What are the loan limits in each Nevada county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Carson City | $832,750 | $575,000 | $736,100 | $426,700 |
| Churchill County | $832,750 | $541,287 | $693,050 | $298,000 |
| Clark County | $832,750 | $541,287 | $693,050 | $400,800 |
| Douglas County | $832,750 | $736,000 | $942,200 | $587,400 |
| Elko County | $832,750 | $541,287 | $693,050 | $282,400 |
| Esmeralda County | $832,750 | $541,287 | $693,050 | $102,500 |
| Eureka County | $832,750 | $541,287 | $693,050 | — |
| Humboldt County | $832,750 | $541,287 | $693,050 | $256,800 |
| Lander County | $832,750 | $541,287 | $693,050 | $210,500 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $208,900 |
| Lyon County | $832,750 | $638,250 | $817,050 | $342,600 |
| Mineral County | $832,750 | $541,287 | $693,050 | $175,000 |
| Nye County | $832,750 | $541,287 | $693,050 | $266,000 |
| Pershing County | $832,750 | $541,287 | $693,050 | $166,200 |
| Storey County | $832,750 | $638,250 | $817,050 | $393,100 |
| Washoe County | $832,750 | $638,250 | $817,050 | $496,600 |
| White Pine County | $832,750 | $541,287 | $693,050 | $196,700 |
Which Nevada counties are high-cost areas?
No Nevada county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Nevada
Frequently asked questions
FHA one-unit limits in Nevada start at $541,287. In Clark County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Clark County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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