New Listing
2
$7,500
19605 Cottonwood St
Pine Mountain Lake, CA 95321
Land16,988 sqft lot
Linda Willhite · PINE MTN LAKE REALTY
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Pine Mountain Lake, CA Housing Market
Buyer's market-24.0% YoY
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The last median sale price Redfin published was $288,000, -24.0% year over year (through May 2026). With 10.4 months of supply and homes going under contract in about 29 days, Pine Mountain Lake is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $288,000 home is about $1,481/mo in principal and interest.
Key numbers for Pine Mountain Lake, CA
Median sale price
$288,000
-24.0% year over year
Redfin, through May 2026
Days on market
29
Average pace
Redfin, through May 2026
Active listings
94
10.4 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$68,000
Home costs 4.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
96.4%
Selling below asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Pine Mountain Lake a buyer's or seller's market?
Buyer's market10.4 months of supply29 days on market96.4% of asking
Pine Mountain Lake, CA is a buyer's market, based on 10.4 months of supply and homes selling in about 29 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Pine Mountain Lake housing market data show?
Every row below is Redfin's final published month for Pine Mountain Lake, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $288,000 |
| Median list price | $394,500 |
| Year-over-year price change | -24.0% |
| Median price per sq ft | $203/sq ft |
| Median days on market | 29 days |
| Active inventory | 94 listings |
| Months of supply | 10.4 months |
| Sale-to-list price ratio | 96.4% |
| Homes sold (that month) | 9 |
| New listings (that month) | 24 |
| Listings with a price cut | 31.9% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Pine Mountain Lake is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Pine Mountain Lake is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Pine Mountain Lake home prices moved?
Over the last three years the median sale price in Pine Mountain Lake, CA fell 33.3%, from $432,000 to $288,000. 31.9% of Pine Mountain Lake listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 10.4 months while the sale-to-list ratio slips below its current 96.4%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Pine Mountain Lake?
Priced off the median sale price of $288,000 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $57,600 | $230,400 | $1,481/mo |
| 5% | $14,400 | $273,600 | $1,758/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,481, that implies roughly $63,455 a year before you add taxes and insurance. The median household in Pine Mountain Lake earns $68,000, about $4,545 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 4.2x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Pine Mountain Lake in the next 12 months?
Tell us your timeline. We send the Pine Mountain Lake market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Pine Mountain Lake?
Zillow does not publish a rent index (ZORI) for Pine Mountain Lake, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Pine Mountain Lake?
Active listings in Pine Mountain Lake, CA went from 107 in May 2025 to 94 in May 2026, a -12.1% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 104 | 15 |
| July 2025 | 103 | 15 |
| August 2025 | 101 | 18 |
| September 2025 | 95 | 10 |
| October 2025 | 80 | 9 |
| November 2025 | 68 | 7 |
| December 2025 | 60 | 8 |
| January 2026 | 59 | 11 |
| February 2026 | 57 | 8 |
| March 2026 | 65 | 22 |
| April 2026 | 90 | 36 |
| May 2026 | 94 | 24 |
Redfin, through May 2026
How does Pine Mountain Lake compare to California and the U.S.?
Pine Mountain Lake homes sell for $288,000 — 68% below the California median of $887,400. Against the national median of $410,700, Pine Mountain Lake runs 30% lower. Year-over-year, Pine Mountain Lake moved -24.0% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Pine Mountain Lake, CA | $288,000 | -24.0% | 29 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Pine Mountain Lake
What buyers should watch
- Months of supply, currently 10.4. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 31.9%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $278 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $288,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Pine Mountain Lake listing goes under contract in 29 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 96.4% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Pine Mountain Lake added 24 new listings against 9 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside Pine Mountain Lake varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Pine Mountain Lake
There are currently 94 homes listed for sale in Pine Mountain Lake, California. The median listing price is $395K. Featured listings range from $7,500 to $1,100,000.
New Listing
37
$9,900
19626 Cottonwood St
Pine Mountain Lake, CA 95321
Land10,454 sqft lot
Eleda Carlson · PINE MTN LAKE REALTY
View photos & details
New Listing
$35,000
18890 Sean Patrick Ln
Pine Mountain Lake, CA 95321
Land7,840 sqft lot
Linda Willhite · PINE MTN LAKE REALTY
View photos & details
New Listing
31
$57,500
12549 Mount Jefferson St
Pine Mountain Lake, CA 95321
Land13,068 sqft lot
Eleda Carlson · PINE MTN LAKE REALTY
View photos & details
New Listing
38
$315,000
20790 Ferretti Rd
Pine Mountain Lake, CA 95321
3 bd2 ba1,097 sqft$287/ft²
House42,253 sqft lot
Jessica Newitt · Yosemite Realty
View photos & details
New Listing
53
$315,000
12707 Junipero Serra Way
Pine Mountain Lake, CA 95321
3 bd3 ba2,150 sqft$147/ft²
Townhouse1,307 sqft lot
Steven Zagaris · PMZ Real Estate
View photos & details
New Listing
70
$369,000
12759 Cresthaven Dr
Pine Mountain Lake, CA 95321
3 bd2 ba1,415 sqft$261/ft²
House35,284 sqft lot
Gina Hernandez · PAUL S. BUNT, REAL ESTATE
View photos & details
New Listing
29
$387,500
20701 Point View Dr
Pine Mountain Lake, CA 95321
3 bd2 ba1,600 sqft$242/ft²
House13,504 sqft lot
Linda Willhite · PINE MTN LAKE REALTY
View photos & details
New Listing
92
$399,000
20160 Pleasantview Dr
Pine Mountain Lake, CA 95321
2 bd3 ba1,446 sqft$276/ft²
House10,454 sqft lot
Gina Hernandez · PAUL S. BUNT, REAL ESTATE
View photos & details
New Listing
24
$429,000
20783 Nonpareil Way
Pine Mountain Lake, CA 95321
2 bd3 ba2,025 sqft$212/ft²
House39,640 sqft lot
Linda Willhite · PINE MTN LAKE REALTY
View photos & details
New Listing
62
$595,000
20892 McKinley Way
Pine Mountain Lake, CA 95321
3 bd2 ba2,240 sqft$266/ft²
House1.52 acres
Andrew Rietveld · Yosemite Region Real Estate
View photos & details
New Listing
28
$1,100,000
20820 Elderberry Way
Pine Mountain Lake, CA 95321
3 bd3 ba1,801 sqft$611/ft²
House1.13 acres
Jonathan Minerick · Homecoin.com
View photos & details
Looking to buy in Pine Mountain Lake?
Get connected with a local real estate expert — free, no obligation.
Active listings
94
Homes on market
Median list price
$395K
Avg. days on market
29
Days until sale
New this week
24
Newly listed
Price drops:31.9%of listings
Sale-to-list:96.4%
How much do homes cost in Pine Mountain Lake by property type?
How the Pine Mountain Lake, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $360,000 | $223/sq ft | 7 | 29 days |
| Condo / co-op | $180,000 | $179/sq ft | 1 | 15 days |
| Townhouse | $285,000 | $140/sq ft | 1 | 73 days |
Who lives in Pine Mountain Lake?
American Community Survey estimates for Pine Mountain Lake. U.S. Census ACS, 2023
Population
2,758
Households
1,262
Median income
$68,000/yr
Median age
61.5 years
Owner-occupied
89.5%
Median home value
$381,000
Median gross rent
$1,488/mo
Mean commute
35.1 min
89.5% of occupied homes in Pine Mountain Lake are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Pine Mountain Lake, CA?
Ordered by distance from Pine Mountain Lake, not by size. Compare Pine Mountain Lake side by side with any of them.
Which ZIP codes are in Pine Mountain Lake?
These are the ZIP codes we see on active Pine Mountain Lake listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Pine Mountain Lake housing market FAQ
Is Pine Mountain Lake a buyer's or seller's market?
Pine Mountain Lake, CA is currently a buyer's market. That read comes from 10.4 months of supply, homes going under contract in about 29 days, and sellers getting 96.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Pine Mountain Lake?
The median sale price in the last month Redfin published was $288,000, about $203 per square foot.
Is Pine Mountain Lake cheaper than the rest of California?
Pine Mountain Lake's median sale price of $288,000 is 68% lower than the California statewide median of $887,400, and 30% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Pine Mountain Lake?
Homes in Pine Mountain Lake, CA spent a median of 29 days on market before going under contract, versus 33 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Pine Mountain Lake?
At the current 30-year fixed rate of 6.66%, 20% down on a $288,000 home is about $1,481 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $63,455 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $68,000.
Are home prices rising in Pine Mountain Lake?
Redfin's last published year-over-year change for Pine Mountain Lake, CA was -24.0%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Pine Mountain Lake?
Pine Mountain Lake ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Pine Mountain Lake?
That depends on your timeline, not on a headline. What the data says today: Pine Mountain Lake, CA is a buyer's market with 10.4 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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