Clark County Mortgage Calculator
On the Clark County median home price of $401,000, a 20%-down, 30-year loan at today's 6.47% rate runs about $2,336/month — $2,021 principal & interest, $167 property tax at Clark County's 0.5% effective rate, and $148 homeowners insurance. That is the same as the Nevada state-average tax rate would cost on the same home. Enter your own price and down payment below.
$2,336 /mo
P&I: $2,021 · Tax: $167 · Insurance: $148
Loan amount: $320,800 · Total interest: $406,886
Yearly amortization schedule
| Year | Interest | Principal | PMI | Balance |
|---|---|---|---|---|
| 1 | $20,650 | $3,606 | — | $317,194 |
| 2 | $20,410 | $3,846 | — | $313,347 |
| 3 | $20,153 | $4,103 | — | $309,245 |
| 4 | $19,880 | $4,376 | — | $304,868 |
| 5 | $19,588 | $4,668 | — | $300,200 |
| 6 | $19,277 | $4,979 | — | $295,221 |
| 7 | $18,945 | $5,311 | — | $289,910 |
| 8 | $18,591 | $5,665 | — | $284,245 |
| 9 | $18,214 | $6,043 | — | $278,202 |
| 10 | $17,811 | $6,445 | — | $271,757 |
| 11 | $17,381 | $6,875 | — | $264,882 |
| 12 | $16,923 | $7,333 | — | $257,549 |
| 13 | $16,434 | $7,822 | — | $249,727 |
| 14 | $15,913 | $8,343 | — | $241,383 |
| 15 | $15,357 | $8,900 | — | $232,484 |
| 16 | $14,763 | $9,493 | — | $222,991 |
| 17 | $14,131 | $10,125 | — | $212,865 |
| 18 | $13,456 | $10,800 | — | $202,065 |
| 19 | $12,736 | $11,520 | — | $190,545 |
| 20 | $11,968 | $12,288 | — | $178,257 |
| 21 | $11,149 | $13,107 | — | $165,150 |
| 22 | $10,275 | $13,981 | — | $151,169 |
| 23 | $9,344 | $14,913 | — | $136,256 |
| 24 | $8,350 | $15,907 | — | $120,350 |
| 25 | $7,289 | $16,967 | — | $103,383 |
| 26 | $6,158 | $18,098 | — | $85,285 |
| 27 | $4,952 | $19,304 | — | $65,981 |
| 28 | $3,665 | $20,591 | — | $45,390 |
| 29 | $2,293 | $21,963 | — | $23,427 |
| 30 | $829 | $23,427 | — | $0 |
Rates: Freddie Mac PMMS (wk 2026-06-18). Property tax: Tax Foundation. Insurance: Insurance.com. PMI applies when your down payment is under 20% (LTV > 80%). You can request cancellation at 80% LTV; the servicer must auto-terminate it at 78% (Homeowners Protection Act). How we calculate →
Monthly payment breakdown for a Clark County home
At the Clark County median home price of $401,000, a conventional 30-year loan at 6.47% with 20% down splits into: $2,021 principal & interest, $167 property tax, and $148 homeowners insurance — a total PITI of $2,336/month.
The property tax line uses Clark County's real effective rate of 0.5% (median tax bill of $1,990 on a median home value of $400,800, US Census ACS), not a generic national average — so this figure reflects what Clark County actually charges, before any local exemption.
Clark County vs the Nevada state average property tax rate
Clark County's 0.5% effective property tax rate is in line with Nevada's 0.5% state average. On the same $401,000 home, that difference works out to no change in the tax line of the mortgage payment compared with paying the Nevada average rate instead of Clark County's.
Property tax is set locally — by the county, city and school district — so the state average is only a rough guide. Two otherwise identical Nevada homes in different counties can carry meaningfully different monthly payments purely because of where the tax rate lands.
What the Clark County median buys vs a $400,000 national budget
A $400,000 home taxed at Clark County's 0.5% rate and insured at Nevada's average would run about $2,331/month — $5 less than the Clark County county median payment of $2,336/month, since Clark County's median home price ($401,000) is $1,000 above the $400,000 reference used elsewhere on this site.
In other words, price — not tax rate — usually drives the biggest gap between a Clark County payment and a generic national estimate. Use the calculator above to swap in your own target price.
PMI in Clark County if you put down less than 20%
Putting 10% down instead of 20% on the same $401,000 Clark County home adds private mortgage insurance (PMI) of about $241/month, bringing the total payment to roughly $2,830/month instead of $2,336. PMI is required on conventional loans below 20% down and cancels automatically once your loan balance reaches 78% of the original price.
Clark County mortgage — frequently asked questions
How much is a mortgage payment in Clark County?
On the Clark County median home price of $401,000, a 20%-down 30-year loan at 6.47% runs about $2,336/month total (principal, interest, property tax and insurance).
What is the property tax on the median home in Clark County?
Clark County's effective property tax rate is 0.5%, which works out to about $167/month ($2,005/year) on the $401,000 county median home value.
How does Clark County property tax compare to the rest of Nevada?
Clark County's 0.5% effective rate is in line with the Nevada state average of 0.5%, a difference of about $0/month on a $401,000 home.
What income do I need to afford a home in Clark County?
Using the common 28%-of-gross-income guideline against the $2,336/month PITI payment on the Clark County median home, that implies a gross annual income of roughly $100,126.
How much does PMI cost in Clark County with less than 20% down?
Putting 10% down on the $401,000 Clark County median home adds about $241/month in PMI, for a total payment near $2,830/month instead of $2,336.
What's included in a Clark County mortgage payment?
PITI: principal and interest together $2,021, property tax $167 at Clark County's 0.5% rate, and homeowners insurance $148 at the Nevada state average — no HOA dues assumed unless you add them above.
More Nevada counties in this pilot
Nevada mortgage calculator · Clark County property tax deep-dive — the full county-by-county property tax breakdown behind this payment estimate.
Mortgage calculators in other pilot counties
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →