Buffalo, 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 Buffalo, NY Metro in January 2026 was $1,643.836. The month over month percentage change (MoM) was -0.50%, and the year over year percentage change (YoY) was -3.00%.

The chart below shows the trend of the total monthly payments with 20% down for all homes in the Buffalo, 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 Buffalo, 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.
Buffalo, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Buffalo, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 169
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 792.6378059293204 NaN NaN
Feb 2012 791.6451977947443 -0.12 NaN
Mar 2012 798.1271983849625 0.82 NaN
Apr 2012 798.9996402420549 0.11 NaN
May 2012 795.557270175636 -0.43 NaN
Jun 2012 790.0327753585034 -0.69 NaN
Jul 2012 784.1599908409371 -0.74 NaN
Aug 2012 787.0059188897094 0.36 NaN
Sep 2012 781.3956450008234 -0.71 NaN
Oct 2012 775.8128312381875 -0.71 NaN
Nov 2012 774.2557341261127 -0.20 NaN
Dec 2012 774.8606501176687 0.08 NaN
Jan 2013 780.0632023900479 0.67 -1.59
Feb 2013 789.7665028334222 1.24 -0.24
Mar 2013 795.954294207211 0.78 -0.27
Apr 2013 794.40493582397 -0.19 -0.57
May 2013 803.904731146192 1.20 1.05
Jun 2013 836.9630936326844 4.11 5.94
Jul 2013 856.4996525678193 2.33 9.23
Aug 2013 863.1909788564816 0.78 9.68
Sep 2013 866.2100834173455 0.35 10.85
Oct 2013 850.9549543267347 -1.76 9.69
Nov 2013 857.3254736412055 0.75 10.73
Dec 2013 872.4189916655869 1.76 12.59
Jan 2014 873.3641645826508 0.11 11.96
Feb 2014 867.9121971276616 -0.62 9.90
Mar 2014 872.6969854231285 0.55 9.64
Apr 2014 876.6748572322966 0.46 10.36
May 2014 872.8553550550195 -0.44 8.58
Jun 2014 875.1493808148518 0.26 4.56
Jul 2014 875.9386308764587 0.09 2.27
Aug 2014 876.8771776714561 0.11 1.59
Sep 2014 880.9656096855679 0.47 1.70
Oct 2014 872.5201002869688 -0.96 2.53
Nov 2014 869.222313723832 -0.38 1.39
Dec 2014 861.6647522272458 -0.87 -1.23
Jan 2015 851.7036563816193 -1.16 -2.48
Feb 2015 855.4866929063041 0.44 -1.43
Mar 2015 859.7674877612319 0.50 -1.48
Apr 2015 856.8858274156523 -0.33 -2.26
May 2015 869.8264673878393 1.51 -0.35
Jun 2015 882.4098608462193 1.45 0.83
Jul 2015 890.7513869315003 0.95 1.69
Aug 2015 888.4171696445219 -0.26 1.32
Sep 2015 893.2593055212037 0.55 1.40
Oct 2015 892.7323595238197 -0.06 2.32
Nov 2015 904.5107371659496 1.32 4.06
Dec 2015 908.7503129927959 0.47 5.46
Jan 2016 748.4691981778315 -17.64 -12.12
Feb 2016 738.1645821744125 -1.38 -13.71
Mar 2016 741.7932540217934 0.49 -13.72
Apr 2016 738.2346006372799 -0.48 -13.85
May 2016 739.4566193296849 0.17 -14.99
Jun 2016 740.2049268802864 0.10 -16.12
Jul 2016 734.952045462083 -0.71 -17.49
Aug 2016 738.4657332484398 0.48 -16.88
Sep 2016 744.1693081434487 0.77 -16.69
Oct 2016 749.7048981615974 0.74 -16.02
Nov 2016 773.1144595111481 3.12 -14.53
Dec 2016 806.0014997495825 4.25 -11.31
Jan 2017 956.8656451294479 18.72 27.84
Feb 2017 961.8165373136599 0.52 30.30
Mar 2017 965.7747305611501 0.41 30.20
Apr 2017 959.2038509432791 -0.68 29.93
May 2017 961.9076583704256 0.28 30.08
Jun 2017 961.1642433091334 -0.08 29.85
Jul 2017 971.4526345657505 1.07 32.18
Aug 2017 971.3049801574912 -0.01 31.53
Sep 2017 971.5828947679001 0.03 30.56
Oct 2017 983.0179917290548 1.18 31.12
Nov 2017 990.8220140213833 0.79 28.16
Dec 2017 999.1295519928203 0.84 23.96
Jan 2018 1011.6489305658733 1.25 5.73
Feb 2018 1037.7456712797534 2.58 7.89
Mar 2018 1052.2384566263427 1.40 8.95
Apr 2018 1059.3412093479083 0.68 10.44
May 2018 1074.6350992170785 1.44 11.72
Jun 2018 1079.652346544588 0.47 12.33
Jul 2018 1084.0879127378646 0.41 11.60
Aug 2018 1093.2824686965691 0.85 12.56
Sep 2018 1105.2154579475282 1.09 13.75
Oct 2018 1123.4628075670853 1.65 14.29
Nov 2018 1127.41912267884 0.35 13.79
Dec 2018 1109.699038915009 -1.57 11.07
Jan 2019 1099.2760097184969 -0.94 8.66
Feb 2019 1096.4908164944768 -0.25 5.66
Mar 2019 1094.9895703951163 -0.14 4.06
Apr 2019 1091.0589995986074 -0.36 2.99
May 2019 1090.857625273119 -0.02 1.51
Jun 2019 1076.0231267614658 -1.36 -0.34
Jul 2019 1077.9274256707893 0.18 -0.57
Aug 2019 1070.6641231189294 -0.67 -2.07
Sep 2019 1073.199963243303 0.24 -2.90
Oct 2019 1083.7480359073306 0.98 -3.53
Nov 2019 1088.827931777741 0.47 -3.42
Dec 2019 1094.399627976179 0.51 -1.38
Jan 2020 1090.6183239676323 -0.35 -0.79
Feb 2020 1082.4918086495475 -0.74 -1.28
Mar 2020 1086.1907442653173 0.34 -0.80
Apr 2020 1080.2112319254388 -0.55 -0.99
May 2020 1079.694479817224 -0.05 -1.02
Jun 2020 1080.0953860885288 0.04 0.38
Jul 2020 1076.3437162320924 -0.35 -0.15
Aug 2020 1079.3543539998595 0.28 0.81
Sep 2020 1089.3331958236515 0.93 1.50
Oct 2020 1101.070180652938 1.08 1.60
Nov 2020 1114.4178907301082 1.21 2.35
Dec 2020 1124.10230986428 0.87 2.71
Jan 2021 1141.6263651472148 1.56 4.68
Feb 2021 1160.9685464560866 1.69 7.25
Mar 2021 1198.1525581494814 3.20 10.31
Apr 2021 1213.5449460426453 1.29 12.34
May 2021 1224.924556988889 0.94 13.45
Jun 2021 1249.1117492935352 1.98 15.65
Jul 2021 1258.7801608269137 0.77 16.95
Aug 2021 1267.1859828453853 0.67 17.40
Sep 2021 1271.906215237479 0.37 16.76
Oct 2021 1284.7932427896017 1.01 16.69
Nov 2021 1284.8793723582721 0.01 15.30
Dec 2021 1290.6713074238928 0.45 14.82
Jan 2022 1334.253727252404 3.38 16.87
Feb 2022 1383.052986609499 3.66 19.13
Mar 2022 1450.1666050880588 4.85 21.03
Apr 2022 1563.6135829524455 7.82 28.85
May 2022 1618.4984141904747 3.51 32.13
Jun 2022 1679.838795539045 3.79 34.48
Jul 2022 1686.7803336448683 0.41 34.00
Aug 2022 1674.0700829284979 -0.75 32.11
Sep 2022 1776.364488234426 6.11 39.66
Oct 2022 1866.3563673886335 5.07 45.27
Nov 2022 1849.6829035553976 -0.89 43.96
Dec 2022 1792.4596556818387 -3.09 38.88
Jan 2023 1777.1063603384766 -0.86 33.19
Feb 2023 1771.6776711122877 -0.30 28.10
Mar 2023 1808.4176672158599 2.07 24.70
Apr 2023 1794.6024622532686 -0.76 14.77
May 2023 1822.1970651397874 1.54 12.59
Jun 2023 1877.6107971468414 3.04 11.77
Jul 2023 1911.237010429254 1.79 13.31
Aug 2023 1956.558102059499 2.37 16.87
Sep 2023 1983.418444314499 1.37 11.66
Oct 2023 2047.671105556281 3.24 9.72
Nov 2023 2030.0112589301184 -0.86 9.75
Dec 2023 1953.288529755533 -3.78 8.97
Jan 2024 1558.3564985864086 -20.22 -12.31
Feb 2024 1581.0747662702483 1.46 -10.76
Mar 2024 1596.0824532810225 0.95 -11.74
Apr 2024 1633.4851211953833 2.34 -8.98
May 2024 1658.179040062575 1.51 -9.00
Jun 2024 1651.2870020722482 -0.42 -12.05
Jul 2024 1649.9018825272244 -0.08 -13.67
Aug 2024 1608.2811306704439 -2.52 -17.80
Sep 2024 1575.3121061614968 -2.05 -20.58
Oct 2024 1613.0903119139293 2.40 -21.22
Nov 2024 1666.8773992231568 3.33 -17.89
Dec 2024 1658.4978156565603 -0.50 -15.09
Jan 2025 1694.6508767878383 2.18 8.75
Feb 2025 1682.4936098502405 -0.72 6.42
Mar 2025 1656.4918970525187 -1.54 3.79
Apr 2025 1668.9148225082172 0.75 2.17
May 2025 1685.0362883618855 0.97 1.62
Jun 2025 1691.9849799015537 0.41 2.47
Jul 2025 1688.0062217438508 -0.23 2.31
Aug 2025 1678.5804056333882 -0.56 4.37
Sep 2025 1658.851734468482 -1.17 5.30
Oct 2025 1651.0624357106321 -0.47 2.35
Nov 2025 1653.55187439777 0.15 -0.80
Dec 2025 1652.1238235695982 -0.09 -0.38
Jan 2026 1643.8361194509969 -0.50 -3.00