Run a full monthly payment on any price, not just principal and interest. The calculator below includes property taxes, homeowners insurance, HOA dues and mortgage insurance, which is where most online estimates fall short by several hundred dollars a month.
Principal and interest, Clark County property taxes, homeowners insurance, HOA dues and private mortgage insurance when your down payment is under twenty percent. Change any input and the total updates.
Property taxes are assessed by the county, and owner-occupied homes are capped. Nevada limits how fast the taxable amount on a primary residence can rise year over year, so the seller's current tax bill is often lower than what a new buyer will pay. Ask for the tax figure that applies after the sale, not the one on the listing.
SID and LID assessments are not in any calculator, including this one. Parts of Summerlin, Inspirada, Cadence and Skye Canyon carry special improvement district assessments that sit on top of the tax bill until they are paid off. They can be paid down at closing or carried. Always ask whether a specific address has one.
Almost every home here is in an HOA, and guard-gated is its own tier. A standard suburban HOA and a staffed-gate community are different line items. If the home is in a master plan you may be paying a master association and a sub-association.
A calculator gets you a range. For an actual payment on an actual address, with the right tax figure and the right HOA, call us at (702) 830-9366 or get pre-approved first. If you are selling, start with what your home is worth, and if you are buying from out of state, read how we handle long distance purchases.