Pine County, Minnesota home prices
Typical home $261,692 · +5.1% in a year · property tax 0.86%
The typical home in Pine County is worth $261,692, 25% less than the Minnesota typical home ($348,778). Values changed +5.1% in the past year and +30.7% over five years. Homeowners here pay a median 0.86% of their home's value in property tax each year ($2,262 on the typical home), versus 1.04% statewide.
Mortgage on the typical Pine County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,338 | $209,354 | $1,408 | $0 | $319 | $1,728 | $74,000 |
| 10% down | $26,169 | $235,523 | $1,584 | $98 | $319 | $2,002 | $85,800 |
| 5% down | $13,085 | $248,608 | $1,672 | $104 | $319 | $2,095 | $89,800 |
| 3.5% down (FHA) | $9,159 | $256,953 | $1,729 | $116 | $319 | $2,164 | $92,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Minnesota.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Beltrami County | $263,076 | +2.7% | 0.97% |
| Rock County | $263,653 | +3.4% | 0.71% |
| Waseca County | $259,153 | +2.5% | 1.18% |
| Todd County | $265,621 | +6.8% | 0.95% |
| Saint Louis County | $255,915 | +5.6% | 1.03% |
| Murray County | $254,869 | +8.2% | 0.79% |
| Kanabec County | $270,028 | +5.7% | 1.13% |
| Polk County | $253,192 | +5.9% | 1.01% |
| Clearwater County | $248,962 | +11.2% | 0.67% |
| Lake County | $275,583 | +3.7% | 0.73% |
Frequently asked questions
What is the average home price in Pine County, MN?
The typical home value in Pine County is $261,692 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pine County?
About $74,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pine County?
The median effective rate is 0.86% of home value a year (Census ACS 2024 5-year estimates).