{"level":"city","name":"Philadelphia","state":"PA","state_name":"Pennsylvania","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia","parent":{"name":"Pennsylvania","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania"},"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":62132,"avg_assumable_rate":4.57,"avg_balance":177687,"avg_monthly_savings":223,"rate_bands":{"under_3":4725,"3_to_4":20963,"4_to_5":17241,"5_and_over":19203}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"19124","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19124","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19124.json","assumable_homes":4240,"avg_assumable_rate":4.71,"avg_monthly_savings":144,"on_market_coverage":false},{"name":"19120","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19120","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19120.json","assumable_homes":3807,"avg_assumable_rate":4.71,"avg_monthly_savings":144,"on_market_coverage":false},{"name":"19111","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19111","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19111.json","assumable_homes":3702,"avg_assumable_rate":4.44,"avg_monthly_savings":245,"on_market_coverage":false},{"name":"19135","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19135","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19135.json","assumable_homes":2935,"avg_assumable_rate":4.51,"avg_monthly_savings":179,"on_market_coverage":false},{"name":"19136","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19136","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19136.json","assumable_homes":2582,"avg_assumable_rate":4.45,"avg_monthly_savings":215,"on_market_coverage":false},{"name":"19149","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19149","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19149.json","assumable_homes":2498,"avg_assumable_rate":4.59,"avg_monthly_savings":170,"on_market_coverage":false},{"name":"19134","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19134","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19134.json","assumable_homes":2323,"avg_assumable_rate":4.91,"avg_monthly_savings":144,"on_market_coverage":false},{"name":"19154","page":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19154","data":"https://www.retrorate.com/assumable-mortgages/pennsylvania/philadelphia/19154.json","assumable_homes":2301,"avg_assumable_rate":4.37,"avg_monthly_savings":298,"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"}}