NV mortgage rates

Clark County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Clark County, Nevada. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Clark County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Clark County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Clark

A local view of the market.

The real estate market in Clark County, NV, has experienced steady growth in recent years, particularly in home values. The median household value increased significantly, from $212,300 in 2017 to $430,000 in 2024. This rise reflects the overall demand and expansion in housing, supported by an increasing population and a thriving local economy. Clark County is home to several key cities, with Las Vegas being the largest, boasting a population of 656,302 as of 2022. Henderson follows with 331,408 residents, offering a more suburban lifestyle, while North Las Vegas has grown to 280,539. Boulder City, a smaller city known for its proximity to the Hoover Dam, has a population of 14,868. Living in Clark County offers a mix of urban, suburban, and rural experiences. While Las Vegas and its surrounding areas are more urban and suburban, offering modern amenities, other parts of the county maintain a rural feel, with open spaces and a focus on industries like tourism, entertainment, and light manufacturing. Agriculture plays a smaller role due to the arid climate, but the diversity of the region’s landscapes allows for varied living experiences.

County snapshot

Market context.

NV

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaLas Vegas-Henderson-ParadiseMapped market area
Area code29820CBSA / MSA reference
Featured communitiesLas Vegas · Henderson · North Las VegasFrom the county record
Data year2026Aligned with this limit record
Las VegasHendersonNorth Las Vegas
Top cities & communities

Communities to explore.

Las VegasHendersonNorth Las VegasMesquite
Questions & Answers

Refinancing in Clark County

Common questions about 2026 loan limits and refinancing opportunities in Nevada.

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