HomeNevadaLyon CountyFernley
Fernley, Nevada: commercial real estate data.
Fernley 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 since FY2020.
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$181,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Fernley, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
Counted by borrower city: approvals to borrowers whose address is in Fernley, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Fernley
Flood risk in Fernley
- NFIP communityCity of Fernley
- NFIP community number320038
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/16/09
The City of Fernley participates in the National Flood Insurance Program as community 320038 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lyon County, not Fernley
Lyon County context, not Fernley figures
- Establishments in Lyon County874
- Covered employment, Lyon County13,744
- Average annual pay, Lyon County$58,903
- Housing units permitted, Lyon County297
Every figure in this section is published for Lyon County as a whole and is not a measurement of Fernley.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $16.7 m since FY2020, across 10 lenders, median approval $181,000, plus 7 504 approvals worth $2.2 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Fernley in the National Flood Insurance Program?
Yes. Fernley appears in the FEMA Community Status Book as Fernley, city of, community 320038, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Fernley figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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