Nevada Mortgage Calculator
See your monthly payment on a Nevada home, including property tax at the state average of 0.59%.
Monthly payment in Nevada
With 20% down, a 30-year loan at 6.5% and Nevada's effective property tax of 0.59%:
| Home price | Principal and interest | Property tax | Insurance (est.) | Total per month |
|---|---|---|---|---|
| $250,000 | $1,264 | $123 | $150 | $1,537 |
| $300,000 | $1,517 | $148 | $150 | $1,814 |
| $400,000 | $2,023 | $197 | $150 | $2,369 |
| $500,000 | $2,528 | $246 | $150 | $2,924 |
| $600,000 | $3,034 | $295 | $150 | $3,479 |
The 6.5% rate is an example. Current rates change weekly; see Freddie Mac for the latest average.
Property tax in Nevada
The effective property tax rate in Nevada is about 0.59% of a home's value each year. On a $400,000 home that is roughly $2,360 a year or $197 a month. Actual bills depend on county, school district and exemptions.
How Nevada property tax compares
The average effective property tax rate across states is about 0.99%. Nevada ranks number 9 of 51 from lowest to highest. States with the closest rates:
| State | Effective rate | Monthly tax on $400,000 |
|---|---|---|
| South Carolina | 0.57% | $190 |
| Utah | 0.57% | $190 |
| West Virginia | 0.57% | $190 |
| Nevada | 0.59% | $197 |
| Delaware | 0.61% | $203 |
| Wyoming | 0.61% | $203 |
| Arizona | 0.62% | $207 |
15-year or 30-year loan?
| Loan on $320,000 at 6.5% | Monthly principal and interest | Total interest |
|---|---|---|
| 30-year fixed | $2,023 | $408,142 |
| 15-year fixed | $2,788 | $181,758 |
A 15-year loan costs more each month but saves a large amount of interest. Property tax and insurance in Nevada come on top of either payment.
Frequently asked questions
How much is a $400,000 mortgage payment in Nevada?
With 20% down at 6.5% for 30 years the payment is about $2,369 a month including estimated tax and insurance.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.