Average Monthly House Payments Now Over $2,000

by toptenrealestatedeals

According to Realtor.com’s most recent data based on FHFA estimates, the average monthly payment on an outstanding house loan hit $2,005 in the fourth quarter of 2025. That is a roughly 44% increase over the last four years, from $1,255 in 2013 to $1,390 in 2021.

Due to loans from the pandemic era, most homeowners are still paying comparatively cheap rates in comparison to the current market. Rates below 3% were found on 19.7% of outstanding mortgages in Q4 2025, a slight decrease from 19.8% in the previous quarter. A bit more than half (50.6%) of all mortgages are at or below 4%.

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