{"level":"city","name":"Montgomery","state":"AL","state_name":"Alabama","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery","parent":{"name":"Alabama","page":"https://www.retrorate.com/assumable-mortgages/alabama"},"counted_as_of":"2026-10-15","market_rate":{"value":7.3,"label":"average 30-year fixed rate","as_of":"2026-10-16","source":"Optimal Blue Mortgage Market Indices (OBMMI)"},"savings_basis":{"comparison":"the assumable loan against a new loan for the same amount, at the same cash to close","includes":"principal and interest only","remaining_term_years":25,"remaining_term_assumed":true},"coverage":{"tier":"B","on_market":"off-market only: counts cover homes with a mortgage carrying an assumable loan"},"figures":{"assumable_homes":13662,"avg_assumable_rate":4.56,"avg_balance":161061,"avg_monthly_savings":203,"rate_bands":{"under_3":1631,"3_to_4":4141,"4_to_5":3028,"5_and_over":4862}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"36117","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36117","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36117.json","assumable_homes":4904,"avg_assumable_rate":4.42,"avg_monthly_savings":259,"on_market_coverage":false},{"name":"36116","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36116","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36116.json","assumable_homes":2926,"avg_assumable_rate":4.63,"avg_monthly_savings":186,"on_market_coverage":false},{"name":"36109","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36109","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36109.json","assumable_homes":2465,"avg_assumable_rate":4.63,"avg_monthly_savings":164,"on_market_coverage":false},{"name":"36106","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36106","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36106.json","assumable_homes":1110,"avg_assumable_rate":4.55,"avg_monthly_savings":247,"on_market_coverage":false},{"name":"36111","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36111","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36111.json","assumable_homes":939,"avg_assumable_rate":4.53,"avg_monthly_savings":176,"on_market_coverage":false},{"name":"36108","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36108","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36108.json","assumable_homes":383,"avg_assumable_rate":4.79,"avg_monthly_savings":104,"on_market_coverage":false},{"name":"36107","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36107","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36107.json","assumable_homes":313,"avg_assumable_rate":4.91,"avg_monthly_savings":85,"on_market_coverage":false},{"name":"36110","page":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36110","data":"https://www.retrorate.com/assumable-mortgages/alabama/montgomery/36110.json","assumable_homes":275,"avg_assumable_rate":5,"avg_monthly_savings":78,"on_market_coverage":false}]},"terms":{"publisher":"RetroRate (Assumable Technologies Inc.)","source":"RetroRate production data, from public data sources and county records","attribution":"Cite as RetroRate, with a link to the page URL.","contact":"press@retrorate.com","documentation":"https://www.retrorate.com/assumable-mortgages"}}