Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans
2025 FHA loan limits vary by Nevada county—Clark County allows up to $498,257, while most other counties max at $498,257 for single-family homes. Know your limit before you shop.
Nevada Licensed • NMLS #65506 • Updated for 2025 HUD limits
COUNTY-BY-COUNTY LIMITS
FHA loan limits are determined by median home values in each county. Nevada has both baseline and high-balance FHA limits depending on the county's housing market. Here's what you can borrow in every Nevada county for 2025.
1-Unit Property
$498,257
Single-family home FHA limit for Clark County (Las Vegas, Henderson)
2-Unit Property
$638,100
Duplex FHA limit for Clark County (Las Vegas)
3-Unit Property
$771,450
Triplex FHA limit for Clark County
4-Unit Property
$958,350
Fourplex FHA limit for Clark County - ideal for house hacking with 3.5% down
Clark and Washoe Counties are designated high-cost areas with higher FHA limits. All other Nevada counties use the baseline limits.
| County | Major Cities | 1-Unit Limit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit |
|---|---|---|---|---|---|
| Clark County | Las Vegas, Henderson, North Las Vegas | $498,257 | $638,100 | $771,450 | $958,350 |
| Washoe County | Reno, Sparks | $571,950 | $732,050 | $884,700 | $1,099,450 |
| Carson City | Carson City | $498,257 | $637,950 | $771,125 | $958,350 |
| All Other Counties | Baseline limit statewide | $498,257 | $637,950 | $771,125 | $958,350 |
Important Note About Nevada FHA Limits
For 2025, Clark County (Las Vegas, Henderson) has an FHA limit of $498,257 for single-family homes, while Washoe County (Reno, Sparks) has a higher limit of $571,950 as a designated high-cost area. All other Nevada counties use the baseline limit of $498,257. These limits apply to FHA 203(b) purchase loans and some refinance programs.
UNDERSTANDING FHA LIMITS
FHA loan limits represent the maximum amount you can borrow with an FHA-insured mortgage. Understanding these limits helps you determine your buying power and whether FHA financing is right for your Nevada home purchase.
The Federal Housing Administration sets loan limits annually based on median home values across the country. Baseline limits apply to most areas, while high-cost areas receive elevated limits up to 150% of the baseline.
Unlike expensive coastal markets, Nevada's median home values fall within the national baseline, meaning the state uses standard FHA limits rather than high-balance limits.
EXCEEDING THE LIMIT
If you're looking at homes priced above Nevada's $524,225 FHA limit, you have several options to make your purchase happen.
Increase Your Down Payment
Put down more than the 3.5% minimum to stay within FHA loan limits. The FHA limit applies to the loan amount, not the purchase price.
Consider Conventional Loans
Conventional loans have higher limits ($766,550 in Nevada) and may be better for homes exceeding FHA maximums.
Explore Jumbo Loans
For luxury Nevada properties, jumbo loans offer financing beyond conventional limits with competitive rates for qualified buyers.
Home Purchase Price
$600,000
FHA Loan Limit
$498,257
Required Down Payment
$101,743
(17%)To stay within the $498,257 Clark County FHA limit, you'd need to put down $101,743 rather than the standard 3.5% ($21,000) minimum down payment.
FREQUENTLY ASKED QUESTIONS
Common questions about FHA loan limits in Nevada and how they affect your home buying power.
Our Nevada FHA specialists can help you understand how loan limits affect your buying power and explore all your financing options.