ZIP Code 89509 — Reno city, NV Demographics & Data

ZIP code 89509 covers Reno, NV in Washoe County with a population of about 35,877.

At a glance, the area shows median age of 41.7 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.

Median household income in ZIP 89509 is about $81,751 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 3.4%; 49.8% of adults with a bachelor’s degree or higher (about 16.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 14.8% of workers reporting work-from-home (roughly in line with 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 $670,700 — about 93% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,338 (about 15% above the U.S. median rent ($1,163)), and owner-occupancy near 53.2% (about 12.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89509 in Reno, 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 $4,308. That is about 126% above the local median household income ($81,751), 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 Reno 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 Reno city, NV show little to no average snow and around 7.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,341 for ZIP 89509 (Reno 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.