Español

Este sitio también está en español. Leer en español

City · 8,789 residents · Clark County, Nevada

Laughlin , Nevada

In Laughlin, a typical home is worth $283,700 and typical rent is $1,112 a month. Compared with all of Clark County, typical household income is 40% lower, the typical home value is 34% lower, and the share of households that own their home is 8 points lower.

WhatsApp

  • Typical home value

    $283,700

    34% below the county

    35% below Nevada

    • Laughlin
    • Clark
    • Nevada

  • Typical rent

    $1,112a month

    32% below the county

    30% below Nevada

    • Laughlin
    • Clark
    • Nevada

  • Typical household income

    $45,685a year

    40% below the county

    42% below Nevada

    • Laughlin
    • Clark
    • Nevada

  • Households that own their home

    50%

    8 points below the county

    10 points below Nevada

    • Laughlin
    • Clark
    • Nevada

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

Market now, with Zillow data

Zillow data
Typical home value
$250,771
2.9% less than 12 months ago
Typical rent
$1,065 a month
1% less than 12 months ago

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

Laughlin 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Laughlin apart

What this place has that others do not, from public data, most unusual first.

  1. Laughlin has the lowest typical household income of the 33 cities in Nevada with more than 5,000 people: $45,685.

  2. Laughlin has the 2nd lowest typical rent of the 33 cities in Nevada with more than 5,000 people ($1,112).

  3. The typical home in Laughlin is worth $283,700, 34% less than in Clark County as a whole ($431,000).

  4. 50% of households in Laughlin own their home, against 58% in Clark County.

  5. 11% of households in Laughlin have no internet at home (5% in Clark County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Laughlin

What homes there are in Laughlin, 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

Many people here live in apartments: 5 in 10 homes; in Clark County, 2.

Year built

Homes in Laughlin are older: the typical year built is 1992; in Clark County, 1998.

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
Monthly rent with utilities

With a mortgage

$1,427 a month

Clark County: $1,928 a month

Without a mortgage

$508 a month

Clark County: $561 a month

Owners with a mortgage

51%

Clark County: 68%

The typical cost for an owner with a mortgage in Laughlin is $1,427 a month, less than in Clark County ($1,928); without one, $508.

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

Laughlin does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Clark County the typical home value rose 64%.

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

MeasureLaughlinClark CountyNevadaUnited States
Rental vacancy Unreliable estimate7.1%6.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate4.7%4.4%3.4%
People per household 2.042.682.622.53
Drive alone 67%71%71%69%
Carpool 12%11%11%9%
Public transit 10%2%2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 6%12%12%15%
Other means Unreliable estimate3%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Laughlin are smaller: 2.04 people on average; in Clark County, 2.68.

More people ride a bus or train to work in Laughlin than in Clark County: 10% against 2%.

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 for a home in Laughlin?

A typical home costs more than the typical income allows

We start with a typical home in Laughlin, worth $283,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in Laughlin, which is $45,685 a year. For that payment to be 28% of income, a household would need to earn about $97,398 a year.

The calculator's FHA and conventional loan limits are those of all of Clark County.

Your numbers

Local data
$

Starts at the typical home value in Laughlin. 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 $9,930 (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

$2,273

at 7.18% · 30 years

Loan amount
$278,561
Total interest
$400,784
Paid off in
November 2056

Includes $4,791 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,066 a month

  • Tight

    $1,066 to $1,371 a month

  • Hard

    more than $1,371 a month

    Your payment · 60%

Compared with the typical household income in Laughlin ($45,685 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,273
Principal & interest$1,887
Property tax$142
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,930 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.

The city and its county

Laughlin and Clark County

Laughlin 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).

Laughlin's own numbers

Typical home value
$283,700
Typical monthly rent
$1,112
Typical yearly household income
$45,685
Households that own their home
50%
Effective property tax rate
0.6%

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.

Everything about Clark County

Buying

Buying a home in Laughlin

A typical home in Laughlin is worth $283,700: 34% below the county and 35% below Nevada. With the typical household income in Laughlin ($45,685 a year), a typical home costs 6.2 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.

  • Laughlin 6.2 years
  • Clark 5.6 years
  • Nevada 5.6 years
  • United States 4.1 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.

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

Laughlin 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
  • Laughlin $283,700
  • Clark $431,000
  • Nevada $435,400
  • United States $332,700
Typical monthly rent
  • Laughlin $1,112
  • Clark $1,626
  • Nevada $1,597
  • United States $1,413
Typical yearly household income
  • Laughlin $45,685
  • Clark $76,472
  • Nevada $78,260
  • United States $80,734
See the full table
Laughlin next to Clark County and Nevada
Measure Laughlin Clark County Nevada U.S.
Typical home value $283,700 $431,000 $435,400 $332,700
Typical monthly rent $1,112 $1,626 $1,597 $1,413
Typical yearly household income $45,685 $76,472 $78,260 $80,734
Households that own their home 50% 58% 60% 65%
Typical yearly property tax $1,702 $2,057 $2,027 $3,119
Effective property tax rate 0.6% 0.48% 0.47% 0.94%
Renters with high rent for their income 59% 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 Laughlin

For a typical $283,700 home in Laughlin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laughlin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,273a month

    Least cash to close
    Down payment
    $9,930
    Cash to close
    $18,441
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,221a month

    Down payment
    $14,185
    Cash to close
    $22,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $135

  • Conventional, 20% down, no PMI $1,798a month

    Down payment
    $56,740
    Cash to close
    $65,251
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,060a month

    Down payment
    $42,555
    Cash to close
    $51,066
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Laughlin and for Clark County.

Property tax

Effective rate in Laughlin

0.6%of the home’s value each year

$1,702 a year for the typical owner in Laughlin.

  • Laughlin 0.6%
  • Clark 0.48%
  • Nevada 0.47%

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

Flood risk in Clark County

FEMA does not publish these numbers by city: they are for all of Clark County.

Homes in the high-risk zone
0.1%
964
Of those, with NFIP insurance
30%
County Nevada U.S.
Homes in the high-risk zone 0.1% 2% 3.5%
Of those, with NFIP insurance 30% 30% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laughlin

Typical rent in Laughlin is $1,112 a month: 32% below the county. In Laughlin, 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.

HUD fair market rent for all of Clark County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Laughlin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laughlin is in ZIP code 89029.

For 2 bedrooms it is $1,570: $116 less than the fair market rent for Clark County ($1,686).

  • 89029 $1,570$2,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Laughlin 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Laughlin

HUD lists 5 buildings with rents for lower incomes in Laughlin. These are the largest.

  • Vista Creek Apts 2220 Cougar Dr, Laughlin 89029 300 homes, 298 low-income · 1 bd: 42 · 2 bd: 209 · In service since 2010 · For families
  • Riverwood Village 1705 Cal Edison Dr, Laughlin 89029 208 low-income homes · 1 bd: 30 · 2 bd: 150 · 3 bd: 27 · In service since 2008 · For families
  • Vintage at Laughlin 2250 Cougar Dr, Laughlin 89029 150 homes, 149 low-income · 1 bd: 61 · 2 bd: 89 · In service since 2010 · For older adults
  • Riverwood I Apts. 1705 Cal Edison Dr, Laughlin 89029 108 low-income homes · 1 bd: 18 · 2 bd: 74 · 3 bd: 15 · In service since 2008 · For families
  • Riverwood II Apartments 1701 Cal Edison Dr, Laughlin 89029 100 low-income homes · 1 bd: 12 · 2 bd: 76 · In service since 2008 · For families

See all 203 buildings in Clark County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Laughlin

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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Laughlin

1 program is for Laughlin 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 Laughlin the same as in the rest of the state.

Which programs do I qualify for? All programs in Nevada

Housing counselors near Laughlin

The HUD-approved agencies closest to the center of Laughlin, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Navicore Solutions- Henderson, NV

    2298 W Horizon Ridge Pkwy Ste 109, Henderson · 65 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 472-4557

  • Credit.org - Henderson Branch

    871 Coronado Center Dr, Henderson · 65 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

  • NSC (naca Counseling Subsidiary) - Las Vegas, NV

    3030 S Jones Blvd Ste 103, Las Vegas · 76 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (702) 362-6199

Every agency in Clark County All counseling agencies in Nevada

Help in Spanish near Laughlin

3 of the 3 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.

Housing authorities of Laughlin

In HUD’s record, no housing authority with an office in Clark County is named for Laughlin or Clark County.

One other authority has an office in Clark County: see the list Source: HUD

Cities

Other cities in Clark County

These cities are also in Clark County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Clark County Housing in Nevada
See 2 more cities in Clark County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Laughlin, with the typical home value.

Neighboring counties

If Clark County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Laughlin.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Laughlin

Short answers with the numbers for Laughlin 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 Laughlin?

The typical home value in Laughlin is $283,700, 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 Laughlin?

Typical rent in Laughlin is $1,112 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 Laughlin?

Laughlin 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 Laughlin?

The typical homeowner in Laughlin pays $1,702 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Clark County, the rate is 0.48%.

Where can I find free help to buy or rent in Laughlin?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).