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City · 15,781 residents · Lyon County, Nevada

Dayton , Nevada

In Dayton, a typical home is worth $433,200 and typical rent is $1,521 a month. Compared with all of Lyon County, typical household income is 27% higher and the typical home value is 18% higher.

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  • Typical home value

    $433,200

    18% above the county

    About the same as Nevada

    • Dayton
    • Lyon
    • Nevada

  • Typical rent

    $1,521a month

    15% above the county

    5% below Nevada

    • Dayton
    • Lyon
    • Nevada

  • Typical household income

    $102,819a year

    27% above the county

    31% above Nevada

    • Dayton
    • Lyon
    • Nevada

  • Households that own their home

    80%

    3 points above the county

    20 points above Nevada

    • Dayton
    • Lyon
    • Nevada

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$459,263
2.3% more than 12 months ago
Typical rent
$2,101 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Dayton is in Lyon County. The FHA loan limit ($638,250 for a one-unit home), the fair market rents and the help on this page are those of all of Lyon County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dayton apart

What this place has that others do not, from public data, most unusual first.

  1. Dayton has the smallest share of rent-burdened renters of the 32 cities in Nevada with more than 5,000 people: 34%.

  2. Nearby, in Silver Springs, the typical home value is $244,400: 44% less than in Dayton ($433,200).

  3. The typical household income in Dayton is $102,819, 27% more than in Lyon County as a whole ($80,812).

  4. Nearby, in Silver Springs, the typical rent is $1,201: 21% less than in Dayton ($1,521).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Dayton rose 2.3%; in Nevada, it fell 1.6%.

  6. The typical home in Dayton is worth $433,200, 18% more than in Lyon County as a whole ($366,100).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Dayton

What homes there are in Dayton, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Dayton: 89% of homes, more than in Lyon County (73%).

Year built

The typical home in Dayton was built in 2002, 4 years after the typical one in Lyon County.

In Dayton, 88% of homes have 3 bedrooms or more, more than in Lyon County (78%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,874 a month

Lyon County: $1,801 a month

Without a mortgage

$529 a month

Lyon County: $499 a month

Owners with a mortgage

75%

Lyon County: 64%

The typical cost for an owner with a mortgage in Dayton is $1,874 a month, near the figure in Lyon County ($1,801).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Dayton does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Lyon County the typical home value rose 70%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDaytonLyon CountyNevadaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.3%4.4%3.4%
People per household 2.702.592.622.53
Drive alone 77%77%71%69%
Carpool 11%11%11%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 12%8%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Lyon County, a household in Dayton has 2.70 people on average.

Many people here do not commute at all: 12% work from home; in Lyon County, 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Dayton?

A typical home costs more than the typical income allows

We start with a typical home in Dayton, worth $433,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Dayton, which is $102,819 a year. For that payment to be 28% of income, a household would need to earn about $146,092 a year.

The calculator's FHA and conventional loan limits are those of all of Lyon County.

Your numbers

Local data
$

Starts at the typical home value in Dayton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,162 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,409

at 7.18% · 30 years

Loan amount
$425,354
Total interest
$611,984
Paid off in
November 2056

Includes $7,316 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,399 a month

  • Tight

    $2,399 to $3,085 a month

  • Hard

    more than $3,085 a month

    Your payment · 40%

Compared with the typical household income in Dayton ($102,819 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,409
Principal & interest$2,881
Property tax$155
Home insurance$181
FHA mortgage insurance (MIP)$192

You need at least $15,162 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Dayton and Lyon County

Dayton is in Lyon County, Nevada. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Dayton's own numbers

Typical home value
$433,200
Typical monthly rent
$1,521
Typical yearly household income
$102,819
Households that own their home
80%
Effective property tax rate
0.43%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lyon County

FHA limit, one-unit home
$638,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,279
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
5.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lyon County.

Everything about Lyon County

Buying

Buying a home in Dayton

A typical home in Dayton is worth $433,200: 18% above the county and about the same as Nevada. With the typical household income in Dayton ($102,819 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Dayton 4.2 years
  • Lyon 4.5 years
  • Nevada 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lyon County

According to FHFA’s house price index, home prices in Lyon County rose 132% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lyon County.

Period County Nevada U.S.
Last year (2025) +2.4% +2.2% +2.9%
5 years (2020–2025) +39% +49% +47%
10 years (2015–2025) +132% +121% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Dayton next to Lyon County, Nevada and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Dayton $433,200
  • Lyon $366,100
  • Nevada $435,400
  • United States $332,700
Typical monthly rent
  • Dayton $1,521
  • Lyon $1,326
  • Nevada $1,597
  • United States $1,413
Typical yearly household income
  • Dayton $102,819
  • Lyon $80,812
  • Nevada $78,260
  • United States $80,734
See the full table
Dayton next to Lyon County and Nevada
Measure Dayton Lyon County Nevada U.S.
Typical home value $433,200 $366,100 $435,400 $332,700
Typical monthly rent $1,521 $1,326 $1,597 $1,413
Typical yearly household income $102,819 $80,812 $78,260 $80,734
Households that own their home 80% 77% 60% 65%
Typical yearly property tax $1,846 $1,668 $2,027 $3,119
Effective property tax rate 0.43% 0.46% 0.47% 0.94%
Renters with high rent for their income 34% 45% 56% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lyon County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Dayton

For a typical $433,200 home in Dayton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dayton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,409a month

    Least cash to close
    Down payment
    $15,162
    Cash to close
    $28,158
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $192

  • Conventional, 5% down $3,329a month

    Down payment
    $21,660
    Cash to close
    $34,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $206

  • Conventional, 20% down, no PMI $2,683a month

    Down payment
    $86,640
    Cash to close
    $99,636
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,084a month

    Down payment
    $64,980
    Cash to close
    $77,976
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Dayton and for Lyon County.

Property tax

Effective rate in Dayton

0.43%of the home’s value each year

$1,846 a year for the typical owner in Dayton.

  • Dayton 0.43%
  • Lyon 0.46%
  • Nevada 0.47%

What Nevada publishes 3 percent cap on the yearly tax increase for your primary residence (Nevada Legislature (Nevada Revised Statutes))

Exemptions and deadlines in Nevada

Flood risk in Lyon County

FEMA does not publish these numbers by city: they are for all of Lyon County.

Homes in the high-risk zone
5.2%
1,414
Of those, with NFIP insurance
18%
County Nevada U.S.
Homes in the high-risk zone 5.2% 2% 3.5%
Of those, with NFIP insurance 18% 30% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dayton

Typical rent in Dayton is $1,521 a month: 15% above the county. In Dayton, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lyon County, by unit size. To pay the 2-bedroom one ($1,279 a month) without spending more than 30% of your income, you would need to earn $24.60 an hour working full time.

HUD fair market rent for all of Lyon County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,076 $20.69 $43,040
1 bedroom $1,082 $20.81 $43,280
2 bedrooms $1,279 $24.60 $51,160
3 bedrooms $1,771 $34.06 $70,840
4 bedrooms $2,138 $41.12 $85,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Dayton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dayton is in ZIP code 89403.

For 2 bedrooms it is $1,690: $411 more than the fair market rent for Lyon County ($1,279).

  • 89403 $1,690$2,290

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dayton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Dayton

HUD lists 3 buildings with rents for lower incomes in Dayton. These are the largest.

  • Highland at Vista 3501 Vista Grande BLVD., Dayton 89403 52 homes, 51 low-income · 1 bd: 10 · 2 bd: 30 · 3 bd: 12 · In service since 2019
  • River Valley Apartments 350 Dayton Valley Rd, Dayton 89403 24 low-income homes · 2 bd: 12 · In service since 2000 · For families
  • Dayton Valley Village II 369 Dayton Valley Rd, Dayton 89403 22 low-income homes · 2 bd: 16 · In service since 1995 · For older adults, people with disabilities, families

See all 12 buildings in Lyon County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dayton

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lyon County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Dayton

No down payment, repair or rent-help program on our list is for Dayton or Lyon County. The ones below are statewide in Nevada: they work in Dayton the same as in the rest of the state.

Which programs do I qualify for? All programs in Nevada

  • Home Is Possible

    Statewide in Nevada

    Nevada Housing Division program: up to 5% of the loan for the down payment or closing costs, with no first-time buyer requirement. Offered by Nevada Housing Division.

    Type not stated

    See the program Official page

  • Home Is Possible For First-Time Homebuyers

    Statewide in Nevada

    Nevada Housing Division program for first-time buyers: a 30-year mortgage with interest-free help for the down payment and closing costs of up to 4% of the loan, which is not forgiven. Offered by Nevada Housing Division.

    Type not stated

    See the program Official page

  • Home Is Possible For Teachers

    Statewide in Nevada

    $7,500 from the Nevada Housing Division for public school teachers, for the down payment and closing costs; forgiven after five years if you still live in the home. Offered by Nevada Housing Division.

    Forgivable

    See the program Official page

Housing counselors near Dayton

The HUD-approved agencies closest to the center of Dayton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Services of Nevada (CSNV)

    500 N Rainbow Blvd, Las Vegas · 318 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (702) 307-1710

  • NSC (naca Counseling Subsidiary) - Las Vegas, NV

    3030 S Jones Blvd Ste 103, Las Vegas · 320 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (702) 362-6199

  • Nevada Partners, Inc.

    690 W Lake Mead Blvd, North Las Vegas · 321 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (702) 844-8000

All counseling agencies in Nevada

Help in Spanish near Dayton

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Dayton

HUD lists no housing authority with an office in Lyon County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Nevada Source: HUD

Cities

Other cities in Lyon County

These cities are also in Lyon County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lyon County Housing in Nevada

Nearby cities

The cities closest to Dayton, with the typical home value.

Neighboring counties

If Lyon County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Dayton.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Dayton

Short answers with the numbers for Dayton and all of Lyon County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Dayton?

The typical home value in Dayton is $433,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lyon County it is $366,100.

How much does it cost to rent in Dayton?

Typical rent in Dayton is $1,521 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lyon County is $1,279.

What is the FHA loan limit in Dayton?

Dayton uses the FHA limit for all of Lyon County (2026): $638,250 for a one-unit home and $1,227,400 for a four-unit home.

How much property tax do owners pay in Dayton?

The typical homeowner in Dayton pays $1,846 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Lyon County, the rate is 0.46%.

Where can I find free help to buy or rent in Dayton?

We found no HUD-approved counseling agencies with an office in Lyon County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).