1st Advantage MortgageThe median Eureka County household earns $70,473, and 25% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Nevada before sharing details.
On this page
- Eureka County, NV: the basics
- Employment and commuting in Eureka County
- Income in Eureka County compared with Nevada
- Housing costs in Eureka County
- The communities that make up Eureka County
- How Eureka County compares with nearby counties
- A Eureka County household budget, worked through
- Eureka County residents: age, schooling, coverage
- Before borrowing in Eureka County
- Licensing and complaints for Eureka County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Eureka County, NV: the basics
Eureka County is home to about 1,585 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 16th most populous of 17 county-level areas in Nevada. It covers 4,176 square miles of land, with fewer than one resident per square mile. No metropolitan area includes Eureka County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Crescent Valley is the biggest of its 2 Census places, at roughly 690 people (44% of the county total). Because Eureka County is small, the survey's margins of error are wide; treat the numbers as approximate.
Employment and commuting in Eureka County
The biggest employer of Eureka County residents, by industry, is agriculture, forestry and mining at 42% of workers, followed by education and health care (19%). Agriculture, forestry and mining stands out: 42% of workers here, versus 1% statewide. Long commutes are the exception here: 7% of workers spend 45 minutes or longer getting to work. 10.6% of households have no vehicle.
| Industry | Share of Eureka County workers | vs Nevada |
|---|---|---|
| Agriculture, forestry and mining | 42.4% | +41.1 pts |
| Education and health care | 19.0% | +1.9 pts |
| Transportation, warehousing and utilities | 10.8% | +3.5 pts |
| Construction | 9.0% | +1.3 pts |
| Wholesale trade | 7.6% | +5.7 pts |
| Professional and administrative services | 4.5% | -8.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Income in Eureka County compared with Nevada
The median household income in Eureka County is $70,473; statewide it is $78,260, so Eureka County runs 10% below Nevada as a whole. In the state ranking that is 13th of 17.
| Band | Eureka County | Compared with Nevada |
|---|---|---|
| Under $35,000 | 27.3% | +6.6 pts |
| $35,000 to $99,999 | 48.4% | +7.6 pts |
| $100,000 to $199,999 | 20.4% | -7.1 pts |
| $200,000 or more | 3.9% | -7.0 pts |
About 27% of households earn under $35,000, while 24% clear $100,000. The poverty rate is 24.9%, 12 points higher than the state's 12.4%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Housing costs in Eureka County
Median gross rent, utilities included, comes to $969 in Eureka County versus $1,597 statewide. By the Census definition, 53% of Eureka County renters are cost-burdened. With a median value of $82,600, a typical Eureka County house costs 1.2 times what the median household earns in a year. 83% of Eureka County households own their home and 17% rent. Half the housing stock was built before 1988.
| Measure | Eureka County | Nevada | Median U.S. county |
|---|---|---|---|
| Median gross rent | $969/mo | $1,597/mo | $877/mo |
| Median home value | $82,600 | $435,400 | $185,300 |
| Owners | 83% | 60% | 75% |
| Rent-burdened renters | 53% | 56% | 45% |
| Burdened owners | 67% | 31% | n/a |
| Vacant units | 36% | 9% | n/a |
Because most Eureka County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
The communities that make up Eureka County
2 Census places fall mainly inside Eureka County; the 2 biggest are below. They account for 969 residents, leaving about 39% of the county in unincorporated, unnamed areas. This guide covers each of the 2 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Crescent Valley | CDP | 690 | $75,500 | n/a | 34 mi |
| Eureka | CDP | 279 | $62,000 | n/a | 36 mi |
How Eureka County compares with nearby counties
The six counties whose centers lie closest to Eureka County's, from 41 to 139 miles away. 5 of the six report a higher median household income than Eureka County; Lander County is highest at $89,014 and Pershing County lowest at $66,902.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Eureka County | - | $70,473 | $969/mo | 83% |
| Lander County, NV | 41 mi | $89,014 | $902/mo | 77% |
| White Pine County, NV | 83 mi | $72,865 | $937/mo | 75% |
| Elko County, NV | 94 mi | $86,487 | $1,164/mo | 71% |
| Churchill County, NV | 110 mi | $79,163 | $1,319/mo | 70% |
| Pershing County, NV | 117 mi | $66,902 | $715/mo | 73% |
| Humboldt County, NV | 139 mi | $81,073 | $994/mo | 74% |
A Eureka County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Eureka County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $5,873 before taxes
- Median rent: $969, or 16 cents of every gross dollar
- $1,380: what a 40% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Eureka County residents: age, schooling, coverage
College graduates make up 17% of the adult population. The uninsured rate is 12.0%, against 11.4% for Nevada.
| Measure | Eureka County | Nevada statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 50.7 | 39.1 | 41.5 |
| Bachelor's or higher | 17.1% | 27.9% | 22.2% |
| No high school diploma | 5.9% | 12.5% | n/a |
| No health insurance | 12.0% | 11.4% | 7.8% |
| No vehicle | 10.6% | 7.0% | 5.4% |
| Work from home | 7.6% | 11.9% | 8.7% |
| Poverty rate | 24.9% | 12.4% | 13.2% |
Before borrowing in Eureka County
Based on the Eureka County data above, these borrowing questions are most likely to matter locally.
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Manufactured homes. 51% of Eureka County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Older households. A 50.7 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Free help first. 25% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
Licensing and complaints for Eureka County
Licensing happens at the state level, so a lender working with Eureka County borrowers answers to the Nevada Financial Institutions Division. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Nevada state guide for the statewide picture.
Before you sign
Steps that save money for Eureka County residents:
- Get a written quote for whatever you are paying for in Eureka County.
- Shop at least three lenders, including one Eureka County-area credit union.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
The Nevada guide covers the whole state.
Frequently asked questions
Is Eureka County a high-income county?
Its $70,473 median ranks 13th of 17 Nevada counties and compares with $65,681 for the median U.S. county.
What do renters pay in Eureka County?
$969 a month at the median, about 16% of median household income.
What are the biggest places in Eureka County?
By population: Crescent Valley, Eureka. The county has 2 Census places in all.
Will a Eureka County address affect my match?
Beyond confirming Nevada as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Eureka 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.