89448 ZIP Code — Zephyr Cove, NV

Douglas County, Nevada

ZIP code 89448 is located in Zephyr Cove, Nevada, within Douglas County. It covers approximately 12.29 square miles and serves a population of 1,969 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 775.

About ZIP code 89448

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $1,267,600. Owner-occupancy is high at 83%, well above the national average.

The gap between median ($127,454) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 48% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 19 minutes is near the national average. Remote work is prevalent — 31% of workers work from home.

Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 89448 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

1,969

population

12.29

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

89448 ZIP code map

Cities in ZIP code 89448

Below are the cities the US Postal Service accepts for ZIP code 89448. Using any city not on this list may result in mail delivery delays.

City	Status
Zephyr Cove	Acceptable

Demographics updated 06/2026

Population
Total population	1,969
Population density	160 / sq mi
State FIPS	32
County FIPS	005

Geography
Land area	12.29 sq mi
Water area	0.35 sq mi
Latitude	39.0279
Longitude	-119.9197
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	21.5%	31.3%	40.3%
$50k – $100k	28.2%	36.2%	32.2%
$100k – $200k	30.1%	24.7%	21.6%
Over $200k	20.2%	7.8%	5.9%

Demographics & statistics

1,969

Population

160

People per sq mi

57.3

Median age

$127,454

Median household income

$98,751

Per capita income

$1,267,600

Median home value

$1,796

Median monthly rent

82.5%

Home ownership

5.1%

Poverty rate

2.6%

Unemployment

1,570

Housing units

56.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

128

45–54

55–59

143

60–64

110

224

65–74

173

125

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	267	13.6%
18 and over	1,702	86.4%
65 and over	666	33.8%
Median age	57.3 years

Race & ethnicity

White 63.8%

Hispanic or Latino 12.8%

Other race 10.1%

Asian 8.6%

Two or more races 3.7%

Black or African American 0.8%

American Indian / Alaska Native 0.2%

Group	Count	%
White	1,439	63.8%
Hispanic or Latino	288	12.8%
Other race	229	10.1%
Asian	195	8.6%
Two or more races	84	3.7%
Black or African American	17	0.8%
American Indian / Alaska Native	5	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.5%	31.3%	40.3%
$50k – $100k	28.2%	36.2%	32.2%
$100k – $200k	30.1%	24.7%	21.6%
Over $200k	20.2%	7.8%	5.9%

Under $10k 2.9%

$15k–$25k 2.8%

$25k–$35k 8.9%

$35k–$50k 4.7%

$50k–$75k 13.4%

$75k–$100k 10.5%

$100k–$150k 14.4%

$150k–$200k 12.8%

$200k+ 29.7%

Range	% of households
Under $10k	2.9%
$15k–$25k	2.8%
$25k–$35k	8.9%
$35k–$50k	4.7%
$50k–$75k	13.4%
$75k–$100k	10.5%
$100k–$150k	14.4%
$150k–$200k	12.8%
$200k+	29.7%
Median income	$127,454

Housing

Home values

$150k–$200k 1.3%

$300k–$500k 4.5%

$500k–$1M 35.5%

$1M+ 58.7%

Housing overview

Metric	Value
Median home value	$1,267,600
Median rent / month	$1,796
Owner occupied	82.5%
Renter occupied	17.5%
Vacant	47.4%
Single-family detached	67.9%
Large apartment buildings	0.7%
Mobile homes	0.0%
Median rooms	5.9
Avg household size (owned)	2.21

Year built

Era	%
2020 or later	0.6%
2010–2019	0.0%
2000–2009	5.6%
1990–1999	2.7%
1980–1989	9.4%
1970–1979	45.6%
1960–1969	20.5%
1950–1959	7.2%
1940–1949	4.3%
1939 or earlier	4.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	4.4%
2 bedrooms	11.9%
3 bedrooms	48.4%
4 bedrooms	24.5%
5+ bedrooms	9.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	41.5%
2 vehicles	31.6%
3 or more	27.0%

Heating fuel

Fuel type	%
Utility gas	84.4%
Electricity	13.4%

Households & families

Household type	Count	%
Married-couple family	533	58.6%
Cohabiting couple	18	2.0%
Male householder, no spouse	199	21.9%
Female householder, no spouse	159	17.5%
Households with children under 18	170	18.7%
Households with seniors (65+)	474	52.1%
Average household size	2.17

Marital status

Status	Male	Female
Never married	23.2%	17.2%
Married	62.8%	60.7%
Separated	0.9%	5.5%
Widowed	3.3%	6.4%
Divorced	9.8%	10.1%

Education

Less than 9th grade 1.3%

Some HS, no diploma 0.9%

HS graduate 6.5%

Some college, no degree 18.8%

Associate's degree 15.7%

Bachelor's degree 30.2%

Graduate / professional 26.6%

Metric	%
HS diploma or higher	97.8%
Bachelor's or higher	56.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	15	4.7%
Elementary school	70	21.9%
High school	160	50.0%
College / grad school	75	23.4%

Employment

Industry of employment

Finance & real estate 21.7%

Professional & management 20.3%

Education & healthcare 16.6%

Arts, food & hospitality 9.5%

Construction 6.8%

Other services 4.9%

Manufacturing 4.5%

Wholesale trade 3.2%

Public administration 3.2%

Transportation & utilities 3.1%

Information 2.4%

Retail trade 2.0%

Agriculture & mining 1.8%

Occupation

Category	%
Management, business & arts	61.5%
Service	17.4%
Sales & office	8.3%
Natural resources & construction	11.1%
Production & transportation	1.7%

Employment type

Type	%
Private sector	79.9%
Government	11.9%
Self-employed	8.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.9%
Carpool	1.0%
Public transit	0.0%
Walk	0.0%
Work from home	31.1%
Other means	3.0%
Avg commute (minutes)	19.0

Poverty

All people 5.1%

Under 18 years 7.4%

18 and over 4.8%

Married-couple families 1.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	47.5%
Retirement income	26.0%
Supplemental Security	4.0%
Cash public assistance	1.2%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	28.8%
High blood pressure	35.0%
High cholesterol	36.6%
Diabetes	10.5%
Heart disease	7.6%
Stroke	3.0%
Asthma	9.2%
Arthritis	28.5%
Kidney disease	3.1%
Pulmonary disease	7.0%
Cancer	8.8%

Behavior / access	%
Smoking	14.4%
Binge drinking	17.2%
No physical activity	18.0%
Less than 7 hrs sleep	30.8%
Depression	18.3%
Fair or poor health	12.8%
Poor mental health	12.3%
Poor physical health	10.3%
No health insurance	9.2%
Visited doctor (checkup)	72.5%
Visited dentist	68.9%
Cholesterol screening	93.6%
Teeth loss	8.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	152	8.9%

Disability	%
Any disability	12.0%
Under 18	0.0%
18–64 years	2.8%
65 and over	31.1%

Health insurance coverage

Type	%
Private insurance	84.7%
Public insurance	40.7%
No insurance	2.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,922	97.6%
Spanish	124	6.5%
Other Indo-European	124	6.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,753	89.0%
Born in same state	1,742	88.5%
Born in different state	137	7.0%
Foreign born	11	0.6%
Naturalized citizen	216	11.0%
Not a US citizen	80	37.0%

Ancestry

Ancestry	Count	%
Italian	301	15.3%
French	273	13.9%
Polish	129	6.6%
Arab	102	5.2%

Ancestry	Count	%
English	36	1.8%
German	25	1.3%
Norwegian	8	0.4%
Irish	7	0.4%

Technology access

Metric	% of households
Computer access	46.2%
Internet access	94.5%

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

Frequently asked questions about ZIP code 89448

What city is ZIP code 89448 in?

ZIP code 89448 is primarily assigned to Zephyr Cove, Nevada.

What county is ZIP code 89448 in?

ZIP code 89448 falls within Douglas County, Nevada.

Does ZIP code 89448 have an older population?

34% of residents in ZIP code 89448 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 89448?

57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 89448 have a large retiree population?

48% of households in ZIP code 89448 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 89448 mostly owner-occupied?

83% of occupied units in ZIP code 89448 are owner-occupied, well above the national average.

What timezone is ZIP code 89448 in?

ZIP code 89448 observes the PST timezone.