Conventional Loans in
Nevada

11.9% of all Las Vegas home purchases use conventional loans — the 5th highest rate in the nation. Nevada offers no state income tax, property tax exemptions for disabled homebuyers, and up to $20,000 in down payment assistance. Here is your complete Nevada conventional loan guide.

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BY THE NUMBERS

Nevada Conventional Loan Market Data

conventional share of LV purchases

2026 loan limit (Clark Co)

State income tax

LV metro median price

CONVENTIONAL BENEFITS

Nevada Disabled Vet Property Tax Exemptions

Nevada offers property tax exemptions based on your conventional disability rating. These apply on top of the federal conventional closing costs exemption.

Disability Rating

Tax Exemption

Annual Savings (est.)

60-79%

$10,000 off assessed value

~$320/yr

80-99%

$20,000 off assessed value

~$640/yr

100%

Full exemption

$3,200+/yr

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DPA PROGRAMS

Nevada Down Payment Assistance

Even with 5-20% down conventional loans, these programs can cover closing costs and reserves.

$15K

Southern NV Homebuyers

Clark County residents. Income limits apply. Can cover closing costs on conventional loans.

$15K

Henderson First-Time Buyer

Henderson residents. Forgivable over 5 years. Combined with conventional for true $0 out of pocket.

$20K

North Las Vegas Program

NLV residents. Largest DPA in the metro area. Contact our team to check eligibility.

LOCAL GUIDES

Conventional Loans by Area

Las Vegas

Median ~$435K. The Strip corridor, Summerlin, Henderson, Spring Valley.

Henderson

Median ~$460K. Green Valley, Anthem, Lake Las Vegas, MacDonald Highlands.

Phoenix AZ

Median ~$415K. Luke AFB, Scottsdale, Chandler, Mesa, Tempe.

San Diego CA

Limit $1,104,000. Camp Pendleton, MCRD, Coronado, 32nd Street Naval.

FAQ

Nevada conventional Questions

The 2026 conventional loan limit for Clark County (Las Vegas, Henderson, North Las Vegas) is $832,750. However, homebuyers with full equity have NO limit — you can buy any price home with 5-20% down.

No. Nevada has zero state income tax. This is a significant advantage for conventional loan qualification because your full gross income counts toward your debt-to-income ratio without state tax deductions.

Yes. Disabled homebuyers in Nevada receive property tax exemptions: $10,000 off assessed value for 60-79% disability, $20,000 for 80-99%, and full exemption for 100% disability rating.

Las Vegas Air Force Base (North Las Vegas), northwest Las Vegas Air Force Base (Indian Springs), Naval Air Station Fallon, and the Nevada National Guard in Carson City. Las Vegas is the largest, home to the USAF Warfare Center.

Yes. No state income tax, growing economy, 3 home buying installations, and affordable housing compared to California. Clark County has 175,000+ homebuyers.