{"level":"city","name":"St. Louis","state":"MO","state_name":"Missouri","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis","parent":{"name":"Missouri","page":"https://www.retrorate.com/assumable-mortgages/missouri"},"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":34180,"avg_assumable_rate":4.87,"avg_balance":141469,"avg_monthly_savings":154,"rate_bands":{"under_3":2527,"3_to_4":9504,"4_to_5":7200,"5_and_over":14949}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"63116","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63116","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63116.json","assumable_homes":2575,"avg_assumable_rate":4.91,"avg_monthly_savings":137,"on_market_coverage":false},{"name":"63111","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63111","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63111.json","assumable_homes":1085,"avg_assumable_rate":5.11,"avg_monthly_savings":114,"on_market_coverage":false},{"name":"63118","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63118","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63118.json","assumable_homes":1081,"avg_assumable_rate":5.07,"avg_monthly_savings":152,"on_market_coverage":false},{"name":"63109","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63109","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63109.json","assumable_homes":1050,"avg_assumable_rate":4.6,"avg_monthly_savings":217,"on_market_coverage":false},{"name":"63139","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63139","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63139.json","assumable_homes":1023,"avg_assumable_rate":4.64,"avg_monthly_savings":183,"on_market_coverage":false},{"name":"63104","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63104","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63104.json","assumable_homes":604,"avg_assumable_rate":4.64,"avg_monthly_savings":278,"on_market_coverage":false},{"name":"63115","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63115","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63115.json","assumable_homes":547,"avg_assumable_rate":5.47,"avg_monthly_savings":55,"on_market_coverage":false},{"name":"63147","page":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63147","data":"https://www.retrorate.com/assumable-mortgages/missouri/st-louis/63147.json","assumable_homes":477,"avg_assumable_rate":5.44,"avg_monthly_savings":59,"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"}}