89061 — Nye County, Nevada Market Snapshot
Housing market data for zip code 89061 in Nye County, Nevada. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$375,000
Days to Sell
107
Homes Sold
55
Inventory
139
Sale-to-List
97.8%
New Listings
99
Price/SqFt
$200
Pending Sales
65
Conforming Loan Available
Most homebuyers in 89061 can comfortably use conventional financing. The median home price of $375,000 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
With homes sitting for 107 days on average, 89061 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 89061 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 89061 can comfortably use conventional financing. The median home price of $375,000 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 89061 are set at the county level.
2026 Loan Limits — Nye 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 89061
To purchase the median home at $375,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,023.
Monthly Payment
$3,023
Income Required
$129,563
Principal & Interest
$2,311/mo
Down Payment (5%)
$18,750
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 89061.
Estimated Monthly Payment
$2,471
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