The calculator below is pre-filled with Washoe County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Nevada's statewide figures.

Washoe County at a glance

Effective property tax rate: 0.82% of home value / year
Median home price: $598,400
Homeowners insurance (avg/year): $1,674
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 32031. Full source list on /methodology.

Washoe County, NV mortgage payment calculator

All-in cost first, always — pre-filled with Washoe County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Related reading

Closing Costs in Nevada: What You'll Actually Pay

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What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

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A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Nevada at a glance

Median home price: $518,600
Typical closing costs: 1.8%–2.8% of price
Transfer tax: 0.39% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Nevada does not exempt a dollar amount of assessed value like FL/TX/PA. Instead, its primary owner-occupant protection is a property tax ABATEMENT that caps annual increases in the tax bill (not the assessed value itself) on an owner-occupied primary residence at 3% per year, versus up to 8% per year for other residential/commercial property — so even if a home's market value jumps 10% in a year, the property tax bill itself can rise by no more than 3%. Separately, Nevada's constitutional homestead law (NRS 115) protects up to $605,000 of home equity from most creditors' claims (a debtor-protection homestead declaration, distinct from the property-tax abatement) — filed with the county recorder, not automatic.

First-time buyer / down payment assistance programs

Home Is Possible (HIP) First-Time Homebuyers Program
Nevada Housing Division's primary down payment assistance program for first-time homebuyers (no home ownership in the prior 3 years) statewide: assistance of up to 4% of the total loan amount, structured as a 30-year, non-forgivable second loan at a fixed interest rate, usable for down payment and/or closing costs, paired with an FHA/VA/USDA/conventional first mortgage.