ZIP Code 89460 — Gardnerville Ranchos CDP, NV Demographics & Data

ZIP code 89460 covers Gardnerville Ranchos, NV in Douglas County with a population of about 14,389.

At a glance, the area shows median age of 48.4 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 89460 is about $91,778 — about 22% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 4.7%; 27.0% of adults with a bachelor’s degree or higher (about 6.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Public administration; about 9.2% of workers reporting work-from-home (about 6.0 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 $485,700 — about 40% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,239 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 79.5% (about 14.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89460 in Gardnerville Ranchos, NV, a household would need roughly $134,000 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 $3,120. That is about 46% above the local median household income ($91,778), 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 Gardnerville Ranchos CDP, NV as Relatively Moderate (composite score 84.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.9) and flood (73.8). 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 Gardnerville Ranchos CDP, NV show little to no average snow and around 9.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 538 for ZIP 89460 (Gardnerville Ranchos 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.