Monthly mortgage payment, median US home priced in Bitcoin: 2015 to 2025

Monthly mortgage payment, median US home (per month) cost $1,103 in 2015 and $2,122 in 2025, a change of +92% in US dollars across 10 years. The figures are annual averages from Derived: FRED MSPUS and MORTGAGE30US. The fiat peak in this series came in 2023 at $2,227.

Priced in sats, the same item went from 404,029,304 sats to 2,079,373 sats, a change of −99%. The conversion uses the yearly average BTC price for each matching year, never a rate from a different era. The least flattering single step for the sats series was 2021 to 2022, when this item moved +158.5% in sats terms. Short windows can and do run against the holder; the direction across the full series is what the chart shows.

American mortgages fix for 30 years, so the 2022 rate shock hit new buyers rather than existing holders. For anyone buying, the monthly payment on the median home nearly doubled in two years.

Housing is where the melting unit hurts the most, because the sums are the largest and the borrowing longest. The main page shows how the whole cost of living behaves when the measuring stick is fixed.