First mortgage
Rutherford County Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Rutherford County
Buying a home in Rutherfordton, NC
1 Rutherfordton program and 6 statewide.Rutherfordton has 1 program of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Rutherfordton addresses
Rutherfordton’s own program
The Rutherfordton marketThe Rutherfordton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rutherfordton
- 77.5% single-familysingle-family
- 2.3% townhousetownhouse
- 9.9% 2–4 units2–4 units
- 8.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
About condos. Rutherfordton’s one local program does not list condos as eligible. Rutherford County Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rutherfordton’s homes were built
pre-19401970s2020+
51.6%
of Rutherfordton homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$77,200
County area median income, 4 people (HUD)HUD area median income, Rutherford County, 4-person household (2026)
$59,375
Rutherfordton median household incomeMedian household income in Rutherfordton (Census, 2024)
13 of the 69 programs here set their income limit as a share of Rutherford County’s area median income, adjusted for household size. See the published limits for Rutherford County
Free help nearbyFree help near Rutherfordton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Rutherfordton’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Rutherford County Habitat for Humanity Homeownership Program (SHLP) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Rutherfordton questions
Does Rutherfordton have its own down payment program?
Yes, one: Rutherford County Habitat for Humanity Homeownership Program (SHLP), a first mortgage (income limits). It is for homes inside Rutherfordton.
Can I use assistance on a condo in Rutherfordton?
Rutherfordton’s one local program does not list condos as eligible. Rutherford County Habitat for Humanity Homeownership Program (SHLP) lists single_family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Rutherford County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Rutherford County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Rutherfordton?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28139
Nearby in Rutherford
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.