Charlotte, NC (Metro) - 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 Charlotte, NC Metro in February 2026 was $2,863.466. The month over month percentage change (MoM) was -0.36%, and the year over year percentage change (YoY) was -6.29%.
The chart below shows the trend of the total monthly payments with 10% down for all homes in the Charlotte, NC metro. The table below shows the trend of the the total monthly payments with 10% down, and the MoM and YoY percentage changes for all homes in the Charlotte, NC metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Charlotte, NC (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 10% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2012 | 860.9824768050884 | NaN | NaN |
| Feb 2012 | 859.3008494091272 | -0.19 | NaN |
| Mar 2012 | 864.8633525959664 | 0.65 | NaN |
| Apr 2012 | 863.6166111158697 | -0.14 | NaN |
| May 2012 | 857.5053935673291 | -0.71 | NaN |
| Jun 2012 | 850.4129819517842 | -0.83 | NaN |
| Jul 2012 | 843.1272723183029 | -0.86 | NaN |
| Aug 2012 | 849.1531002004775 | 0.72 | NaN |
| Sep 2012 | 843.7440521920487 | -0.64 | NaN |
| Oct 2012 | 837.919195739905 | -0.69 | NaN |
| Nov 2012 | 838.5146921300325 | 0.07 | NaN |
| Dec 2012 | 840.6098674836446 | 0.25 | NaN |
| Jan 2013 | 921.5673359538474 | 9.63 | 7.04 |
| Feb 2013 | 933.4469374977361 | 1.29 | 8.63 |
| Mar 2013 | 939.5826223114252 | 0.66 | 8.64 |
| Apr 2013 | 935.1755370102319 | -0.47 | 8.29 |
| May 2013 | 948.7887423076115 | 1.46 | 10.65 |
| Jun 2013 | 999.154970556227 | 5.31 | 17.49 |
| Jul 2013 | 1032.3750121992953 | 3.33 | 22.45 |
| Aug 2013 | 1047.418928384688 | 1.46 | 23.35 |
| Sep 2013 | 1056.9295621630677 | 0.91 | 25.27 |
| Oct 2013 | 1038.468496616069 | -1.75 | 23.93 |
| Nov 2013 | 1049.5905118790724 | 1.07 | 25.17 |
| Dec 2013 | 1072.5412729881145 | 2.19 | 27.59 |
| Jan 2014 | 1143.0033538047774 | 6.57 | 24.03 |
| Feb 2014 | 1138.3850238873583 | -0.40 | 21.96 |
| Mar 2014 | 1147.7172361792418 | 0.82 | 22.15 |
| Apr 2014 | 1152.3988320387914 | 0.41 | 23.23 |
| May 2014 | 1144.5350100893315 | -0.68 | 20.63 |
| Jun 2014 | 1146.229298156257 | 0.15 | 14.72 |
| Jul 2014 | 1146.7397050912784 | 0.05 | 11.08 |
| Aug 2014 | 1147.4171267910515 | 0.06 | 9.55 |
| Sep 2014 | 1153.589834952922 | 0.54 | 9.15 |
| Oct 2014 | 1144.4814701484893 | -0.79 | 10.21 |
| Nov 2014 | 1144.643124889151 | 0.01 | 9.06 |
| Dec 2014 | 1137.6718489364148 | -0.61 | 6.07 |
| Jan 2015 | 1114.3588055380055 | -2.05 | -2.51 |
| Feb 2015 | 1123.6335931826309 | 0.83 | -1.30 |
| Mar 2015 | 1134.3593403350746 | 0.96 | -1.16 |
| Apr 2015 | 1130.1804119667604 | -0.37 | -1.93 |
| May 2015 | 1149.9292004726744 | 1.75 | 0.47 |
| Jun 2015 | 1167.8176762545786 | 1.56 | 1.88 |
| Jul 2015 | 1180.1425460101298 | 1.06 | 2.91 |
| Aug 2015 | 1174.8214641216982 | -0.45 | 2.39 |
| Sep 2015 | 1181.7036100554315 | 0.59 | 2.44 |
| Oct 2015 | 1182.4318490997498 | 0.06 | 3.32 |
| Nov 2015 | 1205.5656780199265 | 1.96 | 5.32 |
| Dec 2015 | 1217.5957625366464 | 1.00 | 7.03 |
| Jan 2016 | 1206.6390720829027 | -0.90 | 8.28 |
| Feb 2016 | 1196.2748156881094 | -0.86 | 6.47 |
| Mar 2016 | 1207.202915981105 | 0.91 | 6.42 |
| Apr 2016 | 1205.7025505649165 | -0.12 | 6.68 |
| May 2016 | 1211.4200387435142 | 0.47 | 5.35 |
| Jun 2016 | 1215.531481573262 | 0.34 | 4.09 |
| Jul 2016 | 1209.3973274340015 | -0.50 | 2.48 |
| Aug 2016 | 1215.449358326042 | 0.50 | 3.46 |
| Sep 2016 | 1225.2313784214691 | 0.81 | 3.68 |
| Oct 2016 | 1234.7666244095162 | 0.78 | 4.43 |
| Nov 2016 | 1273.1882700871256 | 3.11 | 5.61 |
| Dec 2016 | 1325.722721266801 | 4.13 | 8.88 |
| Jan 2017 | 1320.7079774454742 | -0.38 | 9.45 |
| Feb 2017 | 1330.1124824541641 | 0.71 | 11.19 |
| Mar 2017 | 1340.5734706549188 | 0.79 | 11.05 |
| Apr 2017 | 1333.321635532385 | -0.54 | 10.59 |
| May 2017 | 1337.9275363750826 | 0.35 | 10.44 |
| Jun 2017 | 1334.7319659380687 | -0.24 | 9.81 |
| Jul 2017 | 1348.6900627411517 | 1.05 | 11.52 |
| Aug 2017 | 1347.713767274548 | -0.07 | 10.88 |
| Sep 2017 | 1348.1898445449756 | 0.04 | 10.04 |
| Oct 2017 | 1367.2102185839767 | 1.41 | 10.73 |
| Nov 2017 | 1380.730546216621 | 0.99 | 8.45 |
| Dec 2017 | 1394.8357474375616 | 1.02 | 5.21 |
| Jan 2018 | 1410.8979539607535 | 1.15 | 6.83 |
| Feb 2018 | 1454.8789170313985 | 3.12 | 9.38 |
| Mar 2018 | 1478.8830242177553 | 1.65 | 10.32 |
| Apr 2018 | 1490.4017530229748 | 0.78 | 11.78 |
| May 2018 | 1512.0618536727477 | 1.45 | 13.02 |
| Jun 2018 | 1516.4772947194992 | 0.29 | 13.62 |
| Jul 2018 | 1519.0469367761818 | 0.17 | 12.63 |
| Aug 2018 | 1529.6403656734874 | 0.70 | 13.50 |
| Sep 2018 | 1547.6514341510795 | 1.18 | 14.80 |
| Oct 2018 | 1579.5264065783874 | 2.06 | 15.53 |
| Nov 2018 | 1591.4543753018138 | 0.76 | 15.26 |
| Dec 2018 | 1570.3146648536126 | -1.33 | 12.58 |
| Jan 2019 | 1567.2132045381095 | -0.20 | 11.08 |
| Feb 2019 | 1563.4737555608076 | -0.24 | 7.46 |
| Mar 2019 | 1558.2386115377492 | -0.33 | 5.37 |
| Apr 2019 | 1550.040893006957 | -0.53 | 4.00 |
| May 2019 | 1548.0663198815575 | -0.13 | 2.38 |
| Jun 2019 | 1521.3478138879032 | -1.73 | 0.32 |
| Jul 2019 | 1522.4169225182266 | 0.07 | 0.22 |
| Aug 2019 | 1510.2497557286233 | -0.80 | -1.27 |
| Sep 2019 | 1514.245724547022 | 0.27 | -2.16 |
| Oct 2019 | 1530.7502467988284 | 1.09 | -3.09 |
| Nov 2019 | 1539.8057296200814 | 0.59 | -3.24 |
| Dec 2019 | 1552.3958216724036 | 0.82 | -1.14 |
| Jan 2020 | 1534.911325162891 | -1.13 | -2.06 |
| Feb 2020 | 1525.0989588192363 | -0.64 | -2.45 |
| Mar 2020 | 1533.771155084573 | 0.57 | -1.57 |
| Apr 2020 | 1525.6986961059442 | -0.53 | -1.57 |
| May 2020 | 1523.0980235629922 | -0.17 | -1.61 |
| Jun 2020 | 1519.6452296152381 | -0.23 | -0.11 |
| Jul 2020 | 1509.1512977868524 | -0.69 | -0.87 |
| Aug 2020 | 1512.379956332215 | 0.21 | 0.14 |
| Sep 2020 | 1525.9527453434448 | 0.90 | 0.77 |
| Oct 2020 | 1541.6262661068488 | 1.03 | 0.71 |
| Nov 2020 | 1557.8345466162577 | 1.05 | 1.17 |
| Dec 2020 | 1572.3963862674939 | 0.94 | 1.29 |
| Jan 2021 | 1573.0408205902309 | 0.04 | 2.48 |
| Feb 2021 | 1607.4296709220844 | 2.19 | 5.40 |
| Mar 2021 | 1670.2800405103953 | 3.91 | 8.90 |
| Apr 2021 | 1695.5718649793955 | 1.51 | 11.13 |
| May 2021 | 1712.842060143551 | 1.02 | 12.46 |
| Jun 2021 | 1748.7026879152886 | 2.09 | 15.07 |
| Jul 2021 | 1766.7035024293236 | 1.03 | 17.07 |
| Aug 2021 | 1791.9704064221887 | 1.43 | 18.49 |
| Sep 2021 | 1825.220888722284 | 1.86 | 19.61 |
| Oct 2021 | 1875.3388782153897 | 2.75 | 21.65 |
| Nov 2021 | 1903.842875327829 | 1.52 | 22.21 |
| Dec 2021 | 1939.0281291057386 | 1.85 | 23.32 |
| Jan 2022 | 1999.592868267643 | 3.12 | 27.12 |
| Feb 2022 | 2093.8881191180217 | 4.72 | 30.26 |
| Mar 2022 | 2213.2941471816944 | 5.70 | 32.51 |
| Apr 2022 | 2417.15196462953 | 9.21 | 42.56 |
| May 2022 | 2516.013840927861 | 4.09 | 46.89 |
| Jun 2022 | 2621.4574713591255 | 4.19 | 49.91 |
| Jul 2022 | 2626.780764223715 | 0.20 | 48.68 |
| Aug 2022 | 2596.594113687811 | -1.15 | 44.90 |
| Sep 2022 | 2780.4093401953696 | 7.08 | 52.33 |
| Oct 2022 | 2945.451360997498 | 5.94 | 57.06 |
| Nov 2022 | 2913.612368019787 | -1.08 | 53.04 |
| Dec 2022 | 2804.0368369742746 | -3.76 | 44.61 |
| Jan 2023 | 2795.8189437989636 | -0.29 | 39.82 |
| Feb 2023 | 2777.5211067335104 | -0.65 | 32.65 |
| Mar 2023 | 2831.5096960021947 | 1.94 | 27.93 |
| Apr 2023 | 2789.10646116063 | -1.50 | 15.39 |
| May 2023 | 2813.876575796823 | 0.89 | 11.84 |
| Jun 2023 | 2890.0031520451835 | 2.71 | 10.24 |
| Jul 2023 | 2933.894108343892 | 1.52 | 11.69 |
| Aug 2023 | 3004.821082063103 | 2.42 | 15.72 |
| Sep 2023 | 3050.692454193409 | 1.53 | 9.72 |
| Oct 2023 | 3162.390505805832 | 3.66 | 7.37 |
| Nov 2023 | 3133.298038924076 | -0.92 | 7.54 |
| Dec 2023 | 2997.104333876349 | -4.35 | 6.89 |
| Jan 2024 | 2960.803234304903 | -1.21 | 5.90 |
| Feb 2024 | 2999.5052819740745 | 1.31 | 7.99 |
| Mar 2024 | 3025.8650857112048 | 0.88 | 6.86 |
| Apr 2024 | 3084.329060125218 | 1.93 | 10.59 |
| May 2024 | 3113.067708094744 | 0.93 | 10.63 |
| Jun 2024 | 3082.6287420156696 | -0.98 | 6.67 |
| Jul 2024 | 3065.261610498159 | -0.56 | 4.48 |
| Aug 2024 | 2981.9844211947257 | -2.72 | -0.76 |
| Sep 2024 | 2914.9130878612405 | -2.25 | -4.45 |
| Oct 2024 | 2971.0417993401084 | 1.93 | -6.05 |
| Nov 2024 | 3058.2064004533386 | 2.93 | -2.40 |
| Dec 2024 | 3039.5626610936465 | -0.61 | 1.42 |
| Jan 2025 | 3080.779969810626 | 1.36 | 4.05 |
| Feb 2025 | 3055.611563666971 | -0.82 | 1.87 |
| Mar 2025 | 3009.938468701214 | -1.49 | -0.53 |
| Apr 2025 | 3021.570141518704 | 0.39 | -2.03 |
| May 2025 | 3036.2337999556535 | 0.49 | -2.47 |
| Jun 2025 | 3029.5469182427496 | -0.22 | -1.72 |
| Jul 2025 | 3002.455759222857 | -0.89 | -2.05 |
| Aug 2025 | 2969.443454334893 | -1.10 | -0.42 |
| Sep 2025 | 2924.3414790213656 | -1.52 | 0.32 |
| Oct 2025 | 2904.0828156727052 | -0.69 | -2.25 |
| Nov 2025 | 2902.179031735866 | -0.07 | -5.10 |
| Dec 2025 | 2892.046559447984 | -0.35 | -4.85 |
| Jan 2026 | 2873.865610140416 | -0.63 | -6.72 |
| Feb 2026 | 2863.465641779757 | -0.36 | -6.29 |
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