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Clark County FHA Loan Calculator

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

Loan Details

Clark County, NV Benchmarks

FHA averages
Typical Property Value$416,846
Average Down Payment8.5%
Average Interest Rate6.004%
Effective Tax Rate0.52%
Median Tax Paid$2,057/yr
Tax Growth (Historical)+0.3%
Based on 10,346 regional loans totaling $3,866,220,000 (HMDA database).
$
%

$35,432 down · $381,414 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$181 / month

$

Annual premium

$

Per month

%

$162 / month

Estimated Monthly Payment

$2,819/mo

  • Principal & Interest$2,327
  • Property Tax$181
  • Home Insurance$150
  • FHA MIP$162
Amortization · Remaining Balance

Financed Loan Amount

$388,089

Total Interest

$449,555

Total of Payments

$837,644

*Includes financed FHA Upfront MIP of $6,675

Local Market Insights

Clark County FHA Mortgage Overview

For Clark County homebuyers, the 8.46% average down payment on an FHA loan highlights accessible entry, though mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. With a 91.54% loan-to-value ratio and 100% owner-occupied properties, this data reflects standard buyers, often with sub-620 credit scores. The 0.52% effective property tax rate, adjusted 0.3% for inflation, adds modest monthly costs. When using an FHA loan calculator with PMI and taxes in Clark County, NV, or exploring Clark County FHA mortgage options with property taxes, remember MIP is permanent, making long-term affordability key.

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.