The calculator below is pre-filled with Clark County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Nevada's statewide figures.

Clark County at a glance

Effective property tax rate: 0.64% of home value / year
Median home price: $454,000
Homeowners insurance (avg/year): $1,776
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 32003. Full source list on /methodology.

Clark County, NV mortgage payment calculator

All-in cost first, always — pre-filled with Clark County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

Not your state? Find your calculator here.

Not sure what you can afford?

Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Nevada.

How much house can I afford in Nevada? →

Not sure where to start?

Continue calculating

Affordability calculator

Income, savings, and debts in — max home price and qualification signal out.

PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Closing Costs in Nevada: What You'll Actually Pay

Nevada's buyer closing-cost range is one of the country's tightest at 1.8%-2.8%, but on the $518,600 median home that's still $9,335 to $14,521 in cash.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Nevada at a glance

Median home price: $518,600
Typical closing costs: 1.8%–2.8% of price
Transfer tax: 0.39% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Nevada does not exempt a dollar amount of assessed value like FL/TX/PA. Instead, its primary owner-occupant protection is a property tax ABATEMENT that caps annual increases in the tax bill (not the assessed value itself) on an owner-occupied primary residence at 3% per year, versus up to 8% per year for other residential/commercial property — so even if a home's market value jumps 10% in a year, the property tax bill itself can rise by no more than 3%. Separately, Nevada's constitutional homestead law (NRS 115) protects up to $605,000 of home equity from most creditors' claims (a debtor-protection homestead declaration, distinct from the property-tax abatement) — filed with the county recorder, not automatic.

First-time buyer / down payment assistance programs

Home Is Possible (HIP) First-Time Homebuyers Program
Nevada Housing Division's primary down payment assistance program for first-time homebuyers (no home ownership in the prior 3 years) statewide: assistance of up to 4% of the total loan amount, structured as a 30-year, non-forgivable second loan at a fixed interest rate, usable for down payment and/or closing costs, paired with an FHA/VA/USDA/conventional first mortgage.