89408 ZIP Code — Fernley, NV

Lyon County, Nevada

ZIP code 89408 is located in Fernley, Nevada, within Lyon County. It covers approximately 464.14 square miles and serves a population of 23,611 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 775.

About ZIP code 89408

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $328,200. Owner-occupancy sits near the national average at 72%.

Median household income is $84,104.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 89408 reflects a community defined by a trades-oriented workforce and a strong veteran community.

23,611

population

464.14

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

89408 ZIP code map

Cities in ZIP code 89408

Below are the cities the US Postal Service accepts for ZIP code 89408. Using any city not on this list may result in mail delivery delays.

City	Status
Fernley	Acceptable
Fernley	Preferred

Nearby ZIP codes

89429 Silver Springs (14.1 mi) 89437 Sparks (18 mi)

Demographics updated 06/2026

Population
Total population	23,611
Population density	51 / sq mi
State FIPS	32
County FIPS	019

Geography
Land area	464.14 sq mi
Water area	10.20 sq mi
Latitude	39.6212
Longitude	-119.1658
Timezone	Pacific (PT)
Area code	775

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.1%	41.8%	40.3%
$50k – $100k	42.8%	35.8%	32.2%
$100k – $200k	20.8%	19.5%	21.6%
Over $200k	3.3%	3.0%	5.9%

Demographics & statistics

23,611

Population

People per sq mi

35.7

Median age

$84,104

Median household income

$35,889

Per capita income

$328,200

Median home value

$1,397

Median monthly rent

72.2%

Home ownership

9.7%

Poverty rate

5.4%

Unemployment

6,464

Housing units

14.9%

Bachelor's or higher

Age distribution

Male Female

694

Under 5

661

909

5–9

866

811

10–14

772

849

15–19

808

579

20–24

552

2,073

25–34

1,975

1,673

35–44

1,594

1,456

45–54

1,386

596

55–59

568

664

60–64

633

1,121

65–74

1,067

579

75–84

552

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	5,652	23.9%
18 and over	17,959	76.1%
65 and over	3,492	14.8%
Median age	35.7 years

Race & ethnicity

White 74.1%

Two or more races 9.6%

Hispanic or Latino 7.3%

Other race 4.2%

Black or African American 1.6%

American Indian / Alaska Native 1.6%

Asian 1.4%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	18,879	74.1%
Two or more races	2,452	9.6%
Hispanic or Latino	1,861	7.3%
Other race	1,078	4.2%
Black or African American	414	1.6%
American Indian / Alaska Native	402	1.6%
Asian	348	1.4%
Native Hawaiian / Pacific Islander	38	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.1%	41.8%	40.3%
$50k – $100k	42.8%	35.8%	32.2%
$100k – $200k	20.8%	19.5%	21.6%
Over $200k	3.3%	3.0%	5.9%

Under $10k 5.1%

$10k–$15k 2.1%

$15k–$25k 3.3%

$25k–$35k 3.0%

$35k–$50k 12.0%

$50k–$75k 19.5%

$75k–$100k 16.6%

$100k–$150k 25.4%

$150k–$200k 7.0%

$200k+ 6.0%

Range	% of households
Under $10k	5.1%
$10k–$15k	2.1%
$15k–$25k	3.3%
$25k–$35k	3.0%
$35k–$50k	12.0%
$50k–$75k	19.5%
$75k–$100k	16.6%
$100k–$150k	25.4%
$150k–$200k	7.0%
$200k+	6.0%
Median income	$84,104

Housing

Home values

Under $50k 4.2%

$50k–$100k 4.2%

$100k–$150k 2.6%

$150k–$200k 2.2%

$200k–$300k 26.0%

$300k–$500k 51.6%

$500k–$1M 9.2%

Housing overview

Metric	Value
Median home value	$328,200
Median rent / month	$1,397
Owner occupied	72.2%
Renter occupied	27.8%
Vacant	3.4%
Single-family detached	75.5%
Large apartment buildings	1.5%
Mobile homes	11.9%
Median rooms	5.7
Avg household size (owned)	2.84

Year built

Era	%
2020 or later	1.2%
2010–2019	5.4%
2000–2009	42.7%
1990–1999	24.4%
1980–1989	11.3%
1970–1979	7.6%
1960–1969	4.7%
1950–1959	1.7%
1940–1949	0.9%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	3.6%
2 bedrooms	17.7%
3 bedrooms	56.0%
4 bedrooms	20.4%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	20.4%
2 vehicles	42.7%
3 or more	34.1%

Heating fuel

Fuel type	%
Utility gas	75.4%
Electricity	19.4%
Propane / LP gas	2.5%
Fuel oil	0.7%
Wood	0.8%
Solar	0.1%

Households & families

Household type	Count	%
Married-couple family	4,647	54.4%
Cohabiting couple	1,043	12.2%
Male householder, no spouse	1,630	19.1%
Female householder, no spouse	1,218	14.3%
Households with children under 18	3,510	41.1%
Households with seniors (65+)	2,588	30.3%
Average household size	2.77

Marital status

Status	Male	Female
Never married	29.9%	25.6%
Married	53.0%	52.1%
Separated	1.1%	1.5%
Widowed	2.0%	5.4%
Divorced	14.0%	15.4%

Education

Less than 9th grade 3.8%

Some HS, no diploma 6.8%

HS graduate 36.4%

Some college, no degree 27.8%

Associate's degree 10.3%

Bachelor's degree 11.3%

Graduate / professional 3.6%

Metric	%
HS diploma or higher	89.4%
Bachelor's or higher	14.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	378	6.7%
Kindergarten	328	5.8%
Elementary school	2,694	48.0%
High school	1,193	21.3%
College / grad school	1,019	18.2%

Employment

Industry of employment

Manufacturing 20.9%

Education & healthcare 13.1%

Arts, food & hospitality 12.2%

Retail trade 9.3%

Professional & management 8.8%

Transportation & utilities 8.5%

Construction 6.4%

Wholesale trade 6.0%

Public administration 5.6%

Other services 4.0%

Finance & real estate 3.8%

Agriculture & mining 1.1%

Information 0.4%

Occupation

Category	%
Management, business & arts	23.6%
Service	20.4%
Sales & office	19.1%
Natural resources & construction	12.9%
Production & transportation	24.0%

Employment type

Type	%
Private sector	82.9%
Government	13.8%
Self-employed	3.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.0%
Carpool	12.9%
Public transit	2.0%
Walk	1.4%
Work from home	4.6%
Other means	1.0%
Avg commute (minutes)	28.2

Poverty

All people 9.7%

Under 18 years 12.6%

18 and over 8.9%

Married-couple families 4.9%

Female-led households 14.2%

Income support

Source	% of households
Social Security	28.3%
Retirement income	24.8%
Supplemental Security	3.1%
Cash public assistance	2.8%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	34.2%
High blood pressure	30.5%
High cholesterol	33.8%
Diabetes	9.5%
Heart disease	6.2%
Stroke	2.8%
Asthma	10.5%
Arthritis	24.0%
Kidney disease	2.7%
Pulmonary disease	7.6%
Cancer	6.1%

Behavior / access	%
Smoking	21.5%
Binge drinking	20.6%
No physical activity	22.9%
Less than 7 hrs sleep	35.1%
Depression	20.7%
Fair or poor health	16.0%
Poor mental health	16.7%
Poor physical health	11.8%
No health insurance	15.4%
Visited doctor (checkup)	63.4%
Visited dentist	58.0%
Cholesterol screening	88.0%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,283	12.8%

Disability	%
Any disability	12.5%
Under 18	4.9%
18–64 years	10.9%
65 and over	31.2%

Health insurance coverage

Type	%
Private insurance	71.2%
Public insurance	31.5%
No insurance	9.9%
Uninsured under 19	9.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,256	94.3%
Spanish	800	3.6%
Other Indo-European	740	3.3%
Asian & Pacific Islander	50	0.2%
Other languages	10	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,287	94.4%
Born in same state	22,059	93.4%
Born in different state	9,037	38.3%
Foreign born	228	1.0%
Naturalized citizen	1,324	5.6%
Not a US citizen	565	42.7%

Ancestry

Ancestry	Count	%
Italian	2,589	11%
French	2,256	9.6%
Arab	662	2.8%
Polish	622	2.6%

Ancestry	Count	%
Dutch	467	2%
English	251	1.1%
German	95	0.4%
Irish	31	0.1%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	97.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 89408

What city is ZIP code 89408 in?

ZIP code 89408 is primarily assigned to Fernley, Nevada.

What county is ZIP code 89408 in?

ZIP code 89408 falls within Lyon County, Nevada.

How educated is the population of ZIP code 89408?

15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 89408 have a large veteran population?

13% of civilians in ZIP code 89408 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 89408?

The median home value in ZIP code 89408 is $328,200.

What is the population of ZIP code 89408?

ZIP code 89408 has an estimated population of 23,611 residents, with a density of 51 people per square mile.

What timezone is ZIP code 89408 in?

ZIP code 89408 observes the PST timezone.