Down payment assistance · Lyon County
Buying a home in Fernley, NV
15 statewide.Fernley has no program of its own, and 15 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Fernley
No program of Fernley’s own yet
No program run for Fernley or for Lyon County alone is listed. A home in Fernley can use the Nevada statewide and federal programs below.
The closest city that runs its own program is Las Vegas, about 326 miles away. City programs usually require the home to be inside that city’s limits.
The Fernley marketThe Fernley housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fernley
- 76.6% single-familysingle-family
- 1.8% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 5.3% 5+ unitscondo & apartment buildings (5+ units)
- 9.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fernley’s homes were built
14.1%
of Fernley homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
13 of the 77 programs here set their income limit as a share of Lyon County’s area median income, adjusted for household size. See the published limits for Lyon County
Free help nearbyFree help near Fernley
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Nevada and nationwide
77 statewide & federal programs15 statewide programs, plus federal options
Fernley questions
Does Fernley have its own down payment program?
No program run for Fernley alone is listed. A home in Fernley can use the 15 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fernley?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Lyon County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Lyon County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fernley?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
89408
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.