{"level":"zip","name":"93313","zip":"93313","city":"Bakersfield","state":"CA","state_name":"California","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield/93313","parent":{"name":"Bakersfield","page":"https://www.retrorate.com/assumable-mortgages/california/bakersfield"},"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":2633,"avg_assumable_rate":4.25,"avg_balance":274094,"avg_monthly_savings":394,"rate_bands":{"under_3":484,"3_to_4":1121,"4_to_5":385,"5_and_over":643}},"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"}}