US - Trend of Mortgage Payments: 5% 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 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.

Data Source: Zillow.
US - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
US - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 134
Month Mortgage Payments ($) 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