Pensacola, 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 Pensacola, FL Metro in January 2026 was $2,073.806. The month over month percentage change (MoM) was -0.43%, and the year over year percentage change (YoY) was -6.19%.

The chart below shows the trend of the total monthly payments with 20% down for all homes in the Pensacola, 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 Pensacola, 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.
Pensacola, FL (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Pensacola, FL (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 169
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 769.5206088469135 NaN NaN
Feb 2012 766.2159172886859 -0.43 NaN
Mar 2012 765.8290878329398 -0.05 NaN
Apr 2012 758.930989674009 -0.90 NaN
May 2012 749.3942966844197 -1.26 NaN
Jun 2012 740.7343138383837 -1.16 NaN
Jul 2012 733.2440606400595 -1.01 NaN
Aug 2012 735.3119464962531 0.28 NaN
Sep 2012 729.4115622373845 -0.80 NaN
Oct 2012 723.265141464395 -0.84 NaN
Nov 2012 723.3392983885481 0.01 NaN
Dec 2012 725.3422792698834 0.28 NaN
Jan 2013 731.5011554570797 0.85 -4.94
Feb 2013 741.109113179431 1.31 -3.28
Mar 2013 747.0032380646489 0.80 -2.46
Apr 2013 745.0065050719297 -0.27 -1.83
May 2013 756.0052323821869 1.48 0.88
Jun 2013 793.1535454304878 4.91 7.08
Jul 2013 816.686708092069 2.97 11.38
Aug 2013 827.0038379950108 1.26 12.47
Sep 2013 833.6545202015378 0.80 14.29
Oct 2013 819.7373882909621 -1.67 13.34
Nov 2013 827.8497280638692 0.99 14.45
Dec 2013 844.8563995891766 2.05 16.48
Jan 2014 847.276007920311 0.29 15.83
Feb 2014 843.5592211292375 -0.44 13.82
Mar 2014 850.1989407465496 0.79 13.82
Apr 2014 853.9705083923559 0.44 14.63
May 2014 848.5682845430549 -0.63 12.24
Jun 2014 850.2798230910084 0.20 7.20
Jul 2014 850.7558693387717 0.06 4.17
Aug 2014 851.2643771587827 0.06 2.93
Sep 2014 855.6290733777702 0.51 2.64
Oct 2014 847.6916125744875 -0.93 3.41
Nov 2014 846.6622022115471 -0.12 2.27
Dec 2014 840.9410127023224 -0.68 -0.46
Jan 2015 828.3198886601998 -1.50 -2.24
Feb 2015 833.4025816182784 0.61 -1.20
Mar 2015 839.2000767900141 0.70 -1.29
Apr 2015 835.4468842280193 -0.45 -2.17
May 2015 850.0791073165668 1.75 0.18
Jun 2015 863.3511130792065 1.56 1.54
Jul 2015 871.4453830130869 0.94 2.43
Aug 2015 864.5857556273049 -0.79 1.57
Sep 2015 865.4638489961724 0.10 1.15
Oct 2015 860.207038568542 -0.61 1.48
Nov 2015 870.6812284223042 1.22 2.84
Dec 2015 872.8034554849469 0.24 3.79
Jan 2016 865.5078746121012 -0.84 4.49
Feb 2016 853.6703965533045 -1.37 2.43
Mar 2016 858.5738019030016 0.57 2.31
Apr 2016 855.773243171294 -0.33 2.43
May 2016 858.050565566952 0.27 0.94
Jun 2016 858.6491409624098 0.07 -0.55
Jul 2016 851.9243604137253 -0.78 -2.24
Aug 2016 855.076519954981 0.37 -1.10
Sep 2016 861.1498549396019 0.71 -0.50
Oct 2016 866.5493411284463 0.63 0.74
Nov 2016 891.4046729482975 2.87 2.38
Dec 2016 925.5777356619025 3.83 6.05
Jan 2017 919.670488289986 -0.64 6.26
Feb 2017 924.7168860325136 0.55 8.32
Mar 2017 931.5280354668132 0.74 8.50
Apr 2017 925.8127591121267 -0.61 8.18
May 2017 928.3170583480376 0.27 8.19
Jun 2017 925.8155710774208 -0.27 7.82
Jul 2017 936.3593799539819 1.14 9.91
Aug 2017 936.7493917037374 0.04 9.55
Sep 2017 937.9367118805383 0.13 8.92
Oct 2017 951.4988158945959 1.45 9.80
Nov 2017 960.5424818456006 0.95 7.76
Dec 2017 969.3576749439032 0.92 4.73
Jan 2018 978.6263991430086 0.96 6.41
Feb 2018 1009.5888530650043 3.16 9.18
Mar 2018 1026.9688577238128 1.72 10.25
Apr 2018 1036.4724559560475 0.93 11.95
May 2018 1052.4843623308548 1.55 13.38
Jun 2018 1056.364630717584 0.37 14.10
Jul 2018 1058.5692809342984 0.21 13.05
Aug 2018 1064.3793214494426 0.55 13.63
Sep 2018 1074.712800536644 0.97 14.58
Oct 2018 1094.845541894616 1.87 15.07
Nov 2018 1101.8704879047864 0.64 14.71
Dec 2018 1086.496794249773 -1.39 12.08
Jan 2019 1067.0778790607342 -1.79 9.04
Feb 2019 1062.5521119581379 -0.42 5.25
Mar 2019 1056.9804570756876 -0.52 2.92
Apr 2019 1050.927841344396 -0.57 1.40
May 2019 1049.8389306733288 -0.10 -0.25
Jun 2019 1031.4423522217944 -1.75 -2.36
Jul 2019 1034.0749375410342 0.26 -2.31
Aug 2019 1028.6827683813503 -0.52 -3.35
Sep 2019 1035.214453144894 0.64 -3.67
Oct 2019 1051.4728157880852 1.57 -3.96
Nov 2019 1061.8729682610779 0.99 -3.63
Dec 2019 1074.0225323284246 1.14 -1.15
Jan 2020 1068.933667615626 -0.47 0.17
Feb 2020 1064.3159616219025 -0.43 0.17
Mar 2020 1072.3926596117617 0.76 1.46
Apr 2020 1067.7594621428577 -0.43 1.60
May 2020 1068.2619747104097 0.05 1.76
Jun 2020 1069.9088067955938 0.15 3.73
Jul 2020 1065.0055642448515 -0.46 2.99
Aug 2020 1067.9255389180257 0.27 3.82
Sep 2020 1076.7159704627331 0.82 4.01
Oct 2020 1085.4696425135924 0.81 3.23
Nov 2020 1094.0079044534448 0.79 3.03
Dec 2020 1100.4991978379082 0.59 2.47
Jan 2021 1104.3075637254422 0.35 3.31
Feb 2021 1125.5236337137394 1.92 5.75
Mar 2021 1166.3735071573094 3.63 8.76
Apr 2021 1178.1826806068436 1.01 10.34
May 2021 1185.0316763146568 0.58 10.93
Jun 2021 1207.6615073737134 1.91 12.88
Jul 2021 1218.4084449784941 0.89 14.40
Aug 2021 1234.9371568779816 1.36 15.64
Sep 2021 1254.9158736120871 1.62 16.55
Oct 2021 1285.9922558812466 2.48 18.47
Nov 2021 1299.9820203491604 1.09 18.83
Dec 2021 1319.346247597953 1.49 19.89
Jan 2022 1372.1121734266221 4.00 24.25
Feb 2022 1434.5528908875517 4.55 27.46
Mar 2022 1515.155249345198 5.62 29.90
Apr 2022 1656.1791841391998 9.31 40.57
May 2022 1722.796068956143 4.02 45.38
Jun 2022 1794.1107858146695 4.14 48.56
Jul 2022 1798.2766270968514 0.23 47.59
Aug 2022 1782.696231752715 -0.87 44.36
Sep 2022 1923.1071621429812 7.88 53.25
Oct 2022 2051.0830490046906 6.66 59.49
Nov 2022 2039.1575423076017 -0.58 56.86
Dec 2022 1972.583394499051 -3.26 49.51
Jan 2023 1974.1791660926067 0.08 43.88
Feb 2023 1977.8518203264805 0.19 37.87
Mar 2023 2033.2197144457634 2.80 34.19
Apr 2023 2014.7435645084224 -0.91 21.65
May 2023 2039.7891774721506 1.24 18.40
Jun 2023 2096.325633481146 2.77 16.85
Jul 2023 2126.230768678885 1.43 18.24
Aug 2023 2175.6856687694044 2.33 22.05
Sep 2023 2207.3992767967584 1.46 14.78
Oct 2023 2287.1353309503256 3.61 11.51
Nov 2023 2265.5606017673254 -0.94 11.10
Dec 2023 2169.684544320852 -4.23 9.99
Jan 2024 2144.994329072455 -1.14 8.65
Feb 2024 2170.3097380350914 1.18 9.73
Mar 2024 2182.491731162634 0.56 7.34
Apr 2024 2220.2622193568463 1.73 10.20
May 2024 2236.5870953687304 0.74 9.65
Jun 2024 2215.006460191247 -0.96 5.66
Jul 2024 2204.333372224568 -0.48 3.67
Aug 2024 2145.183031770376 -2.68 -1.40
Sep 2024 2103.543735624164 -1.94 -4.70
Oct 2024 2137.161496668652 1.60 -6.56
Nov 2024 2191.4974806779433 2.54 -3.27
Dec 2024 2173.42740461441 -0.82 0.17
Jan 2025 2210.6795548481355 1.71 3.06
Feb 2025 2190.445121481772 -0.91 0.93
Mar 2025 2157.0931255562773 -1.52 -1.16
Apr 2025 2163.8625893370436 0.31 -2.54
May 2025 2173.197498786518 0.43 -2.83
Jun 2025 2168.578411157146 -0.21 -2.10
Jul 2025 2149.9479282134866 -0.86 -2.47
Aug 2025 2126.6570888931565 -1.08 -0.86
Sep 2025 2103.3511351940606 -1.10 -0.01
Oct 2025 2087.948363866631 -0.73 -2.30
Nov 2025 2086.9259763487657 -0.05 -4.77
Dec 2025 2082.6952671368567 -0.20 -4.17
Jan 2026 2073.8056702143504 -0.43 -6.19