ZIP Code 89801 — Elko city, NV Demographics & Data

ZIP code 89801 covers Elko, NV in Elko County with a population of about 26,070.

At a glance, the area shows median age of 34.7 versus a U.S. median of about 38.9.

It sits in telephone area code 775; U.S. House district NV-2; the SALT LAKE CITY media market.

Median household income in ZIP 89801 is about $83,777 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 4.8%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Food services, and Education; about 2.2% of workers reporting work-from-home (about 13.0 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 $278,700 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,026 (about 12% below the U.S. median rent ($1,163)), and owner-occupancy near 65.8% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89801 in Elko, NV, a household would need roughly $77,000 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 $1,790. That is roughly in line with the local median household income ($83,777). 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 Elko city, NV as Relatively Moderate (composite score 87.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.9) and flood (54.5). 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 Elko city, NV show little to no average snow and around 10.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 975 for ZIP 89801 (Elko 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.