Rutherford County, North Carolina home prices
Typical home $214,563 · +2.4% in a year · property tax 0.58%
The typical home in Rutherford County is worth $214,563, 35% less than the North Carolina typical home ($332,159). Values changed +2.4% in the past year and +19.4% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,253 on the typical home), versus 0.64% statewide.
Mortgage on the typical Rutherford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,913 | $171,651 | $1,155 | $0 | $212 | $1,366 | $58,600 |
| 10% down | $21,456 | $193,107 | $1,299 | $80 | $212 | $1,591 | $68,200 |
| 5% down | $10,728 | $203,835 | $1,371 | $85 | $212 | $1,668 | $71,500 |
| 3.5% down (FHA) | $7,510 | $210,677 | $1,417 | $95 | $212 | $1,724 | $73,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in North Carolina · part of the Forest City metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wilson County | $216,195 | -0.4% | 0.79% |
| Cleveland County | $210,523 | +0.0% | 0.64% |
| Caswell County | $210,158 | +5.6% | 0.69% |
| Warren County | $221,073 | +4.8% | 0.71% |
| Hyde County | $223,074 | +4.5% | 0.79% |
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Graham County | $226,187 | +1.8% | 0.57% |
| Cumberland County | $227,993 | +0.4% | 0.93% |
| Columbus County | $198,207 | +6.6% | 0.77% |
| Chowan County | $231,388 | +5.0% | 0.71% |
Frequently asked questions
What is the average home price in Rutherford County, NC?
The typical home value in Rutherford County is $214,563 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rutherford County?
About $58,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rutherford County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).