Why your 'fixed' mortgage payment keeps going up
Homeowners with fixed-rate mortgages may experience rising monthly payments due to increases in escrow costs. Escrow accounts, which cover homeowners insurance and property taxes, are projected to be short for about 65% of homeowners this year. The average shortage is estimated at $2,157, with some states seeing increases as high as 77%.
- ▪Fixed-rate mortgages do not guarantee stable monthly payments due to escrow costs.
- ▪About 65% of escrow accounts are projected to be short this year.
- ▪Escrow costs have increased by roughly 45% since 2019, with some states experiencing even higher jumps.
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| Original publisher | CNBC — Personal Finance |
| Canonical URL | https://www.cnbc.com/2026/05/17/mortgage-escrow-shortages.html |
| Publication time | Sun, 17 May 2026 13:30:01 GMT |
| Retrieval time | 2026-05-17T13:32:13.122Z |
| Last seen | 2026-05-17T13:32:13.122Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | Ak0dthPF--eC |
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| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
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| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
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| Commercial reuse | May the content be reused commercially? | Not permitted |
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Opening excerpt (first ~120 words) tap to expand
As many homebuyers discover, getting a fixed-rate mortgage doesn't necessarily mean your monthly payment will remain the same.For many homeowners, in addition to principal and interest payments each month, their mortgage payment includes amounts that go into an escrow account. That account then pays out homeowners insurance premiums and property taxes, as well as mortgage insurance if the borrower is required to carry it. This year, about 65% of escrow accounts are projected to be short because of recent jumps in those costs, according to Cotality, a property data and analytics firm. The estimated average shortage is $2,157.While it's not uncommon for escrow costs to be adjusted up or down each year, they have increased by roughly 45% since 2019, according to Cotality.
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Excerpt limited to ~120 words for fair-use compliance. The full article is at CNBC — Personal Finance.
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