Waterloo, IA (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 Waterloo, IA Metro in January 2026 was $1,366.131. The month over month percentage change (MoM) was -0.35%, and the year over year percentage change (YoY) was -2.53%.
The chart below shows the trend of the total monthly payments with 20% down for all homes in the Waterloo, IA metro. The table below shows the trend of the the total monthly payments with 20% down, and the MoM and YoY percentage changes for all homes in the Waterloo, IA metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Waterloo, IA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Waterloo, IA (Metro) - Trend of Total Monthly Payments: 20% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Waterloo, IA (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 | 713.0443836623917 | NaN | NaN |
| Feb 2012 | 715.6903604877873 | 0.37 | NaN |
| Mar 2012 | 721.9641910305122 | 0.88 | NaN |
| Apr 2012 | 722.8832953667978 | 0.13 | NaN |
| May 2012 | 719.5269234791765 | -0.46 | NaN |
| Jun 2012 | 713.9840714955484 | -0.77 | NaN |
| Jul 2012 | 708.4397051024939 | -0.78 | NaN |
| Aug 2012 | 712.9856635340376 | 0.64 | NaN |
| Sep 2012 | 709.5876473963788 | -0.48 | NaN |
| Oct 2012 | 705.1890067306365 | -0.62 | NaN |
| Nov 2012 | 705.1794515545032 | 0.00 | NaN |
| Dec 2012 | 706.9216486575242 | 0.25 | NaN |
| Jan 2013 | 675.5850630262169 | -4.43 | -5.25 |
| Feb 2013 | 682.796844480554 | 1.07 | -4.60 |
| Mar 2013 | 686.0812842691715 | 0.48 | -4.97 |
| Apr 2013 | 681.5659180726014 | -0.66 | -5.72 |
| May 2013 | 688.4204030866539 | 1.01 | -4.32 |
| Jun 2013 | 718.2053128924632 | 4.33 | 0.59 |
| Jul 2013 | 735.7423876651274 | 2.44 | 3.85 |
| Aug 2013 | 742.6397315189035 | 0.94 | 4.16 |
| Sep 2013 | 746.1408570710097 | 0.47 | 5.15 |
| Oct 2013 | 731.146099663117 | -2.01 | 3.68 |
| Nov 2013 | 736.6131450422488 | 0.75 | 4.46 |
| Dec 2013 | 751.0060568890516 | 1.95 | 6.24 |
| Jan 2014 | 783.125195181955 | 4.28 | 15.92 |
| Feb 2014 | 776.5696467406169 | -0.84 | 13.73 |
| Mar 2014 | 780.8755433526825 | 0.55 | 13.82 |
| Apr 2014 | 785.1484650139416 | 0.55 | 15.20 |
| May 2014 | 781.253669164152 | -0.50 | 13.49 |
| Jun 2014 | 783.259219877139 | 0.26 | 9.06 |
| Jul 2014 | 784.5676974681164 | 0.17 | 6.64 |
| Aug 2014 | 786.6379757518054 | 0.26 | 5.93 |
| Sep 2014 | 790.0501771349853 | 0.43 | 5.89 |
| Oct 2014 | 780.580377338754 | -1.20 | 6.76 |
| Nov 2014 | 776.4642185477414 | -0.53 | 5.41 |
| Dec 2014 | 769.6152216944547 | -0.88 | 2.48 |
| Jan 2015 | 761.937004325631 | -1.00 | -2.71 |
| Feb 2015 | 765.8744354031807 | 0.52 | -1.38 |
| Mar 2015 | 771.2072976744406 | 0.70 | -1.24 |
| Apr 2015 | 769.4933048257445 | -0.22 | -1.99 |
| May 2015 | 782.0050992337801 | 1.63 | 0.10 |
| Jun 2015 | 791.4941897399924 | 1.21 | 1.05 |
| Jul 2015 | 796.1568758284504 | 0.59 | 1.48 |
| Aug 2015 | 790.6914167992861 | -0.69 | 0.52 |
| Sep 2015 | 792.3961524905254 | 0.22 | 0.30 |
| Oct 2015 | 789.7606071115227 | -0.33 | 1.18 |
| Nov 2015 | 799.6932025806894 | 1.26 | 2.99 |
| Dec 2015 | 803.6425727839612 | 0.49 | 4.42 |
| Jan 2016 | 799.3143795713227 | -0.54 | 4.91 |
| Feb 2016 | 789.8493797953204 | -1.18 | 3.13 |
| Mar 2016 | 792.2823055443432 | 0.31 | 2.73 |
| Apr 2016 | 787.3017749086966 | -0.63 | 2.31 |
| May 2016 | 785.8119174325835 | -0.19 | 0.49 |
| Jun 2016 | 783.6947492090139 | -0.27 | -0.98 |
| Jul 2016 | 775.7257303723308 | -1.02 | -2.57 |
| Aug 2016 | 775.521299053408 | -0.03 | -1.92 |
| Sep 2016 | 777.73838569899 | 0.29 | -1.85 |
| Oct 2016 | 779.0623260394937 | 0.17 | -1.35 |
| Nov 2016 | 796.2189867059502 | 2.20 | -0.43 |
| Dec 2016 | 820.9272257767145 | 3.10 | 2.15 |
| Jan 2017 | 820.8841600806372 | 0.00 | 2.70 |
| Feb 2017 | 820.6935819993887 | -0.02 | 3.91 |
| Mar 2017 | 821.1176686326771 | 0.05 | 3.64 |
| Apr 2017 | 812.8538418353237 | -1.01 | 3.25 |
| May 2017 | 812.108614580132 | -0.09 | 3.35 |
| Jun 2017 | 807.2554837882485 | -0.60 | 3.01 |
| Jul 2017 | 811.6724439042897 | 0.55 | 4.63 |
| Aug 2017 | 808.0221925731703 | -0.45 | 4.19 |
| Sep 2017 | 805.2550786789508 | -0.34 | 3.54 |
| Oct 2017 | 812.6704766209948 | 0.92 | 4.31 |
| Nov 2017 | 816.7556402403361 | 0.50 | 2.58 |
| Dec 2017 | 820.9728767675127 | 0.52 | 0.01 |
| Jan 2018 | 825.8683600328477 | 0.60 | 0.61 |
| Feb 2018 | 845.6488783284394 | 2.40 | 3.04 |
| Mar 2018 | 855.2722696274942 | 1.14 | 4.16 |
| Apr 2018 | 859.8999632456172 | 0.54 | 5.79 |
| May 2018 | 870.344166825552 | 1.22 | 7.17 |
| Jun 2018 | 871.7145540825992 | 0.16 | 7.99 |
| Jul 2018 | 871.9987744541259 | 0.03 | 7.43 |
| Aug 2018 | 875.0996682111852 | 0.36 | 8.30 |
| Sep 2018 | 881.9179994044973 | 0.78 | 9.52 |
| Oct 2018 | 896.0010242106346 | 1.60 | 10.25 |
| Nov 2018 | 901.3331334214358 | 0.60 | 10.36 |
| Dec 2018 | 889.7728342071433 | -1.28 | 8.38 |
| Jan 2019 | 873.5819094317953 | -1.82 | 5.78 |
| Feb 2019 | 871.8288108844489 | -0.20 | 3.10 |
| Mar 2019 | 869.7998090723261 | -0.23 | 1.70 |
| Apr 2019 | 866.5684543288639 | -0.37 | 0.78 |
| May 2019 | 865.4050326567121 | -0.13 | -0.57 |
| Jun 2019 | 852.548417547394 | -1.49 | -2.20 |
| Jul 2019 | 853.1430579586226 | 0.07 | -2.16 |
| Aug 2019 | 845.7429156656964 | -0.87 | -3.35 |
| Sep 2019 | 845.9558412689895 | 0.03 | -4.08 |
| Oct 2019 | 852.8894162447037 | 0.82 | -4.81 |
| Nov 2019 | 855.7262422074059 | 0.33 | -5.06 |
| Dec 2019 | 859.3041916516079 | 0.42 | -3.42 |
| Jan 2020 | 847.5492621984123 | -1.37 | -2.98 |
| Feb 2020 | 836.6344245028201 | -1.29 | -4.04 |
| Mar 2020 | 834.419976744944 | -0.26 | -4.07 |
| Apr 2020 | 825.2660598462561 | -1.10 | -4.77 |
| May 2020 | 821.013979080516 | -0.51 | -5.13 |
| Jun 2020 | 817.0337692723613 | -0.48 | -4.17 |
| Jul 2020 | 809.6144233865239 | -0.91 | -5.10 |
| Aug 2020 | 808.6354636052254 | -0.12 | -4.39 |
| Sep 2020 | 812.9866023788672 | 0.54 | -3.90 |
| Oct 2020 | 815.9285828606116 | 0.36 | -4.33 |
| Nov 2020 | 817.0401888919328 | 0.14 | -4.52 |
| Dec 2020 | 814.4539652643041 | -0.32 | -5.22 |
| Jan 2021 | 809.0906414298206 | -0.66 | -4.54 |
| Feb 2021 | 815.8874089398655 | 0.84 | -2.48 |
| Mar 2021 | 835.7174621125833 | 2.43 | 0.16 |
| Apr 2021 | 838.66181242022 | 0.35 | 1.62 |
| May 2021 | 838.1890495603031 | -0.06 | 2.09 |
| Jun 2021 | 847.1233266149255 | 1.07 | 3.68 |
| Jul 2021 | 849.1432065472736 | 0.24 | 4.88 |
| Aug 2021 | 854.3466714420841 | 0.61 | 5.65 |
| Sep 2021 | 862.1657334980105 | 0.92 | 6.05 |
| Oct 2021 | 876.423118574254 | 1.65 | 7.41 |
| Nov 2021 | 880.2908945280917 | 0.44 | 7.74 |
| Dec 2021 | 886.2193029124805 | 0.67 | 8.81 |
| Jan 2022 | 902.8222175559034 | 1.87 | 11.59 |
| Feb 2022 | 934.1421968777177 | 3.47 | 14.49 |
| Mar 2022 | 975.7304370365111 | 4.45 | 16.75 |
| Apr 2022 | 1049.6281663614482 | 7.57 | 25.16 |
| May 2022 | 1082.269137944002 | 3.11 | 29.12 |
| Jun 2022 | 1119.0913141068825 | 3.40 | 32.10 |
| Jul 2022 | 1119.3209115406814 | 0.02 | 31.82 |
| Aug 2022 | 1107.4378035167376 | -1.06 | 29.62 |
| Sep 2022 | 1182.732793161958 | 6.80 | 37.18 |
| Oct 2022 | 1253.305559215366 | 5.97 | 43.00 |
| Nov 2022 | 1248.3432721434535 | -0.40 | 41.81 |
| Dec 2022 | 1213.1074199535108 | -2.82 | 36.89 |
| Jan 2023 | 1201.5171767037584 | -0.95 | 33.09 |
| Feb 2023 | 1202.0746187917216 | 0.05 | 28.68 |
| Mar 2023 | 1230.152926520107 | 2.34 | 26.08 |
| Apr 2023 | 1218.872099774245 | -0.92 | 16.12 |
| May 2023 | 1236.2392713747056 | 1.43 | 14.23 |
| Jun 2023 | 1275.622940541727 | 3.19 | 13.99 |
| Jul 2023 | 1299.0930553589542 | 1.84 | 16.06 |
| Aug 2023 | 1328.5047685005002 | 2.26 | 19.96 |
| Sep 2023 | 1343.8761445487196 | 1.16 | 13.63 |
| Oct 2023 | 1386.3646753070054 | 3.16 | 10.62 |
| Nov 2023 | 1371.1576289468865 | -1.10 | 9.84 |
| Dec 2023 | 1313.1076838276404 | -4.23 | 8.24 |
| Jan 2024 | 1293.7939188832152 | -1.47 | 7.68 |
| Feb 2024 | 1310.1793227405096 | 1.27 | 8.99 |
| Mar 2024 | 1323.0431559108706 | 0.98 | 7.55 |
| Apr 2024 | 1351.7256585262064 | 2.17 | 10.90 |
| May 2024 | 1367.3673319829577 | 1.16 | 10.61 |
| Jun 2024 | 1357.80101918414 | -0.70 | 6.44 |
| Jul 2024 | 1352.3444472898939 | -0.40 | 4.10 |
| Aug 2024 | 1319.4903890512928 | -2.43 | -0.68 |
| Sep 2024 | 1295.9285066810266 | -1.79 | -3.57 |
| Oct 2024 | 1322.4406438116266 | 2.05 | -4.61 |
| Nov 2024 | 1365.1814396313262 | 3.23 | -0.44 |
| Dec 2024 | 1366.9011103093992 | 0.13 | 4.10 |
| Jan 2025 | 1401.6193016566126 | 2.54 | 8.33 |
| Feb 2025 | 1398.2197717092663 | -0.24 | 6.72 |
| Mar 2025 | 1383.2511044105502 | -1.07 | 4.55 |
| Apr 2025 | 1392.4763690015805 | 0.67 | 3.02 |
| May 2025 | 1402.0780529581507 | 0.69 | 2.54 |
| Jun 2025 | 1403.1000980066894 | 0.07 | 3.34 |
| Jul 2025 | 1397.3762752312775 | -0.41 | 3.33 |
| Aug 2025 | 1388.8621977065948 | -0.61 | 5.26 |
| Sep 2025 | 1375.680773817981 | -0.95 | 6.15 |
| Oct 2025 | 1368.8571428742498 | -0.50 | 3.51 |
| Nov 2025 | 1370.552081161175 | 0.12 | 0.39 |
| Dec 2025 | 1370.948419598424 | 0.03 | 0.30 |
| Jan 2026 | 1366.1312208659135 | -0.35 | -2.53 |
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