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Mortgage Calculator &
Closing Costs: Winnemucca, NV

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Winnemucca, Nevada.

Median Home Price
$295K
Population
8K
Avg Monthly Rent
$1,150
Property Tax Rate
0.53%
Winnemucca vs Nevada Median
The median home price in Winnemucca is $295,000, which is 31% below the Nevada state median of $425,000.

Mortgage Calculator — Winnemucca, NV

Pre-filled with Winnemucca median home price and Nevada tax/insurance rates. Adjust for your property.

$
$59,000
%
%
years
NV avg
%
$
Monthly Payment (PITI)
$1,764
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,492
per month
Taxes & Insurance
$272
per month
Total Interest Paid
$301K
over 30 years
Total Loan Cost
$537K
all payments
Payment Breakdown
Loan Amount$236,000
Principal & Interest$1,492
Property Taxes$130
Homeowners Insurance$142
Total Monthly PITI$1,764

Closing Costs — Winnemucca, NV

Estimated closing costs based on Nevada rates and fees applied to Winnemucca prices.

$
%
Nevada: Avg closing costs 1.5% of price. Transfer tax: 0.52%.
Estimated Closing Costs
$10,482
3.6% of purchase price
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Lender Fees
$2,549
origination, underwriting
Third-Party
$2,925
appraisal, title, inspection
Government Fees
$1,534
transfer taxes, recording
Prepaids + Escrow
$3,474
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,124
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,775
Recording Fee$150
Transfer Tax$1,534
Prepaid Taxes (3 mo)$391
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$709
Escrow Reserves$674
Total Closing Costs$10,482

Buying a Home in Winnemucca, Nevada

The median home price in Winnemucca is $295,000, 31% below the Nevada state median of $425,000. With a population of 8,282, Winnemucca is a smaller market 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 Winnemucca 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 Winnemucca is $1,150/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.

Winnemucca presents moderate affordability. The $295K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Winnemucca.
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