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Carson City, NV

ZIP 89706 — 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 89706

Median Home Value
$344,600
Median Rent
$1,090
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,214/mo PITI).

21%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.3 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 89706 in Carson City, NV, a household would need roughly $95,000 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 $2,214. That is about 49% above the local median household income ($63,653), 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
61.6%-6% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
44.1%+16% vs US avg
x
$344,600
Home Value
$1,090
Rent
1982
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached50.2%
  • 1-unit attached3.2%
  • 2-9 units8.9%
  • 10+ units16.1%
  • Mobile home & other21.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$344,600
Median rent$1,090
Owner-occupied61.6%
Vacant7.5%
Price-to-income5.4x
Est. income to buy$95,000