Market Overview
Home Prices in Pine Top, KY
The median home value in Pine Top, KY is $59,456 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 29.7% compared to a year ago and up 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pine Top are priced85% below average.
Over the past five years, Pine Top home values have fallen by approximately13.3%, reflecting softening conditions in this market.
Price History
Pine Top Home Price Trend
2020
$51,291
$51K
—
2021
$68,601
$69K
+33.7%
2022
$76,681
$77K
+11.8%
2023
$78,937
$79K
+2.9%
2024
$80,745
$81K
+2.3%
2025
$84,574
$85K
+4.7%
2026
$59,456
$59K
-29.7%
City Comparison
Pine Top vs. National Median
🏠 Pine Top
$59,456
National Median
$410,000
At $59,456, homes in Pine Top cost 85% below the national median of $410,000. This makes Pine Top a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pine Top?
20% Down Payment
$11,891
on $59,456
Monthly P&I
$310/mo
30-yr @ 6.8%
Total Monthly Est.
~$394/mo
incl. taxes & insurance
Income Needed
$15,760
gross annual (30% rule)
10% Down Option
$5,946
+ PMI applies
Loan Amount (20% dn)
$47,565
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 Pine Top, KY?
The median home value in Pine Top is $59,456 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 29.7% year-over-year.
How much have home prices changed in Pine Top?
Over the past year, home values in Pine Top have decreased by 29.7%. Over five years, prices have fallen approximately 13.3%.
How much do I need to earn to buy a home in Pine Top?
To comfortably afford the median home price of $59,456 with a 20% down payment ($11,891) at today's rates (6.8%), you'd need a gross annual income of approximately $15,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Pine Top compare to the national average home price?
The national median home value is approximately $410,000. At $59,456, homes in Pine Top are 85% below the national average.