ZIP Code 89431 — Sparks city, NV Demographics & Data

ZIP code 89431 covers Sparks, NV in Washoe County with a population of about 40,772.

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.

Sparks, NV sits in a university / college context (near career college of northern nevada (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 89431 is about $64,496 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.0%; unemployment rate near 6.6%; 14.3% of adults with a bachelor’s degree or higher (about 19.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Retail trade; about 7.2% of workers reporting work-from-home (about 8.0 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 $332,000 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,147 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 46.6% (about 18.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89431 in Sparks, NV, a household would need roughly $91,000 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 $2,133. That is about 41% above the local median household income ($64,496), 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 Sparks city, 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 Sparks city, NV show little to no average snow and around 8.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,524 for ZIP 89431 (Sparks 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.