With interest rates rising, finding a first-time home is more complicated than ever.

But some states offer more realistic deals than others for those looking to invest in a little piece of the American Dream.

Money wisea financial website, ranked all 50 states based on the median price for homes in each state as provided by Zillow and the average down payment rate of 13% according to the National Association of Realtors.

Their findings? First, it may be called the Aloha State, but Hawaii isn’t very hospitable when it comes to buying a home.

New home buyers in Hawaii must pay an average down payment of $110,360.38 to secure a home, making it the most expensive state for first home buyers. With limited land for development and onerous regulations, Hawaii’s median home value is a tsunami of $848,926.

If you’re looking for the surf and sand minus the tasty waves, consider a state like Mississippi where the average home costs $157,828 with a down payment of $20,517.64

The number two most expensive state for starters is California. The Golden State lives up to its billing, with a median home price on Zillow of $760,800. The average down payment on such a home is $98,904.

Here is a list of the most expensive places to live.

Courtesy: Moneywise

Related: 9 places in the US with small-town charm and affordable housing prices

Most Affordable States for First Time Homebuyers

So where should people looking to buy their first home look? According to this new research, West Virginia is the best state to invest in, with the lowest average down payment requirement of $16,783.39. The median home price in West Virginia is $129,103, a bargain compared to the national average of $428,700.

The aforementioned Mississippi is the second cheapest place to buy a home. After that, first home buyers should look to Arkansas, Oklahoma and Iowa.

“Armed with the knowledge of these findings, first-time homebuyers can make informed decisions when it comes to choosing a state in which to buy their first home and navigate their way to a brighter financial future,” said a Moneywise spokesperson.

Here’s a list of the least expensive states to buy.

Courtesy: Moneywise