ZIP Code 89428 — Silver City CDP, NV Demographics & Data

ZIP code 89428 covers Silver City, NV in Lyon County with a population of about 124.

At a glance, the area shows median age of 25.8 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.

Median household income in ZIP 89428 is about $78,125 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 29.2% of adults with a bachelor’s degree or higher (about 4.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 29.0% of workers reporting work-from-home (about 13.8 points above the U.S. share (15.2%)); a mean commute of about 44.0 minutes (U.S. average near 26.8).

Median home value is about $354,300 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.0% (about 9.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89428 in Silver City, NV, a household would need roughly $98,000 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 $2,276. That is about 25% above the local median household income ($78,125), 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 Silver City CDP, NV as Relatively Low (composite score 71.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.8) and flood (63.5). 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 Silver City CDP, NV show little to no average snow and around 11.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 89428 (Silver City 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.