Modesto, CA (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 Modesto, CA Metro in February 2026 was $3,636.185. The month over month percentage change (MoM) was -0.35%, and the year over year percentage change (YoY) was -6.50%.
The chart below shows the trend of the total monthly payments with 5% down for all homes in the Modesto, CA metro. The table below shows the trend of the the total monthly payments with 5% down, and the MoM and YoY percentage changes for all homes in the Modesto, CA metro.
You can see similar information for other US metros, and for the United States.
Note: The Total Monthly Payment value is an estimate of the total monthly payment on a new home purchase with current interest rates. The total monthly payment includes the mortgage payment, homeowner’s insurance, property taxes, and maintenance costs worth 0.5% of the home’s value. The home value is estimated using smoothed and seasonally adjusted ZHVI. If the down payment is less than 20%, the monthly mortgage payment includes 1% mortgage insurance. Homeowners insurance rates and property tax rate estimates vary by region.
Related Topics: Modesto, CA (Metro) - Zillow House Inventory Topic List
Data Source: Zillow.
Modesto, CA (Metro) - Trend of Total Monthly Payments: 5% Down - All Homes - Smoothed and Seasonally Adjusted ($)
Modesto, CA (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 | 943.724054415952 | NaN | NaN |
| Feb 2012 | 943.0674172469646 | -0.07 | NaN |
| Mar 2012 | 949.3173055683147 | 0.66 | NaN |
| Apr 2012 | 947.4271794686806 | -0.20 | NaN |
| May 2012 | 941.7928579242758 | -0.59 | NaN |
| Jun 2012 | 938.0115067587981 | -0.40 | NaN |
| Jul 2012 | 935.760812665884 | -0.24 | NaN |
| Aug 2012 | 947.4950328369176 | 1.25 | NaN |
| Sep 2012 | 948.5161495954229 | 0.11 | NaN |
| Oct 2012 | 948.9290326038647 | 0.04 | NaN |
| Nov 2012 | 957.3460712347146 | 0.89 | NaN |
| Dec 2012 | 970.9721005657364 | 1.42 | NaN |
| Jan 2013 | 992.9099460407108 | 2.26 | 5.21 |
| Feb 2013 | 1018.9482075923054 | 2.62 | 8.05 |
| Mar 2013 | 1038.7187060895894 | 1.94 | 9.42 |
| Apr 2013 | 1049.15177011062 | 1.00 | 10.74 |
| May 2013 | 1081.8862154642748 | 3.12 | 14.88 |
| Jun 2013 | 1157.593663544048 | 7.00 | 23.41 |
| Jul 2013 | 1214.9166686721096 | 4.95 | 29.83 |
| Aug 2013 | 1254.645770198049 | 3.27 | 32.42 |
| Sep 2013 | 1289.8437609018483 | 2.81 | 35.99 |
| Oct 2013 | 1291.6323419109083 | 0.14 | 36.12 |
| Nov 2013 | 1327.1301491169124 | 2.75 | 38.63 |
| Dec 2013 | 1373.497697990751 | 3.49 | 41.46 |
| Jan 2014 | 1392.0645352197553 | 1.35 | 40.20 |
| Feb 2014 | 1397.481927874955 | 0.39 | 37.15 |
| Mar 2014 | 1423.3168260895386 | 1.85 | 37.03 |
| Apr 2014 | 1443.8762430747802 | 1.44 | 37.62 |
| May 2014 | 1446.4780016983862 | 0.18 | 33.70 |
| Jun 2014 | 1458.7184162777821 | 0.85 | 26.01 |
| Jul 2014 | 1469.4280954164105 | 0.73 | 20.95 |
| Aug 2014 | 1479.7738006361615 | 0.70 | 17.94 |
| Sep 2014 | 1498.0094447643755 | 1.23 | 16.14 |
| Oct 2014 | 1493.014799889289 | -0.33 | 15.59 |
| Nov 2014 | 1501.5309307656216 | 0.57 | 13.14 |
| Dec 2014 | 1497.3124630041705 | -0.28 | 9.02 |
| Jan 2015 | 1468.491129739561 | -1.92 | 5.49 |
| Feb 2015 | 1481.6283145741047 | 0.90 | 6.02 |
| Mar 2015 | 1497.385157035184 | 1.06 | 5.20 |
| Apr 2015 | 1494.955614592263 | -0.16 | 3.54 |
| May 2015 | 1525.8791947137056 | 2.07 | 5.49 |
| Jun 2015 | 1552.8525122225055 | 1.77 | 6.45 |
| Jul 2015 | 1572.1581812257818 | 1.24 | 6.99 |
| Aug 2015 | 1568.0501650628146 | -0.26 | 5.97 |
| Sep 2015 | 1582.0217655893375 | 0.89 | 5.61 |
| Oct 2015 | 1584.252557298224 | 0.14 | 6.11 |
| Nov 2015 | 1618.9103434519036 | 2.19 | 7.82 |
| Dec 2015 | 1638.4469463206945 | 1.21 | 9.43 |
| Jan 2016 | 1646.1912996798328 | 0.47 | 12.10 |
| Feb 2016 | 1633.4731266009185 | -0.77 | 10.25 |
| Mar 2016 | 1649.572402873459 | 0.99 | 10.16 |
| Apr 2016 | 1646.4976688309248 | -0.19 | 10.14 |
| May 2016 | 1651.970325983295 | 0.33 | 8.26 |
| Jun 2016 | 1656.0133537900385 | 0.25 | 6.64 |
| Jul 2016 | 1648.576782169609 | -0.45 | 4.86 |
| Aug 2016 | 1657.5122850583596 | 0.54 | 5.71 |
| Sep 2016 | 1669.722503637487 | 0.74 | 5.54 |
| Oct 2016 | 1679.928090081965 | 0.61 | 6.04 |
| Nov 2016 | 1735.2903190676468 | 3.30 | 7.19 |
| Dec 2016 | 1812.842706080512 | 4.47 | 10.64 |
| Jan 2017 | 1815.1494161555117 | 0.13 | 10.26 |
| Feb 2017 | 1832.4169689130022 | 0.95 | 12.18 |
| Mar 2017 | 1851.2707509856343 | 1.03 | 12.23 |
| Apr 2017 | 1842.2467428773462 | -0.49 | 11.89 |
| May 2017 | 1845.387481050655 | 0.17 | 11.71 |
| Jun 2017 | 1836.552879383468 | -0.48 | 10.90 |
| Jul 2017 | 1853.9853779616806 | 0.95 | 12.46 |
| Aug 2017 | 1851.723013449376 | -0.12 | 11.72 |
| Sep 2017 | 1853.326527580225 | 0.09 | 11.00 |
| Oct 2017 | 1882.7923929295782 | 1.59 | 12.08 |
| Nov 2017 | 1904.6796627725505 | 1.16 | 9.76 |
| Dec 2017 | 1928.5818093830508 | 1.25 | 6.38 |
| Jan 2018 | 1956.0745922826216 | 1.43 | 7.76 |
| Feb 2018 | 2024.7663381587558 | 3.51 | 10.50 |
| Mar 2018 | 2062.144489496398 | 1.85 | 11.39 |
| Apr 2018 | 2080.4229789336814 | 0.89 | 12.93 |
| May 2018 | 2114.5733055579417 | 1.64 | 14.59 |
| Jun 2018 | 2122.6439101915394 | 0.38 | 15.58 |
| Jul 2018 | 2125.6206613030827 | 0.14 | 14.65 |
| Aug 2018 | 2136.3006363967593 | 0.50 | 15.37 |
| Sep 2018 | 2156.6130676493567 | 0.95 | 16.36 |
| Oct 2018 | 2199.6545998961824 | 2.00 | 16.83 |
| Nov 2018 | 2212.62359643083 | 0.59 | 16.17 |
| Dec 2018 | 2179.686141433354 | -1.49 | 13.02 |
| Jan 2019 | 2159.6497618941726 | -0.92 | 10.41 |
| Feb 2019 | 2153.8235291596893 | -0.27 | 6.37 |
| Mar 2019 | 2147.1500103838507 | -0.31 | 4.12 |
| Apr 2019 | 2134.323459070496 | -0.60 | 2.59 |
| May 2019 | 2127.366194435278 | -0.33 | 0.61 |
| Jun 2019 | 2082.8931571114085 | -2.09 | -1.87 |
| Jul 2019 | 2082.2615744911845 | -0.03 | -2.04 |
| Aug 2019 | 2065.3893215011453 | -0.81 | -3.32 |
| Sep 2019 | 2073.40689989404 | 0.39 | -3.86 |
| Oct 2019 | 2097.502733908973 | 1.16 | -4.64 |
| Nov 2019 | 2111.198196374721 | 0.65 | -4.58 |
| Dec 2019 | 2128.6978648520944 | 0.83 | -2.34 |
| Jan 2020 | 2117.8467839851583 | -0.51 | -1.94 |
| Feb 2020 | 2100.9887928277626 | -0.80 | -2.45 |
| Mar 2020 | 2111.609152938179 | 0.51 | -1.65 |
| Apr 2020 | 2099.27051385193 | -0.58 | -1.64 |
| May 2020 | 2095.0730321316264 | -0.20 | -1.52 |
| Jun 2020 | 2087.365253635395 | -0.37 | 0.22 |
| Jul 2020 | 2067.0511143293757 | -0.97 | -0.73 |
| Aug 2020 | 2064.645337668258 | -0.12 | -0.04 |
| Sep 2020 | 2078.4785792377147 | 0.67 | 0.25 |
| Oct 2020 | 2097.808161469685 | 0.93 | 0.02 |
| Nov 2020 | 2121.6189910611624 | 1.14 | 0.49 |
| Dec 2020 | 2145.593208770157 | 1.13 | 0.79 |
| Jan 2021 | 2165.8304177400646 | 0.94 | 2.27 |
| Feb 2021 | 2220.684634156342 | 2.53 | 5.70 |
| Mar 2021 | 2313.20883066302 | 4.17 | 9.55 |
| Apr 2021 | 2349.0523310592826 | 1.55 | 11.90 |
| May 2021 | 2368.5258838562604 | 0.83 | 13.05 |
| Jun 2021 | 2410.9622451390815 | 1.79 | 15.50 |
| Jul 2021 | 2423.636117424498 | 0.53 | 17.25 |
| Aug 2021 | 2441.8953746967395 | 0.75 | 18.27 |
| Sep 2021 | 2466.8242220772704 | 1.02 | 18.68 |
| Oct 2021 | 2513.3683995256883 | 1.89 | 19.81 |
| Nov 2021 | 2531.55011553202 | 0.72 | 19.32 |
| Dec 2021 | 2562.785869137843 | 1.23 | 19.44 |
| Jan 2022 | 2672.309636339127 | 4.27 | 23.39 |
| Feb 2022 | 2793.9373346572634 | 4.55 | 25.81 |
| Mar 2022 | 2950.5053549641207 | 5.60 | 27.55 |
| Apr 2022 | 3213.5983614444285 | 8.92 | 36.80 |
| May 2022 | 3322.819529036551 | 3.40 | 40.29 |
| Jun 2022 | 3432.3687809754933 | 3.30 | 42.37 |
| Jul 2022 | 3412.5522245828606 | -0.58 | 40.80 |
| Aug 2022 | 3347.733230962896 | -1.90 | 37.10 |
| Sep 2022 | 3561.406257835514 | 6.38 | 44.37 |
| Oct 2022 | 3744.8365270419267 | 5.15 | 49.00 |
| Nov 2022 | 3675.1502405100478 | -1.86 | 45.17 |
| Dec 2022 | 3514.9865641501183 | -4.36 | 37.16 |
| Jan 2023 | 3472.831317020342 | -1.20 | 29.96 |
| Feb 2023 | 3440.329997301674 | -0.94 | 23.14 |
| Mar 2023 | 3504.038937163062 | 1.85 | 18.76 |
| Apr 2023 | 3452.629655196613 | -1.47 | 7.44 |
| May 2023 | 3489.457298371126 | 1.07 | 5.01 |
| Jun 2023 | 3587.054980491629 | 2.80 | 4.51 |
| Jul 2023 | 3646.38152608105 | 1.65 | 6.85 |
| Aug 2023 | 3738.9631451926916 | 2.54 | 11.69 |
| Sep 2023 | 3800.618978961774 | 1.65 | 6.72 |
| Oct 2023 | 3942.7235905417797 | 3.74 | 5.28 |
| Nov 2023 | 3905.102509725885 | -0.95 | 6.26 |
| Dec 2023 | 3735.742996620659 | -4.34 | 6.28 |
| Jan 2024 | 3694.386101947386 | -1.11 | 6.38 |
| Feb 2024 | 3744.819907863805 | 1.37 | 8.85 |
| Mar 2024 | 3778.0643733561296 | 0.89 | 7.82 |
| Apr 2024 | 3852.0457542490117 | 1.96 | 11.57 |
| May 2024 | 3891.049151282684 | 1.01 | 11.51 |
| Jun 2024 | 3856.6143662226905 | -0.88 | 7.52 |
| Jul 2024 | 3841.9059048234694 | -0.38 | 5.36 |
| Aug 2024 | 3744.814128445048 | -2.53 | 0.16 |
| Sep 2024 | 3664.4583388400356 | -2.15 | -3.58 |
| Oct 2024 | 3737.7150285392772 | 2.00 | -5.20 |
| Nov 2024 | 3853.970130231535 | 3.11 | -1.31 |
| Dec 2024 | 3836.6408059059163 | -0.45 | 2.70 |
| Jan 2025 | 3925.066419572456 | 2.31 | 6.24 |
| Feb 2025 | 3888.9644578011776 | -0.92 | 3.85 |
| Mar 2025 | 3825.3095331359286 | -1.64 | 1.25 |
| Apr 2025 | 3843.092411215578 | 0.47 | -0.23 |
| May 2025 | 3868.3940250520236 | 0.66 | -0.58 |
| Jun 2025 | 3863.974626167517 | -0.11 | 0.19 |
| Jul 2025 | 3825.493185416559 | -1.00 | -0.43 |
| Aug 2025 | 3774.0941789291583 | -1.34 | 0.78 |
| Sep 2025 | 3706.2905576386843 | -1.80 | 1.14 |
| Oct 2025 | 3676.6132873588035 | -0.80 | -1.63 |
| Nov 2025 | 3675.8723644537463 | -0.02 | -4.62 |
| Dec 2025 | 3668.602354284757 | -0.20 | -4.38 |
| Jan 2026 | 3649.0563649633327 | -0.53 | -7.03 |
| Feb 2026 | 3636.185211838225 | -0.35 | -6.50 |
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