Pine City, NY—14871
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Pine City, NY
As of Oct '25, the median home price in Pine City, NY is $194,000, with a year-over-year change of 2.4%. This indicates that home prices in Pine City, NY are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $194,000 | 2.4% |
| Single Family | $194,000 | 2.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $140,000 | 2.2% |
3 Bed | $197,000 | 2.6% |
4 Bed | $246,000 | 3.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Pine City, NY
As of July '25, Rentcast reports the average rent in Pine City, NY is $1,350, with a year-over-year rent change of -6.9%. Per bedroom, the median rent as of July '25 in Pine City, NY is 2-bedrooms: $1,350. The most common rental property sizes in Pine City, NY are 3-bedroom and 2-bedroom, accounting for 39.1% and 27.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,350 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,350 | $1,350 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Pine City, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Pine City, NY is 67. This is a increase of 1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $237,000 | 6.0% |
Listing Count | 26 | 30.0% |
| Listings as % of Homes | 0.8% | 30.0% |
Days on Market | 67 | 1.0% |
Demographics — Pine City, NY
As of the latest ACS Survey released in 2023, Pine City, NY has a population of 4,500, which has decreased by -7.8% over the past 5 years. Pine City, NY is a moderately popular place for families, as children make up 22.1% of the population. The area has a poorly educated workforce, with 23.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,500 | -7.8% |
% Under 18 | 22.1% | 36.4% |
% Seniors | 25.6% | 3.2% |
% WFH | 2.5% | 108.3% |
% w/ College Degree | 23.7% | 6.8% |
As of the latest ACS Survey released in 2023, Pine City, NY is a predominantly white area, with 97.8% of the population identifying as white. The white population has grown by 6.3% in the last 5 years. The second most common race or ethnicity in Pine City, NY is black, making up 0.2% of the population. Foreign-born residents account for 1.4% of the population in Pine City, NY, and this percentage has increased by 27.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 97.8% | 6.3% |
% Black | 0.2% | -95.5% |
% Hispanic | 0.2% | -92.0% |
% Asian | 0.1% | 0.0% |
% Foreign Born | 1.4% | 27.3% |
Mortgage and Risk — Pine City, NY
According to HUD data as of 2023, there were 67 mortgage originations in Pine City, NY, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Pine City, NY. Investor activity is low, as 0.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 67 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Pine City, NY
Pine City, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 2.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,070 |
| 2 Bedroom | $40 | $1,350 | $1,390 |
| 3 Bedroom | N/A | N/A | $1,770 |
| 4 Bedroom | N/A | N/A | $1,900 |
Affordability — Pine City, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $194,000 |
| Median Household Income | $76,400 |