{"level":"city","name":"Richmond","state":"VA","state_name":"Virginia","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond","parent":{"name":"Virginia","page":"https://www.retrorate.com/assumable-mortgages/virginia"},"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":8295,"avg_assumable_rate":4.63,"avg_balance":231253,"avg_monthly_savings":283,"rate_bands":{"under_3":554,"3_to_4":2638,"4_to_5":2119,"5_and_over":2984}},"zip_codes":{"note":"The ZIP codes with the most assumable stock in this city, not every ZIP in it.","published":[{"name":"23234","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23234","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23234.json","assumable_homes":2672,"avg_assumable_rate":4.61,"avg_monthly_savings":250,"on_market_coverage":false},{"name":"23224","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23224","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23224.json","assumable_homes":1296,"avg_assumable_rate":4.7,"avg_monthly_savings":196,"on_market_coverage":false},{"name":"23222","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23222","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23222.json","assumable_homes":1039,"avg_assumable_rate":4.67,"avg_monthly_savings":230,"on_market_coverage":false},{"name":"23225","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23225","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23225.json","assumable_homes":885,"avg_assumable_rate":4.43,"avg_monthly_savings":274,"on_market_coverage":false},{"name":"23220","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23220","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23220.json","assumable_homes":325,"avg_assumable_rate":4.52,"avg_monthly_savings":350,"on_market_coverage":false},{"name":"23226","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23226","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23226.json","assumable_homes":225,"avg_assumable_rate":4.5,"avg_monthly_savings":367,"on_market_coverage":false},{"name":"23230","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23230","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23230.json","assumable_homes":166,"avg_assumable_rate":4.55,"avg_monthly_savings":281,"on_market_coverage":false},{"name":"23221","page":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23221","data":"https://www.retrorate.com/assumable-mortgages/virginia/richmond/23221.json","assumable_homes":122,"avg_assumable_rate":4.36,"avg_monthly_savings":443,"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"}}