Fernley, NV · standard
ZIP Code 89408
Lyon County, Nevada - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 19,626
- 51/sq mi Moderate-density area
- $89,552
- Median income Above-median income area
- $366,500
- Median home value Above-median home value
- 16.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Fernley pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 27%
- household income, US ZIPs
- Top 24%
- home value, US ZIPs
- 51
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 89408 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 89408 (Fernley, NV) rose +6.3% from 2023 to 2024. The all-transactions index moved from 266.8 in 2023 to 283.6 in 2024 (2000 = 100).
ZIP code 89408 is a mid-sized community (a standard USPS delivery area) in Fernley, Lyon County, Nevada, home to 19,626 residents across 384.1 square miles, a density of 51 people per square mile, in the Los Angeles time zone.
ZIP 89408 lands in the middle-income range, with a median household income of $89,552 (8% above the average Nevada ZIP), while per-capita income is $36,805. The poverty rate is 12.7%, with unemployment at 6.2%; those measures add context to the income figure. Median home value is $366,500 (15% below the average Nevada ZIP) and median rent is $1,584; 71.7% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 16.4% of adults hold a bachelor's degree or higher, the median age is 36.3, and the average commute is 28 minutes. No nearby ZIP peer set is available for this delivery area, so the Nevada and national benchmarks above are the appropriate context for 89408.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 89408
Top 5 sectors by establishment count in Fernley, NV
Which industries have the most business establishments in ZIP 89408.
- Construction
Construction
43 establishments
- Accommodation and food services
Accommodation and food services
38 establishments
- Retail trade
Retail trade
35 establishments
- Other services (except public administration)
Other services (except public administration)
30 establishments
- Manufacturing
Manufacturing
24 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 89408, Fernley, NV · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
19,626
Population
384.1
Area (sq mi)
51
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 89408?
36.3
Median Age
51.1%
Male
48.9%
Female
7.8%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$89,552
Median Household Income
+8% vs state ZIP avg
$36,805
Per Capita Income
12.7%
Poverty Rate
6.2%
Unemployment Rate
27.8 min
Mean Commute Time
How ZIP 89408 ranks among Nevada ZIPs
Fernley, NV household income vs. every Nevada ZIP code
Median household income among 148 reporting Nevada ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$89,552 Top 35% higher than 65% of 148 Nevada ZIPs
Each bar is a $20K-wide band; taller bars hold more Nevada ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,276housing units
9,276
Total Housing Units
8,870
Occupied Units
406
Vacant Units
2.77
Avg Household Size
Occupancy Type
$366,500
Median Home Value
-15% vs state ZIP avg
$1,584
Median Rent
2001
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+6.3%
YoY Change (2024)
284
HPI Index (2000 = 100)
+184%
Total Change Since 2000
Home values in ZIP 89408 have increased 6.3% over the past year (2024). Since 2000, this ZIP has seen +184% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.6% | 210 |
| 2021 | +17.3% | 246 |
| 2022 | +14.3% | 282 |
| 2023 | -5.4% | 267 |
| 2024 | +6.3% | 284 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 317 business establishments in ZIP 89408, employing approximately 4,792 people with a combined annual payroll of $253,305,000.
317
Businesses
4,792
Employees
$253.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 43 | 13.6% |
| Accommodation and food services | 38 | 12.0% |
| Retail trade | 35 | 11.0% |
| Other services (except public administration) | 30 | 9.5% |
| Manufacturing | 24 | 7.6% |
| Health care and social assistance | 24 | 7.6% |
| Real estate and rental and leasing | 19 | 6.0% |
| Professional, scientific, and technical services | 19 | 6.0% |
| Administrative and support and waste management and remediation services | 19 | 6.0% |
| Transportation and warehousing | 18 | 5.7% |
| Finance and insurance | 15 | 4.7% |
| Wholesale trade | 10 | 3.1% |
| Arts, entertainment, and recreation | 9 | 2.8% |
| Information | 5 | 1.6% |
| Mining, quarrying, and oil and gas extraction | 4 | 1.3% |
| Educational services | 3 | 0.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 89408, both outside NV so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (19,626 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lyon County
Related Areas
Frequently Asked Questions
What county is ZIP code 89408 in?
ZIP code 89408 (Fernley) is located in Lyon County, Nevada. Lyon County contains multiple ZIP codes, see the full list at /counties/lyon-nv.
What is the population of ZIP code 89408?
ZIP code 89408 in Fernley, NV has a population of 19,626 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 89408?
The median household income in ZIP 89408 is $89,552, which is 17% above the national average of $76,288.
What is the average home value in ZIP 89408?
The median home value in ZIP 89408 is $366,500, which is 32% above the national average of $278,155.
What is the demographic makeup of ZIP 89408?
The largest racial group in ZIP 89408 is White at 72.4%. Hispanic or Latino residents make up 21.5% of the population.
How many businesses are in ZIP code 89408?
ZIP code 89408 has 317 business establishments employing approximately 4,792 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 89408?
The top industries by establishment count in ZIP 89408 are: Construction (43), Accommodation and food services (38), Retail trade (35). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 89408?
According to the FHFA House Price Index, home values in ZIP 89408 increased by 6.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 184%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 89408?
In ZIP code 89408, 51.9% of residents aged 25+ have a high school diploma or higher, and 16.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 89408?
The mean commute time for workers in ZIP code 89408 is 27.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 89408?
In ZIP code 89408, approximately 71.7% of occupied housing units are owner-occupied and 28.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 89408?
The poverty rate in ZIP code 89408 is 12.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 89408's numbers, next.
- See how ZIP 89408 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.