ZIP Code 89704 — Washoe Valley CDP, NV Demographics & Data

ZIP code 89704 covers Washoe Valley, NV in Washoe County with a population of about 4,843.

At a glance, the area shows median age of 58.3 versus a U.S. median of about 38.9.

It sits in telephone area code 775; U.S. House district NV-2; the RENO media market.

Washoe Valley, NV fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 89704 is about $110,363 — about 47% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 1.0%; 25.5% of adults with a bachelor’s degree or higher (about 8.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Professional services; about 12.3% of workers reporting work-from-home (about 2.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $608,500 — about 75% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.4% (about 29.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89704 in Washoe Valley, NV, a household would need roughly $168,000 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 $3,909. That is about 52% above the local median household income ($110,363), 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.

FEMA’s National Risk Index rates natural-hazard risk for Washoe Valley CDP, NV as Relatively High (composite score 96.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.0) and flood (94.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Washoe Valley CDP, NV show little to no average snow.

IRS migration statistics show a net inflow of about 181 for ZIP 89704 (Washoe Valley CDP, NV) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.