US - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)
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 $1,738.36. The month over month percentage change (MoM) was -0.39%, and the year over year percentage change (YoY) was -7.75%.
The chart below shows the trend of the mortgage payments with 20% down for all homes in the US. The table below shows the trend of the mortgage payments with 20% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
| Month | Mortgage Payments ($) | 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 |