{"level":"city","name":"Rochester","state":"NY","state_name":"New York","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester","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":18908,"avg_assumable_rate":4.6,"avg_balance":120228,"avg_monthly_savings":149,"rate_bands":{"under_3":1165,"3_to_4":5798,"4_to_5":5986,"5_and_over":5959}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"14609","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14609","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14609.json","assumable_homes":2315,"avg_assumable_rate":4.66,"avg_monthly_savings":122,"on_market_coverage":false},{"name":"14616","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14616","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14616.json","assumable_homes":2118,"avg_assumable_rate":4.59,"avg_monthly_savings":138,"on_market_coverage":false},{"name":"14624","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14624","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14624.json","assumable_homes":1983,"avg_assumable_rate":4.5,"avg_monthly_savings":174,"on_market_coverage":false},{"name":"14612","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14612","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14612.json","assumable_homes":1683,"avg_assumable_rate":4.5,"avg_monthly_savings":179,"on_market_coverage":false},{"name":"14606","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14606","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14606.json","assumable_homes":1301,"avg_assumable_rate":4.66,"avg_monthly_savings":128,"on_market_coverage":false},{"name":"14615","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14615","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14615.json","assumable_homes":955,"avg_assumable_rate":4.65,"avg_monthly_savings":125,"on_market_coverage":false},{"name":"14621","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14621","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14621.json","assumable_homes":747,"avg_assumable_rate":4.85,"avg_monthly_savings":86,"on_market_coverage":false},{"name":"14619","page":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14619","data":"https://www.retrorate.com/assumable-mortgages/new-york/rochester/14619.json","assumable_homes":605,"avg_assumable_rate":4.69,"avg_monthly_savings":110,"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"}}