{"level":"city","name":"Buffalo","state":"NY","state_name":"New York","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo","parent":{"name":"New York","page":"https://www.retrorate.com/assumable-mortgages/new-york"},"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":13843,"avg_assumable_rate":4.75,"avg_balance":134183,"avg_monthly_savings":155,"rate_bands":{"under_3":835,"3_to_4":3905,"4_to_5":3919,"5_and_over":5184}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"14220","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14220","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14220.json","assumable_homes":1175,"avg_assumable_rate":4.77,"avg_monthly_savings":132,"on_market_coverage":false},{"name":"14206","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14206","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14206.json","assumable_homes":885,"avg_assumable_rate":4.91,"avg_monthly_savings":102,"on_market_coverage":false},{"name":"14216","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14216","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14216.json","assumable_homes":836,"avg_assumable_rate":4.71,"avg_monthly_savings":182,"on_market_coverage":false},{"name":"14215","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14215","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14215.json","assumable_homes":804,"avg_assumable_rate":5.01,"avg_monthly_savings":96,"on_market_coverage":false},{"name":"14207","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14207","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14207.json","assumable_homes":556,"avg_assumable_rate":4.97,"avg_monthly_savings":98,"on_market_coverage":false},{"name":"14210","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14210","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14210.json","assumable_homes":478,"avg_assumable_rate":4.95,"avg_monthly_savings":111,"on_market_coverage":false},{"name":"14213","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14213","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14213.json","assumable_homes":375,"avg_assumable_rate":4.86,"avg_monthly_savings":160,"on_market_coverage":false},{"name":"14214","page":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14214","data":"https://www.retrorate.com/assumable-mortgages/new-york/buffalo/14214.json","assumable_homes":355,"avg_assumable_rate":4.81,"avg_monthly_savings":177,"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"}}