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Gardnerville Ranchos CDP, NV

ZIP 89460 — 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 89460

Median Home Value
$485,700
Median Rent
$1,239
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,120/mo PITI).

16%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

32.7 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 89460 in Gardnerville Ranchos CDP, NV, a household would need roughly $134,000 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 $3,120. That is about 46% above the local median household income ($91,778), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+22% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$485,700
Home Value
$1,239
Rent
1988
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.3%
  • 1-unit attached6.0%
  • 2-9 units5.5%
  • 10+ units1.4%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$485,700
Median rent$1,239
Owner-occupied79.5%
Vacant4.5%
Price-to-income5.3x
Est. income to buy$134,000