Median home value in zip code 89430 (Smith, NV) is $590,847, up 6.3% year over year. Part of the Fernley, NV metropolitan area.

Home Value$590,847

YoY Change

+6.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 89430 (Smith).

Income (annual)

Down Payment

$118,169 on $590,847

Example: $75,000 household income. Change it above to see your own.

Out of reach53.6% of income

Need $143,529/yr to afford.

PITI$3,349

P/I53.6%

Afford$309K

Gap-$282K

P&I $2,988Tax $261Ins $100

6.50% 30yr, 20% down, county tax + NV ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

89430 is part of the Fernley, NV metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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