House Mortgages
I have heard that house mortgages are a lot cheaper in smaller cities… is that true? and it so, how much do?
you pay a month and how much is your house worth? Also, where are you located? thanks 
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I think you’re really asking about housing prices. Interest rates vary by state, not city, and the rate/cost tradeoffs are all within a quarter percent or so, mostly to reflect how restrictive of lenders a given state is, and how expensive it is to operate there (regulatory costs, mostly).
There is no magic wand on mortgages. On the other hand, if the property only costs you $50k, not $500k, that’s where your savings comes in. On the other hand, the reasons why some cities are that expensive is because those cities are where all the high paying jobs are, and where everyone wants to live. There’s some cities in the midwest where minimum wage earners can buy a modern house in excellent condition. Or cities like Detroit, where something like 30% of all properties are abandoned because the auto industry has been in decline these last thirty years. The catch is: Can you be happy there? Can you get a job that pays enough?
Check realtor.com for asking prices on housing in any area that appeals to you.
Oh, and NEVER BUY A HOUSE OR CHOOSE A LOAN BASED UPON PAYMENT. Here’s why:
http://www.danmelson.com/2007/03/option-arm-and-pick-a-pay-nega.html