Nevada mortgage calculator

30-year fixed mortgage calculator with Nevada-specific defaults. Median home price $430,000 · property tax effective rate 0.55%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$86,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Nevada

State pre-set for this page. Switch state

Property tax rate

~$197 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $143/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $430,000 home, 20% down, 6.875% APR, 30-year fixed in Nevada.

Where your payment goes

Principal & interest$2,260

Property tax$197

Homeowner insurance$145

PMI$143

Loan amount

$344,000

Total interest

$469,541

Total paid

$813,541

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$27,118	$3,579	$23,539	$23,539	$340,421
Y02Year 2	$27,118	$3,833	$23,285	$46,823	$336,587
Y03Year 3	$27,118	$4,105	$23,013	$69,836	$332,482
Y04Year 4	$27,118	$4,397	$22,721	$92,557	$328,085
Y05Year 5	$27,118	$4,709	$22,409	$114,966	$323,376
Y06Year 6	$27,118	$5,043	$22,075	$137,042	$318,333
Y07Year 7	$27,118	$5,401	$21,717	$158,759	$312,933
Y08Year 8	$27,118	$5,784	$21,334	$180,093	$307,149
Y09Year 9	$27,118	$6,194	$20,924	$201,017	$300,955
Y10Year 10	$27,118	$6,634	$20,484	$221,501	$294,321
Y11Year 11	$27,118	$7,105	$20,013	$241,514	$287,216
Y12Year 12	$27,118	$7,609	$19,509	$261,024	$279,608
Y13Year 13	$27,118	$8,149	$18,969	$279,993	$271,459
Y14Year 14	$27,118	$8,727	$18,391	$298,384	$262,732
Y15Year 15	$27,118	$9,346	$17,772	$316,156	$253,386
Y16Year 16	$27,118	$10,009	$17,109	$333,265	$243,377
Y17Year 17	$27,118	$10,719	$16,399	$349,664	$232,657
Y18Year 18	$27,118	$11,480	$15,638	$365,302	$221,177
Y19Year 19	$27,118	$12,295	$14,823	$380,125	$208,883
Y20Year 20	$27,118	$13,167	$13,951	$394,076	$195,716
Y21Year 21	$27,118	$14,101	$13,017	$407,093	$181,614
Y22Year 22	$27,118	$15,102	$12,016	$419,109	$166,512
Y23Year 23	$27,118	$16,174	$10,944	$430,053	$150,338
Y24Year 24	$27,118	$17,321	$9,797	$439,850	$133,017
Y25Year 25	$27,118	$18,550	$8,568	$448,417	$114,467
Y26Year 26	$27,118	$19,867	$7,251	$455,669	$94,600
Y27Year 27	$27,118	$21,276	$5,842	$461,510	$73,324
Y28Year 28	$27,118	$22,786	$4,332	$465,842	$50,538
Y29Year 29	$27,118	$24,403	$2,715	$468,557	$26,135
Y30Year 30	$27,118	$26,135	$983	$469,541	$0

Loading calculator…

Nevada context

No state income tax. Property tax effective rate is modest (~0.55%).

Nevada — related

Nevada income tax

Top marginal — · No income tax

Open →

Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

Open →

National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

Open →

Last updated 2026-05-13