ZIP Code 89521 — Reno, NV Home Prices (2026)
The typical home in ZIP 89521 (Reno, Nevada) is worth about $713,000 at roughly $355 per square foot — 46% more expensive than the Reno median and 143% more expensive than the typical U.S. home.
How 89521 compares
ZIP 89521 is one of the pricier ZIP codes in Reno: its typical home value of $713,000 ranks #3 of the 11 Reno ZIP codes we track (the citywide range runs from $361,000 in 89512 to $1,135,000 in 89511). Per square foot it costs about $355, against $355 for Reno as a whole, $259 for Nevada, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 89521 | $713,000 | $355 |
| Reno, NV | $489,000 | $355 |
| Nevada | $423,500 | $259 |
| United States | $294,000 | $195 |
Home value by size in 89521
Using this ZIP’s rate of about $355 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 | $355,000 |
| 1,500 sq ft | $532,500 |
| 2,000 sq ft | $710,000 |
| 2,500 sq ft | $887,500 |
| 3,000 sq ft | $1,065,000 |
Salary needed to buy a home in ZIP 89521
To buy the typical $713,000 home in ZIP 89521 with 20% down, you need a household income of roughly $194,000 a year (about $4,530 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $230,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $35,700 | $5,630/mo | $241,000/yr |
| 10% (+PMI) | $71,300 | $5,380/mo | $230,000/yr |
| 20% | $142,600 | $4,530/mo | $194,000/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 89521
At about $355 per square foot, here is roughly how much home different budgets get you in ZIP 89521:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1410 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1690 sq ft | around the typical home here |
| $750k | 2110 sq ft | around the typical home here |
| $1.00M | 2820 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 89521 home.
Estimate a specific home in 89521
The estimator below is pre-set to ZIP 89521 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Reno ZIP codes by home value
Where 89521 sits among Reno’s 11 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 89511 | $1,135,000 | $519 |
| 2 | 89519 | $902,000 | $389 |
| 3 | 89521 (this page) | $713,000 | $355 |
| 4 | 89509 | $691,000 | $360 |
| 5 | 89523 | $645,000 | $363 |
| 6 | 89508 | $489,000 | $312 |
| 7 | 89503 | $481,000 | $310 |
| 8 | 89506 | $461,000 | $292 |
| 9 | 89502 | $443,000 | $335 |
| 10 | 89501 | $421,000 | $388 |
| 11 | 89512 | $361,000 | $236 |
ZIP 89521 home prices: frequently asked
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See the full Reno 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.