US - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)

Updated on March 22, 2026.

According to data from Zillow.com, the smoothed and seasonally adjusted Mortgage Payments with 20% down for all homes in the US in February 2026 was $1,738.36. The month over month percentage change (MoM) was -0.39%, and the year over year percentage change (YoY) was -7.75%.

The chart below shows the trend of the mortgage payments with 20% down for all homes in the US. The table below shows the trend of the mortgage payments with 20% 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.

Data Source: Zillow.
US - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
US - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 134
Month Mortgage Payments ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2015 679.3362173935187 -1.92 -4.11
Feb 2015 685.6266252704179 0.93 -2.21
Mar 2015 693.6988306688493 1.18 -2.00
Apr 2015 688.6572690259591 -0.73 -3.13
May 2015 706.6369647107579 2.61 0.58
Jun 2015 722.544528866276 2.25 2.70
Jul 2015 731.8277242482808 1.29 3.93
Aug 2015 723.2969934239036 -1.17 2.53
Sep 2015 726.2207861593702 0.40 2.02
Oct 2015 722.3550693128561 -0.53 2.80
Nov 2015 739.3760791767079 2.36 5.40
Dec 2015 745.3227605595528 0.80 7.60
Jan 2016 741.3776745129344 -0.53 9.13
Feb 2016 726.495621497783 -2.01 5.96
Mar 2016 732.6453627624123 0.85 5.61
Apr 2016 727.4603486699217 -0.71 5.64
May 2016 729.8300623728617 0.33 3.28
Jun 2016 730.3669119715446 0.07 1.08
Jul 2016 721.4019798249905 -1.23 -1.42
Aug 2016 723.3592524564243 0.27 0.01
Sep 2016 728.2660416999271 0.68 0.28
Oct 2016 732.5151064252892 0.58 1.41
Nov 2016 763.9921891253665 4.30 3.33
Dec 2016 808.8255120070941 5.87 8.52
Jan 2017 808.4485380997902 -0.05 9.05
Feb 2017 814.6010275271216 0.76 12.13
Mar 2017 821.9853489949706 0.91 12.19
Apr 2017 812.1505771725956 -1.20 11.64
May 2017 813.0859858272097 0.12 11.41
Jun 2017 806.7483145256538 -0.78 10.46
Jul 2017 816.4438130523586 1.20 13.18
Aug 2017 811.3349975304066 -0.63 12.16
Sep 2017 807.5747069417876 -0.46 10.89
Oct 2017 820.6559825143868 1.62 12.03
Nov 2017 827.8686766435387 0.88 8.36
Dec 2017 835.427629702798 0.91 3.29
Jan 2018 848.5372553512104 1.57 4.96
Feb 2018 884.0125950730143 4.18 8.52
Mar 2018 901.5822968326979 1.99 9.68
Apr 2018 909.1830429407769 0.84 11.95
May 2018 926.9149226779301 1.95 14.00
Jun 2018 928.8282856005624 0.21 15.13
Jul 2018 928.8155964538256 0.00 13.76
Aug 2018 935.6788751325896 0.74 15.33
Sep 2018 948.6848833915567 1.39 17.47
Oct 2018 974.3467638345268 2.71 18.73
Nov 2018 981.587518360466 0.74 18.57
Dec 2018 959.3461359996818 -2.27 14.83
Jan 2019 944.0221600472064 -1.60 11.25
Feb 2019 938.1456981766314 -0.62 6.12
Mar 2019 931.2620506877471 -0.73 3.29
Apr 2019 921.89709320511 -1.01 1.40
May 2019 917.1975632116918 -0.51 -1.05
Jun 2019 890.3312413413299 -2.93 -4.14
Jul 2019 888.64845167783 -0.19 -4.32
Aug 2019 875.097041389597 -1.52 -6.47
Sep 2019 876.1782310857142 0.12 -7.64
Oct 2019 888.3817128220483 1.39 -8.82
Nov 2019 893.4963429670597 0.58 -8.97
Dec 2019 901.3747156100708 0.88 -6.04
Jan 2020 896.369768904516 -0.56 -5.05
Feb 2020 884.2205777845786 -1.35 -5.75
Mar 2020 888.1239973697932 0.44 -4.63
Apr 2020 876.9285562057216 -1.26 -4.88
May 2020 871.4518244604847 -0.62 -4.99
Jun 2020 865.223511844675 -0.71 -2.82
Jul 2020 851.5289467330382 -1.58 -4.18
Aug 2020 848.1668623906768 -0.39 -3.08
Sep 2020 852.5427358523258 0.52 -2.70
Oct 2020 857.6496163220949 0.60 -3.46
Nov 2020 862.62607384814 0.58 -3.45
Dec 2020 865.7456334097246 0.36 -3.95
Jan 2021 883.2706327511594 2.02 -1.46
Feb 2021 904.0395261275384 2.35 2.24
Mar 2021 949.3347250171507 5.01 6.89
Apr 2021 960.9315916613807 1.22 9.58
May 2021 964.7114857917612 0.39 10.70
Jun 2021 983.1517697753471 1.91 13.63
Jul 2021 984.6839807574119 0.16 15.64
Aug 2021 992.0449147358261 0.75 16.96
Sep 2021 1005.9368667106352 1.40 17.99
Oct 2021 1034.2670122994186 2.82 20.59
Nov 2021 1043.110087447345 0.86 20.92
Dec 2021 1058.109551002562 1.44 22.22
Jan 2022 1121.105934930192 5.95 26.93
Feb 2022 1185.551666887107 5.75 31.14
Mar 2022 1269.9683996810195 7.12 33.78
Apr 2022 1422.586434643801 12.02 48.04
May 2022 1487.413180540589 4.56 54.18
Jun 2022 1557.655645856841 4.72 58.44
Jul 2022 1549.8382865659055 -0.50 57.39
Aug 2022 1518.9207795040265 -1.99 53.11
Sep 2022 1668.0318435302015 9.82 65.82
Oct 2022 1804.1031355482755 8.16 74.43
Nov 2022 1781.5176578544508 -1.25 70.79
Dec 2022 1697.4921766973857 -4.72 60.43
Jan 2023 1675.3600165177681 -1.30 49.44
Feb 2023 1668.4257642811422 -0.41 40.73
Mar 2023 1718.906319217807 3.03 35.35
Apr 2023 1687.9136875256468 -1.80 18.65
May 2023 1710.7158428939015 1.35 15.01
Jun 2023 1772.7220368850576 3.63 13.81
Jul 2023 1804.8674049666774 1.81 16.45
Aug 2023 1856.4372132228573 2.86 22.22
Sep 2023 1887.0276546341393 1.65 13.13
Oct 2023 1971.8907812117309 4.50 9.30
Nov 2023 1941.487398242194 -1.54 8.98
Dec 2023 1825.5503413657725 -5.97 7.54
Jan 2024 1795.7184942548145 -1.63 7.18
Feb 2024 1824.6033722419554 1.61 9.36
Mar 2024 1840.807369860562 0.89 7.09
Apr 2024 1883.1084670786663 2.30 11.56
May 2024 1903.5691150453642 1.09 11.27
Jun 2024 1879.3009102967667 -1.27 6.01
Jul 2024 1866.7425973384186 -0.67 3.43
Aug 2024 1802.3519865946155 -3.45 -2.91
Sep 2024 1744.9486823369568 -3.18 -7.53
Oct 2024 1794.0378606248419 2.81 -9.02
Nov 2024 1867.8457108874486 4.11 -3.79
Dec 2024 1854.3947063777177 -0.72 1.58
Jan 2025 1904.2159025734568 2.69 6.04
Feb 2025 1884.3937799144462 -1.04 3.28
Mar 2025 1846.1736316119914 -2.03 0.29
Apr 2025 1857.7679464225994 0.63 -1.35
May 2025 1871.608790036858 0.75 -1.68
Jun 2025 1868.7037416052713 -0.15 -0.56
Jul 2025 1847.9607728346857 -1.11 -1.01
Aug 2025 1821.7420061015978 -1.42 1.08
Sep 2025 1778.8496612840438 -2.35 1.94
Oct 2025 1762.61395896 -0.91 -1.75
Nov 2025 1762.8341188373902 0.01 -5.62
Dec 2025 1757.8221837831586 -0.28 -5.21
Jan 2026 1745.1694068375577 -0.72 -8.35
Feb 2026 1738.359528577991 -0.39 -7.75