Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$214,563+2.4% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$46,513About 0.8× the local median income ($57,208): affordable for a typical household
Days on market86 daysFaster than a year ago: sellers have the edge
The typical home in Rutherford County, NC is worth $214,563, up 2.4% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $195,912, so the area is 9.5% overvalued. It is a buyer's market: homes take about 86 days to sell, listings are up 31% from a year ago, 17% of listings have had a price cut. A household needs about $46,513 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,208. Typical rent is $1,227 a month. In the latest IRS figures, 514 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$214,563
Change in 1 year
+2.4%
Overvalued %
+9.5%
Show 6 more
Fair home value
$195,912
Change in 5 years
+19.4%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$1,163
Income needed to afford it
$46,513
Property tax rate
0.58%
Rent and investing
Typical rent
$1,227
Price-to-rent ratio
14.6×
HUD Fair Market Rent, 2 bedrooms
$1,012
Show 2 more
Gross rental yield
6.86%
Cap rate (estimate)
4.46%
Market activity
Listings vs a year ago
+31.1%
Days on market
86
Listings with a price cut
17.3%
Show 3 more
Homes for sale
472
Pending sales per 100 listings
18
Asking price per sq ft
$220
People and jobs
Median household income
$57,208
Population change (1 year)
+0.3%
Unemployment rate
6.3%
Show 4 more
Population
65,745
Income adjusted for cost of living
$64,715
Net moves in (IRS)
+514
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
9.2
FEMA hazard risk score (0 to 100)
72.7
Flood risk score
79.2
Show 3 more
Wildfire risk score
63.2
Walkability (1 to 20)
5.7
Road, rail and air noise
55 dB
Questions people ask
Is Rutherford County, NC overvalued?
Home prices in Rutherford County, NC are slightly above what local incomes have historically supported: fair value is about $195,912, so the area is 9.5% overvalued.
Is Rutherford County, NC a buyer's or seller's market?
Rutherford County, NC is a buyer's market: homes take about 86 days to sell, listings are up 31% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Rutherford County, NC?
Home values in Rutherford County, NC are up 2.4% over the last year.
How much do you need to earn to buy a home in Rutherford County, NC?
A household needs about $46,513 a year to afford the typical home in Rutherford County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,208.