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QUICK ANSWER — conventional loans in Pahrump NV: 620+ credit for 5-20% down. Nye County conventional limit $498,257. Median home price $310K means just $10,850 down. Pahrump is 60 miles from Las Vegas with much lower home prices. Valley West Mortgage. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Loans Pahrump, NV

Nye County conventional limit $498,257. Median home $310K — just $10,850 down. 60 miles from Las Vegas. No state income tax.

Check What You Qualify For →(702) 696-9900
790+
Five-Star Reviews
3.5%
Min Down
50+
Lenders
28
Days Avg
PAHRUMP FHA

Pahrump conventional Quick Facts

Conventional limit: $498,257
Median home: $310,000
Min down (3.5%): $10,850
Property tax: ~0.69%
State income tax: $0
Distance to LV: 60 miles
AFFORDABILITY

Why Pahrump Is FHA-Friendly

$10,850
5-20% Down

On the $310K median — far less than Las Vegas.

$1,920
Est. Monthly

P&I + PMI on $310K at 5.75%. Very affordable.

$0
State Income Tax

Nevada has no state income tax. More money for your mortgage.

Upscale home exterior
FAQ

Questions? Answered.

Nye County (Pahrump) has the national conventional floor of $498,257 for 2026. The $310K median home price is well within this limit.

Yes. Very affordable — $310K median with $10,850 down. Low property taxes. No state income tax. Growing community 60 miles from Las Vegas.

Yes. Many buyers commute the 60-mile drive for Pahrump affordability. The savings of $100K+ vs Las Vegas home prices makes the commute worthwhile for many.

Yes. Valley West is licensed in Nevada and serves all counties including Nye County (Pahrump). Apply online from anywhere.

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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank."

— Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days."

— Henderson
★★★★★

"Refinanced from FHA to conventional. Saving $350/month."

— North Las Vegas

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Conventional Resources

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(702) 696-9900Check Conventional Rate