{"level":"city","name":"Sacramento","state":"CA","state_name":"California","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento","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":18442,"avg_assumable_rate":4.38,"avg_balance":350093,"avg_monthly_savings":478,"rate_bands":{"under_3":3449,"3_to_4":7135,"4_to_5":2172,"5_and_over":5686}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"95823","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95823","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95823.json","assumable_homes":1838,"avg_assumable_rate":4.42,"avg_monthly_savings":433,"on_market_coverage":false},{"name":"95838","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95838","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95838.json","assumable_homes":1505,"avg_assumable_rate":4.49,"avg_monthly_savings":401,"on_market_coverage":false},{"name":"95835","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95835","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95835.json","assumable_homes":1219,"avg_assumable_rate":4.22,"avg_monthly_savings":599,"on_market_coverage":false},{"name":"95822","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95822","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95822.json","assumable_homes":1115,"avg_assumable_rate":4.42,"avg_monthly_savings":439,"on_market_coverage":false},{"name":"95833","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95833","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95833.json","assumable_homes":1076,"avg_assumable_rate":4.31,"avg_monthly_savings":482,"on_market_coverage":false},{"name":"95820","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95820","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95820.json","assumable_homes":1024,"avg_assumable_rate":4.44,"avg_monthly_savings":410,"on_market_coverage":false},{"name":"95826","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95826","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95826.json","assumable_homes":975,"avg_assumable_rate":4.36,"avg_monthly_savings":491,"on_market_coverage":false},{"name":"95834","page":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95834","data":"https://www.retrorate.com/assumable-mortgages/california/sacramento/95834.json","assumable_homes":767,"avg_assumable_rate":4.33,"avg_monthly_savings":558,"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"}}