Baseline
Step 1
$832,750
The 2026 FHFA conforming baseline for one-unit homes.
Set by FHFAClark County · Nevada · 2026 · Conventional
2026 conforming
loan limit
The most you can borrow on a conventional loan in Clark County before it becomes a jumbo — the 2026 FHFA baseline for Las Vegas.
4.9★ rated 5,200+ Las Vegas families NMLS #65506
Quick answer
The 2026 conforming (conventional) loan limit for a single-family home in Clark County, Nevada is $832,750 — the standard FHFA baseline, up from $806,500 in 2025. Las Vegas isn’t a high-cost area, so no elevated limit applies; above $832,750 is a jumbo loan. Ready to see if you qualify? Review Nevada conventional loan requirements or check today’s rates. Updated June 2026.
Check conventional eligibilityValley West Mortgage · direct local Las Vegas lender · NMLS #65506 · Equal Housing Lender · Not a commitment to lend · Subject to credit approval · Updated June 25, 2026
$832,750 single-familyThe 2026 FHFA baseline.
Not a high-cost areaLas Vegas gets the standard limit.
Above it = jumboLarger loans price differently.
PMI cancels at 20%Unlike FHA, it isn’t permanent.
The jumbo line
Where conforming ends and jumbo begins
For 2026, the needle sits at $832,750. At or below it, a Clark County loan is conforming and priced to Fannie Mae / Freddie Mac guidelines. Above it, the loan is jumbo — different underwriting, different pricing.
Las Vegas isn’t a high-cost county, so the standard baseline is the whole story here.
$832,750
Conforming below · Jumbo above
Where you land
Conforming or jumbo? Find your price
Drag the handle or type a price. We’ll show whether it stays conforming or crosses into jumbo above $832,750.
$832,750conforming limit
$300k$1.6M
Above the limit? A jumbo loan may fit — we price both.
Talk to a local specialist about jumboBy property type
2026 conforming limits, 1–4 units
Conforming limits step up for multi-unit properties — the same FHFA schedule applies across Clark County.
Source: FHFA Conforming Loan Limits, 2026 — Clark County, Nevada.
| Property type | 2026 limit |
|---|---|
| 1-unit | $832,750 |
| 2-unit | $1,066,050 |
| 3-unit | $1,288,800 |
| 4-unit | $1,601,650 |
How the limit is set
Six things that set the 2026 conforming limit
Why Las Vegas gets the standard baseline — and where jumbo begins.
Multiplier
Step 2
× 1.0
No high-cost multiplier applies to Clark County.
No multiplierYour limit
Result
$832,750
The 2026 conforming limit for Las Vegas single-family homes.
1-unit · 2026Not high-cost
Why
Standard limit
Local median prices stay under the elevated-limit threshold.
Below thresholdUpdated yearly
Cadence
Set annually
The FHFA recalculates conforming limits every year.
Recalculated yearlyAbove the limit
Next
Jumbo
Anything over $832,750 is a jumbo loan with its own rules.
We underwrite bothCash at the limit
3% down at the conforming limit
Conventional starts at 3% down for eligible buyers. Slide to see the cash and loan amount at the top of the conforming range.
3% down at $832,750
PMI applies under 20% down and cancels at 20% equity — it isn’t permanent like FHA insurance. See today’s conventional rates to estimate your full monthly cost.
3%
Open the full calculator
Cash down at the limit
$0
on a $832,750 home at the limit
Purchase price (at limit)$832,750
Down payment$0
Loan amount$0
PMI (under 20% down)cancels at 20% equity
Estimate only — not a Loan Estimate, rate quote, or commitment to lend. PMI and pricing depend on credit and loan-to-value. Actual payment excludes taxes and insurance; actual payment will be higher. Subject to credit approval. NMLS #65506.
Across the valley
One conforming limit, valley-wide
The $832,750 single-family conforming limit is identical in Las Vegas, Henderson, and North Las Vegas — Clark County is one limit area.
Las Vegas
$832,750
$478kMedian price
2.9 moSupply
Most homes price well under the limit, so conforming covers the bulk of the market.
Balanced market — real room to negotiate
Henderson
$832,750
$540kMedian price
2.6 moSupply
Premium and luxury pockets are where buyers most often cross into jumbo.
Premium pockets push past the floor
North Las Vegas
$832,750
$430kMedian price
3.1 moSupply
Lower price points keep nearly every purchase comfortably conforming.
Newer master-planned value
Compare the programs
FHA, conventional & VA, side by side
Three programs, three limits — compare them, then open any program’s 2026 limit page.
FHA loan
FHA
$541,287
Single-family FHA floor for Clark County. 3.5% down, FICO 580+.
FHA detailsConventional
Conventional
$832,750
The FHFA conforming baseline. Above it, the loan is jumbo.
Conforming detailsVA loan
VA
No cap
Full entitlement has no limit. $0 down for eligible Veterans.
VA details
Disclosures
This is an advertisement and not a commitment to lend. Loan limits change annually — verify current figures with the FHFA before relying on them. The 2026 conforming single-family limit shown ($832,750) is the standard baseline for Clark County, Nevada; multi-unit figures follow the FHFA schedule. Valley West Mortgage is a direct lender and is not affiliated with or endorsed by the FHFA, Fannie Mae, or Freddie Mac. All loans subject to borrower and property qualification, underwriting, and credit approval. Equal Housing Lender · NMLS #65506 · verify licensing at nmlsconsumeraccess.org.
Frequently asked
Conforming limits, answered.
What is the conforming loan limit in Las Vegas for 2026?
$832,750 for a single-family home in Clark County. That is the standard FHFA conforming baseline; Las Vegas is not a designated high-cost area, so no elevated limit applies. Loans above $832,750 are jumbo.
Does Clark County get a high-cost conforming limit?
No. High-cost limits apply only where local median prices are well above the national baseline. Clark County (Las Vegas) sits below that threshold for 2026, so the single-family conforming limit is the standard $832,750.
When does PMI come off a conventional loan?
Private mortgage insurance can be requested for removal at about 20% equity (80% loan-to-value) and terminates automatically by law at 78% of the original value. Unlike FHA MIP, conventional PMI is not permanent.
What credit score do I need for a conventional loan?
Conventional loans generally start around a 620 FICO, with the best pricing at 740 or higher. Programs like HomeReady and Home Possible allow as little as 3% down for eligible buyers.
Did the conforming loan limit increase from 2025 to 2026?
Yes. The FHFA raised the standard conforming loan limit from $806,500 in 2025 to $832,750 in 2026 — an increase of $26,250 for a single-family home. Clark County uses the standard baseline. See current figures at fhfa.gov.
Is a conventional loan better than FHA in Clark County?
It depends on your credit and down payment. The 2026 FHA limit for Clark County is $541,287 versus $832,750 for conventional. Conventional PMI cancels at 20% equity; FHA MIP is permanent for most borrowers who put less than 10% down. Borrowers with a 620+ FICO and 5%+ down often find conventional costs less over the life of the loan. Use our calculator to compare side by side.
What are the 2026 conforming limits for multi-unit properties in Clark County?
The 2026 FHFA conforming limits for Clark County, Nevada are: 1-unit $832,750; 2-unit $1,066,050; 3-unit $1,288,800; 4-unit $1,601,650. Loans above these figures are jumbo. Source: FHFA Conforming Loan Limits, 2026.
From the families we serve
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Customer experiences may vary. Reviews do not guarantee loan approval, rates, terms, or outcomes.
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