Market Overview
Home Prices in Pine City, NY
The median home value in Pine City, NY is $209,489 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.5% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pine City are priced49% below average. Pine City is part of the Elmira, NY metro area.
Price History
Pine City Home Price Trend
2024
$192,433
$192K
—
2025
$196,744
$197K
+2.2%
2026
$209,489
$209K
+6.5%
City Comparison
Pine City vs. National Median
🏠 Pine City
$209,489
National Median
$410,000
At $209,489, homes in Pine City cost 49% below the national median of $410,000. This makes Pine City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pine City?
20% Down Payment
$41,898
on $209,489
Monthly P&I
$1,093/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,388/mo
incl. taxes & insurance
Income Needed
$55,520
gross annual (30% rule)
10% Down Option
$20,949
+ PMI applies
Loan Amount (20% dn)
$167,591
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 City, NY?
The median home value in Pine City is $209,489 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.5% year-over-year.
How much have home prices changed in Pine City?
Over the past year, home values in Pine City have increased by 6.5%.
How much do I need to earn to buy a home in Pine City?
To comfortably afford the median home price of $209,489 with a 20% down payment ($41,898) at today's rates (6.8%), you'd need a gross annual income of approximately $55,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Pine City compare to the national average home price?
The national median home value is approximately $410,000. At $209,489, homes in Pine City are 49% below the national average.
What metro area is Pine City part of?
Pine City is part of the Elmira, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.