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Mortgage Calculator &
Closing Costs: Dayton, NV

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

Median Home Price
$395K
Population
17K
Avg Monthly Rent
$1,420
Property Tax Rate
0.53%
Dayton vs Nevada Median
The median home price in Dayton is $395,000, which is 7% below the Nevada state median of $425,000.

Mortgage Calculator — Dayton, NV

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

$
$79,000
%
%
years
NV avg
%
$
Monthly Payment (PITI)
$2,314
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,997
per month
Taxes & Insurance
$316
per month
Total Interest Paid
$403K
over 30 years
Total Loan Cost
$719K
all payments
Payment Breakdown
Loan Amount$316,000
Principal & Interest$1,997
Property Taxes$174
Homeowners Insurance$142
Total Monthly PITI$2,314

Closing Costs — Dayton, NV

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

$
%
Nevada: Avg closing costs 1.5% of price. Transfer tax: 0.52%.
Estimated Closing Costs
$12,728
3.2% of purchase price
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Lender Fees
$3,269
origination, underwriting
Third-Party
$3,425
appraisal, title, inspection
Government Fees
$2,054
transfer taxes, recording
Prepaids + Escrow
$3,980
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,844
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,275
Recording Fee$150
Transfer Tax$2,054
Prepaid Taxes (3 mo)$523
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$950
Escrow Reserves$807
Total Closing Costs$12,728

Buying a Home in Dayton, Nevada

The median home price in Dayton is $395,000, 7% below the Nevada state median of $425,000. With a population of 16,781, Dayton is a smaller market where home prices tend to be more accessible than in many parts of Nevada.

Property taxes in Nevada average 0.53% annually. This low property tax rate is a significant advantage for Dayton 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 Dayton is $1,420/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.

Dayton presents moderate affordability. The $395K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Dayton.
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