US - Trend of Mortgage Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)
According to data from Zillow.com, the smoothed and seasonally adjusted Mortgage Payments with 10% down for all homes in the US in February 2026 was $2,226.098. The month over month percentage change (MoM) was -0.32%, and the year over year percentage change (YoY) was -6.85%.
The chart below shows the trend of the mortgage payments with 10% down for all homes in the US. The table below shows the trend of the mortgage payments with 10% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
| Month | Mortgage Payments ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 903.1312668344651 | -1.57 | -2.80 |
| Feb 2015 | 910.8062848572695 | 0.85 | -1.16 |
| Mar 2015 | 920.4954008716438 | 1.06 | -1.00 |
| Apr 2015 | 915.4883172367304 | -0.54 | -1.97 |
| May 2015 | 936.448717368876 | 2.29 | 1.21 |
| Jun 2015 | 955.0489120065678 | 1.99 | 3.03 |
| Jul 2015 | 966.2201360074863 | 1.17 | 4.09 |
| Aug 2015 | 957.3862397724713 | -0.91 | 2.92 |
| Sep 2015 | 961.5194019248124 | 0.43 | 2.52 |
| Oct 2015 | 958.0573827419355 | -0.36 | 3.25 |
| Nov 2015 | 978.0026569416937 | 2.08 | 5.51 |
| Dec 2015 | 985.4853870982513 | 0.77 | 7.41 |
| Jan 2016 | 981.9014682156177 | -0.36 | 8.72 |
| Feb 2016 | 966.0094706955423 | -1.62 | 6.06 |
| Mar 2016 | 973.5606244783608 | 0.78 | 5.77 |
| Apr 2016 | 968.3059645830607 | -0.54 | 5.77 |
| May 2016 | 971.5531963102761 | 0.34 | 3.75 |
| Jun 2016 | 972.8652346781499 | 0.14 | 1.87 |
| Jul 2016 | 963.3185591746808 | -0.98 | -0.30 |
| Aug 2016 | 966.0271298925032 | 0.28 | 0.90 |
| Sep 2016 | 972.1029577062732 | 0.63 | 1.10 |
| Oct 2016 | 977.5833618935385 | 0.56 | 2.04 |
| Nov 2016 | 1013.7703356277816 | 3.70 | 3.66 |
| Dec 2016 | 1065.0265166704169 | 5.06 | 8.07 |
| Jan 2017 | 1065.4221786313447 | 0.04 | 8.51 |
| Feb 2017 | 1073.2017096223822 | 0.73 | 11.10 |
| Mar 2017 | 1082.392458235542 | 0.86 | 11.18 |
| Apr 2017 | 1072.2881831160669 | -0.93 | 10.74 |
| May 2017 | 1074.1947233394153 | 0.18 | 10.57 |
| Jun 2017 | 1067.8653698055168 | -0.59 | 9.77 |
| Jul 2017 | 1079.4553376898727 | 1.09 | 12.06 |
| Aug 2017 | 1074.407382275819 | -0.47 | 11.22 |
| Sep 2017 | 1070.9052946132035 | -0.33 | 10.16 |
| Oct 2017 | 1086.4528064867077 | 1.45 | 11.14 |
| Nov 2017 | 1095.4627562470018 | 0.83 | 8.06 |
| Dec 2017 | 1104.9039118290393 | 0.86 | 3.74 |
| Jan 2018 | 1120.5795523423842 | 1.42 | 5.18 |
| Feb 2018 | 1161.3897376109903 | 3.64 | 8.22 |
| Mar 2018 | 1182.1972334360341 | 1.79 | 9.22 |
| Apr 2018 | 1191.6964727862014 | 0.80 | 11.14 |
| May 2018 | 1212.5661415848272 | 1.75 | 12.88 |
| Jun 2018 | 1215.3872106654414 | 0.23 | 13.82 |
| Jul 2018 | 1216.2197928381331 | 0.07 | 12.67 |
| Aug 2018 | 1224.753093868376 | 0.70 | 13.99 |
| Sep 2018 | 1240.2066874517018 | 1.26 | 15.81 |
| Oct 2018 | 1269.6414197430477 | 2.37 | 16.86 |
| Nov 2018 | 1278.3552426861281 | 0.69 | 16.70 |
| Dec 2018 | 1253.9406795946563 | -1.91 | 13.49 |
| Jan 2019 | 1237.433387669534 | -1.32 | 10.43 |
| Feb 2019 | 1231.6721331259319 | -0.47 | 6.05 |
| Mar 2019 | 1224.825960045229 | -0.56 | 3.61 |
| Apr 2019 | 1215.0912464304974 | -0.79 | 1.96 |
| May 2019 | 1210.401342029234 | -0.39 | -0.18 |
| Jun 2019 | 1180.701409476357 | -2.45 | -2.85 |
| Jul 2019 | 1179.2913383013959 | -0.12 | -3.04 |
| Aug 2019 | 1164.5769545522592 | -1.25 | -4.91 |
| Sep 2019 | 1166.2609635691497 | 0.14 | -5.96 |
| Oct 2019 | 1180.6412757290152 | 1.23 | -7.01 |
| Nov 2019 | 1187.2817348103245 | 0.56 | -7.12 |
| Dec 2019 | 1197.1873132129922 | 0.83 | -4.53 |
| Jan 2020 | 1192.7045506754841 | -0.37 | -3.61 |
| Feb 2020 | 1180.1584241881096 | -1.05 | -4.18 |
| Mar 2020 | 1185.7167006396537 | 0.47 | -3.19 |
| Apr 2020 | 1174.1210143159255 | -0.98 | -3.37 |
| May 2020 | 1168.5221150486207 | -0.48 | -3.46 |
| Jun 2020 | 1161.8318873777616 | -0.57 | -1.60 |
| Jul 2020 | 1146.9333569792925 | -1.28 | -2.74 |
| Aug 2020 | 1144.3680642460527 | -0.22 | -1.73 |
| Sep 2020 | 1151.3812116329855 | 0.61 | -1.28 |
| Oct 2020 | 1159.6797458918475 | 0.72 | -1.77 |
| Nov 2020 | 1168.1659437220703 | 0.73 | -1.61 |
| Dec 2020 | 1174.489850639508 | 0.54 | -1.90 |
| Jan 2021 | 1196.91228189705 | 1.91 | 0.35 |
| Feb 2021 | 1223.0442152031903 | 2.18 | 3.63 |
| Mar 2021 | 1276.8894621348031 | 4.40 | 7.69 |
| Apr 2021 | 1293.0946469034734 | 1.27 | 10.13 |
| May 2021 | 1300.8511697160907 | 0.60 | 11.32 |
| Jun 2021 | 1325.365099980927 | 1.88 | 14.08 |
| Jul 2021 | 1330.4715861612826 | 0.39 | 16.00 |
| Aug 2021 | 1341.1565713320397 | 0.80 | 17.20 |
| Sep 2021 | 1358.2522296299064 | 1.27 | 17.97 |
| Oct 2021 | 1391.5616878073356 | 2.45 | 20.00 |
| Nov 2021 | 1403.4596642794813 | 0.86 | 20.14 |
| Dec 2021 | 1422.7367098570958 | 1.37 | 21.14 |
| Jan 2022 | 1496.91313440904 | 5.21 | 25.07 |
| Feb 2022 | 1573.3735602203253 | 5.11 | 28.64 |
| Mar 2022 | 1672.9971069090798 | 6.33 | 31.02 |
| Apr 2022 | 1849.3445580483276 | 10.54 | 43.02 |
| May 2022 | 1926.4318299653958 | 4.17 | 48.09 |
| Jun 2022 | 2008.9295251800443 | 4.28 | 51.58 |
| Jul 2022 | 2001.96112638383 | -0.35 | 50.47 |
| Aug 2022 | 1967.4569001896025 | -1.72 | 46.70 |
| Sep 2022 | 2134.257787597673 | 8.48 | 57.13 |
| Oct 2022 | 2286.425372933516 | 7.13 | 64.31 |
| Nov 2022 | 2260.2674040590923 | -1.14 | 61.05 |
| Dec 2022 | 2165.058191330842 | -4.21 | 52.18 |
| Jan 2023 | 2139.267638265489 | -1.19 | 42.91 |
| Feb 2023 | 2130.814798538042 | -0.39 | 35.43 |
| Mar 2023 | 2187.5593532957096 | 2.66 | 30.76 |
| Apr 2023 | 2153.415124474441 | -1.56 | 16.44 |
| May 2023 | 2180.2855524305414 | 1.25 | 13.18 |
| Jun 2023 | 2251.4941467174385 | 3.27 | 12.07 |
| Jul 2023 | 2288.9671603984193 | 1.66 | 14.34 |
| Aug 2023 | 2348.1983310600012 | 2.59 | 19.35 |
| Sep 2023 | 2383.530618716917 | 1.51 | 11.68 |
| Oct 2023 | 2479.6886110228916 | 4.03 | 8.45 |
| Nov 2023 | 2445.971473062432 | -1.36 | 8.22 |
| Dec 2023 | 2315.8652522918787 | -5.32 | 6.97 |
| Jan 2024 | 2282.625819293952 | -1.43 | 6.70 |
| Feb 2024 | 2315.710288558338 | 1.45 | 8.68 |
| Mar 2024 | 2335.0852307826294 | 0.84 | 6.74 |
| Apr 2024 | 2384.0531593627575 | 2.10 | 10.71 |
| May 2024 | 2408.136732149497 | 1.01 | 10.45 |
| Jun 2024 | 2381.25229983551 | -1.12 | 5.76 |
| Jul 2024 | 2367.234197334185 | -0.59 | 3.42 |
| Aug 2024 | 2294.97559575651 | -3.05 | -2.27 |
| Sep 2024 | 2230.731694915306 | -2.80 | -6.41 |
| Oct 2024 | 2286.394331191875 | 2.50 | -7.79 |
| Nov 2024 | 2369.794516218826 | 3.65 | -3.11 |
| Dec 2024 | 2355.1971264223766 | -0.62 | 1.70 |
| Jan 2025 | 2411.7138381899167 | 2.40 | 5.66 |
| Feb 2025 | 2389.7552633231694 | -0.91 | 3.20 |
| Mar 2025 | 2346.553199638619 | -1.81 | 0.49 |
| Apr 2025 | 2359.2048000644954 | 0.54 | -1.04 |
| May 2025 | 2374.2668649596976 | 0.64 | -1.41 |
| Jun 2025 | 2370.5405330331664 | -0.16 | -0.45 |
| Jul 2025 | 2346.88802674661 | -1.00 | -0.86 |
| Aug 2025 | 2317.222953530209 | -1.26 | 0.97 |
| Sep 2025 | 2269.1483692614934 | -2.08 | 1.72 |
| Oct 2025 | 2251.2055213760977 | -0.79 | -1.54 |
| Nov 2025 | 2251.954852931629 | 0.03 | -4.97 |
| Dec 2025 | 2246.9033130078515 | -0.22 | -4.60 |
| Jan 2026 | 2233.228867665878 | -0.61 | -7.40 |
| Feb 2026 | 2226.097710837343 | -0.32 | -6.85 |