The typical owner-occupied home in Lincoln County is worth about $219,500, 50% below the Nevada median of $435,400 and 34% below the national median of $332,700. Owners pay a median $1,126 a year in property taxes, about 0.51% of their home's value, higher than the Nevada rate of 0.47%. The median household earns $72,307 a year, so the median home costs 3.0 times the median income (5.6 times for Nevada). 75% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Lincoln County at a glance
| Lincoln County | Nevada | U.S. | |
|---|---|---|---|
| Median home value | $219,500 | $435,400 | $332,700 |
| Median property tax paid per year | $1,126 | $2,027 | $3,119 |
| Property tax as a share of value | 0.51% | 0.47% | 0.94% |
| Median household income | $72,307 | $78,260 | $80,734 |
| Homes lived in by their owners | 75% | 60% | 65% |
| Owner homes with a mortgage | 56% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,240 | $1,932 | $1,963 |
| Those costs as a share of the owners' income | 20.2% | 22.3% | 21.0% |
| Median rent | $919 | $1,597 | $1,413 |
| Rent as a share of renters' income | 31.8% | 33.1% | 30.6% |
| Median year homes were built | 1982 | 1996 | 1980 |
| Vacant homes | 30.5% | 9.3% | 10.1% |
| Population | 4,405 | 3,184,612 | 334,922,499 |
What a typical home costs per month in Lincoln County
At this week's average 30-year rate of 7.11%, buying the median Lincoln County home of $219,500 with 20% down costs about $1,366 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,732, 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 $58,544 for the 20%-down payment. That payment is 23% of the median Lincoln County household income of $72,307; at that income and 20% down, the 28% guideline points to a home of about $271,000.
The median rent here is $919 a month, so owning the median home costs about $447 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,900 |
|---|---|
| Loan amount | $175,600 |
| Principal and interest | $1,181 |
| Property taxes (0.51% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| PMI | $0 |
| Total per month | $1,366 |
Change the numbers in the calculator
| Down payment | $7,682 |
|---|---|
| Loan amount | $215,524 |
| Principal and interest | $1,450 |
| Property taxes (0.51% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| FHA mortgage insurance | $97 |
| Total per month | $1,732 |
Change the numbers in the calculator
Questions about home buying in Lincoln County
What is the median home value in Lincoln County?
About $219,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Lincoln County?
Homeowners pay a median $1,126 a year, which is about 0.51% 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 Lincoln County?
For the median home with 20% down at 7.11%, the payment is about $1,366 a month. Keeping that under 28% of gross income takes about $58,544 a year.
More about Lincoln County
- Mortgage Refinance in Lincoln County
- Debt Relief in Lincoln County
- Home Equity Loans in Lincoln 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