{"level":"city","name":"Des Moines","state":"IA","state_name":"Iowa","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines","parent":{"name":"Iowa","page":"https://www.retrorate.com/assumable-mortgages/iowa"},"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":10158,"avg_assumable_rate":4.62,"avg_balance":151030,"avg_monthly_savings":186,"rate_bands":{"under_3":761,"3_to_4":3296,"4_to_5":2461,"5_and_over":3640}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"50317","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50317","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50317.json","assumable_homes":2511,"avg_assumable_rate":4.71,"avg_monthly_savings":177,"on_market_coverage":false},{"name":"50315","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50315","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50315.json","assumable_homes":2186,"avg_assumable_rate":4.57,"avg_monthly_savings":173,"on_market_coverage":false},{"name":"50310","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50310","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50310.json","assumable_homes":1390,"avg_assumable_rate":4.55,"avg_monthly_savings":207,"on_market_coverage":false},{"name":"50313","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50313","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50313.json","assumable_homes":1003,"avg_assumable_rate":4.68,"avg_monthly_savings":165,"on_market_coverage":false},{"name":"50320","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50320","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50320.json","assumable_homes":974,"avg_assumable_rate":4.39,"avg_monthly_savings":251,"on_market_coverage":false},{"name":"50316","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50316","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50316.json","assumable_homes":786,"avg_assumable_rate":4.8,"avg_monthly_savings":135,"on_market_coverage":false},{"name":"50311","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50311","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50311.json","assumable_homes":352,"avg_assumable_rate":4.74,"avg_monthly_savings":182,"on_market_coverage":false},{"name":"50312","page":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50312","data":"https://www.retrorate.com/assumable-mortgages/iowa/des-moines/50312.json","assumable_homes":340,"avg_assumable_rate":4.52,"avg_monthly_savings":220,"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"}}