Nevada Mortgage Rates Today — Compare NV Lenders
The average 30-year fixed mortgage rate in Nevada is currently 6.52% APR. Nevada has no state income tax. Las Vegas has seen significant inventory increases in 2026, improving conditions for buyers. Compare today’s rates from top Nevada lenders across all major loan types below.
Nevada Mortgage Rate Comparison Table
Rates below assume a 740+ credit score, 20% down payment, and a $420,000 loan on a single-family primary residence in Nevada.
| Loan Type | Interest Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | 6.52% | 6.52% | Most Popular |
| 15-Year Fixed | 5.87% | 5.87% | Pay off faster, save interest |
| 5/1 ARM | 6.64% | 6.64% | Short-term owners |
| FHA 30-Year | 6.19% | 6.19% | Low down payment |
| VA 30-Year | 6.03% | 6.03% | Veterans & military |
| 30-Year Refinance | 6.64% | 6.64% | Existing homeowners |
Rates sourced from lender survey data and updated regularly. Actual rates vary by lender and borrower profile. See disclaimer.
Understanding Mortgage Rates in Nevada
Nevada’s housing market has moderated significantly from its 2021-2022 peak. Las Vegas, once one of the hottest markets in the country, has seen inventory rise and price growth slow. Nevada’s no-income-tax status continues to attract out-of-state buyers from California.
Reno-Sparks has emerged as a significant tech and logistics hub, driven by proximity to California and a business-friendly environment. The area has attracted major employers including Tesla and Apple, supporting strong housing demand.
What Affects Your Nevada Mortgage Rate?
Several key factors influence the rate a Nevada lender will offer you: your credit score (740+ gets the best rates), your down payment (20%+ eliminates PMI), your loan type (VA and FHA often beat conventional), and broader market conditions driven by the Federal Reserve and Treasury yields. Always compare at least 3–5 lenders — the spread between best and worst rate can be 0.5–1.0%.