Gainesville, FL (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 Gainesville, FL Metro in January 2026 was $2,019.484. The month over month percentage change (MoM) was -0.51%, and the year over year percentage change (YoY) was -7.81%.

The chart below shows the trend of the total monthly payments with 20% down for all homes in the Gainesville, FL 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 Gainesville, FL 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.
Gainesville, FL (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Gainesville, FL (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 169
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 848.0258127837807 NaN NaN
Feb 2012 843.385013214422 -0.55 NaN
Mar 2012 846.1592759484588 0.33 NaN
Apr 2012 841.0761158825065 -0.60 NaN
May 2012 829.9941609763484 -1.32 NaN
Jun 2012 818.273798163267 -1.41 NaN
Jul 2012 806.8916569333803 -1.39 NaN
Aug 2012 806.4175901901904 -0.06 NaN
Sep 2012 798.727497967561 -0.95 NaN
Oct 2012 791.6878608575878 -0.88 NaN
Nov 2012 792.7697675942685 0.14 NaN
Dec 2012 796.2266983050549 0.44 NaN
Jan 2013 806.3267334727169 1.27 -4.92
Feb 2013 819.8113629421314 1.67 -2.79
Mar 2013 827.7242851361946 0.97 -2.18
Apr 2013 824.5222707053894 -0.39 -1.97
May 2013 833.8653935700336 1.13 0.47
Jun 2013 870.4699313220866 4.39 6.38
Jul 2013 891.3695252680367 2.40 10.47
Aug 2013 896.509575605907 0.58 11.17
Sep 2013 898.8230890621064 0.26 12.53
Oct 2013 880.658059848187 -2.02 11.24
Nov 2013 886.5337775767365 0.67 11.83
Dec 2013 902.524032990294 1.80 13.35
Jan 2014 898.5746621006584 -0.44 11.44
Feb 2014 897.8167320175603 -0.08 9.52
Mar 2014 907.9024289959817 1.12 9.69
Apr 2014 914.6187708724649 0.74 10.93
May 2014 910.6802438984212 -0.43 9.21
Jun 2014 912.2982937317374 0.18 4.81
Jul 2014 911.1549626372107 -0.12 2.22
Aug 2014 908.8935113292152 -0.25 1.38
Sep 2014 912.1829990431696 0.36 1.49
Oct 2014 903.863870586026 -0.91 2.64
Nov 2014 902.8352641425565 -0.11 1.84
Dec 2014 895.8525303385856 -0.77 -0.74
Jan 2015 880.3915435787884 -1.73 -2.02
Feb 2015 886.9779880547676 0.75 -1.21
Mar 2015 894.3972238959907 0.84 -1.49
Apr 2015 890.9035730515059 -0.39 -2.59
May 2015 905.7506805126484 1.67 -0.54
Jun 2015 919.7629335207198 1.55 0.82
Jul 2015 929.1742964896118 1.02 1.98
Aug 2015 923.4819220118318 -0.61 1.61
Sep 2015 927.3954402087682 0.42 1.67
Oct 2015 925.9069334608707 -0.16 2.44
Nov 2015 940.4983202015574 1.58 4.17
Dec 2015 945.3420197314144 0.52 5.52
Jan 2016 943.7582743121238 -0.17 7.20
Feb 2016 932.777633031893 -1.16 5.16
Mar 2016 939.0517680464537 0.67 4.99
Apr 2016 935.8903027509748 -0.34 5.05
May 2016 939.7567517553423 0.41 3.75
Jun 2016 941.9784152428383 0.24 2.42
Jul 2016 936.9513592205183 -0.53 0.84
Aug 2016 940.3535443018542 0.36 1.83
Sep 2016 946.6736433261677 0.67 2.08
Oct 2016 952.4368480119159 0.61 2.87
Nov 2016 979.1484858899873 2.81 4.11
Dec 2016 1016.5440282222933 3.82 7.53
Jan 2017 1008.08684250541 -0.83 6.82
Feb 2017 1015.2787751045221 0.71 8.85
Mar 2017 1023.8048599921663 0.84 9.03
Apr 2017 1018.9733188503719 -0.47 8.88
May 2017 1023.2692696131911 0.42 8.89
Jun 2017 1021.9224330344492 -0.13 8.49
Jul 2017 1032.8375738074917 1.07 10.23
Aug 2017 1031.382055097621 -0.14 9.68
Sep 2017 1030.1942251561074 -0.11 8.82
Oct 2017 1041.953489780978 1.14 9.40
Nov 2017 1048.8294048394932 0.66 7.12
Dec 2017 1055.250166859541 0.61 3.81
Jan 2018 1065.3499168362978 0.96 5.68
Feb 2018 1094.3821363342972 2.73 7.79
Mar 2018 1110.0054779284214 1.43 8.42
Apr 2018 1119.6067197360167 0.87 9.88
May 2018 1137.6833678429523 1.62 11.18
Jun 2018 1142.1928236684223 0.40 11.77
Jul 2018 1145.955663151487 0.33 10.95
Aug 2018 1155.076893825217 0.80 11.99
Sep 2018 1169.496925673271 1.25 13.52
Oct 2018 1193.0977194010734 2.02 14.51
Nov 2018 1202.0447695189803 0.75 14.61
Dec 2018 1187.122254159 -1.24 12.50
Jan 2019 1167.8928789761535 -1.62 9.63
Feb 2019 1161.7409616905188 -0.53 6.16
Mar 2019 1153.0795799333243 -0.75 3.88
Apr 2019 1145.4976674224154 -0.66 2.31
May 2019 1144.9531004250325 -0.05 0.64
Jun 2019 1129.5826471306182 -1.34 -1.10
Jul 2019 1134.738706095759 0.46 -0.98
Aug 2019 1128.8338709161983 -0.52 -2.27
Sep 2019 1133.4883454022995 0.41 -3.08
Oct 2019 1144.9923009466963 1.01 -4.03
Nov 2019 1149.9290795213687 0.43 -4.34
Dec 2019 1158.231160002885 0.72 -2.43
Jan 2020 1145.527514753363 -1.10 -1.91
Feb 2020 1138.9477412620085 -0.57 -1.96
Mar 2020 1144.6765470681223 0.50 -0.73
Apr 2020 1137.118290107368 -0.66 -0.73
May 2020 1133.9666291173332 -0.28 -0.96
Jun 2020 1129.680309194653 -0.38 0.01
Jul 2020 1120.2517264576236 -0.83 -1.28
Aug 2020 1120.0268298209655 -0.02 -0.78
Sep 2020 1127.5591252085655 0.67 -0.52
Oct 2020 1136.4997869270098 0.79 -0.74
Nov 2020 1145.9637522580142 0.83 -0.34
Dec 2020 1153.3610984465925 0.65 -0.42
Jan 2021 1150.9271765513713 -0.21 0.47
Feb 2021 1172.2237474702365 1.85 2.92
Mar 2021 1212.5201629962348 3.44 5.93
Apr 2021 1224.2213115209684 0.97 7.66
May 2021 1229.2104220097817 0.41 8.40
Jun 2021 1247.5574317728276 1.49 10.44
Jul 2021 1252.6891443187467 0.41 11.82
Aug 2021 1262.8688194466117 0.81 12.75
Sep 2021 1277.6895478877627 1.17 13.32
Oct 2021 1303.0221210491432 1.98 14.65
Nov 2021 1313.2876273479374 0.79 14.60
Dec 2021 1329.063654841348 1.20 15.23
Jan 2022 1368.2392073856536 2.95 18.88
Feb 2022 1427.562880462035 4.34 21.78
Mar 2022 1503.9079078271131 5.35 24.03
Apr 2022 1636.3683388998427 8.81 33.67
May 2022 1696.9284672028825 3.70 38.05
Jun 2022 1763.634255901763 3.93 41.37
Jul 2022 1768.391172607338 0.27 41.17
Aug 2022 1754.4056883781545 -0.79 38.92
Sep 2022 1888.3649880084113 7.64 47.80
Oct 2022 2010.0403295756778 6.44 54.26
Nov 2022 1997.600139368028 -0.62 52.11
Dec 2022 1932.4265233044205 -3.26 45.40
Jan 2023 1917.6879443715113 -0.76 40.16
Feb 2023 1917.4434623113825 -0.01 34.32
Mar 2023 1967.785497759673 2.63 30.85
Apr 2023 1951.3693104548327 -0.83 19.25
May 2023 1980.623484241301 1.50 16.72
Jun 2023 2042.113419589572 3.11 15.79
Jul 2023 2074.786326373417 1.60 17.33
Aug 2023 2121.8825275124004 2.27 20.95
Sep 2023 2149.823360814622 1.32 13.85
Oct 2023 2225.376794588478 3.51 10.71
Nov 2023 2204.538795061641 -0.94 10.36
Dec 2023 2112.4803589237426 -4.18 9.32
Jan 2024 2101.184019571981 -0.53 9.57
Feb 2024 2131.5218587983945 1.44 11.17
Mar 2024 2148.102932655752 0.78 9.16
Apr 2024 2186.0560472002844 1.77 12.03
May 2024 2201.9512671863067 0.73 11.18
Jun 2024 2179.6965839588684 -1.01 6.74
Jul 2024 2166.3820196660927 -0.61 4.42
Aug 2024 2107.74922303884 -2.71 -0.67
Sep 2024 2064.1955545231 -2.07 -3.98
Oct 2024 2102.988205787223 1.88 -5.50
Nov 2024 2162.992051781785 2.85 -1.88
Dec 2024 2149.8309441585498 -0.61 1.77
Jan 2025 2190.5839630963073 1.90 4.26
Feb 2025 2172.0923951983564 -0.84 1.90
Mar 2025 2138.6232103372577 -1.54 -0.44
Apr 2025 2142.4609589636907 0.18 -1.99
May 2025 2149.157569741969 0.31 -2.40
Jun 2025 2140.8016130366764 -0.39 -1.78
Jul 2025 2118.97147731339 -1.02 -2.19
Aug 2025 2090.702597820803 -1.33 -0.81
Sep 2025 2058.9649283494614 -1.52 -0.25
Oct 2025 2040.0387262775316 -0.92 -2.99
Nov 2025 2036.2148345132318 -0.19 -5.86
Dec 2025 2029.8201790755002 -0.31 -5.58
Jan 2026 2019.483517670289 -0.51 -7.81