Las Vegas, NV Mortgage Calculator
In Las Vegas, Nevada, the median home is around $440,000. With 20% down at 6.85% and Nevada's ~0.55% effective property-tax rate, the all-in monthly payment is roughly $2,636.51 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$2,306.51
- Property tax$403.33
- Home insurance$128.33
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $3,680 | $23,998 | $348,320 |
| 2 | $3,940 | $23,738 | $344,379 |
| 3 | $4,219 | $23,459 | $340,160 |
| 4 | $4,517 | $23,161 | $335,643 |
| 5 | $4,837 | $22,842 | $330,807 |
| 6 | $5,178 | $22,500 | $325,628 |
| 7 | $5,545 | $22,134 | $320,084 |
| 8 | $5,936 | $21,742 | $314,147 |
| 9 | $6,356 | $21,322 | $307,791 |
| 10 | $6,805 | $20,873 | $300,986 |
| 11 | $7,287 | $20,392 | $293,699 |
| 12 | $7,802 | $19,876 | $285,898 |
| 13 | $8,353 | $19,325 | $277,544 |
| 14 | $8,944 | $18,734 | $268,601 |
| 15 | $9,576 | $18,102 | $259,025 |
| 16 | $10,253 | $17,425 | $248,772 |
| 17 | $10,978 | $16,700 | $237,794 |
| 18 | $11,754 | $15,924 | $226,041 |
| 19 | $12,585 | $15,094 | $213,456 |
| 20 | $13,474 | $14,204 | $199,982 |
| 21 | $14,427 | $13,251 | $185,555 |
| 22 | $15,447 | $12,232 | $170,109 |
| 23 | $16,539 | $11,140 | $153,570 |
| 24 | $17,708 | $9,970 | $135,862 |
| 25 | $18,959 | $8,719 | $116,903 |
| 26 | $20,300 | $7,378 | $96,603 |
| 27 | $21,735 | $5,943 | $74,868 |
| 28 | $23,271 | $4,407 | $51,597 |
| 29 | $24,916 | $2,762 | $26,681 |
| 30 | $26,681 | $1,000 | $0 |
Frequently asked questions
What's a typical mortgage payment in Las Vegas, NV?
On a median Las Vegas home (about $440,000) with 20% down at 6.85%, the full monthly payment is roughly $2,636.51 — principal, interest, Nevada property tax, and insurance.
How much do you need to earn to buy a home in Las Vegas?
Using the 28% housing rule, a $2,636.51 payment fits an income near $112,993 a year, before accounting for your other debts.
What are property taxes like in Las Vegas?
Nevada's effective property-tax rate averages about 0.55% of home value — roughly $2,420 a year on a $440,000 home. Local rates vary by county and city assessment.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.