Carson City

Compare Current Carson City, Nevada Mortgage Rates

Compare Carson City, NV mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Carson City.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Carson City. Plus, shopping lenders is free and there is no obligation.

Carson City, NV Mortgage Rates as of February 6, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Carson City, NV Mortgage Rates

February 6, 2023

Current mortgage rates in Carson City, NV are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Carson City, NV Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Carson City, Nevada?

Below we provide helpful information on the real estate market, home prices and housing affordability in Carson City. Understand how much you need to earn to afford a home in Carson City, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Carson City fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Carson City is right for you.

The median home value for Carson City, NV is $363,059

Based on current mortgage rates and a 10% down payment, you need to make $59,486 per year to buy the median priced home in Carson City

With this income, you could qualify for a $326,753 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Carson City is $1,378

The median household income for Carson City, NV is $60,224

Based on this income, you can afford a home valued at approximately $367,565

The home price you can afford to buy based on household income in Carson City is 101% of the median home value which means housing prices are average. Carson City ranks 14 out of 17 counties in Nevada and 3,012 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Carson City, NV is average


Loan Limits for Carson City, Nevada

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Carson City below.

Conforming loan limits for Carson City, NV

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Carson City, NV

1 unit: $448,500
2 units: $574,150
3 units: $694,000
4 units: $862,500

VA loan limits for Carson City, NV

1 unit: $647,200

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