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City · 37,081 residents · Clark County, Nevada

Winchester , Nevada

In Winchester, a typical home is worth $302,800 and typical rent is $1,220 a month. Compared with all of Clark County, typical household income is 34% lower, the typical home value is 30% lower, and the share of households that own their home is 26 points lower.

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  • Typical home value

    $302,800

    30% below the county

    30% below Nevada

    • Winchester
    • Clark
    • Nevada

  • Typical rent

    $1,220a month

    25% below the county

    24% below Nevada

    • Winchester
    • Clark
    • Nevada

  • Typical household income

    $50,120a year

    34% below the county

    36% below Nevada

    • Winchester
    • Clark
    • Nevada

  • Households that own their home

    32%

    26 points below the county

    28 points below Nevada

    • Winchester
    • Clark
    • Nevada

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

Winchester 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 Winchester apart

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

  1. Winchester has the lowest homeownership rate of the 32 cities in Nevada with more than 5,000 people: 32%.

  2. The typical household income in Winchester is $50,120, 34% less than in Clark County as a whole ($76,472).

  3. The typical home in Winchester is worth $302,800, 30% less than in Clark County as a whole ($431,000).

  4. The typical rent in Winchester is $1,220 a month, 25% less than in Clark County as a whole ($1,626).

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

The homes here

Housing in Winchester

What homes there are in Winchester, 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

In Winchester, the apartment is the most common kind of home: 57%, against 24% in Clark County.

Year built

The typical home in Winchester was built in 1978, 20 years before the typical one 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

By price, most homes in Winchester sit under the FHA limit for Clark County ($541,287): about 85%.

Monthly rent with utilities

With a mortgage

$1,645 a month

Clark County: $1,928 a month

Without a mortgage

$561 a month

Clark County: $561 a month

Owners with a mortgage

53%

Clark County: 68%

The typical cost for an owner with a mortgage in Winchester is $1,645 a month, less than in Clark County ($1,928); without one, $561.

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

Winchester 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

MeasureWinchesterClark CountyNevadaUnited States
Rental vacancy 6.8%7.1%6.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room 10.8%4.7%4.4%3.4%
People per household 2.522.682.622.53
Drive alone 64%71%71%69%
Carpool 11%11%11%9%
Public transit 6%2%2%3%
Walk or bike 3%2%2%3%
Work from home 7%12%12%15%
Other means 9%3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Clark County, the rental vacancy rate in Winchester is 6.8%.

More households are short on space in Winchester: 10.8% have more than one person per room; in Clark County, 4.7%.

On average, a household in Winchester has 2.52 people, fewer than in Clark County (2.68).

In Winchester, 6% of workers get to work by public transit; in Clark County, 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 Winchester?

A typical home costs more than the typical income allows

We start with a typical home in Winchester, worth $302,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Winchester, which is $50,120 a year. For that payment to be 28% of income, a household would need to earn about $100,927 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 Winchester. 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 $10,598 (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

$2,355

at 7.18% · 30 years

Loan amount
$297,316
Total interest
$427,767
Paid off in
November 2056

Includes $5,114 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,169 a month

  • Tight

    $1,169 to $1,504 a month

  • Hard

    more than $1,504 a month

    Your payment · 56%

Compared with the typical household income in Winchester ($50,120 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,355
Principal & interest$2,014
Property tax$81
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,598 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

Winchester and Clark County

Winchester 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).

Winchester's own numbers

Typical home value
$302,800
Typical monthly rent
$1,220
Typical yearly household income
$50,120
Households that own their home
32%
Effective property tax rate
0.32%

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 Winchester

A typical home in Winchester is worth $302,800: 30% below the county and 30% below Nevada. With the typical household income in Winchester ($50,120 a year), a typical home costs 6.0 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.

  • Winchester 6.0 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

Winchester 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
  • Winchester $302,800
  • Clark $431,000
  • Nevada $435,400
  • United States $332,700
Typical monthly rent
  • Winchester $1,220
  • Clark $1,626
  • Nevada $1,597
  • United States $1,413
Typical yearly household income
  • Winchester $50,120
  • Clark $76,472
  • Nevada $78,260
  • United States $80,734
See the full table
Winchester next to Clark County and Nevada
Measure Winchester Clark County Nevada U.S.
Typical home value $302,800 $431,000 $435,400 $332,700
Typical monthly rent $1,220 $1,626 $1,597 $1,413
Typical yearly household income $50,120 $76,472 $78,260 $80,734
Households that own their home 32% 58% 60% 65%
Typical yearly property tax $979 $2,057 $2,027 $3,119
Effective property tax rate 0.32% 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 Winchester

For a typical $302,800 home in Winchester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winchester's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,355a month

    Least cash to close
    Down payment
    $10,598
    Cash to close
    $19,682
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,299a month

    Down payment
    $15,140
    Cash to close
    $24,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $1,848a month

    Down payment
    $60,560
    Cash to close
    $69,644
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,128a month

    Down payment
    $45,420
    Cash to close
    $54,504
    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 Winchester and for Clark County.

Property tax

Effective rate in Winchester

0.32%of the home’s value each year

$979 a year for the typical owner in Winchester.

  • Winchester 0.32%
  • 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 Winchester

Typical rent in Winchester is $1,220 a month: 25% below the county. In Winchester, 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 Winchester

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winchester has 3 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).

  • 89109 $1,570$2,180
  • 89121 $1,570$2,180
  • 89169 $1,570$2,180

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winchester 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 Winchester

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 Winchester

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

Which programs do I qualify for? All programs in Nevada

Housing counselors near Winchester

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

  • Southern Nevada Regional Housing Authority (SNRHA)

    340 N 11th St, Las Vegas · 2 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (702) 477-3183

  • Chicanos Por La Causa Inc.

    555 N Maryland Pkwy, Las Vegas · 3 miles away · Spanish

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

  • Neighborhood Housing Services of Southern Nevada

    1849 Civic Center Dr, North Las Vegas · 4 miles away · Spanish

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

Every agency in Clark County All counseling agencies in Nevada

Help in Spanish near Winchester

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 Winchester

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Winchester

Short answers with the numbers for Winchester 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 Winchester?

The typical home value in Winchester is $302,800, 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 Winchester?

Typical rent in Winchester is $1,220 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 Winchester?

Winchester 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 Winchester?

The typical homeowner in Winchester pays $979 a year, according to the U.S. Census Bureau. That is 0.32% of the home’s value; in Clark County, the rate is 0.48%.

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

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).