Rutherford County, NC · 476 properties with county records
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Rutherford 28720 is in Rutherford, NC. Homes that sold went under contract in a median 176 days, and 0% of listings took a price cut (Redfin Data Center, period ending Jun 30, 2026). On Lotvox's market-leverage reading of that data neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 28720 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Rutherford's 3 ZIPs with a Zillow value, the middle one is $270,000, so 28720 sits 41% above the county middle. Lotvox holds county assessor records for 476 properties in 28720.
Is 28720 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Jun 30, 2026, 28720 is a balanced market. Homes went under contract in a median 176 days.
What do homes in 28720 sell for?
The typical home value in 28720 is $380,000 (Zillow Home Value Index, null), up 0.0% in a year. County records put the median at about $380 per square foot (computed Apr 21, 2026).
Who is likely to sell in 28720?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 28720 has not passed that test yet. When it does, the score appears here.
How does 28720 compare to Rutherford?
28720's typical value of $380,000 compares with a middle value of $270,000 across Rutherford's 3 ZIPs. Both are Zillow Home Value Index figures for null.
Where does this 28720 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 28720 Rutherford, NC, https://lotvox.com/rutherford-county-nc/zip/28720
Listings Flow Ladder — 28720
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Jun 30, 2026
Faucet — new listings
—/mo
— of normal (—) · unknown
Basin — active listings
—
— of normal (—) · unknown
Months of supply
—
derived — not published at this grain
Drain — closed sales
0/mo
— of normal (—)
Net — faucet minus drain
—
—
Reading
current
as of 2026-06-30
Compare against:2015-01-01 to 2019-12-31 · 0 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
—Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
—Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 16 months — two different numbers, deliberately not merged.
0/mofall in the monthly rate (0%)— peak 0/mo (2012-12-31) to 0/mo now
0transactions that did not happen— summed monthly shortfall vs the same-month normal, over 0 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-06-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-06-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (0 new, 6 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
—affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Not available for this ZIP — no rent or ownership-cost estimate published here.
Rent to price
Not available for this ZIP — no price-to-rent ratio published here.
0
/100
unknown
stable · balanced · prices rising year-over-year.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Strong Buyer's Market
Score Components
Valuation Gap (25%)100
Buy vs Rent (15%)75
Days on Market (5%)100
Strong buyer leverage in 28720. If you must buy now, offer 10-15% below list price. Median days on market: 176. Renting is approximately 94% cheaper than buying (price-to-rent ratio: 23.3). Market appears 62% overpriced vs. assessed values.
What to Offer
Offer 10-15% below list price. Sellers are under pressure.
Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.
STABLEBALANCED
Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.
Address lookup
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in 673 · out 567 · Rutherford County, NC (parent county of this ZIP)
active inventory
as of 2026-01-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Rutherford.
Current tiers · 12 months to Invalid Datefloor 10 sales/tier
7 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$250k–$500k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$500k–$750k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 28720.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 28720→Rutherford County, NC
12-Month Direction
-9Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
40· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Price-to-rent
23.3x
favors renting
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation4
+79%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Insurance Risk
46/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.1%
NC 3.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0845d ago
Poverty Rate
15.2%
NC 12.9%US 12.6%
Near national averages
Median Household Income
$49,771
NC $71,866US $82,006
Lower than many comparable counties
Cost of Living (RPP)
93.8
NC 93.8US 100.3
Lower than most U.S. counties
Home Value (ZHVI)$223,473
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
No ZIP figure — too few owner households to state a share
DERIVED: this county's age-specific owner-householder rates applied to this ZIP's own age structure (ACS B01001, ZCTA). Tenure by age is not published below county. Assumes the ZIP's rates match its county's; only the age structure is local. THIN: only ~55 estimated owner households here, below the 100 floor — the share is not stated.
