Mortgage Rates in Nevada — March 2026
Compare current mortgage rates across 11 cities in Nevada. The average 30-year fixed rate is 6.7%, which is 0.05% above the national average of 6.65%.
Nevada Housing Highlights
All 11 Cities in Nevada
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Las Vegas | 6.7% | $395,000 | $2,039 | 641,903 |
| Henderson | 6.7% | $435,000 | $2,246 | 320,189 |
| Reno | 6.7% | $495,000 | $2,555 | 264,165 |
| North Las Vegas | 6.7% | $375,000 | $1,936 | 262,527 |
| Paradise | 6.7% | $355,000 | $1,833 | 193,150 |
| Sunrise Manor | 6.7% | $295,000 | $1,523 | 189,372 |
| Spring Valley | 6.7% | $345,000 | $1,781 | 178,395 |
| Enterprise | 6.7% | $395,000 | $2,039 | 171,372 |
| Sparks | 6.7% | $445,000 | $2,297 | 108,445 |
| Carson City | 6.7% | $395,000 | $2,039 | 58,639 |
| Elko | 6.7% | $325,000 | $1,678 | 22,819 |
Nevada Mortgage Rates Guide — 2026
Nevada homebuyers currently see an average 30-year fixed mortgage rate of 6.7%, with median home prices around $386,818. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,997.
The most affordable city for homebuyers in Nevada is Sunrise Manor, where the median home price is $295,000. On the other end, Reno has the highest prices at $495,000. Property tax rates across the state average 0.6%.
To comfortably afford a home at the state average price, a household income of approximately $85,586 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Nevada Mortgages
What are current mortgage rates in Nevada?
As of March 2026, the average 30-year fixed mortgage rate in Nevada is 6.7% and the 15-year fixed rate averages 5.94%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Nevada?
The median home price across 11 cities in Nevada is $386,818. Prices range from $295,000 in Sunrise Manor to $495,000 in Reno.
How much income do I need to buy a house in Nevada?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $85,586 to comfortably afford the average home in Nevada. The median household income in the state is approximately $56,644.
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