How Much Cash Do You Need for a Down Payment in 50 US Cities?

• Average home value: $174,637
• 20% down payment: $34,928
• 15% down payment: $26,196
• 10% down payment: $17,464
• 6% down payment: $10,478

• Average home value: $212,703
• 20% down payment: $42,541
• 15% down payment: $31,906
• 10% down payment: $21,270
• 6% down payment: $12,762

• Average home value: $224,368
• 20% down payment: $44,874
• 15% down payment: $33,655
• 10% down payment: $22,437
• 6% down payment: $13,462

• Average home value: $224,863
• 20% down payment: $44,973
• 15% down payment: $33,730
• 10% down payment: $22,486
• 6% down payment: $13,492

• Average home value: $227,369
• 20% down payment: $45,474
• 15% down payment: $34,105
• 10% down payment: $22,737
• 6% down payment: $13,642

• Average home value: $230,278
• 20% down payment: $46,056
• 15% down payment: $34,542
• 10% down payment: $23,028
• 6% down payment: $13,817

• Average home value: $236,689
• 20% down payment: $47,338
• 15% down payment: $35,503
• 10% down payment: $23,669
• 6% down payment: $14,201

• Average home value: $252,365
• 20% down payment: $50,473
• 15% down payment: $37,855
• 10% down payment: $25,237
• 6% down payment: $15,142

• Average home value: $264,676
• 20% down payment: $52,935
• 15% down payment: $39,701
• 10% down payment: $26,468
• 6% down payment: $15,881

• Average home value: $268,661
• 20% down payment: $53,732
• 15% down payment: $40,299
• 10% down payment: $26,866
• 6% down payment: $16,120

• Average home value: $272,489
• 20% down payment: $54,498
• 15% down payment: $40,873
• 10% down payment: $27,249
• 6% down payment: $16,349

• Average home value: $287,005
• 20% down payment: $57,401
• 15% down payment: $43,051
• 10% down payment: $28,701
• 6% down payment: $17,220

• Average home value: $309,438
• 20% down payment: $61,888
• 15% down payment: $46,416
• 10% down payment: $30,944
• 6% down payment: $18,566

• Average home value: $312,898
• 20% down payment: $62,580
• 15% down payment: $46,935
• 10% down payment: $31,290
• 6% down payment: $18,774

• Average home value: $316,205
• 20% down payment: $63,241
• 15% down payment: $47,431
• 10% down payment: $31,621
• 6% down payment: $18,972

• Average home value: $322,474
• 20% down payment: $64,495
• 15% down payment: $48,371
• 10% down payment: $32,247
• 6% down payment: $19,348

• Average home value: $325,315
• 20% down payment: $65,063
• 15% down payment: $48,797
• 10% down payment: $32,532
• 6% down payment: $19,519

• Average home value: $367,706
• 20% down payment: $73,541
• 15% down payment: $55,156
• 10% down payment: $36,771
• 6% down payment: $22,062

• Average home value: $374,559
• 20% down payment: $74,912
• 15% down payment: $56,184
• 10% down payment: $37,456
• 6% down payment: $22,474

• Average home value: $382,695
• 20% down payment: $76,539
• 15% down payment: $57,404
• 10% down payment: $38,270
• 6% down payment: $22,962

• Average home value: $388,493
• 20% down payment: $77,699
• 15% down payment: $58,274
• 10% down payment: $38,849
• 6% down payment: $23,310

• Average home value: $394,558
• 20% down payment: $78,912
• 15% down payment: $59,184
• 10% down payment: $39,456
• 6% down payment: $23,674

• Average home value: $413,864
• 20% down payment: $82,773
• 15% down payment: $62,080
• 10% down payment: $41,386
• 6% down payment: $24,832

• Average home value: $415,080
• 20% down payment: $83,016
• 15% down payment: $62,262
• 10% down payment: $41,508
• 6% down payment: $24,905

• Average home value: $416,935
• 20% down payment: $83,387
• 15% down payment: $62,540
• 10% down payment: $41,694
• 6% down payment: $25,016

• Average home value: $426,815
• 20% down payment: $85,363
• 15% down payment: $64,022
• 10% down payment: $42,682
• 6% down payment: $25,609

• Average home value: $427,292
• 20% down payment: $85,458
• 15% down payment: $64,094
• 10% down payment: $42,729
• 6% down payment: $25,638

• Average home value: $437,650
• 20% down payment: $87,530
• 15% down payment: $65,647
• 10% down payment: $43,765
• 6% down payment: $26,259

• Average home value: $460,705
• 20% down payment: $92,141
• 15% down payment: $69,106
• 10% down payment: $46,071
• 6% down payment: $27,642

• Average home value: $468,329
• 20% down payment: $93,666
• 15% down payment: $70,249
• 10% down payment: $46,833
• 6% down payment: $28,100

• Average home value: $562,913
• 20% down payment: $112,583
• 15% down payment: $84,437
• 10% down payment: $56,291
• 6% down payment: $33,775

• Average home value: $590,001
• 20% down payment: $118,000
• 15% down payment: $88,500
• 10% down payment: $59,000
• 6% down payment: $35,400

• Average home value: $603,659
• 20% down payment: $120,732
• 15% down payment: $90,549
• 10% down payment: $60,366
• 6% down payment: $36,220

• Average home value: $620,379
• 20% down payment: $124,076
• 15% down payment: $93,057
• 10% down payment: $62,038
• 6% down payment: $37,223

• Average home value: $712,289
• 20% down payment: $142,458
• 15% down payment: $106,843
• 10% down payment: $71,229
• 6% down payment: $42,737

• Average home value: $731,766
• 20% down payment: $146,353
• 15% down payment: $109,765
• 10% down payment: $73,177
• 6% down payment: $43,906

• Average home value: $739,167
• 20% down payment: $147,833
• 15% down payment: $110,875
• 10% down payment: $73,917
• 6% down payment: $44,350

• Average home value: $839,983
• 20% down payment: $167,997
• 15% down payment: $125,998
• 10% down payment: $83,998
• 6% down payment: $50,399

• Average home value: $913,662
• 20% down payment: $182,732
• 15% down payment: $137,049
• 10% down payment: $91,366
• 6% down payment: $54,820

• Average home value: $974,194
• 20% down payment: $194,839
• 15% down payment: $146,129
• 10% down payment: $97,420
• 6% down payment: $58,452

• Average home value: $1,005,482
• 20% down payment: $201,096
• 15% down payment: $150,822
• 10% down payment: $100,548
• 6% down payment: $60,329

• Average home value: $1,399,627
• 20% down payment: $279,926
• 15% down payment: $209,944
• 10% down payment: $139,963
• 6% down payment: $83,978

• Average home value: $1,400,236
• 20% down payment: $280,047
• 15% down payment: $210,035
• 10% down payment: $140,023
• 6% down payment: $84,014

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Methodology: In order to evaluate how much cash you need for a down payment in 50 U.S. cities, GOBankingRates used Zillow’s home value index to source the 50 most populated cities and the median home value index for single-family homes for each city. GOBankingRates then calculated different down payment amounts for each city to show what someone can likely expect when purchasing a single-family home. All information is up-to-date as of May 22, 2023.