Percent of state residents paying over $1000/month in car payments

I would bet this tracks fairly closely to percentage of pickup truck owners

Cybertrucks owners drive that even further up
All lifted by the way
- Of course they are lifted, and squatted! How else are you going to haul groceries from walmart?

Big dick trucks are expensive

small dick trucks
FTFY
;)
- Oh it has nothing to do with genitals. Just the owners.
- All dicks are awesome. Especially small ones.
  Body shaming? It’s not awesome. And this kind actually enforces the stereotype we wanna make fun of.

Texas and Wyoming lol not only do they buy vanity trucks but you have to drive at least 30 min to go anywhere. Paying 10 mpg and creating your society as spread out as possible, just to own the libs.

I have visited family out there and this is depressingly true.
you have to drive at least 30 min to go anywhere
If you're going to spend that much time on the road, best be comfortable, eh?
- yes that's why i take the bus

West Virginia: Buying a $500 used car in cash
Connecticut: Buying a $50,000 new car in cash

- Oh I do know many Connecicutters are hurting. I have been to Hartford. Seen that shit with my eyeballs.

I make well...very well...quite well into the six figures and a $1000+ car payment seems insane to me.

What the actual fuck.

And most of these assholes are leasing and pay penalties for over milage.
That's nearly half my mortgage in one of the highest COL counties in the country...
Have to assume that its for 2+ cars because 28% of Texas definitely ain't driving around in luxury vehicles... although I guess these big ass trucks really are up there in price these days... But still...
- That doesn’t make it any more sensible the benefit of two car payments is that cars last long enough so you can stagger them and never need to make two payments

Reminds me of when a dude I knew was posting on Facebook how gas prices were too high and filling up his two new Cadillac Escalades was getting way too expensive because of Obamacare or something.

God damn we are a country full of idiots.

I'm in the process of purchasing a house. The current resident used a loanshark to buy the house for her as she could not qualify for traditional financing. After a few years she still could not get traditional financing and the loanshark wants to sell the property. The current tenant is a little upset at me as she views me as stealing the house from under her.
Part of why she can't afford the house and I can is that she drives a Cadillac escalade and I drive a tiny 5 speed hatchback car.

Freedom*

*To work really hard so that you can hand it all straight to banks

fr just work less, spend less money, more free time to enjoy life

The fuck? That's about what I paid in monthly mortgage payments for my house.

Would be nice if house payments (general cost of a home) was around that. At this point the only obtainable thing is a vehicle if someone chooses to have one.

Tbh surprises me just how many must be buying new cars too.

Seems so nonsensical to me. Even if you're someone who drives every day there are perfectly serviceable used cars out there for $5000 whos remaining useful lifetimes outlast the repayment period of a new lease or loan.
I know you’re right but gonna ramble a bit…
People still make stupid mistakes buying used because the issue is people wanting / buying far more vehicle than they can reasonably afford. Like you make 30K…maybe a 9 year loan on a 70K vehicle is a bad move.
I’ve had this conversation a handful of times with people that ‘like driving fast cars’ but aren’t really car people. They want to buy that used 50K M series BMW or AMG Mercedes 5-10 years later cause it ‘use to be a 120K+ car’. They then find out that the maintenance/parts costs are still that of a 120K+ car. Not to mention the reason it’s being sold now is it needs a 15K turbo replacement or the like.
Last year I bought a motorcycle and asked the dealer what’s the longest loan term they’ve ever got approved…15 years. For a powersport dealer! I didn’t even know that was within the realm of possibility. They don’t sell anything but toys.

At first it seemed wrong for Mississippi to not be the worst but then the reality of the median wage kicked in and it shows how little people in the state actually can afford.

Lot of poor folks driving around expensive ass Chargers, 300s, Escalades, Mustangs, etc well beyond what they can afford in the South. Then parking them in front of a trailer park or shittiest house you can imagine, with kids playing in the dirt around it.
- Hood rich

Total car payments for a single family? Cars or trucks? Does Texas just have reeealy bad loan rates? (Sure, I would like to say that the difference is because of oversized trucks, but reality is sometimes surprising.)

Does Texas just have reeealy bad loan rates?
I'm going to guess that since "everything is bigger in Texas!", people feel the need to buy tanks with wheels, which tend to be on the more expensive end of the car spectum (outside of luxury and exotic vehicles).
Either way, fuck that. $120,000 pissed away in 10 years for a car (PLUS insurance, gas, repairs...). Don't people want to be able to afford housing?
- It doesn't say anything on how much more than $1,000 is spent. If in state a 2 out of 10 people spend $1,001 a year and the other 9 out of then $999 while in state b 1 out of 10 spends $2,000 a month and the other 9 out of 10 spend $999 then the stats show the are twice as many expensive in state a while in reality the only expensive cars are in state b
Bad credit and poor decisions. Texas has a lot of army bases and it's a pretty well established stereotype that 18-22 year olds fresh out of AIT make really poor decisions when it comes to car loans. Lots of Camaros challengers and mustangs at like 30%, then they get repossessed and sold to the next dumb kid.
Edit: added to the age range.
This is all you really need to know about people's car payments:
https://www.youtube.com/shorts/gifYyVTHIfY
You can find this all over YT. It's insanity. For the record, my wife drives a 2019 Camry. I drive a 2012 Fiesta. Both paid off. I only have the Fiesta because my sister wanted to sell it and it was a good deal for the times where my wife and I both need to drive. We were a one-car family for a few years.
I can confirm places like Texas and Florida have much worse auto loan rates due to higher delinquencies. Northern states have better rates.

Gotta be big-ass trucks for quite a few places. ‘Specially Texas. The other facet would be poor states with lower average income will spend a higher percentage of income on the least expensive cars.

poor states with lower average income will spend a higher percentage of income
But the graphic uses an absolute USD value of 1000, so percentage of income isn't represented. It seems more like the big ass trucks are an issue in more swaths of the great plains than just in Texas.

Texans gotta have their giga trucks

Who can even afford that.

I'm assuming this doesn't include maintenance or insurance?

My rent was less than that in the aughts.

There are people in my hometown that have car payments higher than their mortgage payments.
- I should appreciate how much work I don't have to do by not having a car to pay for
How many of these people live in their cars?
My mortgage is less than that today.
(Although TBF, that's because I bought during the Great Recession -- I wouldn't be able to afford to re-buy the same house today.)
- I have never had that cheap a mortgage but it is scary when you realize you could not buy your house if you were looking to.
My rent was less than that in 2018!
- Well I live in a major metro area so by the twenty teens keeping under 1k was pretty hard unless the area was majorly seedy. Heck im not sure you can get that cheap in the worst neighborhoods anymore.

Oregon is the one that surprises me.

All the other green states are the low income states (except for the north east states like Maine, and that little corner).

But then there's Oregon, right between yellow California, and yellow Washington.

I'm also surprised NY is yellow. I thought the bulk of their population was JUST NYC. And most people in NYC don't even own cars.

Or is this a percentage of car owners only?

Oregon isn’t just Portland. The rest of the state isn’t nearly as developed. Same for NY - yes, huge population in NYC but there’s still a lot of people in nyc suburbs with money and cars.
- Same can be said for WA, CA, ID, etc... Rural is rural.
One possible reason is we don’t salt our roads in winter. Salt causes tons of rust on vehicles, but here you’ll see 1990 Hondas still looking practically new. People seem to drive their beaters forever.
- 100% the answer. I miss it so much. They salt like crazy around here and I can't find a car with a solid frame for under $10k.
  The Oregon used car market was insane before cash for clunkers. You could buy a car from the '80s for $750 and reliably drive it for 100k mi. more.
- People seem to drive their beaters forever.
  how is this related to vehicles looking new? I see vehicles that are missing front bumpers and have visible rust all the time on the roads.

So color coding tells us 15 - 19% of people paying more than $1000/m is normal or the edge. I guess this decision is arbitrary, so I suggest a one-dimensional color scale.

It is likely representative of the statistics that form the graph, so how about instead of randomly inventing an entirely new representation we stick to color coded percentage buckets.

Everything's bigger in Texas...

What the …..

Expecting my state to be one of the highest - as a high cost of living state, we can afford it more than most - but it’s among the lowest? I find it crazy that the highest states are the same as the ones who can least afford it.