Albany, NY (Metro) - 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 Albany, NY Metro in January 2026 was $2,761.239. The month over month percentage change (MoM) was -0.19%, and the year over year percentage change (YoY) was -1.59%.

The chart below shows the trend of the total monthly payments with 20% down for all homes in the Albany, NY metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Albany, NY 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.

Data Source: Zillow.
Albany, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Albany, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 169
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 1293.7575479121197 NaN NaN
Feb 2012 1293.6823998611837 -0.01 NaN
Mar 2012 1302.6919773967181 0.70 NaN
Apr 2012 1302.4458561269137 -0.02 NaN
May 2012 1295.5883944423113 -0.53 NaN
Jun 2012 1285.0489951072723 -0.81 NaN
Jul 2012 1271.753528124534 -1.03 NaN
Aug 2012 1270.8731540263877 -0.07 NaN
Sep 2012 1258.3327723244452 -0.99 NaN
Oct 2012 1246.5750858208808 -0.93 NaN
Nov 2012 1245.7274812772525 -0.07 NaN
Dec 2012 1247.1510786868034 0.11 NaN
Jan 2013 1257.134973228894 0.80 -2.83
Feb 2013 1271.9618938040971 1.18 -1.68
Mar 2013 1278.8068711859623 0.54 -1.83
Apr 2013 1272.5167592244725 -0.49 -2.30
May 2013 1284.8232719685557 0.97 -0.83
Jun 2013 1336.5333202733482 4.03 4.01
Jul 2013 1365.4588976795205 2.16 7.37
Aug 2013 1371.484620140761 0.44 7.92
Sep 2013 1371.989668335126 0.04 9.03
Oct 2013 1341.789659958742 -2.20 7.64
Nov 2013 1346.4541477648122 0.35 8.09
Dec 2013 1365.2997319855513 1.40 9.47
Jan 2014 1364.7966301214822 -0.04 8.56
Feb 2014 1355.825997856181 -0.66 6.59
Mar 2014 1363.1604139942392 0.54 6.60
Apr 2014 1366.0286825641253 0.21 7.35
May 2014 1356.9020702628234 -0.67 5.61
Jun 2014 1355.9982388810756 -0.07 1.46
Jul 2014 1353.0612290186841 -0.22 -0.91
Aug 2014 1348.3421944591166 -0.35 -1.69
Sep 2014 1349.9066262708268 0.12 -1.61
Oct 2014 1334.3520317710622 -1.15 -0.55
Nov 2014 1327.9586296123443 -0.48 -1.37
Dec 2014 1314.8989864999185 -0.98 -3.69
Jan 2015 1179.975149262095 -10.26 -13.54
Feb 2015 1186.330673502159 0.54 -12.50
Mar 2015 1194.2493343658764 0.67 -12.39
Apr 2015 1187.6891161109513 -0.55 -13.05
May 2015 1205.1740169199138 1.47 -11.18
Jun 2015 1219.8409272746208 1.22 -10.04
Jul 2015 1228.4020312960706 0.70 -9.21
Aug 2015 1218.7552266236269 -0.78 -9.61
Sep 2015 1221.1041345928961 0.19 -9.54
Oct 2015 1214.6756956211982 -0.53 -8.97
Nov 2015 1229.2904592552945 1.20 -7.43
Dec 2015 1233.1920555625866 0.32 -6.21
Jan 2016 1465.8839061898611 18.87 24.23
Feb 2016 1451.3006393272362 -0.99 22.34
Mar 2016 1457.0192975660848 0.39 22.00
Apr 2016 1451.4722766813172 -0.38 22.21
May 2016 1452.960654609377 0.10 20.56
Jun 2016 1453.60367787921 0.04 19.16
Jul 2016 1444.0351776651735 -0.66 17.55
Aug 2016 1446.0846184553452 0.14 18.65
Sep 2016 1450.7318778584172 0.32 18.81
Oct 2016 1454.7420150788112 0.28 19.76
Nov 2016 1486.6340633257903 2.19 20.93
Dec 2016 1531.6568364859595 3.03 24.20
Jan 2017 1459.599505916612 -4.70 -0.43
Feb 2017 1462.9048319472042 0.23 0.80
Mar 2017 1467.0478708156309 0.28 0.69
Apr 2017 1456.6273730355997 -0.71 0.36
May 2017 1459.1595041107482 0.17 0.43
Jun 2017 1456.2684097098486 -0.20 0.18
Jul 2017 1468.6772795620495 0.85 1.71
Aug 2017 1465.5351235635494 -0.21 1.35
Sep 2017 1463.2770237849563 -0.15 0.87
Oct 2017 1477.5550874117232 0.98 1.57
Nov 2017 1486.214868569452 0.59 -0.03
Dec 2017 1494.4381449979037 0.55 -2.43
Jan 2018 1418.343481469533 -5.09 -2.83
Feb 2018 1453.030329315803 2.45 -0.67
Mar 2018 1470.6925812702846 1.22 0.25
Apr 2018 1477.7919215673464 0.48 1.45
May 2018 1496.848625290465 1.29 2.58
Jun 2018 1501.4040231055624 0.30 3.10
Jul 2018 1504.7469950365878 0.22 2.46
Aug 2018 1514.4121529618797 0.64 3.34
Sep 2018 1528.839681821545 0.95 4.48
Oct 2018 1552.8237176445302 1.57 5.09
Nov 2018 1558.2989418602606 0.35 4.85
Dec 2018 1534.1880779636633 -1.55 2.66
Jan 2019 1518.8623234014192 -1.00 7.09
Feb 2019 1513.8605136731303 -0.33 4.19
Mar 2019 1510.0177444196602 -0.25 2.67
Apr 2019 1503.235922949546 -0.45 1.72
May 2019 1499.8227549315816 -0.23 0.20
Jun 2019 1475.8761640638436 -1.60 -1.70
Jul 2019 1476.5959394759786 0.05 -1.87
Aug 2019 1466.2300308116896 -0.70 -3.18
Sep 2019 1468.6612949668734 0.17 -3.94
Oct 2019 1481.5095807271664 0.88 -4.59
Nov 2019 1488.6173816355279 0.48 -4.47
Dec 2019 1497.7976846233212 0.62 -2.37
Jan 2020 1494.5921883447813 -0.21 -1.60
Feb 2020 1483.4458067198784 -0.75 -2.01
Mar 2020 1486.9537436514022 0.24 -1.53
Apr 2020 1476.4290150349843 -0.71 -1.78
May 2020 1472.0841550789464 -0.29 -1.85
Jun 2020 1469.7662879994077 -0.16 -0.41
Jul 2020 1460.2520699141037 -0.65 -1.11
Aug 2020 1459.4419916453496 -0.05 -0.46
Sep 2020 1466.6491159825955 0.49 -0.14
Oct 2020 1475.1219090169284 0.58 -0.43
Nov 2020 1484.665803173892 0.65 -0.26
Dec 2020 1491.54178497455 0.46 -0.42
Jan 2021 1595.5850786286524 6.98 6.76
Feb 2021 1618.9347186848024 1.46 9.13
Mar 2021 1665.5820474898833 2.88 12.01
Apr 2021 1679.6677133183368 0.85 13.77
May 2021 1687.9975149869733 0.50 14.67
Jun 2021 1709.3689672714781 1.27 16.30
Jul 2021 1716.1187251408332 0.40 17.52
Aug 2021 1725.4581743637118 0.54 18.23
Sep 2021 1738.3250087955744 0.75 18.52
Oct 2021 1763.3440728263952 1.44 19.54
Nov 2021 1771.4553936946727 0.46 19.32
Dec 2021 1783.0651750878587 0.66 19.55
Jan 2022 1837.8282313516638 3.07 15.18
Feb 2022 1892.3021173128059 2.96 16.89
Mar 2022 1966.404486421545 3.92 18.06
Apr 2022 2101.99139391476 6.90 25.14
May 2022 2161.9959541679464 2.86 28.08
Jun 2022 2231.332589833338 3.21 30.54
Jul 2022 2234.7230338955555 0.15 30.22
Aug 2022 2220.8874839176897 -0.62 28.71
Sep 2022 2360.4691420007016 6.29 35.79
Oct 2022 2488.137504677465 5.41 41.10
Nov 2022 2474.2588189586295 -0.56 39.67
Dec 2022 2405.952126930383 -2.76 34.93
Jan 2023 2389.7190859306047 -0.67 30.03
Feb 2023 2391.3561318997276 0.07 26.37
Mar 2023 2444.5754465386312 2.23 24.32
Apr 2023 2426.567866022969 -0.74 15.44
May 2023 2454.4026641242017 1.15 13.53
Jun 2023 2520.440778515114 2.69 12.96
Jul 2023 2561.7524399019994 1.64 14.63
Aug 2023 2617.4734662559385 2.17 17.86
Sep 2023 2651.4739266471843 1.30 12.33
Oct 2023 2732.190326035051 3.04 9.81
Nov 2023 2709.284400737755 -0.84 9.50
Dec 2023 2611.6850307118148 -3.60 8.55
Jan 2024 2591.5834936666515 -0.77 8.45
Feb 2024 2627.582885395641 1.39 9.88
Mar 2024 2652.7710918243256 0.96 8.52
Apr 2024 2706.4316938910647 2.02 11.53
May 2024 2739.5933139873605 1.23 11.62
Jun 2024 2730.356073962895 -0.34 8.33
Jul 2024 2730.7103214447343 0.01 6.60
Aug 2024 2680.3089517688213 -1.85 2.40
Sep 2024 2639.813665047976 -1.51 -0.44
Oct 2024 2690.6291493222584 1.93 -1.52
Nov 2024 2763.1110394953303 2.69 1.99
Dec 2024 2755.576076635791 -0.27 5.51
Jan 2025 2805.93416311102 1.83 8.27
Feb 2025 2793.4817889113583 -0.44 6.31
Mar 2025 2763.48075427108 -1.07 4.17
Apr 2025 2782.939333847604 0.70 2.83
May 2025 2807.4565969671175 0.88 2.48
Jun 2025 2817.0555049393797 0.34 3.18
Jul 2025 2811.2451516599167 -0.21 2.95
Aug 2025 2797.496628286409 -0.49 4.37
Sep 2025 2771.390374144039 -0.93 4.98
Oct 2025 2762.028876483625 -0.34 2.65
Nov 2025 2766.880472288526 0.18 0.14
Dec 2025 2766.5157873252915 -0.01 0.40
Jan 2026 2761.2390033503334 -0.19 -1.59