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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Zephyr Cove, NV Housing Affordability Index

Zephyr Cove, Nevada has an MBR Housing Affordability Index score of 76.6 (Moderately Less Affordable) as of October 30, 2026, ranking 50th most affordable of 54 scored Nevada cities, compared with 86.2 statewide and 97.4 nationally. On a median-priced $1,750,000 home with 20% down, a jumbo loan at 7.39% means a monthly principal and interest payment of about $9,680, or 84% of the city’s $139,048 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Zephyr Cove is updated every night from live Nevada mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Zephyr Cove MBR-HAI 76.6 Moderately Less Affordable
Rank in Nevada 50 of 54 1 = most affordable
Nevada 86.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Nevada lenders
Median home value $1,750,000 U.S. Census Bureau

Zephyr Cove is 9.6 points below the Nevada score. Scores as of October 30, 2026. See the Nevada index

View Zephyr Cove Mortgage Rates

What It Takes to Buy in Zephyr Cove

$9,680/mo
Principal & Interest
Median home, 20% down, 7.39% jumbo
$414,900
Income Needed
To keep the payment at 28% of income
$139,048
Median Household Income
Nevada: $78,260
12.6x
Price-to-Income Ratio
Nevada: 5.6x
$1,472/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,833/yr
Median Property Tax
0.28% of median value
11.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Zephyr Cove, Nevada. The rate is the Nevada average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

How Zephyr Cove Ranks in Nevada

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Cite the Zephyr Cove Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Zephyr Cove, Nevada score: 76.6 (Moderately Less Affordable), ranked 50 of 54 Nevada cities. monitorbankrates.com/housing-affordability-index/nevada/zephyr-cove”