Charlotte, NC (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 Charlotte, NC Metro in February 2026 was $2,994.675. The month over month percentage change (MoM) was -0.37%, and the year over year percentage change (YoY) was -6.35%.
The chart below shows the trend of the total monthly payments with 5% down for all homes in the Charlotte, NC metro. The table below shows the trend of the the total monthly payments with 5% down, and the MoM and YoY percentage changes for all homes in the Charlotte, NC metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Charlotte, NC (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Charlotte, NC (Metro) - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted
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| Month | Total Monthly Payment ($) | MoM Perc. Change (%) | YoY Perc. Change (%) |
|---|---|---|---|
| Jan 2012 | 901.7287525080861 | NaN | NaN |
| Feb 2012 | 899.9503746513441 | -0.20 | NaN |
| Mar 2012 | 905.8164194783393 | 0.65 | NaN |
| Apr 2012 | 904.4890102793105 | -0.15 | NaN |
| May 2012 | 898.0256105210492 | -0.71 | NaN |
| Jun 2012 | 890.5272262019777 | -0.83 | NaN |
| Jul 2012 | 882.8145399486905 | -0.87 | NaN |
| Aug 2012 | 889.1406847845383 | 0.72 | NaN |
| Sep 2012 | 883.3957216554849 | -0.65 | NaN |
| Oct 2012 | 877.2102726753624 | -0.70 | NaN |
| Nov 2012 | 877.801309861892 | 0.07 | NaN |
| Dec 2012 | 879.9764531366654 | 0.25 | NaN |
| Jan 2013 | 961.318305272581 | 9.24 | 6.61 |
| Feb 2013 | 973.8103553780776 | 1.30 | 8.21 |
| Mar 2013 | 980.2329963557246 | 0.66 | 8.22 |
| Apr 2013 | 975.5165562204226 | -0.48 | 7.85 |
| May 2013 | 989.8050592719272 | 1.47 | 10.22 |
| Jun 2013 | 1042.8765271353839 | 5.36 | 17.11 |
| Jul 2013 | 1077.8426731875597 | 3.35 | 22.09 |
| Aug 2013 | 1093.624540417091 | 1.46 | 23.00 |
| Sep 2013 | 1103.5764841890295 | 0.91 | 24.92 |
| Oct 2013 | 1084.0025551460772 | -1.77 | 23.57 |
| Nov 2013 | 1095.661100151291 | 1.08 | 24.82 |
| Dec 2013 | 1119.8069552525928 | 2.20 | 27.25 |
| Jan 2014 | 1190.380994207921 | 6.30 | 23.83 |
| Feb 2014 | 1185.4031777987097 | -0.42 | 21.73 |
| Mar 2014 | 1195.1578815487537 | 0.82 | 21.93 |
| Apr 2014 | 1200.0112477195057 | 0.41 | 23.01 |
| May 2014 | 1191.6260542724053 | -0.70 | 20.39 |
| Jun 2014 | 1193.3353410408536 | 0.14 | 14.43 |
| Jul 2014 | 1193.8219039634066 | 0.04 | 10.76 |
| Aug 2014 | 1194.5195015247973 | 0.06 | 9.23 |
| Sep 2014 | 1201.0169519544766 | 0.54 | 8.83 |
| Oct 2014 | 1191.3860445203247 | -0.80 | 9.91 |
| Nov 2014 | 1191.521486256896 | 0.01 | 8.75 |
| Dec 2014 | 1184.1148391746447 | -0.62 | 5.74 |
| Jan 2015 | 1160.1506905853107 | -2.02 | -2.54 |
| Feb 2015 | 1169.8800297992725 | 0.84 | -1.31 |
| Mar 2015 | 1181.144790962138 | 0.96 | -1.17 |
| Apr 2015 | 1176.6896145357257 | -0.38 | -1.94 |
| May 2015 | 1197.4848034568327 | 1.77 | 0.49 |
| Jun 2015 | 1216.3149076108675 | 1.57 | 1.93 |
| Jul 2015 | 1229.2397639120168 | 1.06 | 2.97 |
| Aug 2015 | 1223.5076679923568 | -0.47 | 2.43 |
| Sep 2015 | 1230.6479903475188 | 0.58 | 2.47 |
| Oct 2015 | 1231.280528751958 | 0.05 | 3.35 |
| Nov 2015 | 1255.5594317496864 | 1.97 | 5.37 |
| Dec 2015 | 1268.1144175839866 | 1.00 | 7.09 |
| Jan 2016 | 1257.1154857462436 | -0.87 | 8.36 |
| Feb 2016 | 1246.041021990702 | -0.88 | 6.51 |
| Mar 2016 | 1257.460365461624 | 0.92 | 6.46 |
| Apr 2016 | 1255.7693644613005 | -0.13 | 6.72 |
| May 2016 | 1261.7043928695173 | 0.47 | 5.36 |
| Jun 2016 | 1265.933729440608 | 0.34 | 4.08 |
| Jul 2016 | 1259.3752569618798 | -0.52 | 2.45 |
| Aug 2016 | 1265.690048347943 | 0.50 | 3.45 |
| Sep 2016 | 1275.9326191783175 | 0.81 | 3.68 |
| Oct 2016 | 1285.9019378967055 | 0.78 | 4.44 |
| Nov 2016 | 1326.3587007181577 | 3.15 | 5.64 |
| Dec 2016 | 1381.7125729677678 | 4.17 | 8.96 |
| Jan 2017 | 1376.8236746351356 | -0.35 | 9.52 |
| Feb 2017 | 1386.672942109423 | 0.72 | 11.29 |
| Mar 2017 | 1397.6385801260758 | 0.79 | 11.15 |
| Apr 2017 | 1389.8962541914743 | -0.55 | 10.68 |
| May 2017 | 1394.6725553693072 | 0.34 | 10.54 |
| Jun 2017 | 1391.2169566800112 | -0.25 | 9.90 |
| Jul 2017 | 1405.8673446613543 | 1.05 | 11.63 |
| Aug 2017 | 1404.7341644630228 | -0.08 | 10.99 |
| Sep 2017 | 1405.1323559397688 | 0.03 | 10.13 |
| Oct 2017 | 1425.0952249118607 | 1.42 | 10.83 |
| Nov 2017 | 1439.2406740094812 | 0.99 | 8.51 |
| Dec 2017 | 1453.9991767731124 | 1.02 | 5.23 |
| Jan 2018 | 1471.050484981556 | 1.17 | 6.84 |
| Feb 2018 | 1517.3544231781661 | 3.15 | 9.42 |
| Mar 2018 | 1542.569220360133 | 1.66 | 10.37 |
| Apr 2018 | 1554.625371780668 | 0.78 | 11.85 |
| May 2018 | 1577.3966107870845 | 1.47 | 13.10 |
| Jun 2018 | 1581.979308061846 | 0.29 | 13.71 |
| Jul 2018 | 1584.6022720632798 | 0.17 | 12.71 |
| Aug 2018 | 1595.692914473209 | 0.70 | 13.59 |
| Sep 2018 | 1614.6063308286768 | 1.19 | 14.91 |
| Oct 2018 | 1648.1686282253352 | 2.08 | 15.65 |
| Nov 2018 | 1660.6739273815567 | 0.76 | 15.39 |
| Dec 2018 | 1638.2789068373258 | -1.35 | 12.67 |
| Jan 2019 | 1634.3641352463035 | -0.24 | 11.10 |
| Feb 2019 | 1630.3252745043342 | -0.25 | 7.45 |
| Mar 2019 | 1624.708689874527 | -0.34 | 5.33 |
| Apr 2019 | 1615.9725180497453 | -0.54 | 3.95 |
| May 2019 | 1613.8058060601172 | -0.13 | 2.31 |
| Jun 2019 | 1585.5280623083327 | -1.75 | 0.22 |
| Jul 2019 | 1586.5877182333268 | 0.07 | 0.13 |
| Aug 2019 | 1573.6798312790968 | -0.81 | -1.38 |
| Sep 2019 | 1577.8362844440048 | 0.26 | -2.28 |
| Oct 2019 | 1595.1833684626988 | 1.10 | -3.21 |
| Nov 2019 | 1604.650120443399 | 0.59 | -3.37 |
| Dec 2019 | 1617.833874623202 | 0.82 | -1.25 |
| Jan 2020 | 1600.1397066655834 | -1.09 | -2.09 |
| Feb 2020 | 1589.678856914901 | -0.65 | -2.49 |
| Mar 2020 | 1598.7197283998394 | 0.57 | -1.60 |
| Apr 2020 | 1590.0944451809191 | -0.54 | -1.60 |
| May 2020 | 1587.2773997276727 | -0.18 | -1.64 |
| Jun 2020 | 1583.574057663394 | -0.23 | -0.12 |
| Jul 2020 | 1572.4105323888614 | -0.70 | -0.89 |
| Aug 2020 | 1575.665756134762 | 0.21 | 0.13 |
| Sep 2020 | 1589.774509992551 | 0.90 | 0.76 |
| Oct 2020 | 1606.0616291166075 | 1.02 | 0.68 |
| Nov 2020 | 1622.8874275928486 | 1.05 | 1.14 |
| Dec 2020 | 1637.9738569877081 | 0.93 | 1.25 |
| Jan 2021 | 1640.0489595740369 | 0.13 | 2.49 |
| Feb 2021 | 1676.0907986275197 | 2.20 | 5.44 |
| Mar 2021 | 1742.1648430381758 | 3.94 | 8.97 |
| Apr 2021 | 1768.5722475083558 | 1.52 | 11.22 |
| May 2021 | 1786.4855160912643 | 1.01 | 12.55 |
| Jun 2021 | 1823.9907804594675 | 2.10 | 15.18 |
| Jul 2021 | 1842.6317106408742 | 1.02 | 17.18 |
| Aug 2021 | 1868.9668964732978 | 1.43 | 18.61 |
| Sep 2021 | 1903.774185950546 | 1.86 | 19.75 |
| Oct 2021 | 1956.3904146416771 | 2.76 | 21.81 |
| Nov 2021 | 1986.1535807865139 | 1.52 | 22.38 |
| Dec 2021 | 2022.9517935594122 | 1.85 | 23.50 |
| Jan 2022 | 2088.308548369359 | 3.23 | 27.33 |
| Feb 2022 | 2187.4564901499425 | 4.75 | 30.51 |
| Mar 2022 | 2313.069851911546 | 5.74 | 32.77 |
| Apr 2022 | 2527.8143042249785 | 9.28 | 42.93 |
| May 2022 | 2631.7505089624615 | 4.11 | 47.31 |
| Jun 2022 | 2742.6736577504325 | 4.22 | 50.37 |
| Jul 2022 | 2748.0356931963183 | 0.20 | 49.14 |
| Aug 2022 | 2716.0453741113233 | -1.16 | 45.32 |
| Sep 2022 | 2910.0668300299785 | 7.14 | 52.86 |
| Oct 2022 | 3084.2891573495654 | 5.99 | 57.65 |
| Nov 2022 | 3050.694738186989 | -1.09 | 53.60 |
| Dec 2022 | 2935.0576361726376 | -3.79 | 45.09 |
| Jan 2023 | 2924.864573834716 | -0.35 | 40.06 |
| Feb 2023 | 2905.608282463446 | -0.66 | 32.83 |
| Mar 2023 | 2962.6000498174258 | 1.96 | 28.08 |
| Apr 2023 | 2917.7798318913647 | -1.51 | 15.43 |
| May 2023 | 2943.821402317591 | 0.89 | 11.86 |
| Jun 2023 | 3024.0289345307015 | 2.73 | 10.26 |
| Jul 2023 | 3070.191325677051 | 1.53 | 11.72 |
| Aug 2023 | 3144.871813645776 | 2.43 | 15.79 |
| Sep 2023 | 3193.1222086445596 | 1.53 | 9.73 |
| Oct 2023 | 3310.8707343792144 | 3.69 | 7.35 |
| Nov 2023 | 3280.026620932964 | -0.93 | 7.52 |
| Dec 2023 | 3136.1609007639718 | -4.39 | 6.85 |
| Jan 2024 | 3097.926792311135 | -1.22 | 5.92 |
| Feb 2024 | 3138.6634848623066 | 1.32 | 8.02 |
| Mar 2024 | 3166.317156648988 | 0.88 | 6.88 |
| Apr 2024 | 3227.773433787145 | 1.94 | 10.62 |
| May 2024 | 3257.9905101495287 | 0.94 | 10.67 |
| Jun 2024 | 3225.8350019580394 | -0.99 | 6.67 |
| Jul 2024 | 3207.4930967183127 | -0.57 | 4.47 |
| Aug 2024 | 3119.613301436356 | -2.74 | -0.80 |
| Sep 2024 | 3048.4583882518036 | -2.28 | -4.53 |
| Oct 2024 | 3107.6994913521125 | 1.94 | -6.14 |
| Nov 2024 | 3199.6961701878718 | 2.96 | -2.45 |
| Dec 2024 | 3179.9855008338404 | -0.62 | 1.40 |
| Jan 2025 | 3224.4565901150263 | 1.40 | 4.08 |
| Feb 2025 | 3197.8650355374857 | -0.82 | 1.89 |
| Mar 2025 | 3149.6134592846183 | -1.51 | -0.53 |
| Apr 2025 | 3161.9215342009966 | 0.39 | -2.04 |
| May 2025 | 3177.4308246626156 | 0.49 | -2.47 |
| Jun 2025 | 3170.4138773536406 | -0.22 | -1.72 |
| Jul 2025 | 3141.8239012036415 | -0.90 | -2.05 |
| Aug 2025 | 3106.9821206450943 | -1.11 | -0.40 |
| Sep 2025 | 3058.995832029227 | -1.54 | 0.35 |
| Oct 2025 | 3037.594311651965 | -0.70 | -2.26 |
| Nov 2025 | 3035.5690429566102 | -0.07 | -5.13 |
| Dec 2025 | 3024.865727375144 | -0.35 | -4.88 |
| Jan 2026 | 3005.66548635043 | -0.63 | -6.78 |
| Feb 2026 | 2994.6749201954535 | -0.37 | -6.35 |
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