FHA Loan Calculator — Nevada
On the typical Nevada home ($442,000), 3.5% down leaves a $426,530 base loan. The 1.75% upfront premium ($7,464) is financed, for a $433,994 loan, and annual MIP of 0.55% adds $198 a month for the life of the loan. Nevada FHA limits run $541,287–$832,750 by county.
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.
Loan Parameters
Total Monthly Payment
$3,426
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$608,614
Total Cost
$1,209,744
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $34,753 | $4,383 | $30,370 | $2,376 | $429,611 | $12,389 |
| Year 2 | $34,753 | $4,701 | $30,052 | $2,351 | $424,910 | $17,090 |
| Year 3 | $34,753 | $5,043 | $29,711 | $2,324 | $419,867 | $22,133 |
| Year 4 | $34,753 | $5,409 | $29,345 | $2,296 | $414,458 | $27,542 |
| Year 5 | $34,753 | $5,802 | $28,952 | $2,265 | $408,657 | $33,343 |
| Year 6 | $34,753 | $6,223 | $28,531 | $2,232 | $402,434 | $39,566 |
| Year 7 | $34,753 | $6,675 | $28,079 | $2,197 | $395,759 | $46,241 |
| Year 8 | $34,753 | $7,159 | $27,594 | $2,159 | $388,600 | $53,400 |
| Year 9 | $34,753 | $7,679 | $27,074 | $2,118 | $380,921 | $61,079 |
| Year 10 | $34,753 | $8,237 | $26,517 | $2,075 | $372,684 | $69,316 |
| Year 11 | $34,753 | $8,835 | $25,919 | $2,028 | $363,849 | $78,151 |
| Year 12 | $34,753 | $9,476 | $25,277 | $1,978 | $354,373 | $87,627 |
| Year 13 | $34,753 | $10,164 | $24,589 | $1,924 | $344,208 | $97,792 |
| Year 14 | $34,753 | $10,902 | $23,851 | $1,866 | $333,306 | $108,694 |
| Year 15 | $34,753 | $11,694 | $23,059 | $1,804 | $321,612 | $120,388 |
| Year 16 | $34,753 | $12,543 | $22,210 | $1,738 | $309,069 | $132,931 |
| Year 17 | $34,753 | $13,454 | $21,300 | $1,666 | $295,615 | $146,385 |
| Year 18 | $34,753 | $14,431 | $20,323 | $1,590 | $281,184 | $160,816 |
| Year 19 | $34,753 | $15,479 | $19,275 | $1,508 | $265,705 | $176,295 |
| Year 20 | $34,753 | $16,603 | $18,151 | $1,420 | $249,103 | $192,897 |
| Year 21 | $34,753 | $17,808 | $16,945 | $1,326 | $231,295 | $210,705 |
| Year 22 | $34,753 | $19,101 | $15,652 | $1,225 | $212,194 | $229,806 |
| Year 23 | $34,753 | $20,488 | $14,265 | $1,116 | $191,706 | $250,294 |
| Year 24 | $34,753 | $21,976 | $12,778 | $1,000 | $169,730 | $272,270 |
| Year 25 | $34,753 | $23,571 | $11,182 | $875 | $146,159 | $295,841 |
| Year 26 | $34,753 | $25,283 | $9,471 | $741 | $120,876 | $321,124 |
| Year 27 | $34,753 | $27,119 | $7,635 | $597 | $93,758 | $348,242 |
| Year 28 | $34,753 | $29,088 | $5,666 | $443 | $64,670 | $377,330 |
| Year 29 | $34,753 | $31,200 | $3,554 | $278 | $33,470 | $408,530 |
| Year 30 | $34,758 | $33,470 | $1,288 | $101 | $0 | $442,000 |
FHA Loan numbers for Nevada
- Typical Nevada home value
- $442,000
- 3.5% down ($15,470) · Zillow, August 31, 2026
- Loan amount
- $433,994
- Includes $7,464 financed UFMIP
- Estimated monthly payment
- $3,426
- APR 7.761%
- Nevada property tax
- 0.50%
- $184/mo
- Homeowners insurance
- $1,774/yr
- $148/mo
- Upfront MIP (1.75%)
- $7,464
- Financed into the loan
- Annual MIP
- 0.55%
- $198/mo in year 1 · life of loan
- Nevada FHA loan limit
- $541,287 – $832,750
- One-unit, by county
How much house can you afford in Nevada with an fha loan?
Highest price where principal, interest, Nevada property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $105,000 | $3,675 | 24% |
| $50,000 | $1,167 | $137,000 | $4,795 | 31% |
| $60,000 | $1,400 | $168,000 | $5,880 | 38% |
| $75,000 | $1,750 | $215,000 | $7,525 | 49% |
| $100,000 | $2,333 | $294,000 | $10,290 | 67% |
| $125,000 | $2,917 | $373,000 | $13,055 | 84% |
| $150,000 | $3,500 | $451,000 | $15,785 | 102% |
FHA vs other loan types 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 payment on a $442,000 home with an fha loan in Nevada?
Estimated $3,426 per month ($2,896 principal & interest, $184 property tax, $148 insurance, $198 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Nevada for 2026?
Between $541,287 and $832,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.