1st Advantage MortgageHumboldt County (17,289 residents) has a $81,073 median household income and $994 median rent, by the latest Census five-year survey. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Nevada license first.
On this page
- Humboldt County by the numbers
- The Humboldt County housing market in figures
- Earnings across Humboldt County households
- How Humboldt County residents earn a living
- What stands out in Humboldt County
- Humboldt County next to its neighbors
- Cities, towns and CDPs in Humboldt County
- Reading the Humboldt County data as a borrower
- Humboldt County households compared
- $6,756 a month: the Humboldt County median budget
- Four steps for Humboldt County borrowers
- Licensing and complaints for Humboldt County
- Related local guides
- Frequently asked questions
Humboldt County by the numbers
Roughly 17,289 residents live in Humboldt County, Nevada, 9th by population among the state's 17 counties and county equivalents. It covers 9,641 square miles of land, or about 2 people per square mile. No metropolitan area includes Humboldt County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Winnemucca is the biggest of its 8 Census places, at roughly 8,361 people (48% of the county total).
The Humboldt County housing market in figures
Renters in Humboldt County pay a median of $994 a month, 38% below the Nevada figure of $1,597. Rent takes 30% or more of income for 36% of renter households here. Home values center on $278,300, or 3.4 years of median income. Owners occupy 74% of homes. Nationally, Humboldt County's $994 rent is 13% above the middle county.
| Home costs | Humboldt County | Nevada | Compared with Nevada |
|---|---|---|---|
| Rent-burdened renters | 36% | 56% | -19.4 pts |
| Owners | 74% | 60% | +14.0 pts |
| Burdened owners | 24% | 31% | -7.1 pts |
| Median gross rent | $994/mo | $1,597/mo | 38% lower |
| Median home value | $278,300 | $435,400 | 36% lower |
| Vacant units | 11% | 9% | +1.7 pts |
In an owner-heavy county like Humboldt County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Earnings across Humboldt County households
Humboldt County households have a median income of $81,073 (ACS 2020 to 2024), which ranks 6th of 17 in Nevada.
| Income band | Share in Humboldt County | Difference from Nevada |
|---|---|---|
| Under $35,000 | 21.3% | +0.6 pts |
| $35,000 to $99,999 | 41.9% | +1.1 pts |
| $100,000 to $199,999 | 31.0% | +3.5 pts |
| $200,000 or more | 5.8% | -5.1 pts |
On the low end, 21% of Humboldt County households report under $35,000; at the top, 37% report $100,000-plus. The poverty rate is 10.6%, 2 points lower than the state's 12.4%. A household earning below the $81,073 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Humboldt County residents earn a living
The biggest employer of Humboldt County residents, by industry, is agriculture, forestry and mining at 25% of workers, followed by education and health care (19%). Relative to Nevada (1%), agriculture, forestry and mining is 23 points bigger in Humboldt County (25%). Unemployment in Humboldt County, ACS five-year: 5.8%; Nevada: 7.0%. 43% of Humboldt County workers get to work in under 15 minutes, while 25% need 45 or more.
| Where residents work | Humboldt County | Difference from Nevada |
|---|---|---|
| Agriculture, forestry and mining | 24.7% | +23.3 pts |
| Education and health care | 19.0% | +2.0 pts |
| Arts, lodging and food service | 10.5% | -9.2 pts |
| Retail trade | 8.6% | -2.5 pts |
| Construction | 7.2% | -0.5 pts |
| Public administration | 6.5% | +2.3 pts |
Self-employed in Humboldt County? Two years of tax returns usually stand in for pay stubs.
What stands out in Humboldt County
- On the share of commutes over 45 minutes, Humboldt County sits near the top of Nevada at 25%, 3rd highest of 17. With long commutes, a reliable car is part of keeping the job.
- Humboldt County ranks 3rd lowest of 17 Nevada counties for median age: 37.7, against 39.1 statewide. A young county means many first-time borrowers; read every fee line.
- The share of renters paying 30% or more of income for rent: 36% in Humboldt County. Only 3 of 17 Nevada counties are lower. Rents are manageable for most, which can leave space for savings.
Humboldt County next to its neighbors
Distances run center to center, from Pershing County at 69 miles out to Owyhee County at 128. Humboldt County's $81,073 median trails 2 of the six and beats 4; the range runs $54,519 (Malheur County) to $89,014 (Lander County). Some neighbors are in Idaho and Oregon. Lender licensing is state by state, so a loan for a Humboldt County resident follows Nevada rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Humboldt County | - | $81,073 | $994/mo | 74% |
| Pershing County, NV | 69 mi | $66,902 | $715/mo | 73% |
| Washoe County, NV | 93 mi | $88,096 | $1,608/mo | 60% |
| Lander County, NV | 119 mi | $89,014 | $902/mo | 77% |
| Harney County, OR | 123 mi | $55,208 | $684/mo | 67% |
| Malheur County, OR | 126 mi | $54,519 | $821/mo | 63% |
| Owyhee County, ID | 128 mi | $64,406 | $821/mo | 73% |
Cities, towns and CDPs in Humboldt County
The table lists the 8 largest of 8 Census places in Humboldt County, by population. Together all 8 hold about 9,296 people, so roughly 46% of residents live outside any named place. Live in one of these Humboldt County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Winnemucca | city | 8,361 | $81,824 | $965 | 37 mi |
| Fort McDermitt | CDP | 286 | $25,000 | n/a | 46 mi |
| Paradise Valley | CDP | 247 | $142,946 | n/a | 31 mi |
| Golconda | CDP | 203 | n/a | n/a | 45 mi |
| Orovada | CDP | 141 | $54,643 | n/a | 19 mi |
| Denio | CDP | 36 | n/a | n/a | 48 mi |
| McDermitt | CDP | 22 | n/a | n/a | 45 mi |
| Valmy | CDP | 0 | n/a | n/a | 67 mi |
Reading the Humboldt County data as a borrower
Where the Humboldt County numbers stand out, and why it matters for a loan:
- Car trouble. For Humboldt County drivers (25% with 45-minute-plus trips), price the repair against the car's value first.
- Mobile home upkeep. 34% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Humboldt County households compared
In Humboldt County, 19% of adults have at least a four-year degree (28% in Nevada). Health coverage gaps: 8.7% of Humboldt County residents are uninsured.
| Humboldt County | vs Nevada | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 19.3% | -8.6 pts | -2.9 pts |
| Work from home | 6.3% | -5.6 pts | -2.4 pts |
| No vehicle | 3.2% | -3.8 pts | -2.2 pts |
| No health insurance | 8.7% | -2.7 pts | +0.9 pts |
| Poverty rate | 10.6% | -1.8 pts | -2.5 pts |
| Median age | 37.7 | -1.4 yrs | -3.8 yrs |
| No high school diploma | 11.3% | -1.3 pts | n/a |
| Unemployment (ACS) | 5.8% | -1.2 pts | +1.4 pts |
| Minutes to work | Humboldt County workers |
|---|---|
| Under 15 min | 42.8% |
| 15 to 29 min | 25.3% |
| 30 to 44 min | 7.2% |
| 45 to 59 min | 5.0% |
| 60+ min | 19.7% |
$6,756 a month: the Humboldt County median budget
The debt-to-income ratio is the main affordability test lenders use. Applied to Humboldt County's medians:
- Median income divided by twelve: $6,756 before taxes
- Median rent: $994, or 15 cents of every gross dollar
- $1,438: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Humboldt County land in very different places on this math, so run it for your own budget.
Four steps for Humboldt County borrowers
A short checklist for Humboldt County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in Nevada.
- Read the final agreement; it must match the offer.
Licensing and complaints for Humboldt County
Consumer lenders serving Humboldt County are licensed by the state, not the county; in Nevada that is the Nevada Financial Institutions Division. Federal complaints: consumerfinance.gov. Statewide data and rules: Nevada guide.
Related local guides
For statewide rules and data, see the Nevada guide.
Frequently asked questions
How much do households in Humboldt County earn?
The median is $81,073; 37% earn $100,000 or more and 21% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Humboldt County?
$994 a month at the median, about 15% of median household income.
What are the biggest places in Humboldt County?
By population: Winnemucca, Fort McDermitt, Paradise Valley, Golconda, Orovada. The county has 8 Census places in all.
Will a Humboldt County address affect my match?
Beyond confirming Nevada as your state, no. Your answers about amount, credit, income and payments are all that count.
How do I know a lender is legitimate in Humboldt County?
Look it up with the Nevada Financial Institutions Division, read the written offer, and refuse any fee before funding.