ZIP 28746 vs ZIP 28139

28746 is one of 12 ZIP codes that lie mostly in Rutherford County, NC.

Shaded by typical home value, it ranks 1 of the 7 with a value.

1 school location in 28746: 1 high.

In alphabetical order: Lake Lure Classical Academy. Locations only — no ratings are shown here.

28139 is one of 12 ZIP codes that lie mostly in Rutherford County, NC — 87% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 7 with a value.

4 school locations in 28139: 2 elementary, 1 middle, 1 high.

In alphabetical order: Pinnacle Elementary School, R-S Central High School, R-S Middle School, Rutherfordton Elementary School. Locations only — no ratings are shown here.

In January 2000 the typical home in 28746 was worth $115,012.

Values peaked at $447,938 in May 2024. The latest reading is −1.7% from that peak.

As of August 2026: $440,195, +0.6% over twelve months.

Start with the typical home: $440,195. Put 20% down and borrow $352,156 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,438 a month in principal and interest.

The median household here earns $65,703 a year, $5,475 a month. So the payment takes 44.5% 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 11.6% in 2000.

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 $689.

In December 2020, with rates at 2.68%, it was $916.

By August 2026, at 6.67%, it was $2,265 — +147% since December 2020, while the home's value moved +56%.

Reported values rose +283% 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 $226,988. So the real change is +94%, not +283%.

28746: +283% since January 2000.

Rutherford County: +187% since January 2000.

North Carolina: +156% since January 2000 — 28746 ran ahead of it by 127 points.

Owning the typical home costs about $2,878 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,688 a month.

Price divided by a year's rent: 21.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 28139 was worth $96,211.

Values peaked at $251,463 in May 2026. The latest reading is −1.0% from that peak.

As of August 2026: $248,871, +2.6% over twelve months.

Start with the typical home: $248,871. Put 20% down and borrow $199,097 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,379 a month in principal and interest.

The median household here earns $52,148 a year, $4,346 a month. So the payment takes 31.7% of income — rated “stretched” (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 12.3% in 2000.

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 $576.

In December 2020, with rates at 2.68%, it was $583.

By August 2026, at 6.67%, it was $1,280 — +120% since December 2020, while the home's value moved +38%.

Reported values rose +159% 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 $189,882. So the real change is +31%, not +159%.

28139: +159% since January 2000.

Rutherford County: +187% since January 2000.

North Carolina: +156% since January 2000 — 28139 ran ahead of it by 3 points.

Owning the typical home costs about $1,627 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $856 a month.

Price divided by a year's rent: 24.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 24 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 141. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 14 a month.

The ladder: homes for sale ÷ monthly sales = 9.8 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 82% of it, and below it in 22 of the last 24 months.

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).

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 26 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 118.

Going out — closed sales: about 21 a month.

The ladder: homes for sale ÷ monthly sales = 5.5 months of supply — inside 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.

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 15 — so sales ran at 140% of it, and below it in 8 of the last 24 months.

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).

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: 141 in June 2026.

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

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: 118 in June 2026.

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