The story of this market
The typical home in Elko County, Nevada sells for about $450,000, or $239 per square foot.
Prices are up +1.5% from a year ago, so sellers still have some momentum. Homes take about 52 days to sell. Over the long run, values in this county have grown 134% since 2000. Last year 10 of 13 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is wildfire, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,400 a month.
HUD sets the fair market rent for a 2-bedroom at $1,400 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively High.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2006 (+22.4%). Worst: 2000 (-4.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.3%
NV · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,842
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 13 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
96
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $78,118,367.
Mortgage activity
Home lending in this county
82.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2404 | 1275 | 82.5% | 1.7% | $220,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Elko County, Nevada
The Elko County housing market is experiencing steady growth with modest year-over-year price appreciation. Demand remains supported by the local mining-based economy, though inventory levels remain measured.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 1 city · 17 ZIP reports
Median prices moved up 8.2% year over year.
Homes spend a median of 306 days on market with 0.3 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 32.22% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.5% · poverty 9.0% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 17 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
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| 89801 | Elko | $427,500 | $257 | +17.1% | 413 | — | — | — | 313 | $1,400 | researched Sep 25 |
| 89802 | Elko | $400,000 | — | +3.8% | 44 | — | — | — | 651 | $1,400 | researched Sep 25 |
| 89803 | Elko | $400,000 | — | +3.8% | 44 | — | — | — | 651 | $1,400 | researched Sep 25 |
| 89815 | Spring Creek | $385,000 | $215 | -7.6% | 91 | 98% | — | — | 72 | $2,063 | researched Sep 25 |
| 89822 | Carlin | $420,000 | $106 | — | 531 | — | — | — | — | $1,400 | researched Sep 25 |
| 89823 | Deeth | $455,000 | — | — | — | — | — | — | — | $1,400 | researched Sep 25 |
| 89824 | — | $201,100 | $145 | +2.1% | 62 | 98.5% | 8.3% | 3 | 12 | $1,150 | researched Sep 25 |
| 89825 | Jackpot | $345,000 | $195 | +2.4% | 68 | 97.5% | 12% | 5.2 | 42 | $1,350 | researched Sep 25 |
| 89826 | Jarbidge | $450,000 | $485 | — | 312 | 100% | — | — | 1 | $1,400 | researched Sep 25 |
| 89828 | Lamoille | $1,200,000 | — | — | 360 | — | — | — | — | $1,400 | researched Sep 25 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county economy is anchored by mining and agriculture, with ongoing development momentum tied to regional resource extraction and rural infrastructure projects.
Elko County property taxes are assessed based on the taxable value of land and improvements, with rates determined by the state-mandated tax cap and local special district levies.
The economy is heavily driven by the mining industry, particularly gold mining, alongside significant agricultural and ranching operations.
The county is served by major transportation corridors including Interstate 80, which acts as a primary east-west artery for regional commerce and transit.
The Elko County Assessor's office manages the valuation of real property for tax purposes in accordance with Nevada state law.
The county is served by various special districts including school districts, hospital districts, and utility service providers that manage local infrastructure.
Data retrieved from US Census Bureau QuickFacts and profile tables.
applies when — Parcels owned by qualifying disabled veterans or their surviving spouses
Provides a partial exemption from property taxes based on the veteran's disability rating, which is applied to the assessed value of the property.
NRS 361.091.
applies when — Parcels located within a Common-Interest Community (HOA)
Sellers must provide a resale package to buyers. The association may place a lien on the property for unpaid assessments, which can lead to foreclosure. Sellers must obtain a 'statement of demand' for outstanding fees.
NRS Chapter 116; disclosure requirements updated periodically.
Allows for non-judicial foreclosure. The process requires a Notice of Default and Election to Sell, followed by a 3-month waiting period before a Notice of Sale can be issued. A Notice of Sale must be served at least 60 days before the trustee sale.
Governed by NRS Chapter 107.
Property tax is calculated using the formula: (Taxable Value * 0.35) * Tax Rate = Total Property Tax. Taxable value is determined by county assessors, and the assessment ratio is fixed at 35% of taxable value. Tax rates are set by local governments and overlapping special districts.
NRS Chapter 361; formula established in NRS 361.225 and NRS 361.227.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.