{"level":"city","name":"Durham","state":"NC","state_name":"North Carolina","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham","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":6417,"avg_assumable_rate":4.39,"avg_balance":252391,"avg_monthly_savings":343,"rate_bands":{"under_3":1221,"3_to_4":2151,"4_to_5":921,"5_and_over":2126},"listings_assumable_now":59},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"27703","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27703","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27703.json","assumable_homes":2374,"avg_assumable_rate":4.39,"avg_monthly_savings":360,"on_market_coverage":true,"listings_assumable_now":25},{"name":"27704","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27704","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27704.json","assumable_homes":1376,"avg_assumable_rate":4.46,"avg_monthly_savings":270,"on_market_coverage":true,"listings_assumable_now":9},{"name":"27713","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27713","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27713.json","assumable_homes":1021,"avg_assumable_rate":4.38,"avg_monthly_savings":376,"on_market_coverage":true,"listings_assumable_now":11},{"name":"27712","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27712","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27712.json","assumable_homes":692,"avg_assumable_rate":4.26,"avg_monthly_savings":383,"on_market_coverage":true,"listings_assumable_now":8},{"name":"27707","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27707","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27707.json","assumable_homes":424,"avg_assumable_rate":4.34,"avg_monthly_savings":339,"on_market_coverage":true,"listings_assumable_now":4},{"name":"27705","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27705","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27705.json","assumable_homes":379,"avg_assumable_rate":4.35,"avg_monthly_savings":357,"on_market_coverage":true,"listings_assumable_now":2},{"name":"27701","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27701","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27701.json","assumable_homes":146,"avg_assumable_rate":4.77,"avg_monthly_savings":314,"on_market_coverage":true,"listings_assumable_now":0},{"name":"27503","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27503","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/durham/27503.json","assumable_homes":104,"avg_assumable_rate":4.18,"avg_monthly_savings":452,"on_market_coverage":true,"listings_assumable_now":2}]},"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"}}