Total monthly cost of ownership
Cost to Own a Home in Pioche, Nevada
A $197,000 home here costs
$1,481per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,013. The real number is $468 higher every month — 46% more than the payment most buyers budget for.
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 $122 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
Common questions
How much does it cost to own a home in Pioche?
A $197,000 home in Pioche, Nevada costs approximately $1,481 per month with 20% down at 6.66%. That is $1,013 principal and interest, $79 property tax, $34 homeowners insurance, $190 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.
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.