Residential delivery area · Nevada
ZIP Code 89408: Fernley, NV
ZIP code 89408 uses the postal name Fernley, Nevada and lies mostly in Churchill County (79% of its land) with the rest in Lyon County (Census 2020 ZIP-county file). About 25,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $89,552 (Census Bureau, ACS 2020-2024). By Census place, 17% of its land lies in Fernley; 83% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Fernley · its only residential ZIP
- County
- Churchill County (79%); Lyon County (21%)
- Census places
- Fernley
- Micro area
- Fallon, NV
- House district
- NV-2 119th Congress
- State
- Nevada
- Time zone
- Pacific
- Land area
- 464.1 sq mi · 53 people per sq mi
Where is ZIP code 89408?
89408 centers on 39.671°, -119.006° and covers 464.1 square miles of land plus 10.2 of water. It borders 5 ZIP codes: 89442, 89429, 89434, 89424, 89406.
The map draws ZIP code areas only. For the streets inside 89408, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 89408 compare with the rest of Churchill County?
| Measure | 89408 | In Churchill County | In NV |
|---|---|---|---|
| People (ACS 2020-2024) | 24,564 | 2nd of 3 | 61st of 181 |
| Median household income | $90k | 1st of 2 | 42nd of 105 |
| Median home value | $367k | 1st of 2 | 72nd of 113 |
Its median household income is higher than in 73% of U.S. residential ZIP codes, and it is denser than 43% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 89408?
The 2020 Census counted 23,201 people in 89408; the ACS, which samples households over 2020-2024, estimates 24,564. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 24,564
- 2020 Census count
- 23,201
- Households
- 8,870
- Median age
- 36.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 89408?
Of the 24,564 people the ACS estimates in 89408, 23.5% are under 18 and 15.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (67.1%), then Hispanic or Latino (21.5%).
- Under 1823.5%
- 18 to 6461.3%
- 65 and older15.2%
- White, not Hispanic67.1%
- Hispanic or Latino21.5%
- Other or two or more8.7%
- Asian, not Hispanic2.0%
- Black, not Hispanic0.8%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 89408 earn?
Median household income is $89,552 (ACS 2020-2024).
- Median household income
- $89,552±$9,727
- Income per person
- $36,805
- Below the poverty line
- 12.7%
- Unemployed (of the labor force)
- 6.3%
- Adults 25+ with a bachelor's degree
- 16.4%
- Adjusted gross income per tax return, 2022
- $70,15511,160 returns; wages 77% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 89408?
FHFA's house price index for 89408, built from repeat sales and appraisals of the same homes, rose 130% from 2015 to 2025 and rose 38% from 2020 to 2025, and moved +2.6% in 2025.
- Median home value (owners' estimate)
- $366,500
- Median gross rent
- $1,584
- Homes owned by their occupants
- 71.7%
- Housing units
- 9,276
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 89408?
317 business establishments had a location in this ZIP code in 2023, 36 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction43
- Accommodation and food services38
- Retail trade35
- Other services (except public administration)30
- Manufacturing24
- Health care and social assistance24
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 89408?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 89442 | Wadsworth | 808 | $64k | 18.1 mi |
| 89429 | Silver Springs | 7,521 | $56k | 25.8 mi |
| 89434 | Sparks | 27,990 | $92k | 30.0 mi |
| 89424 | Nixon | 370 | $73k | 38.2 mi |
| 89406 | Fallon | 25,739 | $79k | 60.5 mi |
| 89437 | Sparks | 0 | – | 27.3 mi (near) |
| 89441 | Sparks | 14,460 | $132k | 36.2 mi (near) |
| 89436 | Sparks | 49,544 | $114k | 37.3 mi (near) |
| 89403 | Dayton | 17,506 | $97k | 39.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.