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Sparks city, NV

ZIP 89434 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89434

Median Home Value
$439,000
Median Rent
$1,693
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,820/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 89434 in Sparks city, NV, a household would need roughly $121,000 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 $2,820. That is about 33% above the local median household income ($90,953), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.8%-2% vs US avg
x
Vacancy Rate
7.3%-30% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
27.9%-44% vs US avg
x
Mortgage-Free
28.0%-27% vs US avg
x
$439,000
Home Value
$1,693
Rent
1986
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached64.6%
  • 1-unit attached3.6%
  • 2-9 units12.8%
  • 10+ units16.0%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$439,000
Median rent$1,693
Owner-occupied63.8%
Vacant7.3%
Price-to-income4.8x
Est. income to buy$121,000