In Spring Valley, a typical home is worth $433,800 and typical rent is $1,743 a month. Compared with all of Clark County, typical rent is 7% higher and the share of households that own their home is 7 points lower.
Spring 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
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: 30% less than in Spring Valley ($433,800).
2
Nearby, in Winchester, the typical rent is $1,220: 30% less than in Spring Valley ($1,743).
3
51% of households in Spring Valley own their home, against 58% in Clark County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Spring Valley
What homes there are in Spring 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Spring Valley
Clark County
Nevada
United States
Kind of home: Spring Valley and its comparisons
Measure
Spring Valley
Clark County
Nevada
United States
Detached house
53%
60%
60%
61%
Attached house
6%
6%
5%
6%
Building of 2 to 4
8%
8%
7%
8%
Apartments (5 or more)
30%
24%
22%
19%
Mobile home
2%
3%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is still the most common home in Spring Valley, but it weighs less than in Clark County: 53% against 60%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Spring Valley
Clark County
Nevada
United States
Year built: Spring Valley and its comparisons
Measure
Spring Valley
Clark County
Nevada
United States
Before 1960
1%
3%
5%
26%
1960–1979
11%
15%
17%
24%
1980–1999
42%
38%
37%
25%
2000–2009
26%
29%
26%
14%
2010 or later
20%
16%
15%
11%
The typical year built in Spring Valley is 1999, about the same as in Clark County (1998).
In Spring Valley, 16% of homes have 1 bedroom or none (studios); 56% have 3 bedrooms or more, against 61% in Clark County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K5%
$100K–$200K4%
$200K–$300K12%
$300K–$500K46%
$500K–$750K24%
FHA limit: $541,287
$750K–$1M6%
$1M or more4%
Value of owner-occupied homes: Spring Valley and its comparisons
Measure
Spring Valley
Under $100K
5%
$100K–$200K
4%
$200K–$300K
12%
$300K–$500K
46%
$500K–$750K
24%
$750K–$1M
6%
$1M or more
4%
By price, most homes in Spring Valley sit under the FHA limit for Clark County ($541,287): about 71%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9994%
$1,000–$1,49925%
$1,500–$1,99942%
$2,000–$2,49920%
$2,500–$2,9996%
$3,000 or more4%
Monthly rent with utilities: Spring Valley and its comparisons
Measure
Spring Valley
Under $500
Unreliable estimate
$500–$999
4%
$1,000–$1,499
25%
$1,500–$1,999
42%
$2,000–$2,499
20%
$2,500–$2,999
6%
$3,000 or more
4%
With a mortgage
$1,940 a month
Clark County: $1,928 a month
Without a mortgage
$544 a month
Clark County: $561 a month
Owners with a mortgage
64%
Clark County: 68%
The typical cost for an owner with a mortgage in Spring Valley is $1,940 a month, near the figure in Clark County ($1,928).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Spring ValleyBoundaries changed
Clark County+64%
Nevada+63%
United States+53%
Typical rent
Spring ValleyBoundaries changed
Clark County+44%
Nevada+44%
United States+33%
Typical household income
Spring ValleyBoundaries changed
Clark County+29%
Nevada+30%
United States+29%
Change since 2015–2019: Spring Valley and its comparisons
Measure
Spring Valley
Clark County
Nevada
United States
Typical home value
Boundaries changed
+64%
+63%
+53%
Typical rent
Boundaries changed
+44%
+44%
+33%
Typical household income
Boundaries changed
+29%
+30%
+29%
The boundaries of Spring Valley changed since 2015–2019, so the Census does not compare its figures from then and now. In Clark County, the typical home value rose 64%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Spring Valley and its comparisons
Measure
Spring Valley
Clark County
Nevada
United States
Rental vacancy
3.6%
7.1%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
4.4%
4.7%
4.4%
3.4%
People per household
2.51
2.68
2.62
2.53
Drive alone
71%
71%
71%
69%
Carpool
10%
11%
11%
9%
Public transit
2%
2%
2%
3%
Walk or bike
1%
2%
2%
3%
Work from home
14%
12%
12%
15%
Other means
2%
3%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Spring Valley, the rental vacancy rate is 3.6%; in Clark County, 7.1%.
In Spring Valley, 4.4% of households live with more than one person per room, about the same as in Clark County.
Households in Spring Valley are smaller: 2.51 people on average; in Clark County, 2.68.
To get to work, 71% of workers in Spring Valley drive alone; in Clark County, 71%.
Do the math
What would you pay each month for a home in Spring Valley?
A typical home costs more than the typical income allows
We start with a typical home in Spring Valley, worth $433,800, 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 Spring Valley, which is $74,511 a year. For that payment to be 28% of income, a household would need to earn about $147,379 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 Spring Valley. 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 $15,183 (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
$3,439
at 7.18% · 30 years
Loan amount
$425,943
Total interest
$612,832
Paid off in
November 2056
Includes $7,326 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,739 a month
Tight
$1,739 to $2,235 a month
Hard
more than $2,235 a month
Your payment · 55%
Compared with the typical household income in Spring Valley ($74,511 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,885
Property tax
$181
Home insurance
$181
FHA mortgage insurance (MIP)
$192
You need at least $15,183 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 $3,439; principal and interest $2,885.
The city and its county
Spring Valley and Clark County
Spring 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).
Spring Valley
Map of Clark County, Nevada, with Spring Valley marked. Around it, the neighboring counties.
Spring Valley
Clark County
Other cities with a page
Spring Valley's own numbers
Typical home value
$433,800
Typical monthly rent
$1,743
Typical yearly household income
$74,511
Households that own their home
51%
Effective property tax rate
0.5%
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 Spring Valley is worth $433,800: about the same as the county and about the same as Nevada. With the typical household income in Spring Valley ($74,511 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.
Spring Valley5.8 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
Spring 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
Spring Valley$433,800
Clark$431,000
Nevada$435,400
United States$332,700
Typical monthly rent
Spring Valley$1,743
Clark$1,626
Nevada$1,597
United States$1,413
Typical yearly household income
Spring Valley$74,511
Clark$76,472
Nevada$78,260
United States$80,734
See the full table
Spring Valley next to Clark County and Nevada
Measure
Spring Valley
Clark County
Nevada
U.S.
Typical home value
$433,800
$431,000
$435,400
$332,700
Typical monthly rent
$1,743 ▲7% above the county
$1,626
$1,597
$1,413
Typical yearly household income
$74,511 ▼3% below the county
$76,472
$78,260
$80,734
Households that own their home
51% ▼7 points below the county
58%
60%
65%
Typical yearly property tax
$2,149 ▲4% above the county
$2,057
$2,027
$3,119
Effective property tax rate
0.5% ▲0.02 points above the county
0.48%
0.47%
0.94%
Renters with high rent for their income
56% ▼2 points below 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 Spring Valley
For a typical $433,800 home in Spring Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spring Valley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,439a month
Least cash to close
Down payment
$15,183
Cash to close
$28,197
Rate
7.18%
Mortgage insurance
FHA MIP · $192
Conventional, 5% down$3,359a month
Down payment
$21,690
Cash to close
$34,704
Rate
7.18%
Mortgage insurance
PMI · $206
Conventional, 20% down, no PMI$2,712a month
Down payment
$86,760
Cash to close
$99,774
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,114a month
Down payment
$65,070
Cash to close
$78,084
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Spring Valley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,439
$15,183
$425,943
7.18%
FHA MIP · $192
$28,197
580
Conventional, 5% down
$3,359
$21,690
$412,110
7.18%
PMI · $206
$34,704
620*
Conventional, 20% down, no PMI
$2,712
$86,760
$347,040
7.18%
None
$99,774
620*
ITIN, 15% down (example)
$3,114
$65,070
$368,730
8.18%
None
$78,084
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 Spring Valley is $1,743 a month: 7% above the county. In Spring Valley, 56% 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 Spring Valley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spring Valley has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,570 in 89103 to $1,960 in 89147.
3 of the 5 are above the fair market rent for Clark County ($1,686).
2-bedroom fair market rent in each of the 5 ZIP codes of Spring Valley, beside the one for Clark County. For 2 bedrooms it runs from $1,570 in 89103 to $1,960 in 89147. 3 of the 5 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 (89103)Highest: $1,960 (89147)
Fair market rent by ZIP code and size in Spring Valley, fiscal year 2027.
89103
$1,200
$1,340
$1,570
$2,180
$2,490
89113
$1,500
$1,640
$1,930
$2,650
$3,040
89146
$1,260
$1,380
$1,620
$2,230
$2,550
89147
$1,520
$1,670
$1,960
$2,690
$3,080
89148
$1,460
$1,600
$1,880
$2,580
$2,960
ZIP code2 bd3 bd
89103 $1,570$2,180
89113 $1,930$2,650
89146 $1,620$2,230
89147 $1,960$2,690
89148 $1,880$2,580
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Spring 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 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)
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 Spring 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 Spring Valley 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.
The HUD-approved agencies closest to the center of Spring Valley, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NC
NSC (naca Counseling Subsidiary) - Las Vegas, NV
3030 S Jones Blvd Ste 103, Las Vegas · 3 miles away · Spanish
Short answers with the numbers for Spring 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 Spring Valley?
The typical home value in Spring Valley is $433,800, 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 Spring Valley?
Typical rent in Spring Valley is $1,743 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 Spring Valley?
Spring 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 Spring Valley?
The typical homeowner in Spring Valley pays $2,149 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Clark County, the rate is 0.48%.
Where can I find free help to buy or rent in Spring 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.
