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Nevada mortgage calculator

Pre-filled for Nevada: the median home value ($455,000) and the state's effective property tax rate of 0.47%. Change anything to match your home.

Home price
Down payment$91,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$2,628.94

Loan $364,000 · 20% down

  • Principal & interest$2,300.73
  • Property tax$178.21
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$464,260
Total cost
$946,416
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 4,069, Interest 23,54012: Principal 4,341, Interest 23,2683: Principal 4,632, Interest 22,9774: Principal 4,942, Interest 22,66745: Principal 5,273, Interest 22,3366: Principal 5,626, Interest 21,9837: Principal 6,003, Interest 21,6068: Principal 6,405, Interest 21,20489: Principal 6,834, Interest 20,77510: Principal 7,291, Interest 20,31711: Principal 7,780, Interest 19,82912: Principal 8,301, Interest 19,3081213: Principal 8,857, Interest 18,75214: Principal 9,450, Interest 18,15915: Principal 10,083, Interest 17,52616: Principal 10,758, Interest 16,8511617: Principal 11,479, Interest 16,13018: Principal 12,247, Interest 15,36119: Principal 13,067, Interest 14,54120: Principal 13,943, Interest 13,6662021: Principal 14,876, Interest 12,73222: Principal 15,873, Interest 11,73623: Principal 16,936, Interest 10,67324: Principal 18,070, Interest 9,5392425: Principal 19,280, Interest 8,32926: Principal 20,571, Interest 7,03727: Principal 21,949, Interest 5,66028: Principal 23,419, Interest 4,1902829: Principal 24,987, Interest 2,62130: Principal 26,659, Interest 94830
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$4,069$23,540$359,931
2$4,341$23,268$355,590
3$4,632$22,977$350,959
4$4,942$22,667$346,017
5$5,273$22,336$340,744
Monthly payment$2,628.94

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Nevada at a glance

Effective property tax
0.47%
Rank (1 = highest)
45th of 51
Median home value
$455,500
Median tax bill
$2,143/yr

On the same $400,000 home, property tax in Nevada adds about $156.67/month, versus $296.67/month at the national rate.

Nevada mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$225,000$1,137.72$88.12$1,375.84
$350,000$1,769.79$137.08$2,056.87
$450,000$2,275.44$176.25$2,601.69
$675,000$3,413.17$264.37$3,827.54
$900,000$4,550.89$352.50$5,053.39

20% down, 6.5% 30-year fixed (example rate), 0.47% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Nevada.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Nevada figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Nevada?+

The effective property tax rate in Nevada is about 0.47% of home value a year (median taxes paid $2,143 on a median home worth $455,500). That's the 45th highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Nevada?+

For a $455,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $2,628.94 a month, including $178.21 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Nevada?+

To afford the median Nevada home ($455,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $133,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.