{"level":"city","name":"Winston Salem","state":"NC","state_name":"North Carolina","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem","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":"B","on_market":"off-market only: counts cover homes with a mortgage carrying an assumable loan"},"figures":{"assumable_homes":8224,"avg_assumable_rate":4.59,"avg_balance":186805,"avg_monthly_savings":233,"rate_bands":{"under_3":1105,"3_to_4":2669,"4_to_5":1292,"5_and_over":3158}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"27107","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27107","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27107.json","assumable_homes":1968,"avg_assumable_rate":4.58,"avg_monthly_savings":231,"on_market_coverage":false},{"name":"27127","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27127","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27127.json","assumable_homes":1889,"avg_assumable_rate":4.51,"avg_monthly_savings":231,"on_market_coverage":false},{"name":"27105","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27105","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27105.json","assumable_homes":1257,"avg_assumable_rate":4.77,"avg_monthly_savings":172,"on_market_coverage":false},{"name":"27106","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27106","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27106.json","assumable_homes":1172,"avg_assumable_rate":4.58,"avg_monthly_savings":277,"on_market_coverage":false},{"name":"27103","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27103","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27103.json","assumable_homes":1025,"avg_assumable_rate":4.5,"avg_monthly_savings":251,"on_market_coverage":false},{"name":"27040","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27040","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27040.json","assumable_homes":633,"avg_assumable_rate":4.43,"avg_monthly_savings":315,"on_market_coverage":false},{"name":"27104","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27104","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27104.json","assumable_homes":466,"avg_assumable_rate":4.57,"avg_monthly_savings":292,"on_market_coverage":false},{"name":"27101","page":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27101","data":"https://www.retrorate.com/assumable-mortgages/north-carolina/winston-salem/27101.json","assumable_homes":445,"avg_assumable_rate":4.7,"avg_monthly_savings":212,"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"}}