lebanon 3.81 Authoritarian
110 🇩🇿 Algeria 3.55 Authoritarian
111 🇬🇦 Gabon 3.49 Authoritarian
112 🇵🇸 Palestine 3.44 Authoritarian
113 🇲🇿 Mozambique 3.38 Authoritarian
114 🇷🇼 Rwanda 3.34 Authoritarian
115 🇯🇴 Jordan 3.28 Authoritarian
116 🇰🇬 Kyrgyzstan 3.27 Authoritarian
117 🇦🇪 United Arab Emirates 3.18 Authoritarian
118 🇶🇦 Qatar 3.17 Authoritarian
119 🇪🇹 Ethiopia 3.13 Authoritarian
120 🇮🇶 Iraq 3.13 Authoritarian
121 🇴🇲 Oman 3.05 Authoritarian
122 🇿🇼 Zimbabwe 2.98 Authoritarian
123 🇰🇿 Kazakhstan 2.91 Authoritarian
124 🇹🇬 Togo 2.88 Authoritarian
125 🇰🇲 Comoros 2.81 Authoritarian
126 🇭🇹 Haiti 2.81 Authoritarian
127 🇦🇿 Azerbaijan 2.80 Authoritarian
128 🇪🇬 Egypt 2.79 Authoritarian
129 🇨🇬 Republic of the Congo 2.79 Authoritarian
130 🇰🇼 Kuwait 2.78 Authoritarian
131 🇰🇭 Cambodia 2.70 Authoritarian
132 🇩🇯 Djibouti 2.70 Authoritarian
133 🇻🇳 Vietnam 2.62 Authoritarian
134 🇸🇿 Eswatini 2.60 Authoritarian
135 🇨🇺 Cuba 2.58 Authoritarian
136 🇨🇲 Cameroon 2.56 Authoritarian
137 🇧🇫 Burkina Faso 2.55 Authoritarian
138 🇧🇭 Bahrain 2.45 Authoritarian
139 🇵🇰 Pakistan 2.44 Authoritarian
140 🇲🇱 Mali 2.40 Authoritarian
141 🇱🇾 Libya 2.31 Authoritarian
142 🇨🇳 China 2.24 Authoritarian
143 🇬🇳 Guinea 2.15 Authoritarian
144 🇧🇮 Burundi 2.13 Authoritarian
145 🇻🇪 Venezuela 2.13 Authoritarian
146 🇺🇿 Uzbekistan 2.10 Authoritarian
147 🇸🇦 Saudi Arabia 2.08 Authoritarian
148 🇷🇺 Russia 2.03 Authoritarian
149 🇧🇾 Belarus 1.99 Authoritarian
150 🇪🇷 Eritrea 1.97 Authoritarian
151 🇳🇮 Nicaragua 1.97 Authoritarian
152 🇮🇷 Iran 1.96 Authoritarian
153 🇳🇪 Niger 1.95 Authoritarian
154 🇾🇪 Yemen 1.95 Authoritarian
155 🇹🇯 Tajikistan 1.94 Authoritarian
156 🇨🇩 DR Congo 1.92 Authoritarian
157 🇬🇶 Equatorial Guinea 1.92 Authoritarian
158 🇹🇩 Chad 1.76 Authoritarian
159 🇱🇦 Laos 1.71 Authoritarian
160 🇹🇲 Turkmenistan 1.54 Authoritarian
161 🇸🇩 Sudan 1.46 Authoritarian
162 🇬🇼 Guinea-Bissau 1.37 Authoritarian
163 🇸🇾 Syria 1.37 Authoritarian
164 🇨🇫 Central African Republic 1.18 Authoritarian
165 🇰🇵 North Korea 1.08 Authoritarian
166 🇲🇲 Myanmar 0.96 Authoritarian
167 🇦🇫 Afghanistan 0.25 Authoritarian

Nordic countries dominate the top of the rankings, with Norway, Denmark, Finland, Sweden, and Iceland all placing among the world’s six highest-scoring democracies. New Zealand ranks second globally, while Canada and Luxembourg round out the top 10.

At the other end of the spectrum, Afghanistan scores just 0.25 out of 10. Overall, only 15.6% of countries and territories qualify as full democracies, compared with 36.5% classified as authoritarian.

The global average edged upward from 5.17 to 5.19. However, Freedom House recorded its 20th consecutive year of declining global freedom, highlighting continued threats to civil liberties.

Which Countries Experienced the Biggest Democratic Declines?

The table below shows the 10 largest score decreases between 2024 and 2025.

Rank Country Score 2024 Score 2025 Change (index points)
1 🇬🇼 Guinea-Bissau 2.03 1.37 -0.66
2 🇳🇵 Nepal 4.60 4.01 -0.59
3 🇵🇰 Pakistan 2.84 2.44 -0.40
4 🇬🇪 Georgia 4.70 4.36 -0.34
5 🇮🇳 India 7.29 6.96 -0.33
6 🇵🇭 Philippines 6.63 6.31 -0.32
7 🇨🇴 Colombia 6.35 6.04 -0.31
8 🇳🇪 Niger 2.26 1.95 -0.31
9 🇲🇬 Madagascar 5.33 5.06 -0.27
10 🇸🇰 Slovakia 7.21 6.94 -0.27

Guinea-Bissau recorded the steepest decline (-0.66), followed by Nepal (-0.59) and Pakistan (-0.40). India also fell by 0.33 points, bringing its score below 7.0, while the Philippines and Colombia registered notable declines.

Guinea-Bissau’s sharp deterioration followed a November 2025 military coup that disrupted elections and undermined civilian rule. Nepal’s political upheaval and Pakistan’s continuing military influence also exposed institutional weaknesses, while restrictions on political opposition and civil liberties contributed to broader democratic backsliding.

Where Did Democracy Improve the Most?

The following table highlights the 10 largest improvements recorded by the EIU.

Rank Country Score 2024 Score 2025 Change (index points)
1 🇬🇦 Gabon 2.18 3.49 +1.31
2 🇧🇴 Bolivia 4.26 5.38 +1.12
3 🇨🇦 Canada 8.69 9.08 +0.39
4 🇦🇷 Argentina 6.51 6.89 +0.38
5 🇱🇰 Sri Lanka 6.19 6.57 +0.38
6 🇯🇵 Japan 8.48 8.85 +0.37
7 🇮🇶 Iraq 2.80 3.13 +0.33
8 🇹🇭 Thailand 6.27 6.59 +0.32
9 🇧🇷 Brazil 6.49 6.76 +0.27
10 🇱🇧 Lebanon 3.56 3.81 +0.25

Gabon recorded the largest gain (+1.31), followed by Bolivia (+1.12). Canada also improved by 0.39 points, climbing into the global top 10. Nevertheless, Gabon remains classified as authoritarian despite its substantial improvement.

Gabon’s gains followed its April 2025 presidential election, which marked a transition away from direct military rule, although significant democratic constraints remain. Bolivia’s improvement reflected competitive elections and a peaceful transfer of power, demonstrating how political transitions can strengthen democratic institutions even after prolonged instability.

Why Is American Democracy Declining?

The United States dropped six places to 34th globally, with its Democracy Index score falling from 7.85 to 7.65, its lowest level since the index began in 2006, according to Pew Research Center.

The decline puts the U.S. well behind neighboring Canada, which scored 9.08. The two countries now sit in different categories: Canada is classified as a full democracy, while the U.S. remains a flawed democracy.

The deterioration reflects concerns about executive power, weakened institutional checks, and civil liberties. The V-Dem Institute also identifies significant democratic backsliding in America, raising questions about Washington’s ability to champion democratic institutions internationally.

Learn More on the Voronoi App

For another perspective on democratic institutions, explore Satisfaction with Democracy Declined in High-Income Nations on Voronoi.

Mapped: Where Americans Have Paid Off Their Homes

2026-11-11 23:41:10

Map showing the share of owner-occupied homes without a mortgage in each U.S. state in 2025.

Where Americans Are Paying Off Their Mortgages

Key Takeaways

  • West Virginia leads the country, with 56.6% of owner-occupied homes mortgage-free, compared with 41% nationwide.
  • About 64% of homeowners age 65 and older have no mortgage, versus 20% of those under 35.

Roughly two in five owner-occupied homes in the U.S. are owned free and clear. In some states, more than half of homeowners have no mortgage at all.

This map shows the share of owner-occupied homes without a mortgage in all 50 states and Washington, D.C., using the U.S. Census Bureau’s 2025 American Community Survey. Mortgage-free homes have no mortgage, home equity loan, or similar debt secured by the property.

West Virginia Has the Highest Share of Paid-Off Homes

West Virginia leads with 56.6% of owner-occupied homes mortgage-free, 3.9 percentage points ahead of Mississippi at 52.7%. They are the only two states where more than half of owner-occupied homes have no mortgage.

Lower home prices may help explain part of the difference. The median owner-occupied home in West Virginia is worth about $176,000, less than a quarter of California’s $771,000. In California, just 34.4% of owner-occupied homes are mortgage-free.

Here are all 50 states and Washington, D.C., ranked by the share of owner-occupied homes without a mortgage in 2025:

Rank State or District Mortgage-Free Owner-Occupied Homes, 2025 (%)
1 West Virginia 56.6
2 Mississippi 52.7
3 New Mexico 50.0
4 Louisiana 49.1
5 North Dakota 48.9
6 Oklahoma 48.6
7 South Dakota 48.4
8 Arkansas 47.3
9 Alabama 46.7
10 Kentucky 46.2
11 Montana 46.1
12 Florida 45.3
13 Texas 44.7
14 Kansas 44.7
15 Wyoming 44.5
16 New York 44.4
17 Maine 44.2
18 Tennessee 44.1
19 Pennsylvania 44.0
20 Alaska 43.8
21 South Carolina 43.8
22 Michigan 43.4
23 Vermont 43.4
24 Nebraska 42.4
25 Iowa 42.2
26 Missouri 41.4
27 Wisconsin 41.3
28 Ohio 41.3
29 Hawaii 40.6
30 Illinois 40.5
31 New Hampshire 40.5
32 North Carolina 39.8
33 Idaho 39.5
34 Indiana 38.9
35 Arizona 38.7
36 Georgia 38.5
37 Delaware 38.2
38 Oregon 37.8
39 New Jersey 37.5
40 Minnesota 37.4
41 Connecticut 37.1
42 Washington 36.1
43 Rhode Island 35.9
44 Nevada 35.9
45 Massachusetts 35.2
46 Virginia 34.8
47 California 34.4
48 Utah 33.2
49 Colorado 31.6
50 Maryland 30.6
51 District of Columbia 26.5
-- 🇺🇸 U.S. Average 41.0

Seven of the top 10 states are in the South. The Census Bureau also found that rural counties were more likely than urban counties to have high shares of mortgage-free homes, based on its 2024 five-year estimates.

Maryland has the lowest share among states, at 30.6%, while Washington, D.C., is lower still at 26.5%. Both have relatively expensive housing: typical home values reached about $428,000 in Maryland and $570,000 in D.C. in August 2026, compared with $369,000 nationally.

Higher home prices generally mean larger loans for buyers making the same percentage down payment, potentially making it harder to pay off a mortgage.

Older Homeowners Are Far More Likely to Be Mortgage-Free

Nationally, about 64% of homeowners age 65 and older own their homes free and clear, compared with 20% of homeowners under 35.

Older homeowners have had decades to pay down their loans. With a typical fixed-rate mortgage, early payments go largely toward interest, while later payments increasingly reduce the principal. This gives long-established owners an advantage over recent buyers.

Owning a home outright can also make retirement more affordable by eliminating monthly mortgage payments. The Federal Reserve finds that even among lower-income adults, older people are much more likely to own their homes outright.

However, mortgage-free doesn’t mean housing-cost-free. In 2025, median monthly owner costs were $703 for homes without a mortgage, compared with $2,163 for those with one. Even homeowners who have paid off their loans must still cover property taxes, insurance, utilities, and other expenses.

Still, eliminating a monthly mortgage payment can make a substantial difference to household finances, particularly for retirees living on fixed incomes.

Learn More on the Voronoi App

If you enjoyed today’s post, check out Why Can’t Americans Pay Their Mortgage? on Voronoi.