Mortgage calculator for Las Vegas home buyers
See your estimated monthly payment, including property tax, insurance and HOA. Adjust the numbers and the payment updates as you type.
Estimate your monthly payment
This is an estimate, not a loan offer. The 7.40% starting rate is the Freddie Mac 30-year fixed average for the week of October 15, 2026; your rate depends on your credit, loan type and lender. Property tax, insurance and HOA vary by home. Mortgage insurance is estimated at 0.5% of the loan per year when the down payment is under 20%.
Start your home search
Tell us what you are looking for
A few quick questions and the right person on our team takes it from there, someone who actually knows that part of town.
- About 60 secondsAnswer in your own words. A rough idea is enough.
- A real advisorYour search goes to a buyer advisor who knows your area, not a call center.
- Reply within one business dayYou get a few homes worth your time, not a hundred you will never open.
Mortgage payments: common questions
What is included in a monthly mortgage payment?
Most payments combine principal and interest on the loan with property tax and homeowners insurance. Homes in an HOA add monthly dues, and loans with less than 20% down usually add mortgage insurance. This calculator shows each piece separately.
How much should I put down on a Las Vegas home?
Putting 20% down avoids mortgage insurance on most conventional loans, but many loan programs allow less. Change the down payment above to see how it moves your payment, then ask a lender which programs fit you.
Does the calculator show my exact rate?
No. The rate starts at a recent national average and your actual rate depends on your credit, down payment, loan type and the lender. Type in a rate from a quote to see your own payment.
How much home can I afford?
That depends on your income, existing debts and savings. Try our affordability calculator for an estimate of the price range that fits your budget.
Ready to run the numbers with a person?
Call 702.895.7777 or tell us what you are looking for and a buyer advisor will follow up.
Estimates only. Not tax, legal or financial advice. Cunningham Group at RE/MAX Advantage. Shawn Cunningham, License BS.0144545.