Here's all the information we have:
The average monthly mortgage payment in US is $ 982 and its standard deviation is $180. The payments are approximately normally distributed.
We want to find the probability of a randomly selectad mortgage payment being less than $1,030 P(m<1030|u=982,o=180)
First, we calculate Z = (1030-982)/180 = +0.27
This z value implies 6,75% of all mortgage payment values are located in the interval [$982,$1030]
Since half (50%) of all values are lower than the average value in a normal distribution, this implies that P(m<1030u=982,o=180) = 50% + 6,75% = 56,75% or 0.5675