Complete county-by-county breakdown of FHA loan limits for Las Vegas, Henderson, Reno, and all Nevada counties. Find out how much you can borrow with an FHA loan in your area.
FHA loan limits are the maximum amount you can borrow with an FHA-insured mortgage in a specific county or geographic area. These limits are set annually by the Federal Housing Administration (FHA) and are based on median home prices in each county.
For 2025, Nevada FHA loan limits range from $498,257 in most counties to $571,950 in Washoe County (Reno area). The limits vary by:
If you want to buy a home that exceeds your county's FHA loan limit, you'll need to either make a larger down payment, choose a different loan program (like conventional or jumbo), or look for homes within the FHA limit.
| County | Major Cities | 1-Unit Limit | 2-Unit Limit |
|---|---|---|---|
| Clark County | Las Vegas, Henderson, North Las Vegas | $498,257 | $637,950 |
| Washoe County | Reno, Sparks | $571,950 | $732,050 |
| Carson City | Carson City | $498,257 | $637,950 |
| Douglas County | Minden, Gardnerville | $498,257 | $637,950 |
| Lyon County | Fernley, Dayton | $498,257 | $637,950 |
| Nye County | Pahrump, Tonopah | $498,257 | $637,950 |
| Elko County | Elko, Spring Creek | $498,257 | $637,950 |
| Humboldt County | Winnemucca | $498,257 | $637,950 |
| Churchill County | Fallon | $498,257 | $637,950 |
| All Other Counties | Remainder of Nevada | $498,257 | $637,950 |
FHA loan limits increase for multi-family properties (duplexes, triplexes, and fourplexes). If you're buying a 2-4 unit property as your primary residence, your FHA loan limit will be higher:
Washoe County (Reno/Sparks area) is designated as a high-cost area by HUD, which means it gets a higher FHA loan limit of $571,950 for 1-unit properties in 2025. This is $73,693 higher than the standard Nevada limit.
The higher limit reflects Reno's stronger housing market and higher median home prices compared to Las Vegas and other Nevada counties. This allows Reno-area FHA buyers to purchase more expensive homes while still using FHA's benefits (3.5% down payment, flexible credit standards).
Get pre-approved in 24 hours and see exactly how much you can borrow based on your county's FHA loan limit.
Get Your FHA Pre-Approval NowUnderstanding your county's FHA loan limit is crucial when calculating how much home you can afford. Here's how the limits impact your purchase:
The FHA limit is the maximum loan you can get with FHA financing. For a $500,000 home in Clark County (limit $498,257), you'd need to cover the difference with a larger down payment or choose a conventional loan.
FHA requires 3.5% down with a 580+ credit score, or 10% down with 500-579 credit. On a $498,257 loan (Clark County max), your minimum down payment would be $17,439 (3.5%).
Your purchase price can be higher than the FHA limit, but you'll need a bigger down payment. Example: $550,000 home in Clark County = $498,257 FHA loan + $51,743 down payment (9.4% total).
Reno/Washoe County buyers get $73,693 more borrowing power than Las Vegas buyers due to the higher FHA limit ($571,950 vs $498,257). This can be the difference between affording your target home or not.
With a 6.5% interest rate on a 30-year FHA loan, your estimated monthly payment would be approximately:
If you want to buy a home priced above your county's FHA loan limit, you have several options:
You can still use an FHA loan, but you'll need to cover the difference between your purchase price and the FHA limit with your down payment. For example, a $550,000 home in Las Vegas would require $51,743 down + the standard 3.5% of the FHA limit.
Conventional loans have higher limits ($766,550 for 2025 in most Nevada counties). If your credit score is 620+ and you can afford 3-5% down, a conventional loan might work better for higher-priced homes.
For luxury homes over the conventional limit, jumbo loans offer higher borrowing amounts. These typically require 10-20% down, excellent credit (700+), and larger cash reserves, but they can finance multi-million dollar properties.
If you're flexible on location, buying in Washoe County (Reno/Sparks) gives you a $635,000 FHA limit—$136,743 more than Clark County. This could open up homes that would be out of reach with Las Vegas limits.
Our Nevada FHA specialists can run scenarios showing exactly how much home you can afford based on your county's limits, your income, credit score, and down payment. We'll compare FHA vs conventional options to find the best fit for your situation—often saving you thousands in the process.
Our Nevada FHA specialists will calculate exactly how much you can borrow based on your county's 2025 FHA limits, analyze your finances, and get you pre-approved in as little as 24 hours.