US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28139
  5. Housing & Real Estate
Rutherfordton town, NC

ZIP 28139 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28139

Median Home Value
$195,300
Median Rent
$627
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,255/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 28139 in Rutherfordton town, NC, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,255. That is roughly in line with the local median household income ($52,148). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.3%+21% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
30.6%-38% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$195,300
Home Value
$627
Rent
1989
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.2%
  • 1-unit attached2.6%
  • 2-9 units2.4%
  • 10+ units1.0%
  • Mobile home & other19.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,300
Median rent$627
Owner-occupied79.3%
Vacant12.5%
Price-to-income3.7x
Est. income to buy$54,000