Mortgage Calculator & Closing Costs: North Las Vegas, NV
Mortgage payment estimates, closing cost breakdowns, and homebuying data for North Las Vegas, Nevada.
Median Home Price
$385K
Population
263K
Avg Monthly Rent
$1,450
Property Tax Rate
0.53% *
* Property tax shown is the Nevada state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in North Las Vegas.
North Las Vegas vs Nevada Median
The median home price in North Las Vegas is $385,000, which is 9% below the Nevada state median of $425,000.
Mortgage Calculator — North Las Vegas, NV
Pre-filled with North Las Vegas median home price and Nevada tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $385K home using Nevada's 0.53% tax rate and $1,700/yr insurance.
5% Down
$2,837/mo
Down: $19,250
Loan: $366K
P&I: $2,312
Tax: $170
Insurance: $142
PMI: $213
10% Down
$2,704/mo
Down: $38,500
Loan: $347K
P&I: $2,190
Tax: $170
Insurance: $142
PMI: $202
20% Down (No PMI)
$2,258/mo
Down: $77,000
Loan: $308K
P&I: $1,947
Tax: $170
Insurance: $142
Income needed (28% rule): $97K/year with 20% down, $116K/year with 10% down.
Rent vs Buy in North Las Vegas
Rent
$1,450/mo
vs
Buy (10% down)
$2,704/mo
Price-to-rent ratio: 22.1 — At a ratio above 20, renting may be more economical in North Las Vegas for shorter stays. Buying costs $1,254 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in North Las Vegas is $385,000, 9% below the Nevada state median of $425,000. With a population of 262,527, North Las Vegas is a mid-size city where home prices tend to be more accessible than in many parts of Nevada.
Property taxes in Nevada average 0.53% annually. This low property tax rate is a significant advantage for North Las Vegas buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Nevada runs approximately $1,700 per year. This is within the normal range nationally.
Average rent in North Las Vegas is $1,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
North Las Vegas presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in North Las Vegas.