Mortgage Payment Index

Estimated monthly mortgage payment on a typical home purchase

$6,367/mo88th percentile
1M: ↓ $61/mo

As of 2026-01-01 · Updated April 17, 2026

What it means

  • Assumes $400k base home price (scaled by Case-Shiller index), 20% down, 30-year fixed rate.
  • The percentile rank is based on inflation-adjusted (real) values, removing the upward bias of nominal dollar amounts over time.
  • The orange line shows what each historical payment would cost in today's dollars, making periods directly comparable.
Data Sources