{"level":"city","name":"St. Paul","state":"MN","state_name":"Minnesota","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul","parent":{"name":"Minnesota","page":"https://www.retrorate.com/assumable-mortgages/minnesota"},"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":9361,"avg_assumable_rate":4.83,"avg_balance":196235,"avg_monthly_savings":218,"rate_bands":{"under_3":699,"3_to_4":2893,"4_to_5":1807,"5_and_over":3962}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"55106","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55106","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55106.json","assumable_homes":2716,"avg_assumable_rate":4.76,"avg_monthly_savings":200,"on_market_coverage":false},{"name":"55117","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55117","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55117.json","assumable_homes":1387,"avg_assumable_rate":4.78,"avg_monthly_savings":209,"on_market_coverage":false},{"name":"55104","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55104","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55104.json","assumable_homes":919,"avg_assumable_rate":4.92,"avg_monthly_savings":218,"on_market_coverage":false},{"name":"55130","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55130","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55130.json","assumable_homes":596,"avg_assumable_rate":4.78,"avg_monthly_savings":195,"on_market_coverage":false},{"name":"55107","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55107","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55107.json","assumable_homes":567,"avg_assumable_rate":4.79,"avg_monthly_savings":227,"on_market_coverage":false},{"name":"55102","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55102","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55102.json","assumable_homes":347,"avg_assumable_rate":4.9,"avg_monthly_savings":210,"on_market_coverage":false},{"name":"55103","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55103","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55103.json","assumable_homes":321,"avg_assumable_rate":4.99,"avg_monthly_savings":185,"on_market_coverage":false},{"name":"55116","page":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55116","data":"https://www.retrorate.com/assumable-mortgages/minnesota/st-paul/55116.json","assumable_homes":242,"avg_assumable_rate":4.65,"avg_monthly_savings":306,"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"}}