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Mortgage Calculator &
Closing Costs: Carson City, NV

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Carson City, Nevada.

Median Home Price
$425K
Population
59K
Avg Monthly Rent
$1,480
Property Tax Rate
0.53%
Carson City vs Nevada Median
The median home price in Carson City is $425,000, which is roughly in line with the Nevada state median of $425,000.

Mortgage Calculator — Carson City, NV

Pre-filled with Carson City median home price and Nevada tax/insurance rates. Adjust for your property.

$
$85,000
%
%
years
NV avg
%
$
Monthly Payment (PITI)
$2,479
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,149
per month
Taxes & Insurance
$330
per month
Total Interest Paid
$434K
over 30 years
Total Loan Cost
$774K
all payments
Payment Breakdown
Loan Amount$340,000
Principal & Interest$2,149
Property Taxes$188
Homeowners Insurance$142
Total Monthly PITI$2,479

Closing Costs — Carson City, NV

Estimated closing costs based on Nevada rates and fees applied to Carson City prices.

$
%
Nevada: Avg closing costs 1.5% of price. Transfer tax: 0.52%.
Estimated Closing Costs
$13,401
3.2% of purchase price
Lender Fees
$3,485
origination, underwriting
Third-Party
$3,575
appraisal, title, inspection
Government Fees
$2,210
transfer taxes, recording
Prepaids + Escrow
$4,131
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,060
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,425
Recording Fee$150
Transfer Tax$2,210
Prepaid Taxes (3 mo)$563
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$1,022
Escrow Reserves$846
Total Closing Costs$13,401

Buying a Home in Carson City, Nevada

The median home price in Carson City is $425,000, roughly in line with the Nevada state median of $425,000. With a population of 58,639, Carson City is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Nevada average 0.53% annually. This low property tax rate is a significant advantage for Carson City buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Nevada runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Carson City is $1,480/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Carson City is a higher-cost market. At $425K median, buyers need significant savings or strong income. Down payment assistance through Nevada's Home Is Possible DPA program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Carson City.
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