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Grass Valley CDP, NV

ZIP 89445 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 89445

Median Home Value
$258,200
Median Rent
$848
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,659/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 89445 in Grass Valley CDP, NV, a household would need roughly $71,000 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 $1,659. That sits below the local median household income ($80,801), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.9%+13% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$258,200
Home Value
$848
Rent
1991
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached50.5%
  • 1-unit attached2.1%
  • 2-9 units10.0%
  • 10+ units1.9%
  • Mobile home & other35.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$258,200
Median rent$848
Owner-occupied73.9%
Vacant8.8%
Price-to-income3.2x
Est. income to buy$71,000