Rochester, NY (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 Rochester, NY Metro in January 2026 was $1,816.128. The month over month percentage change (MoM) was -0.29%, and the year over year percentage change (YoY) was -3.06%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Rochester, NY metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Rochester, NY metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Rochester, NY (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Rochester, NY (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Rochester, NY (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 | 737.4038149920248 | NaN | NaN |
| Feb 2012 | 734.697816067462 | -0.37 | NaN |
| Mar 2012 | 737.5486002300868 | 0.39 | NaN |
| Apr 2012 | 734.2769042650496 | -0.44 | NaN |
| May 2012 | 726.078962038465 | -1.12 | NaN |
| Jun 2012 | 716.0485789078751 | -1.38 | NaN |
| Jul 2012 | 707.3006462888011 | -1.22 | NaN |
| Aug 2012 | 709.7008209022879 | 0.34 | NaN |
| Sep 2012 | 705.1304779402923 | -0.64 | NaN |
| Oct 2012 | 700.8652878110512 | -0.60 | NaN |
| Nov 2012 | 700.9633926935317 | 0.01 | NaN |
| Dec 2012 | 702.3614043017949 | 0.20 | NaN |
| Jan 2013 | 707.9614075502468 | 0.80 | -3.99 |
| Feb 2013 | 717.23981094773 | 1.31 | -2.38 |
| Mar 2013 | 722.0022503003378 | 0.66 | -2.11 |
| Apr 2013 | 717.6198210197912 | -0.61 | -2.27 |
| May 2013 | 723.9521479444425 | 0.88 | -0.29 |
| Jun 2013 | 754.4848384427931 | 4.22 | 5.37 |
| Jul 2013 | 772.3548721373974 | 2.37 | 9.20 |
| Aug 2013 | 778.0510688504291 | 0.74 | 9.63 |
| Sep 2013 | 781.1420885296009 | 0.40 | 10.78 |
| Oct 2013 | 765.4809822701654 | -2.00 | 9.22 |
| Nov 2013 | 771.5166147878559 | 0.79 | 10.07 |
| Dec 2013 | 786.6859387283175 | 1.97 | 12.01 |
| Jan 2014 | 788.2376348003063 | 0.20 | 11.34 |
| Feb 2014 | 783.1132210254909 | -0.65 | 9.18 |
| Mar 2014 | 787.2299270533617 | 0.53 | 9.03 |
| Apr 2014 | 788.4584144818716 | 0.16 | 9.87 |
| May 2014 | 780.878516862618 | -0.96 | 7.86 |
| Jun 2014 | 779.4899102852664 | -0.18 | 3.31 |
| Jul 2014 | 777.4091048875654 | -0.27 | 0.65 |
| Aug 2014 | 776.5050173073548 | -0.12 | -0.20 |
| Sep 2014 | 779.7723969932225 | 0.42 | -0.17 |
| Oct 2014 | 771.9979662164145 | -1.00 | 0.85 |
| Nov 2014 | 769.896556462991 | -0.27 | -0.21 |
| Dec 2014 | 763.7085468237209 | -0.80 | -2.92 |
| Jan 2015 | 851.3980671680098 | 11.48 | 8.01 |
| Feb 2015 | 855.5547135089007 | 0.49 | 9.25 |
| Mar 2015 | 859.3354377998697 | 0.44 | 9.16 |
| Apr 2015 | 854.3203770071556 | -0.58 | 8.35 |
| May 2015 | 864.3483850339787 | 1.17 | 10.69 |
| Jun 2015 | 873.7781458107761 | 1.09 | 12.10 |
| Jul 2015 | 879.5960612045621 | 0.67 | 13.15 |
| Aug 2015 | 875.91902478626 | -0.42 | 12.80 |
| Sep 2015 | 879.8009788746372 | 0.44 | 12.83 |
| Oct 2015 | 878.9076640656174 | -0.10 | 13.85 |
| Nov 2015 | 890.6419871261488 | 1.34 | 15.68 |
| Dec 2015 | 895.1723757078889 | 0.51 | 17.21 |
| Jan 2016 | 741.3833516224845 | -17.18 | -12.92 |
| Feb 2016 | 732.5534256593091 | -1.19 | -14.38 |
| Mar 2016 | 739.1166198767855 | 0.90 | -13.99 |
| Apr 2016 | 739.4809026533181 | 0.05 | -13.44 |
| May 2016 | 745.8725635960034 | 0.86 | -13.71 |
| Jun 2016 | 750.533480279319 | 0.63 | -14.10 |
| Jul 2016 | 746.883972667007 | -0.49 | -15.09 |
| Aug 2016 | 749.8498076891723 | 0.40 | -14.39 |
| Sep 2016 | 754.4327344302683 | 0.61 | -14.25 |
| Oct 2016 | 759.5442981320306 | 0.68 | -13.58 |
| Nov 2016 | 783.6366180566299 | 3.17 | -12.01 |
| Dec 2016 | 817.0111962993658 | 4.26 | -8.73 |
| Jan 2017 | 927.3174892747547 | 13.50 | 25.08 |
| Feb 2017 | 931.5602800396052 | 0.46 | 27.17 |
| Mar 2017 | 934.7187040466933 | 0.34 | 26.46 |
| Apr 2017 | 927.0670668219337 | -0.82 | 25.37 |
| May 2017 | 929.2449985392286 | 0.24 | 24.59 |
| Jun 2017 | 927.2140555432584 | -0.22 | 23.54 |
| Jul 2017 | 933.5328317439523 | 0.68 | 24.99 |
| Aug 2017 | 925.6895376462825 | -0.84 | 23.45 |
| Sep 2017 | 916.4238764966408 | -1.00 | 21.47 |
| Oct 2017 | 918.4775601663428 | 0.22 | 20.93 |
| Nov 2017 | 916.9468708154571 | -0.17 | 17.01 |
| Dec 2017 | 917.366594437338 | 0.05 | 12.28 |
| Jan 2018 | 922.2159581715271 | 0.53 | -0.55 |
| Feb 2018 | 941.8868734910768 | 2.13 | 1.11 |
| Mar 2018 | 950.3220917338905 | 0.90 | 1.67 |
| Apr 2018 | 952.1691982796018 | 0.19 | 2.71 |
| May 2018 | 961.1916536033247 | 0.95 | 3.44 |
| Jun 2018 | 961.801383913171 | 0.06 | 3.73 |
| Jul 2018 | 963.9810830157237 | 0.23 | 3.26 |
| Aug 2018 | 972.575213568641 | 0.89 | 5.07 |
| Sep 2018 | 984.5804532071256 | 1.23 | 7.44 |
| Oct 2018 | 1002.697715371088 | 1.84 | 9.17 |
| Nov 2018 | 1007.8760956385149 | 0.52 | 9.92 |
| Dec 2018 | 993.1460565892926 | -1.46 | 8.26 |
| Jan 2019 | 984.3650288759312 | -0.88 | 6.74 |
| Feb 2019 | 982.225293924944 | -0.22 | 4.28 |
| Mar 2019 | 980.1061445178859 | -0.22 | 3.13 |
| Apr 2019 | 975.1685693694494 | -0.50 | 2.42 |
| May 2019 | 973.3299368490552 | -0.19 | 1.26 |
| Jun 2019 | 958.4814943723948 | -1.53 | -0.34 |
| Jul 2019 | 960.0165508541756 | 0.16 | -0.41 |
| Aug 2019 | 953.6214062511704 | -0.67 | -1.95 |
| Sep 2019 | 956.5619770443595 | 0.31 | -2.85 |
| Oct 2019 | 966.6914430490474 | 1.06 | -3.59 |
| Nov 2019 | 972.095018349916 | 0.56 | -3.55 |
| Dec 2019 | 978.175406447748 | 0.63 | -1.51 |
| Jan 2020 | 975.5074712475684 | -0.27 | -0.90 |
| Feb 2020 | 968.0379608082885 | -0.77 | -1.44 |
| Mar 2020 | 970.4823487755602 | 0.25 | -0.98 |
| Apr 2020 | 963.8693503785485 | -0.68 | -1.16 |
| May 2020 | 962.7761349026617 | -0.11 | -1.08 |
| Jun 2020 | 962.9570844841815 | 0.02 | 0.47 |
| Jul 2020 | 959.8990848352792 | -0.32 | -0.01 |
| Aug 2020 | 963.8461215755669 | 0.41 | 1.07 |
| Sep 2020 | 974.2498445439463 | 1.08 | 1.85 |
| Oct 2020 | 986.7730759001768 | 1.29 | 2.08 |
| Nov 2020 | 998.9408037833508 | 1.23 | 2.76 |
| Dec 2020 | 1006.9747920919301 | 0.80 | 2.94 |
| Jan 2021 | 1020.9329874667142 | 1.39 | 4.66 |
| Feb 2021 | 1035.5569010702995 | 1.43 | 6.98 |
| Mar 2021 | 1066.9190814090073 | 3.03 | 9.94 |
| Apr 2021 | 1078.1270206518548 | 1.05 | 11.85 |
| May 2021 | 1088.1101891501085 | 0.93 | 13.02 |
| Jun 2021 | 1110.5511281623744 | 2.06 | 15.33 |
| Jul 2021 | 1119.42147917814 | 0.80 | 16.62 |
| Aug 2021 | 1125.1116391791534 | 0.51 | 16.73 |
| Sep 2021 | 1127.0793590649369 | 0.18 | 15.69 |
| Oct 2021 | 1135.5097057530165 | 0.75 | 15.07 |
| Nov 2021 | 1132.0916449427602 | -0.30 | 13.33 |
| Dec 2021 | 1134.7394304496354 | 0.23 | 12.69 |
| Jan 2022 | 1173.5030839036494 | 3.42 | 14.94 |
| Feb 2022 | 1217.701162936044 | 3.77 | 17.59 |
| Mar 2022 | 1279.4171100319027 | 5.07 | 19.92 |
| Apr 2022 | 1383.901770652365 | 8.17 | 28.36 |
| May 2022 | 1435.0171894933173 | 3.69 | 31.88 |
| Jun 2022 | 1490.2898610601874 | 3.85 | 34.19 |
| Jul 2022 | 1495.974912903088 | 0.38 | 33.64 |
| Aug 2022 | 1484.3557622592493 | -0.78 | 31.93 |
| Sep 2022 | 1580.4498353347658 | 6.47 | 40.23 |
| Oct 2022 | 1666.1813472693573 | 5.43 | 46.73 |
| Nov 2022 | 1653.5427299490348 | -0.76 | 46.06 |
| Dec 2022 | 1605.7056420562062 | -2.89 | 41.50 |
| Jan 2023 | 1477.1441114184872 | -8.01 | 25.88 |
| Feb 2023 | 1478.2311140154811 | 0.07 | 21.40 |
| Mar 2023 | 1517.2529177626882 | 2.64 | 18.59 |
| Apr 2023 | 1508.664275868493 | -0.57 | 9.02 |
| May 2023 | 1537.5169502831595 | 1.91 | 7.14 |
| Jun 2023 | 1594.3326899522253 | 3.70 | 6.98 |
| Jul 2023 | 1633.3955337845316 | 2.45 | 9.19 |
| Aug 2023 | 1685.2237606461151 | 3.17 | 13.53 |
| Sep 2023 | 1718.0932342539213 | 1.95 | 8.71 |
| Oct 2023 | 1781.8340672425197 | 3.71 | 6.94 |
| Nov 2023 | 1763.670384610969 | -1.02 | 6.66 |
| Dec 2023 | 1685.2110406217182 | -4.45 | 4.95 |
| Jan 2024 | 1689.9676194715275 | 0.28 | 14.41 |
| Feb 2024 | 1709.8272264592968 | 1.18 | 15.67 |
| Mar 2024 | 1726.4244231392922 | 0.97 | 13.79 |
| Apr 2024 | 1767.5473095051618 | 2.38 | 17.16 |
| May 2024 | 1797.6665919033233 | 1.70 | 16.92 |
| Jun 2024 | 1798.0294589053065 | 0.02 | 12.78 |
| Jul 2024 | 1803.6491217731693 | 0.31 | 10.42 |
| Aug 2024 | 1769.7175163132642 | -1.88 | 5.01 |
| Sep 2024 | 1742.324914117935 | -1.55 | 1.41 |
| Oct 2024 | 1783.626673624447 | 2.37 | 0.10 |
| Nov 2024 | 1840.2578437383934 | 3.18 | 4.34 |
| Dec 2024 | 1835.5314902627454 | -0.26 | 8.92 |
| Jan 2025 | 1873.3803016487586 | 2.06 | 10.85 |
| Feb 2025 | 1862.3239267011 | -0.59 | 8.92 |
| Mar 2025 | 1836.2284665714778 | -1.40 | 6.36 |
| Apr 2025 | 1846.7416245219486 | 0.57 | 4.48 |
| May 2025 | 1861.716153626358 | 0.81 | 3.56 |
| Jun 2025 | 1868.0870248963483 | 0.34 | 3.90 |
| Jul 2025 | 1863.0789599208674 | -0.27 | 3.30 |
| Aug 2025 | 1850.7997368839547 | -0.66 | 4.58 |
| Sep 2025 | 1828.2989249881102 | -1.22 | 4.93 |
| Oct 2025 | 1818.6493686017948 | -0.53 | 1.96 |
| Nov 2025 | 1821.5536387927625 | 0.16 | -1.02 |
| Dec 2025 | 1821.448713873163 | -0.01 | -0.77 |
| Jan 2026 | 1816.1282676830172 | -0.29 | -3.06 |
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