ZIP Code 89402 — Crystal Bay CDP, NV Demographics & Data

ZIP code 89402 covers Crystal Bay, NV in Washoe County with a population of about 135.

At a glance, the area shows median age of 72.8 versus a U.S. median of about 38.9.

It sits in telephone area code 775; U.S. House district NV-2; the RENO media market.

Crystal Bay, NV reads as a military / base-oriented community on US5’s intent model (elevated veteran share (22.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 89402 is about $250,001 — about 233% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; 76.3% of adults with a bachelor’s degree or higher (about 42.6 points above the national share (33.7%)).

Median home value is about $2,000,001 — about 475% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.0% (about 25.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89402 in Crystal Bay, NV, a household would need roughly $551,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $12,847. That is about 120% above the local median household income ($250,001), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Crystal Bay CDP, NV as Relatively High (composite score 96.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.0) and flood (94.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Crystal Bay CDP, NV show little to no average snow.

IRS migration statistics show a net inflow of about 5 for ZIP 89402 (Crystal Bay CDP, NV) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.