Modesto, CA (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 Modesto, CA Metro in February 2026 was $3,008.176. The month over month percentage change (MoM) was -0.44%, and the year over year percentage change (YoY) was -7.90%.
The chart below shows the trend of the mortgage payments with 5% down for all homes in the Modesto, CA metro. The table below shows the trend of the the mortgage payments with 5% down, and the MoM and YoY percentage changes for all homes in the Modesto, CA metro.
You can see similar information for other US metros, and for the United States.
Note: The Mortgage Payment value is an estimate of the monthly mortgage payment on a new home purchase with the average interest rate of that month. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance.
Related Topics: Modesto, CA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Modesto, CA (Metro) - Trend of Mortgage Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Modesto, CA (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 | 1151.9971464449109 | -1.22 | 5.58 |
| Feb 2015 | 1163.9494733074944 | 1.04 | 6.51 |
| Mar 2015 | 1178.5036302046892 | 1.25 | 5.73 |
| Apr 2015 | 1174.6876225968904 | -0.32 | 3.84 |
| May 2015 | 1204.122812728173 | 2.51 | 6.54 |
| Jun 2015 | 1229.818174853741 | 2.13 | 7.93 |
| Jul 2015 | 1247.151478361672 | 1.41 | 8.67 |
| Aug 2015 | 1240.1921285191909 | -0.56 | 7.28 |
| Sep 2015 | 1250.9711149745606 | 0.87 | 6.70 |
| Oct 2015 | 1250.2543806992285 | -0.06 | 7.24 |
| Nov 2015 | 1281.783183374469 | 2.52 | 9.34 |
| Dec 2015 | 1298.0077313805543 | 1.27 | 11.30 |
| Jan 2016 | 1300.6204962711502 | 0.20 | 12.90 |
| Feb 2016 | 1284.6956138559094 | -1.22 | 10.37 |
| Mar 2016 | 1298.3092156076364 | 1.06 | 10.17 |
| Apr 2016 | 1293.1860038418483 | -0.39 | 10.09 |
| May 2016 | 1297.0942525748337 | 0.30 | 7.72 |
| Jun 2016 | 1299.1792719764824 | 0.16 | 5.64 |
| Jul 2016 | 1289.8942915099524 | -0.71 | 3.43 |
| Aug 2016 | 1297.4652054915248 | 0.59 | 4.62 |
| Sep 2016 | 1308.454084370817 | 0.85 | 4.60 |
| Oct 2016 | 1317.4338597238136 | 0.69 | 5.37 |
| Nov 2016 | 1370.813119402543 | 4.05 | 6.95 |
| Dec 2016 | 1446.0715709199644 | 5.49 | 11.41 |
| Jan 2017 | 1452.5435704023953 | 0.45 | 11.68 |
| Feb 2017 | 1467.741947829287 | 1.05 | 14.25 |
| Mar 2017 | 1484.5472477346511 | 1.15 | 14.35 |
| Apr 2017 | 1473.5939729935944 | -0.74 | 13.95 |
| May 2017 | 1475.678906775248 | 0.14 | 13.77 |
| Jun 2017 | 1465.982796359963 | -0.66 | 12.84 |
| Jul 2017 | 1481.9474089811406 | 1.09 | 14.89 |
| Aug 2017 | 1477.0542081842714 | -0.33 | 13.84 |
| Sep 2017 | 1475.6943015583927 | -0.09 | 12.78 |
| Oct 2017 | 1501.7693722201834 | 1.77 | 13.99 |
| Nov 2017 | 1519.9317395263226 | 1.21 | 10.88 |
| Dec 2017 | 1539.813522159393 | 1.31 | 6.48 |
| Jan 2018 | 1568.2823604404366 | 1.85 | 7.97 |
| Feb 2018 | 1632.984840430575 | 4.13 | 11.26 |
| Mar 2018 | 1666.705751593379 | 2.07 | 12.27 |
| Apr 2018 | 1681.954294215619 | 0.92 | 14.14 |
| May 2018 | 1713.1488645259315 | 1.86 | 16.09 |
| Jun 2018 | 1718.7544881408726 | 0.33 | 17.24 |
| Jul 2018 | 1719.9120859907434 | 0.07 | 16.06 |
| Aug 2018 | 1730.001167565568 | 0.59 | 17.13 |
| Sep 2018 | 1749.7203547544239 | 1.14 | 18.57 |
| Oct 2018 | 1792.105607857769 | 2.42 | 19.33 |
| Nov 2018 | 1804.542460192777 | 0.69 | 18.73 |
| Dec 2018 | 1770.8779333236666 | -1.87 | 15.01 |
| Jan 2019 | 1747.7998352103486 | -1.30 | 11.45 |
| Feb 2019 | 1740.7123674123923 | -0.41 | 6.60 |
| Mar 2019 | 1732.587891874425 | -0.47 | 3.95 |
| Apr 2019 | 1718.808775886394 | -0.79 | 2.19 |
| May 2019 | 1711.4265099821475 | -0.43 | -0.10 |
| Jun 2019 | 1667.006831475625 | -2.59 | -3.01 |
| Jul 2019 | 1664.9483273142948 | -0.12 | -3.20 |
| Aug 2019 | 1645.0637959162536 | -1.19 | -4.91 |
| Sep 2019 | 1649.8930219741235 | 0.29 | -5.70 |
| Oct 2019 | 1670.8357248344064 | 1.27 | -6.77 |
| Nov 2019 | 1680.918436602375 | 0.60 | -6.85 |
| Dec 2019 | 1694.7003200703025 | 0.82 | -4.30 |
| Jan 2020 | 1687.227933096522 | -0.44 | -3.47 |
| Feb 2020 | 1667.0293241547329 | -1.20 | -4.23 |
| Mar 2020 | 1673.9241498749086 | 0.41 | -3.39 |
| Apr 2020 | 1657.8767497231531 | -0.96 | -3.54 |
| May 2020 | 1650.6888044386685 | -0.43 | -3.55 |
| Jun 2020 | 1640.7044030689626 | -0.60 | -1.58 |
| Jul 2020 | 1619.0398024864317 | -1.32 | -2.76 |
| Aug 2020 | 1615.274292196663 | -0.23 | -1.81 |
| Sep 2020 | 1625.9362724141927 | 0.66 | -1.45 |
| Oct 2020 | 1640.7354280488598 | 0.91 | -1.80 |
| Nov 2020 | 1658.7438641802546 | 1.10 | -1.32 |
| Dec 2020 | 1676.4215863402621 | 1.07 | -1.08 |
| Jan 2021 | 1718.8089775766498 | 2.53 | 1.87 |
| Feb 2021 | 1767.4411228132522 | 2.83 | 6.02 |
| Mar 2021 | 1854.0260047081392 | 4.90 | 10.76 |
| Apr 2021 | 1883.9299020397493 | 1.61 | 13.64 |
| May 2021 | 1897.620604163032 | 0.73 | 14.96 |
| Jun 2021 | 1934.1296351392534 | 1.92 | 17.88 |
| Jul 2021 | 1940.9003522743192 | 0.35 | 19.88 |
| Aug 2021 | 1954.1867344381662 | 0.69 | 20.98 |
| Sep 2021 | 1975.968811730679 | 1.12 | 21.53 |
| Oct 2021 | 2019.721029258304 | 2.21 | 23.10 |
| Nov 2021 | 2033.9048665331402 | 0.70 | 22.62 |
| Dec 2021 | 2060.093854145548 | 1.29 | 22.89 |
| Jan 2022 | 2167.266353896475 | 5.20 | 26.09 |
| Feb 2022 | 2280.463799260527 | 5.22 | 29.03 |
| Mar 2022 | 2427.405321791326 | 6.44 | 30.93 |
| Apr 2022 | 2681.5466316436823 | 10.47 | 42.34 |
| May 2022 | 2783.8738879864823 | 3.82 | 46.70 |
| Jun 2022 | 2888.4695573254917 | 3.76 | 49.34 |
| Jul 2022 | 2865.940805764645 | -0.78 | 47.66 |
| Aug 2022 | 2801.1547073896895 | -2.26 | 43.34 |
| Sep 2022 | 3017.5860738245838 | 7.73 | 52.71 |
| Oct 2022 | 3204.456090624293 | 6.19 | 58.66 |
| Nov 2022 | 3138.1419802851055 | -2.07 | 54.29 |
| Dec 2022 | 2980.7639965754247 | -5.01 | 44.69 |
| Jan 2023 | 2920.569576274899 | -2.02 | 34.76 |
| Feb 2023 | 2890.1776986866607 | -1.04 | 26.74 |
| Mar 2023 | 2954.0538818909617 | 2.21 | 21.70 |
| Apr 2023 | 2900.6354563321956 | -1.81 | 8.17 |
| May 2023 | 2933.9635296177303 | 1.15 | 5.39 |
| Jun 2023 | 3027.5676017337946 | 3.19 | 4.82 |
| Jul 2023 | 3082.222515373212 | 1.81 | 7.55 |
| Aug 2023 | 3169.7813760439512 | 2.84 | 13.16 |
| Sep 2023 | 3226.7518039902675 | 1.80 | 6.93 |
| Oct 2023 | 3364.7895325939267 | 4.28 | 5.00 |
| Nov 2023 | 3323.832385478802 | -1.22 | 5.92 |
| Dec 2023 | 3151.4323595164597 | -5.19 | 5.73 |
| Jan 2024 | 3110.339843203777 | -1.30 | 6.50 |
| Feb 2024 | 3158.1888668402344 | 1.54 | 9.27 |
| Mar 2024 | 3187.82246073985 | 0.94 | 7.91 |
| Apr 2024 | 3256.5123877976594 | 2.15 | 12.27 |
| May 2024 | 3292.6418170954803 | 1.11 | 12.23 |
| Jun 2024 | 3257.1722535890785 | -1.08 | 7.58 |
| Jul 2024 | 3241.415763383555 | -0.48 | 5.17 |
| Aug 2024 | 3143.8069283252125 | -3.01 | -0.82 |
| Sep 2024 | 3055.999129853705 | -2.79 | -5.29 |
| Oct 2024 | 3128.899340257987 | 2.38 | -7.01 |
| Nov 2024 | 3244.269582942454 | 3.69 | -2.39 |
| Dec 2024 | 3225.5006634505357 | -0.58 | 2.35 |
| Jan 2025 | 3302.4497705344843 | 2.39 | 6.18 |
| Feb 2025 | 3266.3239899445634 | -1.09 | 3.42 |
| Mar 2025 | 3202.6452712818927 | -1.95 | 0.47 |
| Apr 2025 | 3220.8210200712524 | 0.57 | -1.10 |
| May 2025 | 3246.0983109278814 | 0.79 | -1.41 |
| Jun 2025 | 3242.191596824711 | -0.12 | -0.46 |
| Jul 2025 | 3204.494891232385 | -1.16 | -1.14 |
| Aug 2025 | 3154.474508636501 | -1.56 | 0.34 |
| Sep 2025 | 3080.7022928254887 | -2.34 | 0.81 |
| Oct 2025 | 3051.1518046690708 | -0.96 | -2.48 |
| Nov 2025 | 3049.8299331758253 | -0.04 | -5.99 |
| Dec 2025 | 3041.6525363509213 | -0.27 | -5.70 |
| Jan 2026 | 3021.4060757325337 | -0.67 | -8.51 |
| Feb 2026 | 3008.1757979975955 | -0.44 | -7.90 |
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