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Mortgage Calculator &
Closing Costs: Henderson, NV

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

Median Home Price
$475K
Population
320K
Avg Monthly Rent
$1,720
Property Tax Rate
0.53%
Henderson vs Nevada Median
The median home price in Henderson is $475,000, which is 12% above the Nevada state median of $425,000.

Mortgage Calculator — Henderson, NV

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

$
$95,000
%
%
years
NV avg
%
$
Monthly Payment (PITI)
$2,754
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,402
per month
Taxes & Insurance
$352
per month
Total Interest Paid
$485K
over 30 years
Total Loan Cost
$865K
all payments
Payment Breakdown
Loan Amount$380,000
Principal & Interest$2,402
Property Taxes$210
Homeowners Insurance$142
Total Monthly PITI$2,754

Closing Costs — Henderson, NV

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

$
%
Nevada: Avg closing costs 1.5% of price. Transfer tax: 0.52%.
Estimated Closing Costs
$14,524
3.1% of purchase price
Lender Fees
$3,845
origination, underwriting
Third-Party
$3,825
appraisal, title, inspection
Government Fees
$2,470
transfer taxes, recording
Prepaids + Escrow
$4,384
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,420
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,675
Recording Fee$150
Transfer Tax$2,470
Prepaid Taxes (3 mo)$629
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$1,142
Escrow Reserves$913
Total Closing Costs$14,524

Buying a Home in Henderson, Nevada

The median home price in Henderson is $475,000, 12% above the Nevada state median of $425,000. With a population of 320,189, Henderson is a mid-size city 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 Henderson 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 Henderson is $1,720/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.

Henderson is a higher-cost market. At $475K 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 Henderson.
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