89448 — Douglas County, Nevada Market Snapshot
Housing market data for zip code 89448 in Douglas County, Nevada. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$1,900,000
Days to Sell
45
Homes Sold
19
Inventory
28
Sale-to-List
96.6%
New Listings
32
Price/SqFt
$868
Pending Sales
26
Jumbo Loan Likely Needed
The median home in 89448 at $1,900,000 exceeds the 2026 conforming loan limit of $832,750 by $1,067,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
89448's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 89448 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 89448 at $1,900,000 exceeds the 2026 conforming loan limit of $832,750 by $1,067,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 89448 are set at the county level.
2026 Loan Limits — Douglas County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $736,000 |
| 2 Units | $1,066,250 | $942,200 |
| 3 Units | $1,288,800 | $1,138,900 |
| 4 Units | $1,601,750 | $1,415,400 |
Affordability Snapshot — Zip 89448
To purchase the median home at $1,900,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,707.
Monthly Payment
$14,707
Income Required
$630,309
Principal & Interest
$11,707/mo
Down Payment (5%)
$95,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 89448.
Estimated Monthly Payment
$11,909
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 89448.
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