Charlottesville, VA (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 Charlottesville, VA Metro in January 2026 was $2,860.014. The month over month percentage change (MoM) was -0.56%, and the year over year percentage change (YoY) was -5.76%.

The chart below shows the trend of the total monthly payments with 20% down for all homes in the Charlottesville, VA 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 Charlottesville, VA 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.
Charlottesville, VA (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlottesville, VA (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 169
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 1306.28432072825 NaN NaN
Feb 2012 1299.7713750045057 -0.50 NaN
Mar 2012 1301.6346837726946 0.14 NaN
Apr 2012 1294.882434813707 -0.52 NaN
May 2012 1284.9175896826168 -0.77 NaN
Jun 2012 1274.9297077163121 -0.78 NaN
Jul 2012 1265.4030536389791 -0.75 NaN
Aug 2012 1274.6351725021077 0.73 NaN
Sep 2012 1266.7930645734757 -0.61 NaN
Oct 2012 1256.9453388195489 -0.78 NaN
Nov 2012 1254.5555102546614 -0.19 NaN
Dec 2012 1253.2430937643005 -0.10 NaN
Jan 2013 1236.1905866213338 -1.36 -5.37
Feb 2013 1252.9206144217308 1.35 -3.60
Mar 2013 1261.505325972997 0.69 -3.08
Apr 2013 1251.9121000312057 -0.76 -3.32
May 2013 1265.2852536373832 1.07 -1.53
Jun 2013 1329.526969400664 5.08 4.28
Jul 2013 1367.5785042364241 2.86 8.07
Aug 2013 1382.4339187997116 1.09 8.46
Sep 2013 1390.827680793705 0.61 9.79
Oct 2013 1361.5295124688225 -2.11 8.32
Nov 2013 1371.0718848098377 0.70 9.29
Dec 2013 1396.7068507487388 1.87 11.45
Jan 2014 1375.0762827814954 -1.55 11.24
Feb 2014 1362.6235112400416 -0.91 8.76
Mar 2014 1372.3911866882002 0.72 8.79
Apr 2014 1376.1964870427287 0.28 9.93
May 2014 1365.6786032082591 -0.76 7.93
Jun 2014 1366.5438824078965 0.06 2.78
Jul 2014 1364.994956643156 -0.11 -0.19
Aug 2014 1363.08280772016 -0.14 -1.40
Sep 2014 1368.1861456262868 0.37 -1.63
Oct 2014 1352.4532986484533 -1.15 -0.67
Nov 2014 1346.7098938762463 -0.42 -1.78
Dec 2014 1330.1772928131636 -1.23 -4.76
Jan 2015 1291.0686863717715 -2.94 -6.11
Feb 2015 1296.7648993205646 0.44 -4.83
Mar 2015 1306.4107999206128 0.74 -4.81
Apr 2015 1298.3866463353809 -0.61 -5.65
May 2015 1322.3569996236274 1.85 -3.17
Jun 2015 1343.066829910877 1.57 -1.72
Jul 2015 1355.575717789559 0.93 -0.69
Aug 2015 1344.2983214879273 -0.83 -1.38
Sep 2015 1348.6690642486244 0.33 -1.43
Oct 2015 1344.2458900670515 -0.33 -0.61
Nov 2015 1368.5348493081597 1.81 1.62
Dec 2015 1378.1193814415467 0.70 3.60
Jan 2016 1380.153762970195 0.15 6.90
Feb 2016 1360.1488092261307 -1.45 4.89
Mar 2016 1367.772142905625 0.56 4.70
Apr 2016 1358.228935351561 -0.70 4.61
May 2016 1360.0027369504448 0.13 2.85
Jun 2016 1359.6812199287326 -0.02 1.24
Jul 2016 1348.1999197911996 -0.84 -0.54
Aug 2016 1350.5907825612912 0.18 0.47
Sep 2016 1356.6995571745388 0.45 0.60
Oct 2016 1362.2311836812983 0.41 1.34
Nov 2016 1404.3731628019104 3.09 2.62
Dec 2016 1464.3851840468885 4.27 6.26
Jan 2017 1377.774911475355 -5.91 -0.17
Feb 2017 1384.2784709331686 0.47 1.77
Mar 2017 1392.192940509339 0.57 1.79
Apr 2017 1378.4214339894584 -0.99 1.49
May 2017 1381.261202647983 0.21 1.56
Jun 2017 1374.89886117293 -0.46 1.12
Jul 2017 1389.4188573830227 1.06 3.06
Aug 2017 1382.7785992698587 -0.48 2.38
Sep 2017 1377.6635815919353 -0.37 1.55
Oct 2017 1394.744244065474 1.24 2.39
Nov 2017 1403.5529044330206 0.63 -0.06
Dec 2017 1412.7070215033846 0.65 -3.53
Jan 2018 1515.0328949513419 7.24 9.96
Feb 2018 1561.0923612945803 3.04 12.77
Mar 2018 1584.9906012077345 1.53 13.85
Apr 2018 1595.8065013306077 0.68 15.77
May 2018 1621.11968002871 1.59 17.36
Jun 2018 1624.7683202402513 0.23 18.17
Jul 2018 1626.6707497147197 0.12 17.08
Aug 2018 1636.3859872800253 0.60 18.34
Sep 2018 1653.52253181682 1.05 20.02
Oct 2018 1684.866897714783 1.90 20.80
Nov 2018 1691.8859991666645 0.42 20.54
Dec 2018 1660.5243186192793 -1.85 17.54
Jan 2019 1646.6906365189077 -0.83 8.69
Feb 2019 1639.8123086151475 -0.42 5.04
Mar 2019 1633.6678515221224 -0.37 3.07
Apr 2019 1624.1621560292224 -0.58 1.78
May 2019 1620.3134337414926 -0.24 -0.05
Jun 2019 1585.3229961832003 -2.16 -2.43
Jul 2019 1582.443096704108 -0.18 -2.72
Aug 2019 1563.8665649585766 -1.17 -4.43
Sep 2019 1564.7469333579184 0.06 -5.37
Oct 2019 1580.4721069459906 1.00 -6.20
Nov 2019 1586.4496636969757 0.38 -6.23
Dec 2019 1596.0769540022288 0.61 -3.88
Jan 2020 1577.5839771119558 -1.16 -4.20
Feb 2020 1562.274476002926 -0.97 -4.73
Mar 2020 1567.7680820772134 0.35 -4.03
Apr 2020 1554.2803436007425 -0.86 -4.30
May 2020 1547.3277551944554 -0.45 -4.50
Jun 2020 1539.2691631747366 -0.52 -2.90
Jul 2020 1521.697744720498 -1.14 -3.84
Aug 2020 1519.741023849463 -0.13 -2.82
Sep 2020 1529.7476044977725 0.66 -2.24
Oct 2020 1542.726542484362 0.85 -2.39
Nov 2020 1554.011711721106 0.73 -2.04
Dec 2020 1561.9303659754498 0.51 -2.14
Jan 2021 1577.9203537719227 1.02 0.02
Feb 2021 1605.438621474966 1.74 2.76
Mar 2021 1663.2512254593512 3.60 6.09
Apr 2021 1680.4078483283915 1.03 8.12
May 2021 1688.953746189099 0.51 9.15
Jun 2021 1716.048104480335 1.60 11.49
Jul 2021 1717.6279974205227 0.09 12.88
Aug 2021 1720.1430593297646 0.15 13.19
Sep 2021 1727.5654526589562 0.43 12.93
Oct 2021 1754.1161623314 1.54 13.70
Nov 2021 1759.7256300141848 0.32 13.24
Dec 2021 1774.7251303317994 0.85 13.62
Jan 2022 1820.4012341248167 2.57 15.37
Feb 2022 1902.1374815941463 4.49 18.48
Mar 2022 2010.1231257940794 5.68 20.86
Apr 2022 2197.8516595121614 9.34 30.79
May 2022 2281.0848898274303 3.79 35.06
Jun 2022 2368.8003498024786 3.85 38.04
Jul 2022 2359.8026859210754 -0.38 37.39
Aug 2022 2321.2654415007205 -1.63 34.95
Sep 2022 2499.9248399568696 7.70 44.71
Oct 2022 2665.6020144441036 6.63 51.96
Nov 2022 2642.3991922153064 -0.87 50.16
Dec 2022 2544.882281382918 -3.69 43.40
Jan 2023 2569.983860160533 0.99 41.18
Feb 2023 2571.4479374115426 0.06 35.19
Mar 2023 2640.1858621982014 2.67 31.34
Apr 2023 2605.2466069196853 -1.32 18.54
May 2023 2634.33394344906 1.12 15.49
Jun 2023 2714.3811988457473 3.04 14.59
Jul 2023 2757.2070173735783 1.58 16.84
Aug 2023 2823.8855125354776 2.42 21.65
Sep 2023 2865.39591698191 1.47 14.62
Oct 2023 2973.796448769365 3.78 11.56
Nov 2023 2940.8392159234554 -1.11 11.29
Dec 2023 2805.5488933966826 -4.60 10.24
Jan 2024 2772.806366527765 -1.17 7.89
Feb 2024 2811.930129677711 1.41 9.35
Mar 2024 2837.4681073084193 0.91 7.47
Apr 2024 2900.5850108279437 2.22 11.34
May 2024 2936.4354791205437 1.24 11.47
Jun 2024 2914.285935314964 -0.75 7.37
Jul 2024 2907.112936251167 -0.25 5.44
Aug 2024 2835.318955461728 -2.47 0.41
Sep 2024 2779.0096851715334 -1.99 -3.01
Oct 2024 2848.914428025918 2.52 -4.20
Nov 2024 2950.9052973932376 3.58 0.34
Dec 2024 2942.656474530955 -0.28 4.89
Jan 2025 3034.822291641049 3.13 9.45
Feb 2025 3011.748841936436 -0.76 7.11
Mar 2025 2965.031613397062 -1.55 4.50
Apr 2025 2981.619719779894 0.56 2.79
May 2025 3000.3198775897527 0.63 2.18
Jun 2025 2997.327385959892 -0.10 2.85
Jul 2025 2971.734618208598 -0.85 2.22
Aug 2025 2940.4322388668197 -1.05 3.71
Sep 2025 2895.1001598064067 -1.54 4.18
Oct 2025 2878.0691152011213 -0.59 1.02
Nov 2025 2880.5306819027955 0.09 -2.38
Dec 2025 2876.0135740014452 -0.16 -2.26
Jan 2026 2860.014110592102 -0.56 -5.76