Mortgage Rates in North Las Vegas, Nevada — March 2026
Updated March 2026 | Based on North Las Vegas market data and regional lending conditions
North Las Vegas is a mid-sized city in Nevada with a population of 262,527. The current 30-year fixed mortgage rate in North Las Vegas is 6.7%, which is 0.05% above the national average. With a median home price of $375,000 and a 20% down payment of $75,000, homebuyers can expect a monthly principal and interest payment of approximately $1,936.
Current Mortgage Rates in North Las Vegas, NV
Below are the current average mortgage rates available in the North Las Vegas 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
North Las Vegas Housing Market Overview
The North Las Vegas housing market reflects moderate demand with prices near the national average. The median household income in North Las Vegas is $57,630, and the cost of living index is 98.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $91,029 to comfortably afford the median-priced home in North Las Vegas, which exceeds the current median household income.
Monthly Payment Breakdown for North Las Vegas
Based on the median home price of $375,000 with 20% down ($75,000), here is what you can expect to pay monthly in North Las Vegas:
15-Year vs. 30-Year Mortgage in North Las Vegas
Choosing a 15-year mortgage in North Las Vegas at 5.94% instead of a 30-year at 6.7% would save you $243,000 in total interest over the life of the loan. However, your monthly payment would be $2,522 instead of $1,936 — an increase of $586 per month.
Calculate Your North Las Vegas 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 North Las Vegas
What are the current mortgage rates in North Las Vegas, NV?
As of March 2026, the average 30-year fixed mortgage rate in North Las Vegas, Nevada is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in North Las Vegas?
Based on the median home price of $375,000 with 20% down, the estimated monthly mortgage payment in North Las Vegas is $1,936 for principal and interest. Including property taxes of $188/month, the total monthly housing cost is approximately $2,124.
What income do I need to buy a home in North Las Vegas?
Using the 28% rule, you would need an annual income of approximately $91,029 to afford the median-priced home in North Las Vegas at $375,000. The median household income in North Las Vegas is $57,630. This means most households would need to either earn above the median or consider homes below $375,000.
Is North Las Vegas a good place to buy a home in 2026?
North Las Vegas offers a below-average cost of living with a cost of living index of 98.5 (national average = 100). The property tax rate in Nevada is 0.6%, which is below the national average. North Las Vegas has a population of 262,527 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the North Las Vegas, Nevada area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.