States · North Carolina · Rutherford County

Spindale, North Carolina.

Typical home $152,766 (+3.5% in a year). Forest City, NC metro.

What it costs per month · Spindale $802/mo

to buy the typical home at today's mortgage rate — +$481 (+150%) since Jan 2020.

What the home itself did
1 year
Up $5,111 +3%
$147,654$152,766 since Sep 2025
5 years
Up $31,854 +26%
$120,912$152,766 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Spindale $802 North Carolina $1,743 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Spindale$802
  • North Carolina$1,743
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 15 years.

Typical home values in Spindale, NC rose 3.5% over the past year — faster than the nation's +1.2%.

Living in Spindale, Rutherford County, North Carolina

Spindale is a town of 4,225 people in Rutherford County. Half its households earn more than $41,262 a year and half less, against $51,410 across Rutherford County; 22% of its people live below the poverty line. 44% of its homes are lived in by their owners and 56% are rented. Unemployment in Rutherford County was 4.1% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.

People 4,225 in the 2020 census; median age 44.9
Household income $41,262 the median, give or take $5,636 · Rutherford County: $51,410
Unemployment 4.1% Rutherford County, August 2026; 5.0% a year before
Homes 44% lived in by their owners; 56% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Spindale is a small town in Rutherford County where the typical resident is older than in much of the country, and fewer adults hold a four-year degree than is common nationally. Incomes run below the county's, and fewer households own their homes than across the county as a whole, so renting is a familiar part of life here. Winters are cool, with January the coldest month and freezing nights, and summers are warm and fairly wet, with rain and melted snow adding up over the year.

Work. Many residents work in schools, hospitals and social care, followed by shops, factories, and restaurants, hotels and entertainment. Among the largest workplaces in town are Alliance Plastics, which makes septic tanks and other plastic and fiberglass goods, Isothermal Textile Services, a linen and laundry supplier, and Duke Energy. Most people have a moderate drive to work, and only a small number work from home. Across Rutherford County, jobs grew slightly last year and unemployment has eased compared with a year earlier.

Things to do. The Green River and Catheys Creek are both a short drive away, with plenty of room for time by the water. A longer drive brings you to Chimney Rock State Park, a protected area in the mountains, and to Hickory Nut Falls, one of the area's waterfalls. Together they make good day trips for anyone who likes being outdoors.

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  • 1,865households
  • 16%of adults have a degree
  • 22%below the poverty line
  • 25 mintypical commute
  • 9%work from home

What residents work in

  • Schools, hospitals and social care29%
  • Shops (retail)18%
  • Manufacturing14%
  • Restaurants, hotels and entertainment13%
  • Transport, warehouses and utilities10%
  • Other services5%

Employed residents by industry, from the Census survey. Rutherford County had 18,151 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 52° and 27°; warmest in July, 89° and 67° 20° 40° 60° 80° J 52° 27° F M A M J J 89° 67° A S O N D
Average daily high and low for each month: coldest in January, 52° and 27°; warmest in July, 89° and 67° 20° 40° 60° 80° J 52° 27° F M A M J J 89° 67° A S O N D

Coldest in January, with highs near 52° and lows near 27°; warmest in July, with highs near 89° and lows near 67°. About 52 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Forest City West weather station, 5 miles away (NOAA).

Largest workplaces in Spindale

  1. Alliance PlasticsSeptic tanks, plastics or fiberglass, manufacturing84
  2. Isothermal Textile ServicesLaundry services, linen supply54
  3. Watts - SpindaleGeneral warehousing and storage50
  4. Duke EnergyElectric power distribution44

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 232 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Strong windVery high
  2. Ice stormsRelatively high
  3. LightningRelatively high
  4. TornadoesRelatively high
  5. EarthquakesRelatively moderate
  6. Inland floodingRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Spindale’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Rutherford County and the Forest City, NC metro.

Spindale home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2018 2020 2022 2024 2026 Spindale $152,766 North Carolina $332,159 United States $366,157
$100,000 $200,000 $300,000 2018 2022 2026
  • Spindale$152,766
  • North Carolina$332,159
  • United States$366,157

Sellers are cutting prices on about 1 in 3 Spindale listings — the market is roughly in balance.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

20% 25% 30% 2026 Spindale 32.30% United States 26.90%
20% 25% 30% 2026
  • Spindale32.30%
  • United States26.90%

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

10 20 30 2018 2019 2020 2021 2022 2023 2024 2025 2026 Spindale 22
10 20 30 2018 2022 2026
  • Spindale22

New listings per month

Sellers arriving at the market.

Not enough data to draw this yet.

Zip codes with a Spindale address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Spindale — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Spindale