HomeNorth CarolinaRutherford CountyRutherfordton town
Rutherfordton town, North Carolina: commercial real estate data.
Rutherfordton town is a Census town of 3,680 people across 4.15 square miles of land, in Rutherford County. Median household income is $59,375, 64.3 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $6.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Rutherfordton
What Rutherfordton is
- Census place typetown
- Land area4.15 sq mi
- Water area0 sq mi
- Population per square mile of land887
- County holding the largest share of its areaRutherford County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rutherfordton
How many people live in Rutherfordton
- Population3,680
- Median age38.9 plus or minus 8.4
- Population under 18793 plus or minus 222
- Share under 1821.5 percent plus or minus 6.0
- Population 65 and over978 plus or minus 253
- Share 65 and over26.6 percent plus or minus 6.9
- Households1,550
- Family households882
- Share of households that are families56.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rutherfordton
Income and work in Rutherfordton
- Median household income$59,375 plus or minus $13,689
- Per capita income$36,380 plus or minus $8,185
- Civilian labor force1,678
- Employed1,556
- Unemployed122 plus or minus 91
- Unemployment rate7.3 percent plus or minus 5.4
- Adults 25 and over2,750
- Adults 25 and over with a high school diploma or higher89.2 percent
- Adults 25 and over with a bachelor degree or higher35.0 percent plus or minus 9.4
- Adults 25 and over with a graduate degree10.6 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rutherfordton
Housing in Rutherfordton
- Housing units1,734
- Occupied units1,550
- Vacant units184 plus or minus 118
- Vacancy rate10.6 percent plus or minus 6.7
- Owner occupied997
- Renter occupied553 plus or minus 152
- Ownership rate64.3 percent
- Median owner-occupied home value$288,400 plus or minus $68,226
- Median gross rent, monthly$860
- Annual rent as a share of median income17.4 percent plus or minus 5.0
- Single family units1,383
- Share single family79.8 percent
- Units in buildings of two or more326 plus or minus 119
- Share in buildings of two or more18.8 percent plus or minus 6.5
- Mobile homes25 plus or minus 30
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rutherfordton
How Rutherfordton gets to work
- Workers 16 and over who commute1,318
- Commuting under 15 minutes632 plus or minus 204
- Share commuting under 15 minutes48.0 percent plus or minus 13.7
- Commuting 30 minutes or more396 plus or minus 165
- Share commuting 30 minutes or more30.0 percent plus or minus 11.7
- Drove alone75.6 percent
- Carpooled13.9 percent plus or minus 8.8
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home10.5 percent plus or minus 6.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rutherfordton
SBA loans in Rutherfordton (7(a))
- Approvals15
- Gross approval$6,456,300
- Average approval$430,420
- Median approval$350,000
- Ninetieth percentile approval$1,255,000
- Largest approval$1,400,000
- Jobs supported556
- Jobs per approval37.1
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more46.7 percent
- Share to franchises0.0 percent
- Distinct lenders9
- Distinct industries by NAICS12
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Rutherfordton
SBA loans in Rutherfordton (504)
- Approvals1
- Gross approval$783,000
- Average approval$783,000
- Median approval$783,000
- Largest approval$783,000
- Jobs supported30
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rutherfordton
Flood risk in Rutherfordton
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370219
- Currently effective map date01/06/10
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Rutherford County, not Rutherfordton
Rutherford County context, not Rutherfordton figures
These are Rutherford County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Rutherfordton measurements.
- Establishments in Rutherford County1,289
- Employment at those establishments, Rutherford County16,815
- Covered employment, Rutherford County17,994
- Average annual pay, Rutherford County$48,125
- Average weekly wage, Rutherford County$925
- Housing units permitted, Rutherford County193
- Of those, single family, Rutherford County191
- County product, 2024, Rutherford County$2,490,130,000
- County product change over the prior year, Rutherford County3.8 percent
- Average income of an arriving household, Rutherford County$65,446
Every figure in this section is published for Rutherford County as a whole and is not a measurement of Rutherfordton. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Rutherfordton questions, answered from the record.
How many people live in Rutherfordton, North Carolina?
3,680, in 1,550 households. Rutherfordton town covers 4.15 square miles of land, which is 887 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rutherfordton in?
Rutherford County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Rutherfordton?
$59,375. The median owner-occupied home is valued at $288,400. Median gross rent is $860 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rutherfordton businesses?
15 7(a) approvals totalling $6.5 m, across 9 lenders, median approval $350,000, plus 1 504 approvals worth $783,000. These count approvals to borrowers whose address is in Rutherfordton, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rutherfordton borrowers get paid back?
No rate is published for Rutherfordton. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Rutherfordton in the National Flood Insurance Program?
Yes. Rutherfordton appears in the FEMA Community Status Book as community 370219, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Rutherfordton figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Rutherford County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Rutherfordton.
Is zoning published for Rutherfordton?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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