{"level":"city","name":"Phoenix","state":"AZ","state_name":"Arizona","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix","parent":{"name":"Arizona","page":"https://www.retrorate.com/assumable-mortgages/arizona"},"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":41094,"avg_assumable_rate":4.5,"avg_balance":286287,"avg_monthly_savings":371,"rate_bands":{"under_3":6861,"3_to_4":13501,"4_to_5":5486,"5_and_over":15246}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"85339","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85339","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85339.json","assumable_homes":4265,"avg_assumable_rate":4.9,"avg_monthly_savings":363,"on_market_coverage":false},{"name":"85353","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85353","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85353.json","assumable_homes":4254,"avg_assumable_rate":5.12,"avg_monthly_savings":299,"on_market_coverage":false},{"name":"85041","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85041","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85041.json","assumable_homes":3409,"avg_assumable_rate":4.62,"avg_monthly_savings":340,"on_market_coverage":false},{"name":"85037","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85037","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85037.json","assumable_homes":2995,"avg_assumable_rate":4.72,"avg_monthly_savings":323,"on_market_coverage":false},{"name":"85043","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85043","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85043.json","assumable_homes":2359,"avg_assumable_rate":4.39,"avg_monthly_savings":363,"on_market_coverage":false},{"name":"85033","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85033","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85033.json","assumable_homes":2254,"avg_assumable_rate":4.55,"avg_monthly_savings":294,"on_market_coverage":false},{"name":"85051","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85051","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85051.json","assumable_homes":1967,"avg_assumable_rate":4.6,"avg_monthly_savings":311,"on_market_coverage":false},{"name":"85029","page":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85029","data":"https://www.retrorate.com/assumable-mortgages/arizona/phoenix/85029.json","assumable_homes":1902,"avg_assumable_rate":4.62,"avg_monthly_savings":334,"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"}}