Rutherford, TN—38369
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rutherford, TN
As of Oct '25, the median home price in Rutherford, TN is $141,000, with a year-over-year change of 1.4%. This indicates that home prices in Rutherford, TN are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $141,000 | 1.4% |
| Single Family | $141,000 | 2.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Rutherford, TN
As of July '25, Rentcast reports the average rent in Rutherford, TN is $850, with a year-over-year rent change of -2.9%. Per bedroom, the median rent as of July '25 in Rutherford, TN is 2-bedrooms: $800, 3-bedrooms: $900. The most common rental property sizes in Rutherford, TN are 3-bedroom and 2-bedroom, accounting for 59.2% and 34.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $800 | $850 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $800 | $800 |
| 3 Bed Rent | $900 | $900 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Rutherford, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Rutherford, TN is 87. This is a increase of 70.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $169,000 | -8.0% |
Listing Count | 12 | 28.0% |
| Listings as % of Homes | 0.9% | 28.0% |
Days on Market | 87 | 70.0% |
Demographics — Rutherford, TN
As of the latest ACS Survey released in 2023, Rutherford, TN has a population of 1,640, which has decreased by -5.3% over the past 5 years. Rutherford, TN is a moderately popular place for families, as children make up 21.3% of the population. The area has a poorly educated workforce, with 20.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,640 | -5.3% |
% Under 18 | 21.3% | -4.5% |
% Seniors | 27.6% | 49.2% |
% WFH | 5.3% | 3.9% |
% w/ College Degree | 20.4% | 119.4% |
As of the latest ACS Survey released in 2023, Rutherford, TN is a predominantly white area, with 80.6% of the population identifying as white. The white population has shrunk by 9.7% in the last 5 years. The second most common race or ethnicity in Rutherford, TN is black, making up 7.0% of the population. Foreign-born residents account for 0.9% of the population in Rutherford, TN, and this percentage has decreased by 50.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 80.6% | -9.7% |
% Black | 7.0% | 1.4% |
% Hispanic | 1.2% | 0.0% |
% Asian | 0.7% | ∞% |
% Foreign Born | 0.9% | -50.0% |
Mortgage and Risk — Rutherford, TN
According to HUD data as of 2023, there were 47 mortgage originations in Rutherford, TN, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Rutherford, TN. Investor activity is low, as 13.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 47 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 13.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Rutherford, TN
Rutherford, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $700 |
| 2 Bedroom | $100 | $800 | $900 |
| 3 Bedroom | $360 | $900 | $1,260 |
| 4 Bedroom | N/A | N/A | $1,510 |
Affordability — Rutherford, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $141,000 |
| Median Household Income | $50,700 |