HousingHandbookReference data

U.S. ZIP Code · NV89801

Elko County

Typical home value

$362,542[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.7%
5-year / yr
+4.4%
10-year / yr
+3.6%

Relative price

vs U.S.
+27.6%
vs metro
vs state
-13.1%
ZIP 89801 location in NV
Location of ZIP 89801 in NV

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 89801 is worth $362,542. Over the past year, values have risen 1.7%. Homes here rent for a typical $1,567 a month — a 5.2% gross rental yield. The effective property tax rate is 0.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,567[2]
Gross yield
5.2%[2]
Cap rate
3.1%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.5%[3]
Typical annual tax
$1,958[3]

#Climate risk

FEMA National Risk Index ratings for Elko County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Relatively High
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Not Applicable
Tornado
Very Low
Earthquake
Relatively Low
Winter weather
Relatively High

#Who lives here

Population
26,480[3]
Median household income
$82,144[3]

#Migration

Household moves in and out of Elko County over a year, from IRS tax-return data.

Net migration
-86[5]
Moved in
1,337
Moved out
1,423

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
14
Elementary
7
Middle
2
High
2
  • Elko High School

    High · Grades 7–12 · Elko

    1,433 students

  • Flagview Intermediate School

    Middle · Grades 5–6 · Elko

    686 students

  • Adobe Middle School

    Middle · Grades 7–8 · Elko

    681 students

  • Mountain View Elementary School

    Elementary · Grades K–4 · Elko

    555 students

  • Southside Elementary School

    Elementary · Grades PK–4 · Elko

    553 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield5.2%
Net yield (after ~40% expenses)3.1%
Annual rent$18,805

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,833
Loan principal$290,033
Down payment$72,508
Total interest paid$369,922

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.47
Monthly cost to own$2,298
Monthly rent$1,567

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 89801?
The typical home in 89801 is worth $362,542, based on the Zillow Home Value Index.
Are home values rising in 89801?
Home values in 89801 are up 1.7% over the past year, and up 4.4% a year over five years.
What is the typical rent in 89801?
A typical home in 89801 rents for about $1,567 a month, a gross rental yield of 5.2%.
What is the property tax rate in 89801?
The effective property tax rate in 89801 is 0.5% — roughly $1,958 a year on a typical home.
Who lives in 89801?
ZIP code 89801 has a population of 26,480 and a median household income of $82,144.

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