In Winnemucca, a typical home is worth $309,100 and typical rent is $965 a month. Compared with all of Humboldt County, the typical home value is 11% higher and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $282,863 to $358,934.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winnemucca is in Humboldt County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Humboldt County. See the county
What this place has that others do not, from public data, most unusual first.
1
Winnemucca has the lowest typical rent of the 33 cities in Nevada with more than 5,000 people: $965.
2
According to Zillow, in the 12 months to September 2026 the typical home value in Winnemucca rose 4.3%; in Nevada, it fell 1.6%.
3
Nearby, in Silver Springs, the typical home value is $244,400: 21% less than in Winnemucca ($309,100).
4
61% of households in Winnemucca own their home, against 74% in Humboldt County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Winnemucca
What homes there are in Winnemucca, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Winnemucca
Humboldt County
Nevada
United States
Kind of home: Winnemucca and its comparisons
Measure
Winnemucca
Humboldt County
Nevada
United States
Detached house
59%
50%
60%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
14%
7%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
22%
19%
Mobile home
12%
34%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Winnemucca, 6 in 10 homes are single-family detached houses; in Humboldt County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Winnemucca
Humboldt County
Nevada
United States
Year built: Winnemucca and its comparisons
Measure
Winnemucca
Humboldt County
Nevada
United States
Before 1960
22%
14%
5%
26%
1960–1979
14%
20%
17%
24%
1980–1999
40%
40%
37%
25%
2000–2009
10%
13%
26%
14%
2010 or later
14%
13%
15%
11%
The typical home in Winnemucca was built in 1987, 4 years before the typical one in Humboldt County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K15%
$200K–$300K25%
$300K–$500K44%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Winnemucca and its comparisons
Measure
Winnemucca
Under $100K
Unreliable estimate
$100K–$200K
15%
$200K–$300K
25%
$300K–$500K
44%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49932%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Winnemucca and its comparisons
Measure
Winnemucca
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
32%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,771 a month
Humboldt County: $1,665 a month
Without a mortgage
$437 a month
Humboldt County: $449 a month
Owners with a mortgage
67%
Humboldt County: 60%
Owning costs more in Winnemucca: with a mortgage, the typical cost is $1,771 a month; in Humboldt County, $1,665. Without one, $437.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winnemucca+41%
Humboldt County+54%
Nevada+63%
United States+53%
Typical rent
Winnemucca+18%
Humboldt County+18%
Nevada+44%
United States+33%
Typical household income
Winnemucca+22%
Humboldt County+20%
Nevada+30%
United States+29%
Change since 2015–2019: Winnemucca and its comparisons
Measure
Winnemucca
Humboldt County
Nevada
United States
Typical home value
+41%
+54%
+63%
+53%
Typical rent
+18%
+18%
+44%
+33%
Typical household income
+22%
+20%
+30%
+29%
Homes in Winnemucca gained value more slowly than in Humboldt County: 41% since 2015–2019, against 54%.
Much as in Humboldt County, the typical rent in Winnemucca rose 18% since 2015–2019.
While home values in Winnemucca changed +41% and rent +18%, the typical household income rose 22%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Winnemucca and its comparisons
Measure
Winnemucca
Humboldt County
Nevada
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
5.7%
4.0%
4.4%
3.4%
People per household
2.41
2.48
2.62
2.53
Drive alone
67%
70%
71%
69%
Carpool
14%
13%
11%
9%
Public transit
8%
8%
2%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
6%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 5.7% of households in Winnemucca live, more than in Humboldt County (4.0%).
By size, households in Winnemucca look like those in Humboldt County: 2.41 people on average.
To get to work, 67% of workers in Winnemucca drive alone; in Humboldt County, 70%.
Do the math
What would you pay each month for a home in Winnemucca?
A typical home costs more than the typical income allows
We start with a typical home in Winnemucca, worth $309,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Winnemucca, which is $81,824 a year. For that payment to be 28% of income, a household would need to earn about $105,566 a year.
The calculator's FHA and conventional loan limits are those of all of Humboldt County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Winnemucca. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,819 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,463
at 7.18% · 30 years
Loan amount
$303,501
Total interest
$436,667
Paid off in
November 2056
Includes $5,220 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,909 a month
Tight
$1,909 to $2,455 a month
Hard
more than $2,455 a month
Your payment · 36%
Compared with the typical household income in Winnemucca ($81,824 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,056
Property tax
$142
Home insurance
$129
FHA mortgage insurance (MIP)
$137
You need at least $10,819 for the down payment, plus closing costs.
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.
Total monthly payment $2,463; principal and interest $2,056.
The city and its county
Winnemucca and Humboldt County
Winnemucca is in Humboldt 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).
Winnemucca
Map of Humboldt County, Nevada, with Winnemucca marked. Around it, the neighboring counties.
Winnemucca
Humboldt County
Winnemucca's own numbers
Typical home value
$309,100
Typical monthly rent
$965
Typical yearly household income
$81,824
Households that own their home
61%
Effective property tax rate
0.55%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Humboldt County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,247
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.8%
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 Humboldt County.
A typical home in Winnemucca is worth $309,100: 11% above the county and 29% below Nevada. With the typical household income in Winnemucca ($81,824 a year), a typical home costs 3.8 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.
Winnemucca3.8 years
Humboldt3.4 years
Nevada5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Humboldt County
According to FHFA’s house price index, home prices in Humboldt County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Humboldt County.
Yearly change in FHFA’s price index in Humboldt County, 2016 to 2025
2016: −0.3% −0.3% 2016
2017: +4.5% +4.5% 2017
2018: +4.7% +4.7% 2018
2019: +6.6% +6.6% 2019
2020: +4.7% +4.7% 2020
2021: +14.3% +14.3% 2021
2022: +16.3% +16.3% 2022
2023: −0.5% −0.5% 2023
2024: +6.0% +6.0% 2024
2025: +7.6% +7.6% 2025
Change in FHFA’s price index in Humboldt County, Nevada and the United States
Period
County
Nevada
U.S.
Last year (2025)
+7.6%
+2.2%
+2.9%
5 years (2020–2025)
+51%
+49%
+47%
10 years (2015–2025)
+84%
+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
Winnemucca next to Humboldt 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
Winnemucca$309,100
Humboldt$278,300
Nevada$435,400
United States$332,700
Typical monthly rent
Winnemucca$965
Humboldt$994
Nevada$1,597
United States$1,413
Typical yearly household income
Winnemucca$81,824
Humboldt$81,073
Nevada$78,260
United States$80,734
See the full table
Winnemucca next to Humboldt County and Nevada
Measure
Winnemucca
Humboldt County
Nevada
U.S.
Typical home value
$309,100 ▲11% above the county
$278,300
$435,400
$332,700
Typical monthly rent
$965 ▼3% below the county
$994
$1,597
$1,413
Typical yearly household income
$81,824
$81,073
$78,260
$80,734
Households that own their home
61% ▼13 points below the county
74%
60%
65%
Typical yearly property tax
$1,708 ▲24% above the county
$1,372
$2,027
$3,119
Effective property tax rate
0.55% ▲0.06 points above the county
0.49%
0.47%
0.94%
Renters with high rent for their income
40% ▲3 points above the county
36%
56%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Humboldt 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 Winnemucca
For a typical $309,100 home in Winnemucca, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winnemucca's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,463a month
Least cash to close
Down payment
$10,819
Cash to close
$20,092
Rate
7.18%
Mortgage insurance
FHA MIP · $137
Conventional, 5% down$2,407a month
Down payment
$15,455
Cash to close
$24,728
Rate
7.18%
Mortgage insurance
PMI · $147
Conventional, 20% down, no PMI$1,946a month
Down payment
$61,820
Cash to close
$71,093
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,231a month
Down payment
$46,365
Cash to close
$55,638
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winnemucca
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,463
$10,819
$303,501
7.18%
FHA MIP · $137
$20,092
580
Conventional, 5% down
$2,407
$15,455
$293,645
7.18%
PMI · $147
$24,728
620*
Conventional, 20% down, no PMI
$1,946
$61,820
$247,280
7.18%
None
$71,093
620*
ITIN, 15% down (example)
$2,231
$46,365
$262,735
8.18%
None
$55,638
Set by the lender
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.
Typical rent in Winnemucca is $965 a month: 3% below the county. In Winnemucca, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Humboldt County, by unit size. To pay the 2-bedroom one ($1,247 a month) without spending more than 30% of your income, you would need to earn $23.98 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Humboldt County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$947
$18.21
$37,880
1 bedroom
$953
$18.33
$38,120
2 bedrooms
$1,247
$23.98
$49,880
3 bedrooms
$1,547
$29.75
$61,880
4 bedrooms
$2,084
$40.08
$83,360
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 Winnemucca
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winnemucca is in ZIP code 89445.
For 2 bedrooms it is $1,250: $3 more than the fair market rent for Humboldt County ($1,247).
Fair market rent by ZIP code and size in Winnemucca, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
89445
$950
$960
$1,250
$1,560
$2,090
ZIP code2 bd3 bd
89445 $1,250$1,560
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winnemucca 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 13 buildings with rents for lower incomes in Winnemucca. These are the largest.
Mountain View1200 Hanson St, Winnemucca 8944542 homes, 41 low-income · 2 bd: 12 · 4 bd: 6 · In service since 2000 · For families
Humboldt Village Apartments400 Weso St, Winnemucca 8944538 low-income homes · 2 bd: 36 · In service since 2004 · For families
Humboldt Pines Family1300 Hanson St, Winnemucca 8944536 homes, 35 low-income · 1 bd: 6 · 2 bd: 24 · In service since 2011 · For families
Humboldt Village Family1300 Hanson St, Winnemucca 8944536 homes, 35 low-income · 1 bd: 6 · 2 bd: 23 · 3 bd: 7 · In service since 1992 · For people with disabilities, families
Sonoma Springs1100 Hanson St, Winnemucca 8944532 low-income homes · 2 bd: 6 · 3 bd: 6 · In service since 2016
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 Humboldt County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Winnemucca or Humboldt County. The ones below are statewide in Nevada: they work in Winnemucca the same as in the rest of the state.
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.
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.
$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.
No legal help resource on our list is for Winnemucca or Humboldt County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Winnemucca and all of Humboldt 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 Winnemucca?
The typical home value in Winnemucca is $309,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Humboldt County it is $278,300.
How much does it cost to rent in Winnemucca?
Typical rent in Winnemucca is $965 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Humboldt County is $1,247.
What is the FHA loan limit in Winnemucca?
Winnemucca uses the FHA limit for all of Humboldt County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Winnemucca?
The typical homeowner in Winnemucca pays $1,708 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Humboldt County, the rate is 0.49%.
Where can I find free help to buy or rent in Winnemucca?
We found no HUD-approved counseling agencies with an office in Humboldt County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
