Pine County, MN Average Home Price (2026)
The average home price in Pine County, Minnesota is about $246,000 (the 2026 median across 10 ZIP codes, at ~$192/sq ft) — 17% more affordable than the Minnesota median and 15% more affordable than the typical U.S. home.
How Pine County compares
Pine County is about average for housing nationally: its typical home costs $246,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $195,000 to $300,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Pine County | $246,000 | $192 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Pine County home prices by ZIP code
The 10 most valuable ZIP codes in Pine County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 55030 Grasston | $300,000 | $268 | +22% |
| 55063 Rock Creek | $297,000 | $212 | +21% |
| 55735 Finlayson | $275,000 | $193 | +12% |
| 55783 Sturgeon Lake | $272,000 | $300 | +11% |
| 55795 Willow River | $251,000 | $190 | +2% |
| 55704 Bruno | $241,000 | $127 | -2% |
| 55072 Sandstone | $229,000 | $168 | -7% |
| 55712 Bruno | $226,000 | $247 | -8% |
| 55756 Kerrick | $219,000 | $115 | -11% |
| 55037 Hinckley | $195,000 | $181 | -21% |
Home value appreciation in Pine County
Home prices in Pine County have risen about 99% over the last 10 years (≈7.1% a year) and +56.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $246,000 today was worth roughly $123,494 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Minnesota is +71.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Pine County
Run the numbers for Pine County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Pine County
To buy the typical $246,000 home in Pine County with 20% down, you need a household income of roughly $67,000 a year (about $1,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $80,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,300 | $1,940/mo | $83,000/yr |
| 10% (+PMI) | $24,600 | $1,860/mo | $80,000/yr |
| 20% | $49,200 | $1,560/mo | $67,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Pine County
At about $192 per square foot, here is roughly how much home different budgets get you in Pine County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 780 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1040 sq ft | around the typical home here |
| $250k | 1300 sq ft | around the typical home here |
| $300k | 1560 sq ft | around the typical home here |
| $400k | 2080 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Minnesota.
Estimate a specific home in Pine County
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Pine County home prices: frequently asked
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Browse all Minnesota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.