{"level":"city","name":"Dayton","state":"OH","state_name":"Ohio","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton","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":26297,"avg_assumable_rate":4.83,"avg_balance":144490,"avg_monthly_savings":160,"rate_bands":{"under_3":2743,"3_to_4":8139,"4_to_5":4959,"5_and_over":10456}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"45414","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45414","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45414.json","assumable_homes":1423,"avg_assumable_rate":4.81,"avg_monthly_savings":154,"on_market_coverage":false},{"name":"45410","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45410","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45410.json","assumable_homes":999,"avg_assumable_rate":5.17,"avg_monthly_savings":86,"on_market_coverage":false},{"name":"45405","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45405","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45405.json","assumable_homes":927,"avg_assumable_rate":5.46,"avg_monthly_savings":69,"on_market_coverage":false},{"name":"45406","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45406","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45406.json","assumable_homes":886,"avg_assumable_rate":5.4,"avg_monthly_savings":74,"on_market_coverage":false},{"name":"45417","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45417","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45417.json","assumable_homes":760,"avg_assumable_rate":5.45,"avg_monthly_savings":70,"on_market_coverage":false},{"name":"45403","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45403","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45403.json","assumable_homes":718,"avg_assumable_rate":5.27,"avg_monthly_savings":69,"on_market_coverage":false},{"name":"45404","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45404","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45404.json","assumable_homes":637,"avg_assumable_rate":5.31,"avg_monthly_savings":112,"on_market_coverage":false},{"name":"45402","page":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45402","data":"https://www.retrorate.com/assumable-mortgages/ohio/dayton/45402.json","assumable_homes":199,"avg_assumable_rate":5.17,"avg_monthly_savings":139,"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"}}