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Single Family ResidentialResidential
$297,431$231 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

861 S MAIN ST

RUTHERFORDTON, NC 28139
2
Beds
1
Baths
1,288 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$297K
$246K low$349K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$247,431
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$197,945
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.19%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
MISCELLANEOUS GOVT AGCY · recorded Jun 15, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,290 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$129,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$106,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$129,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyRUTHERFORD
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1968
Lot (acres)The size of the land the home sits on, from county records.1.50
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 180 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rutherfordton Elementary SchoolC+
Elementary · Grades PK–5 · 0.9 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 1.8 mi
H
Rutherford Early College High SchoolA-
High · Grades 9–12 · 2.9 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

861 S Main St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 74% of homes in Rutherfordton 28139
  • Smaller than 69% of homes in Rutherfordton 28139
  • Older than 77% of homes in Rutherfordton 28139

What homes are worth in Rutherfordton 28139

Each bar is how many homes fall in that price range. The marker is this home.

This home
$67K$848K

This home is worth more than 52% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$297,431
CheaperTypical $289,049Pricier

Pricier than 52% of homes nearby

Price per ft²$231
CheaperTypical $179Pricier

Pricier than 74% of homes nearby

Living area1,288 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 31% of homes nearby

Lot size1.5 ac
SmallerTypical 1.8 acBigger

Bigger than 46% of homes nearby

Year built1955
OlderTypical 1985Newer

Newer than 23% of homes nearby

How 861 S Main St ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$297,43152% of homes61% of homes
Price per ft²pricier than$23174% of homes74% of homes
Living areabigger than1,288 ft²31% of homes38% of homes
Lot sizebigger than1.5 ac46% of homes60% of homes
Year builtnewer than195523% of homes25% of homes

About 861 S Main St

How much is 861 S Main St, Rutherfordton, NC worth?

The TopHap Estimate for 861 S Main St, Rutherfordton, NC is $297,431 as of Jul 14, 2026. The likely range is $245,692 to $349,170. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 861 S Main St, Rutherfordton, NC last sell?

861 S Main St, Rutherfordton, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 861 S Main St, Rutherfordton, NC?

861 S Main St, Rutherfordton, NC has 2 bedrooms, 1 bathrooms, 1,288 square feet of living space and a 1.50-acre lot.

When was 861 S Main St, Rutherfordton, NC built?

861 S Main St, Rutherfordton, NC was built in 1955, making it 71 years old. It is a ranch home. The building has 1 story.

What schools serve 861 S Main St, Rutherfordton, NC?

861 S Main St, Rutherfordton, NC is assigned to Rutherfordton Elementary School (elementary), rated C+; R-S Middle School (middle), rated C-; Rutherford Early College High School (high), rated A-. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 861 S Main St, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 52% of them ($297,431 against a typical $289,049), its price per square foot is higher than 74% of them ($231 against a typical $179), it is bigger than 31% of them (1,288 ft² against a typical 1,536 ft²), its lot is bigger than 46% of them (1.5 ac against a typical 1.8 ac) and it is newer than 23% of them (1955 against a typical 1985). Measured against all of Rutherford County, it is worth more than 61% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 861 S Main St, Rutherfordton, NC?

The 2025 property tax bill for 861 S Main St, Rutherfordton, NC was $1,290. The county assessed it at $129,200.

Closest homes

More homes in Rutherfordton 28139

Assigned schools

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