{"level":"city","name":"Gainesville","state":"FL","state_name":"Florida","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville","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":4154,"avg_assumable_rate":4.53,"avg_balance":217539,"avg_monthly_savings":279,"rate_bands":{"under_3":705,"3_to_4":1489,"4_to_5":510,"5_and_over":1450},"listings_assumable_now":1},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"32608","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32608","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32608.json","assumable_homes":724,"avg_assumable_rate":4.67,"avg_monthly_savings":331,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32605","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32605","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32605.json","assumable_homes":700,"avg_assumable_rate":4.33,"avg_monthly_savings":305,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32606","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32606","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32606.json","assumable_homes":584,"avg_assumable_rate":4.44,"avg_monthly_savings":338,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32609","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32609","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32609.json","assumable_homes":552,"avg_assumable_rate":4.53,"avg_monthly_savings":216,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32653","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32653","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32653.json","assumable_homes":536,"avg_assumable_rate":4.37,"avg_monthly_savings":300,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32641","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32641","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32641.json","assumable_homes":495,"avg_assumable_rate":4.86,"avg_monthly_savings":155,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32607","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32607","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32607.json","assumable_homes":450,"avg_assumable_rate":4.52,"avg_monthly_savings":284,"on_market_coverage":true,"listings_assumable_now":0},{"name":"32601","page":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32601","data":"https://www.retrorate.com/assumable-mortgages/florida/gainesville/32601.json","assumable_homes":108,"avg_assumable_rate":4.55,"avg_monthly_savings":245,"on_market_coverage":true,"listings_assumable_now":1}]},"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"}}