US - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)
According to data from Zillow.com, the smoothed and seasonally adjusted Mortgage Payments with 5% down for all homes in the US in February 2026 was $2,349.77. The month over month percentage change (MoM) was -0.32%, and the year over year percentage change (YoY) was -6.85%.
The chart below shows the trend of the mortgage payments with 5% down for all homes in the US. The table below shows the trend of the mortgage payments with 5% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
| Month | Mortgage Payments ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 953.3052261030464 | -1.57 | -2.80 |
| Feb 2015 | 961.4066340160066 | 0.85 | -1.16 |
| Mar 2015 | 971.6340342534018 | 1.06 | -1.00 |
| Apr 2015 | 966.3487793054376 | -0.54 | -1.97 |
| May 2015 | 988.473646111591 | 2.29 | 1.21 |
| Jun 2015 | 1008.1071848958213 | 1.99 | 3.03 |
| Jul 2015 | 1019.8990324523463 | 1.17 | 4.09 |
| Aug 2015 | 1010.5743642042751 | -0.91 | 2.92 |
| Sep 2015 | 1014.9371464761908 | 0.43 | 2.52 |
| Oct 2015 | 1011.2827928942652 | -0.36 | 3.25 |
| Nov 2015 | 1032.3361378828988 | 2.08 | 5.51 |
| Dec 2015 | 1040.2345752703764 | 0.77 | 7.41 |
| Jan 2016 | 1036.4515497831517 | -0.36 | 8.72 |
| Feb 2016 | 1019.6766635119611 | -1.62 | 6.06 |
| Mar 2016 | 1027.6473258382698 | 0.78 | 5.77 |
| Apr 2016 | 1022.1007403932307 | -0.54 | 5.77 |
| May 2016 | 1025.5283738830694 | 0.34 | 3.75 |
| Jun 2016 | 1026.9133032713803 | 0.14 | 1.87 |
| Jul 2016 | 1016.8362569066074 | -0.98 | -0.30 |
| Aug 2016 | 1019.6953037754201 | 0.28 | 0.90 |
| Sep 2016 | 1026.108677578844 | 0.63 | 1.10 |
| Oct 2016 | 1031.8935486654018 | 0.56 | 2.04 |
| Nov 2016 | 1070.090909829325 | 3.70 | 3.66 |
| Dec 2016 | 1124.19465648544 | 5.06 | 8.07 |
| Jan 2017 | 1124.6122996664192 | 0.04 | 8.51 |
| Feb 2017 | 1132.8240268236257 | 0.73 | 11.10 |
| Mar 2017 | 1142.5253725819612 | 0.86 | 11.18 |
| Apr 2017 | 1131.8597488447372 | -0.93 | 10.74 |
| May 2017 | 1133.8722079693828 | 0.18 | 10.57 |
| Jun 2017 | 1127.191223683601 | -0.59 | 9.77 |
| Jul 2017 | 1139.4250786726436 | 1.09 | 12.06 |
| Aug 2017 | 1134.096681291142 | -0.47 | 11.22 |
| Sep 2017 | 1130.4000332028256 | -0.33 | 10.16 |
| Oct 2017 | 1146.8112957359695 | 1.45 | 11.14 |
| Nov 2017 | 1156.3217982607243 | 0.83 | 8.06 |
| Dec 2017 | 1166.287462486208 | 0.86 | 3.74 |
| Jan 2018 | 1182.8339719169612 | 1.42 | 5.18 |
| Feb 2018 | 1225.9113897004897 | 3.64 | 8.22 |
| Mar 2018 | 1247.8748575158138 | 1.79 | 9.22 |
| Apr 2018 | 1257.9018323854345 | 0.80 | 11.14 |
| May 2018 | 1279.9309272284286 | 1.75 | 12.88 |
| Jun 2018 | 1282.908722369077 | 0.23 | 13.82 |
| Jul 2018 | 1283.787559106918 | 0.07 | 12.67 |
| Aug 2018 | 1292.7949324166188 | 0.70 | 13.99 |
| Sep 2018 | 1309.107058976796 | 1.26 | 15.81 |
| Oct 2018 | 1340.177054173217 | 2.37 | 16.86 |
| Nov 2018 | 1349.374978390913 | 0.69 | 16.70 |
| Dec 2018 | 1323.604050683248 | -1.91 | 13.49 |
| Jan 2019 | 1306.1796869845082 | -1.32 | 10.43 |
| Feb 2019 | 1300.098362744039 | -0.47 | 6.05 |
| Mar 2019 | 1292.8718467144083 | -0.56 | 3.61 |
| Apr 2019 | 1282.596315676636 | -0.79 | 1.96 |
| May 2019 | 1277.6458610308582 | -0.39 | -0.18 |
| Jun 2019 | 1246.2959322250433 | -2.45 | -2.85 |
| Jul 2019 | 1244.8075237625842 | -0.12 | -3.04 |
| Aug 2019 | 1229.275674249607 | -1.25 | -4.91 |
| Sep 2019 | 1231.0532393229912 | 0.14 | -5.96 |
| Oct 2019 | 1246.2324577139602 | 1.23 | -7.01 |
| Nov 2019 | 1253.2418311886759 | 0.56 | -7.12 |
| Dec 2019 | 1263.697719502603 | 0.83 | -4.53 |
| Jan 2020 | 1258.9659146018996 | -0.37 | -3.61 |
| Feb 2020 | 1245.722781087449 | -1.05 | -4.18 |
| Mar 2020 | 1251.5898506751898 | 0.47 | -3.19 |
| Apr 2020 | 1239.3499595556993 | -0.98 | -3.37 |
| May 2020 | 1233.4400103290996 | -0.48 | -3.46 |
| Jun 2020 | 1226.3781033431928 | -0.57 | -1.60 |
| Jul 2020 | 1210.6518768114752 | -1.28 | -2.74 |
| Aug 2020 | 1207.9440678152778 | -0.22 | -1.73 |
| Sep 2020 | 1215.3468345014846 | 0.61 | -1.28 |
| Oct 2020 | 1224.1063984413943 | 0.72 | -1.77 |
| Nov 2020 | 1233.0640517066297 | 0.73 | -1.61 |
| Dec 2020 | 1239.739286786147 | 0.54 | -1.90 |
| Jan 2021 | 1263.407408669108 | 1.91 | 0.35 |
| Feb 2021 | 1290.991116047812 | 2.18 | 3.63 |
| Mar 2021 | 1347.8277655867366 | 4.40 | 7.69 |
| Apr 2021 | 1364.9332383981107 | 1.27 | 10.13 |
| May 2021 | 1373.120679144762 | 0.60 | 11.32 |
| Jun 2021 | 1398.9964944243118 | 1.88 | 14.08 |
| Jul 2021 | 1404.3866742813536 | 0.39 | 16.00 |
| Aug 2021 | 1415.6652697393752 | 0.80 | 17.20 |
| Sep 2021 | 1433.7106868315677 | 1.27 | 17.97 |
| Oct 2021 | 1468.8706704632987 | 2.45 | 20.00 |
| Nov 2021 | 1481.4296456283414 | 0.86 | 20.14 |
| Dec 2021 | 1501.7776381824897 | 1.37 | 21.14 |
| Jan 2022 | 1580.0749752095417 | 5.21 | 25.07 |
| Feb 2022 | 1660.7832024547877 | 5.11 | 28.64 |
| Mar 2022 | 1765.9413906262507 | 6.33 | 31.02 |
| Apr 2022 | 1952.0859223843456 | 10.54 | 43.02 |
| May 2022 | 2033.4558205190285 | 4.17 | 48.09 |
| Jun 2022 | 2120.53672102338 | 4.28 | 51.58 |
| Jul 2022 | 2113.1811889607093 | -0.35 | 50.47 |
| Aug 2022 | 2076.7600613112463 | -1.72 | 46.70 |
| Sep 2022 | 2252.827664686433 | 8.48 | 57.13 |
| Oct 2022 | 2413.4490047631557 | 7.13 | 64.31 |
| Nov 2022 | 2385.8378153957087 | -1.14 | 61.05 |
| Dec 2022 | 2285.339201960333 | -4.21 | 52.18 |
| Jan 2023 | 2258.115840391349 | -1.19 | 42.91 |
| Feb 2023 | 2249.193398456822 | -0.39 | 35.43 |
| Mar 2023 | 2309.0904284788044 | 2.66 | 30.76 |
| Apr 2023 | 2273.049298056355 | -1.56 | 16.44 |
| May 2023 | 2301.4125275655715 | 1.25 | 13.18 |
| Jun 2023 | 2376.577154868407 | 3.27 | 12.07 |
| Jul 2023 | 2416.132002642776 | 1.66 | 14.34 |
| Aug 2023 | 2478.6537938966676 | 2.59 | 19.35 |
| Sep 2023 | 2515.9489864234124 | 1.51 | 11.68 |
| Oct 2023 | 2617.449089413052 | 4.03 | 8.45 |
| Nov 2023 | 2581.8587771214548 | -1.36 | 8.22 |
| Dec 2023 | 2444.524432974761 | -5.32 | 6.97 |
| Jan 2024 | 2409.4383648102826 | -1.43 | 6.70 |
| Feb 2024 | 2444.3608601449127 | 1.45 | 8.68 |
| Mar 2024 | 2464.812188048331 | 0.84 | 6.74 |
| Apr 2024 | 2516.500557105133 | 2.10 | 10.71 |
| May 2024 | 2541.9221061578032 | 1.01 | 10.45 |
| Jun 2024 | 2513.5440942708155 | -1.12 | 5.76 |
| Jul 2024 | 2498.7472082971954 | -0.59 | 3.42 |
| Aug 2024 | 2422.4742399652046 | -3.05 | -2.27 |
| Sep 2024 | 2354.661233521711 | -2.80 | -6.41 |
| Oct 2024 | 2413.416238480313 | 2.50 | -7.79 |
| Nov 2024 | 2501.4497671198715 | 3.65 | -3.11 |
| Dec 2024 | 2486.0414112236194 | -0.62 | 1.70 |
| Jan 2025 | 2545.6979403115793 | 2.40 | 5.66 |
| Feb 2025 | 2522.519444618901 | -0.91 | 3.20 |
| Mar 2025 | 2476.917266285209 | -1.81 | 0.49 |
| Apr 2025 | 2490.2717334014114 | 0.54 | -1.04 |
| May 2025 | 2506.17057967968 | 0.64 | -1.41 |
| Jun 2025 | 2502.237229312786 | -0.16 | -0.45 |
| Jul 2025 | 2477.2706948992 | -1.00 | -0.86 |
| Aug 2025 | 2445.9575620596656 | -1.26 | 0.97 |
| Sep 2025 | 2395.2121675537987 | -2.08 | 1.72 |
| Oct 2025 | 2376.272494785881 | -0.79 | -1.54 |
| Nov 2025 | 2377.063455872275 | 0.03 | -4.97 |
| Dec 2025 | 2371.7312748416207 | -0.22 | -4.60 |
| Jan 2026 | 2357.29713809176 | -0.61 | -7.40 |
| Feb 2026 | 2349.769805883862 | -0.32 | -6.85 |