Bay City, MI (Metro) - 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 Bay City, MI Metro in February 2026 was $1,146.368. The month over month percentage change (MoM) was 0.27%, and the year over year percentage change (YoY) was -0.82%.

The chart below shows the trend of the mortgage payments with 5% down for all homes in the Bay City, MI metro. The table below shows the trend of the the mortgage payments with 5% down, and the MoM and YoY percentage changes for all homes in the Bay City, MI 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.
Bay City, MI (Metro) - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Bay City, MI (Metro) - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 134
Month Mortgage Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2015 444.52392408212654 -2.18 -6.81
Feb 2015 445.324172359845 0.18 -5.99
Mar 2015 448.5017060295828 0.71 -6.04
Apr 2015 445.2195901089233 -0.73 -7.18
May 2015 456.64068790743863 2.57 -4.09
Jun 2015 467.42903670527403 2.36 -2.36
Jul 2015 475.3937882735395 1.70 -0.90
Aug 2015 472.0176535097154 -0.71 -1.48
Sep 2015 473.048669074282 0.22 -1.28
Oct 2015 469.54489199806517 -0.74 0.26
Nov 2015 476.2313091086552 1.42 2.84
Dec 2015 478.4075148141721 0.46 5.28
Jan 2016 475.62774636769075 -0.58 7.00
Feb 2016 467.8317857719667 -1.64 5.05
Mar 2016 469.48855140441856 0.35 4.68
Apr 2016 465.0869244263547 -0.94 4.46
May 2016 465.8350861092192 0.16 2.01
Jun 2016 466.50697866844854 0.14 -0.20
Jul 2016 460.78346659080773 -1.23 -3.07
Aug 2016 460.31944365420134 -0.10 -2.48
Sep 2016 461.21565043341104 0.20 -2.50
Oct 2016 461.97786054611663 0.17 -1.61
Nov 2016 475.82014765746897 3.00 -0.09
Dec 2016 496.29991509889174 4.30 3.74
Jan 2017 493.09926235337434 -0.64 3.67
Feb 2017 494.2891955362475 0.24 5.66
Mar 2017 496.6126742208361 0.47 5.78
Apr 2017 489.6479091393396 -1.40 5.28
May 2017 489.47540014506063 -0.04 5.08
Jun 2017 486.9516177565354 -0.52 4.38
Jul 2017 493.3328351652899 1.31 7.06
Aug 2017 491.5491591725861 -0.36 6.78
Sep 2017 489.61464951067325 -0.39 6.16
Oct 2017 496.87797612244617 1.48 7.55
Nov 2017 501.56611429406826 0.94 5.41
Dec 2017 505.7376262189667 0.83 1.90
Jan 2018 512.5217611128636 1.34 3.94
Feb 2018 529.3374333119618 3.28 7.09
Mar 2018 538.2289813416501 1.68 8.38
Apr 2018 541.7355712902352 0.65 10.64
May 2018 550.6343249617395 1.64 12.50
Jun 2018 550.1809595991285 -0.08 12.99
Jul 2018 548.188083253139 -0.36 11.12
Aug 2018 549.1640849510131 0.18 11.72
Sep 2018 553.0784049219714 0.71 12.96
Oct 2018 563.7033626081541 1.92 13.45
Nov 2018 567.2346761820522 0.63 13.09
Dec 2018 556.3309972995646 -1.92 10.00
Jan 2019 549.4932566674378 -1.23 7.21
Feb 2019 548.7339115434047 -0.14 3.66
Mar 2019 550.7924254257623 0.38 2.33
Apr 2019 553.0454983814415 0.41 2.09
May 2019 556.8006882625394 0.68 1.12
Jun 2019 547.101461769429 -1.74 -0.56
Jul 2019 548.8587053608346 0.32 0.12
Aug 2019 543.7990192555083 -0.92 -0.98
Sep 2019 547.0954778774652 0.61 -1.08
Oct 2019 556.849778519098 1.78 -1.22
Nov 2019 562.9229923888852 1.09 -0.76
Dec 2019 569.4884064752166 1.17 2.37
Jan 2020 568.0811316094558 -0.25 3.38
Feb 2020 562.1647016659604 -1.04 2.45
Mar 2020 563.9773441861593 0.32 2.39
Apr 2020 560.2139424158847 -0.67 1.30
May 2020 559.3460122702155 -0.15 0.46
Jun 2020 558.0726664017975 -0.23 2.01
Jul 2020 550.5143822218024 -1.35 0.30
Aug 2020 549.699133873412 -0.15 1.09
Sep 2020 553.5508019673761 0.70 1.18
Oct 2020 557.3544066217404 0.69 0.09
Nov 2020 559.1727414796853 0.33 -0.67
Dec 2020 558.2673797375917 -0.16 -1.97
Jan 2021 565.6081881491173 1.32 -0.43
Feb 2021 575.4264881718319 1.74 2.36
Mar 2021 599.7202594152463 4.22 6.34
Apr 2021 605.1433543561387 0.90 8.02
May 2021 606.1614312432989 0.17 8.37
Jun 2021 615.9842126840078 1.62 10.38
Jul 2021 617.777931164347 0.29 12.22
Aug 2021 621.7533697813809 0.64 13.11
Sep 2021 626.735547060247 0.80 13.22
Oct 2021 637.9733862181928 1.79 14.47
Nov 2021 639.5388238845175 0.25 14.37
Dec 2021 644.1169909982681 0.72 15.38
Jan 2022 674.9291013866252 4.78 19.33
Feb 2022 706.9012146237619 4.74 22.85
Mar 2022 747.3800893558055 5.73 24.62
Apr 2022 819.2389671569663 9.62 35.38
May 2022 845.0792637784743 3.15 39.42
Jun 2022 876.5809086936216 3.73 42.31
Jul 2022 870.7549590713928 -0.66 40.95
Aug 2022 854.2478400026181 -1.90 37.39
Sep 2022 925.5743746415499 8.35 47.68
Oct 2022 993.2790405513083 7.32 55.69
Nov 2022 984.9158004862953 -0.84 54.00
Dec 2022 949.2105015486047 -3.62 47.37
Jan 2023 945.9054243332786 -0.35 40.15
Feb 2023 948.5045077100176 0.28 34.18
Mar 2023 978.1706413806913 3.13 30.88
Apr 2023 965.1798869069818 -1.33 17.81
May 2023 982.3052620706426 1.77 16.24
Jun 2023 1019.8499704876531 3.82 16.34
Jul 2023 1041.3352189572072 2.11 19.59
Aug 2023 1072.6595744782458 3.01 25.57
Sep 2023 1093.771226567976 1.97 18.17
Oct 2023 1144.656094541795 4.65 15.24
Nov 2023 1135.6718633493563 -0.78 15.31
Dec 2023 1079.8224088895681 -4.92 13.76
Jan 2024 1066.3794619848188 -1.25 12.74
Feb 2024 1086.1574808171354 1.86 14.51
Mar 2024 1102.7433685532394 1.53 12.74
Apr 2024 1134.657572965586 2.89 17.56
May 2024 1151.1100709445425 1.45 17.18
Jun 2024 1140.705706582205 -0.90 11.85
Jul 2024 1132.8816336205257 -0.69 8.79
Aug 2024 1097.284865099369 -3.14 2.30
Sep 2024 1066.107839233526 -2.84 -2.53
Oct 2024 1096.0279574783467 2.81 -4.25
Nov 2024 1139.760259604594 3.99 0.36
Dec 2024 1136.050090199978 -0.33 5.21
Jan 2025 1164.4081471561121 2.50 9.19
Feb 2025 1155.8439807390732 -0.73 6.42
Mar 2025 1136.5749102130983 -1.67 3.07
Apr 2025 1146.1445330650786 0.84 1.01
May 2025 1158.8686165504357 1.11 0.67
Jun 2025 1164.4161168272778 0.48 2.08
Jul 2025 1161.4270571558366 -0.26 2.52
Aug 2025 1153.3560409999586 -0.69 5.11
Sep 2025 1135.008963802493 -1.59 6.46
Oct 2025 1130.2923692899017 -0.42 3.13
Nov 2025 1136.8725446608835 0.58 -0.25
Dec 2025 1142.297161010961 0.48 0.55
Jan 2026 1143.3074098502784 0.09 -1.81
Feb 2026 1146.367734379632 0.27 -0.82