ZIP 89430 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 89430 in Smith Valley CDP, NV, a household would need roughly $185,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,309. That is roughly in line with the local median household income ($170,571). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.