{"level":"city","name":"Cincinnati","state":"OH","state_name":"Ohio","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati","parent":{"name":"Ohio","page":"https://www.retrorate.com/assumable-mortgages/ohio"},"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":33564,"avg_assumable_rate":4.86,"avg_balance":149061,"avg_monthly_savings":163,"rate_bands":{"under_3":3138,"3_to_4":10112,"4_to_5":6871,"5_and_over":13443}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"45238","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45238","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45238.json","assumable_homes":2906,"avg_assumable_rate":4.82,"avg_monthly_savings":152,"on_market_coverage":false},{"name":"45211","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45211","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45211.json","assumable_homes":2284,"avg_assumable_rate":4.94,"avg_monthly_savings":131,"on_market_coverage":false},{"name":"45224","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45224","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45224.json","assumable_homes":1200,"avg_assumable_rate":4.92,"avg_monthly_savings":143,"on_market_coverage":false},{"name":"45230","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45230","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45230.json","assumable_homes":1199,"avg_assumable_rate":4.74,"avg_monthly_savings":188,"on_market_coverage":false},{"name":"45237","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45237","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45237.json","assumable_homes":1012,"avg_assumable_rate":5.17,"avg_monthly_savings":120,"on_market_coverage":false},{"name":"45205","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45205","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45205.json","assumable_homes":838,"avg_assumable_rate":5.33,"avg_monthly_savings":88,"on_market_coverage":false},{"name":"45227","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45227","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45227.json","assumable_homes":716,"avg_assumable_rate":4.88,"avg_monthly_savings":148,"on_market_coverage":false},{"name":"45216","page":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45216","data":"https://www.retrorate.com/assumable-mortgages/ohio/cincinnati/45216.json","assumable_homes":505,"avg_assumable_rate":5.07,"avg_monthly_savings":114,"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"}}