{"level":"city","name":"Chattanooga","state":"TN","state_name":"Tennessee","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga","parent":{"name":"Tennessee","page":"https://www.retrorate.com/assumable-mortgages/tennessee"},"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":10191,"avg_assumable_rate":4.51,"avg_balance":179637,"avg_monthly_savings":232,"rate_bands":{"under_3":973,"3_to_4":3628,"4_to_5":2574,"5_and_over":3016}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"37421","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37421","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37421.json","assumable_homes":2922,"avg_assumable_rate":4.33,"avg_monthly_savings":291,"on_market_coverage":false},{"name":"37343","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37343","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37343.json","assumable_homes":2776,"avg_assumable_rate":4.42,"avg_monthly_savings":274,"on_market_coverage":false},{"name":"37415","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37415","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37415.json","assumable_homes":1231,"avg_assumable_rate":4.44,"avg_monthly_savings":227,"on_market_coverage":false},{"name":"37411","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37411","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37411.json","assumable_homes":1198,"avg_assumable_rate":4.67,"avg_monthly_savings":173,"on_market_coverage":false},{"name":"37416","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37416","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37416.json","assumable_homes":1118,"avg_assumable_rate":4.47,"avg_monthly_savings":219,"on_market_coverage":false},{"name":"37406","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37406","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37406.json","assumable_homes":555,"avg_assumable_rate":5,"avg_monthly_savings":157,"on_market_coverage":false},{"name":"37405","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37405","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37405.json","assumable_homes":439,"avg_assumable_rate":4.51,"avg_monthly_savings":349,"on_market_coverage":false},{"name":"37404","page":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37404","data":"https://www.retrorate.com/assumable-mortgages/tennessee/chattanooga/37404.json","assumable_homes":421,"avg_assumable_rate":4.71,"avg_monthly_savings":200,"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"}}