Updated Weekly
Get today's Nevada FHA mortgage rates and see how much you can save. Compare current rates, understand what affects your rate, and lock in the best deal for your home loan.
Current FHA loan rates in Nevada as of December 30, 2025. Your actual rate depends on credit score, down payment, and other factors.
| Loan Type | Interest Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-Year FHA Fixed | 6.375% | 6.891% | $2,492 |
| 15-Year FHA Fixed | 5.750% | 6.203% | $3,315 |
| FHA Streamline Refinance | 6.250% | 6.755% | $2,462 |
*Based on: $400,000 loan amount, 3.5% down payment, 740+ credit score, Clark County NV location. Rates include FHA mortgage insurance (MIP). Your actual rate may vary based on your credit profile, down payment, loan-to-value ratio, and property location. Rates updated weekly and subject to change.
This Week:
↓ 0.125%
Rates decreased slightly from last week. Good time to lock in.
Coming:
January 6, 2026
We update Nevada FHA rates every Monday morning.
Available:
30-60 Days
Secure your rate for up to 60 days during your home search.
Custom rate quote based on your credit and situation • No obligation
RATE TRENDS & FORECAST
Understand where Nevada mortgage rates are headed and how to time your home purchase or refinance for maximum savings.
Insight: Nevada rates have shown volatility in recent months, with short-term decreases driven by Federal Reserve policy adjustments and Nevada-specific housing market conditions. Las Vegas and Henderson markets are seeing increased inventory, contributing to rate stabilization.
Expected stability as Fed maintains rates
Potential Fed rate cuts could lower mortgages
Gradual decline as inflation cools in Nevada
Expert Tip: Nevada homebuyers should consider locking rates in Q1 2025 if planning a spring purchase. If waiting until Q2-Q3, benefit from potential Fed rate cuts.
While today's rates are higher than 2021's pandemic lows, they remain significantly below the 8-10% rates common in the 1990s-2000s. Nevada buyers still have access to historically affordable financing compared to long-term averages.
Ask about float-down options when locking your Nevada FHA rate. If rates drop significantly during your lock period, many lenders (including us) will re-lock at the lower rate for a small fee ($250-500). This gives you downside protection while capturing potential savings.
NEVADA COUNTY RATES
Local Nevada rates vary by county and home price—see what homebuyers are getting in Las Vegas, Henderson, Reno, and across all Nevada markets
Las Vegas, Henderson, North LV
Local advantage: Our Las Vegas office closes Clark County loans 7 days faster than national lenders—24-day average.
Reno, Sparks, Incline Village
Higher limits: Washoe designated high-cost area—FHA limits $73K higher than Clark. Reno/Tahoe buyers can finance more.
State Capital
Capital market: Carson City rates match Reno area—proximity to Tahoe drives higher limits and steady demand.
Pahrump, Tonopah
Rural Nevada: Pahrump offers affordable alternatives to Las Vegas—same rates, 30-40% lower home prices.
Fernley, Dayton, Yerington
Growing market: Fernley/Dayton seeing surge from Reno commuters—competitive rates, strong appreciation potential.
Minden, Gardnerville, Stateline
Tahoe proximity: Douglas County near Lake Tahoe gets high-cost area treatment—higher limits for mountain/lake properties.
Enter your property location, credit score, and down payment for exact Nevada rate
CALCULATOR & TOOLS
Use our interactive tools to estimate your monthly payment, affordability, and see how current Nevada rates impact your budget.
Calculate your total monthly FHA payment including principal, interest, MIP, property tax, and insurance for Nevada properties.
Discover how much house you can afford in Las Vegas, Henderson, or Reno based on your income, debts, and down payment.
See how much you could save monthly and over the loan term by refinancing your Nevada mortgage at today's lower rates.
Including PITI + MIP
Including PITI + MIP
Potential Monthly Savings:
$137/mo = $49,320 over 30 years
Including PITI + MIP
Including PITI + MIP
Potential Monthly Savings:
$120/mo = $43,200 over 30 years
A 0.5% rate difference on a $400,000 Nevada mortgage saves you approximately $120-140/month and $43,000-50,000 in total interest over 30 years. That's enough to:
Personalized quote based on your credit, income & Nevada property • No obligation • Fast 24hr approval
Understanding these factors helps you get the best possible rate on your Nevada FHA loan.
Higher credit scores (740+) qualify for the best Nevada FHA rates. Scores 580-739 may see rates 0.25-0.75% higher. Even with lower scores, FHA remains accessible.
Impact: 0.5-1.0% rate difference
FHA requires minimum 3.5% down with 580+ credit. Higher down payments (10%+) reduce your loan-to-value ratio and may qualify for slightly better rates and lower mortgage insurance.
Impact: 0.125-0.25% rate difference
15-year FHA loans typically have rates 0.5-0.75% lower than 30-year loans. Shorter terms mean higher monthly payments but significant interest savings over the life of the loan.
Impact: 0.5-0.75% rate difference
Single-family Nevada homes typically get the best rates. Condos, townhomes, and multi-unit properties (2-4 units) may see slightly higher rates due to increased lender risk.
Impact: 0.125-0.375% rate difference
Rates are generally consistent across Nevada, but rural areas or properties in declining markets may face slightly higher rates. Las Vegas and Reno typically see best rates.
Impact: Minimal, ~0.0-0.125%
Federal Reserve policies, economic indicators, and housing market trends affect all Nevada mortgage rates. When the Fed raises rates, FHA loan rates typically follow within weeks.
Impact: Varies by economic cycle
Even small credit score improvements (10-20 points) can lower your Nevada FHA rate by 0.25%. Pay down credit card balances and avoid new credit inquiries before applying.
Check What Rate You Qualify ForLATEST UPDATES
Stay informed on the economic factors driving rate changes and how they impact Nevada homebuyers in 2025.
The Federal Reserve's interest rate decisions have a direct impact on Nevada mortgage rates. Recent Fed actions include:
Inflation rates directly correlate with mortgage rate movements. Current inflation picture:
Local Nevada market dynamics influence regional lending rates:
Mortgage rates closely follow 10-year Treasury yields and bond market activity:
Nevada mortgage rates can change daily based on economic news, Fed announcements, and local market conditions. We monitor these factors continuously to ensure you get the best available rate when you're ready to buy or refinance in Las Vegas, Henderson, or Reno.
Get answers to common questions about FHA mortgage rates in Nevada.
These are average rates. Your actual rate depends on your unique financial situation. Get a custom quote in minutes.
Check My Nevada FHA Rate NowNo obligation • Takes 3 minutes • No impact on credit score