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Henderson mortgage calculator
A median-priced Henderson, NV home at 6.75% over 30 years, with Nevada property tax of 0.55% and $1,300 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$3,731 a month, all in
Principal and interest are $3,152; escrow and PMI add the rest. Over the full term the loan costs $648,787 in interest. Discounted at 5%, buying here has a net present value of $27,551 ($347,894 in today’s dollars).
Within Nevada, Henderson is 2nd of the 4 Nevada markets covered here, between Reno at the top and North Las Vegas at the bottom of a 1.39x spread. A state-level median hides most of that.
The price-to-rent ratio here is 21.7 ($540,000 to buy, $2,070 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Henderson, not a fallback position.
Henderson carries a premium over the rest of Nevada: a median home here runs $540,000, about 20% above the state median of $450,000. The deposit moves with it, so the same 20% down is $108,000 rather than $90,000.
Monthly cost in Henderson vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $540,000 |
|---|---|
| Down payment (10%) | $54,000 |
| Loan amount | $486,000 |
| Principal & interest | $3,152/mo |
| Property tax (0.55%) | $248/mo |
| Homeowners insurance | $108/mo |
| PMI while above 80% LTV | $223/mo |
| Total monthly payment | $3,731/mo |
| Comparable rent | $2,070/mo |
What a rate move does to the Henderson payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $2,759/mo |
| 6% | $2,914/mo |
| 6.5% | $3,072/mo |
| 7% | $3,233/mo |
| 7.5% | $3,398/mo |
| 8% | $3,566/mo |
Rent or buy in Henderson?
Against $2,070 a month in rent, over 7 years renting leaves you about $100,761 better off — $84,767 once 2.5% inflation is stripped out. See the Nevada rent-vs-buy page.
Where these numbers come from
Nevada medians come from editorial and are refreshed weekly. The Henderson figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.