ZIP Code 89408 — Fernley city, NV Demographics & Data

ZIP code 89408 covers Fernley, NV in Churchill County with a population of about 24,025.

At a glance, the area shows median age of 35.7 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.

Median household income in ZIP 89408 is about $87,723 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.3%; unemployment rate near 5.3%; 15.7% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Food services; about 5.0% of workers reporting work-from-home (about 10.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $352,600 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,225 (about 5% above the U.S. median rent ($1,163)), and owner-occupancy near 70.4% (about 5.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89408 in Fernley, NV, a household would need roughly $97,000 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 $2,265. That is roughly in line with the local median household income ($87,723). 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 Fernley city, NV as Relatively Low (composite score 47.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (64.5) and flood (53.2). 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 Fernley city, NV show little to no average snow and around 4.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 898 for ZIP 89408 (Fernley city, 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.