(NEXSTAR) – If we’ve learned anything about the real estate market these past few years, it’s that things change fast.

During the peak of the pandemic, low interest rates and the desire for more space led to a home buying and selling frenzy. At the end of 2021, home prices were 18.5% higher than they had been just a year before, according to CoreLogic.

Now, in places where the real estate market was recently red hot – like Southern Nevada – fewer homes are being listed than just two years ago. Those same homes now have bigger price tags and are sitting on the market longer.

Those factors, combined with high interest rates, have some homeowners here feeling “trapped,” according to new data analysis by MoneyGeek. The personal finance site looked at 312 metro areas around the country to assess where average mortgage spending has gone up while housing supply has gone down.

In Las Vegas and the surrounding suburbs, the cost of a new mortgage has jumped about 73% between 2021 and 2023. Prices have also gone up in the past two years. The median home listing price in Las Vegas last month was $445,000, according to Realtor.

Meanwhile, new listings have dropped about 20%, leaving people with fewer options if they wanted to downsize or move around.

The Vegas metro ranked 13th nationwide on MoneyGeek’s list of places where homeowners feel most “trapped.”

See the full top 20 below:

RankMetro area% change in mortgage (2021 to 2023)Additional mortgage spending (2021 to 2023)Avg. monthly mortgage% change in home value (2021 to 2023)% change in new listings% change in days on market
1Gainesville, GA83.7%$10,720$1,96024.8%-27.8%29.7%
2Atlanta-Sandy Springs-Alpharetta, GA82.4%$10,953$2,02023.9%-25.6%27.2%
3Ocean City, NJ77.9%$17,515$3,33420.8%-31.7%9.3%
4San Diego-Chula Vista-Carlsbad, CA71.2%$23,447$4,69816.3%-29.6%18.7%
5Riverside-San Bernardino-Ontario, CA73.1%$15,363$3,03217.5%-24.9%25.6%
6Santa Cruz-Watsonville, CA69.6%$30,734$6,24415.1%-31.1%17.7%
7Charlotte-Concord-Gastonia, NC-SC82.2%$10,931$2,01923.7%-23.9%12.9%
8The Villages, FL86.7%$12,370$2,21926.8%-26.1%0.8%
9Flagstaff, AZ79.3%$16,901$3,18421.8%-16.2%34.2%
10Bend, OR68.1%$17,535$3,60814.1%-24.4%29.3%
11San Jose-Sunnyvale-Santa Clara, CA67.0%$39,038$8,11013.4%-34.6%15.9%
12Naples-Marco Island, FL104.5%$19,515$3,18238.9%-15.8%10.1%
13Las Vegas-Henderson-Paradise, NV72.6%$11,332$2,24617.2%-20.1%43.4%
14Los Angeles-Long Beach-Anaheim, CA (Tie)66.7%$23,466$4,88513.2%-27.8%15.7%
14Phoenix-Mesa-Chandler, AZ (Tie)74.3%$12,543$2,45218.4%-17.1%53.3%
16Santa Maria-Santa Barbara, CA80.6%$25,748$4,80622.7%-16.1%10.2%
17Seattle-Tacoma-Bellevue, WA65.6%$18,399$3,87212.4%-27.1%25.5%
18Athens-Clarke County, GA76.1%$8,872$1,71119.6%-23.3%17.2%
19Kahului-Wailuku-Lahaina, HI88.4%$29,980$5,32627.9%-28.2%-8.8%
20North Port-Sarasota-Bradenton, FL97.4%$14,888$2,51534.0%-12.8%13.4%

Nationwide more homeowners are feeling “trapped” in their mortgages, but the conditions are more favorable in West Virginia, Illinois and Louisiana.

According to MoneyGeek’s analysis, residents of Wheeling, West Virginia; Parkersburg, West Virginia; Alexandria, Louisiana; Danville, Illinois; and Decatur, Illinois, were least likely to feel trapped.