Charlotte, NC (Metro) - 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 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.

Data Source: Zillow.
Charlotte, NC (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlotte, NC (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 134
Month Mortgage Payment ($) 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