Business Travelers
- 12-minute airport commute via I-580
- Direct flights to major metros from Reno-Tahoe Intl
- South Virginia Street connectivity
- No master-plan gate delays
Historic Hot-Springs Area · South Reno
Steamboat Homes For Sale
Nevada's #1 team for Steamboat real estate. Search homes for sale in south Reno's historic hot-springs community — established single-family homes, newer south-valley subdivisions, and properties from $500K to $850K+ near I-580 and Mt Rose Highway.
MEDIAN LIST PRICE
$700K
LVR / GLVAR via Repliers, as of September 18, 2026
DAYS ON MARKET
63
LVR / GLVAR via Repliers, as of September 18, 2026
TO AIRPORT
12 min
via I-580 north
TO LAKE TAHOE
45 min
via US-50 south shore
Property research
Verify for your address
Confirm current school assignments, association documents, parcel taxes, and insurance with the applicable sources.
Last updated
June 23, 2026
Individual data periods may differ from the page update date.
KEY TAKEAWAYS
What Should You Know About Steamboat at a Glance?
Steamboat is south Reno's historic hot-springs neighborhood: ZIP 89521 median list price $699,975, homes under contract in about 45 days per Reno/Sparks Association of REALTORS data, and direct I-580 access verified by Northern Nevada Regional MLS. Five takeaways below decode what those numbers mean for buyers weighing this south Reno corridor.
- Community character: South Reno suburban area (ZIP 89521) anchored by the historic Steamboat Hot Springs, blending established homes with newer south-valley subdivisions.
- Median list price: $699,975 (September 2026, ZIP 89521) — from $500K established homes to $850K+ newer south Reno properties.
- Best for: California relocators, families seeking Washoe County schools, buyers wanting south Reno value and quick airport access near Damonte Ranch.
- HOA fees: Varies widely — $0 for many established homes; $50-$150/month in newer planned subdivisions adjacent to Damonte Ranch.
- Key advantage: Zero Nevada state income tax, 12-minute airport commute, historic Steamboat Hot Springs access, and prices well below Bay Area equivalents.
Last updated September 2026 · Sources: RSAR, U.S. Census, NNRMLS
Where Can You Find Steamboat Area Homes for Sale?
ZIP 89521 carries active listings across Steamboat and the broader south Reno corridor as of September 2026 according to Reno/Sparks Association of REALTORS and Northern Nevada Regional MLS data, spanning $500K established single-family homes to $850K+ newer south-valley builds. The eight newest listings appear below, refreshed throughout the day, with every active area property searchable in our live MLS portal.
PRICE DISTRIBUTION
How Many Steamboat Area Homes Sell in Each Price Range?
The ZIP 89521 median list price sits at $700K per Reno/Sparks Association of REALTORS September 2026 NNRMLS data, with inventory clustering in the $550K-$750K family-home band. Each card below shows current active-listing counts by price range, so you can gauge real competition in your budget before you start touring.
Browse Steamboat Listings
How Can You Find a Steamboat Home by Type, Price & Lifestyle?
The Steamboat ZIP 89521 corridor carries active listings spanning established homes, newer south-valley builds, and lifestyle filters below — each link opens our live NNRMLS search pre-filtered to that slice, with counts updated daily from Reno/Sparks Association of REALTORS and NNRMLS data.
Which Steamboat Area Neighborhoods Should You Explore?
Tap a neighborhood card to see current listings, price ranges, and what daily life looks like inside each section of the Steamboat corridor.
By Property Type
By Price Range
Updated daily · 298 active listings · MLS data
STAY AHEAD OF THE MARKET
How Can You Get New Steamboat Area Listings First?
Custom alerts by price, beds, baths, and home features — no spam, unsubscribe anytime. With south Reno homes in ZIP 89521 going under contract in a median 45 days per Reno/Sparks Association of REALTORS, buyers who see new listings within hours hold a real edge over buyers who check portals weekly.
- Custom criteria — neighborhood, price, beds, baths, features
- Instant alerts — emailed within minutes of a new MLS listing
- 1,200+ Henderson buyers used NREG alerts last year
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School planning
Check schools for your address
Before choosing a home, request address-specific school assignments for the intended school year from the district. Confirm grade levels, program eligibility, enrollment requirements and any boundary changes. Use the exact property address, including any unit number, and ask the district to confirm the assignment before making a purchase decision.
Check Washoe school zoning · View Nevada Report Card
Compare each school’s programs and published results for the same reporting year. Proximity to a school does not guarantee admission; contact charter, magnet and private schools about their application and enrollment requirements.
CRIME DATA
Review reported crime for the area
Where to start
Review reports from the law-enforcement agency serving the address. Check the reporting period, area covered, offense definitions and completeness before comparing locations. When requesting local information, provide the property address and ask which agency and geographic boundary each report represents, along with any known reporting gaps.
Understand what the reports cover
The FBI publishes crime and law-enforcement statistics through its Crime Data Explorer. Its guidance cautions against using crime totals alone to rank communities: reporting practices and local conditions affect comparisons.
A citywide statistic does not establish conditions at a particular home. Ask the local agency about current reports for the area and gaps in the available data. Missing records do not mean zero crime, and a gated entrance does not establish a safety rating.
FBI crime data resources · FBI guidance on comparing communities
Living In
What's It Like Living in Steamboat, South Reno?
The Answer
Steamboat offers south Reno suburban living anchored by the historic Steamboat Hot Springs — the only operating geothermal hot springs in Reno. The City of Reno I-580 corridor puts downtown 18 minutes north and the airport just 12 minutes away, with Lake Tahoe accessible in under an hour. Zero Nevada state income tax sweetens every relocation budget.
What is Steamboat known for?
Steamboat is known as south Reno's historic hot-springs neighborhood — home to Steamboat Hot Springs, a geothermal landmark the Nevada State Historic Preservation Office recognizes, where locals and visitors have soaked since the 1850s. The area blends established character with south-valley suburban convenience, sitting immediately adjacent to the Damonte Ranch master plan.
Who should live in Steamboat?
Steamboat fits California relocators seeking tax savings and south Reno convenience, families who want Washoe County schools without mandatory master-plan HOA costs, buyers looking for established neighborhoods with character, and anyone who values a short airport commute and Lake Tahoe access in under an hour.
What is daily life like in Steamboat?
Daily life runs between the South Virginia Street retail corridor and the Steamboat Hills: morning walks near the historic hot springs, quick shopping at Damonte Ranch Town Center, and weekends at Lake Tahoe (45 minutes via US-50) or skiing at Mt. Rose Ski Tahoe (about 40 minutes). Downtown Reno is 18 minutes north via I-580.
Location
Where Is Steamboat
Steamboat sits in south Reno (ZIP 89521) along South Virginia Street and the I-580 corridor, anchored by the historic Steamboat Hot Springs site. Immediately adjacent to the Damonte Ranch master plan to the north. About 18 minutes from downtown Reno and 12 minutes from Reno-Tahoe International Airport.
Downtown Reno
18
Min
Airport
12
Min
Damonte Ranch Town Center
7
Min
Lake Tahoe (south shore)
45
Min
Mt. Rose Ski Tahoe
40
Min
Steamboat
At a Glance$699,975
Median List Price (ZIP 89521)
~$290
Price / Sq Ft
63
Days on Market
$0-$150/mo
HOA (typical)
- Community Type
- Suburban neighborhood
- Character
- Historic hot-springs area
- ZIP Code
- 89521
- Price Range
- $500K-$850K+
- Guard-Gated
- No
- Adjacent to
- Damonte Ranch master plan
- School District
- Washoe County School District
- To Downtown Reno
- 18 min
- To Airport
- 12 min
- To Lake Tahoe
- ~45 min
Quick Answer
Is Steamboat a good place to live in south Reno?
Yes. Steamboat offers a compelling mix of historic character, south Reno value, and exceptional airport proximity. The unique Steamboat Hot Springs landmark adds community identity, and the direct adjacency to Damonte Ranch's trails and retail gives residents master-plan convenience without mandatory HOA costs. Nevada's zero state income tax adds an estimated $10,000-$40,000+ per year in savings for most relocating California households.
Source: Nevada State Demographer
DEMOGRAPHICS
Who Lives in Steamboat?
According to the U.S. Census Bureau, ZIP 89521 holds a mixed owner-occupied and family-oriented population with a median household income near $78,000 — above the Reno city average — and moderate California in-migration over the past decade. The median age of roughly 38 reflects the south Reno family buyer base drawn by Washoe County schools and I-580 access.
Home values in ZIP 89521 have grown steadily as south Reno expanded with the Damonte Ranch master plan build-out and spillover demand. The Steamboat area attracts first-move-up buyers, established families, and relocators who want south Reno convenience without committing to a full master-plan HOA structure.
~48,000
vs Washoe Co ~510,000
~$78,000
vs Washoe Co $76,000
~38
vs Washoe Co 39
~$620K
vs Washoe Co $530K
~65%
vs Washoe Co 58%
~38%
vs Washoe Co 33%
~34%
vs Washoe Co 28%
2.8
vs Washoe Co 2.5
Source: U.S. Census Bureau ACS estimates & Nevada State Demographer · Updated
POPULATION & GROWTH
How Fast Is the Steamboat ZIP Growing?
ZIP 89521 has grown significantly since 2010 as south Reno expanded with the Damonte Ranch master plan build-out and south-valley demand. The corridor continues to attract families and relocators, supported by Tahoe-Reno Industrial Center employment and the area's airport-proximity advantage.
~48,000ZIP 89521 residents (2024)
~20%Population growth since 2010
~54,000ZIP 89521 projected 2030
ZIP 89521 population trajectory, 2010-2030 (projected)
Growth in ZIP 89521 tracks Damonte Ranch's ongoing master-plan build-out and broader south Reno expansion. California net in-migration into the corridor has been steady since 2018, drawn by I-580 airport access, Washoe County schools, and Nevada tax savings.
Sources: Nevada State Demographer and U.S. Census Bureau ACS. Historical figures are ZIP-level approximations; projection reflects State Demographer planning. Last updated June 2026.
MARKET TRENDS · LAST 12 MONTHS
How Is the Steamboat Area Real Estate Market Trending?
Median list price, days on market, and active inventory from Northern Nevada Regional MLS ZIP 89521 data, updated monthly. ZIP 89521 has held near $620K with moderate inventory and a 45-day median DOM — the three charts below track the past twelve months of south Reno Steamboat market movement.
Median List Price (ZIP 89521)
+2.0% YoY (May 2025 to May 2026)
Source: Las Vegas REALTORS
Days on Market
38 to 45 days YoY (seasonal softening winter)
vs September 2025
Source: Las Vegas REALTORS
Active Listings
~170 monthly average, seasonal winter dip
vs September 2025
Source: Las Vegas REALTORS
The long view: Reno's median sold price rose 116% between 2015 ($273,230) and 2026 ($591,265), across 53,785 recorded closings — Northern Nevada Regional MLS (NNRMLS) records via Repliers.
63
MEDIAN DAYS ON MARKET
$700K
MEDIAN LIST PRICE
89521
ZIP CODE
< 1 hr
OUR RESPONSE TIME
HOMES GOING FAST
Get matched with a
Steamboat specialist.
Market Competitiveness
How Competitive Is the Steamboat Market Right Now?
The Steamboat ZIP 89521 corridor is moderately competitive — well-priced family homes in the $550K-$700K band go under contract in roughly four to six weeks per NNRMLS data. Larger or more custom properties near Steamboat Hills can take eight to twelve weeks as the buyer pool for that price point narrows.
52Moderately Competitive
- 45 daysMedian days on market (ZIP 89521)
- $290Median price per sq ft
- 36-62DOM range by tier
- 170Active listings (June 2026)
Is Steamboat Right for You?
Who Should Buy a Home in the Steamboat Area?
Steamboat spans $500K established homes to $850K+ south Reno properties — a diverse range without the uniform master-plan HOA of neighboring Damonte Ranch. Zero Nevada state income tax sharpens the value case for California relocators at every price tier. Six buyer profiles below match lifestyles to Steamboat's specific strengths.
Which Steamboat Profile Fits Your Buyer Type?
California Relocators
- Zero Nevada state income tax
- Established neighborhoods with character
- $500K-$850K range suits most Bay Area move-up budgets
- Lake Tahoe 45 minutes via US-50
Growing Families
- Damonte Ranch Elementary (8/10) and High (8/10)
- Wetlands trails and parks adjacent in Damonte Ranch
- No mandatory HOA on many established homes
- South Reno suburban setting
Value Seekers
- $500K-$620K entry-level established homes
- No HOA required on many properties
- Same WCSD schools as pricier Damonte Ranch
- South Reno access without master-plan premium
Nature & History Buffs
- Steamboat Hot Springs on the doorstep
- Steamboat Hills open-space backdrop
- Damonte Ranch wetlands and birding trails
- Historic neighborhood character in south Reno
Remote Workers
- Zero Nevada state income tax
- Established home office-friendly floor plans
- 18-minute downtown Reno commute when needed
- South Virginia Street retail within minutes
Best Fit For
- Business travelers — the 12-minute airport commute via I-580 is the most compelling airport-access of any south Reno address.
- California relocators — zero state income tax, established neighborhood character, and Lake Tahoe 45 minutes away at a fraction of Bay Area pricing.
- Growing families — Washoe County schools, adjacent Damonte Ranch trails and parks, and a south Reno setting that feels settled and safe.
- Value seekers — many Steamboat homes carry no HOA — a meaningful monthly savings over Damonte Ranch or Somersett's master-plan dues.
- Nature and history buffs — Steamboat Hot Springs, Steamboat Hills open space, and Damonte Ranch wetlands trails give south Reno's most interesting outdoor mix.
- Remote workers — Nevada's tax savings fund the home office, and the 18-minute downtown commute keeps occasional in-person meetings painless.
Ready to explore homes in Steamboat? Our team knows every street, school zone, and value opportunity in the south Reno corridor.
Start Your Steamboat SearchPros
- Zero Nevada state income tax — five-figure annual savings versus California
- 12-minute airport commute — the best airport access in south Reno
- Historic Steamboat Hot Springs on the doorstep — Reno's only operating geothermal hot springs
- Many established homes carry no HOA — lower monthly costs than master-plan competitors
- Adjacent to Damonte Ranch trails and Town Center without mandatory Damonte Ranch HOA
- Washoe County schools including 8/10 Damonte Ranch Elementary and High
- Lake Tahoe accessible in 45 minutes via US-50
- Property taxes capped at 3% annual growth under Nevada law
Honest Considerations
- Not a master-planned community — less uniform street amenities and common-area maintenance than Damonte Ranch or Somersett
- Some Steamboat properties are established and may need updating — inspection is especially important here
- School assignments vary by exact address — verify WCSD zone at your specific street before closing
- No community golf course or resort-style clubhouse — buyers prioritizing those amenities should look at Somersett or Lakeridge
- South Virginia Street commercial corridor creates moderate traffic noise on the western edge of the neighborhood
Neighborhood Comparison
How Does Steamboat Compare to Other South Reno Neighborhoods?
A like-for-like comparison of the five most-searched south Reno communities — median price, price per square foot, days on market, HOA, and lifestyle fit — using active-listing data refreshed monthly via Reno/Sparks Association of REALTORS and NNRMLS. Prices span $490K in the Steamboat area to $745K in the South Reno / Galena corridor.
| Submarket | Median Price | $ / Sq Ft | Days on Market | Active Listings | Best For |
|---|---|---|---|---|---|
| Steamboat | $620,000 | ~$290 | 45 | 38 | Airport access · Character · No HOA |
| Damonte Ranch | $565,000 | ~$290 | 28 | 72 | Families · Master plan · Trails |
| Talus Valley | $610,000 | ~$295 | 38 | 18 | Views · Newer homes · Quiet |
| South Meadows | $545,000 | ~$280 | 30 | 54 | Value · Established · Retail |
| South Reno (Galena) | $745,000 | ~$355 | 40 | 48 | Luxury · Top schools · Foothills |
Source: Reno/Sparks Association of REALTORS and NNRMLS data, June 2026. Median prices based on active listings; days on market from closed sales.
Community Deep Dive
What's Inside Each South Reno Community?
Submarket 1
Steamboat
South Reno's historic hot-springs neighborhood — established character, 12-minute airport commute, and no mandatory HOA on many homes, immediately adjacent to Damonte Ranch amenities.
Browse Steamboat homes →$620KMedian Price
45Days on Market
38Active Listings
~$290Price / Sq Ft
Submarket 2
Damonte Ranch
South Reno master-planned community with wetlands trails, parks, Town Center retail, and 8/10-rated schools — the most active south Reno market with a dedicated HOA structure.
Browse Damonte Ranch homes →$565KMedian Price
28Days on Market
72Active Listings
~$290Price / Sq Ft
Submarket 3
Talus Valley
A quieter south Reno community with newer single-family construction, foothill views, and a residential feel slightly removed from the South Virginia corridor.
Browse Talus Valley homes →$610KMedian Price
38Days on Market
18Active Listings
~$295Price / Sq Ft
Submarket 4
South Meadows
Established south Reno neighborhood with a broad mix of homes from the 1990s-2000s, strong retail access on the South Meadows Pkwy corridor, and value pricing under $600K.
Browse South Meadows homes →$545KMedian Price
30Days on Market
54Active Listings
~$280Price / Sq Ft
Submarket 5
South Reno (Galena)
Upper south Reno foothills with the 9/10 Galena High School, ArrowCreek access, and larger estate-style homes — the move-up destination for buyers who outgrow Damonte Ranch.
Browse South Reno (Galena) homes →$745KMedian Price
40Days on Market
48Active Listings
~$355Price / Sq Ft
Submarket 6
Damonte Ranch (Adjacent to Steamboat)
Steamboat's immediate neighbor to the north — a master-planned community with wetlands trails, parks, Town Center retail, and Damonte Ranch High (8/10). Median $565K with a formal HOA structure ($50-$150/month). Buyers comparing Steamboat vs. Damonte Ranch often make their decision on HOA preference and character.
Browse Damonte Ranch (Adjacent to Steamboat) homes →$565KMedian Price
28 daysMedian DOM
WetlandsTrails & Parks
8/10Damonte Ranch HS
Where Is Steamboat on the Map?
Steamboat sits in south Reno (ZIP 89521) along South Virginia Street and the I-580 corridor. Damonte Ranch is immediately adjacent to the north. Reno-Tahoe International Airport is 12 minutes north via I-580. Downtown Reno is 18 minutes north. Lake Tahoe is 45 minutes south via US-50.
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BY ZIP CODE
What Does the Market Look Like in ZIP 89521?
ZIP 89521 covers Steamboat, Damonte Ranch, South Meadows, and the broader south Reno corridor. The table below puts the ZIP in context against neighboring Reno ZIP codes — median price, price per square foot, days on market, active inventory, and year-over-year price growth — using Northern Nevada Regional MLS data.
| ZIP | Primary Area | Median Price | $ / Sq Ft | Days on Market | Active | YoY |
|---|---|---|---|---|---|---|
| 89521 | Steamboat · Damonte Ranch · South Meadows | $620K | ~$290 | 45 | 172 | +2.0% |
| 89511 | South Reno · Galena · ArrowCreek | $745K | ~$355 | 40 | 268 | +2.8% |
| 89523 | Somersett · Northwest Reno | $620K | ~$315 | 32 | 210 | +1.9% |
| 89519 | Old Southwest · Caughlin Ranch | $725K | ~$340 | 36 | 142 | +3.1% |
| 89509 | Midtown · Central · Lakeridge | $520K | ~$310 | 34 | 174 | +1.5% |
| 89506 | North Valleys · Sky Vista | $440K | ~$255 | 30 | 188 | +0.8% |
Source: Reno/Sparks Association of REALTORS and NNRMLS. Medians from active listings; YoY from closed sales, 2026 vs 2025 year-to-date. Per-sqft figures approximate. ZIP boundaries per Washoe County GIS.
New Construction
Who Are the Builders Near Steamboat?
New construction in the Steamboat corridor is mainly available through adjacent Damonte Ranch phases immediately to the north. Builders including D.R. Horton, Toll Brothers, and regional Nevada builders have active phases in ZIP 89521 and surrounding south Reno areas. Call Nevada Real Estate Group at (775) 277-2120 to find current phases, pricing, and builder incentives available near Steamboat.
Outdoor Recreation
What Outdoor Amenities Does Steamboat Offer?
Steamboat is anchored by the historic Steamboat Hot Springs and backed by the open Steamboat Hills, with Lake Tahoe 45 minutes south and Damonte Ranch wetlands trails immediately adjacent. The City of Reno maintains additional south Reno parks and open space, with Galena Creek Recreation Area accessible within 25 minutes.
ON-SITE
Steamboat Hot Springs
Geothermal complexTherapeutic soakingDay use fee
Nevada's only operating geothermal hot springs — a historic landmark where natural mineral pools have drawn visitors since the 1850s, open to the public for day soaking.
7 MIN
Damonte Ranch Wetlands Trails
Miles of pathsWalking · Running · BirdingFree
Paved and unpaved wetlands paths through the Damonte Ranch master plan, connecting parks, open space, and the Town Center retail area — no HOA needed to access.
ON-SITE
Steamboat Hills Open Space
Open foothillsHiking · ViewsFree
The Steamboat Hills backdrop provides informal hiking and open-space access east of the neighborhood, with views of the south Reno valley floor.
40 MIN
Mt. Rose Ski Tahoe
1,200 acresSkiing · SnowboardingTicketed
The closest major ski resort to south Reno, with the highest base elevation at Lake Tahoe and dependable deep Sierra snow from November through April.
45 MIN
Lake Tahoe (south shore)
191 sq miBoating · Beaches · SkiingFree shoreline
South Lake Tahoe via US-50 — public beaches at South Shore and Camp Richardson, marinas, Heavenly Mountain Resort, and a dozen surrounding ski options within one drive.
25 MIN
Galena Creek Recreation Area
230+ acresHiking · PicnicsFree
Forested Sierra trails and a visitor center on the Mt. Rose Highway — the closest wilderness trailhead to south Reno neighborhoods like Steamboat.
22 MIN
Rancho San Rafael Park
595 acresTrails · Events · ArboretumFree
Reno's flagship regional park, home to the Great Reno Balloon Race and the Wilbur D. May Arboretum.
The Steamboat Lifestyle
What Does a Weekend in Steamboat Look Like?
Two Sierra experiences within 45 minutes of the driveway: morning soak at the historic Steamboat Hot Springs per the City of Reno, an afternoon walk on Damonte Ranch wetlands trails, and evening dinner in Midtown Reno — or head south on US-50 for a South Lake Tahoe Saturday.
300+Days of Sun
45 minTo Lake Tahoe
12 minTo Airport
4,400 ftElevation
THIS WEEKEND'S OPEN HOUSES
Can You Tour Steamboat Area Homes This Weekend?
Most Steamboat sellers schedule weekend open houses Friday through Sunday, with the freshest listings hitting mid-week. Established homes often allow self-directed tours; newer south-valley builds near Damonte Ranch may have model homes open by appointment. Set up instant alerts for your price range, or browse active listings now.
Planning a move
What Should I Verify Before Moving to Steamboat?
Build a budget around the particular home and your circumstances. Obtain current financing terms, property records and service quotes before comparing the cost of a move. A community average cannot establish your tax bill, insurance premium, association charges or savings.
Review taxes for your circumstances
Ask a tax adviser to review income sources, residency dates and any continuing connections to another state. California-source income can remain taxable after a move; the Franchise Tax Board explains part-year and nonresident rules. A headline tax-rate comparison does not calculate your savings.
Get the exact parcel's current tax bill and assessment record from its county. Confirm the property's abatement status and any effect of new construction, a change in use or your circumstances with the assessor. Do not apply a community-wide percentage to a purchase price or assume a tax cap is automatic.
Compare written costs and property requirements
Use lender estimates, insurance quotes, association documents and utility information for the exact address. Include maintenance, moving expenses and any special assessments in the comparison. Renting and buying involve different costs and obligations; future equity or resale gains are not assured.
Check school assignments for the enrollment year and ask about choice-program applications. Investigate parcel-specific hazards and permitted uses with the responsible agencies. Review travel routes and the features that matter to you instead of relying on a broad safety score or a neighborhood recommendation based on household type.
Discuss the homes, budget and timing you want to evaluate with the team.
Explore relocation planningRELOCATION TIMELINE
How to Relocate to Steamboat in 8 Steps
Plan the purchase and move around your circumstances and the property's verified requirements. Coordinate the transaction, possession and moving arrangements with the relevant parties. For license and vehicle questions, consult the Nevada DMV new-resident guide. Confirm your own deadlines and any exemptions directly with the agency.
Define your property and location needs
Compare homes using your budget, accessibility needs, desired features and travel routes. Evaluate the particular property and surroundings using your own priorities; a neighborhood label does not establish its suitability.
Confirm financing and the full ownership budget
Ask a lender for terms based on your circumstances and the property. Obtain the parcel tax record, insurance quotes, association charges and other recurring costs; a community-wide estimate cannot establish your payment or approval.
Agree on representation and the search process
Discuss services, compensation, communication and touring arrangements with the agent. Confirm the details in the applicable agreement before relying on a promised service or access to a property.
Investigate the exact address
Check school assignments with the district for the enrollment year and ask about separate program applications. Review parcel-specific flood, wildfire, utility, zoning and intended-use questions with the relevant agencies and service providers.
Review the offer and its deadlines
Discuss price, deposit, contingencies and the proposed schedule with your agent and lender. The signed contract determines the transaction deadlines; market averages do not promise when an offer will be accepted or a purchase will close.
Review inspections and property documents
Arrange appropriate inspections and review disclosures, title information, association documents and financing conditions. Investigate unresolved findings with the relevant specialist before the contractual decision deadlines.
Coordinate services and moving arrangements
Verify which utilities serve the address, what deposits or appointments are required, and when service can begin. Coordinate access and the moving date with the agreed possession terms and any building or association requirements.
Confirm possession and new-resident requirements
Confirm completion and possession with the closing parties before arranging access. Consult the Nevada DMV's current new-resident guide for license, registration, documentation and exemption requirements that apply to you.
ECONOMY & JOBS
What Drives the Economy Near Steamboat?
Steamboat residents tap into the Reno-Sparks MSA job base — advanced manufacturing, healthcare, data centers, and higher education. According to the U.S. Bureau of Labor Statistics, MSA unemployment runs near historic lows, driven by Tesla, Switch, and Panasonic at the Tahoe-Reno Industrial Center (35 min via I-80) and Renown Health and UNR downtown (18 min via I-580).
~$78,000Median household income, ZIP 89521U.S. Census ACS estimate
TRI CenterTesla · Switch · Panasonic35 min via I-80 east
18 minTo downtown Reno employersVia I-580 north
12 minTo Reno-Tahoe International AirportVia I-580 north
Top Reno-Area Employers (Commutable from Steamboat)
- Tesla Gigafactory NevadaBattery & EV manufacturing, Tahoe-Reno Industrial Center (~35 min via I-80)
- Renown HealthNorthern Nevada's largest healthcare system, downtown Reno (~18 min via I-580)
- University of Nevada, RenoR1 research university, north campus (~22 min via I-580)
- SwitchHyperscale data centers, Tahoe-Reno Industrial Center (~35 min)
- Panasonic EnergyBattery manufacturing partner, TRI Center (~35 min)
- Washoe County School DistrictSchools across Reno and Sparks, including Damonte Ranch Elementary and High in ZIP 89521
Sources: U.S. Bureau of Labor Statistics, Nevada State Demographer. Last updated June 2026.
COMMUNITY COMPARISON
How Does Steamboat Compare to Damonte Ranch, South Meadows & Galena?
Choosing between south Reno neighborhoods? This table compares Steamboat (median $620K, 12-min airport, no required HOA), Damonte Ranch ($565K, master plan HOA, 8/10 schools), South Meadows ($545K, value, established), and South Reno Galena ($745K, 9/10 schools, foothills). Metrics are from RSAR, the U.S. Census, and BLS Reno-Sparks MSA.
| Metric | Steamboat | Damonte Ranch | South Meadows | South Reno (Galena) |
|---|---|---|---|---|
| Median List Price | $620K | $565K | $545K | $745K |
| Price / Sq Ft | ~$290 | ~$290 | ~$280 | ~$355 |
| Days on Market | 45 | 28 | 30 | 40 |
| HOA / Month | $0-$150 | $50-$150 | $0-$100 | $100-$300+ |
| Airport (Reno-Tahoe Intl) | 12 min | 15 min | 18 min | 20 min |
| New Construction Nearby | Adjacent phases | Active phases | Limited | Limited |
| Best For | Airport · Character · No HOA | Families · Master plan | Value · Established | Luxury · Top schools |
Sources: Reno/Sparks Association of REALTORS, U.S. Census ACS. Last updated June 2026.
Cost of Ownership
What Will Steamboat Cost You Each Month?
Build a property-specific budget using a lender quote, the parcel tax estimate, insurance quotes and association documents. The starting amounts below are editable illustrations, not current local rates or verified fees. Compare the result with your Loan Estimate, and budget separately for maintenance, utilities and closing costs.
Illustrative Payment Estimator
Estimate Your Steamboat Payment
$4,595
Illustrative Monthly Payment
- Principal & Interest$3,712
- Property Tax$300
- Insurance$150
- HOA$200
- PMI$233
Inputs are assumptions, not a loan offer, insurance quote or parcel tax calculation. This simplified fixed-rate example applies the selected PMI rate below 20% down; actual mortgage-insurance eligibility, cost and cancellation depend on the loan. Maintenance, utilities, closing costs and special assessments are additional. Review the CFPB housing budget guide and confirm amounts with the relevant providers.
BUYING AND RENTING
How should you compare buying with renting?
Compare actual homes that meet the same needs over your expected time in the area. A purchase price and an advertised rent alone do not establish which option costs less. Use current quotes and separate monthly cash flow, upfront cash, and the amount you might recover when moving.
Purchase worksheet
Start with the down payment, lender and closing charges, and any immediate repairs. Add principal and interest, property taxes, insurance, mortgage insurance where applicable, association dues, utilities and ongoing maintenance. Identify expenses paid outside escrow so they are included in your household budget.
For a later sale, model the remaining loan balance and selling expenses. Appreciation is uncertain; compare unchanged-price and lower-price cases as well as any growth assumption. Principal repayment builds an ownership interest, but that does not guarantee a profit or make every cash payment recoverable.
Rental worksheet
Use an actual lease offer and confirm the term, deposit, renewal provisions, parking, pet charges, utilities and renter's insurance. Record which maintenance services are included and any costs or restrictions associated with an early move. An advertised starting rent may not include every required charge.
Keep the comparison consistent: use the same time period, household needs and moving assumptions. Include the cash that remains available when a down payment is not used, without assuming a guaranteed investment return. Your need for flexibility and responsibility for repairs also matter alongside the financial figures.
Use scenarios rather than a promised break-even date
There is no verified community-wide holding period or five-year equity gain shown here. Ask your lender to explain financing assumptions and have a tax professional assess any claimed tax benefit for your circumstances. Keep a copy of the quotes and dates so you can update the comparison before making an offer.
PROPERTY-SPECIFIC ASSOCIATION COSTS
Which HOA charges apply to this address?
A community name does not establish a property's current dues or all the associations that govern it. Obtain the applicable resale package, budget and governing documents for the exact address. Confirm the effective date and payment frequency of each fee with the association or its manager.
Recurring charges
Identify master and sub-association dues separately. Check whether utilities, exterior maintenance, insurance, amenities or club access are included, optional or billed separately. A listing's monthly figure may omit a quarterly or annual charge, and an advertised amenity does not establish membership rights.
Closing and special charges
Ask about transfer, document, capital-contribution and other transaction fees, as well as approved or proposed assessments. Confirm who pays each item under the contract. Review available reserve and budget information; historical dues are not a guarantee of future charges.
Rules and access
Verify the actual rules for leasing, pets, parking, property changes and amenity access. Age restrictions and gate staffing require their own current documentation. Do not assume neighboring subdivisions or similarly named communities have identical rules, services or fees.
COMMUTE & TRANSPORTATION
How Easy Is Getting Around from Steamboat?
From Steamboat's South Virginia Street corridor, I-580 north is under 5 minutes, putting downtown Reno and the airport within 12-18 minutes. Most residents drive — mean commutes in ZIP 89521 run near 20 minutes per U.S. Census ACS data — well below Bay Area averages most relocators leave behind.
Drive Times from Steamboat
- 12 minReno-Tahoe Intl AirportVia I-580 north
- 18 minDowntown RenoVia I-580 north to US-395
- 7 minDamonte Ranch Town CenterVia S Virginia St north
- 40 minMt. Rose Ski TahoeVia NV-431 (Mt. Rose Hwy)
- 45 minLake Tahoe (south shore)Via US-50 east then south
- 35 minTahoe-Reno Industrial CenterVia I-580 north to I-80 east
- 28 minSparksVia I-580 north to I-80 east
- 35 minCarson CityVia US-395/I-580 south
Transportation Options
Drive times based on average non-rush-hour conditions. Sources: Google Maps traffic data, RTC Washoe.
Quick Answer
How long does it take to close on a home in Steamboat?
Most Steamboat purchases close in 30-45 days. Cash offers can close in 7-14 days. Financed purchases run 30-45 days from accepted offer. Established homes may have title complexity from older surveys or easements — allow an extra week for title work on properties built before 1990. The biggest delays in this price band are appraisal turnaround and lender underwriting conditions.
Quick Answer
What credit score do you need to buy a home in Steamboat?
Conventional loans generally want 620+; FHA allows 580+ with 3.5% down for eligible buyers. Jumbo financing — required above $766K on larger Steamboat or Steamboat Hills-area homes — typically requires 700+ with 20% down and reserves of 12+ months. The spread between a 680 and a 760 score can exceed $350/month on an $800K purchase, so improving credit before applying pays off measurably.
Steamboat FAQ — 18 Answers
What Do Steamboat Buyers Most Frequently Ask?
Most AskedWhat is the median home price in Steamboat?
The median asking price for a home in the Steamboat area is about $699,975 per Northern Nevada Regional MLS data for ZIP 89521, at roughly $290 per square foot. Entry-level established single-family homes start near $500K, mid-range newer construction homes cluster from $600K to $750K, and larger properties near Steamboat Hills or the Damonte Ranch corridor can reach $850K and above.
What makes Steamboat different from other south Reno communities?
Steamboat is south Reno's only neighborhood anchored by a working geothermal hot springs — Steamboat Hot Springs, a Nevada state historic landmark that has drawn visitors since the 1850s. The area blends established single-family homes with newer south-valley subdivisions immediately adjacent to the Damonte Ranch master plan's wetlands trails, parks, and Town Center, giving residents both historical character and modern suburban convenience.
Are there HOA fees in the Steamboat area?
HOA fees in the Steamboat area vary widely by neighborhood. Established homes along South Virginia Street and the older Steamboat corridors often carry no HOA or low-maintenance dues under $100 per month. Newer subdivisions tied to the Damonte Ranch corridor typically run $50-$150 per month. Always request the full dues statement, transfer fees, and any pending special-assessment disclosures before writing an offer.
Is Steamboat a safe area in south Reno?
Steamboat sits in south Reno's generally quieter suburban corridor. According to City of Reno Police and FBI Uniform Crime Reporting data, south Reno property crime rates run below metro Reno averages. The area's position along the South Virginia Street and I-580 corridor keeps it well-lit and active, and the proximity to Damonte Ranch's HOA-maintained neighborhoods adds a further layer of community oversight nearby.
What schools serve the Steamboat area?
Steamboat falls within the Washoe County School District. Elementary-aged students typically attend Damonte Ranch Elementary (GreatSchools 8/10) or Pine Middle School feeder zones, with Damonte Ranch High School (8/10) serving the corridor. Several families also draw on private options including Bishop Manogue High School, accessible within 20 minutes. Confirm your specific address assignment with WCSD before closing.
How long does it take to get from Steamboat to downtown Reno?
From Steamboat's South Virginia Street and I-580 access point, downtown Reno is about 18 minutes in typical traffic via I-580 north. Reno-Tahoe International Airport is roughly 12 minutes away — closer than from most south Reno communities because the airport sits just north of the I-580 corridor. Lake Tahoe's south shore is about 45 minutes via US-50.
What is the average days on market in the Steamboat ZIP code?
Homes in ZIP 89521 typically sell in about 63 days from list to accepted offer per NNRMLS data, which tracks near the broader south Reno corridor median. Move-in-ready single-family homes in the $550K-$700K band tend to go pending within three to four weeks. Larger or more custom properties near Steamboat Hills may take six to eight weeks as the buyer pool for that specific niche narrows.
What amenities does the Steamboat area offer residents?
Steamboat's signature amenity is Steamboat Hot Springs itself — the only operating geothermal hot springs in Reno, open to the public for therapeutic soaking. Residents also tap into the adjacent Damonte Ranch master plan's wetlands trails, bike paths, and Damonte Ranch Town Center for dining and daily shopping. South Virginia Street's commercial corridor puts major grocers, restaurants, and services within 10 minutes.
Are there new construction homes available near Steamboat?
New construction in the Steamboat area is mainly channeled through Damonte Ranch phases immediately adjacent to the ZIP 89521 corridor. Builders including D.R. Horton, Toll Brothers, and regional Nevada builders have active phases in this south Reno zone. Call Nevada Real Estate Group at (775) 277-2120 to learn which phases are currently selling and whether builder rate-buydown incentives are available.
What are property taxes like in the Steamboat area?
Property taxes follow Washoe County's effective rate of roughly 0.5-0.7% of assessed value. Nevada caps annual increases on a primary residence at 3% under Nevada Revised Statutes 361.471. On a $700K Steamboat home, the annual tax bill typically runs $3,100-$4,340 depending on assessed value. Paired with Nevada's zero state income tax, carrying costs are well below California equivalents at every income level.
Is Steamboat a good area for families?
Yes — Steamboat and the broader ZIP 89521 corridor are family-friendly, with Washoe County School District schools serving the area, bike paths and wetlands trails via adjacent Damonte Ranch, and south Reno retail within minutes. Damonte Ranch Elementary and Damonte Ranch High School are both well-rated, and the I-580 corridor keeps the commute to downtown Reno employers manageable at 18 minutes.
How does Steamboat compare to Damonte Ranch?
Damonte Ranch is a formal master-planned community with its own HOA, planned parks, and the Town Center retail hub — median prices around $565K and tightly managed common areas. Steamboat is a looser adjacent neighborhood that blends established character with newer south-valley subdivisions, often at comparable price points but without the uniform master-plan HOA structure. Buyers who want master-plan amenities without committing to HOA dues often look at both before deciding.
What are crime rates like in the Steamboat corridor?
The Steamboat area runs a favorable crime profile compared to central Reno. According to City of Reno Police and FBI Uniform Crime Reporting data, south Reno property crime rates are below the city average, and the area benefits from active south-corridor patrol coverage and the community-watch culture of the adjacent Damonte Ranch neighborhood. Standard suburban precautions — garage doors down, porch lighting — address virtually all remaining risk.
What types of homes are available in the Steamboat area?
The Steamboat ZIP 89521 corridor offers established single-family homes from the $500Ks, mid-range newer construction from $600K to $750K, and larger south Reno properties approaching $850K near the Steamboat Hills backdrop. Floor plans range from 1,200 sq ft starter homes to 3,500+ sq ft newer builds. There's no dominant master-plan builder — the mix includes production tracts, spec homes, and older custom builds side by side.
What should I know before buying in the Steamboat area?
Verify school assignments by street address before closing, since the ZIP 89521 corridor spans multiple elementary zones. Budget for HOA dues only if buying inside a sub-planned subdivision — many Steamboat-area homes carry no HOA. Confirm whether any property near Steamboat Hills falls within a wildfire defensible-space overlay. Get pre-approved before touring; most sellers in this price band require a lender letter at showing.
What is the minimum down payment to buy in the Steamboat area?
Most Steamboat buyers put down 10%-20%. Conventional loans start at 3% for qualified first-time buyers (580+ credit); FHA allows 3.5%. At the $700K ZIP 89521 median, 10% down is $62,000 and 20% is $124,000. Jumbo financing kicks in above $766K for larger or newer homes near the Steamboat Hills. Lenders typically want 20% down and a 700+ credit score on jumbo loans in this band.
Is Steamboat better for buyers than Damonte Ranch?
It depends on priorities. Damonte Ranch has a formal master-plan HOA, planned amenities, and the Town Center retail hub, with median prices around $565K. Steamboat offers a looser neighborhood mix — sometimes no HOA — at comparable pricing, with the historic Steamboat Hot Springs character as a unique differentiator. Both share the same Washoe County school zone and I-580 access. Tour both before deciding; they sit less than 10 minutes apart.
How does Nevada compare to California for taxes if I move to Steamboat?
Nevada has zero state income tax versus California's top rate of 13.3% per the California Franchise Tax Board. A household earning $300,000 annually saves roughly $25,000-$39,900 per year in state income taxes by moving to Steamboat from California. Washoe County property taxes run 0.5-0.7% of assessed value, capped at 3% annual growth on a primary residence — typically lower than comparable California counties at the same home value.
Updated September 2026
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PEOPLE ALSO ASK
What Else Do People Ask About Steamboat?
These are the questions Steamboat buyers type into Google and AI assistants — each answered with verifiable specifics: prices from the Reno/Sparks Association of REALTORS, school ratings from GreatSchools, tax figures from the Washoe County Assessor, and historical context from the Nevada State Historic Preservation Office — so every answer cites a named primary source.
What is Steamboat Hot Springs?
Steamboat Hot Springs is a geothermal hot springs complex in south Reno, named for the steam-venting natural springs along South Virginia Street. It is the only operating geothermal hot springs in Reno and holds Nevada State Historic Landmark status, having drawn visitors for therapeutic soaking since the 1850s. Mark Twain wrote about the springs during his Nevada Territory years.
Is Steamboat part of Damonte Ranch?
No — Steamboat is an adjacent south Reno neighborhood, not part of the Damonte Ranch master-planned community. Steamboat homes generally don't carry the Damonte Ranch HOA, but residents have informal access to adjacent trails and the Damonte Ranch Town Center retail corridor. The two areas share ZIP code 89521 and the same WCSD school assignments.
Does Steamboat have good schools?
Damonte Ranch Elementary (8/10 GreatSchools) and Damonte Ranch High School (8/10) are the primary assigned schools for most Steamboat addresses. Families prioritizing a 9/10 school zone may also consider Galena High School (9/10) via open enrollment, or private options like Bishop Manogue (9/10) and Sage Ridge School (9/10), both within 20 minutes.
How close is Steamboat to the Reno airport?
Steamboat is the closest south Reno neighborhood to Reno-Tahoe International Airport — approximately 12 minutes north via I-580. This is a significant advantage for business travelers and frequent flyers compared to other south Reno addresses like Galena or South Meadows, which run 18-22 minutes.
Is Steamboat a good investment area?
ZIP 89521 has posted approximately 2.0% year-over-year price growth through 2026 per NNRMLS data, supported by Reno-Sparks MSA employment growth and California in-migration. The area lacks the master-plan premium of Damonte Ranch or Somersett but compensates with a mix of established homes (often no HOA) and newer construction. Buyers who correctly time the Damonte Ranch adjacency and airport-access premium have seen strong equity appreciation.
What ZIP code is Steamboat in?
Steamboat is in ZIP code 89521, which covers the broader south Reno corridor including Damonte Ranch, South Meadows, and Talus Valley. The median list price in 89521 is about $699,975 per Northern Nevada Regional MLS data as of September 2026.
Are there hot springs at Steamboat Reno?
Yes — Steamboat Hot Springs on South Virginia Street is a working geothermal hot springs open to the public for day soaking. The mineral pools are fed by natural geothermal activity below the Steamboat Hills and have been used for therapeutic purposes since the 1850s. It remains the only operating hot springs in the greater Reno area.
How does Steamboat compare to South Meadows?
Steamboat ($700K median, 45 days on market) and South Meadows ($545K median, 30 days) are neighboring south Reno neighborhoods in the same ZIP. South Meadows tends to sell faster at a slightly lower median price. Steamboat has the unique Steamboat Hot Springs character and the 12-minute airport advantage; South Meadows has stronger master-plan retail proximity on the South Meadows Pkwy corridor.
WHY NEVADA REAL ESTATE GROUP
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Direct knowledge of south Reno neighborhoods including the Steamboat corridor, 150+ licensed agents statewide, and 9,061+ verified five-star reviews. With 9,600+ closed transactions and $4.85B+ in total volume since 2011, Nevada Real Estate Group ranks #1 in Nevada — and that reach covers every price tier from established Steamboat homes to luxury builds near Steamboat Hills.
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Tell the team about your preferred area, budget, timing and property requirements. Ask about representation and the records needed to evaluate a particular home. Review current listings, comparable sales and the written terms of any services before deciding how to proceed. Contacting the team does not guarantee a purchase, sale price or response deadline.
NEARBY COMMUNITIES
Which Communities Are Near Steamboat?
Compare Steamboat with neighboring south Reno communities. Each card pairs the drive time with the community's median price and character, so you can judge whether an adjacent south Reno ZIP buys you more home for the money — or a lifestyle trade-off worth a few extra minutes on I-580.
More Reno communities
- Caramella Ranch
- Damonte Ranch
- Pleasant Valley
- ArrowCreek
- Esplanade at Damonte Ranch
- South Meadows
- Double Diamond
- Saddlehorn
- Montreux
- Talus Valley
- Galena Forest
- St. James's Village
Shopping the whole city? Browse all Reno homes for sale — live MLS listings updated daily.
A-Z INDEX
Which Reno Neighborhoods Can You Explore A-Z?
Communities and neighborhoods within and around Reno — from ArrowCreek and Caughlin Ranch in the west foothills to Damonte Ranch and South Meadows in the south corridor. Every linked entry opens a dedicated page with current NNRMLS listings, price ranges, and community details.
R
KEEP LEARNING
What Else Should You Read About Steamboat and South Reno?
These guides extend the research most Steamboat buyers do next — comparing neighboring south Reno communities, understanding Reno's tax advantage, and exploring the full Reno market — each written from the same NNRMLS data and primary sources used throughout this page.
GUIDE
Damonte Ranch Community Guide
South Reno's flagship master plan — wetlands trails, Town Center retail, 8/10 schools, and what makes it Steamboat's most popular neighbor.
Read →GUIDE
Reno Market Hub
Truckee Meadows market data, neighborhood comparisons, and every Reno community page in one place.
Read →GUIDE
Talus Valley Community Guide
Newer south Reno single-family construction with foothill views and a quieter residential feel west of the I-580 corridor.
Read →RELOCATION GUIDE
Reno Relocation Guide 2026
The Northern Nevada move playbook — taxes, cost of living, and neighborhoods.
Read →LIVING GUIDE
Is Reno a Good Place to Live? 2026
Jobs, cost, weather, and lifestyle for anyone weighing a move to Reno.
Read →Sources & Methodology
Where Does This Steamboat Data Come From?
Every statistic on this page is sourced from a primary or government dataset, and we refresh these numbers monthly. The organizations below — from the U.S. Census Bureau to the Reno/Sparks Association of REALTORS — supply the underlying data; follow any link to verify a figure or pull deeper detail than we publish here.
- Reno/Sparks Association of REALTORS (RSAR) — Median sold price, days on market, list-to-sold ratio, monthly MLS statistics for ZIP 89521. rsar.realtor
- Northern Nevada Regional MLS (NNRMLS) — Active listings, inventory counts, price-per-square-foot, and community-level data. nnrmls.com
- U.S. Census Bureau — Population, demographics, household income, age distribution, and education attainment (ACS) for ZIP 89521. data.census.gov
- Nevada State Demographer — City and county population estimates and growth projections for the Reno-Sparks MSA. census.gov
- U.S. Bureau of Labor Statistics — Reno-Sparks MSA unemployment rate, employment by sector, and wage data. bls.gov/reno-sparks
- Washoe County Assessor — Property tax rates, assessed values, and parcel data for the Steamboat south Reno corridor. washoecounty.gov/assessor
- Washoe County School District — School assignments, enrollment, and district performance data for ZIP 89521 (Steamboat / Damonte Ranch corridor). washoeschools.net
- GreatSchools.org — K-12 school ratings, test scores, and student-teacher ratios for schools near Steamboat. greatschools.org
- Nevada Report Card — Official Nevada DOE school performance data cross-referenced with GreatSchools ratings. nevadareportcard.nv.gov
- FBI Uniform Crime Reporting (UCR) — Violent and property crime rates for the Reno metro, used in the safety section. fbi.gov/ucr
- Freddie Mac PMMS — Mortgage rate weekly survey used in the payment calculator and buy-vs-rent model. freddiemac.com/pmms
- Nevada Revised Statutes — Property tax cap (NRS 361.471) and Nevada residency / DMV deadlines cited in relocation guide. leg.state.nv.us/nrs
- California Franchise Tax Board — California's 13.3% top marginal income tax rate cited in the NV-vs-CA relocation comparison. ftb.ca.gov
Methodology: Listing data is sourced via Repliers IDX feed (Las Vegas MLS) and refreshed every 15 minutes. Demographic and economic data are pulled monthly via Census/BLS APIs. School data is refreshed quarterly. All comparisons are like-for-like (same metric, same time period).
Updated: September 2026 · Next update: October 15