Charlotte, NC (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 Charlotte, NC Metro in January 2026 was $2,342.011. The month over month percentage change (MoM) was -0.69%, and the year over year percentage change (YoY) was -7.14%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Charlotte, NC metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Charlotte, NC metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Charlotte, NC (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2012 | 678.0353746371437 | NaN | NaN |
| Feb 2012 | 676.5367942798134 | -0.22 | NaN |
| Mar 2012 | 681.3810108563804 | 0.72 | NaN |
| Apr 2012 | 680.052751957392 | -0.19 | NaN |
| May 2012 | 674.3929186809845 | -0.83 | NaN |
| Jun 2012 | 667.8853692304062 | -0.96 | NaN |
| Jul 2012 | 661.2634374301069 | -0.99 | NaN |
| Aug 2012 | 666.4519984455334 | 0.79 | NaN |
| Sep 2012 | 661.499771117829 | -0.74 | NaN |
| Oct 2012 | 656.1381626547308 | -0.81 | NaN |
| Nov 2012 | 656.4343263012189 | 0.05 | NaN |
| Dec 2012 | 658.0850958974593 | 0.25 | NaN |
| Jan 2013 | 737.548740143545 | 12.08 | 8.78 |
| Feb 2013 | 747.8567087223355 | 1.40 | 10.54 |
| Mar 2013 | 753.0182330615414 | 0.69 | 10.51 |
| Apr 2013 | 748.7578714668834 | -0.57 | 10.10 |
| May 2013 | 760.2340902263285 | 1.53 | 12.73 |
| Jun 2013 | 804.0489715388912 | 5.76 | 20.39 |
| Jul 2013 | 832.7153720806359 | 3.57 | 25.93 |
| Aug 2013 | 845.4363685274922 | 1.53 | 26.86 |
| Sep 2013 | 853.3809714333382 | 0.94 | 29.01 |
| Oct 2013 | 836.6099241317211 | -1.96 | 27.51 |
| Nov 2013 | 846.0420939607986 | 1.13 | 28.88 |
| Dec 2013 | 865.9410067106865 | 2.35 | 31.59 |
| Jan 2014 | 935.2306158084555 | 8.00 | 26.80 |
| Feb 2014 | 930.7682005337715 | -0.48 | 24.46 |
| Mar 2014 | 938.6804056548933 | 0.85 | 24.66 |
| Apr 2014 | 942.5493743139616 | 0.41 | 25.88 |
| May 2014 | 935.3612452676444 | -0.76 | 23.04 |
| Jun 2014 | 936.6557586174495 | 0.14 | 16.49 |
| Jul 2014 | 936.9037687842136 | 0.03 | 12.51 |
| Aug 2014 | 937.3205514944952 | 0.04 | 10.87 |
| Sep 2014 | 942.587845155407 | 0.56 | 10.45 |
| Oct 2014 | 934.3657718982744 | -0.87 | 11.69 |
| Nov 2014 | 934.20210130484 | -0.02 | 10.42 |
| Dec 2014 | 927.6453826641009 | -0.70 | 7.13 |
| Jan 2015 | 905.0947908494145 | -2.43 | -3.22 |
| Feb 2015 | 912.7675396416068 | 0.85 | -1.93 |
| Mar 2015 | 921.7515751499686 | 0.98 | -1.80 |
| Apr 2015 | 917.6622936687495 | -0.44 | -2.64 |
| May 2015 | 934.662824933753 | 1.85 | -0.07 |
| Jun 2015 | 950.0089147122036 | 1.64 | 1.43 |
| Jul 2015 | 960.4037220794146 | 1.09 | 2.51 |
| Aug 2015 | 955.2292783716439 | -0.54 | 1.91 |
| Sep 2015 | 960.7638760626035 | 0.58 | 1.93 |
| Oct 2015 | 960.7700780565758 | 0.00 | 2.83 |
| Nov 2015 | 980.5417351934907 | 2.06 | 4.96 |
| Dec 2015 | 990.477919135675 | 1.01 | 6.77 |
| Jan 2016 | 978.6407265143466 | -1.19 | 8.13 |
| Feb 2016 | 968.798821367122 | -1.01 | 6.14 |
| Mar 2016 | 977.9210034993406 | 0.94 | 6.09 |
| Apr 2016 | 976.1397226735653 | -0.18 | 6.37 |
| May 2016 | 980.7944003624048 | 0.48 | 4.94 |
| Jun 2016 | 983.9447330510359 | 0.32 | 3.57 |
| Jul 2016 | 978.0735692592511 | -0.60 | 1.84 |
| Aug 2016 | 982.8425450053714 | 0.49 | 2.89 |
| Sep 2016 | 990.8291844011937 | 0.81 | 3.13 |
| Oct 2016 | 998.4931972857207 | 0.77 | 3.93 |
| Nov 2016 | 1031.648117850435 | 3.32 | 5.21 |
| Dec 2016 | 1077.274088472381 | 4.42 | 8.76 |
| Jan 2017 | 1071.1100725876731 | -0.57 | 9.45 |
| Feb 2017 | 1078.773828741355 | 0.72 | 11.35 |
| Mar 2017 | 1087.3812781720446 | 0.80 | 11.19 |
| Apr 2017 | 1080.2444557912636 | -0.66 | 10.67 |
| May 2017 | 1083.6024719534862 | 0.31 | 10.48 |
| Jun 2017 | 1080.0934356047899 | -0.32 | 9.77 |
| Jul 2017 | 1091.8301537543605 | 1.09 | 11.63 |
| Aug 2017 | 1090.3204114599587 | -0.14 | 10.94 |
| Sep 2017 | 1090.0757808277604 | -0.02 | 10.02 |
| Oct 2017 | 1106.1305735212989 | 1.47 | 10.78 |
| Nov 2017 | 1117.2243246299952 | 1.00 | 8.30 |
| Dec 2017 | 1128.797718346087 | 1.04 | 4.78 |
| Jan 2018 | 1141.6556869629585 | 1.14 | 6.59 |
| Feb 2018 | 1179.6843492621206 | 3.33 | 9.35 |
| Mar 2018 | 1200.0414757036176 | 1.73 | 10.36 |
| Apr 2018 | 1209.5542034668624 | 0.79 | 11.97 |
| May 2018 | 1228.1175693643338 | 1.54 | 13.34 |
| Jun 2018 | 1231.5693138983288 | 0.28 | 14.02 |
| Jul 2018 | 1233.2748677463178 | 0.14 | 12.96 |
| Aug 2018 | 1242.0385118341399 | 0.71 | 13.92 |
| Sep 2018 | 1257.2912916898247 | 1.23 | 15.34 |
| Oct 2018 | 1284.9227677530403 | 2.20 | 16.16 |
| Nov 2018 | 1294.9146366915309 | 0.78 | 15.91 |
| Dec 2018 | 1275.7297147766299 | -1.48 | 13.02 |
| Jan 2019 | 1273.452600942511 | -0.18 | 11.54 |
| Feb 2019 | 1269.5694415639086 | -0.30 | 7.62 |
| Mar 2019 | 1264.3737376011577 | -0.41 | 5.36 |
| Apr 2019 | 1256.6304471700143 | -0.61 | 3.89 |
| May 2019 | 1254.3903181335606 | -0.18 | 2.14 |
| Jun 2019 | 1230.351866908808 | -1.92 | -0.10 |
| Jul 2019 | 1230.85439958804 | 0.04 | -0.20 |
| Aug 2019 | 1219.626977816612 | -0.91 | -1.80 |
| Sep 2019 | 1222.7060431818209 | 0.25 | -2.75 |
| Oct 2019 | 1236.729001571873 | 1.15 | -3.75 |
| Nov 2019 | 1244.024264215511 | 0.59 | -3.93 |
| Dec 2019 | 1254.3252840550513 | 0.83 | -1.68 |
| Jan 2020 | 1236.2788542153905 | -1.44 | -2.92 |
| Feb 2020 | 1226.74585982268 | -0.77 | -3.37 |
| Mar 2020 | 1233.4564407876474 | 0.55 | -2.44 |
| Apr 2020 | 1225.452777501975 | -0.65 | -2.48 |
| May 2020 | 1222.5757976148238 | -0.23 | -2.54 |
| Jun 2020 | 1219.0644726171638 | -0.29 | -0.92 |
| Jul 2020 | 1209.1282420113896 | -0.81 | -1.76 |
| Aug 2020 | 1210.7745448047685 | 0.14 | -0.73 |
| Sep 2020 | 1220.9697512581708 | 0.84 | -0.14 |
| Oct 2020 | 1232.6692217104774 | 0.96 | -0.33 |
| Nov 2020 | 1244.6089880437567 | 0.97 | 0.05 |
| Dec 2020 | 1255.0809555748797 | 0.84 | 0.06 |
| Jan 2021 | 1249.9945470875787 | -0.40 | 1.11 |
| Feb 2021 | 1277.9187586670898 | 2.23 | 4.17 |
| Mar 2021 | 1330.8815781460314 | 4.14 | 7.90 |
| Apr 2021 | 1350.4464277160967 | 1.47 | 10.20 |
| May 2021 | 1362.6488160778767 | 0.90 | 11.46 |
| Jun 2021 | 1390.9561398207193 | 2.08 | 14.10 |
| Jul 2021 | 1403.5916530225143 | 0.91 | 16.08 |
| Aug 2021 | 1423.1828267258604 | 1.40 | 17.54 |
| Sep 2021 | 1450.2778610923622 | 1.90 | 18.78 |
| Oct 2021 | 1492.3202035253316 | 2.90 | 21.06 |
| Nov 2021 | 1514.87384762456 | 1.51 | 21.72 |
| Dec 2021 | 1543.1523257318154 | 1.87 | 22.95 |
| Jan 2022 | 1589.6865338519779 | 3.02 | 27.18 |
| Feb 2022 | 1669.2618429451038 | 5.01 | 30.62 |
| Mar 2022 | 1770.5538975045652 | 6.07 | 33.04 |
| Apr 2022 | 1946.3411999941532 | 9.93 | 44.13 |
| May 2022 | 2029.6041579831685 | 4.28 | 48.95 |
| Jun 2022 | 2119.1412868995158 | 4.41 | 52.35 |
| Jul 2022 | 2121.666885960666 | 0.12 | 51.16 |
| Aug 2022 | 2094.3888656009262 | -1.29 | 47.16 |
| Sep 2022 | 2257.5755135577538 | 7.79 | 55.67 |
| Oct 2022 | 2404.3734562988857 | 6.50 | 61.12 |
| Nov 2022 | 2377.2477504780572 | -1.13 | 56.93 |
| Dec 2022 | 2281.5861035805146 | -4.02 | 47.85 |
| Jan 2023 | 2278.994231786533 | -0.11 | 43.36 |
| Feb 2023 | 2264.1938685640903 | -0.65 | 35.64 |
| Mar 2023 | 2312.6892456096807 | 2.14 | 30.62 |
| Apr 2023 | 2275.3622581063883 | -1.61 | 16.91 |
| May 2023 | 2296.92775324347 | 0.95 | 13.17 |
| Jun 2023 | 2363.408874157749 | 2.89 | 11.53 |
| Jul 2023 | 2401.2131146992056 | 1.60 | 13.18 |
| Aug 2023 | 2462.7075417903643 | 2.56 | 17.59 |
| Sep 2023 | 2502.2359158374647 | 1.61 | 10.84 |
| Oct 2023 | 2600.0749231059713 | 3.91 | 8.14 |
| Nov 2023 | 2573.7286773595 | -1.01 | 8.27 |
| Dec 2023 | 2453.0687383870395 | -4.69 | 7.52 |
| Jan 2024 | 2420.407994770978 | -1.33 | 6.21 |
| Feb 2024 | 2454.190579698903 | 1.40 | 8.39 |
| Mar 2024 | 2476.4983023720483 | 0.91 | 7.08 |
| Apr 2024 | 2527.273843757912 | 2.05 | 11.07 |
| May 2024 | 2551.8323658671566 | 0.97 | 11.10 |
| Jun 2024 | 2524.766987152133 | -1.06 | 6.83 |
| Jul 2024 | 2509.5759934241823 | -0.60 | 4.51 |
| Aug 2024 | 2436.2624353925557 | -2.92 | -1.07 |
| Sep 2024 | 2377.875328738435 | -2.40 | -4.97 |
| Oct 2024 | 2427.4720979558074 | 2.09 | -6.64 |
| Nov 2024 | 2504.431786934332 | 3.17 | -2.69 |
| Dec 2024 | 2487.8706401138047 | -0.66 | 1.42 |
| Jan 2025 | 2522.129350261726 | 1.38 | 4.20 |
| Feb 2025 | 2499.826921391748 | -0.88 | 1.86 |
| Mar 2025 | 2459.767688356536 | -1.60 | -0.68 |
| Apr 2025 | 2470.4955855975422 | 0.44 | -2.25 |
| May 2025 | 2483.963167054784 | 0.55 | -2.66 |
| Jun 2025 | 2478.601994092141 | -0.22 | -1.83 |
| Jul 2025 | 2455.125853825794 | -0.95 | -2.17 |
| Aug 2025 | 2426.235919542434 | -1.18 | -0.41 |
| Sep 2025 | 2387.07363963702 | -1.61 | 0.39 |
| Oct 2025 | 2369.0537147205 | -0.75 | -2.41 |
| Nov 2025 | 2367.244564300664 | -0.08 | -5.48 |
| Dec 2025 | 2358.1786308017718 | -0.38 | -5.21 |
| Jan 2026 | 2342.011235584627 | -0.69 | -7.14 |
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