Reading, PA (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 Reading, PA Metro in January 2026 was $2,078.936. The month over month percentage change (MoM) was -0.43%, and the year over year percentage change (YoY) was -3.71%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Reading, PA metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Reading, PA metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Reading, PA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Reading, PA (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Reading, PA (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 | 764.6366293561216 | NaN | NaN |
| Feb 2012 | 761.9153576498904 | -0.36 | NaN |
| Mar 2012 | 765.6978479072945 | 0.50 | NaN |
| Apr 2012 | 762.5306566103344 | -0.41 | NaN |
| May 2012 | 756.1201159775218 | -0.84 | NaN |
| Jun 2012 | 748.2967262951554 | -1.03 | NaN |
| Jul 2012 | 739.2167454454559 | -1.21 | NaN |
| Aug 2012 | 740.7853411372715 | 0.21 | NaN |
| Sep 2012 | 732.2233668581875 | -1.16 | NaN |
| Oct 2012 | 723.4813464596091 | -1.19 | NaN |
| Nov 2012 | 720.2807478429132 | -0.44 | NaN |
| Dec 2012 | 718.2338747450635 | -0.28 | NaN |
| Jan 2013 | 721.4163162210705 | 0.44 | -5.65 |
| Feb 2013 | 728.772023511295 | 1.02 | -4.35 |
| Mar 2013 | 731.6515960032596 | 0.40 | -4.45 |
| Apr 2013 | 724.7690057988282 | -0.94 | -4.95 |
| May 2013 | 731.6584552440235 | 0.95 | -3.23 |
| Jun 2013 | 767.8543601837379 | 4.95 | 2.61 |
| Jul 2013 | 788.2251968180049 | 2.65 | 6.63 |
| Aug 2013 | 795.3059925314944 | 0.90 | 7.36 |
| Sep 2013 | 799.5433140466263 | 0.53 | 9.19 |
| Oct 2013 | 781.7670181897616 | -2.22 | 8.06 |
| Nov 2013 | 788.8132862881469 | 0.90 | 9.52 |
| Dec 2013 | 805.2549525443409 | 2.08 | 12.12 |
| Jan 2014 | 804.4109439300629 | -0.10 | 11.50 |
| Feb 2014 | 794.5472648829495 | -1.23 | 9.03 |
| Mar 2014 | 797.321631224238 | 0.35 | 8.98 |
| Apr 2014 | 798.5865633922629 | 0.16 | 10.19 |
| May 2014 | 792.2007217682672 | -0.80 | 8.28 |
| Jun 2014 | 793.6561891046082 | 0.18 | 3.36 |
| Jul 2014 | 794.7559246213027 | 0.14 | 0.83 |
| Aug 2014 | 795.5470987122927 | 0.10 | 0.03 |
| Sep 2014 | 799.9320916776396 | 0.55 | 0.05 |
| Oct 2014 | 789.8302417123259 | -1.26 | 1.03 |
| Nov 2014 | 786.8074816053359 | -0.38 | -0.25 |
| Dec 2014 | 778.011267976324 | -1.12 | -3.38 |
| Jan 2015 | 788.6376053820078 | 1.37 | -1.96 |
| Feb 2015 | 792.0066567221664 | 0.43 | -0.32 |
| Mar 2015 | 796.5434890682901 | 0.57 | -0.10 |
| Apr 2015 | 790.722574481377 | -0.73 | -0.98 |
| May 2015 | 804.0379147986055 | 1.68 | 1.49 |
| Jun 2015 | 815.2401672440744 | 1.39 | 2.72 |
| Jul 2015 | 821.6566068470889 | 0.79 | 3.39 |
| Aug 2015 | 814.1769854562339 | -0.91 | 2.34 |
| Sep 2015 | 816.5138148555194 | 0.29 | 2.07 |
| Oct 2015 | 812.8333895168505 | -0.45 | 2.91 |
| Nov 2015 | 824.6922122624981 | 1.46 | 4.82 |
| Dec 2015 | 828.0502967266922 | 0.41 | 6.43 |
| Jan 2016 | 820.904464369489 | -0.86 | 4.09 |
| Feb 2016 | 808.6982131552783 | -1.49 | 2.11 |
| Mar 2016 | 813.002444684851 | 0.53 | 2.07 |
| Apr 2016 | 808.1310756968105 | -0.60 | 2.20 |
| May 2016 | 809.1853305149275 | 0.13 | 0.64 |
| Jun 2016 | 809.1564919882495 | 0.00 | -0.75 |
| Jul 2016 | 802.1704614022917 | -0.86 | -2.37 |
| Aug 2016 | 803.9469339570754 | 0.22 | -1.26 |
| Sep 2016 | 808.2734023044471 | 0.54 | -1.01 |
| Oct 2016 | 812.1683743593223 | 0.48 | -0.08 |
| Nov 2016 | 837.1234947407464 | 3.07 | 1.51 |
| Dec 2016 | 872.1423034232788 | 4.18 | 5.33 |
| Jan 2017 | 1105.8308810169178 | 26.80 | 34.71 |
| Feb 2017 | 1108.635041605669 | 0.25 | 37.09 |
| Mar 2017 | 1112.3285176361237 | 0.33 | 36.82 |
| Apr 2017 | 1103.4664781287074 | -0.80 | 36.55 |
| May 2017 | 1105.7252127059087 | 0.21 | 36.65 |
| Jun 2017 | 1102.1747181157275 | -0.32 | 36.21 |
| Jul 2017 | 1111.2812130296425 | 0.83 | 38.53 |
| Aug 2017 | 1108.6537865246125 | -0.24 | 37.90 |
| Sep 2017 | 1107.2921644475066 | -0.12 | 36.99 |
| Oct 2017 | 1119.2140804700502 | 1.08 | 37.81 |
| Nov 2017 | 1127.7163725532894 | 0.76 | 34.71 |
| Dec 2017 | 1137.0483071992728 | 0.83 | 30.37 |
| Jan 2018 | 1131.110260415159 | -0.52 | 2.29 |
| Feb 2018 | 1162.028265943797 | 2.73 | 4.82 |
| Mar 2018 | 1178.512944537694 | 1.42 | 5.95 |
| Apr 2018 | 1185.8389116802825 | 0.62 | 7.47 |
| May 2018 | 1199.4364869461458 | 1.15 | 8.48 |
| Jun 2018 | 1200.2008646050233 | 0.06 | 8.89 |
| Jul 2018 | 1198.7570076522773 | -0.12 | 7.87 |
| Aug 2018 | 1201.0883865482333 | 0.19 | 8.34 |
| Sep 2018 | 1207.9395495455624 | 0.57 | 9.09 |
| Oct 2018 | 1225.1486617602072 | 1.43 | 9.47 |
| Nov 2018 | 1230.28293704126 | 0.42 | 9.10 |
| Dec 2018 | 1213.8653570016306 | -1.33 | 6.76 |
| Jan 2019 | 1194.7597504531248 | -1.57 | 5.63 |
| Feb 2019 | 1191.084093801674 | -0.31 | 2.50 |
| Mar 2019 | 1188.0619819433537 | -0.25 | 0.81 |
| Apr 2019 | 1183.8978461233728 | -0.35 | -0.16 |
| May 2019 | 1183.2383767000106 | -0.06 | -1.35 |
| Jun 2019 | 1166.3365908311039 | -1.43 | -2.82 |
| Jul 2019 | 1168.2072812416682 | 0.16 | -2.55 |
| Aug 2019 | 1161.4738418226402 | -0.58 | -3.30 |
| Sep 2019 | 1165.577961738188 | 0.35 | -3.51 |
| Oct 2019 | 1178.0793350134727 | 1.07 | -3.84 |
| Nov 2019 | 1184.8625404365325 | 0.58 | -3.69 |
| Dec 2019 | 1192.089188846125 | 0.61 | -1.79 |
| Jan 2020 | 1165.1485365185817 | -2.26 | -2.48 |
| Feb 2020 | 1158.9175080990894 | -0.53 | -2.70 |
| Mar 2020 | 1168.206429069878 | 0.80 | -1.67 |
| Apr 2020 | 1169.109939945852 | 0.08 | -1.25 |
| May 2020 | 1173.0503240969945 | 0.34 | -0.86 |
| Jun 2020 | 1172.3733412045056 | -0.06 | 0.52 |
| Jul 2020 | 1162.5021917684296 | -0.84 | -0.49 |
| Aug 2020 | 1161.4726707230257 | -0.09 | 0.00 |
| Sep 2020 | 1168.9902426998158 | 0.65 | 0.29 |
| Oct 2020 | 1178.9970349146306 | 0.86 | 0.08 |
| Nov 2020 | 1190.8943482837426 | 1.01 | 0.51 |
| Dec 2020 | 1201.2378878445088 | 0.87 | 0.77 |
| Jan 2021 | 1180.9287509568276 | -1.69 | 1.35 |
| Feb 2021 | 1202.709319905408 | 1.84 | 3.78 |
| Mar 2021 | 1244.542573731127 | 3.48 | 6.53 |
| Apr 2021 | 1259.0518791081997 | 1.17 | 7.69 |
| May 2021 | 1266.8847608772653 | 0.62 | 8.00 |
| Jun 2021 | 1286.0156910737387 | 1.51 | 9.69 |
| Jul 2021 | 1288.1757709999702 | 0.17 | 10.81 |
| Aug 2021 | 1288.2962587202837 | 0.01 | 10.92 |
| Sep 2021 | 1286.3018355725285 | -0.15 | 10.04 |
| Oct 2021 | 1297.286217199271 | 0.85 | 10.03 |
| Nov 2021 | 1297.9277311330338 | 0.05 | 8.99 |
| Dec 2021 | 1307.7989681522545 | 0.76 | 8.87 |
| Jan 2022 | 1316.243139975028 | 0.65 | 11.46 |
| Feb 2022 | 1375.3682404484266 | 4.49 | 14.36 |
| Mar 2022 | 1452.092119368458 | 5.58 | 16.68 |
| Apr 2022 | 1575.1425274984858 | 8.47 | 25.11 |
| May 2022 | 1628.3182225922483 | 3.38 | 28.53 |
| Jun 2022 | 1683.8767018108822 | 3.41 | 30.94 |
| Jul 2022 | 1681.0732832399158 | -0.17 | 30.50 |
| Aug 2022 | 1662.9723155213533 | -1.08 | 29.08 |
| Sep 2022 | 1778.7703981807135 | 6.96 | 38.29 |
| Oct 2022 | 1890.1403215983414 | 6.26 | 45.70 |
| Nov 2022 | 1884.9938824096077 | -0.27 | 45.23 |
| Dec 2022 | 1831.8193676061887 | -2.82 | 40.07 |
| Jan 2023 | 1804.9236357535283 | -1.47 | 37.13 |
| Feb 2023 | 1803.8659358142452 | -0.06 | 31.16 |
| Mar 2023 | 1846.5559877949604 | 2.37 | 27.17 |
| Apr 2023 | 1829.1376871588727 | -0.94 | 16.13 |
| May 2023 | 1855.606019343707 | 1.45 | 13.96 |
| Jun 2023 | 1913.1834449547919 | 3.10 | 13.62 |
| Jul 2023 | 1948.9073491928243 | 1.87 | 15.93 |
| Aug 2023 | 2000.7439627973458 | 2.66 | 20.31 |
| Sep 2023 | 2035.9875341440475 | 1.76 | 14.46 |
| Oct 2023 | 2111.954359811967 | 3.73 | 11.74 |
| Nov 2023 | 2094.389244223209 | -0.83 | 11.11 |
| Dec 2023 | 2010.0567761027623 | -4.03 | 9.73 |
| Jan 2024 | 1978.7203878747996 | -1.56 | 9.63 |
| Feb 2024 | 2006.723443259344 | 1.42 | 11.25 |
| Mar 2024 | 2023.961946740926 | 0.86 | 9.61 |
| Apr 2024 | 2062.353294311509 | 1.90 | 12.75 |
| May 2024 | 2083.3139655264904 | 1.02 | 12.27 |
| Jun 2024 | 2069.5208404437394 | -0.66 | 8.17 |
| Jul 2024 | 2065.8386957346042 | -0.18 | 6.00 |
| Aug 2024 | 2019.4843485206152 | -2.24 | 0.94 |
| Sep 2024 | 1985.8268172792596 | -1.67 | -2.46 |
| Oct 2024 | 2034.492675891864 | 2.45 | -3.67 |
| Nov 2024 | 2107.3084386633636 | 3.58 | 0.62 |
| Dec 2024 | 2110.651890658954 | 0.16 | 5.01 |
| Jan 2025 | 2159.0460196564427 | 2.29 | 9.11 |
| Feb 2025 | 2150.022384740424 | -0.42 | 7.14 |
| Mar 2025 | 2122.5738619418057 | -1.28 | 4.87 |
| Apr 2025 | 2132.3307940961504 | 0.46 | 3.39 |
| May 2025 | 2147.69642008913 | 0.72 | 3.09 |
| Jun 2025 | 2149.5975544759494 | 0.09 | 3.87 |
| Jul 2025 | 2142.492969991381 | -0.33 | 3.71 |
| Aug 2025 | 2128.7551698405073 | -0.64 | 5.41 |
| Sep 2025 | 2105.0859630799696 | -1.11 | 6.01 |
| Oct 2025 | 2091.582485878422 | -0.64 | 2.81 |
| Nov 2025 | 2091.2850333647866 | -0.01 | -0.76 |
| Dec 2025 | 2087.852119001468 | -0.16 | -1.08 |
| Jan 2026 | 2078.9361698409266 | -0.43 | -3.71 |
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