P
Pulsafi

Average Monthly Mortgage Payment (2026)

$2,387
Average monthly mortgage payment, principal & interest
Summary

The average monthly mortgage payment for a US borrower is approximately $2,387 (principal and interest only) in 2026. Adding property taxes, insurance, and HOA brings the typical PITI to around $3,180. The monthly figure varies by state — California averages $3,800, while West Virginia is closer to $1,200.

Breakdown

Average P&I (national)$2,387
Average PITI (national)$3,180
California average PITI~$4,400
Texas average PITI~$2,950
West Virginia average PITI~$1,200
Source
Federal Reserve Bank of St. Louis (FRED)· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.