How much you have to save per day to put a down payment on a home in every US state

While owning a home costs more each month than renting across all 50 states, depending on your situation, it can be a smart investment. And if you start saving early on, you may not have to set aside as much as you think.

CNBC looked at the average listing price of homes in every state and calculated how much it would cost you to make a 20 percent down payment. While the down payment can range from 3.5 percent to 20 percent of the total cost of the home, most experts recommend putting down closer to 20 percent.

CNBC then figured out how much you would have to save each day over the course of five, 10 or 15 years to reach that goal. Our calculations assume this money will go into a savings account with negligible interest. While investing your money might make it grow faster, experts generally advise against investing money you'll need in the near future.

Keep in mind that having a down payment of 20 percent doesn't necessarily mean you're set. To truly afford a place of your own, you'll also want to be able to comfortably cover closing costs, moving expenses, repairs and maintenance, and the first few months' mortgage payments while maintaining your emergency fund.

Read on to see how much you need to save each day to afford the 20 percent down payment on a home in all 50 U.S. states.

Average listing price: $208,222
20 percent down payment: $41,644

How much you'd need to save for a down payment:

5 years: $22.80 per day
10 years: $11.40 per day
15 years: $7.60 per day

Average listing price: $267,876
20 percent down payment: $53,575

How much you'd need to save for a down payment:

5 years: $29.40 per day
10 years: $14.70 per day
15 years: $9.80 per day

Average listing price: $317,788
20 percent down payment: $63,558

How much you'd need to save for a down payment:

5 years: $34.80 per day
10 years: $17.40 per day
15 years: $11.60 per day

Average listing price: $188,521
20 percent down payment: $37,704

How much you'd need to save for a down payment:

5 years: $20.70 per day
10 years: $10.30 per day
15 years: $6.90 per day

Average listing price: $689,145
20 percent down payment: $137,829

How much you'd need to save for a down payment:

5 years: $75.50 per day
10 years: $37.80 per day
15 years: $25.20 per day

Average listing price: $517,045
20 percent down payment: $103,409

How much you'd need to save for a down payment:

5 years: $56.70 per day
10 years: $28.30 per day
15 years: $18.90 per day

Average listing price: $473,373
20 percent down payment: $94,675

How much you'd need to save for a down payment:

5 years: $51.90 per day
10 years: $25.90 per day
15 years: $17.30 per day

Average listing price: $295,702
20 percent down payment: $59,140

How much you'd need to save for a down payment:

5 years: $32.40 per day
10 years: $16.20 per day
15 years: $10.80 per day

Average listing price: $766,458
20 percent down payment: $153,292

How much you'd need to save for a down payment:

5 years: $84.00 per day
10 years: $42.00 per day
15 years: $28.00 per day

Average listing price: $395,575
20 percent down payment: $79,115

How much you'd need to save for a down payment:

5 years: $43.40 per day
10 years: $21.70 per day
15 years: $14.50 per day

Average listing price: $291,978
20 percent down payment: $58,396

How much you'd need to save for a down payment:

5 years: $32.00 per day
10 years: $16.00 per day
15 years: $10.70 per day

Average listing price: $898,596
20 percent down payment: $179,719

How much you'd need to save for a down payment:

5 years: $98.50 per day
10 years: $49.20 per day
15 years: $32.80 per day

Average listing price: $327,929
20 percent down payment: $65,586

How much you'd need to save for a down payment:

5 years: $35.90 per day
10 years: $18.00 per day
15 years: $12.00 per day

Average listing price: $275,393
20 percent down payment: $55,079

How much you'd need to save for a down payment:

5 years: $30.20 per day
10 years: $15.10 per day
15 years: $10.10 per day

Average listing price: $186,751
20 percent down payment: $37,350

How much you'd need to save for a down payment:

5 years: $20.50 per day
10 years: $10.20 per day
15 years: $6.80 per day

Average listing price: $186,512
20 percent down payment: $37,302

How much you'd need to save for a down payment:

5 years: $20.40 per day
10 years: $10.20 per day
15 years: $6.80 per day

Average listing price: $189,528
20 percent down payment: $37,906

How much you'd need to save for a down payment:

5 years: $20.80 per day
10 years: $10.40 per day
15 years: $6.90 per day

Average listing price: $211,346
20 percent down payment: $42,269

How much you'd need to save for a down payment:

5 years: $23.20 per day
10 years: $11.60 per day
15 years: $7.70 per day

Average listing price: $230,677
20 percent down payment: $46,135

How much you'd need to save for a down payment:

5 years: $25.30 per day
10 years: $12.60 per day
15 years: $8.40 per day

Average listing price: $270,987
20 percent down payment: $54,197

How much you'd need to save for a down payment:

5 years: $29.70 per day
10 years: $14.80 per day
15 years: $9.90 per day

Average listing price: $359,817
20 percent down payment: $71,963

How much you'd need to save for a down payment:

5 years: $39.40 per day
10 years: $19.70 per day
15 years: $13.10 per day

Average listing price: $595,743
20 percent down payment: $119,149

How much you'd need to save for a down payment:

5 years: $65.30 per day
10 years: $32.60 per day
15 years: $21.80 per day

Average listing price: $207,896
20 percent down payment: $41,579

How much you'd need to save for a down payment:

5 years: $22.80 per day
10 years: $11.40 per day
15 years: $7.60 per day

Average listing price: $290,944
20 percent down payment: $58,189

How much you'd need to save for a down payment:

5 years: $31.90 per day
10 years: $15.90 per day
15 years: $10.60 per day

Average listing price: $191,115
20 percent down payment: $38,223

How much you'd need to save for a down payment:

5 years: $20.90 per day
10 years: $10.50 per day
15 years: $7.00 per day

Average listing price: $201,399
20 percent down payment: $40,280

How much you'd need to save for a down payment:

5 years: $22.10 per day
10 years: $11.00 per day
15 years: $7.40 per day

Average listing price: $320,525
20 percent down payment: $64,105

How much you'd need to save for a down payment:

5 years: $35.10 per day
10 years: $17.60 per day
15 years: $11.70 per day

Average listing price: $224,260
20 percent down payment: $44,852

How much you'd need to save for a down payment:

5 years: $24.60 per day
10 years: $12.30 per day
15 years: $8.20 per day

Average listing price: $320,179
20 percent down payment: $64,036

How much you'd need to save for a down payment:

5 years: $35.10 per day
10 years: $17.50 per day
15 years: $11.70 per day

Average listing price: $313,339
20 percent down payment: $62,668

How much you'd need to save for a down payment:

5 years: $34.30 per day
10 years: $17.20 per day
15 years: $11.40 per day

Average listing price: $362,025
20 percent down payment: $72,405

How much you'd need to save for a down payment:

5 years: $39.70 per day
10 years: $19.80 per day
15 years: $13.20 per day

Average listing price: $246,353
20 percent down payment: $49,271

How much you'd need to save for a down payment:

5 years: $27.00 per day
10 years: $13.50 per day
15 years: $9.00 per day

Average listing price: $579,581
20 percent down payment: $115,916

How much you'd need to save for a down payment:

5 years: $63.50 per day
10 years: $31.80 per day
15 years: $21.20 per day

Average listing price: $271,884
20 percent down payment: $54,377

How much you'd need to save for a down payment:

5 years: $29.80 per day
10 years: $14.90 per day
15 years: $9.90 per day

Average listing price: $226,168
20 percent down payment: $45,234

How much you'd need to save for a down payment:

5 years: $24.80 per day
10 years: $12.40 per day
15 years: $8.30 per day

Average listing price: $185,974
20 percent down payment: $37,195

How much you'd need to save for a down payment:

5 years: $20.40 per day
10 years: $10.20 per day
15 years: $6.80 per day

Average listing price: $200,699
20 percent down payment: $40,140

How much you'd need to save for a down payment:

5 years: $22.00 per day
10 years: $11.00 per day
15 years: $7.30 per day

Average listing price: $409,270
20 percent down payment: $81,854

How much you'd need to save for a down payment:

5 years: $44.90 per day
10 years: $22.40 per day
15 years: $15.00 per day

Average listing price: $224,017
20 percent down payment: $44,803

How much you'd need to save for a down payment:

5 years: $24.50 per day
10 years: $12.30 per day
15 years: $8.20 per day

Average listing price: $401,310
20 percent down payment: $80,262

How much you'd need to save for a down payment:

5 years: $44.00 per day
10 years: $22.00 per day
15 years: $14.70 per day

Average listing price: $289,565
20 percent down payment: $57,913

How much you'd need to save for a down payment:

5 years: $31.70 per day
10 years: $15.90 per day
15 years: $10.60 per day

Average listing price: $235,080
20 percent down payment: $47,016

How much you'd need to save for a down payment:

5 years: $25.80 per day
10 years: $12.90 per day
15 years: $8.60 per day

Average listing price: $257,383
20 percent down payment: $51,477

How much you'd need to save for a down payment:

5 years: $28.20 per day
10 years: $14.10 per day
15 years: $9.40 per day

Average listing price: $323,378
20 percent down payment: $64,676

How much you'd need to save for a down payment:

5 years: $35.40 per day
10 years: $17.70 per day
15 years: $11.80 per day

Average listing price: $456,208
20 percent down payment: $91,242

How much you'd need to save for a down payment:

5 years: $50.00 per day
10 years: $25.00 per day
15 years: $16.70 per day

Average listing price: $300,459
20 percent down payment: $60,092

How much you'd need to save for a down payment:

5 years: $32.90 per day
10 years: $16.50 per day
15 years: $11.00 per day

Average listing price: $347,641
20 percent down payment: $69,528

How much you'd need to save for a down payment:

5 years: $38.10 per day
10 years: $19.00 per day
15 years: $12.70 per day

Average listing price: $373,518
20 percent down payment: $74,704

How much you'd need to save for a down payment:

5 years: $40.90 per day
10 years: $20.50 per day
15 years: $13.60 per day

Average listing price: $172,836
20 percent down payment: $34,567

How much you'd need to save for a down payment:

5 years: $18.90 per day
10 years: $9.50 per day
15 years: $6.30 per day

Average listing price: $220,743
20 percent down payment: $44,149

How much you'd need to save for a down payment:

5 years: $24.20 per day
10 years: $12.10 per day
15 years: $8.10 per day

Average listing price: $277,355
20 percent down payment: $55,471

How much you'd need to save for a down payment:

5 years: $30.40 per day
10 years: $15.20 per day
15 years: $10.10 per day

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