Income needed to buy a home
Lincoln County, NV
$75,544
a year in household income to buy the typical Lincoln County home with 10% down.
The monthly math
Typical home value$233,296
Down payment (10%)$23,330
Loan$209,966
Principal and interest (7.40%)$1,454/mo
Property tax (0.54% a year)$105/mo
Homeowners insurance (estimate)$117/mo
Mortgage insurance$87/mo
Total monthly cost$1,763/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Right at the edge
The typical household here earns $72,307 a year, 96% of what it takes.
In Nevada
Lincoln County ranks #4 of 16 for the income a home takes, from least to most.
Easiest to afford in Nevada
| County | Typical home | Income needed |
|---|---|---|
| Mineral County | $126,621 | $41,851 |
| Eureka County | $157,626 | $49,938 |
| White Pine County | $188,735 | $61,168 |
| Pershing County | $232,595 | $76,513 |
| Lander County | $261,440 | $86,459 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.