PlainZIP

Zephyr Cove, NV · standard

ZIP Code 89448

Douglas County, Nevada — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,695
53/sq mi
$137,586
Median income
$1,369,100
Median home value
50.7%
Bachelor's or higher

The verdict

Zephyr Cove pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 5%
household income, US ZIPs
Top 1%
home value, US ZIPs
53
people per sq mi
85%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 89448 against every reporting US ZIP.

ZIP code 89448 is classified by USPS as a standard delivery area and covers roughly 31.8 square miles in Zephyr Cove, Douglas County, Nevada. The area is home to 1,695 residents, producing a population density of 53 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 89448 against Nevada and the nation.

On the economic side, the median household income for ZIP 89448 sits at $137,586 (66% above the Nevada average), while per-capita income is $127,810. The poverty rate stands at 6.5% and the unemployment rate at 4.4%. On housing, the median home value is $1,369,100 (219% above the state average) with median rent at $2,007 per month, and 85.4% of occupied units are owner-occupied, a direct signal of whether 89448 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 50.7% of adults hold a bachelor's degree or higher, the median age is 60.5, and the average commute is —. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Douglas County, so you can benchmark 89448 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 89448

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 89448.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 89448, Zephyr Cove, NV · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

1,695

Population

31.8

Area (sq mi)

53

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 89448?

60.5

Median Age

53.5%

Male

46.5%

Female

13.0%

Foreign-Born

White 77.9%
African American 0.0%
Asian 2.5%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.2%
Hispanic or Latino 17.7%

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?

$137,586

Median Household Income

+66% vs state

$127,810

Per Capita Income

6.5%

Poverty Rate

4.4%

Unemployment Rate

How ZIP 89448 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$137,586 Top 5% higher than 95% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 61.6%
Bachelor's Degree or Higher 50.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,724

Total Housing Units

804

Occupied Units

920

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 85.4%
Renter 14.6%

$1,369,100

Median Home Value

+219% vs state

$2,007

Median Rent

1974

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

+10.3%

YoY Change (2021)

245

HPI Index (2000 = 100)

+145%

Total Change Since 2000

Home values in ZIP 89448 have increased 10.3% over the past year (2021). Since 2000, this ZIP has seen +145% cumulative appreciation.

Year Annual Change HPI Index
2017 -9.9% 168
2018 +26.4% 212
2019 +0.7% 214
2020 +3.9% 222
2021 +10.3% 245

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 202 business establishments in ZIP 89448, employing approximately 1,292 people with a combined annual payroll of $67,606,000.

202

Businesses

1,292

Employees

$67.6M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 43 21.3%
Real estate and rental and leasing 30 14.8%
Finance and insurance 19 9.4%
Construction 15 7.4%
Other services (except public administration) 15 7.4%
Accommodation and food services 14 6.9%
Administrative and support and waste management and remediation services 13 6.4%
Retail trade 12 5.9%
Health care and social assistance 12 5.9%
Information 7 3.5%
Arts, entertainment, and recreation 6 3.0%
Wholesale trade 5 2.5%
Transportation and warehousing 3 1.5%
Educational services 3 1.5%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 89448 vs 89449 →

ZIP 89448 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 89448 ranks #5 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 89448 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 89448 ranks #2 of 7 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
89449 Stateline, NV 2,994 3.1 mi
89413 Glenbrook, NV 655 4.6 mi
89411 Genoa, NV 929 4.0 mi
89705 Carson City, NV 4,969 7.8 mi
96150 South Lake Tahoe, CA 29,792 10.5 mi
89460 Gardnerville, NV 13,236 10.3 mi

More ZIP Codes in Douglas County

89460 standard
Gardnerville, NV
Pop: 13,236
89410 standard
Gardnerville, NV
Pop: 10,557
89423 standard
Minden, NV
Pop: 10,465
89705 standard
Carson City, NV
Pop: 4,969
89449 standard
Stateline, NV
Pop: 2,994
89444 standard
Wellington, NV
Pop: 2,734

Related Areas

Douglas County Zephyr Cove, NV Nevada

Frequently Asked Questions

What county is ZIP code 89448 in? ▼
ZIP code 89448 (Zephyr Cove) is located in Douglas County, Nevada. Douglas County contains multiple ZIP codes, see the full list at /counties/douglas-nv.
What is the population of ZIP code 89448? ▼
ZIP code 89448 in Zephyr Cove, NV has a population of 1,695 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 89448? ▼
The median household income in ZIP 89448 is $137,586, which is 80% above the national average of $76,288.
What is the average home value in ZIP 89448? ▼
The median home value in ZIP 89448 is $1,369,100, which is 392% above the national average of $278,155.
What is the demographic makeup of ZIP 89448? ▼
The largest racial group in ZIP 89448 is White at 77.9%. Hispanic or Latino residents make up 17.7% of the population.
How many businesses are in ZIP code 89448? ▼
ZIP code 89448 has 202 business establishments employing approximately 1,292 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 89448? ▼
The top industries by establishment count in ZIP 89448 are: Professional, scientific, and technical services (43), Real estate and rental and leasing (30), Finance and insurance (19). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 89448? ▼
According to the FHFA House Price Index, home values in ZIP 89448 increased by 10.3% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 145%. 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 89448? ▼
In ZIP code 89448, 61.6% of residents aged 25+ have a high school diploma or higher, and 50.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 89448? ▼
In ZIP code 89448, approximately 85.4% of occupied housing units are owner-occupied and 14.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 89448? ▼
The poverty rate in ZIP code 89448 is 6.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Zephyr Cove, NV

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.