Mortgage Rates in Caliente, Nevada — March 2026
Updated March 2026 | Based on Caliente market data and regional lending conditions
Caliente is a growing city in Nevada with a population of 1,130. The current 30-year fixed mortgage rate in Caliente is 6.85%, which is 0.2% above the national average. With a median home price of $301,000 and a 20% down payment of $60,200, homebuyers can expect a monthly principal and interest payment of approximately $1,578.
Current Mortgage Rates in Caliente, NV
Below are the current average mortgage rates available in the Caliente 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Caliente Housing Market Overview
The Caliente housing market reflects moderate demand with prices near the national average. The median household income in Caliente is $58,200, and the cost of living index is 100.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $74,186 to comfortably afford the median-priced home in Caliente, which exceeds the current median household income.
Monthly Payment Breakdown for Caliente
Based on the median home price of $301,000 with 20% down ($60,200), here is what you can expect to pay monthly in Caliente:
15-Year vs. 30-Year Mortgage in Caliente
Choosing a 15-year mortgage in Caliente at 6.07% instead of a 30-year at 6.85% would save you $200,700 in total interest over the life of the loan. However, your monthly payment would be $2,041 instead of $1,578 — an increase of $463 per month.
Calculate Your Caliente Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Caliente
What are the current mortgage rates in Caliente, NV?
As of March 2026, the average 30-year fixed mortgage rate in Caliente, Nevada is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Caliente?
Based on the median home price of $301,000 with 20% down, the estimated monthly mortgage payment in Caliente is $1,578 for principal and interest. Including property taxes of $153/month, the total monthly housing cost is approximately $1,731.
What income do I need to buy a home in Caliente?
Using the 28% rule, you would need an annual income of approximately $74,186 to afford the median-priced home in Caliente at $301,000. The median household income in Caliente is $58,200. This means most households would need to either earn above the median or consider homes below $301,000.
Is Caliente a good place to buy a home in 2026?
Caliente has a moderate cost of living with a cost of living index of 100.9 (national average = 100). The property tax rate in Nevada is 0.61%, which is below the national average. Caliente has a population of 1,130 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 Caliente, Nevada area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.