ZIP Code 89704 — Carson City, NV Home Prices (2026)
The typical home in ZIP 89704 (Carson City, Nevada) is worth about $723,000 at roughly $513 per square foot — 33% more expensive than the Carson City median and 146% more expensive than the typical U.S. home.
How 89704 compares
ZIP 89704 is one of the pricier ZIP codes in Carson City: its typical home value of $723,000 ranks #1 of the 5 Carson City ZIP codes we track (the citywide range runs from $456,000 in 89706 to $723,000 in 89704). Per square foot it costs about $513, against $338 for Carson City as a whole, $259 for Nevada, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 89704 | $723,000 | $513 |
| Carson City, NV | $542,000 | $338 |
| Nevada | $423,500 | $259 |
| United States | $294,000 | $195 |
Home value by size in 89704
Using this ZIP’s rate of about $513 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $513,000 |
| 1,500 sq ft | $769,500 |
| 2,000 sq ft | $1,026,000 |
| 2,500 sq ft | $1,282,500 |
| 3,000 sq ft | $1,539,000 |
Salary needed to buy a home in ZIP 89704
To buy the typical $723,000 home in ZIP 89704 with 20% down, you need a household income of roughly $197,000 a year (about $4,590 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $234,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $36,200 | $5,700/mo | $244,000/yr |
| 10% (+PMI) | $72,300 | $5,450/mo | $234,000/yr |
| 20% | $144,600 | $4,590/mo | $197,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 89704
At about $513 per square foot, here is roughly how much home different budgets get you in ZIP 89704:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 780 sq ft | below the local median — condos, smaller or older homes |
| $500k | 970 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1170 sq ft | around the typical home here |
| $750k | 1460 sq ft | around the typical home here |
| $1.00M | 1950 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 89704 home.
Estimate a specific home in 89704
The estimator below is pre-set to ZIP 89704 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Carson City ZIP codes by home value
Where 89704 sits among Carson City’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 89704 (this page) | $723,000 | $513 |
| 2 | 89703 | $632,000 | $338 |
| 3 | 89705 | $542,000 | $408 |
| 4 | 89701 | $481,000 | $289 |
| 5 | 89706 | $456,000 | $308 |
ZIP 89704 home prices: frequently asked
What is the average home price in ZIP code 89704? +
What is the price per square foot in 89704? +
What salary do you need to buy a house in ZIP 89704? +
Is 89704 an expensive ZIP code? +
See the full Carson City home values page, all Nevada cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.