The typical owner-occupied home in Esmeralda County is worth about $108,900, 75% below the Nevada median of $435,400 and 67% below the national median of $332,700. Owners pay a median $669 a year in property taxes, about 0.61% of their home's value, higher than the Nevada rate of 0.47%. The median household earns $41,715 a year, so the median home costs 2.6 times the median income (5.6 times for Nevada). 61% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Esmeralda County at a glance
| Esmeralda County | Nevada | U.S. | |
|---|---|---|---|
| Median home value | $108,900 | $435,400 | $332,700 |
| Median property tax paid per year | $669 | $2,027 | $3,119 |
| Property tax as a share of value | 0.61% | 0.47% | 0.94% |
| Median household income | $41,715 | $78,260 | $80,734 |
| Homes lived in by their owners | 61% | 60% | 65% |
| Owner homes with a mortgage | 17% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,354 | $1,932 | $1,963 |
| Those costs as a share of the owners' income | 43.8% | 22.3% | 21.0% |
| Median rent | $1,320 | $1,597 | $1,413 |
| Rent as a share of renters' income | 51.0% | 33.1% | 30.6% |
| Median year homes were built | 1986 | 1996 | 1980 |
| Vacant homes | 27.1% | 9.3% | 10.1% |
| Population | 1,028 | 3,184,612 | 334,922,499 |
What a typical home costs per month in Esmeralda County
At this week's average 30-year rate of 7.11%, buying the median Esmeralda County home of $108,900 with 20% down costs about $687 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $868, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $29,434 for the 20%-down payment. That payment is 20% of the median Esmeralda County household income of $41,715; at that income and 20% down, the 28% guideline points to a home of about $154,000.
The median rent here is $1,320 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,780 |
|---|---|
| Loan amount | $87,120 |
| Principal and interest | $586 |
| Property taxes (0.61% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $687 |
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| Down payment | $3,812 |
|---|---|
| Loan amount | $106,928 |
| Principal and interest | $719 |
| Property taxes (0.61% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $48 |
| Total per month | $868 |
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Questions about home buying in Esmeralda County
What is the median home value in Esmeralda County?
About $108,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Esmeralda County?
Homeowners pay a median $669 a year, which is about 0.61% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Esmeralda County?
For the median home with 20% down at 7.11%, the payment is about $687 a month. Keeping that under 28% of gross income takes about $29,434 a year.
More about Esmeralda County
- Mortgage Refinance in Esmeralda County
- Debt Relief in Esmeralda County
- Home Equity Loans in Esmeralda County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data