1st Advantage MortgageChurchill County households have a median income of $79,163 and median rent of $1,319 a month (ACS 2020 to 2024). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Churchill County by the numbers
- Household income in Churchill County
- Work, industries and travel time in Churchill County
- What it costs to live in Churchill County
- Counties near Churchill County
- The communities that make up Churchill County
- Room for a loan payment in Churchill County
- Churchill County households compared
- What the numbers mean for Churchill County borrowers
- A Churchill County borrower's checklist
- Licensing and complaints for Churchill County
- Nearby and statewide guides
- Frequently asked questions
Churchill County by the numbers
Roughly 25,805 residents live in Churchill County, Nevada, 8th by population among the state's 17 counties and county equivalents. Land area is 4,950 square miles (2024 Gazetteer), so density runs near 5 per square mile. No metropolitan area includes Churchill County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 2 places in the county (1 incorporated, 1 census-designated); the largest is Fallon, with about 9,463 residents, or 37% of the county.
Household income in Churchill County
At $79,163, the typical Churchill County household income is 21% above the median U.S. county ($65,681).
| Band | Churchill County | Compared with Nevada |
|---|---|---|
| Under $35,000 | 22.5% | +1.8 pts |
| $35,000 to $99,999 | 42.3% | +1.4 pts |
| $100,000 to $199,999 | 26.6% | -1.0 pts |
| $200,000 or more | 8.6% | -2.3 pts |
About 23% of households earn under $35,000, while 35% clear $100,000. 8.1% of residents fall below the federal poverty line (statewide: 12.4%). The Gini index of income inequality is 0.417 (0 is perfect equality). A household earning below the $79,163 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Churchill County
The biggest employer of Churchill County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (12%). Manufacturing stands out: 12% of workers here, versus 5% statewide. The survey's unemployment rate for Churchill County averages 5.3% over 2020 to 2024 (state: 7.0%). About 76% drive to work alone and 19% have trips of 45 minutes or more. Households without a car make up 3.9% of the total (7.0% statewide).
| Industry | Share of Churchill County workers | vs Nevada |
|---|---|---|
| Education and health care | 19.9% | +2.8 pts |
| Manufacturing | 12.3% | +7.1 pts |
| Arts, lodging and food service | 10.8% | -8.9 pts |
| Retail trade | 10.1% | -1.0 pts |
| Construction | 9.9% | +2.2 pts |
| Transportation, warehousing and utilities | 8.1% | +0.7 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
What it costs to live in Churchill County
A typical Churchill County rental runs $1,319 a month including utilities, which is 17% below Nevada. By the Census definition, 43% of Churchill County renters are cost-burdened. Home values center on $329,900, or 4.2 years of median income. 70% of Churchill County households own their home and 30% rent. Half the housing stock was built before 1990.
| Cost | Churchill County | Nevada figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,319/mo | $1,597/mo | $877/mo |
| Median home value | $329,900 | $435,400 | $185,300 |
| Owners | 70% | 60% | 75% |
| Rent-burdened renters | 43% | 56% | 45% |
| Burdened owners | 28% | 31% | n/a |
| Vacant units | 14% | 9% | n/a |
Counties near Churchill County
Distances run center to center, from Lyon County at 61 miles out to Carson City at 84. 3 of the six report a higher median household income than Churchill County; Storey County is highest at $93,409 and Mineral County lowest at $54,855.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Churchill County | - | $79,163 | $1,319/mo | 70% |
| Lyon County, NV | 61 mi | $80,812 | $1,326/mo | 77% |
| Pershing County, NV | 63 mi | $66,902 | $715/mo | 73% |
| Storey County, NV | 68 mi | $93,409 | $1,153/mo | 96% |
| Lander County, NV | 69 mi | $89,014 | $902/mo | 77% |
| Mineral County, NV | 71 mi | $54,855 | $905/mo | 73% |
| Carson City, NV | 84 mi | $72,355 | $1,248/mo | 62% |
The communities that make up Churchill County
2 Census places fall mainly inside Churchill County; the 2 biggest are below. They account for 10,862 residents, leaving about 58% of the county in unincorporated, unnamed areas. None of the 2 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Fallon | city | 9,463 | $73,389 | $1,230 | 28 mi |
| Fallon Station | CDP | 1,399 | $67,301 | $1,635 | 26 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Room for a loan payment in Churchill County
How much room does a median Churchill County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $79,163 a year is $6,597 of gross monthly income
- Rent at the median, $1,319, takes 20% of that
- At 36%, room after rent is $1,056 a month
- Under a 43% cap, $2,837 total minus rent leaves $1,518
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Churchill County households compared
18% of Churchill County adults 25 and older hold a bachelor's degree or more. 8.0% of residents have no health coverage.
| Residents | Churchill County | Nevada | Middle U.S. county |
|---|---|---|---|
| Median age | 40.4 | 39.1 | 41.5 |
| Bachelor's or higher | 17.7% | 27.9% | 22.2% |
| No high school diploma | 8.1% | 12.5% | n/a |
| No health insurance | 8.0% | 11.4% | 7.8% |
| No vehicle | 3.9% | 7.0% | 5.4% |
| Work from home | 6.1% | 11.9% | 8.7% |
| Poverty rate | 8.1% | 12.4% | 13.2% |
| Unemployment (ACS) | 5.3% | 7.0% | 4.4% |
| Minutes to work | Churchill County workers |
|---|---|
| Under 15 min | 43.7% |
| 15 to 29 min | 31.2% |
| 30 to 44 min | 5.9% |
| 45 to 59 min | 7.4% |
| 60+ min | 11.8% |
What the numbers mean for Churchill County borrowers
Based on the Churchill County data above, these borrowing questions are most likely to matter locally.
- Vehicle repairs. 19% of Churchill County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Repairs on manufactured housing. With 17% of homes here, compare a personal loan with any dealer or park repair program.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
A Churchill County borrower's checklist
Quick steps for Churchill County:
- Price the Churchill County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Nevada.
- Lock paid-off cards after consolidating so balances stay at zero.
Licensing and complaints for Churchill County
Churchill County borrowers fall under statewide rules, enforced by the Nevada Financial Institutions Division. A CFPB complaint gets forwarded to the company for a response. See the Nevada state guide for the statewide picture.
Nearby and statewide guides
The Nevada guide covers the whole state.
Frequently asked questions
Is Churchill County a high-income county?
Its $79,163 median ranks 8th of 17 Nevada counties and compares with $65,681 for the median U.S. county.
What do renters pay in Churchill County?
$1,319 a month at the median, about 20% of median household income.
Does this page cover Fallon?
Yes, along with the other 1 Census place in Churchill County, such as Fallon Station.
Can Churchill County residents use the questionnaire?
Yes. It asks the same questions in every Nevada county, lists every requirement up front and does not affect your credit score.
Who regulates personal lenders for Churchill County residents?
The Nevada Financial Institutions Division licenses consumer lenders in Nevada; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.