FHA Loan Limits in Clark County, Nevada (2026)
Clark County and the rest of Clark County, Nevada fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Southwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Clark County to the edges of Clark County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Washoe and Carson City Counties.
How much home can you afford in Clark County?
With Clark County's median sale price estimated near $422,000 (think Clark County), the FHA down payment is roughly $14,770. Factoring Nevada property taxes near 0.55%, expect about $3,048 monthly, pointing to income near $118,000 — above Nevada's $71,646 median household income, so budget carefully.
FHA payment scenarios in Clark County
Here is what an FHA payment looks like at three Clark County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $304,000 | $10,640 | $2,228 |
| Local median — $422,000 | $14,770 | $3,048 |
| At the FHA limit — $541,287 | $18,945 | $3,877 |
Estimates include FHA MIP plus Nevada property taxes and insurance. Rates move daily near Clark County too — get notified.
First-time buyers make up much of FHA activity in Clark County and across Clark County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,770 needed on a median Clark County home.
Multi-unit FHA limits in Clark County
Looking at a duplex or fourplex near Clark County? FHA allows up to $692,997 on two units and $1,041,072 on four in Clark County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Clark County for 2026?
- In Clark County (Clark County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Clark County with FHA?
- For a median-priced ($422,000) Clark County home, plan on income around $118,000 at a 31% housing ratio — about $3,048/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clark County?
- 3.5% with a 580+ score — roughly $14,770 on a $422,000 Clark County-area home. Gift funds are allowed.
- Is Clark County a high-cost FHA area?
- No — Clark County uses the $541,287 national floor for one unit.