ZIP Code 89430 — Smith Valley CDP, NV Demographics & Data

ZIP code 89430 covers Smith Valley, NV in Lyon County with a population of about 84.

At a glance, the area shows median age of 47.5 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.

Smith Valley, NV reads as a military / base-oriented community on US5’s intent model (elevated veteran share (26.2%) 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 89430 is about $170,571 — about 127% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Arts and entertainment; a mean commute of about 51.0 minutes (U.S. average near 26.8).

Median home value is about $670,800 — about 93% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.9% (about 10.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89430 in Smith Valley, NV, a household would need roughly $185,000 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 $4,309. That is roughly in line with the local median household income ($170,571). 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 Smith Valley 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 Smith Valley CDP, NV show little to no average snow and around 6.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 89430 (Smith Valley 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.