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Place in Nevada

Carson City , Nevada

Carson City is a place in Nevada with 58,384 residents, No. 4 of 17 by population. In Carson City, the FHA loan limit for a one-unit home is $575,000, and a typical home is worth $453,000. To rent a 2-bedroom apartment at Fair Market Rent ($1,453 a month) without going over 30% of your income, you need to earn about $27.94 an hour.

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  • Typical home price

    $453,000

    +4% vs. Nevada +36% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Carson City
    • Nevada
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

  • Fair market rent, 2 bedrooms

    $1,453 a month

    −13% vs. Nevada −17% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Carson City
    • Nevada
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $575,000

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • Carson City
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.41% of value per year

    −13% vs. Nevada −56% vs. U.S.

    $1,870 a year for the typical owner

    • Carson City
    • Nevada
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$494,245
1% more than 12 months ago
Typical rent
$2,070 a month
5.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Data from October 2026

In short

What is housing like in Carson City today?

With an FHA loan and the minimum down payment, a typical home would cost about $3,557 a month: 59% of the typical household income here. For that payment to be 28% of income, a household would need to earn about $152,446 a year; the typical income here is $72,355. This is a high-cost area for FHA: the limit is above the national floor.

50% of renter households spend 30% or more of their income on housing, less than in Nevada (56%).

Sources: U.S. Census Bureau (Average 2020–2024); HUD (2026 data).

Only here

What sets Carson City apart

  1. Nearby, in Mineral County, the typical home value is $156,200: 66% less than in Carson City ($453,000).

  2. Among the neighboring places, Mineral County has the lowest typical rent ($905), 27% below the $1,248 in Carson City.

  3. From 2020 to 2025, home prices in Carson City rose 38% on FHFA's index, slower than in Nevada (49%).

  4. At 0.41%, Carson City ranks 2nd among the 16 places in Nevada with this figure for the lowest effective property tax rate.

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Carson City

What homes there are in Carson City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Nevada, most homes in Carson City are detached houses (60%).

There are more mobile homes here than in Nevada: 10% of homes, against 5%.

Year built

In Carson City, half of the homes were built before 1981; in Nevada, before 1996.

In Carson City, 63% of homes have 3 bedrooms or more, about the same as in Nevada.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 68% of owner-occupied homes in Carson City are worth less than the FHA loan limit for this place ($575,000).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,453), about 63% of rented homes in Carson City cost less.

With a mortgage

$1,874 a month

Nevada: $1,932 a month

Without a mortgage

$573 a month

Nevada: $558 a month

Owners with a mortgage

58%

Nevada: 66%

The typical cost for an owner with a mortgage in Carson City is $1,874 a month, near the figure in Nevada ($1,932).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Carson City rose at about the same pace as in Nevada: 65% against 63%.

The typical rent in Carson City rose 33% over the same time; in Nevada, it rose 44%.

To compare: typical income in Carson City rose 30%; the home, +65%; the rent, +33%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCarson CityNevadaUnited States
Rental vacancy Unreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimate1.1%0.9%
More than one person per room 3.3%4.4%3.4%
People per household 2.342.622.53
Drive alone 71%71%69%
Carpool 15%11%9%
Public transit Unreliable estimate2%3%
Walk or bike 2%2%3%
Work from home 10%12%15%
Other means 2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Carson City, 3.3% of households live with more than one person per room, against 4.4% in Nevada.

Households in Carson City are smaller: 2.34 people on average; in Nevada, 2.62.

More people carpool to work in Carson City than in Nevada: 15% against 11%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month in Carson City?

A typical home costs more than the typical income allows

We start with a typical home of $453,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income here, which is $72,355 a year. For that payment to be 28% of income, a household would need to earn about $152,446 a year.

Your numbers

Local data
$

Starts at the typical home value in Carson City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,855 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,557

at 7.18% · 30 years

Loan amount
$444,795
Total interest
$639,956
Paid off in
November 2056

Includes $7,650 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,688 a month

  • Tight

    $1,688 to $2,171 a month

  • Hard

    more than $2,171 a month

    Your payment · 59%

Compared with the typical household income in Carson City ($72,355 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,557
Principal & interest$3,013
Property tax$155
Home insurance$189
FHA mortgage insurance (MIP)$200

You need at least $15,855 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

Buying a home

Buying a home in Carson City

Here you'll see how prices have changed, how Carson City compares with Nevada and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Carson City rose 113% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here Nevada United States
In 2025 +0.2% +2.2% +2.9%
5 years (2020–2025) +38% +49% +47%
10 years (2015–2025) +113% +121% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Carson City compared with Nevada and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Carson City $453,000
  • Nevada $435,400
  • United States $332,700
Typical rent a month
  • Carson City $1,248
  • Nevada $1,597
  • United States $1,413
Typical household income a year
  • Carson City $72,355
  • Nevada $78,260
  • United States $80,734
See the full table
Carson City compared with Nevada and the United States
MeasureHereNevadaU.S.
Residents58,3843,184,612334,922,499
Typical home value$453,000$435,400$332,700
Typical household income$72,355$78,260$80,734
Typical rent$1,248$1,597$1,413
Fair Market Rent (2 bedrooms)$1,453$1,672$1,750
Hourly wage to rent a 2-bedroom$27.94$32.15$33.65
Typical property tax$1,870$2,027$3,119
Effective tax rate0.41%0.47%0.94%
Households that own their home62%60%65%
Renters spending 30% or more on rent50%56%51%
FHA limit (1 unit)*$575,000$541,287$541,287

FHA limit: Nevada shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Carson City

For a typical $453,000 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $3,557 $15,855 $444,795 7.18% FHA MIP · $200 $29,445 580
Conventional, 5% down $3,474 $22,650 $430,350 7.18% PMI · $215 $36,240 620*
Conventional, 20% down, no PMI $2,799 $90,600 $362,400 7.18% None $104,190 620*
ITIN, 15% down (example) $3,217 $67,950 $385,050 8.18% None $81,540 Set by the lender
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Closing costs

Loan limits

This is a high-cost area, so FHA limits in Carson City are above the national floor. The limit is set for the whole metro area (Carson City, NV). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $575,000 $832,750
2 units $736,100 $1,066,250
3 units $889,800 $1,288,800
4 units $1,105,800 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Carson City

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Carson City, the typical owner pays $1,870 a year: about 0.41% of the home's value. That is less than the rest of Nevada and less than the national average.

  • Carson City 0.41%
  • Nevada 0.47%
  • United States 0.94%

What Nevada publishes 3 percent cap on the yearly tax increase for your primary residence (Nevada Legislature (Nevada Revised Statutes))

Exemptions and deadlines in Nevada

Is there a flood risk?

FEMA’s maps count no homes in high-risk flood zones in Carson City. That does not mean there is no risk: some areas have no map. Check your address.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Carson City

The natural hazards FEMA measures in Carson City, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

According to FEMA, the natural hazard risk in Carson City is relatively low.

FEMA builds that rating from three parts: expected loss, social vulnerability and community resilience.

The loss FEMA expects each year in Carson City from all natural hazards is $41 million, counting buildings, people and crops.

Of all the hazards, FEMA expects earthquake to do the most damage to buildings: about $16.4 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. EarthquakeRelatively moderate $16.4 million a year
  2. Inland floodingRelatively low $6.7 million a year
  3. WildfireRelatively moderate $2.8 million a year
  4. Winter weatherRelatively high $25,486 a year
  5. TornadoVery low $2,892 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

Carson City is in climate zone 4B of the home energy code (IECC): mixed and dry.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

  • Summer

    • Before extreme heat: cover windows with drapes or shades, weather-strip doors and windows, and insulate around window air conditioners. Ready.gov (FEMA)
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$39.36$23.43 and $59.50
Plumbers, pipefitters and steamfitters$30.79$21.19 and $50.27
Heating, air conditioning and refrigeration mechanics$30.00$23.31 and $39.24
Carpenters$30.61$23.48 and $49.97
Painters, construction and maintenance$24.70$21.08 and $36.59
Maintenance and repair workers, general$25.62$17.23 and $37.32

According to BLS, an electrician earns about $39.36 an hour in the Carson City, NV area; a plumber, about $30.79.

These are workers' hourly wages, not the price of a job.

BLS publishes no wages for roofers in this area.

Need help paying for a repair?

Renting

Renting in Carson City

The typical rent in Carson City is $1,248 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

50% of renter households in Carson City spend 30% or more of their income on housing. 21% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $1,057 $20.33 $42,280
1 bedroom $1,131 $21.75 $45,240
2 bedrooms $1,453 $27.94 $58,120
3 bedrooms $2,012 $38.69 $80,480
4 bedrooms $2,429 $46.71 $97,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Carson City

Programs and counseling in Carson City

We didn't find counseling agencies near this place.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A mother holding her baby watches her daughter blow bubbles outdoors.

HUD counseling is free or low-cost

Nevada down payment programs

  1. Home Is Possible

    Nevada Housing Division program: up to 5% of the loan for the down payment or closing costs, with no first-time buyer requirement

    No first-time requirement. Run by Nevada Housing Division.

    Type not stated Verified November 5, 2026

  2. Home Is Possible For First-Time Homebuyers

    Nevada Housing Division program for first-time buyers: a 30-year mortgage with interest-free help for the down payment and closing costs of up to 4% of the loan, which is not forgiven

    First-time buyers only. Run by Nevada Housing Division.

    Type not stated Verified November 5, 2026

  3. Home Is Possible For Teachers

    $7,500 from the Nevada Housing Division for public school teachers, for the down payment and closing costs; forgiven after five years if you still live in the home

    No first-time requirement. Run by Nevada Housing Division.

    Forgivable Verified November 5, 2026

Which programs do I qualify for? See all Nevada programs

Help in Spanish in Carson City

None of the 0 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this place.

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

We didn't find counseling agencies near this place.

Places

Cities in Carson City

This site has no city pages of Carson City. The neighboring counties are below.

Nearby places

Each row compares its typical value, typical rent and FHA limit with Carson City.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Carson City in 2026?

Carson City has an FHA limit of $575,000 for a one-unit home. For 2 units it's $736,100, for 3 it's $889,800 and for 4 it's $1,105,800. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in Carson City?

Carson City has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Carson City?

The typical home value in Carson City is $453,000 (Average 2020–2024, U.S. Census). Across Nevada it's $435,400.

How much does it cost to rent in Carson City?

Carson City has a typical rent of $1,248 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,453 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Carson City?

About $27.94 an hour working full time (2,080 hours a year), or $58,120 a year, so the fair market rent of $1,453 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).