In Las Vegas, a typical home is worth $427,900 and typical rent is $1,563 a month. Home values, rent and income are very close to those of all of Clark County.
Typical home value from Zillow, September 2021 to September 2026: from $362,664 to $417,475.
Typical rent
$1,700a month
▲ 0.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,600 to $1,700.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Las Vegas is in Clark County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Clark County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Winchester, the typical home value is $302,800: 29% less than in Las Vegas ($427,900).
2
Nearby, in Winchester, the typical rent is $1,220: 22% less than in Las Vegas ($1,563).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Las Vegas
What homes there are in Las Vegas, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and other
Las Vegas
Clark County
Nevada
United States
Kind of home: Las Vegas and its comparisons
Measure
Las Vegas
Clark County
Nevada
United States
Detached house
62%
60%
60%
61%
Attached house
6%
6%
5%
6%
Building of 2 to 4
8%
8%
7%
8%
Apartments (5 or more)
23%
24%
22%
19%
Mobile home
1%
3%
5%
6%
Boat, RV and other
0%
0%
0%
0%
As in Clark County, most homes in Las Vegas are detached houses (62%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Las Vegas
Clark County
Nevada
United States
Year built: Las Vegas and its comparisons
Measure
Las Vegas
Clark County
Nevada
United States
Before 1960
6%
3%
5%
26%
1960–1979
17%
15%
17%
24%
1980–1999
44%
38%
37%
25%
2000–2009
22%
29%
26%
14%
2010 or later
12%
16%
15%
11%
Homes in Las Vegas are older: the typical year built is 1994; in Clark County, 1998.
By size, homes in Las Vegas look like those in Clark County: 62% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K3%
$200K–$300K13%
$300K–$500K47%
$500K–$750K22%
FHA limit: $541,287
$750K–$1M7%
$1M or more5%
Value of owner-occupied homes: Las Vegas and its comparisons
Measure
Las Vegas
Under $100K
4%
$100K–$200K
3%
$200K–$300K
13%
$300K–$500K
47%
$500K–$750K
22%
$750K–$1M
7%
$1M or more
5%
By price, most homes in Las Vegas sit under the FHA limit for Clark County ($541,287): about 70%.
Monthly rent with utilities
Under the limitOver the limit
Under $5003%
$500–$99912%
$1,000–$1,49931%
$1,500–$1,99931%
HUD fair market rent, 2 bedrooms: $1,686
$2,000–$2,49915%
$2,500–$2,9996%
$3,000 or more3%
Monthly rent with utilities: Las Vegas and its comparisons
Measure
Las Vegas
Under $500
3%
$500–$999
12%
$1,000–$1,499
31%
$1,500–$1,999
31%
$2,000–$2,499
15%
$2,500–$2,999
6%
$3,000 or more
3%
Measured against HUD's 2-bedroom fair market rent ($1,686), about 58% of rented homes in Las Vegas cost less.
With a mortgage
$1,933 a month
Clark County: $1,928 a month
Without a mortgage
$573 a month
Clark County: $561 a month
Owners with a mortgage
69%
Clark County: 68%
In Las Vegas, 69% of owners have a mortgage; their typical cost is $1,933 a month, about the same as in Clark County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Las Vegas+66%
Clark County+64%
Nevada+63%
United States+53%
Typical rent
Las Vegas+42%
Clark County+44%
Nevada+44%
United States+33%
Typical household income
Las Vegas+31%
Clark County+29%
Nevada+30%
United States+29%
Change since 2015–2019: Las Vegas and its comparisons
Measure
Las Vegas
Clark County
Nevada
United States
Typical home value
+66%
+64%
+63%
+53%
Typical rent
+42%
+44%
+44%
+33%
Typical household income
+31%
+29%
+30%
+29%
The typical home value in Las Vegas rose 66% since 2015–2019, about the same as in Clark County (64%).
Rents in Las Vegas rose at about the same pace as in Clark County: 42% since 2015–2019, against 44%.
The typical household income in Las Vegas rose 31%: less than home values (+66%) and rent (+42%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Las Vegas and its comparisons
Measure
Las Vegas
Clark County
Nevada
United States
Rental vacancy
5.0%
7.1%
6.8%
5.5%
Homeowner vacancy
1.1%
1.1%
1.1%
0.9%
More than one person per room
4.6%
4.7%
4.4%
3.4%
People per household
2.64
2.68
2.62
2.53
Drive alone
71%
71%
71%
69%
Carpool
10%
11%
11%
9%
Public transit
3%
2%
2%
3%
Walk or bike
2%
2%
2%
3%
Work from home
12%
12%
12%
15%
Other means
3%
3%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Las Vegas, the rental vacancy rate is 5.0%; in Clark County, 7.1%.
Much as in Clark County, 4.6% of households in Las Vegas have more than one person per room.
A household in Las Vegas has 2.64 people on average, about the same as in Clark County (2.68).
To get to work, 71% of workers in Las Vegas drive alone; in Clark County, 71%.
Do the math
What would you pay each month for a home in Las Vegas?
A typical home costs more than the typical income allows
We start with a typical home in Las Vegas, worth $427,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Las Vegas, which is $73,877 a year. For that payment to be 28% of income, a household would need to earn about $145,069 a year.
The calculator's FHA and conventional loan limits are those of all of Clark County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Las Vegas. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,977 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,385
at 7.18% · 30 years
Loan amount
$420,149
Total interest
$604,496
Paid off in
November 2056
Includes $7,226 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,724 a month
Tight
$1,724 to $2,216 a month
Hard
more than $2,216 a month
Your payment · 55%
Compared with the typical household income in Las Vegas ($73,877 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,846
Property tax
$171
Home insurance
$178
FHA mortgage insurance (MIP)
$189
You need at least $14,977 for the down payment, plus closing costs.
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.
Total monthly payment $3,385; principal and interest $2,846.
The city and its county
Las Vegas and Clark County
Las Vegas is in Clark County, Nevada. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Las Vegas
Map of Clark County, Nevada, with Las Vegas marked. Around it, the neighboring counties.
Las Vegas
Clark County
Other cities with a page
Las Vegas's own numbers
Typical home value
$427,900
Typical monthly rent
$1,563
Typical yearly household income
$73,877
Households that own their home
57%
Effective property tax rate
0.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clark County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,686
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
0.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Clark County.
A typical home in Las Vegas is worth $427,900: about the same as the county and about the same as Nevada. With the typical household income in Las Vegas ($73,877 a year), a typical home costs 5.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Las Vegas5.8 years
Clark5.6 years
Nevada5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clark County
According to FHFA’s house price index, home prices in Clark County rose 131% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clark County.
Yearly change in FHFA’s price index in Clark County, 2016 to 2025
2016: +8.0% +8.0% 2016
2017: +10.5% +10.5% 2017
2018: +15.2% +15.2% 2018
2019: +6.5% +6.5% 2019
2020: +2.9% +2.9% 2020
2021: +15.4% +15.4% 2021
2022: +20.4% +20.4% 2022
2023: +1.5% +1.5% 2023
2024: +7.0% +7.0% 2024
2025: +1.6% +1.6% 2025
Change in FHFA’s price index in Clark County, Nevada and the United States
Period
County
Nevada
U.S.
Last year (2025)
+1.6%
+2.2%
+2.9%
5 years (2020–2025)
+53%
+49%
+47%
10 years (2015–2025)
+131%
+121%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Las Vegas next to Clark County, Nevada and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Las Vegas$427,900
Clark$431,000
Nevada$435,400
United States$332,700
Typical monthly rent
Las Vegas$1,563
Clark$1,626
Nevada$1,597
United States$1,413
Typical yearly household income
Las Vegas$73,877
Clark$76,472
Nevada$78,260
United States$80,734
See the full table
Las Vegas next to Clark County and Nevada
Measure
Las Vegas
Clark County
Nevada
U.S.
Typical home value
$427,900
$431,000
$435,400
$332,700
Typical monthly rent
$1,563 ▼4% below the county
$1,626
$1,597
$1,413
Typical yearly household income
$73,877 ▼3% below the county
$76,472
$78,260
$80,734
Households that own their home
57% ▼1 points below the county
58%
60%
65%
Typical yearly property tax
$2,065
$2,057
$2,027
$3,119
Effective property tax rate
0.48%
0.48%
0.47%
0.94%
Renters with high rent for their income
59% ▲1 points above the county
58%
56%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clark County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Las Vegas
For a typical $427,900 home in Las Vegas, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Las Vegas's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,385a month
Least cash to close
Down payment
$14,977
Cash to close
$27,814
Rate
7.18%
Mortgage insurance
FHA MIP · $189
Conventional, 5% down$3,307a month
Down payment
$21,395
Cash to close
$34,232
Rate
7.18%
Mortgage insurance
PMI · $203
Conventional, 20% down, no PMI$2,668a month
Down payment
$85,580
Cash to close
$98,417
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,064a month
Down payment
$64,185
Cash to close
$77,022
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Las Vegas
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,385
$14,977
$420,150
7.18%
FHA MIP · $189
$27,814
580
Conventional, 5% down
$3,307
$21,395
$406,505
7.18%
PMI · $203
$34,232
620*
Conventional, 20% down, no PMI
$2,668
$85,580
$342,320
7.18%
None
$98,417
620*
ITIN, 15% down (example)
$3,064
$64,185
$363,715
8.18%
None
$77,022
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
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.
Typical rent in Las Vegas is $1,563 a month: 4% below the county. In Las Vegas, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($1,686 a month) without spending more than 30% of your income, you would need to earn $32.42 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clark County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,310
$25.19
$52,400
1 bedroom
$1,435
$27.60
$57,400
2 bedrooms
$1,686
$32.42
$67,440
3 bedrooms
$2,317
$44.56
$92,680
4 bedrooms
$2,652
$51.00
$106,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Las Vegas
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Las Vegas has 16 ZIP codes with their own.
For 2 bedrooms it runs from $1,570 in 89101 to $2,530 in 89138.
11 of the 16 are above the fair market rent for Clark County ($1,686).
2-bedroom fair market rent in each of the 16 ZIP codes of Las Vegas, beside the one for Clark County. For 2 bedrooms it runs from $1,570 in 89101 to $2,530 in 89138. 11 of the 16 are above the fair market rent for Clark County ($1,686).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,686
Lowest: $1,570 (89101)Highest: $2,530 (89138)
Fair market rent by ZIP code and size in Las Vegas, fiscal year 2027.
89101
$1,200
$1,340
$1,570
$2,180
$2,490
89102
$1,200
$1,340
$1,570
$2,180
$2,490
89106
$1,200
$1,340
$1,570
$2,180
$2,490
89107
$1,200
$1,340
$1,570
$2,180
$2,490
89108
$1,280
$1,400
$1,650
$2,270
$2,600
89117
$1,480
$1,620
$1,900
$2,610
$2,990
89128
$1,340
$1,470
$1,730
$2,380
$2,720
89129
$1,370
$1,500
$1,760
$2,420
$2,770
89130
$1,410
$1,540
$1,810
$2,490
$2,850
89131
$1,680
$1,840
$2,160
$2,970
$3,400
89134
$1,720
$1,880
$2,210
$3,040
$3,480
89138
$1,970
$2,150
$2,530
$3,480
$3,980
89143
$1,590
$1,740
$2,040
$2,800
$3,210
89144
$1,620
$1,780
$2,090
$2,870
$3,290
89145
$1,370
$1,500
$1,760
$2,420
$2,770
89149
$1,550
$1,690
$1,990
$2,740
$3,130
ZIP code2 bd3 bd
89101 $1,570$2,180
89102 $1,570$2,180
89106 $1,570$2,180
89107 $1,570$2,180
89108 $1,650$2,270
89117 $1,900$2,610
89128 $1,730$2,380
89129 $1,760$2,420
89130 $1,810$2,490
89131 $2,160$2,970
89134 $2,210$3,040
89138 $2,530$3,480
89143 $2,040$2,800
89144 $2,090$2,870
89145 $1,760$2,420
89149 $1,990$2,740
8 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Las Vegas when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 142 buildings with rents for lower incomes in Las Vegas. These are the largest.
Mi Casita Aka Pinewood Apts3600 Swenson St, Las Vegas 89169755 low-income homes · Studio: 40 · 1 bd: 175 · 2 bd: 469 · 3 bd: 80 · In service since 2003 · For families
Pinewood3600 Swenson St, Las Vegas 89169755 low-income homes · Studio: 39 · 1 bd: 176 · 2 bd: 460 · 3 bd: 80 · In service since 2004 · For families
Sundance Village Apts6500 W Charleston Blvd, Las Vegas 89146528 low-income homes · 1 bd: 216 · 2 bd: 288 · 3 bd: 28 · In service since 2005 · For families
Lake Tonopah2151 Citrus Hills Ave, Las Vegas 89106356 low-income homes · 1 bd: 180 · 2 bd: 176 · In service since 1997
Villanova Apartments2815 W Ford Ave, Las Vegas 89123348 low-income homes · 1 bd: 56 · 2 bd: 176 · In service since 2003 · For families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 8 HUD-approved agencies with an office in Clark County; 7 say they serve in Spanish.
1 program is for Las Vegas or Clark County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Nevada: they work in Las Vegas the same as in the rest of the state.
Nevada Housing Division program: up to 5% of the loan for the down payment or closing costs, with no first-time buyer requirement.Offered by Nevada Housing Division.
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.Offered by Nevada Housing Division.
Short answers with the numbers for Las Vegas and all of Clark County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Las Vegas?
The typical home value in Las Vegas is $427,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $431,000.
How much does it cost to rent in Las Vegas?
Typical rent in Las Vegas is $1,563 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $1,686.
What is the FHA loan limit in Las Vegas?
Las Vegas uses the FHA limit for all of Clark County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Las Vegas?
The typical homeowner in Las Vegas pays $2,065 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Clark County, the rate is 0.48%.
Where can I find free help to buy or rent in Las Vegas?
There are 8 HUD-approved counseling agencies with an office in Clark County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
