{"level":"state","name":"Kentucky","state":"KY","page":"https://www.retrorate.com/assumable-mortgages/kentucky","parent":{"name":"United States","page":"https://www.retrorate.com/assumable-mortgages"},"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":136656,"avg_assumable_rate":4.76,"avg_balance":188554,"avg_monthly_savings":217,"rate_bands":{"under_3":14304,"3_to_4":36572,"4_to_5":25814,"5_and_over":59966}},"markets":[{"name":"Louisville","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville.json","assumable_homes":30287,"avg_assumable_rate":4.66,"avg_monthly_savings":212,"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"}}