HomeNorth CarolinaRutherford CountyRutherfordton
Rutherfordton, North Carolina: commercial real estate data.
Rutherfordton 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Rutherfordton, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
Counted by borrower city: approvals to borrowers whose address is in Rutherfordton, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rutherfordton
Flood risk in Rutherfordton
- NFIP communityTown of Rutherfordton
- NFIP community number370219
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/06/10
The Town of Rutherfordton participates in the National Flood Insurance Program as community 370219 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Rutherford County, not Rutherfordton
Rutherford County context, not Rutherfordton figures
- Establishments in Rutherford County1,289
- Covered employment, Rutherford County17,994
- Average annual pay, Rutherford County$48,125
- Housing units permitted, Rutherford County193
Every figure in this section is published for Rutherford County as a whole and is not a measurement of Rutherfordton.
All Rutherford County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $6.5 m since FY2020, across 9 lenders, median approval $350,000, plus 1 504 approvals worth $783,000 since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Rutherfordton in the National Flood Insurance Program?
Yes. Rutherfordton appears in the FEMA Community Status Book as Rutherfordton, town of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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