{"level":"city","name":"Rockford","state":"IL","state_name":"Illinois","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford","parent":{"name":"Illinois","page":"https://www.retrorate.com/assumable-mortgages/illinois"},"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":9193,"avg_assumable_rate":5,"avg_balance":109600,"avg_monthly_savings":111,"rate_bands":{"under_3":603,"3_to_4":2189,"4_to_5":2080,"5_and_over":4321}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"61108","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61108","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61108.json","assumable_homes":1862,"avg_assumable_rate":4.78,"avg_monthly_savings":125,"on_market_coverage":false},{"name":"61107","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61107","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61107.json","assumable_homes":1730,"avg_assumable_rate":4.74,"avg_monthly_savings":153,"on_market_coverage":false},{"name":"61109","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61109","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61109.json","assumable_homes":1370,"avg_assumable_rate":4.9,"avg_monthly_savings":119,"on_market_coverage":false},{"name":"61103","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61103","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61103.json","assumable_homes":1369,"avg_assumable_rate":5.06,"avg_monthly_savings":91,"on_market_coverage":false},{"name":"61101","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61101","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61101.json","assumable_homes":919,"avg_assumable_rate":5.54,"avg_monthly_savings":59,"on_market_coverage":false},{"name":"61104","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61104","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61104.json","assumable_homes":703,"avg_assumable_rate":5.6,"avg_monthly_savings":50,"on_market_coverage":false},{"name":"61114","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61114","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61114.json","assumable_homes":643,"avg_assumable_rate":4.5,"avg_monthly_savings":213,"on_market_coverage":false},{"name":"61102","page":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61102","data":"https://www.retrorate.com/assumable-mortgages/illinois/rockford/61102.json","assumable_homes":598,"avg_assumable_rate":5.48,"avg_monthly_savings":69,"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"}}