{"level":"city","name":"Miami","state":"FL","state_name":"Florida","page":"https://www.retrorate.com/assumable-mortgages/florida/miami","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":21372,"avg_assumable_rate":4.35,"avg_balance":323304,"avg_monthly_savings":447,"rate_bands":{"under_3":4280,"3_to_4":8007,"4_to_5":2921,"5_and_over":6168},"listings_assumable_now":316},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"33142","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33142","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33142.json","assumable_homes":1038,"avg_assumable_rate":4.59,"avg_monthly_savings":375,"on_market_coverage":true,"listings_assumable_now":10},{"name":"33150","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33150","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33150.json","assumable_homes":434,"avg_assumable_rate":4.64,"avg_monthly_savings":372,"on_market_coverage":true,"listings_assumable_now":11},{"name":"33125","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33125","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33125.json","assumable_homes":417,"avg_assumable_rate":4.24,"avg_monthly_savings":481,"on_market_coverage":true,"listings_assumable_now":2},{"name":"33126","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33126","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33126.json","assumable_homes":330,"avg_assumable_rate":4.25,"avg_monthly_savings":466,"on_market_coverage":true,"listings_assumable_now":5},{"name":"33144","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33144","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33144.json","assumable_homes":299,"avg_assumable_rate":4.3,"avg_monthly_savings":545,"on_market_coverage":true,"listings_assumable_now":2},{"name":"33127","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33127","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33127.json","assumable_homes":275,"avg_assumable_rate":4.56,"avg_monthly_savings":391,"on_market_coverage":true,"listings_assumable_now":5},{"name":"33145","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33145","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33145.json","assumable_homes":170,"avg_assumable_rate":4.06,"avg_monthly_savings":569,"on_market_coverage":true,"listings_assumable_now":5},{"name":"33135","page":"https://www.retrorate.com/assumable-mortgages/florida/miami/33135","data":"https://www.retrorate.com/assumable-mortgages/florida/miami/33135.json","assumable_homes":123,"avg_assumable_rate":4.22,"avg_monthly_savings":571,"on_market_coverage":true,"listings_assumable_now":3}]},"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"}}