ZIP Code 89523 — Reno city, NV Demographics & Data

ZIP code 89523 covers Reno, NV in Washoe County with a population of about 37,167.

At a glance, the area shows median age of 40.8 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 89523 is about $97,384 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 3.4%; 45.5% of adults with a bachelor’s degree or higher (about 11.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 9.7% of workers reporting work-from-home (about 5.5 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 $569,300 — about 64% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,628 (about 40% above the U.S. median rent ($1,163)), and owner-occupancy near 60.8% (about 4.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89523 in Reno, NV, a household would need roughly $157,000 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 $3,657. That is about 61% above the local median household income ($97,384), 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 25.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,389 for ZIP 89523 (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.