{"level":"city","name":"Louisville","state":"KY","state_name":"Kentucky","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville","parent":{"name":"Kentucky","page":"https://www.retrorate.com/assumable-mortgages/kentucky"},"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":30287,"avg_assumable_rate":4.66,"avg_balance":175909,"avg_monthly_savings":212,"rate_bands":{"under_3":2568,"3_to_4":9374,"4_to_5":6745,"5_and_over":11600}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"40215","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40215","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40215.json","assumable_homes":1251,"avg_assumable_rate":5,"avg_monthly_savings":109,"on_market_coverage":false},{"name":"40211","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40211","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40211.json","assumable_homes":931,"avg_assumable_rate":5.05,"avg_monthly_savings":108,"on_market_coverage":false},{"name":"40213","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40213","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40213.json","assumable_homes":810,"avg_assumable_rate":4.74,"avg_monthly_savings":157,"on_market_coverage":false},{"name":"40212","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40212","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40212.json","assumable_homes":523,"avg_assumable_rate":5.18,"avg_monthly_savings":90,"on_market_coverage":false},{"name":"40217","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40217","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40217.json","assumable_homes":521,"avg_assumable_rate":4.63,"avg_monthly_savings":197,"on_market_coverage":false},{"name":"40205","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40205","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40205.json","assumable_homes":490,"avg_assumable_rate":4.5,"avg_monthly_savings":315,"on_market_coverage":false},{"name":"40206","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40206","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40206.json","assumable_homes":465,"avg_assumable_rate":4.51,"avg_monthly_savings":230,"on_market_coverage":false},{"name":"40210","page":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40210","data":"https://www.retrorate.com/assumable-mortgages/kentucky/louisville/40210.json","assumable_homes":428,"avg_assumable_rate":5.17,"avg_monthly_savings":90,"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"}}