How Prices Are Shifting Month to Month in America's 50 Largest Housing Markets
Housing costs are indeed going up in the nation’s 50 largest housing markets; listing prices in 48 out of 50 markets were higher in March than in February. But the silver lining is it’s cheaper to buy a home now than it was a year ago in most of these markets.
Key findings from a new MoneyLion analysis indicate there are 27 markets where homes cost less to buy in March 2026 when compared to March 2025.
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In this study, MoneyLion sourced the March 2026, February 2026 and March 2025 median listing prices for single-family residences in America’s 50 largest housing markets. Mortgage interest rates were then sourced -- 6.46% in April 2026, 6% in March 2026 and 6.62% in April 2025 -- for a 30-year fixed rate mortgage. A 20% down payment was also factored in.
Key Findings
Portland, Oregon, and Memphis, Tennessee, are the only two major housing markets where median home listing prices were cheaper in March 2026 than in February 2026. Homes in Portland cost $1,667 less and in Memphis they are a stunning $5,000 less month over month.
Listing prices didn’t change in three markets in March and February 2026: Tampa ($419,750), Salt Lake City ($566,633) and Nashville ($519,667).
The four California housing markets – San Jose, Los Angeles, San Francisco and San Diego – boasting listing prices of more than $1 million. San Francisco experienced the biggest jump ($67,666) from February to March 2026, followed by San Jose ($50,333), Los Angeles ($4,967) and San Diego ($3,334).
Homeowners in six California housing markets pay less for monthly mortgage payments in 2026 than they did in 2025. Monthly mortgage payments are more than $200 cheaper in three markets: Los Angeles ($299), San Diego ($239) and San Jose ($210).
Home listings are now cheaper in 27 markets than they were one year ago. The 10 markets with the greatest YoY listing declines are San Diego (-$28,999), Austin (-$24,967), Washington, D.C. (-$22,367), Memphis (-$21,942), Salt Lake City (-$19,955), Miami (-$18,633), Portland (-$18,033), Phoenix (-$17,704), Houston (-$16,700) and New Orleans (-$15,834).
Here’s how home prices and mortgages are shifting month to month in the nation’s 50 larging housing markets, ranked by biggest change in mortgage payments month over month.
1. San Francisco
1-month % change in mortgage payment: 11.7%
March 2026 median list price: $1,131,666
20% down payment: $226,333
Monthly mortgage payment: $5,699
February 2026 median list price: $1,064,000
20% down payment: $212,800
Monthly mortgage payment: $5,103
March 2025 median list price: $1,117,833
20% down payment: $223,567
Monthly mortgage payment: $5,723
2. Seattle
1-month % change in mortgage payment: 8.6%
March 2026 median list price: $799,317
20% down payment: $159,863
Monthly mortgage payment: $4,025
February 2026 median list price: $772,667
20% down payment: $154,533
Monthly mortgage payment: $3,706
March 2025 median list price: $784,600
20% down payment: $156,920
Monthly mortgage payment: $4,017
3. San Jose, California
1-month % change in mortgage payment: 8.4%
March 2026 median list price: $1,609,633
20% down payment: $321,927
Monthly mortgage payment: $8,105
February 2026 median list price: $1,559,300
20% down payment: $311,860
Monthly mortgage payment: $7,479
March 2025 median list price: $1,624,000
20% down payment: $324,800
Monthly mortgage payment: $8,315
4. Boston
1-month % change in mortgage payment: 8.3%
March 2026 median list price: $814,967
20% down payment: $162,993
Monthly mortgage payment: $4,104
February 2026 median list price: $789,967
20% down payment: $157,993
Monthly mortgage payment: $3,789
March 2025 median list price: $815,600
20% down payment: $163,120
Monthly mortgage payment: $4,176
5. Buffalo, New York
1-month % change in mortgage payment: 8%
March 2026 median list price: $236,600
20% down payment: $47,320
Monthly mortgage payment: $1,191
February 2026 median list price: $229,933
20% down payment: $45,987
Monthly mortgage payment: $1,103
March 2025 median list price: $243,233
20% down payment: $48,647
Monthly mortgage payment: $1,245
6. Kansas City, Missouri
1-month % change in mortgage payment: 7.9%
March 2026 median list price: $313,333
20% down payment: $62,667
Monthly mortgage payment: $1,578
February 2026 median list price: $305,000
20% down payment: $61,000
Monthly mortgage payment: $1,463
March 2025 median list price: $303,333
20% down payment: $60,667
Monthly mortgage payment: $1,553
7. Chicago
1-month % change in mortgage payment: 7.8%
March 2026 median list price: $354,000
20% down payment: $70,800
Monthly mortgage payment: $1,783
February 2026 median list price: $344,664
20% down payment: $68,933
Monthly mortgage payment: $1,653
March 2025 median list price: $342,867
20% down payment: $68,573
Monthly mortgage payment: $1,755
8. Richmond, Virginia
1-month % change in mortgage payment: 7.7%
March 2026 median list price: $398,967
20% down payment: $79,793
Monthly mortgage payment: $2,009
February 2026 median list price: $388,967
20% down payment: $77,793
Monthly mortgage payment: $1,866
March 2025 median list price: $384,833
20% down payment: $76,967
Monthly mortgage payment: $1,970
9. Hartford, Connecticut
1-month % change in mortgage payment: 7.6%
March 2026 median list price: $413,266
20% down payment: $82,653
Monthly mortgage payment: $2,081
February 2026 median list price: $403,233
20% down payment: $80,647
Monthly mortgage payment: $1,934
March 2025 median list price: $388,267
20% down payment: $77,653
Monthly mortgage payment: $1,988
10. Washington, D.C.
1-month % change in mortgage payment: 7.4%
March 2026 median list price: $602,633
20% down payment: $120,527
Monthly mortgage payment: $3,035
February 2026 median list price: $589,300
20% down payment: $117,860
Monthly mortgage payment: $2,827
March 2025 median list price: $625,000
20% down payment: $125,000
Monthly mortgage payment: $3,200
11. Cincinnati
1-month % change in mortgage payment: 7.3%
March 2026 median list price: $309,933
20% down payment: $61,987
Monthly mortgage payment: $1,561
February 2026 median list price: $303,300
20% down payment: $60,660
Monthly mortgage payment: $1,455
March 2025 median list price: $288,000
20% down payment: $57,600
Monthly mortgage payment: $1,475
12. Minneapolis
1-month % change in mortgage payment: 7.3%
March 2026 median list price: $388,267
20% down payment: $77,653
Monthly mortgage payment: $1,955
February 2026 median list price: $379,967
20% down payment: $75,993
Monthly mortgage payment: $1,822
March 2025 median list price: $391,667
20% down payment: $78,333
Monthly mortgage payment: $2,005
13. Denver
1-month % change in mortgage payment: 6.7%
March 2026 median list price: $620,000
20% down payment: $124,000
Monthly mortgage payment: $3,122
February 2026 median list price: $610,000
20% down payment: $122,000
Monthly mortgage payment: $2,926
March 2025 median list price: $625,667
20% down payment: $125,133
Monthly mortgage payment: $3,203
14. Baltimore
1-month % change in mortgage payment: 6.6%
March 2026 median list price: $362,650
20% down payment: $72,530
Monthly mortgage payment: $1,826
February 2026 median list price: $357,317
20% down payment: $71,463
Monthly mortgage payment: $1,714
March 2025 median list price: $352,800
20% down payment: $70,560
Monthly mortgage payment: $1,806
15. Philadelphia
1-month % change in mortgage payment: 6.5%
March 2026 median list price: $349,450
20% down payment: $69,890
Monthly mortgage payment: $1,760
February 2026 median list price: $344,483
20% down payment: $68,897
Monthly mortgage payment: $1,652
March 2025 median list price: $339,967
20% down payment: $67,993
Monthly mortgage payment: $1,741
16. Pittsburgh
1-month % change in mortgage payment: 6.5%
March 2026 median list price: $234,667
20% down payment: $46,933
Monthly mortgage payment: $1,182
February 2026 median list price: $231,333
20% down payment: $46,267
Monthly mortgage payment: $1,110
March 2025 median list price: $228,333
20% down payment: $45,667
Monthly mortgage payment: $1,169
17. Cleveland
1-month % change in mortgage payment: 6.4%
March 2026 median list price: $243,267
20% down payment: $48,653
Monthly mortgage payment: $1,225
February 2026 median list price: $239,966
20% down payment: $47,993
Monthly mortgage payment: $1,151
March 2025 median list price: $235,417
20% down payment: $47,083
Monthly mortgage payment: $1,205
18. Birmingham, Alabama
1-month % change in mortgage payment: 6.2%
March 2026 median list price: $292,333
20% down payment: $58,467
Monthly mortgage payment: $1,472
February 2026 median list price: $289,000
20% down payment: $57,800
Monthly mortgage payment: $1,386
March 2025 median list price: $288,463
20% down payment: $57,693
Monthly mortgage payment: $1,477
19. Raleigh, North Carolina
1-month % change in mortgage payment: 6.2%
March 2026 median list price: $441,933
20% down payment: $88,387
Monthly mortgage payment: $2,225
February 2026 median list price: $436,967
20% down payment: $87,393
Monthly mortgage payment: $2,096
March 2025 median list price: $449,267
20% down payment: $89,853
Monthly mortgage payment: $2,300
20. Austin, Texas
1-month % change in mortgage payment: 6.2%
March 2026 median list price: $485,000
20% down payment: $97,000
Monthly mortgage payment: $2,442
February 2026 median list price: $479,667
20% down payment: $95,933
Monthly mortgage payment: $2,301
March 2025 median list price: $509,967
20% down payment: $101,993
Monthly mortgage payment: $2,611
21. Virginia Beach, Virginia
1-month % change in mortgage payment: 6.1%
March 2026 median list price: $374,817
20% down payment: $74,963
Monthly mortgage payment: $1,887
February 2026 median list price: $370,900
20% down payment: $74,180
Monthly mortgage payment: $1,779
March 2025 median list price: $354,967
20% down payment: $70,993
Monthly mortgage payment: $1,817
22. Indianapolis
1-month % change in mortgage payment: 6%
March 2026 median list price: $302,922
20% down payment: $60,584
Monthly mortgage payment: $1,525
February 2026 median list price: $299,900
20% down payment: $59,980
Monthly mortgage payment: $1,438
March 2025 median list price: $295,000
20% down payment: $59,000
Monthly mortgage payment: $1,510
23. Milwaukee
1-month % change in mortgage payment: 6%
March 2026 median list price: $340,383
20% down payment: $68,077
Monthly mortgage payment: $1,714
February 2026 median list price: $337,050
20% down payment: $67,410
Monthly mortgage payment: $1,617
March 2025 median list price: $329,300
20% down payment: $65,860
Monthly mortgage payment: $1,686
24. Columbus, Ohio
1-month % change in mortgage payment: 6%
March 2026 median list price: $352,966
20% down payment: $70,593
Monthly mortgage payment: $1,777
February 2026 median list price: $349,633
20% down payment: $69,927
Monthly mortgage payment: $1,677
March 2025 median list price: $339,846
20% down payment: $67,969
Monthly mortgage payment: $1,740
25. Atlanta
1-month % change in mortgage payment: 6%
March 2026 median list price: $402,967
20% down payment: $80,593
Monthly mortgage payment: $2,029
February 2026 median list price: $399,300
20% down payment: $79,860
Monthly mortgage payment: $1,915
March 2025 median list price: $391,500
20% down payment: $78,300
Monthly mortgage payment: $2,004
26. Riverside, California
1-month % change in mortgage payment: 5.9%
March 2026 median list price: $607,997
20% down payment: $121,599
Monthly mortgage payment: $3,062
February 2026 median list price: $602,663
20% down payment: $120,533
Monthly mortgage payment: $2,891
March 2025 median list price: $618,167
20% down payment: $123,633
Monthly mortgage payment: $3,165
27. Charlotte, North Carolina
1-month % change in mortgage payment: 5.9%
March 2026 median list price: $425,967
20% down payment: $85,193
Monthly mortgage payment: $2,145
February 2026 median list price: $422,300
20% down payment: $84,460
Monthly mortgage payment: $2,026
March 2025 median list price: $416,633
20% down payment: $83,327
Monthly mortgage payment: $2,133
28. Jacksonville, Florida
1-month % change in mortgage payment: 5.9%
March 2026 median list price: $394,383
20% down payment: $78,877
Monthly mortgage payment: $1,986
February 2026 median list price: $391,083
20% down payment: $78,217
Monthly mortgage payment: $1,876
March 2025 median list price: $402,960
20% down payment: $80,592
Monthly mortgage payment: $2,063
29. Detroit
1-month % change in mortgage payment: 5.8%
March 2026 median list price: $223,267
20% down payment: $44,653
Monthly mortgage payment: $1,124
February 2026 median list price: $221,600
20% down payment: $44,320
Monthly mortgage payment: $1,063
March 2025 median list price: $224,967
20% down payment: $44,993
Monthly mortgage payment: $1,152
30. Sacramento, California
1-month % change in mortgage payment: 5.8%
March 2026 median list price: $629,167
20% down payment: $125,833
Monthly mortgage payment: $3,168
February 2026 median list price: $624,498
20% down payment: $124,900
Monthly mortgage payment: $2,995
March 2025 median list price: $632,967
20% down payment: $126,593
Monthly mortgage payment: $3,241
31. New Orleans
1-month % change in mortgage payment: 5.7%
March 2026 median list price: $304,833
20% down payment: $60,967
Monthly mortgage payment: $1,535
February 2026 median list price: $302,667
20% down payment: $60,533
Monthly mortgage payment: $1,452
March 2025 median list price: $320,667
20% down payment: $64,133
Monthly mortgage payment: $1,642
32. New York City
1-month % change in mortgage payment: 5.7%
March 2026 median list price: $773,333
20% down payment: $154,667
Monthly mortgage payment: $3,894
February 2026 median list price: $768,000
20% down payment: $153,600
Monthly mortgage payment: $3,684
March 2025 median list price: $761,663
20% down payment: $152,333
Monthly mortgage payment: $3,900
33. St. Louis
1-month % change in mortgage payment: 5.7%
March 2026 median list price: $251,633
20% down payment: $50,327
Monthly mortgage payment: $1,267
February 2026 median list price: $249,967
20% down payment: $49,993
Monthly mortgage payment: $1,199
March 2025 median list price: $241,300
20% down payment: $48,260
Monthly mortgage payment: $1,235
34. San Antonio
1-month % change in mortgage payment: 5.5%
March 2026 median list price: $327,967
20% down payment: $65,593
Monthly mortgage payment: $1,651
February 2026 median list price: $326,533
20% down payment: $326,533
Monthly mortgage payment: $1,566
March 2025 median list price: $334,000
20% down payment: $66,800
Monthly mortgage payment: $1,710
35. Los Angeles
1-month % change in mortgage payment: 5.7%
March 2026 median list price: $1,194,300
20% down payment: $238,860
Monthly mortgage payment: $6,014
February 2026 median list price: $1,189,333
20% down payment: $237,867
Monthly mortgage payment: $5,705
March 2025 median list price: $1,233,000
20% down payment: $246,600
Monthly mortgage payment: $6,313
36. Dallas
1-month % change in mortgage payment: 5.4%
March 2026 median list price: $418,738
20% down payment: $83,748
Monthly mortgage payment: $2,109
February 2026 median list price: $417,038
20% down payment: $83,408
Monthly mortgage payment: $2,000
March 2025 median list price: $421,333
20% down payment: $84,267
Monthly mortgage payment: $2,157
37. Phoenix
1-month % change in mortgage payment: 5.4%
March 2026 median list price: $499,963
20% down payment: $99,993
Monthly mortgage payment: $2,518
February 2026 median list price: $498,146
20% down payment: $99,629
Monthly mortgage payment: $2,389
March 2025 median list price: $517,667
20% down payment: $103,533
Monthly mortgage payment: $2,650
38. San Diego
1-month % change in mortgage payment: 5.3%
March 2026 median list price: $1,070,667
20% down payment: $214,133
Monthly mortgage payment: $5,391
February 2026 median list price: $1,067,333
20% down payment: $213,467
Monthly mortgage payment: $5,119
March 2025 median list price: $1,099,666
20% down payment: $219,933
Monthly mortgage payment: $5,630
39. Providence, Rhode Island
1-month % change in mortgage payment: 5.3%
March 2026 median list price: $539,300
20% down payment: $107,860
Monthly mortgage payment: $2,716
February 2026 median list price: $537,650
20% down payment: $107,530
Monthly mortgage payment: $2,579
March 2025 median list price: $506,296
20% down payment: $101,259
Monthly mortgage payment: $2,592
40. Las Vegas
1-month % change in mortgage payment: 5.3%
March 2026 median list price: $497,667
20% down payment: $99,533
Monthly mortgage payment: $2,506
February 2026 median list price: $496,333
20% down payment: $99,267
Monthly mortgage payment: $2,381
March 2025 median list price: $499,283
20% down payment: $99,857
Monthly mortgage payment: $2,556
41. Miami
1-month % change in mortgage payment: 5.3%
March 2026 median list price: $631,333
20% down payment: $126,267
Monthly mortgage payment: $3,179
February 2026 median list price: $629,666
20% down payment: $125,933
Monthly mortgage payment: $3,020
March 2025 median list price: $649,966
20% down payment: $129,993
Monthly mortgage payment: $3,328
42. Oklahoma City
1-month % change in mortgage payment: 5.2%
March 2026 median list price: $305,563
20% down payment: $61,113
Monthly mortgage payment: $1,539
February 2026 median list price: $304,998
20% down payment: $61,000
Monthly mortgage payment: $1,463
March 2025 median list price: $301,967
20% down payment: $60,393
Monthly mortgage payment: $1,546
43. Orlando, Florida
1-month % change in mortgage payment: 5.1%
March 2026 median list price: $449,133
20% down payment: $89,827
Monthly mortgage payment: $2,262
February 2026 median list price: $448,833
20% down payment: $89,767
Monthly mortgage payment: $2,153
March 2025 median list price: $451,667
20% down payment: $90,333
Monthly mortgage payment: $2,312
44. Louisville, Kentucky
1-month % change in mortgage payment: 5%
March 2026 median list price: $299,628
20% down payment: $59,926
Monthly mortgage payment: $1,509
February 2026 median list price: $299,595
20% down payment: $59,919
Monthly mortgage payment: $1,437
March 2025 median list price: $304,333
20% down payment: $60,867
Monthly mortgage payment: $1,558
45. Houston
1-month % change in mortgage payment: 5%
March 2026 median list price: $348,300
20% down payment: $69,660
Monthly mortgage payment: $1,754
February 2026 median list price: $348,267
20% down payment: $69,653
Monthly mortgage payment: $1,670
March 2025 median list price: $365,000
20% down payment: $73,000
Monthly mortgage payment: $1,869
46. Tampa, Florida
1-month % change in mortgage payment: 5%
March 2026 median list price: $419,750
20% down payment: $83,950
Monthly mortgage payment: $2,114
February 2026 median list price: $419,750
20% down payment: $83,950
Monthly mortgage payment: $2,013
March 2025 median list price: $419,967
20% down payment: $83,993
Monthly mortgage payment: $2,150
47. Salt Lake City
1-month % change in mortgage payment: 5%
March 2026 median list price: $566,633
20% down payment: $113,327
Monthly mortgage payment: $2,853
February 2026 median list price: $566,633
20% down payment: $113,327
Monthly mortgage payment: $2,718
March 2025 median list price: $586,588
20% down payment: $117,318
Monthly mortgage payment: $3,003
48. Nashville, Tennessee
1-month % change in mortgage payment: 5%
March 2026 median list price: $519,667
20% down payment: $103,933
Monthly mortgage payment: $2,617
February 2026 median list price: $519,667
20% down payment: $103,933
Monthly mortgage payment: $2,493
March 2025 median list price: $511,600
20% down payment: $102,320
Monthly mortgage payment: $2,619
49. Portland, Oregon
1-month % change in mortgage payment: 5%
March 2026 median list price: $584,933
20% down payment: $116,987
Monthly mortgage payment: $2,945
February 2026 median list price: $586,600
20% down payment: $117,320
Monthly mortgage payment: $2,814
March 2025 median list price: $602,966
20% down payment: $120,593
Monthly mortgage payment: $3,087
50. Memphis, Tennessee
1-month % change in mortgage payment: 3.1%
March 2026 median list price: $276,333
20% down payment: $55,267
Monthly mortgage payment: $1,391
February 2026 median list price: $281,333
20% down payment: $56,267
Monthly mortgage payment: $1,349
March 2025 median list price: $298,275
20% down payment: $59,655
Monthly mortgage payment: $1,527
Methodology: For this piece MoneyLion first sourced the March 2026, February 2026, and March 2025 median list price for a single-family residence in each of the 50 largest housing markets (by metro) according to Zillow’s March 2026 data. With these figures, MoneyLion then sourced the most recent (6.46% as of April 2, 2026), a month ago (6.00% as of March 5, 2026) and a year ago (6.62% as of April 10, 2025) mortgage rates for a 30-year fixed rate mortgage as sourced from Freddie Mac. With these figures all sorted, MoneyLion was able to determine how much a house cost over the periods covered. Mortgages were calculated assuming a 30-year fixed rate and no HOA, PMI or property taxes included. All data was collected and is up to date as of April 21, 2026.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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