Pine, Arizona.
Typical home $480,642 (-0.8% in a year). Payson, AZ metro.
to buy the typical home at today's mortgage rate — +$1,489 (+144%) since Jan 2020.
- 1 year
- Down $4,112 -1%
- $484,754$480,642 since Sep 2025
- 5 years
- Up $83,918 +21%
- $396,724$480,642 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Pine$2,523
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Pine, AZ fell 0.8% over the past year — slower than the nation's +1.2%.
Living in Pine, Gila County, Arizona
Pine, in Gila County, had 1,953 people in the 2020 census. Unemployment in Gila County was 5.0% in August 2026, and the county had 4.0% fewer jobs in 2025 than the year before. The most people in Gila County work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Pine is a small mountain community whose residents are older than in most American towns, and many people here have settled in for retirement. Homes are valued well above what is typical nationally, and a four-year degree is held by a fair share of adults. Winters are cold, with chilly days and nights that dip below freezing, while summers are warm rather than hot, and the year brings a modest amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, in restaurants, hotels and entertainment, in shops, and in the building trades. Across Gila County, the largest workplaces include Freeport McMoRan, Gila County Government and Cobre Valley REG. Medical Center. Unemployment across the county is higher than a year ago, and there are fewer jobs than there were the year before.
Things to do. Tonto Natural Bridge State Park, a protected area, and Fossil Springs Wilderness, also protected land, are both a short drive away and suit a day outdoors. Farther afield, Montezuma Castle National Monument is an archaeological site a longer drive away, and it makes a good full-day outing.
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- 29%of adults have a degree
- 6%below the poverty line
What people in Gila County work in
Employed residents by industry, from the Census survey. Gila County had 15,339 jobs in 2025, 4.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 53° and lows near 30°; warmest in July, with highs near 91° and lows near 65°. About 22 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Natural Brg weather station, 4 miles away (NOAA).
Largest workplaces in Gila County
- Freeport McMoRanCopper smelting and rod milling911
- Gila County GovernmentBoards of supervisors, county and local473
- Cobre Valley Reg. Medical CenterCritical access hospital343FTE
- Whiteriver Unified District (4394)School district304FTE
- Payson Unified District (4209)School district297FTE
- WalmartWarehouse clubs and supercenters286
- Apache Gold CasinoCasino with hotel273
- San Carlos Unified District (4210)School district265FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 26 workplaces with 20 or more staff, 3,792 people in all across the county; Pine has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireVery high
- Inland floodingVery high
- LightningVery high
- Winter weatherRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pine’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Gila County and the Payson, AZ metro.
Pine home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pine$480,642
- Arizona$416,733
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Pine listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Pine25.51%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Pine110
New listings per month
Sellers arriving at the market.
- Pine19
Zip codes with a Pine address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pine — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.