Bay City, MI (Metro) - 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 Bay City, MI Metro in February 2026 was $1,534.494. The month over month percentage change (MoM) was 0.33%, and the year over year percentage change (YoY) was 0.95%.

The chart below shows the trend of the total monthly payments with 5% down for all homes in the Bay City, MI metro. The table below shows the trend of the the total monthly payments with 5% down, and the MoM and YoY percentage changes for all homes in the Bay City, MI 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.
Bay City, MI (Metro) - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Bay City, MI (Metro) - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
1 – 10 of 170
Month Total Monthly Payment ($) MoM Perc. Change (%) YoY Perc. Change (%)
Jan 2012 675.8903785489933 NaN NaN
Feb 2012 674.9900653303998 -0.13 NaN
Mar 2012 677.8244442633345 0.42 NaN
Apr 2012 676.8969134066494 -0.14 NaN
May 2012 672.0298225900654 -0.72 NaN
Jun 2012 667.0159679994778 -0.75 NaN
Jul 2012 662.0675584172077 -0.74 NaN
Aug 2012 666.2773241918924 0.64 NaN
Sep 2012 666.6141430839374 0.05 NaN
Oct 2012 667.6212115627945 0.15 NaN
Nov 2012 670.4740727558731 0.43 NaN
Dec 2012 673.4545685220543 0.45 NaN
Jan 2013 678.2625492681477 0.71 0.35
Feb 2013 686.6957860321756 1.24 1.73
Mar 2013 693.0901551165855 0.93 2.25
Apr 2013 692.644636051579 -0.06 2.33
May 2013 699.7161526306202 1.02 4.12
Jun 2013 725.7236941447514 3.72 8.80
Jul 2013 742.5561239791239 2.32 12.16
Aug 2013 750.6424598402461 1.09 12.66
Sep 2013 754.0621185637815 0.46 13.12
Oct 2013 741.3707097243887 -1.68 11.05
Nov 2013 743.9813237448586 0.35 10.96
Dec 2013 755.6021323562658 1.56 12.20
Jan 2014 757.1077805350014 0.20 11.63
Feb 2014 755.5593874709111 -0.20 10.03
Mar 2014 760.5191827766407 0.66 9.73
Apr 2014 764.4600572628883 0.52 10.37
May 2014 763.0664153366565 -0.18 9.05
Jun 2014 767.9987884527673 0.65 5.83
Jul 2014 770.4759924685376 0.32 3.76
Aug 2014 770.0097926861642 -0.06 2.58
Sep 2014 769.1735540614422 -0.11 2.00
Oct 2014 756.2825306391275 -1.68 2.01
Nov 2014 749.5918690432738 -0.88 0.75
Dec 2014 739.9345243447553 -1.29 -2.07
Jan 2015 703.0597944549834 -4.98 -7.14
Feb 2015 703.5134348839183 0.07 -6.89
Mar 2015 706.9320347678497 0.49 -7.05
Apr 2015 704.2509303507757 -0.38 -7.88
May 2015 717.1964844616325 1.84 -6.01
Jun 2015 729.661021158296 1.74 -4.99
Jul 2015 739.7593107026105 1.38 -3.99
Aug 2015 738.1224592560435 -0.22 -4.14
Sep 2015 740.2065510386126 0.28 -3.77
Oct 2015 737.485843651699 -0.37 -2.48
Nov 2015 744.3328901560006 0.93 -0.70
Dec 2015 747.3029128233155 0.40 1.00
Jan 2016 742.2337983737382 -0.68 5.57
Feb 2016 735.8174259144994 -0.86 4.59
Mar 2016 737.8174258944152 0.27 4.37
Apr 2016 733.7392599621955 -0.55 4.19
May 2016 735.2379426086306 0.20 2.52
Jun 2016 737.1630198561828 0.26 1.03
Jul 2016 731.9261768705228 -0.71 -1.06
Aug 2016 731.5843338886534 -0.05 -0.89
Sep 2016 732.5615113334765 0.13 -1.03
Oct 2016 733.6474247407913 0.15 -0.52
Nov 2016 747.3616368757931 1.87 0.41
Dec 2016 767.6945340139362 2.72 2.73
Jan 2017 760.9818757830076 -0.87 2.53
Feb 2017 762.4899853136478 0.20 3.63
Mar 2017 765.3462453299703 0.38 3.73
Apr 2017 758.8370444614591 -0.85 3.42
May 2017 759.4769543391059 0.08 3.30
Jun 2017 758.2360092226745 -0.16 2.86
Jul 2017 766.06657840201 1.03 4.66
Aug 2017 765.5686614306534 -0.06 4.64
Sep 2017 764.6195255892087 -0.12 4.38
Oct 2017 773.1768132117337 1.12 5.39
Nov 2017 779.3930073841622 0.80 4.29
Dec 2017 784.8669887111236 0.70 2.24
Jan 2018 787.9642855688217 0.40 3.55
Feb 2018 805.3970825595735 2.21 5.63
Mar 2018 815.5165256870337 1.26 6.56
Apr 2018 820.0728091663311 0.56 8.07
May 2018 830.0726463982946 1.22 9.30
Jun 2018 830.0309367057607 0.00 9.47
Jul 2018 828.2821901801955 -0.21 8.12
Aug 2018 829.1200041385254 0.10 8.30
Sep 2018 832.8600684005987 0.45 8.93
Oct 2018 843.2160180150365 1.24 9.06
Nov 2018 847.2176230075676 0.48 8.70
Dec 2018 836.9173677530994 -1.22 6.63
Jan 2019 792.2715389910713 -5.33 0.55
Feb 2019 792.7383908991872 0.06 -1.57
Mar 2019 797.0312605335739 0.54 -2.27
Apr 2019 801.9017608934439 0.61 -2.22
May 2019 807.8931399334406 0.75 -2.67
Jun 2019 799.8339132387835 -1.00 -3.64
Jul 2019 802.9145001037186 0.39 -3.06
Aug 2019 799.2678791260181 -0.45 -3.60
Sep 2019 804.1385296654603 0.61 -3.45
Oct 2019 815.7876426541202 1.45 -3.25
Nov 2019 823.9594386192848 1.00 -2.74
Dec 2019 832.4452699602643 1.03 -0.53
Jan 2020 841.3017801168706 1.06 6.19
Feb 2020 836.8799621667563 -0.53 5.57
Mar 2020 839.9373917697555 0.37 5.38
Apr 2020 838.1182843541153 -0.22 4.52
May 2020 838.7826493613948 0.08 3.82
Jun 2020 838.8439099858078 0.01 4.88
Jul 2020 831.8762480273049 -0.83 3.61
Aug 2020 832.4933888192063 0.07 4.16
Sep 2020 838.6811319523338 0.74 4.30
Oct 2020 845.0548348912655 0.76 3.59
Nov 2020 849.0426989905776 0.47 3.04
Dec 2020 849.6156865249166 0.07 2.06
Jan 2021 830.5588529810319 -2.24 -1.28
Feb 2021 842.0278696230747 1.38 0.62
Mar 2021 868.5276367213679 3.15 3.40
Apr 2021 876.0431485199506 0.87 4.53
May 2021 879.3023522521344 0.37 4.83
Jun 2021 891.8795816532285 1.43 6.32
Jul 2021 896.5584191153491 0.53 7.78
Aug 2021 902.6654858389968 0.68 8.43
Sep 2021 908.3975831703005 0.64 8.31
Oct 2021 920.0192071293029 1.28 8.87
Nov 2021 922.4560927046829 0.27 8.65
Dec 2021 928.1791652742795 0.62 9.25
Jan 2022 956.7770981376375 3.08 15.20
Feb 2022 991.6196308010086 3.64 17.77
Mar 2022 1035.0788307837802 4.38 19.18
Apr 2022 1109.3678617869723 7.18 26.63
May 2022 1136.9389145840569 2.49 29.30
Jun 2022 1170.4809772524006 2.95 31.24
Jul 2022 1166.1309142156438 -0.37 30.07
Aug 2022 1150.5584248772834 -1.33 27.46
Sep 2022 1221.977399817235 6.21 34.52
Oct 2022 1290.376088735537 5.60 40.26
Nov 2022 1283.09081129674 -0.56 39.10
Dec 2022 1249.1178853917463 -2.65 34.58
Jan 2023 1239.9978560234892 -0.73 29.60
Feb 2023 1244.4052489623193 0.36 25.49
Mar 2023 1275.920541360352 2.53 23.27
Apr 2023 1264.9851524892752 -0.86 14.03
May 2023 1285.0969542707294 1.59 13.03
Jun 2023 1325.8583856053617 3.17 13.28
Jul 2023 1350.263380159378 1.84 15.79
Aug 2023 1384.4136498800635 2.53 20.33
Sep 2023 1408.208648549192 1.72 15.24
Oct 2023 1461.8861468019759 3.81 13.29
Nov 2023 1455.5275638380444 -0.43 13.44
Dec 2023 1401.8584986599185 -3.69 12.23
Jan 2024 1404.5867177872844 0.20 13.27
Feb 2024 1426.749625686325 1.58 14.65
Mar 2024 1446.8638036404373 1.41 13.40
Apr 2024 1483.978688455275 2.57 17.31
May 2024 1502.8705275688374 1.27 16.95
Jun 2024 1493.4480453576803 -0.63 12.64
Jul 2024 1485.8076970820355 -0.51 10.04
Aug 2024 1450.1655988937734 -2.40 4.75
Sep 2024 1424.865941744781 -1.74 1.18
Oct 2024 1455.9576968793358 2.18 -0.41
Nov 2024 1500.8544605424704 3.08 3.11
Dec 2024 1498.5949493252351 -0.15 6.90
Jan 2025 1527.6331889541245 1.94 8.76
Feb 2025 1520.0363933169237 -0.50 6.54
Mar 2025 1501.805448734101 -1.20 3.80
Apr 2025 1511.8744709264172 0.67 1.88
May 2025 1525.4529095724804 0.90 1.50
Jun 2025 1532.205296956451 0.44 2.60
Jul 2025 1531.1785402274613 -0.07 3.05
Aug 2025 1524.608126469817 -0.43 5.13
Sep 2025 1513.3587599545726 -0.74 6.21
Oct 2025 1509.9451896079165 -0.23 3.71
Nov 2025 1518.3893075127191 0.56 1.17
Dec 2025 1526.174723975886 0.51 1.84
Jan 2026 1529.4557838435194 0.22 0.12
Feb 2026 1534.49364345755 0.33 0.95