In this paper, we derive state equations for linearized discrete-time models of forth-order charge-pump phase-locked loops. We solve the differential equations of the loop filter by using the initial conditions and the boundary conditions in a period. The solved equations are linearized and rearranged as discrete-time state equations for checking stability conditions. Some behavioral simulations are performed to verify the proposed method. By examining the stability of loops with different conditions, we also propose an expression between the lower bound of the reference frequency, the open loop unit gain bandwidth, and the phase margin.