Modesto, CA (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 Modesto, CA Metro in January 2026 was $2,840.102. The month over month percentage change (MoM) was -0.58%, and the year over year percentage change (YoY) was -7.38%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Modesto, CA metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Modesto, CA metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Modesto, CA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Modesto, CA (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Modesto, CA (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 | 734.6617256222912 | NaN | NaN |
| Feb 2012 | 734.0699806173836 | -0.08 | NaN |
| Mar 2012 | 739.2171866291651 | 0.70 | NaN |
| Apr 2012 | 737.58340054116 | -0.22 | NaN |
| May 2012 | 732.7291776311105 | -0.66 | NaN |
| Jun 2012 | 729.219587967531 | -0.48 | NaN |
| Jul 2012 | 726.8219467028746 | -0.33 | NaN |
| Aug 2012 | 735.9833744223647 | 1.26 | NaN |
| Sep 2012 | 736.1319081867646 | 0.02 | NaN |
| Oct 2012 | 735.7507912659527 | -0.05 | NaN |
| Nov 2012 | 741.91208376951 | 0.84 | NaN |
| Dec 2012 | 752.1489608003031 | 1.38 | NaN |
| Jan 2013 | 769.1362414898094 | 2.26 | 4.69 |
| Feb 2013 | 789.5552292425142 | 2.66 | 7.56 |
| Mar 2013 | 804.71151308969 | 1.92 | 8.86 |
| Apr 2013 | 811.8175699944806 | 0.88 | 10.07 |
| May 2013 | 837.1735854061919 | 3.12 | 14.25 |
| Jun 2013 | 898.1974806357953 | 7.29 | 23.17 |
| Jul 2013 | 943.9319787730135 | 5.09 | 29.87 |
| Aug 2013 | 974.9235255245505 | 3.28 | 32.47 |
| Sep 2013 | 1002.1133615704332 | 2.79 | 36.13 |
| Oct 2013 | 1001.3675236002839 | -0.07 | 36.10 |
| Nov 2013 | 1028.9666494018447 | 2.76 | 38.69 |
| Dec 2013 | 1065.9652368146146 | 3.60 | 41.72 |
| Jan 2014 | 1080.0171408407161 | 1.32 | 40.42 |
| Feb 2014 | 1083.1979097998585 | 0.30 | 37.19 |
| Mar 2014 | 1103.2959000791027 | 1.86 | 37.10 |
| Apr 2014 | 1119.0125409962648 | 1.43 | 37.84 |
| May 2014 | 1119.8633848308627 | 0.08 | 33.77 |
| Jun 2014 | 1129.0165433870775 | 0.82 | 25.70 |
| Jul 2014 | 1136.9009796339665 | 0.70 | 20.44 |
| Aug 2014 | 1144.5691044753046 | 0.67 | 17.40 |
| Sep 2014 | 1158.7896274917182 | 1.24 | 15.64 |
| Oct 2014 | 1153.7993135547786 | -0.43 | 15.22 |
| Nov 2014 | 1159.857395258602 | 0.53 | 12.72 |
| Dec 2014 | 1155.3750929023909 | -0.39 | 8.39 |
| Jan 2015 | 1127.87531729484 | -2.38 | 4.43 |
| Feb 2015 | 1138.1082106180759 | 0.91 | 5.07 |
| Mar 2015 | 1150.5191845536708 | 1.09 | 4.28 |
| Apr 2015 | 1147.6626763116105 | -0.25 | 2.56 |
| May 2015 | 1172.5941961585254 | 2.17 | 4.71 |
| Jun 2015 | 1194.324990122911 | 1.85 | 5.79 |
| Jul 2015 | 1209.600021683022 | 1.28 | 6.39 |
| Aug 2015 | 1205.244746266592 | -0.36 | 5.30 |
| Sep 2015 | 1215.8167013649086 | 0.88 | 4.92 |
| Oct 2015 | 1216.7022104589098 | 0.07 | 5.45 |
| Nov 2015 | 1244.566603730142 | 2.29 | 7.30 |
| Dec 2015 | 1259.7283263953786 | 1.22 | 9.03 |
| Jan 2016 | 1265.1391098802555 | 0.43 | 12.17 |
| Feb 2016 | 1253.4338882296604 | -0.92 | 10.13 |
| Mar 2016 | 1266.104176240152 | 1.01 | 10.05 |
| Apr 2016 | 1262.9767918029518 | -0.25 | 10.05 |
| May 2016 | 1267.2015481479161 | 0.34 | 8.07 |
| Jun 2016 | 1270.0551461854304 | 0.23 | 6.34 |
| Jul 2016 | 1263.083406571669 | -0.55 | 4.42 |
| Aug 2016 | 1269.6653150261027 | 0.52 | 5.35 |
| Sep 2016 | 1279.0487472802758 | 0.74 | 5.20 |
| Oct 2016 | 1286.7572124050323 | 0.60 | 5.76 |
| Nov 2016 | 1331.8081054392874 | 3.50 | 7.01 |
| Dec 2016 | 1395.2368651098145 | 4.76 | 10.76 |
| Jan 2017 | 1394.8526895863017 | -0.03 | 10.25 |
| Feb 2017 | 1408.0473265251385 | 0.95 | 12.34 |
| Mar 2017 | 1422.5753821347935 | 1.03 | 12.36 |
| Apr 2017 | 1413.885401395507 | -0.61 | 11.95 |
| May 2017 | 1415.7546264597183 | 0.13 | 11.72 |
| Jun 2017 | 1407.7205502553916 | -0.57 | 10.84 |
| Jul 2017 | 1421.711512786483 | 0.99 | 12.56 |
| Aug 2017 | 1419.1863761438526 | -0.18 | 11.78 |
| Sep 2017 | 1419.7238765638388 | 0.04 | 11.00 |
| Oct 2017 | 1443.31434059408 | 1.66 | 12.17 |
| Nov 2017 | 1460.424393128049 | 1.19 | 9.66 |
| Dec 2017 | 1479.0781817453608 | 1.28 | 6.01 |
| Jan 2018 | 1499.9805112937922 | 1.41 | 7.54 |
| Feb 2018 | 1555.9771912522035 | 3.73 | 10.51 |
| Mar 2018 | 1585.9995999012865 | 1.93 | 11.49 |
| Apr 2018 | 1600.400738396032 | 0.91 | 13.19 |
| May 2018 | 1628.082886134062 | 1.73 | 15.00 |
| Jun 2018 | 1634.2342505241122 | 0.38 | 16.09 |
| Jul 2018 | 1636.0081967228355 | 0.11 | 15.07 |
| Aug 2018 | 1644.2820923353431 | 0.51 | 15.86 |
| Sep 2018 | 1660.5981929593318 | 0.99 | 16.97 |
| Oct 2018 | 1695.8525947327153 | 2.12 | 17.50 |
| Nov 2018 | 1706.069414341243 | 0.60 | 16.82 |
| Dec 2018 | 1677.882651230013 | -1.65 | 13.44 |
| Jan 2019 | 1660.7417894059745 | -1.02 | 10.72 |
| Feb 2019 | 1654.9451036634255 | -0.35 | 6.36 |
| Mar 2019 | 1648.3517561398637 | -0.40 | 3.93 |
| Apr 2019 | 1636.8472618714527 | -0.70 | 2.28 |
| May 2019 | 1630.4899822542761 | -0.39 | 0.15 |
| Jun 2019 | 1593.0501546408955 | -2.30 | -2.52 |
| Jul 2019 | 1592.1905752261373 | -0.05 | -2.68 |
| Aug 2019 | 1577.8574701099083 | -0.90 | -4.04 |
| Sep 2019 | 1584.195675859421 | 0.40 | -4.60 |
| Oct 2019 | 1603.9684445579412 | 1.25 | -5.42 |
| Nov 2019 | 1614.8447071356954 | 0.68 | -5.35 |
| Dec 2019 | 1628.8461417223077 | 0.87 | -2.92 |
| Jan 2020 | 1618.0676467780127 | -0.66 | -2.57 |
| Feb 2020 | 1603.5347410273116 | -0.90 | -3.11 |
| Mar 2020 | 1611.7467787756186 | 0.51 | -2.22 |
| Apr 2020 | 1600.8260573103948 | -0.68 | -2.20 |
| May 2020 | 1597.0480748553111 | -0.24 | -2.05 |
| Jun 2020 | 1590.687072866169 | -0.40 | -0.15 |
| Jul 2020 | 1573.437868048699 | -1.08 | -1.18 |
| Aug 2020 | 1570.2215991001171 | -0.20 | -0.48 |
| Sep 2020 | 1579.6861624825333 | 0.60 | -0.28 |
| Oct 2020 | 1593.0779702524255 | 0.85 | -0.68 |
| Nov 2020 | 1609.5922087545023 | 1.04 | -0.32 |
| Dec 2020 | 1626.0029898336848 | 1.02 | -0.17 |
| Jan 2021 | 1634.7226293267481 | 0.54 | 1.03 |
| Feb 2021 | 1676.589986752667 | 2.56 | 4.56 |
| Mar 2021 | 1750.0464595738858 | 4.38 | 8.58 |
| Apr 2021 | 1776.1813609184399 | 1.49 | 10.95 |
| May 2021 | 1788.739185520597 | 0.71 | 12.00 |
| Jun 2021 | 1820.382686965297 | 1.77 | 14.44 |
| Jul 2021 | 1827.8596398897828 | 0.41 | 16.17 |
| Aug 2021 | 1841.2824899115126 | 0.73 | 17.26 |
| Sep 2021 | 1861.2411047462338 | 1.08 | 17.82 |
| Oct 2021 | 1899.4293434629258 | 2.05 | 19.23 |
| Nov 2021 | 1913.2995671682343 | 0.73 | 18.87 |
| Dec 2021 | 1937.4999052852816 | 1.26 | 19.16 |
| Jan 2022 | 2025.3170252624593 | 4.53 | 23.89 |
| Feb 2022 | 2123.048933019327 | 4.83 | 26.63 |
| Mar 2022 | 2249.2873018199243 | 5.95 | 28.53 |
| Apr 2022 | 2464.8211504946107 | 9.58 | 38.77 |
| May 2022 | 2553.0655338922566 | 3.58 | 42.73 |
| Jun 2022 | 2642.642257365357 | 3.51 | 45.17 |
| Jul 2022 | 2625.698774812959 | -0.64 | 43.65 |
| Aug 2022 | 2572.9733265817695 | -2.01 | 39.74 |
| Sep 2022 | 2754.1260204712917 | 7.04 | 47.97 |
| Oct 2022 | 2910.4116872201134 | 5.68 | 53.23 |
| Nov 2022 | 2855.4247977853743 | -1.89 | 49.24 |
| Dec 2022 | 2724.6110236447394 | -4.58 | 40.63 |
| Jan 2023 | 2695.7461689847482 | -1.06 | 33.10 |
| Feb 2023 | 2670.9255051579994 | -0.92 | 25.81 |
| Mar 2023 | 2725.4027552983835 | 2.04 | 21.17 |
| Apr 2023 | 2682.737735130053 | -1.56 | 8.84 |
| May 2023 | 2712.9476238044913 | 1.13 | 6.26 |
| Jun 2023 | 2793.6198207449133 | 2.97 | 5.71 |
| Jul 2023 | 2842.0064847664 | 1.73 | 8.24 |
| Aug 2023 | 2917.9869788021224 | 2.67 | 13.41 |
| Sep 2023 | 2968.310480633082 | 1.73 | 7.78 |
| Oct 2023 | 3086.08798090014 | 3.97 | 6.04 |
| Nov 2023 | 3054.2511120952454 | -1.03 | 6.96 |
| Dec 2023 | 2912.624513144659 | -4.64 | 6.90 |
| Jan 2024 | 2877.307135682746 | -1.21 | 6.74 |
| Feb 2024 | 2918.879193746424 | 1.45 | 9.28 |
| Mar 2024 | 2945.592168407123 | 0.92 | 8.08 |
| Apr 2024 | 3006.4423697564075 | 2.07 | 12.07 |
| May 2024 | 3037.9343829853406 | 1.05 | 11.98 |
| Jun 2024 | 3008.7635739546295 | -0.96 | 7.70 |
| Jul 2024 | 2996.208716974602 | -0.42 | 5.43 |
| Aug 2024 | 2914.9265695761587 | -2.71 | -0.10 |
| Sep 2024 | 2848.6915700735503 | -2.27 | -4.03 |
| Oct 2024 | 2909.712178825008 | 2.14 | -5.71 |
| Nov 2024 | 3006.335388148448 | 3.32 | -1.57 |
| Dec 2024 | 2991.3747979248164 | -0.50 | 2.70 |
| Jan 2025 | 3066.4731486558626 | 2.51 | 6.57 |
| Feb 2025 | 3036.5317389312872 | -0.98 | 4.03 |
| Mar 2025 | 2984.0995280704824 | -1.73 | 1.31 |
| Apr 2025 | 2999.239950311426 | 0.51 | -0.24 |
| May 2025 | 3020.4955308022313 | 0.71 | -0.57 |
| Jun 2025 | 3017.1387338264326 | -0.11 | 0.28 |
| Jul 2025 | 2985.7774609533208 | -1.04 | -0.35 |
| Aug 2025 | 2943.7801975516504 | -1.41 | 0.99 |
| Sep 2025 | 2888.813026324121 | -1.87 | 1.41 |
| Oct 2025 | 2864.178263670056 | -0.85 | -1.56 |
| Nov 2025 | 2863.316287330101 | -0.03 | -4.76 |
| Dec 2025 | 2856.763852979643 | -0.23 | -4.50 |
| Jan 2026 | 2840.1022917111686 | -0.58 | -7.38 |
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