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Featured local agent — Ruffin, NC
Sarah Mitchell
Compass Real Estate · Ruffin, NC
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Ruffin, NC Housing Market
The typical home in Ruffin, NC is worth $202,705, rose 0.8% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $270,000 (through May 2026). With homes going under contract in about 125 days, Ruffin is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $202,705 home is about $1,082/mo in principal and interest.
Key numbers for Ruffin, NC
Typical home value
$202,705
+0.8% in 12 months
Zillow, August 2026
Median sale price
$270,000
Last published period
Redfin, through February 2026
Days on market
125
Slow-moving
Redfin, through February 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
94.7%
Selling below asking
Redfin, through February 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Ruffin a buyer's or seller's market?
Ruffin, NC is a buyer's market and homes selling in about 125 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Ruffin housing market data show?
Every row below is Redfin's final published month for Ruffin, NC. Redfin, through February 2026
| Metric | Value |
|---|---|
| Median sale price | $270,000 |
| Median price per sq ft | $171/sq ft |
| Median days on market | 125 days |
| Sale-to-list price ratio | 94.7% |
| Homes sold (that month) | 1 |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Ruffin is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Ruffin is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Ruffin home prices moved?
Across the 13 months we hold for Ruffin, NC, the median sale price fell 64.2%, from $755,000 in June 2021 to $270,000. The live Zillow value series has rose 0.8% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through February 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Ruffin?
Priced off the typical home value of $202,705 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $40,541 | $162,164 | $1,082/mo |
| 5% | $10,135 | $192,570 | $1,285/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,082, that implies roughly $46,378 a year before you add taxes and insurance. We do not hold a Census income figure for Ruffin, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Ruffin in the next 12 months?
Tell us your timeline. We send the Ruffin market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Ruffin?
Zillow does not publish a rent index (ZORI) for Ruffin, NC, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Ruffin?
Active listings in Ruffin, NC went from 4 in June 2021 to 1 in January 2025, a -75.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2021 | 4 | not published |
| October 2021 | 3 | not published |
| April 2022 | 1 | not published |
| August 2022 | 1 | not published |
| April 2023 | 1 | not published |
| May 2023 | 1 | not published |
| September 2024 | 1 | 1 |
| January 2025 | 1 | not published |
Redfin, through January 2025
How does Ruffin compare to North Carolina and the U.S.?
Ruffin homes sell for $270,000 — 32% below the North Carolina median of $397,600. Against the national median of $410,700, Ruffin runs 34% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Ruffin, NC | $270,000 | not published | 125 days |
| North Carolina statewide | $397,600 | +2.1% | 52 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through February 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Ruffin
What buyers should watch
- The gap between 5% and 20% down here is $203 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $202,705 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Ruffin listing goes under contract in 125 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 94.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved +0.8% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Ruffin varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Ruffin
Explore homes currently listed for sale in Ruffin, North Carolina across major real estate platforms.
How much do homes cost in Ruffin by property type?
How the Ruffin, NC market breaks down across single-family homes, condos and townhouses. Redfin, through February 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $270,000 | $171/sq ft | 1 | 125 days |
Who lives in Ruffin?
American Community Survey estimates for Ruffin. U.S. Census ACS, 2023
Population
501
Households
235
Median age
38 years
Owner-occupied
73.6%
Median home value
$119,700
Mean commute
29 min
73.6% of occupied homes in Ruffin are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $119,700 against Zillow's $202,705 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Ruffin?
1 schools tracked · 300 students
The largest public schools serving Ruffin, NC by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Lincoln Elementary
Grades PK-5 · 300 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Ruffin, NC?
Ordered by distance from Ruffin, not by size. Compare Ruffin side by side with any of them.
Ruffin housing market FAQ
Is Ruffin a buyer's or seller's market?
Ruffin, NC is currently a buyer's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Ruffin?
The typical home in Ruffin, NC is worth $202,705 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $270,000, about $171 per square foot.
Is Ruffin cheaper than the rest of North Carolina?
Ruffin's median sale price of $270,000 is 32% lower than the North Carolina statewide median of $397,600, and 34% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Ruffin?
Homes in Ruffin, NC spent a median of 125 days on market before going under contract, versus 52 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Ruffin?
At the current 30-year fixed rate of 7.03%, 20% down on a $202,705 home is about $1,082 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $46,378 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Ruffin?
The typical home value in Ruffin, NC rose 0.8% over the last 12 months, from $201,143 to $202,705 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Ruffin?
Ruffin ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Ruffin?
That depends on your timeline, not on a headline. What the data says today: Ruffin, NC is a buyer's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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