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Mortgage Calculator &
Closing Costs: Pahrump, NV

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

Median Home Price
$315K
Population
43K
Avg Monthly Rent
$1,250
Property Tax Rate
0.53%
Pahrump vs Nevada Median
The median home price in Pahrump is $315,000, which is 26% below the Nevada state median of $425,000.

Mortgage Calculator — Pahrump, NV

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

$
$63,000
%
%
years
NV avg
%
$
Monthly Payment (PITI)
$1,874
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,593
per month
Taxes & Insurance
$281
per month
Total Interest Paid
$321K
over 30 years
Total Loan Cost
$573K
all payments
Payment Breakdown
Loan Amount$252,000
Principal & Interest$1,593
Property Taxes$139
Homeowners Insurance$142
Total Monthly PITI$1,874

Closing Costs — Pahrump, NV

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

$
%
Nevada: Avg closing costs 1.5% of price. Transfer tax: 0.52%.
Estimated Closing Costs
$10,931
3.5% of purchase price
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Lender Fees
$2,693
origination, underwriting
Third-Party
$3,025
appraisal, title, inspection
Government Fees
$1,638
transfer taxes, recording
Prepaids + Escrow
$3,575
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,268
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,875
Recording Fee$150
Transfer Tax$1,638
Prepaid Taxes (3 mo)$417
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$757
Escrow Reserves$701
Total Closing Costs$10,931

Buying a Home in Pahrump, Nevada

The median home price in Pahrump is $315,000, 26% below the Nevada state median of $425,000. With a population of 42,860, Pahrump 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 Pahrump 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 Pahrump is $1,250/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.

Pahrump presents moderate affordability. The $315K 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 Pahrump.
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