Photo by Shanmu Wang on Unsplash (https://unsplash.com/@shanmu_10)
Fernley, Nevada Retirement Guide
established retirement community
74
Retirement Score
Fernley, Nevada at a Glance
- Median Home Price
- $328,900
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 26.5°F
- Cost of Living Index
- 96.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 74 / 100
Retirement Data
Affordability
Cost of Living Index
96.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$328,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,351High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
39.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
96.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
26.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
9.4"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
341 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
81.3 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
14.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
23,035High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
35.9High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
14.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$84,025High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
73.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
13.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
14.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
10.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
79.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
17.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Fernley using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$713
Stress-case monthly carrying cost
$800
Median home price used: $328,900
Median rent reference: $1,351 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.