Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
North Las Vegas mortgage calculator
A median-priced North Las Vegas, 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.
$2,825 a month, all in
Principal and interest are $2,364; escrow and PMI add the rest. Over the full term the loan costs $486,590 in interest. Discounted at 5%, buying here has a net present value of $57,922 ($314,632 in today’s dollars).
Within Nevada, North Las Vegas is the cheapest of the 4 Nevada markets covered here — Reno runs about 1.39x these prices. Buyers priced out of the expensive end of the state often end up comparing exactly this pair.
A price-to-rent ratio of 19.7 puts North Las Vegas in the middle of the range, where the rent-vs-buy answer is decided by how long you stay and what the deposit would otherwise earn.
North Las Vegas is cheaper than Nevada as a whole — $405,000 against a state median of $450,000, roughly 10% below. On a 20% deposit that is $9,000 less to find up front.
Monthly cost in North Las Vegas vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $405,000 |
|---|---|
| Down payment (10%) | $40,500 |
| Loan amount | $364,500 |
| Principal & interest | $2,364/mo |
| Property tax (0.55%) | $186/mo |
| Homeowners insurance | $108/mo |
| PMI while above 80% LTV | $167/mo |
| Total monthly payment | $2,825/mo |
| Comparable rent | $1,710/mo |
What a rate move does to the North Las Vegas payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $2,070/mo |
| 6% | $2,185/mo |
| 6.5% | $2,304/mo |
| 7% | $2,425/mo |
| 7.5% | $2,549/mo |
| 8% | $2,675/mo |
Rent or buy in North Las Vegas?
Against $1,710 a month in rent, over 7 years renting leaves you about $60,236 better off — $50,674 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 North Las Vegas 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.