NV mortgage rates

Lyon County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Lyon 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

Lyon 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$638,250
2 units$817,050
3 units$987,650
4 units$1,227,400

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 Lyon 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 Lyon

A local view of the market.

The real estate market in Lyon County, NV, has shown steady growth, with the median household value rising to $399,000 in 2024. The county’s proximity to larger cities like Reno and Carson City has driven demand, particularly in suburban and semi-rural areas. The largest city is Fernley, with a population of around 22,000. Other notable towns include Yerington (3,100) and Dayton (15,000). These communities have seen growth due to their proximity to job opportunities in the Reno area. Lyon County offers a mix of suburban and rural living. Agriculture, particularly farming and ranching, remains a key industry, although the county is seeing increasing residential development. The proximity to urban centers makes it a popular choice for commuters looking for a quieter lifestyle.

County snapshot

Market context.

NV

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

Market areaFernleyMapped market area
Area code22280CBSA / MSA reference
Featured communityFernleyFrom the county record
Data year2026Aligned with this limit record
Fernley
Top cities & communities

Communities to explore.

Fernley
Questions & Answers

Refinancing in Lyon County

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

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