| City: | Zephyr Cove, Nevada |
| Names to Avoid: | Cave Rock, Elk Point, Elks Point, Kelmont East, Kingsbury, Lake Village, Marla Bay, Pinewild, Round Hill, Skyland, Wittell, Zephyr Point |
| County: | Douglas County |
| Timezone: | Pacific (GMT -08:00) |
| Local Time: | 9:31:12 AM |
| Population: | 1,905 [See All] |
| Area Code: | 775 |
| Classification: | PO Box |
| Coordinates: | 39.0279, -119.9197 |
| Land Area: | 12.289 sq mi |
| Quick Link: |
Zephyr Cove sits along Lake Tahoe's eastern shore in Douglas County, Nevada. This isn't just a small community. It's an alpine lakeside settlement where 1,905 year-round residents share an area of less than 5 square miles with hundreds of seasonal homeowners.
This is a PO Box Only Zone, and street delivery doesn't exist here. With 1,723 PO Boxes serving 953 occupied homes, the adoption rate of 1.81 means the post office handles mail for many more addresses than just local households. Seasonal property owners, vacation renters, and residents of neighboring hamlets all use Zephyr Cove boxes. About 35% of homes (594 of 1,681 total housing units) sit vacant most of the year, used only seasonally.
Zephyr Cove encompasses multiple distinct areas along the lakeshore. USPS recognizes 12 alternative names for this ZIP, though they're not valid for mailing: Zephyr Point, Round Hill, Skyland, Elks Point, Cave Rock, Marla Bay, Lake Village, Kingsbury, and others. Street names like Elks Point Road (with 217 delivery records), Lake Shore Boulevard, and Lakeview Drive track the lakefront geography.
Median age here is 57 years, among the highest in Nevada. This is a retirement and second-home community, not a working town. Median home values reach $1,336,500, while median household income stands at $136,250. About 20% of workers (284 people) work from home. Homeownership dominates, with 684 owner-occupied units compared to 269 rentals.
Mail delivery uses a mixed pattern of 2 city carrier routes and 1 rural route, but there's no home delivery. All mail goes to PO Boxes at the Zephyr Cove post office. For anyone living in or owning property in Zephyr Cove, Round Hill, Skyland, or any of the other lakeside settlements, a PO Box at 89448 is the only option.
Street names track Lake Tahoe's eastern shoreline with addresses concentrated along Elks Point Road and lakefront routes.
ZIP Code 89448 has 1,905 residents and 953 households (average 2.00 persons per household). The median age is 57.0 years, significantly older than the state (38.6) and significantly older than the nation (38.8). The gender split is 52.9% male and 47.1% female, which is higher than the national male share (49.1%), making this a male-majority area. Largest groups are White (84.2%, much higher than the state average of 51.2% and well above the national average of 61.6%) and Hispanic or Latino (7.3%); Hispanic or Latino residents make up 7.3%, which is much lower than the state average (28.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 1,905Source: Census DHC |
| 2024 ACS Population Estimate: | 1,698Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 155.0 people per sq mile |
| Average Income: | $137,586Source: Census ACS |
| Households: | 953Source: Census DHC |
| Average House Value: | $1,369,100Source: Census ACS |
| Persons Per Household: | 2.00Source: Census DHC |
| Average Family Size: | 2.82Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 1,180 | 1,268 | 1,365 | 1,430 | 1,542 | 1,497 | 1,371 | 1,442 | 1,712 | 1,776 | 1,875 | 1,969 | 1,961 | 1,698 |
| Decennial Census | 1,695 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 1,905 | -- | -- | -- | -- |
Median Age: 57
Male Median Age: 57.5
Female Median Age: 56.3
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 31 | 21 | 37 | 26 | 29 | 42 | 42 | 52 | 57 | 51 | 71 | 86 | 132 | 116 | 100 | 73 | 30 | 11 |
| Female | 22 | 37 | 28 | 27 | 17 | 55 | 59 | 47 | 42 | 40 | 54 | 76 | 138 | 91 | 73 | 47 | 20 | 25 |
| Total | 53 | 58 | 65 | 53 | 46 | 97 | 101 | 99 | 99 | 91 | 125 | 162 | 270 | 207 | 173 | 120 | 50 | 36 |
| White: | 1,604 | 84.87% |
| Black: | 9 | 0.48% |
| Hispanic:* | 140 | 7.41% |
| Asian: | 65 | 3.44% |
| American Indian: | 12 | 0.63% |
| Hawaiian: | 7 | 0.37% |
| Other: | 53 | 2.80% |
| Total: | 1,890 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 1,007 | 52.86% | 57.5 years |
| Females: | 898 | 47.14% | 56.3 years |
| Total: | 1,905 | 100% | 57.0 years |
| Native, born in the United States: | 1,467 | 86.40% |
| Native, born in PR, Island Areas, or abroad: | 10 | 0.59% |
| Foreign born, naturalized U.S. citizen: | 79 | 4.65% |
| Foreign born, not a U.S. citizen: | 142 | 13.02% |
| Total Population: | 1,698 | 100% |
| Total Native Population: | 1,477 | 86.98% |
| Total Foreign-born Population: | 221 | 13.02% |
In 2024, the Median household income is $137,586, which is much higher than the national median ($80,734), is up $75,744 (122.5%) since 2011 and above its 2019 pre-pandemic level by $49,336. Family households earn a median of $147,039 versus $99,453 for nonfamily households (a difference of $47,586). By gender, male median income is $140,167 and female is $87,829, which is far above the national female median ($55,274), with a current gap of $52,338 that has widened from 2011 to 2024. The labor-force participation rate is 42.2%, which is far less than the national rate (63.5%). The unemployment rate is 4.4%, which is below the national rate (5.2%). The largest occupation group is Management (53.5%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $61,842 | $72,600 | $63,239 | $70,500 | $96,250 | $79,675 | $75,833 | $82,708 | $88,250 | $100,272 | $106,607 | $127,454 | $136,250 | $137,586 |
| Median Family Income | $107,143 | $101,705 | $74,323 | $79,000 | $102,083 | $89,417 | $76,979 | $92,868 | $95,536 | $115,795 | $124,615 | $148,430 | $141,447 | $147,039 |
| Median NonFamily Income | $39,559 | $42,440 | $39,643 | $36,071 | $78,438 | $77,813 | $71,250 | $70,909 | $82,934 | $73,542 | $79,063 | $68,625 | $108,295 | $99,453 |
| Median Male Income | $66,982 | $66,250 | $63,015 | $64,615 | $62,386 | $63,854 | $66,731 | $72,250 | $74,167 | $66,758 | $68,109 | $80,500 | $76,875 | $140,167 |
| Median Female Income | $34,413 | $43,333 | $50,476 | $46,500 | $50,179 | $46,932 | $46,696 | $47,135 | $55,859 | $52,708 | $62,976 | $64,100 | $66,696 | $87,829 |
| Employed: | 630 | 40.33% |
| Unemployed: | 29 | 1.86% |
| Not In Labor Force: | 903 | 57.81% |
| Total: | 1,562 | 100% |
| Management, business, science, and arts: | 337 | 53.49% |
| Service: | 100 | 15.87% |
| Sales and Office: | 145 | 23.02% |
| Natural resources, construction, and maintenance: | 48 | 7.62% |
| Production, transportation, and material moving: | 0 | 0.00% |
| Total Civilian Employed Population: | 630 | 100% |
In 2024, the median home value is $1,369,100, which is markedly greater than the national median ($332,700), is up $627,400 (84.59%) since 2011 and above its 2019 pre-pandemic level by $648,300. The median gross rent is $2,007, which is considerably higher than the national median ($1,413), is up $802 (66.56%) since 2011 and above its 2019 pre-pandemic level by $427. Of occupied housing, owners make up 85.45% (57.64% with a mortgage, 42.36% free-and-clear) and renters 14.55% - making this ZIP Code under national rental averages. The vacancy rate is 53.36%, which is markedly above the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $741,700 | $560,700 | $582,900 | $612,900 | $640,400 | $654,400 | $650,500 | $678,900 | $720,800 | $813,800 | $913,900 | $1,267,600 | $1,336,500 | $1,369,100 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 9 | 7.69% |
| $1,000 to $1,499: | 28 | 23.93% |
| $1,500 to $1,999: | 21 | 17.95% |
| $2,000 to $2,499: | 36 | 30.77% |
| $2,500 to $2,999: | 23 | 19.66% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 0 | 0.00% |
| Total: | 117 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,205 | $1,163 | $1,458 | $1,159 | $1,242 | $1,218 | $1,247 | $1,375 | $1,580 | $1,469 | $1,457 | $1,796 | $2,034 | $2,007 |
| Owner Occupied (with mortgage): | 396 | 49.25% |
| Owner Occupied (free and clear, no mortgage): | 291 | 36.19% |
| Renter Occupied: | 117 | 14.55% |
| Total Occupied Housing Units: | 804 | 100% |
| Occupied Housing Units: | 804 | 46.64% |
| Vacant Housing Units (not graphed): | 920 | 53.36% |
| Total Housing Units: | 1,724 | 100% |
| Single-Family Units: | 1,332 | 77.26% |
| Multi-Family Units: | 380 | 22.04% |
| Other Units: | 12 | 0.70% |
| Total Housing Units: | 1,724 | 100% |
In 2024, 50.70% of adults (25+) have a bachelor's degree or higher, which is far higher than the national rate (35.70%). High school or higher is 96.10%, which is far higher than the national rate (89.60%). The uninsured rate is 1.90%, which is far lower than the national rate (8.40%). Public coverage is 49.10%, which is well above the national rate (36.70%). The share of people in poverty is 1.60%, which is far lower than the national rate (8.80%), down 2.70 percentage points since 2011 and below its 2019 pre-pandemic level by 1.00 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is high school (46.84%). College enrollment is 22.15%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 18 | 1.24% |
| 9th to 12th grade, no diploma: | 38 | 2.62% |
| High school graduate (includes equivalency): | 159 | 10.95% |
| Some college, no degree: | 334 | 23.00% |
| Associate's degree: | 167 | 11.50% |
| Bachelor's degree: | 401 | 27.62% |
| Graduate or professional degree: | 335 | 23.07% |
| Total: | 1,452 | 100% |
| High school or higher: | 1,396 | 96.14% |
| Bachelor's degree or higher: | 736 | 50.69% |
| Private Insurance: | 1,393 | 61.69% |
| Public Insurance: | 833 | 36.89% |
| No Insurance: | 32 | 1.42% |
| Total: | 2,258 | 100% |
| Has Health Insurance: | 2,226 | 98.58% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 4.9% | 4.3% | 3.8% | 4.8% | 0.0% | 0.0% | 2.8% | 2.5% | 3.2% | 2.5% | 4.5% | 1.1% | 2.2% | 1.6% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 0 | 0.00% |
| Kindergarten: | 4 | 2.53% |
| Elementary school (grades 1-8): | 45 | 28.48% |
| High school (grades 9-12): | 74 | 46.84% |
| College or graduate school: | 35 | 22.15% |
| Total: | 158 | 100% |
| Early Childhood: | 4 | 2.53% |
| K-12 (Primary & Secondary School): | 123 | 77.85% |
ZIP Code 89448 supports both business and residential activity. According to the Business Census (2024), there are 202 business establishments, employing about 1,292 people with an annual payroll of $67,606,000.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 2,716Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 202Source: CBP |
| 1st Quarter Payroll: | $15,392,000Source: CBP |
| Annual Payroll: | $67,606,000Source: CBP |
| # of Employees: | 1,292Source: CBP |
ZIP Code 89448 is located in Douglas County, Nevada, within the Gardnerville Ranchos, NV-CA Metropolitan Statistical Area (CBSA 23820) and Nevada's 2nd Congressional District. This Micro area has a population of 46,997 people, about 4.05% of whom live in ZIP Code 89448. It covers 12.289 sq mi of land and a water area of 0.353 sq mi.
| CBSA Name: | Gardnerville Ranchos, NV-CASource: Census |
| CBSA Number: | 23820Source: Census |
| CBSA Type: | MicroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 46,997Source: Census |
| MSA: | Source: Census |
| Land Area: | 12.289 sq miSource: Census |
| Water Area: | 0.353 sq miSource: Census |
| Congressional District: | 02Source: USPS |
| Congressional Land Area: | 55829.71 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 3286200Source: Census |
| Place Name: | Zephyr Cove CDP; NevadaSource: Census |
ZIP Code 89448 is in the Douglas County School District, which serves grades Pre-Kindergarten thru 12th. There are 2 public school(s) in this ZIP Code, and we have located 3 private school(s). It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.