Local costs · Nevada
What a home costs across Nevada
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Nevada, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $948 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Nevada real property transfer tax: 0.39% of price — split 50/50Rate varies by county: Clark County (Las Vegas) 0.51%, Washoe 0.41% (see county adders).On the $455,500 state median home, the buyer’s customary share is about $888; the seller customarily covers about $888.
- Title insurance
- Nevada uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Nevada levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 17 counties in Nevada
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Carson City | 0.41% | $810–$1,800typical $1,240 |
| Churchill County | 0.53% | $460–$1,030typical $710 |
| Clark County | 0.48% | $460–$1,030typical $710 |
| Douglas County | 0.45% | $1,400–$3,130typical $2,160 |
| Elko County | 0.50% | $1,840–$4,100typical $2,830 |
| Esmeralda County | 0.61% | $460–$1,030typical $710 |
| Eureka County | 0.62% | $1,840–$4,100typical $2,830 |
| Humboldt County | 0.49% | $1,840–$4,100typical $2,830 |
| Lander County | 0.64% | $1,690–$3,770typical $2,600 |
| Lincoln County | 0.51% | $1,200–$2,680typical $1,850 |
| Lyon County | 0.46% | $1,250–$2,780typical $1,920 |
| Mineral County | 0.74% | $460–$1,030typical $710 |
| Nye County | 0.45% | $460–$1,030typical $710 |
| Pershing County | 0.62% | $1,180–$2,640typical $1,820 |
| Storey County | 0.34% | $1,840–$4,100typical $2,830 |
| Washoe County | 0.44% | $830–$1,840typical $1,270 |
| White Pine County | 0.51% | $680–$1,510typical $1,040 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.