Carson City, Nevada.
Typical home $500,511 (+1.2% in a year), asking rent $2,126 (+5.6%). Carson City, NV metro.
to buy the typical home at today's mortgage rate — +$1,363 (+108%) since Jan 2020.
- 1 year
- Up $5,756 +1%
- $494,755$500,511 since Sep 2025
- 5 years
- Up $50,657 +11%
- $449,854$500,511 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Carson City$2,627
- Nevada$2,313
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 32 years.
Typical home values in Carson City, NV rose 1.2% over the past year — in step with the nation.
Asking rents in Carson City, NV rose 5.6% over the past year — faster than the nation's +2.7%.
Owning the typical home in Carson City runs $1,209/mo more than renting one. The gap peaked at $1,367 in Oct 2023.
That is $3,335 a month against $2,126 rent: a $2,627 mortgage payment, plus $172 property tax and $536 insurance & upkeep.
Owning vs renting — Carson City
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,335
- Renting$2,126
- Mortgage only$2,627
Property tax · $172/mo 0.41% of value a year — the ACS 2020-2024 median bill over the median home value for Carson City, NV
Insurance & upkeep · $536/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Carson City, Nevada
Carson City, in Carson City, had 58,639 people in the 2020 census. Half its households earn more than $72,355 a year and half less, against $72,355 across Carson City; 10% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Carson City was 3.4% in August 2026, and the county had 2.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Carson City is Nevada's capital, and it is a small city rather than a large one. Residents are somewhat older than the typical American, and most households own the home they live in. Incomes sit in the middle range, and homes are costly to buy while rents are steep for a town this size. Winters are cold and snowy, with a few inches of snow that comes and goes, while summers turn hot and dry, and the year as a whole sees little rain.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in restaurants, hotels and entertainment, and in government. Among the largest workplaces in Carson City are Carson Tahoe Regional Healthcare, Carson City Schools and Western Nevada College. The commute is short, and unemployment has eased over the past year while the number of jobs has grown.
Things to do. The Nevada State Railroad Museum is in or beside town. A short drive away are Washoe Lake State Park, with its lake, and Lake Tahoe State Park. Farther afield, a longer drive reaches Lake Tahoe itself and the ski slopes around it, including Palisades Tahoe.
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- 23,692households
- 24%of adults have a degree
- 10%below the poverty line
- 20 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Carson City had 32,571 jobs in 2025, 2.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 45° and lows near 24°; warmest in July, with highs near 90° and lows near 55°. About 14 inches of snow and 9 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Carson City weather station, 2 miles away (NOAA).
Largest workplaces in Carson City
- State Sponsored Charter SchoolsSchool district4,142FTE
- Briggs ElectricElectrical, electrical wiring, and low voltage electrical work1,277
- Carson Tahoe Regional HealthcareGeneral hospital1,125FTE
- Carson City SchoolsSchool district908FTE
- Western Nevada CollegeUniversity or college501
- Click Bond CarsonBolts, metal, manufacturing438
- WalmartWarehouse clubs and supercenters320
- Chromalloy NevadaTurbine engine parts repair and service217
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 51 workplaces with 20 or more staff, 5,471 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherVery high
- EarthquakesRelatively high
- WildfireRelatively high
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Carson City’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Carson City and the Carson City, NV metro.
Carson City home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Carson City$500,511
- Nevada$440,739
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Carson City listings, and the typical home goes pending in 17 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Carson City24.77%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Carson City17
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Carson City205
New listings per month
Sellers arriving at the market.
- Carson City70
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Carson City$508,006
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Carson City98.45%
Zip codes with a Carson City address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Carson City — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Carson City
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 89701 | Carson City | 28,766 | $2,103 | $476,113 |
| 89706 | Carson City | 20,478 | $1,658 | $452,631 |
| 89703 | Carson City | 10,738 | $2,155 | $627,090 |
| 89705 | Carson City | 4,935 | — | $538,931 |
| 89704 | Washoe Valley | 4,846 | — | $722,464 |