Mortgage Rates in Dayton, Nevada — March 2026
Updated March 2026 | Based on Dayton market data and regional lending conditions
Dayton is a growing city in Nevada with a population of 15,333. The current 30-year fixed mortgage rate in Dayton is 6.78%, which is 0.13% above the national average. With a median home price of $399,000 and a 20% down payment of $79,800, homebuyers can expect a monthly principal and interest payment of approximately $2,077.
Current Mortgage Rates in Dayton, NV
Below are the current average mortgage rates available in the Dayton 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 | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Dayton Housing Market Overview
The Dayton housing market reflects moderate demand with prices near the national average. The median household income in Dayton is $56,300, and the cost of living index is 103.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $97,714 to comfortably afford the median-priced home in Dayton, which exceeds the current median household income.
Monthly Payment Breakdown for Dayton
Based on the median home price of $399,000 with 20% down ($79,800), here is what you can expect to pay monthly in Dayton:
15-Year vs. 30-Year Mortgage in Dayton
Choosing a 15-year mortgage in Dayton at 6.02% instead of a 30-year at 6.78% would save you $262,260 in total interest over the life of the loan. However, your monthly payment would be $2,697 instead of $2,077 — an increase of $620 per month.
Calculate Your Dayton 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 Dayton
What are the current mortgage rates in Dayton, NV?
As of March 2026, the average 30-year fixed mortgage rate in Dayton, Nevada is 6.78%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Dayton?
Based on the median home price of $399,000 with 20% down, the estimated monthly mortgage payment in Dayton is $2,077 for principal and interest. Including property taxes of $203/month, the total monthly housing cost is approximately $2,280.
What income do I need to buy a home in Dayton?
Using the 28% rule, you would need an annual income of approximately $97,714 to afford the median-priced home in Dayton at $399,000. The median household income in Dayton is $56,300. This means most households would need to either earn above the median or consider homes below $399,000.
Is Dayton a good place to buy a home in 2026?
Dayton has a moderate cost of living with a cost of living index of 103.1 (national average = 100). The property tax rate in Nevada is 0.61%, which is below the national average. Dayton has a population of 15,333 and offers a balanced lifestyle.
Mortgage Rates in Other Nevada Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Dayton, Nevada area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.