Northern Nevada · Home buying
Start with your comfort zone.
Choose a monthly housing budget and down payment to explore an estimated home-price range. Adjust the loan and expense assumptions whenever you want a different planning view.
Your numbers
Explore your monthly comfort zone.
Includes principal, interest, property taxes, insurance, HOA dues, and estimated PMI.
Enter funds for the down payment only; keep closing costs and reserves separate.
Loan & monthly expenses
Rate, insurance and PMI are editable examples, not current quotes. PMI is estimated on the loan amount when the down payment is below 20%. Add monthly special assessments or other housing costs under Other.
Property tax assumptions
0.30% equals $1,500 a year on a $500,000 home. 1.10% equals $5,500. These are illustrative effective rates, not county tax rates or guaranteed limits. Actual taxes can fall outside this range.
Your estimated buying range
The same monthly budget can support a different home price depending on property taxes.
Higher-tax scenario
$481,0001.10% of price / year
- Principal & interest
- $2,408
- Property taxes
- $441
- Homeowners insurance
- $150
- HOA dues
- $0
- Estimated PMI
- $0
- Other housing costs
- $0
Lower-tax scenario
$504,0000.30% of price / year
- Principal & interest
- $2,554
- Property taxes
- $126
- Homeowners insurance
- $150
- HOA dues
- $0
- Estimated PMI
- $168
- Other housing costs
- $0
Each scenario shows a maximum estimated price within your budget, rounded down to the nearest $1,000. This is a budget estimate, not loan approval or a list of available homes.
Let’s find your next home.
Have questions about your budget or buying in Northern Nevada? Get in touch with Garrett.
Email Garrett for more infoWhy can similar homes have different taxes? Nevada property valuation accounts for land and building replacement cost less depreciation. Age is one factor; location, improvements and applicable tax abatements also matter. The calculator does not predict taxes from year built. Verify a specific property's current and expected tax bill with the county or your real estate professional; a new home's land-only bill may not reflect the completed home. Washoe County valuation guide .
Estimates assume a fixed-rate conventional mortgage. Loan eligibility, minimum down payment and actual PMI depend on the lender and borrower. FHA/VA fees are not modeled. Utilities, upkeep, closing costs and future cost increases are excluded unless you add a monthly allowance. Insurance varies by property and coverage.