{"level":"city","name":"Cutler Bay","state":"FL","state_name":"Florida","page":"https://www.retrorate.com/assumable-mortgages/florida/cutler-bay","parent":{"name":"Florida","page":"https://www.retrorate.com/assumable-mortgages/florida"},"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":"A","on_market":"live listing data: counts include what is for sale"},"figures":{"assumable_homes":2211,"avg_assumable_rate":4.32,"avg_balance":336578,"avg_monthly_savings":471,"rate_bands":{"under_3":456,"3_to_4":845,"4_to_5":303,"5_and_over":608},"listings_assumable_now":43},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[]},"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"}}