US - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted (Zillow)
Updated on March 22, 2026.
According to data from Zillow.com, the smoothed and seasonally adjusted Total Monthly Payments with 10% down for all homes in the US in February 2026 was $2,818.566. The month over month percentage change (MoM) was -0.22%, and the year over year percentage change (YoY) was -5.11%.
The chart below shows the trend of the total monthly payments with 10% down for all homes in the US. The table below shows the trend of the total monthly payments with 10% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: US - Zillow House Inventory Topic List
Data Source: Zillow.
US - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted ($)
US - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payments ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 1246.042271933465 | -1.78 | -1.46 |
| Feb 2015 | 1255.0224056833551 | 0.72 | -0.28 |
| Mar 2015 | 1266.0335510285083 | 0.88 | -0.20 |
| Apr 2015 | 1262.457219186195 | -0.28 | -0.94 |
| May 2015 | 1284.9694843293505 | 1.78 | 1.36 |
| Jun 2015 | 1305.0702199654545 | 1.56 | 2.66 |
| Jul 2015 | 1317.781615842719 | 0.97 | 3.42 |
| Aug 2015 | 1310.55274154858 | -0.55 | 2.60 |
| Sep 2015 | 1316.4293492753782 | 0.45 | 2.36 |
| Oct 2015 | 1314.786756063669 | -0.12 | 2.97 |
| Nov 2015 | 1336.3920058816348 | 1.64 | 4.66 |
| Dec 2015 | 1345.5277798478446 | 0.68 | 6.06 |
| Jan 2016 | 1338.943907187782 | -0.49 | 7.46 |
| Feb 2016 | 1324.7751341439375 | -1.06 | 5.56 |
| Mar 2016 | 1333.6721520130013 | 0.67 | 5.34 |
| Apr 2016 | 1329.673491897426 | -0.30 | 5.32 |
| May 2016 | 1334.1816183872822 | 0.34 | 3.83 |
| Jun 2016 | 1336.974392908743 | 0.21 | 2.44 |
| Jul 2016 | 1328.5948858911524 | -0.63 | 0.82 |
| Aug 2016 | 1332.3960167644723 | 0.29 | 1.67 |
| Sep 2016 | 1339.6459877618954 | 0.54 | 1.76 |
| Oct 2016 | 1346.5511346757085 | 0.52 | 2.42 |
| Nov 2016 | 1384.2929908251792 | 2.80 | 3.58 |
| Dec 2016 | 1437.1793766282403 | 3.82 | 6.81 |
| Jan 2017 | 1439.7755037686395 | 0.18 | 7.53 |
| Feb 2017 | 1449.2495720833506 | 0.66 | 9.40 |
| Mar 2017 | 1460.1790064915824 | 0.75 | 9.49 |
| Apr 2017 | 1451.953176673947 | -0.56 | 9.20 |
| May 2017 | 1455.5545978099894 | 0.25 | 9.10 |
| Jun 2017 | 1450.8268486604732 | -0.32 | 8.52 |
| Jul 2017 | 1463.8725888446133 | 0.90 | 10.18 |
| Aug 2017 | 1460.3846756331043 | -0.24 | 9.61 |
| Sep 2017 | 1458.4872282176968 | -0.13 | 8.87 |
| Oct 2017 | 1475.818079071978 | 1.19 | 9.60 |
| Nov 2017 | 1486.7236079856293 | 0.74 | 7.40 |
| Dec 2017 | 1498.132742286698 | 0.77 | 4.24 |
| Jan 2018 | 1508.7829620737791 | 0.71 | 4.79 |
| Feb 2018 | 1551.4479999330601 | 2.83 | 7.05 |
| Mar 2018 | 1574.3496899508245 | 1.48 | 7.82 |
| Apr 2018 | 1585.7962448875237 | 0.73 | 9.22 |
| May 2018 | 1608.5672850828726 | 1.44 | 10.51 |
| Jun 2018 | 1612.8611278173667 | 0.27 | 11.17 |
| Jul 2018 | 1615.4251085650983 | 0.16 | 10.35 |
| Aug 2018 | 1625.5837053295575 | 0.63 | 11.31 |
| Sep 2018 | 1642.674963489389 | 1.05 | 12.63 |
| Oct 2018 | 1673.3120662959082 | 1.87 | 13.38 |
| Nov 2018 | 1683.2331046493493 | 0.59 | 13.22 |
| Dec 2018 | 1660.0919164145223 | -1.37 | 10.81 |
| Jan 2019 | 1639.257863951856 | -1.25 | 8.65 |
| Feb 2019 | 1635.1454513419244 | -0.25 | 5.40 |
| Mar 2019 | 1630.028192851771 | -0.31 | 3.54 |
| Apr 2019 | 1621.8690294906162 | -0.50 | 2.28 |
| May 2019 | 1618.4158723088685 | -0.21 | 0.61 |
| Jun 2019 | 1589.8323463023512 | -1.77 | -1.43 |
| Jul 2019 | 1589.596866617213 | -0.01 | -1.60 |
| Aug 2019 | 1576.2942819695306 | -0.84 | -3.03 |
| Sep 2019 | 1579.276676092246 | 0.19 | -3.86 |
| Oct 2019 | 1595.2608073885522 | 1.01 | -4.66 |
| Nov 2019 | 1603.8959372230775 | 0.54 | -4.71 |
| Dec 2019 | 1616.0553782251297 | 0.76 | -2.65 |
| Jan 2020 | 1605.4475875378305 | -0.66 | -2.06 |
| Feb 2020 | 1595.226505784882 | -0.64 | -2.44 |
| Mar 2020 | 1603.1828955240442 | 0.50 | -1.65 |
| Apr 2020 | 1593.7227881244044 | -0.59 | -1.73 |
| May 2020 | 1589.553665168478 | -0.26 | -1.78 |
| Jun 2020 | 1583.8960029479542 | -0.36 | -0.37 |
| Jul 2020 | 1570.2308881900844 | -0.86 | -1.22 |
| Aug 2020 | 1569.9308850969492 | -0.02 | -0.40 |
| Sep 2020 | 1580.6155341588446 | 0.68 | 0.09 |
| Oct 2020 | 1593.333781115464 | 0.81 | -0.12 |
| Nov 2020 | 1606.780062415402 | 0.84 | 0.18 |
| Dec 2020 | 1617.9456317284082 | 0.70 | 0.12 |
| Jan 2021 | 1623.8978111029746 | 0.37 | 1.15 |
| Feb 2021 | 1654.4972114517993 | 1.88 | 3.72 |
| Mar 2021 | 1712.9932050930186 | 3.54 | 6.85 |
| Apr 2021 | 1734.2678414112684 | 1.24 | 8.82 |
| May 2021 | 1747.6160953019298 | 0.77 | 9.94 |
| Jun 2021 | 1778.1216229760857 | 1.75 | 12.26 |
| Jul 2021 | 1788.7890040869406 | 0.60 | 13.92 |
| Aug 2021 | 1803.7439281916618 | 0.84 | 14.89 |
| Sep 2021 | 1823.683381002257 | 1.11 | 15.38 |
| Oct 2021 | 1859.7925329415812 | 1.98 | 16.72 |
| Nov 2021 | 1875.2635291645363 | 0.83 | 16.71 |
| Dec 2021 | 1898.7987121444894 | 1.25 | 17.36 |
| Jan 2022 | 1963.6369278553211 | 3.42 | 20.92 |
| Feb 2022 | 2046.4365838906099 | 4.22 | 23.69 |
| Mar 2022 | 2153.407099735784 | 5.23 | 25.71 |
| Apr 2022 | 2337.1183171822486 | 8.53 | 34.76 |
| May 2022 | 2420.8524121613264 | 3.58 | 38.52 |
| Jun 2022 | 2509.008721992559 | 3.64 | 41.10 |
| Jul 2022 | 2505.8480674306875 | -0.13 | 40.09 |
| Aug 2022 | 2473.567392608642 | -1.29 | 37.14 |
| Sep 2022 | 2640.786560900148 | 6.76 | 44.81 |
| Oct 2022 | 2793.4252100472067 | 5.78 | 50.20 |
| Nov 2022 | 2767.9748508292796 | -0.91 | 47.61 |
| Dec 2022 | 2673.5728419738375 | -3.41 | 40.80 |
| Jan 2023 | 2654.6216839632534 | -0.71 | 35.19 |
| Feb 2023 | 2646.9427335197856 | -0.29 | 29.34 |
| Mar 2023 | 2705.353561855958 | 2.21 | 25.63 |
| Apr 2023 | 2674.066638066503 | -1.16 | 14.42 |
| May 2023 | 2704.5243840524035 | 1.14 | 11.72 |
| Jun 2023 | 2779.664474767104 | 2.78 | 10.79 |
| Jul 2023 | 2820.8595642019636 | 1.48 | 12.57 |
| Aug 2023 | 2883.703221745285 | 2.23 | 16.58 |
| Sep 2023 | 2922.1809166303037 | 1.33 | 10.66 |
| Oct 2023 | 3021.1439043784417 | 3.39 | 8.15 |
| Nov 2023 | 2989.9366651158593 | -1.03 | 8.02 |
| Dec 2023 | 2862.0991770735113 | -4.28 | 7.05 |
| Jan 2024 | 2833.0015943715175 | -1.02 | 6.72 |
| Feb 2024 | 2868.340215189758 | 1.25 | 8.36 |
| Mar 2024 | 2890.819061830931 | 0.78 | 6.86 |
| Apr 2024 | 2944.9453433881663 | 1.87 | 10.13 |
| May 2024 | 2971.324233632671 | 0.90 | 9.87 |
| Jun 2024 | 2945.2266847909887 | -0.88 | 5.96 |
| Jul 2024 | 2931.8111620817785 | -0.46 | 3.93 |
| Aug 2024 | 2859.838992509101 | -2.45 | -0.83 |
| Sep 2024 | 2804.003689364602 | -1.95 | -4.04 |
| Oct 2024 | 2860.4324725631354 | 2.01 | -5.32 |
| Nov 2024 | 2944.476449183212 | 2.94 | -1.52 |
| Dec 2024 | 2931.084030373186 | -0.45 | 2.41 |
| Jan 2025 | 2991.288364753644 | 2.05 | 5.59 |
| Feb 2025 | 2970.1871544168825 | -0.70 | 3.55 |
| Mar 2025 | 2927.9002841822967 | -1.42 | 1.28 |
| Apr 2025 | 2940.145785119344 | 0.42 | -0.16 |
| May 2025 | 2954.7108277543994 | 0.50 | -0.56 |
| Jun 2025 | 2950.4301546147235 | -0.14 | 0.18 |
| Jul 2025 | 2926.9328259909917 | -0.80 | -0.17 |
| Aug 2025 | 2897.380256448145 | -1.01 | 1.31 |
| Sep 2025 | 2857.5536270636144 | -1.37 | 1.91 |
| Oct 2025 | 2840.213456887954 | -0.61 | -0.71 |
| Nov 2025 | 2841.795056208381 | 0.06 | -3.49 |
| Dec 2025 | 2837.7364580322956 | -0.14 | -3.18 |
| Jan 2026 | 2824.9028021627787 | -0.45 | -5.56 |
| Feb 2026 | 2818.5655162653447 | -0.22 | -5.11 |
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