📍 Zip Code 89101 · Las Vegas, NV · Clark County

Mortgage Costs in 89101
Las Vegas, NV

Real 2026 data · Property tax 0.7% · 7.1% mortgage rate
$390,000
Median Home Price
$2,487
All-In Monthly (20% down)
$106,575
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 89101 (Las Vegas, NV)

Cost Item
20% Down ($78,000)
10% Down ($39,000)
Principal & Interest
$2,097/mo
$2,359/mo
Property Tax (0.7%)
$228/mo
$228/mo
Home Insurance (~0.5%)
$162/mo
$162/mo
PMI (if <20% down)
$176/mo
Total All-In
$2,487/mo
$2,924/mo

What Salary Do You Need to Buy in 89101?

Using the standard 28% gross income housing rule, you need approximately $106,575/year to comfortably afford the median home in Las Vegas, NV with 20% down at today's 7.1% rate.

The average household income in Clark County is approximately $62,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 89101 (Clark County)

Clark County has a property tax rate of approximately 0.7% — below the national average of 1.1%. On a $390,000 home, this equals $228/month or $2,730/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Will a Bank Approve You in Las Vegas?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 89101.

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