Total monthly cost of ownership
Cost to Own a Home in Pioche, Nevada
A $197,000 home here costs
$1,538per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $66,000 a year.
A standard mortgage calculator would have told you $1,074. The real number is $464 higher every month, 43% more than the payment most buyers budget for.
Compare Lincoln County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pioche from a five-year rolling sample, and with about 1,213 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Lincoln County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pioche against Lincoln County and Nevada
| Measure | Pioche | Lincoln County |
|---|---|---|
| Median home value | $196,800 | $208,900 |
| Median property tax | $946 | $1,135 |
| Effective tax rate | 0.481% | 0.543% |
| Median gross rent | — | $754 |
| Population | 1,213 | 4,452 |
The weather behind that power bill
Pioche sits in Lincoln County, which averages a high of 96.5°F in its hottest month and a low of 17.9°F in its coldest, with 8.85" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 986 cooling and 5,061 heating degree days, which is what sets the $118 electricity line above.
See the full climate breakdown for Lincoln County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lincoln County
Talk to someone who works this market
These are Pioche averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Pioche every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pioche I already own here and may sell
Common questions
How much does it cost to own a home in Pioche?
A $197,000 home in Pioche, Nevada costs approximately $1,538 per month with 20% down at 7.24%. That is $1,074 principal and interest, $79 property tax, $34 homeowners insurance, $186 utilities and $164 set aside for maintenance.
What is the property tax rate in Pioche?
Pioche has an effective property tax rate of 0.481%, based on a median home value of $196,800 and median real estate taxes of $946. That is lower than the Lincoln County average of 0.543%.
What is the average home price in Pioche?
The median owner-occupied home value in Pioche, Nevada is $196,800, against $208,900 across Lincoln County.
Is it cheaper to rent or buy in Pioche?
Rent data is not published for Pioche at this level of detail.
What salary do you need to buy a home in Pioche?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pioche, Nevada at today's rate takes a household income of roughly $66,000 a year. That covers the full $1,538 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pioche, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Nevada.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.