Charlotte, NC (Metro) - 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 Charlotte, NC Metro in February 2026 was $1,844.304. The month over month percentage change (MoM) was -0.52%, and the year over year percentage change (YoY) was -8.66%.
The chart below shows the trend of the mortgage payments with 20% down for all homes in the Charlotte, NC metro. The table below shows the trend of the the mortgage payments with 20% down, and the MoM and YoY percentage changes for all homes in the Charlotte, NC metro.
You can see similar information for other US metros, and for the United States.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
| Month | Mortgage Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 620.0046085427227 | -1.76 | -4.65 |
| Feb 2015 | 626.6318077920865 | 1.07 | -2.68 |
| Mar 2015 | 634.6476283405424 | 1.28 | -2.38 |
| Apr 2015 | 629.7406496710781 | -0.77 | -3.48 |
| May 2015 | 645.931628544916 | 2.57 | 0.35 |
| Jun 2015 | 660.4325258530222 | 2.25 | 2.63 |
| Jul 2015 | 669.3637094601695 | 1.35 | 4.13 |
| Aug 2015 | 662.0760791447237 | -1.09 | 2.97 |
| Sep 2015 | 665.4048506225399 | 0.50 | 2.70 |
| Oct 2015 | 662.9557437890003 | -0.37 | 3.69 |
| Nov 2015 | 680.3205864177005 | 2.62 | 6.54 |
| Dec 2015 | 687.7308083777198 | 1.09 | 8.97 |
| Jan 2016 | 686.013386307245 | -0.25 | 10.65 |
| Feb 2016 | 673.6877611814946 | -1.80 | 7.51 |
| Mar 2016 | 680.7752438284474 | 1.05 | 7.27 |
| Apr 2016 | 677.0475635474297 | -0.55 | 7.51 |
| May 2016 | 679.924271831549 | 0.43 | 5.26 |
| Jun 2016 | 681.0999003192624 | 0.17 | 3.13 |
| Jul 2016 | 673.6870014394659 | -1.09 | 0.65 |
| Aug 2016 | 677.162372925555 | 0.52 | 2.28 |
| Sep 2016 | 683.7052075666962 | 0.97 | 2.75 |
| Oct 2016 | 689.6936252217902 | 0.88 | 4.03 |
| Nov 2016 | 721.2602902302708 | 4.58 | 6.02 |
| Dec 2016 | 765.3784724483968 | 6.12 | 11.29 |
| Jan 2017 | 766.4565059860101 | 0.14 | 11.73 |
| Feb 2017 | 772.7678278096067 | 0.82 | 14.71 |
| Mar 2017 | 780.0500679854122 | 0.94 | 14.58 |
| Apr 2017 | 771.2926231714905 | -1.12 | 13.92 |
| May 2017 | 773.1321116462371 | 0.24 | 13.71 |
| Jun 2017 | 768.1165646718663 | -0.65 | 12.78 |
| Jul 2017 | 778.4265415505394 | 1.34 | 15.55 |
| Aug 2017 | 775.0575827707004 | -0.43 | 14.46 |
| Sep 2017 | 772.9310699114626 | -0.27 | 13.05 |
| Oct 2017 | 787.0256086875539 | 1.82 | 14.11 |
| Nov 2017 | 795.916275763881 | 1.13 | 10.35 |
| Dec 2017 | 805.2118687454235 | 1.17 | 5.20 |
| Jan 2018 | 819.88819305713 | 1.82 | 6.97 |
| Feb 2018 | 855.9783038520933 | 4.40 | 10.77 |
| Mar 2018 | 874.245190794902 | 2.13 | 12.08 |
| Apr 2018 | 881.9682497648388 | 0.88 | 14.35 |
| May 2018 | 898.9824692564604 | 1.93 | 16.28 |
| Jun 2018 | 901.0479952403202 | 0.23 | 17.31 |
| Jul 2018 | 901.1518540246019 | 0.01 | 15.77 |
| Aug 2018 | 908.323112355994 | 0.80 | 17.19 |
| Sep 2018 | 921.897762538848 | 1.49 | 19.27 |
| Oct 2018 | 948.1920317925092 | 2.85 | 20.48 |
| Nov 2018 | 956.7065784419741 | 0.90 | 20.20 |
| Dec 2018 | 935.9471400013875 | -2.17 | 16.24 |
| Jan 2019 | 922.1146052660573 | -1.48 | 12.47 |
| Feb 2019 | 916.5559064626135 | -0.60 | 7.08 |
| Mar 2019 | 909.6958610037527 | -0.75 | 4.06 |
| Apr 2019 | 900.4090234410429 | -1.02 | 2.09 |
| May 2019 | 896.6693111197254 | -0.41 | -0.26 |
| Jun 2019 | 871.1349340048399 | -2.85 | -3.32 |
| Jul 2019 | 870.3998539252534 | -0.08 | -3.41 |
| Aug 2019 | 857.9377104986735 | -1.43 | -5.55 |
| Sep 2019 | 859.927570625345 | 0.23 | -6.72 |
| Oct 2019 | 872.6966835169825 | 1.49 | -7.96 |
| Nov 2019 | 878.3829806770377 | 0.65 | -8.19 |
| Dec 2019 | 886.8417689671602 | 0.96 | -5.25 |
| Jan 2020 | 882.3958003417274 | -0.50 | -4.31 |
| Feb 2020 | 870.943871150721 | -1.30 | -4.98 |
| Mar 2020 | 875.6585425943911 | 0.54 | -3.74 |
| Apr 2020 | 865.7271868267201 | -1.13 | -3.85 |
| May 2020 | 861.5380121275261 | -0.48 | -3.92 |
| Jun 2020 | 856.9476038930543 | -0.53 | -1.63 |
| Jul 2020 | 845.3910974965811 | -1.35 | -2.87 |
| Aug 2020 | 844.2952566838256 | -0.13 | -1.59 |
| Sep 2020 | 850.625373456147 | 0.75 | -1.08 |
| Oct 2020 | 857.7655702412122 | 0.84 | -1.71 |
| Nov 2020 | 864.6833174658694 | 0.81 | -1.56 |
| Dec 2020 | 870.0980771464305 | 0.63 | -1.89 |
| Jan 2021 | 890.0850963498651 | 2.30 | 0.87 |
| Feb 2021 | 913.5423776891454 | 2.64 | 4.89 |
| Mar 2021 | 962.0012873138829 | 5.31 | 9.86 |
| Apr 2021 | 976.4720092080317 | 1.50 | 12.79 |
| May 2021 | 983.0520279963733 | 0.67 | 14.10 |
| Jun 2021 | 1005.2725741155646 | 2.26 | 17.31 |
| Jul 2021 | 1011.5024173694417 | 0.62 | 19.65 |
| Aug 2021 | 1025.1685781722133 | 1.35 | 21.42 |
| Sep 2021 | 1047.194186231619 | 2.15 | 23.11 |
| Oct 2021 | 1084.3362251311135 | 3.55 | 26.41 |
| Nov 2021 | 1101.181835413077 | 1.55 | 27.35 |
| Dec 2021 | 1123.4740380071742 | 2.02 | 29.12 |
| Jan 2022 | 1195.9773199585286 | 6.45 | 34.37 |
| Feb 2022 | 1269.0835405463886 | 6.11 | 38.92 |
| Mar 2022 | 1363.3112978566746 | 7.43 | 41.72 |
| Apr 2022 | 1532.2625327376675 | 12.39 | 56.92 |
| May 2022 | 1608.501464167014 | 4.98 | 63.62 |
| Jun 2022 | 1691.7643676550583 | 5.18 | 68.29 |
| Jul 2022 | 1689.6729511069018 | -0.12 | 67.05 |
| Aug 2022 | 1659.9428574009582 | -1.76 | 61.92 |
| Sep 2022 | 1824.011520518178 | 9.88 | 74.18 |
| Oct 2022 | 1971.8984579760133 | 8.11 | 81.85 |
| Nov 2022 | 1944.842422939471 | -1.37 | 76.61 |
| Dec 2022 | 1849.0598013759093 | -4.92 | 64.58 |
| Jan 2023 | 1819.109460648719 | -1.62 | 52.10 |
| Feb 2023 | 1805.2582494509356 | -0.76 | 42.25 |
| Mar 2023 | 1854.110458761442 | 2.71 | 36.00 |
| Apr 2023 | 1815.4473523216152 | -2.08 | 18.48 |
| May 2023 | 1835.2532388707266 | 1.09 | 14.10 |
| Jun 2023 | 1899.4622981570874 | 3.50 | 12.28 |
| Jul 2023 | 1934.4844110259194 | 1.84 | 14.49 |
| Aug 2023 | 1992.9820047067005 | 3.02 | 20.06 |
| Sep 2023 | 2029.6948991834508 | 1.84 | 11.28 |
| Oct 2023 | 2125.332296588301 | 4.71 | 7.78 |
| Nov 2023 | 2096.3819608082417 | -1.36 | 7.79 |
| Dec 2023 | 1973.079276608731 | -5.88 | 6.71 |
| Jan 2024 | 1941.7267282763075 | -1.59 | 6.74 |
| Feb 2024 | 1973.6292123205487 | 1.64 | 9.33 |
| Mar 2024 | 1992.9952320157208 | 0.98 | 7.49 |
| Apr 2024 | 2039.4610932484047 | 2.33 | 12.34 |
| May 2024 | 2062.0383364193085 | 1.11 | 12.36 |
| Jun 2024 | 2034.34881066264 | -1.34 | 7.10 |
| Jul 2024 | 2018.884459155091 | -0.76 | 4.36 |
| Aug 2024 | 1945.5554783019202 | -3.63 | -2.38 |
| Sep 2024 | 1880.3402204933298 | -3.35 | -7.36 |
| Oct 2024 | 1930.1322004118717 | 2.65 | -9.18 |
| Nov 2024 | 2007.3719637034337 | 4.00 | -4.25 |
| Dec 2024 | 1990.1470749318412 | -0.86 | 0.87 |
| Jan 2025 | 2041.9684192324387 | 2.60 | 5.16 |
| Feb 2025 | 2019.0804096997074 | -1.12 | 2.30 |
| Mar 2025 | 1978.0319166460988 | -2.03 | -0.75 |
| Apr 2025 | 1989.3676606492588 | 0.57 | -2.46 |
| May 2025 | 2003.4734664570121 | 0.71 | -2.84 |
| Jun 2025 | 1998.8247313369798 | -0.23 | -1.75 |
| Jul 2025 | 1975.3151474238373 | -1.18 | -2.16 |
| Aug 2025 | 1946.329497115404 | -1.47 | 0.04 |
| Sep 2025 | 1900.0684850305527 | -2.38 | 1.05 |
| Oct 2025 | 1881.6256608658662 | -0.97 | -2.51 |
| Nov 2025 | 1879.5227295727095 | -0.11 | -6.37 |
| Dec 2025 | 1870.3540167137648 | -0.49 | -6.02 |
| Jan 2026 | 1853.923738899077 | -0.88 | -9.21 |
| Feb 2026 | 1844.3036748586899 | -0.52 | -8.66 |