Modesto, CA (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 Modesto, CA Metro in February 2026 was $2,225.448. The month over month percentage change (MoM) was -0.51%, and the year over year percentage change (YoY) was -8.79%.
The chart below shows the trend of the mortgage payments with 20% down for all homes in the Modesto, CA metro. The table below shows the trend of the the mortgage payments with 20% down, and the MoM and YoY percentage changes for all homes in the Modesto, CA metro.
You can see similar information for other US metros, and for the United States.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
Related Topics: Modesto, CA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Modesto, CA (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Modesto, CA (Metro) - Trend of Mortgage Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Mortgage Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 820.926354419691 | -1.57 | 4.16 |
| Feb 2015 | 830.0699424503983 | 1.11 | 5.38 |
| Mar 2015 | 841.3935302710653 | 1.36 | 4.65 |
| Apr 2015 | 837.1275335160132 | -0.51 | 2.60 |
| May 2015 | 860.7995699959802 | 2.83 | 5.87 |
| Jun 2015 | 881.4522969923165 | 2.40 | 7.58 |
| Jul 2015 | 894.8925326536636 | 1.53 | 8.51 |
| Aug 2015 | 887.6409986238275 | -0.81 | 6.87 |
| Sep 2015 | 895.1108250729505 | 0.84 | 6.19 |
| Oct 2015 | 893.0514749924355 | -0.23 | 6.77 |
| Nov 2015 | 918.0341457595634 | 2.80 | 9.23 |
| Dec 2015 | 930.0159104293789 | 1.31 | 11.50 |
| Jan 2016 | 930.33871110628 | 0.04 | 13.33 |
| Feb 2016 | 915.3153855744553 | -1.61 | 10.27 |
| Mar 2016 | 925.6095961430437 | 1.13 | 10.01 |
| Apr 2016 | 920.4000193639661 | -0.56 | 9.95 |
| May 2016 | 923.0933081604909 | 0.29 | 7.24 |
| Jun 2016 | 924.0094075596418 | 0.10 | 4.83 |
| Jul 2016 | 915.1250157926843 | -0.96 | 2.26 |
| Aug 2016 | 920.4057895114865 | 0.58 | 3.69 |
| Sep 2016 | 928.6566789584707 | 0.90 | 3.75 |
| Oct 2016 | 935.2129444088515 | 0.71 | 4.72 |
| Nov 2016 | 978.6930309885165 | 4.65 | 6.61 |
| Dec 2016 | 1040.4066342076512 | 6.31 | 11.87 |
| Jan 2017 | 1044.1880516213341 | 0.36 | 12.24 |
| Feb 2017 | 1055.4367408668568 | 1.08 | 15.31 |
| Mar 2017 | 1068.051630898159 | 1.20 | 15.39 |
| Apr 2017 | 1057.3573244444212 | -1.00 | 14.88 |
| May 2017 | 1058.1914172043719 | 0.08 | 14.64 |
| Jun 2017 | 1049.2267196883174 | -0.85 | 13.55 |
| Jul 2017 | 1061.8748138676322 | 1.21 | 16.04 |
| Aug 2017 | 1056.6874871594976 | -0.49 | 14.81 |
| Sep 2017 | 1054.2581016563493 | -0.23 | 13.53 |
| Oct 2017 | 1074.663307077429 | 1.94 | 14.91 |
| Nov 2017 | 1088.1952408774446 | 1.26 | 11.19 |
| Dec 2017 | 1102.98944503757 | 1.36 | 6.02 |
| Jan 2018 | 1125.0488583678155 | 2.00 | 7.74 |
| Feb 2018 | 1177.555880981426 | 4.67 | 11.57 |
| Mar 2018 | 1204.185171786574 | 2.26 | 12.75 |
| Apr 2018 | 1215.6785878929372 | 0.95 | 14.97 |
| May 2018 | 1240.647611146002 | 2.05 | 17.24 |
| Jun 2018 | 1244.3814253909843 | 0.30 | 18.60 |
| Jul 2018 | 1244.3500941144362 | 0.00 | 17.18 |
| Aug 2018 | 1252.1131587512778 | 0.62 | 18.49 |
| Sep 2018 | 1267.988923698452 | 1.27 | 20.27 |
| Oct 2018 | 1302.9116518810645 | 2.75 | 21.24 |
| Nov 2018 | 1312.693938781166 | 0.75 | 20.63 |
| Dec 2018 | 1283.5295432831235 | -2.22 | 16.37 |
| Jan 2019 | 1263.1966276972075 | -1.58 | 12.28 |
| Feb 2019 | 1256.0909743813788 | -0.56 | 6.67 |
| Mar 2019 | 1247.9917149438504 | -0.64 | 3.64 |
| Apr 2019 | 1235.4353391613788 | -1.01 | 1.63 |
| May 2019 | 1228.6004067707797 | -0.55 | -0.97 |
| Jun 2019 | 1190.87948794185 | -3.07 | -4.30 |
| Jul 2019 | 1188.5803427017433 | -0.19 | -4.48 |
| Aug 2019 | 1171.0883822558599 | -1.47 | -6.47 |
| Sep 2019 | 1174.2793108354504 | 0.27 | -7.39 |
| Oct 2019 | 1191.0618230851355 | 1.43 | -8.59 |
| Nov 2019 | 1198.4075527590803 | 0.62 | -8.71 |
| Dec 2019 | 1208.8017533567438 | 0.87 | -5.82 |
| Jan 2020 | 1201.2875765244262 | -0.62 | -4.90 |
| Feb 2020 | 1183.2661765254002 | -1.50 | -5.80 |
| Mar 2020 | 1187.8110121129048 | 0.38 | -4.82 |
| Apr 2020 | 1173.0661330097214 | -1.24 | -5.05 |
| May 2020 | 1166.2470474431607 | -0.58 | -5.07 |
| Jun 2020 | 1157.5353650334143 | -0.75 | -2.80 |
| Jul 2020 | 1138.7743117048212 | -1.62 | -4.19 |
| Aug 2020 | 1134.1767924657522 | -0.40 | -3.15 |
| Sep 2020 | 1140.5634331323342 | 0.56 | -2.87 |
| Oct 2020 | 1149.5537578627755 | 0.79 | -3.48 |
| Nov 2020 | 1160.4228548363672 | 0.95 | -3.17 |
| Dec 2020 | 1170.6934543393572 | 0.89 | -3.15 |
| Jan 2021 | 1201.6499846251231 | 2.64 | 0.03 |
| Feb 2021 | 1237.6821306237719 | 3.00 | 4.60 |
| Mar 2021 | 1305.8725397217538 | 5.51 | 9.94 |
| Apr 2021 | 1326.3123121465856 | 1.57 | 13.06 |
| May 2021 | 1333.2086686301955 | 0.52 | 14.32 |
| Jun 2021 | 1359.2192556169275 | 1.95 | 17.42 |
| Jul 2021 | 1360.8598829157336 | 0.12 | 19.50 |
| Aug 2021 | 1369.4204793909355 | 0.63 | 20.74 |
| Sep 2021 | 1386.4023567983702 | 1.24 | 21.55 |
| Oct 2021 | 1422.1339404580938 | 2.58 | 23.71 |
| Nov 2021 | 1432.1211199260854 | 0.70 | 23.41 |
| Dec 2021 | 1451.483180739839 | 1.35 | 23.99 |
| Jan 2022 | 1537.7341012603763 | 5.94 | 27.97 |
| Feb 2022 | 1627.9112496398368 | 5.86 | 31.53 |
| Mar 2022 | 1745.6570576214317 | 7.23 | 33.68 |
| Apr 2022 | 1954.1823535009332 | 11.95 | 47.34 |
| May 2022 | 2036.3219462013988 | 4.20 | 52.74 |
| Jun 2022 | 2121.7462867996505 | 4.20 | 56.10 |
| Jul 2022 | 2101.9233045464016 | -0.93 | 54.46 |
| Aug 2022 | 2048.735513997377 | -2.53 | 49.61 |
| Sep 2022 | 2234.2719510385978 | 9.06 | 61.16 |
| Oct 2022 | 2395.3973211832554 | 7.21 | 68.44 |
| Nov 2022 | 2343.2671385523317 | -2.18 | 63.62 |
| Dec 2022 | 2214.036131016249 | -5.51 | 52.54 |
| Jan 2023 | 2166.853181766446 | -2.13 | 40.91 |
| Feb 2023 | 2143.9005374762455 | -1.06 | 31.70 |
| Mar 2023 | 2199.0225338370187 | 2.57 | 25.97 |
| Apr 2023 | 2153.94461239878 | -2.05 | 10.22 |
| May 2023 | 2180.9118671563133 | 1.25 | 7.10 |
| Jun 2023 | 2258.3048880859574 | 3.55 | 6.44 |
| Jul 2023 | 2302.4416492007376 | 1.95 | 9.54 |
| Aug 2023 | 2374.071005300738 | 3.11 | 15.88 |
| Sep 2023 | 2420.1483899823043 | 1.94 | 8.32 |
| Oct 2023 | 2534.9098428988173 | 4.74 | 5.82 |
| Nov 2023 | 2499.4313195825175 | -1.40 | 6.66 |
| Dec 2023 | 2353.4632512162802 | -5.84 | 6.30 |
| Jan 2024 | 2318.089917314994 | -1.50 | 6.98 |
| Feb 2024 | 2357.4432689419136 | 1.70 | 9.96 |
| Mar 2024 | 2380.776558956987 | 0.99 | 8.27 |
| Apr 2024 | 2436.8625841524668 | 2.36 | 13.14 |
| May 2024 | 2465.7605576292585 | 1.19 | 13.06 |
| Jun 2024 | 2435.2891978762364 | -1.24 | 7.84 |
| Jul 2024 | 2421.5690411179166 | -0.56 | 5.17 |
| Aug 2024 | 2339.0327827875053 | -3.41 | -1.48 |
| Sep 2024 | 2264.683165011193 | -3.18 | -6.42 |
| Oct 2024 | 2325.899606129094 | 2.70 | -8.24 |
| Nov 2024 | 2422.513178203384 | 4.15 | -3.08 |
| Dec 2024 | 2405.974143759935 | -0.68 | 2.23 |
| Jan 2025 | 2470.2763320506683 | 2.67 | 6.57 |
| Feb 2025 | 2440.036933299742 | -1.22 | 3.50 |
| Mar 2025 | 2387.095980850029 | -2.17 | 0.27 |
| Apr 2025 | 2402.765116752829 | 0.66 | -1.40 |
| May 2025 | 2424.1869972126706 | 0.89 | -1.69 |
| Jun 2025 | 2421.3114156452166 | -0.12 | -0.57 |
| Jul 2025 | 2390.4456093311824 | -1.27 | -1.28 |
| Aug 2025 | 2349.4433463190358 | -1.71 | 0.45 |
| Sep 2025 | 2287.9418801994334 | -2.62 | 1.03 |
| Oct 2025 | 2263.209616580735 | -1.08 | -2.69 |
| Nov 2025 | 2261.7588308684954 | -0.06 | -6.64 |
| Dec 2025 | 2254.338153935673 | -0.33 | -6.30 |
| Jan 2026 | 2236.82681482825 | -0.78 | -9.45 |
| Feb 2026 | 2225.448232840762 | -0.51 | -8.79 |
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