Population & age
- Total population
- 25,327
- Median age
- 39.8
Fernley, NV (89406)
Churchill County · Population 25,327
Fresh.Data current as of Apr 24, 2026
Fernley, NV (ZIP 89406) sits in Churchill County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 37.7%. NCES lists 8 schools serving the area, 8 non-charter. 1 college or university serves the area. IRS data shows average household income (AGI) of $69,733, well above the ~$45K national average per return. FEMA has issued 15 federal disaster declarations affecting this ZIP since 1965. County Health Rankings reports 10,826 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Washoe County, NV (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $69,922, fair market rent of $1,420 for a two-bedroom, and a typical home value of $390,787, up 2.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Demographics
Race & ethnicity
- White
- 77.3%
- Black
- 1.9%
- Asian
- 2.8%
- Hispanic / Latino
- 15.2%
- Other / multi-racial
- 13.8%
Income & housing
- Median household income
- $69,922
- Median home value
- $255,200
Education
- Bachelor's degree or higher (age 25+)
- 15.7%
Employment
- Unemployment rate
- 6.3%
Housing
- Owner-occupied
- 6,419(66.9%)
- Renter-occupied
- 3,176(33.1%)
- Vacant units
- 1,181
- Built (median)
- 1987
Commute
- Public transit
- 108(0.9%)
- Work from home
- 588(5.1%)
- Avg commute
- 21.7 min
Economic wellbeing
- Below poverty line
- 2,464(9.9%)
- Uninsured
- 517(2.0%)
Digital access
- Broadband access
- 8,613(89.8%)
- No broadband
- 982(10.2%)
Language & nativity
- Foreign-born
- 1,707(6.7%)
- Non-English at home
- 3,128(13.2%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,080
/month
1 Bed
$1,080
/month
2 Bed
$1,420
/month
3 Bed
$1,970
/month
4 Bed
$2,170
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$390,787
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+2.2%
vs. March 2025
5-year change
+30.8%
vs. March 2021
Metro area
Fallon, NV
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
342
Across 266 permitted buildings. Total construction value: $83.5M.
Single-family
254
74% of total units
Multifamily (2+ unit)
88
26% of total units
Single-family value
$68.5M
construction value
Multifamily value
$15.1M
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
11,190
Average AGI
$69,733
Avg property tax
$110
EITC participation
13.6%
Income distribution
- $1 – $25,00024.4% · 2,730
- $25,000 – $50,00025.1% · 2,810
- $50,000 – $75,00017.0% · 1,900
- $75,000 – $100,00012.3% · 1,380
- $100,000 – $200,00017.6% · 1,970
- $200,000 or more3.6% · 400
Avg mortgage interest
$323
Avg charitable contribution
$483
Avg capital gains
$2,648
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $780.3M across all reported brackets.
Business & employment
Business establishments
456
Total employment
5,253
Annual payroll
$248.3M
Average annual pay
$47,265
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$60,811
Average weekly wage
$1,169
Total employment
8,837
Total establishments
634
That is roughly 7% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
5.0%
That is 1.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
10,625
Employed
10,093
Unemployed
532
Based on Churchill County, NV data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
5
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$503.6M
across all branches in this ZIP
Distinct institutions
5
different banks operating here
Top banks by deposits in this ZIP
- 1.Wells Fargo Bank, National Association$188.2M · 1 branch
- 2.Western Alliance Bank$136.8M · 1 branch
- 3.U.S. Bank National Association$100.0M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Alternative-fuel stations
Public EV charging stations
2
Limited EV charging
A small number of public charging stations — viable for EV ownership with home charging, but minimal redundancy.
Level 2 ports
3
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- EV Connect
- Non-Networked
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 central
Avg hours / week
52.9
across outlets in this ZIP
Avg square feet
9,265
per outlet
Outlets in this ZIP
- 1.Churchill County Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Social Vulnerability Index
Overall SVI
63rd percentile
High Vulnerability
Based on 8 census tracts, population 21,246
Vulnerability Themes
- Socioeconomic Status56th percentile
- Household Characteristics71st percentile
- Racial & Ethnic Minority Status45th percentile
- Housing Type & Transportation63rd percentile
Households Without Vehicle
332
Limited English Speakers
265
Persons with Disability
4,106
Without HS Diploma
1,219
Without Health Insurance
1,984
Adults Age 65+
4,147
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.
Federal Disaster Declarations
Federally Declared Disasters
15
Date Range
1965–2023
Most Recent Declaration
SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES
Flood — declared April 27, 2023 (DR-4708)
Incident period: March 8, 2023 – March 19, 2023
Top Incident Types
- Severe Storm5 (33%)
- Flood3 (20%)
- Biological2 (13%)
- Fire2 (13%)
- Snowstorm2 (13%)
- Other1 (7%)
Individual Assistance
3
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
15
Repair of public facilities & roads
Hazard Mitigation
7
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Air quality
Median daily AQI
44
GoodGood 280dModerate 77dUSG 1d
Peak AQI (2024)
105
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
358 days as main pollutant
Days measured
358
Based on Churchill County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
10,826
That is roughly 2,626 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
20%
of adults self-report
Poor physical health days
4.5
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
10.3%
of residents under 65
Primary care MDs
47
per 100,000 residents
Preventable hospital stays
2,679
per 100K Medicare enrollees
Food environment (0-10)
7.8
10 = best access & security
Exercise access
68%
residents near a facility
Flu vaccinated
31%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.3% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Churchill data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
18.9% of Churchill County, NV residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
—
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.87
accepting food benefits
Fast-food restaurants
0.67
per 1,000 residents
Among low-income residents, 5.8% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Churchill County, NV for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▼−192 people
−150 households • −$2.5M net AGI flow
Moved in
1,352households
2,473 people • $86.2M AGI
Moved out
1,502households
2,665 people • $88.7M AGI
Where new residents came from
- Washoe County, NV — 149 households
- Lyon County, NV — 109 households
- Virginia Beach city, VA — 34 households
- San Diego County, CA — 28 households
- Clark County, NV — 25 households
Where departing residents went
- Washoe County, NV — 147 households
- Lyon County, NV — 89 households
- San Diego County, CA — 37 households
Incoming households reported an average AGI of $63,783 versus departing households' $59,059.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
37.7%
4.7pp above the 33.0% national rate.
High Blood Pressure
36.4%
4.4pp above the 32.0% national rate.
Depression
22.2%
Tracks close to the 22.0% national rate.
Annual Checkup
72.7%
3.3pp below the 76.0% national rate.
Health Insurance
10.9%
2.1pp below the 13.0% national rate.
Diabetes
12.2%
Tracks close to the 11.0% national rate.
Schools in this ZIP
8 schools serve this ZIP, including 8 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Churchill County High School | Public | 6–12 | 959 |
| Churchill County Middle School | Public | 6–8 | 757 |
| Oasis Academy | Public | 0–12 | 694 |
| Numa Elementary School | Public | 3–6 | 482 |
| E C Best Elementary | Public | 2–3 | 457 |
Showing top 5 by enrollment. 3 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges & universities nearby
Colleges in this area
1
Median in-state tuition
—
Median earnings (10 yr)
$32,493
- Certificate
Milan Institute-Sparks
Sparks, NV · 89431
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 61.9%
- Median earnings (10 yr)
- $32,493
- Median student debt
- $8,124
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Fernley, NV (ZIP 89406) sits in Churchill County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 37.7%. NCES lists 8 schools serving the area, 8 non-charter. 1 college or university serves the area. IRS data shows average household income (AGI) of $69,733, well above the ~$45K national average per return. FEMA has issued 15 federal disaster declarations affecting this ZIP since 1965. County Health Rankings reports 10,826 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Washoe County, NV (IRS SOI Migration, 2022-2023). Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $69,922, fair market rent of $1,420 for a two-bedroom, and a typical home value of $390,787, up 2.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 22.2%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 89406
What is the obesity rate in ZIP 89406?
37.7%, which is 4.7 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 89406?
22.2%, which is 0.2 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 89406?
36.4%, which is 4.4 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 89406?
8 schools serve this ZIP, including 8 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 89406 have charter schools?
No charter schools are listed in ZIP 89406 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 89406?
Yes, 2 high schools serve this ZIP: Churchill County High School, Oasis Academy. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 89406?
25,327 people live in ZIP 89406, with a median age of 39.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 89406?
$69,922 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 89406 mostly renters or homeowners?
In ZIP 89406, 66.9% of occupied housing units are owner-occupied and 33.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 89406?
In ZIP 89406, 5.1% of workers work from home. Public transit is used by 0.9% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 89406?
9.9% of the population in ZIP 89406 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 89406 have broadband internet?
89.8% of households in ZIP 89406 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 89406?
The typical home value in ZIP 89406 is $390,787, up 2.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 89406?
Home values are up 2.2% over the past year and up 30.8% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 89406?
The average Adjusted Gross Income reported on tax returns from ZIP 89406 (Fernley, NV) is $69,733 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 89406?
Tax returns from ZIP 89406 report an average of $110 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 89406 earn over $200,000?
3.6% of tax returns from ZIP 89406 (Fernley, NV) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 89406?
As of 2022, 456 business establishments operated in ZIP 89406 employing 5,253 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 89406?
The average annual pay across all local establishments in ZIP 89406 is $47,265, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 89406 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 89406 ranks in the 63th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 89406?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 89406, ranking in the 71th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 89406 experienced?
FEMA has recorded 15 federal disaster declarations affecting ZIP 89406 between 1965–2023 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 89406?
Severe Storm is the most common federally declared disaster type affecting ZIP 89406, accounting for 5 of 15 declarations (33%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 89406?
The most recent FEMA disaster declaration affecting ZIP 89406 was "SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES" — a flood declared in 2023 (DR-4708) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 89406?
1 college or university is listed near ZIP 89406 by the U.S. Department of Education College Scorecard, including Milan Institute-Sparks (retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 89406?
Graduates of nearby colleges earn a median of $32,493 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 89406?
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (8 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (1 institution), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), and federal disaster declarations from FEMA OpenFEMA (15 on record). Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (15 on record).
More Info topics
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Have a specific question about ZIP 89406?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.