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City · 9,272 residents · Washoe County, Nevada

Incline Village , Nevada

In Incline Village, a typical home is worth $1,454,600 and typical rent is $1,961 a month. Compared with all of Washoe County, the typical home value is 169% higher, typical household income is 90% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $1,454,600

    169% above the county

    234% above Nevada

    • Incline Village
    • Washoe
    • Nevada

  • Typical rent

    $1,961a month

    22% above the county

    23% above Nevada

    • Incline Village
    • Washoe
    • Nevada

  • Typical household income

    $167,069a year

    90% above the county

    113% above Nevada

    • Incline Village
    • Washoe
    • Nevada

  • Households that own their home

    71%

    11 points above the county

    11 points above Nevada

    • Incline Village
    • Washoe
    • Nevada

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

Market now, with Zillow data

Zillow data
Typical home value
$1,531,704
6.1% more than 12 months ago
Typical rent
$4,490 a month
7.7% more than 12 months ago

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

Incline Village is in Washoe 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 Washoe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Incline Village apart

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

  1. Incline Village has the highest typical household income of the 33 cities in Nevada with more than 5,000 people: $167,069.

  2. Incline Village has the highest typical home value of the 32 cities in Nevada with more than 5,000 people: $1,454,600.

  3. Nearby, in Dayton, the typical home value is $433,200: 70% less than in Incline Village ($1,454,600).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Incline Village rose 6.1%; in Nevada, it fell 1.6%.

  5. Nearby, in Johnson Lane, the typical rent is $1,475: 25% less than in Incline Village ($1,961).

  6. The typical rent in Incline Village is $1,961 a month, 22% more than in Washoe County as a whole ($1,608).

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

The homes here

Housing in Incline Village

What homes there are in Incline Village, 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

As in Washoe County, most homes in Incline Village are detached houses (58%).

Year built

In Incline Village, half of the homes were built before 1981; in Washoe County, before 1991.

Homes in Incline Village are bigger: 72% have 3 bedrooms or more; in Washoe County, 60%.

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

$3,376 a month

Washoe County: $2,117 a month

Without a mortgage

$1,246 a month

Washoe County: $601 a month

Owners with a mortgage

58%

Washoe County: 65%

Owning costs more in Incline Village: with a mortgage, the typical cost is $3,376 a month; in Washoe County, $2,117. Without one, $1,246.

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

Since 2015–2019, homes in Incline Village gained value faster than in Washoe County: 67% against 62%.

The typical rent in Incline Village rose 28% over the same time; in Washoe County, it rose 50%.

The typical household income in Incline Village rose 69% over that time; home values changed +67% and rent +28%.

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

MeasureIncline VillageWashoe CountyNevadaUnited States
Rental vacancy Unreliable estimate6.2%6.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate4.3%4.4%3.4%
People per household 2.272.462.622.53
Drive alone 45%69%71%69%
Carpool Unreliable estimate12%11%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 42%13%12%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Incline Village has 2.27 people, fewer than in Washoe County (2.46).

Many people here do not commute at all: 42% work from home; in Washoe County, 13%.

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 Incline Village?

A typical home costs more than the typical income allows

We start with a typical home in Incline Village, worth $1,454,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 84% of the typical household income in Incline Village, which is $167,069 a year. For that payment to be 28% of income, a household would need to earn about $500,576 a year. Note: at that price the loan is above the FHA limit for Washoe County ($638,250), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Incline Village. 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 $50,911 (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

$11,680

at 7.18% · 30 years

Loan amount
$1,428,254
Total interest
$2,054,922
Paid off in
November 2056

Includes $24,565 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,898 a month

  • Tight

    $3,898 to $5,012 a month

  • Hard

    more than $5,012 a month

    Your payment · 84%

Compared with the typical household income in Incline Village ($167,069 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$11,680
Principal & interest$9,675
Property tax$521
Home insurance$606
FHA mortgage insurance (MIP)$877

This loan is over the FHA limit

You'd borrow $1,403,689, but the FHA limit for a one-unit home in Incline Village is $638,250. You'd need a bigger down payment or a different loan.

You need at least $50,911 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

Incline Village and Washoe County

Incline Village is in Washoe 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).

Incline Village's own numbers

Typical home value
$1,454,600
Typical monthly rent
$1,961
Typical yearly household income
$167,069
Households that own their home
71%
Effective property tax rate
0.43%

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

Numbers for all of Washoe County

FHA limit, one-unit home
$638,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,837
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
1.7%

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 Washoe County.

Everything about Washoe County

Buying

Buying a home in Incline Village

A typical home in Incline Village is worth $1,454,600: 169% above the county and 234% above Nevada. With the typical household income in Incline Village ($167,069 a year), a typical home costs 8.7 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.

  • Incline Village 8.7 years
  • Washoe 6.1 years
  • Nevada 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washoe County

According to FHFA’s house price index, home prices in Washoe County rose 116% in the 10 years through 2025.

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

Period County Nevada U.S.
Last year (2025) +2.4% +2.2% +2.9%
5 years (2020–2025) +45% +49% +47%
10 years (2015–2025) +116% +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

Incline Village next to Washoe 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
  • Incline Village $1,454,600
  • Washoe $539,900
  • Nevada $435,400
  • United States $332,700
Typical monthly rent
  • Incline Village $1,961
  • Washoe $1,608
  • Nevada $1,597
  • United States $1,413
Typical yearly household income
  • Incline Village $167,069
  • Washoe $88,096
  • Nevada $78,260
  • United States $80,734
See the full table
Incline Village next to Washoe County and Nevada
Measure Incline Village Washoe County Nevada U.S.
Typical home value $1,454,600 $539,900 $435,400 $332,700
Typical monthly rent $1,961 $1,608 $1,597 $1,413
Typical yearly household income $167,069 $88,096 $78,260 $80,734
Households that own their home 71% 60% 60% 65%
Typical yearly property tax $6,313 $2,385 $2,027 $3,119
Effective property tax rate 0.43% 0.44% 0.47% 0.94%
Renters with high rent for their income 41% 52% 56% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washoe 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 Incline Village

For a typical $1,454,600 home in Incline Village, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Incline Village's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $11,680a month

    Above the FHA limit for Washoe County ($638,250)
    Down payment
    $50,911
    Cash to close
    $94,549
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $877

  • Conventional, 5% down $11,180a month

    Above the conventional limit for Washoe County ($832,750): it would be a "jumbo" loan
    Down payment
    $72,730
    Cash to close
    $116,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $691

  • Conventional, 20% down, no PMI $9,010a month

    Above the conventional limit for Washoe County ($832,750): it would be a "jumbo" loan
    Down payment
    $290,920
    Cash to close
    $334,558
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $10,355a month

    Down payment
    $218,190
    Cash to close
    $261,828
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Incline Village and for Washoe County.

Property tax

Effective rate in Incline Village

0.43%of the home’s value each year

$6,313 a year for the typical owner in Incline Village.

  • Incline Village 0.43%
  • Washoe 0.44%
  • 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 Washoe County

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

Homes in the high-risk zone
1.7%
2,714
Of those, with NFIP insurance
31%
County Nevada U.S.
Homes in the high-risk zone 1.7% 2% 3.5%
Of those, with NFIP insurance 31% 30% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Incline Village

Typical rent in Incline Village is $1,961 a month: 22% above the county. In Incline Village, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washoe County, by unit size. To pay the 2-bedroom one ($1,837 a month) without spending more than 30% of your income, you would need to earn $35.33 an hour working full time.

HUD fair market rent for all of Washoe 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 $1,279 $24.60 $51,160
1 bedroom $1,460 $28.08 $58,400
2 bedrooms $1,837 $35.33 $73,480
3 bedrooms $2,452 $47.15 $98,080
4 bedrooms $2,842 $54.65 $113,680

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 Incline Village

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Incline Village has 2 ZIP codes with their own.

For 2 bedrooms it is $2,350 in all of them.

2 of the 2 are above the fair market rent for Washoe County ($1,837).

  • 89450 $2,350$3,140
  • 89451 $2,350$3,140

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Incline Village 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?

Free help

Help to buy or rent in Incline Village

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 Washoe County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Incline Village

No down payment, repair or rent-help program on our list is for Incline Village or Washoe County. The ones below are statewide in Nevada: they work in Incline Village 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 Incline Village

The HUD-approved agencies closest to the center of Incline Village, 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 · 334 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 · 337 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 · 337 miles away

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

All counseling agencies in Nevada

Help in Spanish near Incline Village

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 Incline Village

In HUD’s record, no housing authority with an office in Washoe County is named for Incline Village or Washoe County.

One other authority has an office in Washoe County: see the list Source: HUD

Cities

Other cities in Washoe County

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

Everything about Washoe County Housing in Nevada

Nearby cities

The cities closest to Incline Village, with the typical home value.

Neighboring counties

If Washoe 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 Incline Village.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Incline Village

Short answers with the numbers for Incline Village and all of Washoe 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 Incline Village?

The typical home value in Incline Village is $1,454,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washoe County it is $539,900.

How much does it cost to rent in Incline Village?

Typical rent in Incline Village is $1,961 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washoe County is $1,837.

What is the FHA loan limit in Incline Village?

Incline Village uses the FHA limit for all of Washoe 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 Incline Village?

The typical homeowner in Incline Village pays $6,313 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Washoe County, the rate is 0.44%.

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

We found no HUD-approved counseling agencies with an office in Washoe 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).