Home and mortgage

Nevada Mortgage Calculator

Your monthly mortgage payment in Nevada, with Nevada's effective property tax rate (0.47%) built in, at this week's average rate. The calculator starts at the state's median home value, $435,400.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$2,693.06The answer

Monthly payment

$2,693.06

A $435,000 home with 20% down ($348,000 borrowed) at 7.18% over 30 years costs about $2,693 a month: $2,357 principal and interest plus $336 of tax, insurance and dues.

Principal and interest: $2,357.47
Tax, insurance, PMI and HOA: $335.59
Total interest over the loan: $500,690

Amortization by year: $348,000 at 7.18%

Year	Interest	Principal	Balance
1	$24,875.50	$3,414.18	$344,585.82
2	$24,622.13	$3,667.55	$340,918.27
3	$24,349.96	$3,939.72	$336,978.55
4	$24,057.59	$4,232.09	$332,746.46
5	$23,743.52	$4,546.16	$328,200.30
6	$23,406.15	$4,883.53	$323,316.77
7	$23,043.74	$5,245.94	$318,070.84
8	$22,654.44	$5,635.24	$312,435.59
9	$22,236.24	$6,053.44	$306,382.16
10	$21,787.01	$6,502.67	$299,879.49
11	$21,304.45	$6,985.23	$292,894.26
12	$20,786.07	$7,503.61	$285,390.65
13	$20,229.22	$8,060.46	$277,330.19
14	$19,631.05	$8,658.63	$268,671.56
15	$18,988.49	$9,301.19	$259,370.37
16	$18,298.24	$9,991.44	$249,378.93
17	$17,556.77	$10,732.91	$238,646.02
18	$16,760.27	$11,529.40	$227,116.62
19	$15,904.67	$12,385.01	$214,731.61
20	$14,985.57	$13,304.11	$201,427.50
21	$13,998.27	$14,291.41	$187,136.09
22	$12,937.69	$15,351.99	$171,784.10
23	$11,798.41	$16,491.27	$155,292.84
24	$10,574.59	$17,715.09	$137,577.74
25	$9,259.94	$19,029.74	$118,548.00
26	$7,847.73	$20,441.95	$98,106.06
27	$6,330.72	$21,958.96	$76,147.10
28	$4,701.13	$23,588.54	$52,558.55
29	$2,950.61	$25,339.06	$27,219.49
30	$1,070.19	$27,219.49	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Nevada by home price (20% down, 7%, 30 years, 0.47% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$220,000	$1,171	$85	$1,423
$330,000	$1,756	$128	$2,051
$440,000	$2,342	$171	$2,679
$650,000	$3,460	$252	$3,879
$870,000	$4,631	$338	$5,135

How this calculator works

As the mortgage calculator, with Nevada's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $2,027 ÷ median value $435,400.

Questions people ask

What is the mortgage payment on a median home in Nevada?

On $435,400 with 20% down at 7% over 30 years: about $2,317 principal and interest and $169 of property tax, $2,653 a month with $2,000 a year of insurance.

What is the median home value in Nevada?

$435,400 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Nevada?

The effective rate is 0.47%, a median $2,027 a year. See Nevada's property tax page for every county we cover.

How much income do I need for a median Nevada home?

Under the 28% guideline, about $113,706 a year for the payment above; Nevada's median household income is $78,260.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.