{"level":"city","name":"Lubbock","state":"TX","state_name":"Texas","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock","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":11032,"avg_assumable_rate":4.86,"avg_balance":194662,"avg_monthly_savings":212,"rate_bands":{"under_3":1783,"3_to_4":3211,"4_to_5":954,"5_and_over":5084},"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":"79423","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79423","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79423.json","assumable_homes":2849,"avg_assumable_rate":4.98,"avg_monthly_savings":213,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79424","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79424","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79424.json","assumable_homes":2511,"avg_assumable_rate":4.57,"avg_monthly_savings":290,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79416","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79416","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79416.json","assumable_homes":1588,"avg_assumable_rate":5,"avg_monthly_savings":188,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79407","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79407","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79407.json","assumable_homes":1329,"avg_assumable_rate":5.28,"avg_monthly_savings":179,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79413","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79413","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79413.json","assumable_homes":792,"avg_assumable_rate":4.63,"avg_monthly_savings":204,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79414","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79414","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79414.json","assumable_homes":591,"avg_assumable_rate":4.69,"avg_monthly_savings":153,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79412","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79412","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79412.json","assumable_homes":505,"avg_assumable_rate":4.67,"avg_monthly_savings":154,"on_market_coverage":true,"listings_assumable_now":0},{"name":"79403","page":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79403","data":"https://www.retrorate.com/assumable-mortgages/texas/lubbock/79403.json","assumable_homes":250,"avg_assumable_rate":4.97,"avg_monthly_savings":144,"on_market_coverage":true,"listings_assumable_now":0}]},"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"}}