The typical owner-occupied home in Humboldt County is worth about $278,300, 36% below the Nevada median of $435,400 and 16% below the national median of $332,700. Owners pay a median $1,372 a year in property taxes, about 0.49% of their home's value, higher than the Nevada rate of 0.47%. The median household earns $81,073 a year, so the median home costs 3.4 times the median income (5.6 times for Nevada). 74% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Humboldt County at a glance
| Humboldt County | Nevada | U.S. | |
|---|---|---|---|
| Median home value | $278,300 | $435,400 | $332,700 |
| Median property tax paid per year | $1,372 | $2,027 | $3,119 |
| Property tax as a share of value | 0.49% | 0.47% | 0.94% |
| Median household income | $81,073 | $78,260 | $80,734 |
| Homes lived in by their owners | 74% | 60% | 65% |
| Owner homes with a mortgage | 60% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,665 | $1,932 | $1,963 |
| Those costs as a share of the owners' income | 20.9% | 22.3% | 21.0% |
| Median rent | $994 | $1,597 | $1,413 |
| Rent as a share of renters' income | 23.6% | 33.1% | 30.6% |
| Median year homes were built | 1991 | 1996 | 1980 |
| Vacant homes | 11.0% | 9.3% | 10.1% |
| Population | 17,289 | 3,184,612 | 334,922,499 |
What a typical home costs per month in Humboldt County
At this week's average 30-year rate of 7.11%, buying the median Humboldt County home of $278,300 with 20% down costs about $1,727 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,191, 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 $74,028 for the 20%-down payment. That payment is 26% of the median Humboldt County household income of $81,073; at that income and 20% down, the 28% guideline points to a home of about $305,000.
The median rent here is $994 a month, so owning the median home costs about $733 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $55,660 |
|---|---|
| Loan amount | $222,640 |
| Principal and interest | $1,498 |
| Property taxes (0.49% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| PMI | $0 |
| Total per month | $1,727 |
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| Down payment | $9,740 |
|---|---|
| Loan amount | $273,259 |
| Principal and interest | $1,838 |
| Property taxes (0.49% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| FHA mortgage insurance | $123 |
| Total per month | $2,191 |
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Questions about home buying in Humboldt County
What is the median home value in Humboldt County?
About $278,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Humboldt County?
Homeowners pay a median $1,372 a year, which is about 0.49% 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 Humboldt County?
For the median home with 20% down at 7.11%, the payment is about $1,727 a month. Keeping that under 28% of gross income takes about $74,028 a year.
More about Humboldt County
- Mortgage Refinance in Humboldt County
- Debt Relief in Humboldt County
- Home Equity Loans in Humboldt 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