Market Overview
Home Prices in Ruth, NC
The median home value in Ruth, NC is $201,679 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6% compared to a year ago and down 7.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ruth are priced51% below average. Ruth is part of the Forest City, NC metro area.
Over the past five years, Ruth home values have risen by approximately17.5%, reflecting steady appreciation in this market.
Price History
Ruth Home Price Trend
2020
$145,256
$145K
—
2021
$171,648
$172K
+18.2%
2022
$193,059
$193K
+12.5%
2023
$199,272
$199K
+3.2%
2024
$205,775
$206K
+3.3%
2025
$190,326
$190K
-7.5%
2026
$201,679
$202K
+6.0%
City Comparison
Ruth vs. National Median
🏠 Ruth
$201,679
National Median
$410,000
At $201,679, homes in Ruth cost 51% below the national median of $410,000. This makes Ruth a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ruth?
20% Down Payment
$40,336
on $201,679
Monthly P&I
$1,052/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,336/mo
incl. taxes & insurance
Income Needed
$53,440
gross annual (30% rule)
10% Down Option
$20,168
+ PMI applies
Loan Amount (20% dn)
$161,343
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ruth, NC?
The median home value in Ruth is $201,679 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6% year-over-year.
How much have home prices changed in Ruth?
Over the past year, home values in Ruth have increased by 6%. Over five years, prices have risen approximately 17.5%.
How much do I need to earn to buy a home in Ruth?
To comfortably afford the median home price of $201,679 with a 20% down payment ($40,336) at today's rates (6.8%), you'd need a gross annual income of approximately $53,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Ruth compare to the national average home price?
The national median home value is approximately $410,000. At $201,679, homes in Ruth are 51% below the national average.
What metro area is Ruth part of?
Ruth is part of the Forest City, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.