What is the cost of living in Fernley, NV?
According to the most recent data on the cost of living, Fernley has an overall cost of living index of 112, which is 1.1x higher than the national index of 100.
Compared to Nevada, Fernley has a cost of living index that's 1.1x higher than Nevada's index of 105.
The standard of living in Fernley ranks as #14 most affordable out of the 33 places we measured in Nevada. By definition, that implies Fernley ranks as the #19 most expensive place in the Silver State.
For more reading on life in Fernley, check out:
Fernley Cost Of Living Vs. Nevada
Six factors go into calculating the cost of living index in Fernley. Here is how it fares on each of the criteria:
The Services index in Fernley is 100.
The Groceries index in Fernley is 103.
The Health index in Fernley is 134.
The Housing index in Fernley is 102.
The Transportation index in Fernley is 115.
The Utilities index in Fernley is 107.
| Living Expense | Fernley | Nevada | National Average |
|---|---|---|---|
| Overall | 112 | 105 | 100 |
| Services | 100 | 103 | 100 |
| Groceries | 103 | 102 | 100 |
| Health | 134 | 101 | 100 |
| Housing | 102 | 102 | 100 |
| Transportation | 115 | 109 | 100 |
| Utilities | 107 | 103 | 100 |
Fernley Cost Of Living Compared To Nevada Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Nevada, check out:
Protect your home budget Compare home warranties in Fernley Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Fernley, NV Housing Cost Breakdown
Housing swings affordability the most between places in Nevada, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Fernley is $395,925.
The Median Rent in Fernley is $1,570.
The Median Income in Fernley is $89,517.
The Home Value To Income in Fernley is 4.4x.
The Rent To Monthly Income in Fernley is 0.21x.
Fernley, NV Costs By Category
Detailed Fernley Services costs vs. Nevada
Detailed Fernley Groceries costs vs. Nevada
Detailed Fernley Health costs vs. Nevada
Detailed Fernley Transportation costs vs. Nevada
Fernley SnackAbility
Cost Of Living In Cities Around Fernley
The cost of living varies in the cities and towns around Fernley. Here's a quick look at the cost of living in the most populous nearby places:
Sparks, NV has a cost of living index of 123, 1.1x Fernley.
Spanish Springs, NV has a cost of living index of 132, 1.2x Fernley.
Dayton, NV has a cost of living index of 114, 1.0x Fernley.
| City | Population | Cost Of Living | Vs. Fernley |
|---|---|---|---|
| Sparks, NV | 110,024 | 123 | 1.1x |
| Spanish Springs, NV | 17,980 | 132 | 1.2x |
| Dayton, NV | 15,781 | 114 | 1.0x |
| Cold Springs, NV | 11,321 | 120 | 1.1x |
| Fallon, NV | 9,463 | 101 | 0.9x |
| Johnson Lane, NV | 6,467 | 141 | 1.3x |
| Indian Hills, NV | 5,527 | 124 | 1.1x |
| Silver Springs, NV | 5,060 | 101 | 0.9x |
