Cost of Living in 89183

Cost of Living Overview

Zip code 89183 has a cost of living index of approximately 103, meaning it's about 3% above the national average. That figure is driven almost entirely by housing costs — groceries, utilities, and healthcare are close to or below national norms. Compared to other popular Sun Belt destinations like Phoenix (101), Austin (107), or Denver (113), the 89183 area remains competitively priced. And unlike California, there's no state income tax eating into your paycheck.

89183 vs. Las Vegas vs. National Average

The table below compares cost of living index scores across major categories. A score of 100 represents the national average — anything above is more expensive, anything below is cheaper.

Housing Costs: Buying vs. Renting

Housing is the single biggest line item in any budget, and 89183 offers solid value compared to coastal markets. The median home price of $415,400 buys you a 3-4 bedroom single-family home — typically 1,500 to 2,200 sq ft — built during the 1990s construction boom. Rentals have tightened since the pandemic but remain more affordable than comparable Sun Belt metros.

Utilities & Energy Costs

Utility costs in 89183 are slightly below the national average overall, but the seasonal pattern is different from most of the country. NV Energy provides electricity, and summer electric bills can spike to $250-$400+ when the AC runs around the clock from June through September. Winter bills drop significantly — often under $100 — since heating demands are minimal. Southwest Gas handles natural gas (used primarily for heating, water heaters, and cooking). The Las Vegas Valley Water District provides water service; rates are reasonable but conservation-tiered to discourage excess use in the desert climate.

Groceries & Transportation

Grocery costs in 89183 are about 3% above the national average — a gallon of milk runs around $3.80, a dozen eggs about $3.50, and a loaf of bread $4.00. Major grocery chains nearby include Smith's (Kroger affiliate), Albertsons, Walmart Supercenter on Blue Diamond Road, and Costco in Henderson. WinCo Foods, a budget-friendly option, is also within a short drive.

Las Vegas is a car-dependent city. Average gas prices in Nevada tend to run $0.20-$0.40 higher per gallon than the national average. Car insurance rates are moderate — around $1,800-$2,200 per year for full coverage. The tradeoff is that 89183's location near I-15 and I-215 keeps commute times short, and there are no tolls on any Nevada roads.

Nevada Tax Advantages

One of the biggest financial advantages of living in 89183 is Nevada's zero state income tax. There's no personal income tax, no corporate income tax, and no franchise tax. For a household earning the area median of $83,053, that translates to roughly $3,000-$5,000+ in annual savings compared to states like California (up to 13.3%) or Oregon (up to 9.9%).

Property taxes in Clark County are also relatively low. The effective property tax rate is approximately 0.53% of assessed value — well below the national average of 1.1%. On a $415,000 home, that works out to roughly $2,200 per year. Nevada law also caps annual property tax increases at 3% for primary residences, protecting homeowners from sudden spikes.

Sample Monthly Budget

Here's a rough monthly budget for a household in 89183 earning the area median income of $83,053 (about $6,920/month gross, ~$5,600 net after federal tax and deductions).