{"level":"city","name":"Stockton","state":"CA","state_name":"California","page":"https://www.retrorate.com/assumable-mortgages/california/stockton","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":12992,"avg_assumable_rate":4.39,"avg_balance":321541,"avg_monthly_savings":437,"rate_bands":{"under_3":2074,"3_to_4":5327,"4_to_5":1859,"5_and_over":3732}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"95206","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95206","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95206.json","assumable_homes":2319,"avg_assumable_rate":4.34,"avg_monthly_savings":427,"on_market_coverage":false},{"name":"95209","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95209","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95209.json","assumable_homes":2124,"avg_assumable_rate":4.33,"avg_monthly_savings":504,"on_market_coverage":false},{"name":"95204","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95204","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95204.json","assumable_homes":1716,"avg_assumable_rate":4.46,"avg_monthly_savings":397,"on_market_coverage":false},{"name":"95207","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95207","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95207.json","assumable_homes":1624,"avg_assumable_rate":4.42,"avg_monthly_savings":436,"on_market_coverage":false},{"name":"95205","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95205","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95205.json","assumable_homes":1204,"avg_assumable_rate":4.5,"avg_monthly_savings":355,"on_market_coverage":false},{"name":"95210","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95210","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95210.json","assumable_homes":1193,"avg_assumable_rate":4.36,"avg_monthly_savings":405,"on_market_coverage":false},{"name":"95219","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95219","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95219.json","assumable_homes":880,"avg_assumable_rate":4.26,"avg_monthly_savings":540,"on_market_coverage":false},{"name":"95212","page":"https://www.retrorate.com/assumable-mortgages/california/stockton/95212","data":"https://www.retrorate.com/assumable-mortgages/california/stockton/95212.json","assumable_homes":769,"avg_assumable_rate":4.36,"avg_monthly_savings":538,"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"}}