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Lyon County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Lyon County, Nevada based on real HMDA transaction records.

Loan Details

Lyon County, NV Benchmarks

Conventional averages
Typical Property Value$445,381
Average Down Payment26.3%
Average Interest Rate6.789%
Effective Tax Rate0.50%
Median Tax Paid$1,668/yr
Tax Growth (Historical)+2.1%
Based on 1,264 regional loans totaling $239,150,000 (HMDA database).
$
%

$117,135 down · $328,246 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$186 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,473/mo

  • Principal & Interest$2,138
  • Property Tax$186
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$328,246

Total Interest

$441,337

Total of Payments

$769,583

Local Market Insights

Lyon County Conventional Mortgage Overview

With a 26.25% down payment on a Conventional loan in Lyon County, you are already well above the 20% equity threshold, meaning you avoid Private Mortgage Insurance (PMI) entirely. This strong equity position, reflected in the 73.75% Loan-to-Value ratio, signals excellent buyer credit and reduces monthly costs. The local property tax rate of 0.50% is moderate, but the recent 2.1% inflation-adjusted increase adds a slight upward pressure on true monthly affordability for owner-occupied homes. For anyone using a Conventional loan with taxes in Lyon County, NV, this combination of high down payment and lower LTV creates a stable, low-risk profile.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.