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Best Mortgage Rates in Nevada — April 2026

Compare current Nevada mortgage rates across loan types. The average home price in Nevada is $440,000 with a property tax rate of 0.53%. Find the best rate for your Nevada home purchase or refinance.

Avg Home Price
$440,000
Property Tax Rate
0.53%
Median Income
$68,358
Population
3.2M

Current Nevada Mortgage Rates

Updated April 2026. Rates shown are averages — your rate depends on credit score, down payment, loan amount, and lender.

Loan TypeRateAPRMonthly P&I*
30-Year Fixed6.83%6.95%$2,301
20-Year Fixed6.60%6.70%$2,644
15-Year Fixed6.13%6.21%$2,994
10-Year Fixed5.93%6.00%$3,895
FHA 30-Year6.43%6.58%$2,208
VA 30-Year6.23%6.33%$2,162

*Monthly payment based on $352,000 loan (20% down on $440,000 avg home price). Does not include taxes or insurance.

Estimated Monthly Payment in Nevada

Full PITI breakdown for a $440,000 home with 20% down at 6.83%:

Principal & Interest$2,301
Property Taxes$194
Homeowners Insurance$128
Total Monthly (PITI)$2,624

Nevada First-Time Homebuyer Programs

Home Is Possible Program

The Nevada Housing Division offers programs to help first-time buyers in Nevada achieve homeownership. Benefits typically include:

  • Below-market interest rates for qualifying borrowers
  • Down payment assistance (up to 3-5% of purchase price)
  • Closing cost assistance programs
  • Homebuyer education and counseling
  • Compatible with FHA, VA, USDA, and conventional loans

Income limits, purchase price limits, and credit score requirements apply. Contact the Nevada Housing Division directly for current program details.

Popular Cities for Homebuying in Nevada

🏠Las Vegas
🏠Henderson
🏠Reno
🏠North Las Vegas
🏠Sparks

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Nevada Mortgage FAQs

What are current mortgage rates in Nevada?+
As of April 2026, average mortgage rates in Nevada are approximately 6.83% for a 30-year fixed, 6.13% for a 15-year fixed, and 6.43% for an FHA 30-year loan. Rates vary based on your credit score, down payment, loan amount, and lender. Use our mortgage calculator to estimate your specific payment.
How much house can I afford in Nevada?+
With the average home price of $440,000 in Nevada and a median household income of $68,358, affordability depends on your debt-to-income ratio, down payment, and current rates. A general rule is your monthly payment (including taxes and insurance) should not exceed 28-33% of gross income. At current rates, a $440,000 home with 20% down would cost approximately $2,624/month.
What is the property tax rate in Nevada?+
The effective property tax rate in Nevada averages 0.53%. On the average home price of $440,000, that's approximately $2,332 per year or $194/month. Property taxes are a significant part of your monthly housing cost and vary by county.
Are there first-time homebuyer programs in Nevada?+
Yes! Nevada offers the Home Is Possible Program through the Nevada Housing Division. This program typically provides below-market interest rates, down payment assistance, and closing cost help for qualifying first-time buyers. Income limits and property value caps apply. Contact the Nevada Housing Division for current program details and eligibility.
Should I get a 15-year or 30-year mortgage in Nevada?+
A 15-year mortgage in Nevada currently offers rates around 6.13% vs 6.83% for 30-year, saving you significantly on interest. On a $352,000 loan, the 30-year payment is $2,301/month while a 15-year is $2,994/month. Choose 15-year if you can afford the higher payment; choose 30-year for more cash flow flexibility.
What credit score do I need to buy a home in Nevada?+
In Nevada, conventional loans typically require a 620+ credit score, FHA loans require 580+ (or 500+ with 10% down), and VA loans have no official minimum but lenders usually want 620+. Higher credit scores get better rates — a score of 760+ qualifies for the best rates in Nevada, potentially saving thousands over the life of the loan. The Nevada Housing Division programs may have specific credit requirements.

Nevada Mortgage Tools

🏠Mortgage Calculator🔄Refinance Calculator🏡HELOC Calculator📖Mortgage Guide

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