Lotvox market story · compare

ZIP 28167 vs ZIP 28018

ZIP 28167

Rutherford County, NC

ZIP 28018

Rutherford County, NC

1 of 4

Who's going to sell

Turnover Index not published for 28167 yet.

Where

28167 in Rutherford County, NC

28018 · $218,79428019 · no value published28024 · no value published28040 · $186,45928043 · $189,74528074 · no value published28076 · no value published28139 · $248,87128160 · $147,50328167 · $242,17628720 · no value published28746 · $440,195 28167
$148K$440K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

28167 is one of 12 ZIP codes that lie mostly in Rutherford County, NC — 93% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 7 with a value.

Value rank in county
3 of 7

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Turnover Index not published for 28018 yet.

Where

28018 in Rutherford County, NC

28018 · $218,79428019 · no value published28024 · no value published28040 · $186,45928043 · $189,74528074 · no value published28076 · no value published28139 · $248,87128160 · $147,50328167 · $242,17628720 · no value published28746 · $440,195 28018
$148K$440K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

28018 is one of 12 ZIP codes that lie mostly in Rutherford County, NC.

Shaded by typical home value, it ranks 4 of the 7 with a value.

Value rank in county
4 of 7

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 28018

3 school locations in 28018: 1 elementary, 1 middle, 1 high.

In alphabetical order: East Rutherford High School, East Rutherford Middle School, Sunshine Elementary School. Locations only — no ratings are shown here.

School locations
3

Source: U.S. Department of Education, National Center for Education Statistics (school locations)

2 of 4

What it costs

Home values

What homes are worth in 28167

$0$100K$200K$300K200020052010201520202025Peak August 2024 · $252,392Latest · $242,176
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2000 the typical home in 28167 was worth $85,667.

Values peaked at $252,392 in August 2024. The latest reading is −4.0% from that peak.

As of August 2026: $242,176, +2.2% over twelve months.

Typical home value
$242,176
12-month change
+2.2%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$242,177
Loan at 20% down
$193,742
30-year fixed rate
7.40%
Monthly principal + interest
$1,341
Median household income, per month
$3,535
Share of income
37.9%
0%30%60%
At today's rate, by home value, 2000–2026: 13.4% → 37.9%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Start with the typical home: $242,177. Put 20% down and borrow $193,742 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,341 a month in principal and interest.

The median household here earns $42,419 a year, $3,535 a month. So the payment takes 37.9% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.4% in 2000.

Payment share of income
37.9%
Monthly P&I
$1,341

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Lotvox lens

The payment, at each month's rate

$0$500$1K$2K2000200520102015202020252.68% rate · $5706.67% rate · $1,246
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $513.

In December 2020, with rates at 2.68%, it was $570.

By August 2026, at 6.67%, it was $1,246 — +119% since December 2020, while the home's value moved +38%.

Payment change since 2020
+119%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Home value after inflation

$0$100K$200K$300K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Reported values rose +183% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $169,073. So the real change is +43%, not +183%.

Real change since 2000
+43%

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Home values

28167 against its neighbors

0100200300400200020052010201520202025
28167 (2000 = 100)Rutherford County (2000 = 100)North Carolina (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

28167: +183% since January 2000.

Rutherford County: +187% since January 2000.

North Carolina: +156% since January 2000 — 28167 ran ahead of it by 27 points.

Change since 2000
+183%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Rent or own

Own: payment + 1.2%/yr taxes & insurance
$1,584
principal + interest $1,341 · taxes & insurance est. $243
Rent: typical rent (ZORI)
$568
Price-to-rent ratio
35.5
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Owning the typical home costs about $1,584 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $568 a month.

Price divided by a year's rent: 35.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
35.5

Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Home values

What homes are worth in 28018

$0$100K$200K$300K200020052010201520202025Peak July 2024 · $229,909Latest · $218,794
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2000 the typical home in 28018 was worth $76,248.

Values peaked at $229,909 in July 2024. The latest reading is −4.8% from that peak.

As of August 2026: $218,794, +4.7% over twelve months.

Typical home value
$218,794
12-month change
+4.7%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$218,794
Loan at 20% down
$175,035
30-year fixed rate
7.40%
Monthly principal + interest
$1,212
Median household income, per month
$4,536
Share of income
26.7%
0%30%60%
At today's rate, by home value, 2000–2026: 9.3% → 26.7%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Start with the typical home: $218,794. Put 20% down and borrow $175,035 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,212 a month in principal and interest.

The median household here earns $54,432 a year, $4,536 a month. So the payment takes 26.7% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.3% in 2000.

Payment share of income
26.7%
Monthly P&I
$1,212

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Lotvox lens

The payment, at each month's rate

$0$500$1K$2K2000200520102015202020252.68% rate · $5386.67% rate · $1,126
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $457.

In December 2020, with rates at 2.68%, it was $538.

By August 2026, at 6.67%, it was $1,126 — +109% since December 2020, while the home's value moved +32%.

Payment change since 2020
+109%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Home value after inflation

$0$100K$200K$300K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Reported values rose +187% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $150,483. So the real change is +45%, not +187%.

Real change since 2000
+45%

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Home values

28018 against its neighbors

0100200300400200020052010201520202025
28018 (2000 = 100)Rutherford County (2000 = 100)North Carolina (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

28018: +187% since January 2000.

Rutherford County: +187% since January 2000.

North Carolina: +156% since January 2000 — 28018 ran ahead of it by 31 points.

Change since 2000
+187%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Rent or own

Own: payment + 1.2%/yr taxes & insurance
$1,431
principal + interest $1,212 · taxes & insurance est. $219
Rent: typical rent (ZORI)
$777
Price-to-rent ratio
23.5
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Owning the typical home costs about $1,431 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $777 a month.

Price divided by a year's rent: 23.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
23.5

Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

3 of 4

What's moving

Housing pulse

Sales pace vs. normal

0246820252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 500% of it, and below it in 0 of the last 24 months.

Sales vs 2015–19 level
500%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

01002003002022220202324420241932025269
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Rutherford County, builders pulled permits for 269 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Units permitted 2025
269

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Housing pulse

Listings Flow Ladder

per month / homes for sale2024-092026-08balanced 4–6 mo6.3 mo6.3 months of supplyNet +4 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 38.

Going out — closed sales: about 6 a month.

The ladder: homes for sale ÷ monthly sales = 6.3 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Months of supply
6.3

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Housing pulse

Sales pace vs. normal

0246820252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 200% of it, and below it in 2 of the last 24 months.

Sales vs 2015–19 level
200%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

01002003002022220202324420241932025269
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Rutherford County, builders pulled permits for 269 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Units permitted 2025
269

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

4 of 4

Who's holding, who's leaving

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
673
Moved out (top-10 destination counties)
567
Net households
+106
Top origins
Cleveland, NC171
Buncombe, NC111
Spartanburg, SC77
Top destinations
Cleveland, NC166
Spartanburg, SC90
Polk, NC53
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Rutherford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 673 moved in. Among the ten receiving the most, 567 moved out.

Net across those counties: +106 households. Beside it, homes for sale in this ZIP: 24 in June 2026.

Most arrivals came from Cleveland, NC (171 households); most departures went to Cleveland, NC (166).

Net households (top-10 flows)
+106

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
673
Moved out (top-10 destination counties)
567
Net households
+106
Top origins
Cleveland, NC171
Buncombe, NC111
Spartanburg, SC77
Top destinations
Cleveland, NC166
Spartanburg, SC90
Polk, NC53
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Rutherford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 673 moved in. Among the ten receiving the most, 567 moved out.

Net across those counties: +106 households. Beside it, homes for sale in this ZIP: 38 in June 2026.

Most arrivals came from Cleveland, NC (171 households); most departures went to Cleveland, NC (166).

Net households (top-10 flows)
+106

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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