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City · 6,684 residents · Clark County, Nevada

Moapa Valley , Nevada

In Moapa Valley, a typical home is worth $362,500 and typical rent is $1,135 a month. Compared with all of Clark County, typical rent is 30% lower, typical household income is 17% higher, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $362,500

    16% below the county

    17% below Nevada

    • Moapa Valley
    • Clark
    • Nevada

  • Typical rent

    $1,135a month

    30% below the county

    29% below Nevada

    • Moapa Valley
    • Clark
    • Nevada

  • Typical household income

    $89,250a year

    17% above the county

    14% above Nevada

    • Moapa Valley
    • Clark
    • Nevada

  • Households that own their home

    81%

    23 points above the county

    21 points above Nevada

    • Moapa Valley
    • Clark
    • Nevada

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

Moapa Valley 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 Moapa Valley apart

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

  1. 81% of households in Moapa Valley own their home, against 58% in Clark County.

  2. The typical rent in Moapa Valley is $1,135 a month, 30% less than in Clark County as a whole ($1,626).

  3. Moapa Valley has the 3rd smallest share of rent-burdened renters of the 32 cities in Nevada with more than 5,000 people (35%).

  4. The typical household income in Moapa Valley is $89,250, 17% more than in Clark County as a whole ($76,472).

  5. The typical home in Moapa Valley is worth $362,500, 16% less than in Clark County as a whole ($431,000).

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

The homes here

Housing in Moapa Valley

What homes there are in Moapa Valley, 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 houses, standing on their own, make up 66% of homes here, against 60% in Clark County.

Mobile homes are 24% of homes in Moapa Valley, more than in Clark County (3%).

Year built

In Moapa Valley, half of the homes were built before 1990; in Clark County, before 1998.

There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 61% in Clark County.

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

The FHA loan limit for Clark County is $541,287, and about 73% of owner-occupied homes in Moapa Valley are worth less than that.

Monthly rent with utilities

With a mortgage

$2,055 a month

Clark County: $1,928 a month

Without a mortgage

$466 a month

Clark County: $561 a month

Owners with a mortgage

62%

Clark County: 68%

Owning costs more in Moapa Valley: with a mortgage, the typical cost is $2,055 a month; in Clark County, $1,928. Without one, $466.

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, the typical home value in Moapa Valley rose 74%; in Clark County, it rose 64%.

Rent in Moapa Valley moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureMoapa ValleyClark 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 3.052.682.622.53
Drive alone 81%71%71%69%
Carpool Unreliable estimate11%11%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 10%12%12%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.05 on average, against 2.68 in Clark County.

To get to work, 81% of workers in Moapa Valley drive alone; in Clark County, 71%.

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 Moapa Valley?

A typical home costs more than the typical income allows

We start with a typical home in Moapa Valley, worth $362,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Moapa Valley, which is $89,250 a year. For that payment to be 28% of income, a household would need to earn about $121,602 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 Moapa Valley. 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 $12,688 (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

$2,837

at 7.18% · 30 years

Loan amount
$355,934
Total interest
$512,105
Paid off in
November 2056

Includes $6,122 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,083 a month

  • Tight

    $2,083 to $2,678 a month

  • Hard

    more than $2,678 a month

    Your payment · 38%

Compared with the typical household income in Moapa Valley ($89,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,837
Principal & interest$2,411
Property tax$115
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,688 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

Moapa Valley and Clark County

Moapa Valley 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).

Moapa Valley's own numbers

Typical home value
$362,500
Typical monthly rent
$1,135
Typical yearly household income
$89,250
Households that own their home
81%
Effective property tax rate
0.38%

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 Moapa Valley

A typical home in Moapa Valley is worth $362,500: 16% below the county and 17% below Nevada. With the typical household income in Moapa Valley ($89,250 a year), a typical home costs 4.1 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.

  • Moapa Valley 4.1 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

Moapa Valley 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
  • Moapa Valley $362,500
  • Clark $431,000
  • Nevada $435,400
  • United States $332,700
Typical monthly rent
  • Moapa Valley $1,135
  • Clark $1,626
  • Nevada $1,597
  • United States $1,413
Typical yearly household income
  • Moapa Valley $89,250
  • Clark $76,472
  • Nevada $78,260
  • United States $80,734
See the full table
Moapa Valley next to Clark County and Nevada
Measure Moapa Valley Clark County Nevada U.S.
Typical home value $362,500 $431,000 $435,400 $332,700
Typical monthly rent $1,135 $1,626 $1,597 $1,413
Typical yearly household income $89,250 $76,472 $78,260 $80,734
Households that own their home 81% 58% 60% 65%
Typical yearly property tax $1,360 $2,057 $2,027 $3,119
Effective property tax rate 0.38% 0.48% 0.47% 0.94%
Renters with high rent for their income 35% 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 Moapa Valley

For a typical $362,500 home in Moapa Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moapa Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,837a month

    Least cash to close
    Down payment
    $12,688
    Cash to close
    $23,563
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $2,771a month

    Down payment
    $18,125
    Cash to close
    $29,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,230a month

    Down payment
    $72,500
    Cash to close
    $83,375
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,566a month

    Down payment
    $54,375
    Cash to close
    $65,250
    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 Moapa Valley and for Clark County.

Property tax

Effective rate in Moapa Valley

0.38%of the home’s value each year

$1,360 a year for the typical owner in Moapa Valley.

  • Moapa Valley 0.38%
  • 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 Moapa Valley

Typical rent in Moapa Valley is $1,135 a month: 30% below the county. In Moapa Valley, 35% 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 Moapa Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moapa Valley has 2 ZIP codes with their own.

For 2 bedrooms it is $1,570 in all of them.

None is above the fair market rent for Clark County ($1,686).

  • 89021 $1,570$2,180
  • 89040 $1,570$2,180

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moapa Valley 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?

Free help

Help to buy or rent in Moapa Valley

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Moapa Valley

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

Which programs do I qualify for? All programs in Nevada

Housing counselors near Moapa Valley

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

  • Neighborhood Housing Services of Southern Nevada

    1849 Civic Center Dr, North Las Vegas · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (702) 649-0998

  • Nevada Partners, Inc.

    690 W Lake Mead Blvd, North Las Vegas · 48 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (702) 844-8000

  • Chicanos Por La Causa Inc.

    555 N Maryland Pkwy, Las Vegas · 48 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (702) 207-1614

Every agency in Clark County All counseling agencies in Nevada

Help in Spanish near Moapa Valley

2 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 Moapa Valley

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Moapa Valley

Short answers with the numbers for Moapa Valley 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 Moapa Valley?

The typical home value in Moapa Valley is $362,500, 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 Moapa Valley?

Typical rent in Moapa Valley is $1,135 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 Moapa Valley?

Moapa Valley 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 Moapa Valley?

The typical homeowner in Moapa Valley pays $1,360 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Clark County, the rate is 0.48%.

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

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).