Las Vegas

Current Mortgage Rates in Las Vegas, Nevada

Compare mortgage rates and fees for leading lenders in Las Vegas, NV. 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 lender offering the best mortgage rates in Las Vegas.

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

Mortgage Rates in Las Vegas, NV as of September 20, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Las Vegas, NV Mortgage Rates Compare?

September 20, 2020

The current average rate for a 30 year fixed rate mortgage in Las Vegas is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Las Vegas, NV Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Las Vegas, Nevada?

Below we provide helpful information on the real estate market, home prices and housing affordability in Las Vegas. Understand how much you need to earn to afford a home in Las Vegas, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Las Vegas 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 Las Vegas is right for you.

The median home value for Las Vegas, NV (Clark County) is $330,546

Based on current mortgage rates and a 10% down payment, you need to make $59,490 per year to buy the median priced home in Las Vegas

With this income, you could qualify for a $297,491 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 Las Vegas is $1,378

The median household income for Las Vegas, NV (Clark County) is $57,881

Based on this income, you can afford a home valued at approximately $321,606

The home price you can afford to buy based on household income in Las Vegas is 97% of the median home value which means housing prices are expensive. Las Vegas (Clark County) ranks 15 out of 17 counties in Nevada and 3,011 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Las Vegas, NV is expensive


Loan Limits for Las Vegas, Nevada

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Las Vegas (Clark County) below.

Conforming loan limits for Las Vegas, NV

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Las Vegas, NV

1 unit: $345,000
2 units: $441,650
3 units: $533,850
4 units: $663,450

VA loan limits for Las Vegas, NV

1 unit: $510,400

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