{"level":"city","name":"Columbia","state":"SC","state_name":"South Carolina","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia","parent":{"name":"South Carolina","page":"https://www.retrorate.com/assumable-mortgages/south-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":23645,"avg_assumable_rate":4.56,"avg_balance":194441,"avg_monthly_savings":246,"rate_bands":{"under_3":3036,"3_to_4":6984,"4_to_5":4901,"5_and_over":8724}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"29229","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29229","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29229.json","assumable_homes":8306,"avg_assumable_rate":4.47,"avg_monthly_savings":261,"on_market_coverage":false},{"name":"29045","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29045","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29045.json","assumable_homes":4106,"avg_assumable_rate":4.71,"avg_monthly_savings":314,"on_market_coverage":false},{"name":"29209","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29209","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29209.json","assumable_homes":3168,"avg_assumable_rate":4.75,"avg_monthly_savings":311,"on_market_coverage":false},{"name":"29212","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29212","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29212.json","assumable_homes":2098,"avg_assumable_rate":4.47,"avg_monthly_savings":253,"on_market_coverage":false},{"name":"29210","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29210","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29210.json","assumable_homes":1809,"avg_assumable_rate":4.64,"avg_monthly_savings":174,"on_market_coverage":false},{"name":"29203","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29203","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29203.json","assumable_homes":1654,"avg_assumable_rate":4.75,"avg_monthly_savings":163,"on_market_coverage":false},{"name":"29204","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29204","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29204.json","assumable_homes":741,"avg_assumable_rate":4.69,"avg_monthly_savings":183,"on_market_coverage":false},{"name":"29205","page":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29205","data":"https://www.retrorate.com/assumable-mortgages/south-carolina/columbia/29205.json","assumable_homes":615,"avg_assumable_rate":4.5,"avg_monthly_savings":280,"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"}}