89815 — Elko County, Nevada Market Snapshot
Housing market data for zip code 89815 in Elko County, Nevada. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$407,500
Days to Sell
47
Homes Sold
74
Inventory
39
Sale-to-List
99.1%
New Listings
76
Price/SqFt
$222
Pending Sales
79
Conforming Loan Available
Most homebuyers in 89815 can comfortably use conventional financing. The median home price of $407,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
89815's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 89815 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 89815 can comfortably use conventional financing. The median home price of $407,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 89815 are set at the county level.
2026 Loan Limits — Elko County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 89815
To purchase the median home at $407,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,272.
Monthly Payment
$3,272
Income Required
$140,235
Principal & Interest
$2,511/mo
Down Payment (5%)
$20,375
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 89815.
Estimated Monthly Payment
$2,672
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