Average mortgage payment in Washoe County, NV (2026)
The average mortgage payment in Washoe County on a median-priced home (~$480,000) is roughly $3,579/month — assuming 10% down at a 6.85% 30-year fixed rate and Nevada's 0.60% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $153,374. County population is roughly 486,492.
Adjust the scenario
How Washoe County compares to Nevada
The typical home in Washoe County is 13% above the statewide median of $425,000 in Nevada. Property tax is set at the state's effective rate of 0.60% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Washoe County?+
On a median Washoe County home (~$480,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $3,579/month, including ~$240 in property tax.
What income do I need to buy a home in Washoe County?+
Using the 28% front-end DTI rule, you'd need roughly $153,374 in annual gross household income to comfortably carry the median Washoe County home.
How does Washoe County compare to the rest of Nevada?+
Washoe County's median home ($480,000) is 13% above the Nevada median of $425,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.