US - Trend of Total Monthly Payments: 20% 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 20% down for all homes in the US in January 2026 was $2,326.519. The month over month percentage change (MoM) was -0.50%, and the year over year percentage change (YoY) was -5.90%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the US. The table below shows the trend of the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: US - Zillow House Inventory Topic List
Data Source: Zillow.
US - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
US - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payments ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 1015.9758036686776 | -2.06 | -2.06 |
| Feb 2015 | 1023.5215051134749 | 0.74 | -0.79 |
| Mar 2015 | 1032.8537233581449 | 0.91 | -0.70 |
| Apr 2015 | 1029.2691188215786 | -0.35 | -1.50 |
| May 2015 | 1048.6699927747115 | 1.89 | 0.97 |
| Jun 2015 | 1065.961807490377 | 1.65 | 2.36 |
| Jul 2015 | 1076.7135120947312 | 1.01 | 3.17 |
| Aug 2015 | 1069.8364812604113 | -0.64 | 2.28 |
| Sep 2015 | 1074.4737749272522 | 0.43 | 1.99 |
| Oct 2015 | 1072.443051953001 | -0.19 | 2.60 |
| Nov 2015 | 1090.9990894938683 | 1.73 | 4.40 |
| Dec 2015 | 1098.548990741488 | 0.69 | 5.90 |
| Jan 2016 | 1091.6619741534332 | -0.63 | 7.45 |
| Feb 2016 | 1078.5940751522407 | -1.20 | 5.38 |
| Mar 2016 | 1086.040577191737 | 0.69 | 5.15 |
| Apr 2016 | 1082.1399371267976 | -0.36 | 5.14 |
| May 2016 | 1085.7476705108265 | 0.33 | 3.54 |
| Jun 2016 | 1087.753321634183 | 0.19 | 2.04 |
| Jul 2016 | 1080.0100216689427 | -0.71 | 0.31 |
| Aug 2016 | 1083.0406501551006 | 0.28 | 1.23 |
| Sep 2016 | 1089.0818078033813 | 0.56 | 1.36 |
| Oct 2016 | 1094.7186064327695 | 0.52 | 2.08 |
| Nov 2016 | 1127.528094847077 | 3.00 | 3.35 |
| Dec 2016 | 1173.67809009414 | 4.09 | 6.84 |
| Jan 2017 | 1175.48771679179 | 0.15 | 7.68 |
| Feb 2017 | 1183.2829448876294 | 0.66 | 9.71 |
| Mar 2017 | 1192.345503709167 | 0.77 | 9.79 |
| Apr 2017 | 1184.4445642506982 | -0.66 | 9.45 |
| May 2017 | 1187.0584680471577 | 0.22 | 9.33 |
| Jun 2017 | 1182.3559534151223 | -0.40 | 8.70 |
| Jul 2017 | 1193.4334692670086 | 0.94 | 10.50 |
| Aug 2017 | 1189.9111057529499 | -0.29 | 9.87 |
| Sep 2017 | 1187.7723846929543 | -0.18 | 9.06 |
| Oct 2017 | 1202.5385441673166 | 1.24 | 9.85 |
| Nov 2017 | 1211.587388114413 | 0.75 | 7.46 |
| Dec 2017 | 1221.0520532233888 | 0.78 | 4.04 |
| Jan 2018 | 1229.0814818786735 | 0.66 | 4.56 |
| Feb 2018 | 1266.1608302360335 | 3.02 | 7.00 |
| Mar 2018 | 1285.6936495971263 | 1.54 | 7.83 |
| Apr 2018 | 1295.1792883137941 | 0.74 | 9.35 |
| May 2018 | 1314.681745077308 | 1.51 | 10.75 |
| Jun 2018 | 1318.0472304637585 | 0.26 | 11.48 |
| Jul 2018 | 1319.7562976427992 | 0.13 | 10.59 |
| Aug 2018 | 1328.1890142409588 | 0.64 | 11.62 |
| Sep 2018 | 1342.7350737746265 | 1.10 | 13.05 |
| Oct 2018 | 1369.4188616913511 | 1.99 | 13.88 |
| Nov 2018 | 1377.8112193057682 | 0.61 | 13.72 |
| Dec 2018 | 1356.9870214383966 | -1.51 | 11.13 |
| Jan 2019 | 1337.4704822041685 | -1.44 | 8.82 |
| Feb 2019 | 1333.2731268599578 | -0.31 | 5.30 |
| Mar 2019 | 1328.1549439674627 | -0.38 | 3.30 |
| Apr 2019 | 1320.4200020783858 | -0.58 | 1.95 |
| May 2019 | 1316.9823521332985 | -0.26 | 0.18 |
| Jun 2019 | 1291.4086619884176 | -1.94 | -2.02 |
| Jul 2019 | 1290.9064294640166 | -0.04 | -2.19 |
| Aug 2019 | 1278.8527061266605 | -0.93 | -3.71 |
| Sep 2019 | 1281.2196820214463 | 0.19 | -4.58 |
| Oct 2019 | 1294.936911926869 | 1.07 | -5.44 |
| Nov 2019 | 1302.0015509041339 | 0.55 | -5.50 |
| Dec 2019 | 1312.0686312177866 | 0.77 | -3.31 |
| Jan 2020 | 1301.015725499047 | -0.84 | -2.73 |
| Feb 2020 | 1291.2616461419498 | -0.75 | -3.15 |
| Mar 2020 | 1297.5239238513557 | 0.49 | -2.31 |
| Apr 2020 | 1288.5290060386396 | -0.69 | -2.41 |
| May 2020 | 1284.513013801502 | -0.31 | -2.46 |
| Jun 2020 | 1279.356019654085 | -0.40 | -0.93 |
| Jul 2020 | 1266.98214328244 | -0.97 | -1.85 |
| Aug 2020 | 1265.8947994522437 | -0.09 | -1.01 |
| Sep 2020 | 1273.8895941566227 | 0.63 | -0.57 |
| Oct 2020 | 1283.353575450219 | 0.74 | -0.89 |
| Nov 2020 | 1293.2247230154662 | 0.77 | -0.67 |
| Dec 2020 | 1301.1339434710499 | 0.61 | -0.83 |
| Jan 2021 | 1302.185392007709 | 0.08 | 0.09 |
| Feb 2021 | 1327.2525966801015 | 1.93 | 2.79 |
| Mar 2021 | 1376.8618714696513 | 3.74 | 6.12 |
| Apr 2021 | 1393.4171994103715 | 1.20 | 8.14 |
| May 2021 | 1402.7272884463189 | 0.67 | 9.20 |
| Jun 2021 | 1426.9955352172976 | 1.73 | 11.54 |
| Jul 2021 | 1434.0435868743818 | 0.49 | 13.19 |
| Aug 2021 | 1445.5999215019895 | 0.81 | 14.20 |
| Sep 2021 | 1462.2264531942558 | 1.15 | 14.78 |
| Oct 2021 | 1493.1494948767686 | 2.12 | 16.35 |
| Nov 2021 | 1505.485660442346 | 0.83 | 16.41 |
| Dec 2021 | 1524.6169519049508 | 1.27 | 17.18 |
| Jan 2022 | 1577.7681572359004 | 3.49 | 21.16 |
| Feb 2022 | 1648.074873083308 | 4.46 | 24.17 |
| Mar 2022 | 1739.2176720485904 | 5.53 | 26.32 |
| Apr 2022 | 1898.1162355285842 | 9.14 | 36.22 |
| May 2022 | 1969.1069051833097 | 3.74 | 40.38 |
| Jun 2022 | 2044.4954957942268 | 3.83 | 43.27 |
| Jul 2022 | 2040.5198064682024 | -0.19 | 42.29 |
| Aug 2022 | 2012.0325489116349 | -1.40 | 39.18 |
| Sep 2022 | 2160.5609268456624 | 7.38 | 47.76 |
| Oct 2022 | 2296.1903365055914 | 6.28 | 53.78 |
| Nov 2022 | 2274.4734089779645 | -0.95 | 51.08 |
| Dec 2022 | 2191.831878345967 | -3.63 | 43.76 |
| Jan 2023 | 2177.2958502480533 | -0.66 | 38.00 |
| Feb 2023 | 2171.187774152366 | -0.28 | 31.74 |
| Mar 2023 | 2222.99274952175 | 2.39 | 27.82 |
| Apr 2023 | 2195.061684014853 | -1.26 | 15.64 |
| May 2023 | 2221.286712304948 | 1.20 | 12.81 |
| Jun 2023 | 2286.7922877015185 | 2.95 | 11.85 |
| Jul 2023 | 2322.431204822926 | 1.56 | 13.82 |
| Aug 2023 | 2377.2540516331096 | 2.36 | 18.15 |
| Sep 2023 | 2410.7750840240915 | 1.41 | 11.58 |
| Oct 2023 | 2497.8623261478137 | 3.61 | 8.78 |
| Nov 2023 | 2470.171017449342 | -1.11 | 8.60 |
| Dec 2023 | 2357.2860582140956 | -4.57 | 7.55 |
| Jan 2024 | 2330.6751329044464 | -1.13 | 7.04 |
| Feb 2024 | 2361.611058092114 | 1.33 | 8.77 |
| Mar 2024 | 2380.7949429952714 | 0.81 | 7.10 |
| Apr 2024 | 2427.950563794254 | 1.98 | 10.61 |
| May 2024 | 2450.5546452102863 | 0.93 | 10.32 |
| Jun 2024 | 2427.2326867476168 | -0.95 | 6.14 |
| Jul 2024 | 2415.3607307433304 | -0.49 | 4.00 |
| Aug 2024 | 2351.6908433093085 | -2.64 | -1.07 |
| Sep 2024 | 2303.0811544561907 | -2.07 | -4.47 |
| Oct 2024 | 2352.5982785062943 | 2.15 | -5.82 |
| Nov 2024 | 2426.545019734774 | 3.14 | -1.77 |
| Dec 2024 | 2414.383559916848 | -0.50 | 2.42 |
| Jan 2025 | 2472.49676183066 | 2.41 | 6.09 |
| Feb 2025 | 2453.6684315763714 | -0.76 | 3.90 |
| Mar 2025 | 2416.6213595398895 | -1.51 | 1.51 |
| Apr 2025 | 2427.728622368994 | 0.46 | -0.01 |
| May 2025 | 2440.9755603930607 | 0.55 | -0.39 |
| Jun 2025 | 2437.5331181186366 | -0.14 | 0.42 |
| Jul 2025 | 2417.0840524896466 | -0.84 | 0.07 |
| Aug 2025 | 2391.1545229659223 | -1.07 | 1.68 |
| Sep 2025 | 2356.8073774418717 | -1.44 | 2.33 |
| Oct 2025 | 2341.2863531519442 | -0.66 | -0.48 |
| Nov 2025 | 2342.3396227726403 | 0.05 | -3.47 |
| Dec 2025 | 2338.2443372393013 | -0.17 | -3.15 |
| Jan 2026 | 2326.519464893301 | -0.50 | -5.90 |
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