1st Advantage MortgageThe median White Pine County household earns $72,865, and 8% of residents live below the poverty line. 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
- White Pine County, NV: the basics
- Employment and commuting in White Pine County
- How much White Pine County households make
- What it costs to live in White Pine County
- White Pine County towns compared
- Counties near White Pine County
- What a median White Pine County budget can carry
- Reading the White Pine County data as a borrower
- White Pine County households compared
- Before you sign
- Licensing and complaints for White Pine County
- Related local guides
- Frequently asked questions
White Pine County, NV: the basics
White Pine County is home to about 8,735 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 10th most populous of 17 county-level areas in Nevada. Land area is 8,887 square miles (2024 Gazetteer), so density runs near 1 per square mile. Under the July 2023 OMB definitions, White Pine County is not part of any metropolitan area. Ely is the biggest of its 6 Census places, at roughly 3,929 people (45% of the county total). Small populations mean wide margins of error, so read every White Pine County figure on this page as a rough guide.
Employment and commuting in White Pine County
Arts, lodging and food service employs 21% of working residents, the largest share; agriculture, forestry and mining is next with 20%. Agriculture, forestry and mining stands out: 20% of workers here, versus 1% statewide. ACS puts five-year average unemployment at 4.0% in White Pine County. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work. Households without a car make up 1.9% of the total (7.0% statewide).
| Where residents work | White Pine County | Difference from Nevada |
|---|---|---|
| Arts, lodging and food service | 20.7% | +1.0 pts |
| Agriculture, forestry and mining | 20.3% | +19.0 pts |
| Education and health care | 16.0% | -1.1 pts |
| Public administration | 10.7% | +6.5 pts |
| Retail trade | 9.1% | -2.0 pts |
| Transportation, warehousing and utilities | 8.1% | +0.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
How much White Pine County households make
Half of White Pine County households take in less than $72,865 a year and half take in more, 7% below the Nevada median of $78,260. In the state ranking that is 10th of 17.
| Households earning | White Pine County | +/- vs Nevada |
|---|---|---|
| Under $35,000 | 27.4% | +6.7 pts |
| $35,000 to $99,999 | 39.5% | -1.3 pts |
| $100,000 to $199,999 | 30.8% | +3.3 pts |
| $200,000 or more | 2.2% | -8.7 pts |
Some 27% of households here live on less than $35,000 a year; 33% have six-figure incomes. Census counts 8.2% of White Pine County residents in poverty, against 12.4% across Nevada. Income inequality, measured by the Gini index, comes to 0.379 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the White Pine County median.
What it costs to live in White Pine County
Renters in White Pine County pay a median of $937 a month, 41% below the Nevada figure of $1,597. Rent takes 30% or more of income for 23% of renter households here. Home values center on $220,000, or 3.0 years of median income. Owners occupy 75% of homes. Median construction year: 1970.
| Cost | White Pine County | Nevada figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $937/mo | $1,597/mo | $877/mo |
| Median home value | $220,000 | $435,400 | $185,300 |
| Owners | 75% | 60% | 75% |
| Rent-burdened renters | 23% | 56% | 45% |
| Burdened owners | 40% | 31% | n/a |
| Vacant units | 19% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
White Pine County towns compared
6 Census places fall mainly inside White Pine County; the 6 biggest are below. They account for 5,656 residents, leaving about 35% of the county in unincorporated, unnamed areas. This guide covers each of the 6 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Ely | city | 3,929 | $77,500 | $950 | 11 mi |
| McGill | CDP | 1,050 | $56,779 | $1,663 | 7 mi |
| Ruth | CDP | 298 | n/a | n/a | 11 mi |
| Preston | CDP | 257 | n/a | n/a | 36 mi |
| Lund | CDP | 122 | n/a | n/a | 39 mi |
| Baker | CDP | 0 | n/a | n/a | 50 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Counties near White Pine County
Distances run center to center, from Eureka County at 83 miles out to Lander County at 119. Tooele County leads the group on income ($106,587), Eureka County trails ($70,473), and White Pine County out-earns 1 of the six. Some neighbors are in Utah. Lender licensing is state by state, so a loan for a White Pine County resident follows Nevada rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| White Pine County | - | $72,865 | $937/mo | 75% |
| Eureka County, NV | 83 mi | $70,473 | $969/mo | 83% |
| Millard County, UT | 100 mi | $73,639 | $882/mo | 82% |
| Juab County, UT | 114 mi | $101,786 | $907/mo | 84% |
| Beaver County, UT | 116 mi | $79,360 | $981/mo | 81% |
| Tooele County, UT | 119 mi | $106,587 | $1,189/mo | 82% |
| Lander County, NV | 119 mi | $89,014 | $902/mo | 77% |
What a median White Pine County budget can carry
Here is the White Pine County median household run through a simple DTI check. Your numbers will differ.
- $72,865 a year is $6,072 of gross monthly income
- Rent at the median, $937, takes 15% of that
- With a 43% ceiling, about $1,674 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Reading the White Pine County data as a borrower
Where the White Pine County numbers stand out, and why it matters for a loan:
- Repairs on manufactured housing. With 21% of homes here, compare a personal loan with any dealer or park repair program.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
White Pine County households compared
College graduates make up 12% of the adult population. 4.7% of residents have no health coverage.
| Indicator | White Pine County | All of Nevada | U.S. county median |
|---|---|---|---|
| Median age | 43.1 | 39.1 | 41.5 |
| Bachelor's or higher | 12.4% | 27.9% | 22.2% |
| No high school diploma | 13.8% | 12.5% | n/a |
| No health insurance | 4.7% | 11.4% | 7.8% |
| No vehicle | 1.9% | 7.0% | 5.4% |
| Work from home | 7.7% | 11.9% | 8.7% |
| Poverty rate | 8.2% | 12.4% | 13.2% |
| Unemployment (ACS) | 4.0% | 7.0% | 4.4% |
| One-way commute | Share of White Pine County workers |
|---|---|
| Under 15 min | 49.8% |
| 15 to 29 min | 36.1% |
| 30 to 44 min | 6.5% |
| 45 to 59 min | 2.7% |
| 60+ min | 4.9% |
Before you sign
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one White Pine County-area credit union.
- Verify the Nevada license before giving out your Social Security number.
- Ask about early-payoff penalties.
Licensing and complaints for White Pine County
White Pine County borrowers fall under statewide rules, enforced by the Nevada Financial Institutions Division. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Nevada state guide for the statewide picture.
Related local guides
The Nevada guide covers the whole state.
Frequently asked questions
What does a typical White Pine County household make?
About $72,865 a year at the median (ACS 2020-24), 7% below the Nevada median.
Is White Pine County expensive for renters?
Median rent is $937 against $1,597 statewide, and 23% of renter households are cost-burdened.
I live in a small White Pine County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Ely, McGill, Ruth, Preston, Lund and 1 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in White Pine County or elsewhere in Nevada, the same rules apply.
Where can someone in White Pine County check a lender's license?
With the Nevada Financial Institutions Division. If a lender is unlicensed or asks for a fee before funding, walk away.