{"level":"city","name":"San Diego","state":"CA","state_name":"California","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego","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":20807,"avg_assumable_rate":4.02,"avg_balance":552693,"avg_monthly_savings":866,"rate_bands":{"under_3":5637,"3_to_4":8671,"4_to_5":1950,"5_and_over":4549}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"92154","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92154","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92154.json","assumable_homes":2651,"avg_assumable_rate":4.19,"avg_monthly_savings":781,"on_market_coverage":false},{"name":"92114","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92114","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92114.json","assumable_homes":2448,"avg_assumable_rate":4.09,"avg_monthly_savings":770,"on_market_coverage":false},{"name":"92139","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92139","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92139.json","assumable_homes":1403,"avg_assumable_rate":4.1,"avg_monthly_savings":720,"on_market_coverage":false},{"name":"92115","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92115","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92115.json","assumable_homes":1048,"avg_assumable_rate":4.17,"avg_monthly_savings":769,"on_market_coverage":false},{"name":"92101","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92101","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92101.json","assumable_homes":868,"avg_assumable_rate":4.12,"avg_monthly_savings":785,"on_market_coverage":false},{"name":"92126","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92126","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92126.json","assumable_homes":834,"avg_assumable_rate":3.85,"avg_monthly_savings":868,"on_market_coverage":false},{"name":"92128","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92128","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92128.json","assumable_homes":828,"avg_assumable_rate":3.84,"avg_monthly_savings":924,"on_market_coverage":false},{"name":"92105","page":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92105","data":"https://www.retrorate.com/assumable-mortgages/california/san-diego/92105.json","assumable_homes":786,"avg_assumable_rate":4.28,"avg_monthly_savings":690,"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"}}