HomeNevadaLyon CountyFernley city
Fernley city, Nevada: commercial real estate data.
Fernley city is a Census city of 24,225 people across 122.72 square miles of land, in Lyon County. Median household income is $89,517, 72.0 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $16.7 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Fernley
What Fernley is
- Census place typecity
- Land area122.72 sq mi
- Water area6.74 sq mi
- Population per square mile of land197
- County holding the largest share of its areaLyon County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernley
How many people live in Fernley
- Population24,225
- Median age36.4
- Population under 185,726
- Share under 1823.6 percent
- Population 65 and over3,655
- Share 65 and over15.1 percent
- Households8,789
- Family households6,554
- Share of households that are families74.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernley
Income and work in Fernley
- Median household income$89,517
- Per capita income$37,038
- Civilian labor force12,248
- Employed11,572
- Unemployed676 plus or minus 250
- Unemployment rate5.5 percent plus or minus 2.0
- Adults 25 and over16,638
- Adults 25 and over with a high school diploma or higher89.8 percent
- Adults 25 and over with a bachelor degree or higher16.4 percent
- Adults 25 and over with a graduate degree4.2 percent plus or minus 1.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernley
Housing in Fernley
- Housing units9,141
- Occupied units8,789
- Vacant units352 plus or minus 156
- Vacancy rate3.9 percent plus or minus 1.7
- Owner occupied6,331
- Renter occupied2,458
- Ownership rate72.0 percent
- Median owner-occupied home value$366,700
- Median gross rent, monthly$1,570
- Annual rent as a share of median income21.0 percent
- Single family units7,167
- Share single family78.4 percent
- Units in buildings of two or more1,107 plus or minus 295
- Share in buildings of two or more12.1 percent plus or minus 3.2
- Mobile homes860 plus or minus 213
- Median year structure built2001
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernley
How Fernley gets to work
- Workers 16 and over who commute10,809
- Commuting under 15 minutes3,625
- Share commuting under 15 minutes33.5 percent
- Commuting 30 minutes or more4,797
- Share commuting 30 minutes or more44.4 percent
- Drove alone78.4 percent
- Carpooled10.2 percent plus or minus 2.4
- Public transport1.5 percent plus or minus 0.9
- Walked2.2 percent plus or minus 1.1
- Worked from home6.5 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fernley
SBA loans in Fernley (7(a))
- Approvals18
- Gross approval$16,706,900
- Average approval$928,161
- Median approval$200,000
- Ninetieth percentile approval$4,150,000
- Largest approval$4,607,000
- Jobs supported194
- Jobs per approval10.8
- Loans with a final outcome4
- Paid in full3
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more38.9 percent
- Share to franchises16.7 percent
- Distinct lenders10
- Distinct industries by NAICS15
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fernley
SBA loans in Fernley (504)
- Approvals7
- Gross approval$2,171,000
- Average approval$310,143
- Median approval$278,000
- Largest approval$558,000
- Jobs supported56
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lyon County, not Fernley
Lyon County context, not Fernley figures
These are Lyon County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Fernley measurements.
- Establishments in Lyon County874
- Employment at those establishments, Lyon County9,874
- Covered employment, Lyon County13,744
- Average annual pay, Lyon County$58,903
- Average weekly wage, Lyon County$1,133
- Housing units permitted, Lyon County297
- Of those, single family, Lyon County209
- County product, 2024, Lyon County$2,367,880,000
- County product change over the prior year, Lyon County-0.3 percent
- Average income of an arriving household, Lyon County$67,159
Every figure in this section is published for Lyon County as a whole and is not a measurement of Fernley. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Fernley questions, answered from the record.
How many people live in Fernley, Nevada?
24,225, in 8,789 households. Fernley city covers 122.72 square miles of land, which is 197 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fernley in?
Lyon County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Fernley?
$89,517. The median owner-occupied home is valued at $366,700. Median gross rent is $1,570 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fernley businesses?
18 7(a) approvals totalling $16.7 m, across 10 lenders, median approval $200,000, plus 7 504 approvals worth $2.2 m. These count approvals to borrowers whose address is in Fernley, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fernley borrowers get paid back?
No rate is published for Fernley. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Fernley figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lyon County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Fernley.
Is zoning published for Fernley?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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