Pine Top, KY
41843 · Pine Top, KY has a HavenScore of 34 — growth is the soft spot — population, income, and price trends point the wrong way.
The buyer/seller gauge leans narrowly toward buyers, and has for 3 months. Typical values moved lower over the last 90 days (Zillow ZHVI). The cautious band reflects the longer-run affordability and risk picture; the buyer lean is the near-term negotiating climate, and the two can differ.
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Zillow ZHVI peaked at $90,352 in Jun 2025; the latest value is -29.5% from that peak, 13 months on. Since January 2019 it is +65.0%. The sharpest 12-month move was -29.1%, ending Jun 2026.
This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Snapshot
Numbers at a glance, with a year of history under each
Place
What it is like to live here, and what could flood or burn
Bands are each source’s own · tick marks the national median ZIP · not blended into the score
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 11 scored ZIPs in Knott County
What drives the score
Five pillars, each scored 0–100
Market signals
Tailwinds and headwinds right now
- Declining prices-28.0% year-over-year
- Population outflow-34.4% net — people leaving
- Slow-moving market102 days on market — homes sitting longer
Market conditions
Leaning Buyer
Conditions are easing in buyers' favor. The score reads more negotiation room than balanced.
Cycle read. Softening: prices -28.0% over the trailing year, with the market leaning toward buyers.
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
Momentum check
What's changed in the last 90 days
Trend
Where it's been
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Monthly cost
What you'd owe each month
20% down · 30-yr fixed · 6.71% · tax 0.83%
Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Run the numbers
Your price, rate, down payment and income
Like for like: a 3-bedroom here rents for about $1,150 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $104k (Zillow ZHVI by bedroom) — a 13.2% gross rent yield.
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Comparable ZIPs
Same shape, lower entry
ZIPs the score groups near 41843 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
- Saves $10k
- Longer commute (+5 min)
- Similar walkability
- Higher hazard risk
- Saves $17k
- Higher hazard risk
- Saves $10k
- Longer commute (+6 min)
- Similar walkability
- Higher hazard risk
- Similar price
- Shorter commute (−13 min)
- Similar walkability
- Similar hazard risk
Sources
Every number, traced
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
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