{"level":"city","name":"Charlotte","state":"NC","state_name":"North Carolina","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte","parent":{"name":"North Carolina","page":"https://www.retrorate.com/assumable-mortgages/north-carolina"},"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":"A","on_market":"live listing data: counts include what is for sale"},"figures":{"assumable_homes":27296,"avg_assumable_rate":4.48,"avg_balance":252658,"avg_monthly_savings":331,"rate_bands":{"under_3":4019,"3_to_4":9459,"4_to_5":4272,"5_and_over":9546},"listings_assumable_now":1},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"28269","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28269","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28269.json","assumable_homes":4428,"avg_assumable_rate":4.48,"avg_monthly_savings":325,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28215","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28215","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28215.json","assumable_homes":3774,"avg_assumable_rate":4.54,"avg_monthly_savings":318,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28214","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28214","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28214.json","assumable_homes":3017,"avg_assumable_rate":4.6,"avg_monthly_savings":288,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28216","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28216","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28216.json","assumable_homes":2858,"avg_assumable_rate":4.59,"avg_monthly_savings":274,"on_market_coverage":true,"listings_assumable_now":1},{"name":"28278","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28278","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28278.json","assumable_homes":1760,"avg_assumable_rate":4.43,"avg_monthly_savings":443,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28213","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28213","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28213.json","assumable_homes":1726,"avg_assumable_rate":4.36,"avg_monthly_savings":320,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28273","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28273","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28273.json","assumable_homes":1597,"avg_assumable_rate":4.27,"avg_monthly_savings":342,"on_market_coverage":true,"listings_assumable_now":0},{"name":"28262","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28262","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/charlotte/28262.json","assumable_homes":1364,"avg_assumable_rate":4.53,"avg_monthly_savings":310,"on_market_coverage":true,"listings_assumable_now":0}]},"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"}}