{"level":"city","name":"Houston","state":"TX","state_name":"Texas","page":"https://www.retrorate.com/assumable-mortgages/texas/houston","parent":{"name":"Texas","page":"https://www.retrorate.com/assumable-mortgages/texas"},"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":"A","on_market":"live listing data: counts include what is for sale"},"figures":{"assumable_homes":60909,"avg_assumable_rate":4.51,"avg_balance":212316,"avg_monthly_savings":274,"rate_bands":{"under_3":10962,"3_to_4":21471,"4_to_5":7951,"5_and_over":20525},"listings_assumable_now":0},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"77449","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77449","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77449.json","assumable_homes":7284,"avg_assumable_rate":4.16,"avg_monthly_savings":294,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77433","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77433","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77433.json","assumable_homes":6154,"avg_assumable_rate":4.79,"avg_monthly_savings":343,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77084","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77084","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77084.json","assumable_homes":4046,"avg_assumable_rate":4.35,"avg_monthly_savings":275,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77447","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77447","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77447.json","assumable_homes":4031,"avg_assumable_rate":5.49,"avg_monthly_savings":199,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77044","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77044","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77044.json","assumable_homes":3937,"avg_assumable_rate":4.48,"avg_monthly_savings":305,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77379","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77379","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77379.json","assumable_homes":3223,"avg_assumable_rate":4.33,"avg_monthly_savings":369,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77396","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77396","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77396.json","assumable_homes":3210,"avg_assumable_rate":4.14,"avg_monthly_savings":302,"on_market_coverage":true,"listings_assumable_now":0},{"name":"77386","page":"https://www.retrorate.com/assumable-mortgages/texas/houston/77386","data":"https://www.retrorate.com/assumable-mortgages/texas/houston/77386.json","assumable_homes":3192,"avg_assumable_rate":4.18,"avg_monthly_savings":397,"on_market_coverage":true,"listings_assumable_now":1}]},"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"}}