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QUICK ANSWER — 2026 conventional loan limits: Clark County (Las Vegas) is $532,900 for a single-family home. The national floor is $498,257. High-cost areas can go up to $1,149,825. Limits vary by county and property type (1-4 units). Valley West Mortgage can help you find the exact limit for your area.
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Conventional Loan Limits 2026

Clark County (Las Vegas): $532,900. See limits for every Nevada county and nationwide high-cost areas.

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LIMITS

Nevada conventional Loan Limits

County
1-Unit
2-Unit
Clark (Las Vegas)
$532,900
$682,100
Washoe (Reno)
$532,900
$682,100
Nye (Pahrump)
$498,257
$637,950
All Other NV
$498,257
$637,950
FAQ

Questions? Answered.

The 2026 conventional loan limit for Clark County (Las Vegas, Henderson, North Las Vegas) is $532,900 for a single-family home. For a 2-unit property it is $682,100, 3-unit is $824,450, and 4-unit is $1,024,550.

The 2026 national conventional floor is $498,257 for most counties. High-cost areas can go up to $1,149,825. Clark County is classified as a high-cost area at $532,900.

Not with a standard conventional loan. If you need more than the county limit, consider a conventional loan, jumbo loan, or conventional with a larger down payment to stay under the limit. Valley West Mortgage can help you find the best option.

Yes. HUD adjusts conventional loan limits annually based on home price changes in each county. Limits typically increase as home values rise. The 2026 limits were announced in December 2025.

Yes. conventional allows higher limits for 2-4 unit properties since they are more expensive. In Clark County: 1-unit $532,900, 2-unit $682,100, 3-unit $824,450, 4-unit $1,024,550.

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