Pine Top, Kentucky.
Typical home $58,817 (-24.0% in a year).
to buy the typical home at today's mortgage rate — +$133 (+76%) since Jan 2020.
- 1 year
- Down $18,590 -24%
- $77,407$58,817 since Sep 2025
- 5 years
- Down $10,033 -15%
- $68,850$58,817 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 Top$309
- Kentucky$1,212
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Pine Top, KY fell 24.0% over the past year — slower than the nation's +1.2%.
Living in Pine Top, Knott County, Kentucky
The Census does not count Pine Top on its own, so the figures here are Knott County's. Half the county's households earn more than $41,761 a year and half less; 23% of the county's people live below the poverty line. 73% of the county's homes are lived in by their owners and 27% are rented. Unemployment in Knott County was 5.8% in August 2026, and the county had 2.4% more jobs in 2025 than the year before. The most people in Knott County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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 Top sits in Knott County, in the hill country of eastern Kentucky, part of the Appalachian region. Across the county, most homes are lived in by their owners, and homes are far less costly than across the country as a whole. Winters are cold and summers are warm, and the year is a wet one.
Work. Across Knott County, many people work in schools, hospitals and social care, in shops, in government, and in banks, insurance and property. Jobs grew a little over the past year, and unemployment has eased compared with a year before. Incomes sit below the country's, and more residents live below the poverty line than across the country.
Things to do. Carr Creek State Park, a protected area a short drive away, and Carr Creek Lake, a reservoir also a short drive away, are both close by. The Hindman Settlement School, a museum a short drive away, is another place to visit nearby. For a longer outing, Lilley Cornett Woods, a park a longer drive away, is worth the trip.
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- 5,521households
- 44.6median age
- 20%of adults have a degree
- 23%below the poverty line
- 27 mintypical commute
- 8%work from home
What people in Knott County work in
Employed residents by industry, from the Census survey. Knott County had 2,208 jobs in 2025, 2.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 24°; warmest in July, with highs near 82° and lows near 64°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Whitesburg 2SE weather station, 12 miles away (NOAA).
Largest workplaces in Knott County
- Knott County SchoolsSchool district377FTE
- Alice Lloyd CollegeUniversity or college116
- Thacker Grigsby Telephone CompanyLocal exchange112
- Thacker-Grigsby Telephone CoLocal exchange carrier112
- T.V. ServiceCable tv providers30
- Knott County Medical ClinicCommunity health centers and clinics, outpatient29
- Chfs DcbsState government23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 306 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (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
- LandslidesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Knott County, against the rest of the country; all of them together, relatively low. 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 Knott County.
Pine Top home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pine Top$58,817
- Kentucky$230,909
- United States$366,157
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.
Zip codes with a Pine Top address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pine Top — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.