In Whitney, a typical home is worth $329,000 and typical rent is $1,574 a month. Compared with all of Clark County, the typical home value is 24% lower and typical household income is 12% lower.
Whitney 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 rent is $1,220: 22% less than in Whitney ($1,574).
2
The typical home in Whitney is worth $329,000,24% less than in Clark County as a whole ($431,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Whitney
What homes there are in Whitney, 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
Whitney
Clark County
Nevada
United States
Kind of home: Whitney and its comparisons
Measure
Whitney
Clark County
Nevada
United States
Detached house
53%
60%
60%
61%
Attached house
8%
6%
5%
6%
Building of 2 to 4
8%
8%
7%
8%
Apartments (5 or more)
27%
24%
22%
19%
Mobile home
4%
3%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Whitney, 5 in 10 homes are single-family detached houses; in Clark County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Whitney
Clark County
Nevada
United States
Year built: Whitney and its comparisons
Measure
Whitney
Clark County
Nevada
United States
Before 1960
Unreliable estimate
3%
5%
26%
1960–1979
11%
15%
17%
24%
1980–1999
31%
38%
37%
25%
2000–2009
48%
29%
26%
14%
2010 or later
10%
16%
15%
11%
Homes in Whitney are newer: the typical year built is 2002; in Clark County, 1998.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K6%
$100K–$200K10%
$200K–$300K23%
$300K–$500K56%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Whitney and its comparisons
Measure
Whitney
Under $100K
6%
$100K–$200K
10%
$200K–$300K
23%
$300K–$500K
56%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 95% of owner-occupied homes in Whitney sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99912%
$1,000–$1,49931%
$1,500–$1,99935%
$2,000–$2,49917%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Whitney and its comparisons
Measure
Whitney
Under $500
Unreliable estimate
$500–$999
12%
$1,000–$1,499
31%
$1,500–$1,999
35%
$2,000–$2,499
17%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,506 a month
Clark County: $1,928 a month
Without a mortgage
$406 a month
Clark County: $561 a month
Owners with a mortgage
68%
Clark County: 68%
The typical cost for an owner with a mortgage in Whitney is $1,506 a month, less than in Clark County ($1,928); without one, $406.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Whitney+79%
Clark County+64%
Nevada+63%
United States+53%
Typical rent
Whitney+41%
Clark County+44%
Nevada+44%
United States+33%
Typical household income
Whitney+35%
Clark County+29%
Nevada+30%
United States+29%
Change since 2015–2019: Whitney and its comparisons
Measure
Whitney
Clark County
Nevada
United States
Typical home value
+79%
+64%
+63%
+53%
Typical rent
+41%
+44%
+44%
+33%
Typical household income
+35%
+29%
+30%
+29%
From 2015–2019 to 2020–2024, the typical home value in Whitney rose 79%; in Clark County, it rose 64%.
The typical rent in Whitney rose 41% since 2015–2019, about the same as in Clark County (44%).
The typical household income in Whitney rose 35%: less than home values (+79%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Whitney and its comparisons
Measure
Whitney
Clark County
Nevada
United States
Rental vacancy
15.1%
7.1%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
6.9%
4.7%
4.4%
3.4%
People per household
2.90
2.68
2.62
2.53
Drive alone
76%
71%
71%
69%
Carpool
11%
11%
11%
9%
Public transit
2%
2%
2%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
12%
12%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Whitney is 15.1%, higher than in Clark County (7.1%).
More than one person per room: that is how 6.9% of households in Whitney live, more than in Clark County (4.7%).
On average, a household in Whitney has 2.90 people, more than in Clark County (2.68).
To get to work, 76% of workers in Whitney drive alone; in Clark County, 71%.
Do the math
What would you pay each month for a home in Whitney?
A typical home costs more than the typical income allows
We start with a typical home in Whitney, worth $329,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Whitney, which is $67,155 a year. For that payment to be 28% of income, a household would need to earn about $110,247 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 Whitney. 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 $11,515 (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
$2,572
at 7.18% · 30 years
Loan amount
$323,041
Total interest
$464,780
Paid off in
November 2056
Includes $5,556 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,567 a month
Tight
$1,567 to $2,015 a month
Hard
more than $2,015 a month
Your payment · 46%
Compared with the typical household income in Whitney ($67,155 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,188
Property tax
$101
Home insurance
$137
FHA mortgage insurance (MIP)
$146
You need at least $11,515 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 $2,572; principal and interest $2,188.
The city and its county
Whitney and Clark County
Whitney 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).
Whitney
Map of Clark County, Nevada, with Whitney marked. Around it, the neighboring counties.
Whitney
Clark County
Other cities with a page
Whitney's own numbers
Typical home value
$329,000
Typical monthly rent
$1,574
Typical yearly household income
$67,155
Households that own their home
55%
Effective property tax rate
0.37%
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 Whitney is worth $329,000: 24% below the county and 24% below Nevada. With the typical household income in Whitney ($67,155 a year), a typical home costs 4.9 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.
Whitney4.9 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
Whitney 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
Whitney$329,000
Clark$431,000
Nevada$435,400
United States$332,700
Typical monthly rent
Whitney$1,574
Clark$1,626
Nevada$1,597
United States$1,413
Typical yearly household income
Whitney$67,155
Clark$76,472
Nevada$78,260
United States$80,734
See the full table
Whitney next to Clark County and Nevada
Measure
Whitney
Clark County
Nevada
U.S.
Typical home value
$329,000 ▼24% below the county
$431,000
$435,400
$332,700
Typical monthly rent
$1,574 ▼3% below the county
$1,626
$1,597
$1,413
Typical yearly household income
$67,155 ▼12% below the county
$76,472
$78,260
$80,734
Households that own their home
55% ▼3 points below the county
58%
60%
65%
Typical yearly property tax
$1,219 ▼41% below the county
$2,057
$2,027
$3,119
Effective property tax rate
0.37% ▼0.11 points below the county
0.48%
0.47%
0.94%
Renters with high rent for their income
54% ▼3 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 Whitney
For a typical $329,000 home in Whitney, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Whitney's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,572a month
Least cash to close
Down payment
$11,515
Cash to close
$21,385
Rate
7.18%
Mortgage insurance
FHA MIP · $146
Conventional, 5% down$2,512a month
Down payment
$16,450
Cash to close
$26,320
Rate
7.18%
Mortgage insurance
PMI · $156
Conventional, 20% down, no PMI$2,022a month
Down payment
$65,800
Cash to close
$75,670
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,326a month
Down payment
$49,350
Cash to close
$59,220
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Whitney
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,572
$11,515
$323,041
7.18%
FHA MIP · $146
$21,385
580
Conventional, 5% down
$2,512
$16,450
$312,550
7.18%
PMI · $156
$26,320
620*
Conventional, 20% down, no PMI
$2,022
$65,800
$263,200
7.18%
None
$75,670
620*
ITIN, 15% down (example)
$2,326
$49,350
$279,650
8.18%
None
$59,220
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 Whitney is $1,574 a month: 3% below the county. In Whitney, 54% 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 Whitney
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Whitney is in ZIP code 89122.
For 2 bedrooms it is $1,570: $116 less than the fair market rent for Clark County ($1,686).
Fair market rent by ZIP code and size in Whitney, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
89122
$1,200
$1,340
$1,570
$2,180
$2,490
ZIP code2 bd3 bd
89122 $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 Whitney 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 Whitney 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 Whitney 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 Whitney 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 Whitney?
The typical home value in Whitney is $329,000, 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 Whitney?
Typical rent in Whitney is $1,574 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 Whitney?
Whitney 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 Whitney?
The typical homeowner in Whitney pays $1,219 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Clark County, the rate is 0.48%.
Where can I find free help to buy or rent in Whitney?
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.
