{"level":"city","name":"Bakersfield","state":"CA","state_name":"California","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield","parent":{"name":"California","page":"https://www.retrorate.com/assumable-mortgages/california"},"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":22685,"avg_assumable_rate":4.39,"avg_balance":265269,"avg_monthly_savings":361,"rate_bands":{"under_3":3805,"3_to_4":9172,"4_to_5":3137,"5_and_over":6571}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"93306","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93306","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93306.json","assumable_homes":3187,"avg_assumable_rate":4.34,"avg_monthly_savings":346,"on_market_coverage":false},{"name":"93312","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93312","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93312.json","assumable_homes":2665,"avg_assumable_rate":4.28,"avg_monthly_savings":442,"on_market_coverage":false},{"name":"93309","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93309","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93309.json","assumable_homes":2663,"avg_assumable_rate":4.38,"avg_monthly_savings":339,"on_market_coverage":false},{"name":"93313","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93313","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93313.json","assumable_homes":2633,"avg_assumable_rate":4.25,"avg_monthly_savings":394,"on_market_coverage":false},{"name":"93307","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93307","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93307.json","assumable_homes":2411,"avg_assumable_rate":4.53,"avg_monthly_savings":291,"on_market_coverage":false},{"name":"93311","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93311","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93311.json","assumable_homes":2112,"avg_assumable_rate":4.26,"avg_monthly_savings":461,"on_market_coverage":false},{"name":"93304","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93304","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93304.json","assumable_homes":1864,"avg_assumable_rate":4.49,"avg_monthly_savings":279,"on_market_coverage":false},{"name":"93305","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93305","data":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93305.json","assumable_homes":1122,"avg_assumable_rate":4.53,"avg_monthly_savings":276,"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"}}