US - Trend of Total Monthly Payments: 5% 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 5% down for all homes in the US in February 2026 was $2,942.238. The month over month percentage change (MoM) was -0.23%, and the year over year percentage change (YoY) was -5.18%.
The chart below shows the trend of the total monthly payments with 5% down for all homes in the US. The table below shows the trend of the total monthly payments with 5% down, and the MoM and YoY percentage changes for all homes in the US.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: US - Zillow House Inventory Topic List
Data Source: Zillow.
US - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
US - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payments ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2015 | 1296.2162312020462 | -1.77 | -1.51 |
| Feb 2015 | 1305.6227548420923 | 0.73 | -0.31 |
| Mar 2015 | 1317.1721844102663 | 0.89 | -0.23 |
| Apr 2015 | 1313.3176812549023 | -0.29 | -0.98 |
| May 2015 | 1336.9944130720655 | 1.80 | 1.36 |
| Jun 2015 | 1358.1284928547082 | 1.58 | 2.68 |
| Jul 2015 | 1371.4605122875791 | 0.98 | 3.45 |
| Aug 2015 | 1363.7408659803837 | -0.56 | 2.62 |
| Sep 2015 | 1369.8470938267567 | 0.45 | 2.36 |
| Oct 2015 | 1368.0121662159986 | -0.13 | 2.98 |
| Nov 2015 | 1390.72548682284 | 1.66 | 4.69 |
| Dec 2015 | 1400.2769680199694 | 0.69 | 6.11 |
| Jan 2016 | 1393.493988755316 | -0.48 | 7.51 |
| Feb 2016 | 1378.4423269603565 | -1.08 | 5.58 |
| Mar 2016 | 1387.7588533729104 | 0.68 | 5.36 |
| Apr 2016 | 1383.468267707596 | -0.31 | 5.34 |
| May 2016 | 1388.1567959600757 | 0.34 | 3.83 |
| Jun 2016 | 1391.0224615019733 | 0.21 | 2.42 |
| Jul 2016 | 1382.112583623079 | -0.64 | 0.78 |
| Aug 2016 | 1386.064190647389 | 0.29 | 1.64 |
| Sep 2016 | 1393.6517076344662 | 0.55 | 1.74 |
| Oct 2016 | 1400.8613214475718 | 0.52 | 2.40 |
| Nov 2016 | 1440.6135650267227 | 2.84 | 3.59 |
| Dec 2016 | 1496.3475164432634 | 3.87 | 6.86 |
| Jan 2017 | 1498.965624803714 | 0.18 | 7.57 |
| Feb 2017 | 1508.871889284594 | 0.66 | 9.46 |
| Mar 2017 | 1520.3119208380015 | 0.76 | 9.55 |
| Apr 2017 | 1511.5247424026172 | -0.58 | 9.26 |
| May 2017 | 1515.2320824399567 | 0.25 | 9.15 |
| Jun 2017 | 1510.1527025385574 | -0.33 | 8.56 |
| Jul 2017 | 1523.8423298273842 | 0.91 | 10.26 |
| Aug 2017 | 1520.0739746484273 | -0.25 | 9.67 |
| Sep 2017 | 1517.981966807319 | -0.14 | 8.92 |
| Oct 2017 | 1536.1765683212398 | 1.20 | 9.66 |
| Nov 2017 | 1547.5826499993518 | 0.74 | 7.43 |
| Dec 2017 | 1559.5162929438666 | 0.77 | 4.22 |
| Jan 2018 | 1571.0373816483561 | 0.74 | 4.81 |
| Feb 2018 | 1615.9696520225593 | 2.86 | 7.10 |
| Mar 2018 | 1640.027314030604 | 1.49 | 7.87 |
| Apr 2018 | 1652.0016044867568 | 0.73 | 9.29 |
| May 2018 | 1675.932070726474 | 1.45 | 10.61 |
| Jun 2018 | 1680.3826395210021 | 0.27 | 11.27 |
| Jul 2018 | 1682.9928748338832 | 0.16 | 10.44 |
| Aug 2018 | 1693.6255438778003 | 0.63 | 11.42 |
| Sep 2018 | 1711.5753350144832 | 1.06 | 12.75 |
| Oct 2018 | 1743.8477007260776 | 1.89 | 13.52 |
| Nov 2018 | 1754.2528403541342 | 0.60 | 13.35 |
| Dec 2018 | 1729.755287503114 | -1.40 | 10.92 |
| Jan 2019 | 1708.0041632668301 | -1.26 | 8.72 |
| Feb 2019 | 1703.5716809600315 | -0.26 | 5.42 |
| Mar 2019 | 1698.0740795209504 | -0.32 | 3.54 |
| Apr 2019 | 1689.3740987367548 | -0.51 | 2.26 |
| May 2019 | 1685.6603913104927 | -0.22 | 0.58 |
| Jun 2019 | 1655.4268690510376 | -1.79 | -1.48 |
| Jul 2019 | 1655.1130520784013 | -0.02 | -1.66 |
| Aug 2019 | 1640.9930016668784 | -0.85 | -3.11 |
| Sep 2019 | 1644.0689518460872 | 0.19 | -3.94 |
| Oct 2019 | 1660.8519893734974 | 1.02 | -4.76 |
| Nov 2019 | 1669.8560336014289 | 0.54 | -4.81 |
| Dec 2019 | 1682.5657845147405 | 0.76 | -2.73 |
| Jan 2020 | 1671.708951464246 | -0.64 | -2.12 |
| Feb 2020 | 1660.7908626842213 | -0.65 | -2.51 |
| Mar 2020 | 1669.0560455595803 | 0.50 | -1.71 |
| Apr 2020 | 1658.951733364178 | -0.60 | -1.80 |
| May 2020 | 1654.4715604489568 | -0.27 | -1.85 |
| Jun 2020 | 1648.4422189133854 | -0.36 | -0.42 |
| Jul 2020 | 1633.949408022267 | -0.88 | -1.28 |
| Aug 2020 | 1633.5068886661743 | -0.03 | -0.46 |
| Sep 2020 | 1644.5811570273438 | 0.68 | 0.03 |
| Oct 2020 | 1657.7604336650109 | 0.80 | -0.19 |
| Nov 2020 | 1671.6781703999613 | 0.84 | 0.11 |
| Dec 2020 | 1683.1950678750472 | 0.69 | 0.04 |
| Jan 2021 | 1690.3929378750327 | 0.43 | 1.12 |
| Feb 2021 | 1722.444112296421 | 1.90 | 3.71 |
| Mar 2021 | 1783.931508544952 | 3.57 | 6.88 |
| Apr 2021 | 1806.1064329059054 | 1.24 | 8.87 |
| May 2021 | 1819.8856047306012 | 0.76 | 10.00 |
| Jun 2021 | 1851.7530174194703 | 1.75 | 12.33 |
| Jul 2021 | 1862.7040922070116 | 0.59 | 14.00 |
| Aug 2021 | 1878.2526265989973 | 0.84 | 14.98 |
| Sep 2021 | 1899.1418382039183 | 1.11 | 15.48 |
| Oct 2021 | 1937.1015155975442 | 2.00 | 16.85 |
| Nov 2021 | 1953.2335105133964 | 0.83 | 16.84 |
| Dec 2021 | 1977.8396404698833 | 1.26 | 17.51 |
| Jan 2022 | 2046.7987686558229 | 3.49 | 21.08 |
| Feb 2022 | 2133.846226125072 | 4.25 | 23.89 |
| Mar 2022 | 2246.351383452955 | 5.27 | 25.92 |
| Apr 2022 | 2439.859681518267 | 8.61 | 35.09 |
| May 2022 | 2527.876402714959 | 3.61 | 38.90 |
| Jun 2022 | 2620.615917835895 | 3.67 | 41.52 |
| Jul 2022 | 2617.0681300075667 | -0.13 | 40.50 |
| Aug 2022 | 2582.870553730286 | -1.31 | 37.52 |
| Sep 2022 | 2759.3564379889076 | 6.83 | 45.30 |
| Oct 2022 | 2920.4488418768465 | 5.84 | 50.76 |
| Nov 2022 | 2893.545262165896 | -0.92 | 48.14 |
| Dec 2022 | 2793.8538526033285 | -3.44 | 41.26 |
| Jan 2023 | 2773.4698860891135 | -0.73 | 35.50 |
| Feb 2023 | 2765.3213334385655 | -0.29 | 29.59 |
| Mar 2023 | 2826.884637039053 | 2.23 | 25.84 |
| Apr 2023 | 2793.7008116484167 | -1.17 | 14.50 |
| May 2023 | 2825.6513591874336 | 1.14 | 11.78 |
| Jun 2023 | 2904.7474829180724 | 2.80 | 10.84 |
| Jul 2023 | 2948.0244064463204 | 1.49 | 12.65 |
| Aug 2023 | 3014.1586845819515 | 2.24 | 16.70 |
| Sep 2023 | 3054.599284336799 | 1.34 | 10.70 |
| Oct 2023 | 3158.9043827686023 | 3.42 | 8.16 |
| Nov 2023 | 3125.823969174882 | -1.05 | 8.03 |
| Dec 2023 | 2990.7583577563937 | -4.32 | 7.05 |
| Jan 2024 | 2959.814139887848 | -1.03 | 6.72 |
| Feb 2024 | 2996.9907867763327 | 1.26 | 8.38 |
| Mar 2024 | 3020.5460190966323 | 0.79 | 6.85 |
| Apr 2024 | 3077.392741130542 | 1.88 | 10.15 |
| May 2024 | 3105.109607640977 | 0.90 | 9.89 |
| Jun 2024 | 3077.5184792262944 | -0.89 | 5.95 |
| Jul 2024 | 3063.324173044789 | -0.46 | 3.91 |
| Aug 2024 | 2987.3376367177957 | -2.48 | -0.89 |
| Sep 2024 | 2927.933227971007 | -1.99 | -4.15 |
| Oct 2024 | 2987.4543798515733 | 2.03 | -5.43 |
| Nov 2024 | 3076.1317000842573 | 2.97 | -1.59 |
| Dec 2024 | 3061.928315174429 | -0.46 | 2.38 |
| Jan 2025 | 3125.2724668753067 | 2.07 | 5.59 |
| Feb 2025 | 3102.9513357126143 | -0.71 | 3.54 |
| Mar 2025 | 3058.2643508288866 | -1.44 | 1.25 |
| Apr 2025 | 3071.21271845626 | 0.42 | -0.20 |
| May 2025 | 3086.614542474382 | 0.50 | -0.60 |
| Jun 2025 | 3082.126850894343 | -0.14 | 0.15 |
| Jul 2025 | 3057.3154941435814 | -0.80 | -0.20 |
| Aug 2025 | 3026.1148649776014 | -1.02 | 1.30 |
| Sep 2025 | 2983.6174253559197 | -1.40 | 1.90 |
| Oct 2025 | 2965.2804302977374 | -0.61 | -0.74 |
| Nov 2025 | 2966.903659149027 | 0.06 | -3.55 |
| Dec 2025 | 2962.564419866065 | -0.15 | -3.24 |
| Jan 2026 | 2948.9710725886607 | -0.46 | -5.64 |
| Feb 2026 | 2942.2376113118635 | -0.23 | -5.18 |
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