Charlotte, NC (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 Charlotte, NC Metro in February 2026 was $2,492.976. The month over month percentage change (MoM) was -0.45%, and the year over year percentage change (YoY) was -7.76%.
The chart below shows the trend of the mortgage payments with 5% down for all homes in the Charlotte, NC metro. The table below shows the trend of the the mortgage payments with 5% down, and the MoM and YoY percentage changes for all homes in the Charlotte, NC metro.
You can see similar information for other US metros, and for the United States.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
Related Topics: Charlotte, NC (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Charlotte, NC (Metro) - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlotte, NC (Metro) - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Mortgage Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 870.0458158988035 | -1.40 | -3.35 |
| Feb 2015 | 878.6822957161905 | 0.99 | -1.64 |
| Mar 2015 | 888.9235619142083 | 1.17 | -1.38 |
| Apr 2015 | 883.674848810345 | -0.59 | -2.32 |
| May 2015 | 903.5564566990035 | 2.25 | 0.99 |
| Jun 2015 | 921.4473957694955 | 1.98 | 2.95 |
| Jul 2015 | 932.8471401358559 | 1.24 | 4.28 |
| Aug 2015 | 925.0378735425099 | -0.84 | 3.36 |
| Sep 2015 | 929.943225549663 | 0.53 | 3.20 |
| Oct 2015 | 928.1249133919562 | -0.20 | 4.14 |
| Nov 2015 | 949.8813208654351 | 2.34 | 6.65 |
| Dec 2015 | 959.8544458994661 | 1.05 | 8.78 |
| Jan 2016 | 959.0518596034785 | -0.08 | 10.23 |
| Feb 2016 | 945.5579197492597 | -1.41 | 7.61 |
| Mar 2016 | 954.8915401298602 | 0.99 | 7.42 |
| Apr 2016 | 951.2694640313025 | -0.38 | 7.65 |
| May 2016 | 955.4027283940593 | 0.43 | 5.74 |
| Jun 2016 | 957.642709479577 | 0.23 | 3.93 |
| Jul 2016 | 949.5806610296916 | -0.84 | 1.79 |
| Aug 2016 | 954.5731104161194 | 0.53 | 3.19 |
| Sep 2016 | 963.323574380115 | 0.92 | 3.59 |
| Oct 2016 | 971.5709562565938 | 0.86 | 4.68 |
| Nov 2016 | 1010.2381819896111 | 3.98 | 6.35 |
| Dec 2016 | 1063.807182318366 | 5.30 | 10.83 |
| Jan 2017 | 1066.1982466035695 | 0.23 | 11.17 |
| Feb 2017 | 1074.6487334499202 | 0.79 | 13.65 |
| Mar 2017 | 1084.237079951981 | 0.89 | 13.55 |
| Apr 2017 | 1074.9177545227003 | -0.86 | 13.00 |
| May 2017 | 1078.1553608902627 | 0.30 | 12.85 |
| Jun 2017 | 1073.2148240969059 | -0.46 | 12.07 |
| Jul 2017 | 1086.3683564838484 | 1.23 | 14.41 |
| Aug 2017 | 1083.3875465810215 | -0.27 | 13.49 |
| Sep 2017 | 1081.9077165010733 | -0.14 | 12.31 |
| Oct 2017 | 1099.8151202297986 | 1.66 | 13.20 |
| Nov 2017 | 1111.6924280643423 | 1.08 | 10.04 |
| Dec 2017 | 1124.1051573754673 | 1.12 | 5.67 |
| Jan 2018 | 1142.898089395247 | 1.67 | 7.19 |
| Feb 2018 | 1187.034616788596 | 3.86 | 10.46 |
| Mar 2018 | 1210.0377267051808 | 1.94 | 11.60 |
| Apr 2018 | 1220.2487563961665 | 0.84 | 13.52 |
| May 2018 | 1241.3603851724029 | 1.73 | 15.14 |
| Jun 2018 | 1244.5382535045803 | 0.26 | 15.96 |
| Jul 2018 | 1245.551370454867 | 0.08 | 14.65 |
| Aug 2018 | 1254.9984271947148 | 0.76 | 15.84 |
| Sep 2018 | 1272.1430368743465 | 1.37 | 17.58 |
| Oct 2018 | 1304.2022112920085 | 2.52 | 18.58 |
| Nov 2018 | 1315.1714895151188 | 0.84 | 18.30 |
| Dec 2018 | 1291.3205976905592 | -1.81 | 14.88 |
| Jan 2019 | 1275.867683455686 | -1.20 | 11.63 |
| Feb 2019 | 1270.1788599270099 | -0.45 | 7.00 |
| Mar 2019 | 1262.931488398779 | -0.57 | 4.37 |
| Apr 2019 | 1252.7008758129778 | -0.81 | 2.66 |
| May 2019 | 1249.050237392633 | -0.29 | 0.62 |
| Jun 2019 | 1219.4247199881615 | -2.37 | -2.02 |
| Jul 2019 | 1219.2451185869097 | -0.01 | -2.11 |
| Aug 2019 | 1205.1714354589956 | -1.15 | -3.97 |
| Sep 2019 | 1208.2206380426721 | 0.25 | -5.03 |
| Oct 2019 | 1224.2293116135374 | 1.33 | -6.13 |
| Nov 2019 | 1232.0434256430324 | 0.64 | -6.32 |
| Dec 2019 | 1243.323006065174 | 0.92 | -3.72 |
| Jan 2020 | 1239.3392485511583 | -0.32 | -2.86 |
| Feb 2020 | 1227.0180638176357 | -0.99 | -3.40 |
| Mar 2020 | 1234.02289299006 | 0.57 | -2.29 |
| Apr 2020 | 1223.5192324245174 | -0.85 | -2.33 |
| May 2020 | 1219.408147128933 | -0.34 | -2.37 |
| Jun 2020 | 1214.6477329149636 | -0.39 | -0.39 |
| Jul 2020 | 1201.9254574381685 | -1.05 | -1.42 |
| Aug 2020 | 1202.4301962483923 | 0.04 | -0.23 |
| Sep 2020 | 1212.6135283330163 | 0.85 | 0.36 |
| Oct 2020 | 1224.2718971854206 | 0.96 | 0.00 |
| Nov 2020 | 1236.00473855523 | 0.96 | 0.32 |
| Dec 2020 | 1245.9719436840733 | 0.81 | 0.21 |
| Jan 2021 | 1273.154640692316 | 2.18 | 2.73 |
| Feb 2021 | 1304.561426403274 | 2.47 | 6.32 |
| Mar 2021 | 1365.8112480278332 | 4.70 | 10.68 |
| Apr 2021 | 1387.0072680502483 | 1.55 | 13.36 |
| May 2021 | 1399.2256630065554 | 0.88 | 14.75 |
| Jun 2021 | 1430.4737583394053 | 2.23 | 17.77 |
| Jul 2021 | 1442.6359560194637 | 0.85 | 20.03 |
| Aug 2021 | 1462.933310971073 | 1.41 | 21.67 |
| Sep 2021 | 1492.5126473369821 | 2.02 | 23.08 |
| Oct 2021 | 1539.9791920994594 | 3.18 | 25.79 |
| Nov 2021 | 1563.903403715007 | 1.55 | 26.53 |
| Dec 2021 | 1594.5496246197984 | 1.96 | 27.98 |
| Jan 2022 | 1685.5979219326086 | 5.71 | 32.40 |
| Feb 2022 | 1777.7990496064917 | 5.47 | 36.28 |
| Mar 2022 | 1895.7383898671794 | 6.63 | 38.80 |
| Apr 2022 | 2102.5844523135224 | 10.91 | 51.59 |
| May 2022 | 2198.9966926574098 | 4.59 | 57.16 |
| Jun 2022 | 2303.107541434842 | 4.73 | 61.00 |
| Jul 2022 | 2303.8436504794636 | 0.03 | 59.70 |
| Aug 2022 | 2269.5739480467364 | -1.49 | 55.14 |
| Sep 2022 | 2463.4923068575786 | 8.54 | 65.06 |
| Oct 2022 | 2637.9181306892992 | 7.08 | 71.30 |
| Nov 2022 | 2604.56503317684 | -1.26 | 66.54 |
| Dec 2022 | 2489.395184768901 | -4.42 | 56.12 |
| Jan 2023 | 2451.866970679296 | -1.51 | 45.46 |
| Feb 2023 | 2433.6563388687646 | -0.74 | 36.89 |
| Mar 2023 | 2490.716722489398 | 2.35 | 31.39 |
| Apr 2023 | 2444.7940438839614 | -1.84 | 16.28 |
| May 2023 | 2468.9517038945974 | 0.99 | 12.28 |
| Jun 2023 | 2546.489867224839 | 3.14 | 10.57 |
| Jul 2023 | 2589.6471293300237 | 1.70 | 12.41 |
| Aug 2023 | 2660.963900070793 | 2.75 | 17.25 |
| Sep 2023 | 2706.1653345718732 | 1.70 | 9.85 |
| Oct 2023 | 2821.124342894263 | 4.25 | 6.95 |
| Nov 2023 | 2787.843058168872 | -1.18 | 7.04 |
| Dec 2023 | 2642.0747708648432 | -5.23 | 6.13 |
| Jan 2024 | 2605.3476021184233 | -1.39 | 6.26 |
| Feb 2024 | 2644.005854876416 | 1.48 | 8.64 |
| Mar 2024 | 2668.5893478178887 | 0.93 | 7.14 |
| Apr 2024 | 2725.443099576619 | 2.13 | 11.48 |
| May 2024 | 2753.533239040911 | 1.03 | 11.53 |
| Jun 2024 | 2720.9189389050307 | -1.18 | 6.85 |
| Jul 2024 | 2702.3982381829337 | -0.68 | 4.35 |
| Aug 2024 | 2614.9487245909677 | -3.24 | -1.73 |
| Sep 2024 | 2537.3607074206957 | -2.97 | -6.24 |
| Oct 2024 | 2596.496148228081 | 2.33 | -7.96 |
| Nov 2024 | 2688.3056249561328 | 3.54 | -3.57 |
| Dec 2024 | 2668.033955063691 | -0.75 | 0.98 |
| Jan 2025 | 2729.8557857836104 | 2.32 | 4.78 |
| Feb 2025 | 2702.8159655397744 | -0.99 | 2.22 |
| Mar 2025 | 2653.8248210846805 | -1.81 | -0.55 |
| Apr 2025 | 2666.676460963551 | 0.48 | -2.16 |
| May 2025 | 2682.743469432278 | 0.60 | -2.57 |
| Jun 2025 | 2676.472223106941 | -0.23 | -1.63 |
| Jul 2025 | 2647.994697634913 | -1.06 | -2.01 |
| Aug 2025 | 2613.234659893828 | -1.31 | -0.07 |
| Sep 2025 | 2558.432707149379 | -2.10 | 0.83 |
| Oct 2025 | 2536.7184236059547 | -0.85 | -2.30 |
| Nov 2025 | 2534.410213194152 | -0.09 | -5.72 |
| Dec 2025 | 2523.56419061605 | -0.43 | -5.41 |
| Jan 2026 | 2504.197647990261 | -0.77 | -8.27 |
| Feb 2026 | 2492.976289898231 | -0.45 | -7.76 |
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