Mortgage Rates in Boulder City, Nevada — March 2026
Updated March 2026 | Based on Boulder City market data and regional lending conditions
Boulder City is a growing city in Nevada with a population of 15,977. The current 30-year fixed mortgage rate in Boulder City is 6.73%, which is 0.08% above the national average. With a median home price of $354,000 and a 20% down payment of $70,800, homebuyers can expect a monthly principal and interest payment of approximately $1,833.
Current Mortgage Rates in Boulder City, NV
Below are the current average mortgage rates available in the Boulder City area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Boulder City Housing Market Overview
The Boulder City housing market reflects moderate demand with prices near the national average. The median household income in Boulder City is $55,900, and the cost of living index is 100.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $86,143 to comfortably afford the median-priced home in Boulder City, which exceeds the current median household income.
Monthly Payment Breakdown for Boulder City
Based on the median home price of $354,000 with 20% down ($70,800), here is what you can expect to pay monthly in Boulder City:
15-Year vs. 30-Year Mortgage in Boulder City
Choosing a 15-year mortgage in Boulder City at 5.97% instead of a 30-year at 6.73% would save you $230,580 in total interest over the life of the loan. However, your monthly payment would be $2,385 instead of $1,833 — an increase of $552 per month.
Calculate Your Boulder City Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Boulder City
What are the current mortgage rates in Boulder City, NV?
As of March 2026, the average 30-year fixed mortgage rate in Boulder City, Nevada is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Boulder City?
Based on the median home price of $354,000 with 20% down, the estimated monthly mortgage payment in Boulder City is $1,833 for principal and interest. Including property taxes of $177/month, the total monthly housing cost is approximately $2,010.
What income do I need to buy a home in Boulder City?
Using the 28% rule, you would need an annual income of approximately $86,143 to afford the median-priced home in Boulder City at $354,000. The median household income in Boulder City is $55,900. This means most households would need to either earn above the median or consider homes below $354,000.
Is Boulder City a good place to buy a home in 2026?
Boulder City has a moderate cost of living with a cost of living index of 100.7 (national average = 100). The property tax rate in Nevada is 0.6%, which is below the national average. Boulder City has a population of 15,977 and offers a balanced lifestyle.
Mortgage Rates in Other Nevada Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Boulder City, Nevada area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.