1st Advantage MortgageIn Pershing County, Nevada, the typical household earns $66,902 a year and the typical rent is $715. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Pershing County at a glance
- How much Pershing County households make
- What it costs to live in Pershing County
- Work, industries and travel time in Pershing County
- Pershing County and the counties next door
- Cities, towns and CDPs in Pershing County
- People and households in Pershing County
- Borrowing situations common in Pershing County
- Room for a loan payment in Pershing County
- Licensing and complaints for Pershing County
- Steps before you apply in Pershing County
- More guides for Pershing County
- Frequently asked questions
Pershing County at a glance
The latest five-year Census estimate puts Pershing County's population at 6,487; only 10 of Nevada's 17 county-level areas are larger. Spread over 6,037 square miles, that works out to roughly 1.1 residents per square mile. No metropolitan area includes Pershing County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 5 Census places inside Pershing County, Lovelock leads by population with about 1,481; 1 of the 5 are incorporated. Small populations mean wide margins of error, so read every Pershing County figure on this page as a rough guide.
How much Pershing County households make
Half of Pershing County households take in less than $66,902 a year and half take in more, 15% below the Nevada median of $78,260. In the state ranking that is 14th of 17.
| Yearly household income | Pershing County | Gap to Nevada |
|---|---|---|
| Under $35,000 | 28.1% | +7.4 pts |
| $35,000 to $99,999 | 42.6% | +1.7 pts |
| $100,000 to $199,999 | 24.0% | -3.6 pts |
| $200,000 or more | 5.4% | -5.5 pts |
Some 28% of households here live on less than $35,000 a year; 29% have six-figure incomes. 11.8% of residents fall below the federal poverty line (statewide: 12.4%). None of these numbers decides a Pershing County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Pershing County
A typical Pershing County rental runs $715 a month including utilities, which is 55% below Nevada. Rent takes 30% or more of income for 18% of renter households here. Home values center on $179,500, or 2.7 years of median income. The ownership rate is 73%.
| Cost | Pershing County | Nevada figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $715/mo | $1,597/mo | $877/mo |
| Median home value | $179,500 | $435,400 | $185,300 |
| Owners | 73% | 60% | 75% |
| Rent-burdened renters | 18% | 56% | 45% |
| Burdened owners | 24% | 31% | n/a |
Because most Pershing 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.
Work, industries and travel time in Pershing County
Agriculture, forestry and mining employs 24% of working residents, the largest share; education and health care is next with 20%. The sharpest difference from the state is in agriculture, forestry and mining, at 24% locally and 1% for Nevada. The survey's unemployment rate for Pershing County averages 3.9% over 2020 to 2024 (state: 7.0%). Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work.
| Where residents work | Pershing County | Difference from Nevada |
|---|---|---|
| Agriculture, forestry and mining | 23.5% | +22.2 pts |
| Education and health care | 19.5% | +2.4 pts |
| Arts, lodging and food service | 12.3% | -7.4 pts |
| Construction | 10.4% | +2.8 pts |
| Retail trade | 9.8% | -1.3 pts |
| Public administration | 6.6% | +2.4 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Pershing County and the counties next door
Nearest neighbors first, measured between county centers (63 to 107 miles). Storey County leads the group on income ($93,409), Churchill County trails ($79,163), and Pershing County out-earns 0 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Pershing County | - | $66,902 | $715/mo | 73% |
| Churchill County, NV | 63 mi | $79,163 | $1,319/mo | 70% |
| Humboldt County, NV | 69 mi | $81,073 | $994/mo | 74% |
| Washoe County, NV | 69 mi | $88,096 | $1,608/mo | 60% |
| Lander County, NV | 81 mi | $89,014 | $902/mo | 77% |
| Storey County, NV | 91 mi | $93,409 | $1,153/mo | 96% |
| Lyon County, NV | 107 mi | $80,812 | $1,326/mo | 77% |
Cities, towns and CDPs in Pershing County
The table lists the 5 largest of 5 Census places in Pershing County, by population. Together all 5 hold about 3,118 people, so roughly 52% of residents live outside any named place. No Pershing County place has a separate guide yet; this county page serves all 5.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Lovelock | city | 1,481 | $42,074 | $745 | 18 mi |
| Grass Valley | CDP | 1,134 | $80,368 | n/a | 42 mi |
| Imlay | CDP | 385 | $39,551 | n/a | 21 mi |
| Humboldt River Ranch | CDP | 118 | $34,063 | n/a | 7 mi |
| Unionville | CDP | 0 | n/a | n/a | 15 mi |
A CDP is a named community without its own municipal government.
People and households in Pershing County
Degree holders: 6% of adults over 25. 10.4% of residents have no health coverage.
| People and households | Pershing County | Nevada | Median county |
|---|---|---|---|
| Median age | 42.4 | 39.1 | 41.5 |
| Bachelor's or higher | 6.1% | 27.9% | 22.2% |
| No high school diploma | 12.9% | 12.5% | n/a |
| No health insurance | 10.4% | 11.4% | 7.8% |
| No vehicle | 3.4% | 7.0% | 5.4% |
| Work from home | 8.2% | 11.9% | 8.7% |
| Poverty rate | 11.8% | 12.4% | 13.2% |
| Unemployment (ACS) | 3.9% | 7.0% | 4.4% |
| One-way commute | Share of Pershing County workers |
|---|---|
| Under 15 min | 42.4% |
| 15 to 29 min | 22.6% |
| 30 to 44 min | 17.0% |
| 45 to 59 min | 5.4% |
| 60+ min | 12.6% |
Borrowing situations common in Pershing County
What the Pershing County figures suggest, and what to check first:
- Health costs. With 10% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Commuter costs. 18% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Repairs on manufactured housing. With 53% of homes here, compare a personal loan with any dealer or park repair program.
Room for a loan payment in Pershing County
The debt-to-income ratio is the main affordability test lenders use. Applied to Pershing County's medians:
- $5,575 a month: gross income for a household at the Pershing County median
- Housing at the median rent of $715 uses 13%
- Under a 40% cap, $2,230 total minus rent leaves $1,515
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Licensing and complaints for Pershing County
Consumer lenders serving Pershing County are licensed by the state, not the county; in Nevada that is 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.
Steps before you apply in Pershing County
A short checklist for Pershing County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
More guides for Pershing County
For statewide rules and data, see the Nevada guide.
Frequently asked questions
What is the median household income in Pershing County?
$66,902 a year in the 2020 to 2024 Census survey, versus $78,260 for Nevada. It ranks 14th of 17 in the state.
What do renters pay in Pershing County?
$715 a month at the median, about 13% of median household income.
Which towns does the Pershing County guide cover?
Every community in the county, unincorporated areas included. The largest of its 5 Census places: Lovelock, Grass Valley, Imlay, Humboldt River Ranch, Unionville.
Is the fit check different in Pershing County?
No. It is identical everywhere, and it never looks at your neighborhood.
Is there a Pershing County office that licenses lenders?
No, licensing is statewide. In Nevada it is the Nevada Financial Institutions Division.