Nevada Mortgage Calculator
Nevada has the 6th-lowest effective property tax rate of the 50 states at 0.50% — $1,812 less a year than the 0.91% state average on a $442,000 home. Homeowners insurance averages $1,774 a year, the 14th-lowest premium nationally and $946 less than the typical state.
All 17 Nevada counties use the $832,750 baseline conforming limit for 2026, so any one-unit loan above it is a jumbo loan. FHA limits run from $541,287 to $832,750 by county.
On a $442,000 home, property tax and insurance add $332 a month in Nevada, compared with $328 in Utah, $371 in Idaho, $372 in Arizona, $411 in California, $429 in Oregon.
Loan Parameters
Total Monthly Payment
$3,225
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$557,856
Total Cost
$1,099,044
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $31,855 | $4,018 | $27,838 | $2,864 | $393,782 | $48,218 |
| Year 2 | $31,855 | $4,309 | $27,546 | $2,864 | $389,473 | $52,527 |
| Year 3 | $31,855 | $4,622 | $27,233 | $2,864 | $384,851 | $57,149 |
| Year 4 | $31,855 | $4,958 | $26,897 | $2,864 | $379,893 | $62,107 |
| Year 5 | $31,855 | $5,318 | $26,537 | $2,864 | $374,576 | $67,425 |
| Year 6 | $31,855 | $5,704 | $26,151 | $2,864 | $368,872 | $73,128 |
| Year 7 | $31,855 | $6,118 | $25,737 | $2,864 | $362,754 | $79,246 |
| Year 8 | $31,855 | $6,562 | $25,293 | $2,864 | $356,191 | $85,809 |
| Year 9 | $31,855 | $7,039 | $24,816 | $955 | $349,153 | $92,847 |
| Year 10 | $31,855 | $7,550 | $24,305 | — | $341,603 | $100,397 |
| Year 11 | $31,855 | $8,098 | $23,757 | — | $333,505 | $108,495 |
| Year 12 | $31,855 | $8,686 | $23,169 | — | $324,819 | $117,181 |
| Year 13 | $31,855 | $9,317 | $22,538 | — | $315,502 | $126,498 |
| Year 14 | $31,855 | $9,993 | $21,862 | — | $305,509 | $136,491 |
| Year 15 | $31,855 | $10,719 | $21,136 | — | $294,790 | $147,210 |
| Year 16 | $31,855 | $11,497 | $20,358 | — | $283,293 | $158,707 |
| Year 17 | $31,855 | $12,332 | $19,523 | — | $270,961 | $171,039 |
| Year 18 | $31,855 | $13,227 | $18,628 | — | $257,733 | $184,267 |
| Year 19 | $31,855 | $14,188 | $17,667 | — | $243,546 | $198,454 |
| Year 20 | $31,855 | $15,218 | $16,637 | — | $228,328 | $213,672 |
| Year 21 | $31,855 | $16,323 | $15,532 | — | $212,005 | $229,995 |
| Year 22 | $31,855 | $17,508 | $14,347 | — | $194,497 | $247,503 |
| Year 23 | $31,855 | $18,779 | $13,076 | — | $175,717 | $266,283 |
| Year 24 | $31,855 | $20,143 | $11,712 | — | $155,574 | $286,426 |
| Year 25 | $31,855 | $21,606 | $10,250 | — | $133,969 | $308,031 |
| Year 26 | $31,855 | $23,174 | $8,681 | — | $110,794 | $331,206 |
| Year 27 | $31,855 | $24,857 | $6,998 | — | $85,937 | $356,063 |
| Year 28 | $31,855 | $26,662 | $5,193 | — | $59,276 | $382,724 |
| Year 29 | $31,855 | $28,598 | $3,257 | — | $30,678 | $411,322 |
| Year 30 | $31,859 | $30,678 | $1,181 | — | $0 | $442,000 |
Nevada mortgage data
- Typical home value
- $442,027
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.50%
- $2,210/yr on a $442,000 home
- Average homeowners insurance
- $1,774/yr
- $148/mo
- 2026 conforming loan limit
- $832,750
- 17 counties
- High-cost counties
- 0
- None — baseline limit statewide
- 2026 FHA loan limit (1-unit)
- $541,287 – $832,750
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Nevada?
Highest price where principal, interest, Nevada property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $146,000 | $14,600 | 33% |
| $75,000 | $1,750 | $230,000 | $23,000 | 52% |
| $100,000 | $2,333 | $313,000 | $31,300 | 71% |
| $125,000 | $2,917 | $397,000 | $39,700 | 90% |
| $150,000 | $3,500 | $481,000 | $48,100 | 109% |
| $200,000 | $4,667 | $649,000 | $64,900 | 147% |
| $250,000 | $5,833 | $816,000 | $81,600 | 185% |
Nevada mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Nevada property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,227 | $53,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,407 | $61,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,587 | $68,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,766 | $76,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,946 | $84,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,126 | $92,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,306 | $99,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,486 | $107,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,666 | $115,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,846 | $122,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,025 | $130,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,205 | $138,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,385 | $146,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,565 | $153,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,745 | $161,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,925 | $169,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,105 | $176,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,284 | $184,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,464 | $192,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,644 | $200,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,824 | $207,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,004 | $215,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,184 | $223,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,363 | $230,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,543 | $238,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,723 | $246,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,903 | $253,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,083 | $261,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,263 | $269,000 | Jumbo |
| $875,000 mortgage | $5,839 | $6,443 | $277,000 | Jumbo |
| $900,000 mortgage | $6,006 | $6,622 | $284,000 | Jumbo |
| $925,000 mortgage | $6,173 | $6,802 | $292,000 | Jumbo |
| $950,000 mortgage | $6,340 | $6,982 | $300,000 | Jumbo |
| $975,000 mortgage | $6,506 | $7,162 | $307,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $7,342 | $315,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $8,061 | $346,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $8,781 | $377,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $9,500 | $408,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,219 | $438,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,939 | $469,000 | Jumbo |
Loan programs compared in Nevada
$442,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $44,200 | $397,800 | — | $239 PMI | $3,225 | 7.488% |
| FHA | 3.5% · $15,470 | $433,994 | UFMIP $7,464 | $198 MIP | $3,426 | 7.761% |
| VA | 0% · $0 | $451,503 | Funding fee $9,503 | $0 | $3,345 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $88,400 | $353,600 | — | $0 | $2,692 | 7.030% |
Frequently asked questions
What is the monthly mortgage payment on a $442,000 home in Nevada?
$442,000 is the typical Nevada home value. With 10% down on a conventional loan, the estimated payment is $3,225 per month ($2,655 principal & interest, $184 property tax, $148 insurance, $239 PMI) at 7.03% for 30 years, including Nevada's 0.50% effective property tax rate.
What is the 2026 conforming loan limit in Nevada?
$832,750 for a one-unit home in all 17 counties. Larger loans are jumbo loans.
How much income do I need for a $442,000 home in Nevada?
About $139,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Nevada on a $100,000 salary?
About $313,000 with 10% down, keeping the payment (including Nevada property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Nevada home ($442,027) needs roughly $139,000 a year.
Explore related calculators
Nevada calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.