Carson City, Nevada home prices
Typical home $494,245 · +1.0% in a year · property tax 0.41%
The typical home in Carson City is worth $494,245, 12% more than the Nevada typical home ($440,739). Values changed +1.0% in the past year and +11.9% over five years. Homeowners here pay a median 0.41% of their home's value in property tax each year ($2,040 on the typical home), versus 0.47% statewide.
Mortgage on the typical Carson City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $98,849 | $395,396 | $2,660 | $0 | $417 | $3,077 | $131,900 |
| 10% down | $49,424 | $444,820 | $2,992 | $185 | $417 | $3,595 | $154,100 |
| 5% down | $24,712 | $469,533 | $3,159 | $196 | $417 | $3,771 | $161,600 |
| 3.5% down (FHA) | $17,299 | $485,293 | $3,265 | $219 | $417 | $3,900 | $167,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.41% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Nevada · part of the Carson City metro area.
Nevada counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Storey County | $480,475 | +2.7% | 0.34% |
| Clark County | $422,748 | -2.6% | 0.48% |
| Lyon County | $420,661 | +3.7% | 0.46% |
| Washoe County | $570,399 | +2.2% | 0.44% |
| Churchill County | $392,106 | +2.8% | 0.53% |
| Elko County | $372,095 | +2.3% | 0.5% |
| Humboldt County | $355,183 | +4.1% | 0.49% |
| Nye County | $355,161 | +0.6% | 0.45% |
| Douglas County | $703,952 | +2.7% | 0.45% |
| Lander County | $259,816 | +5.4% | 0.64% |
Frequently asked questions
What is the average home price in Carson City, NV?
The typical home value in Carson City is $494,245 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carson City?
About $131,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carson City?
The median effective rate is 0.41% of home value a year (Census ACS 2024 5-year estimates).