National baseline
Step 1
$832,750
The conforming baseline the FHFA publishes each year.
Set by FHFAClark County · Nevada · 2026 · FHA
2026 FHA
loan limit
The most a single-family FHA buyer can borrow across Las Vegas, Henderson, and North Las Vegas this year — and exactly where jumbo begins.
4.9★ rated 5,200+ Las Vegas families NMLS #65506
Quick answer
The 2026 FHA loan limit for a single-family home in Clark County, Nevada is $541,287 — the standard FHA floor (65% of the $832,750 conforming baseline). Multi-unit limits are higher, and loans above the limit are jumbo. Updated June 2026.
Check FHA eligibilityValley West Mortgage · direct local Las Vegas lender · NMLS #65506 · Equal Housing Lender · Updated June 25, 2026
$541,287 single-familyThe 2026 Clark County FHA floor.
Higher for 2–4 unitsMulti-unit limits scale up.
65% of the baseline$832,750 × 65% = the floor.
Above it = jumboOr compare a conventional loan.
Where you land
Find your price on the 2026 limit
Drag the handle or type a price. We’ll show whether it lands within the FHA limit or crosses into jumbo territory.
$541,287FHA limit
$200k$1.2M
Above the limit? A conventional or jumbo loan may fit.
Talk to a local specialist about jumboBy property type
2026 FHA limits, 1–4 units
Multi-unit FHA limits step up well past the single-family floor — useful for house-hacking a duplex or fourplex in Clark County.
Source: HUD FHA Mortgage Limits, 2026 — Clark County, Nevada (Las Vegas MSA).
| Property type | 2026 limit |
|---|---|
| 1-unit | $541,287 |
| 2-unit | $693,050 |
| 3-unit | $837,700 |
| 4-unit | $1,041,125 |
2025 vs 2026
What changed this year
The Clark County FHA single-family limit rose from $524,225 in 2025 to $541,287 in 2026 — an increase of $17,062 (about 3.3%). The bump tracks the higher national conforming baseline ($806,500 → $832,750), which FHA multiplies by 65% to set the floor for lower-cost counties like Clark.
| Property type | 2025 limit | 2026 limit | Change |
|---|---|---|---|
| 1-unit (single family) | $524,225 | $541,287 | +$17,062 |
What it means for buyers: a slightly higher single-family ceiling means a few more Las Vegas, Henderson, and North Las Vegas homes now fit under FHA with just 3.5% down before a purchase crosses into conventional or jumbo territory. Source: HUD FHA Mortgage Limits, 2025 and 2026 — Clark County (Las Vegas–Henderson–Paradise MSA). Updated June 2026.
How the limit is set
Six things that set the 2026 FHA limit
From the national baseline to the Clark County floor — and what happens above it.
FHA floor
Step 2
× 65%
FHA’s floor for low-cost counties is 65% of that baseline.
Low-cost factorYour limit
Result
$541,287
The 2026 single-family FHA limit for Clark County, Nevada.
1-unit · 2026Low-cost area
Why
The FHA floor
Las Vegas prices sit below the high-cost threshold, so it gets the floor.
Median under capUpdated yearly
Cadence
Set annually
HUD republishes FHA limits each year — verify before relying on a figure.
Verify each yearAbove the limit
Next
Jumbo
Loans above $541,287 move to conventional or jumbo financing.
We price bothYour headroom
How much room before jumbo
At the Las Vegas median of ~$478,000, a single-family FHA buyer still has real price headroom before crossing the $541,287 ceiling into jumbo territory.
$63,287 of headroom
Buy above the ceiling and the loan becomes conventional or jumbo — we model both so the math, not the label, decides.
$541,287 ceiling
Cash at the limit
3.5% down at the FHA ceiling
FHA’s floor is 3.5% down. Slide to see the cash and loan amount at the very top of the Clark County limit.
3.5% down at $541,287
See the down payment and loan amount at the maximum FHA single-family price for Clark County.
3.5%
Open the full calculator
Cash down at the limit
$0
on a $541,287 home at the limit
Purchase price (at limit)$541,287
Down payment$0
Loan amount$0
Upfront MIP (1.75%)financed into the loan
Estimate only — not a Loan Estimate or rate quote. FHA requires upfront and monthly MIP. Subject to credit approval. NMLS #65506.
Across the valley
One Clark County limit, valley-wide
The $541,287 single-family FHA limit applies the same everywhere in Clark County — Las Vegas, Henderson, North Las Vegas, Enterprise, Spring Valley, Summerlin, Sunrise Manor, and Paradise all share it. Only the typical price point and how much headroom you have under the ceiling shift from one part of the valley to the next.
Las Vegas
$541,287
$478kMedian price
2.9 moSupply
The valley’s core market. At the ~$478k median, FHA’s 3.5% down keeps entry low and headroom intact.
Balanced market — real room to negotiate
Henderson
$541,287
$540kMedian price
2.6 moSupply
Higher median, strong schools. Premium pockets push past the floor — where we compare FHA vs conventional.
Premium pockets push past the floor
North Las Vegas
$541,287
$430kMedian price
3.1 moSupply
The affordability play. Lower prices mean a smaller down payment and less cash to close.
Newer master-planned value
Compare the programs
FHA, conventional & VA, side by side
Three programs, three limits — compare them, then open any program’s 2026 limit page.
FHA loan
FHA
$541,287
Single-family FHA floor for Clark County. 3.5% down, FICO 580+.
FHA detailsConventional
Conventional
$832,750
The FHFA conforming baseline. Above it, the loan is jumbo.
Conforming detailsVA loan
VA
No cap
Full entitlement has no limit. $0 down for eligible Veterans.
VA details
Disclosures
This is an advertisement and not a commitment to lend. Loan limits change annually — verify current figures with HUD before relying on them. The 2026 FHA single-family limit shown ($541,287) is the standard floor for Clark County, Nevada; multi-unit figures follow the HUD FHA mortgage-limit schedule. Valley West Mortgage is a private direct lender and is not affiliated with, acting on behalf of, or at the direction of HUD, the FHA, or any U.S. government agency. This website is not from HUD or the FHA and was not approved by HUD, FHA, or any government agency. FHA loans are insured by the FHA; they are not made or issued by the government. All loans subject to borrower and property qualification, underwriting, and credit approval. Equal Housing Lender · NMLS #65506 · verify licensing at nmlsconsumeraccess.org.
Frequently asked
FHA loan limits, answered.
What is the FHA loan limit in Las Vegas for 2026?
The 2026 FHA loan limit for a single-family home in Clark County — Las Vegas, Henderson, and North Las Vegas — is $541,287. That figure is the standard FHA floor: 65% of the $832,750 national conforming baseline. Two- to four-unit properties have higher limits.
Can I use an FHA loan above $541,287?
Not as a standard FHA loan. A single-family purchase above $541,287 in Clark County exceeds the 2026 FHA limit, so you would typically use a conventional loan (up to $832,750) or a jumbo loan instead. We price and compare all three in-house.
Is the FHA loan limit the same across Nevada?
No — FHA limits are set county by county. $541,287 is the Clark County single-family figure for 2026; other Nevada counties can differ. Las Vegas, Henderson, North Las Vegas, and the rest of Clark County share the same limit.
What credit score do I need for an FHA loan?
FHA allows a 3.5% down payment with a FICO of 580 or higher. Scores from 500 to 579 generally require 10% down. Credit, income, and the property must still meet FHA and lender guidelines. See the full FHA credit score requirements for Las Vegas and today's FHA rates to model your scenario.
What documents do I need to prepare for an FHA loan?
Lenders typically require two years of W-2s and tax returns, 30 days of pay stubs, two months of bank statements, and a government-issued ID. Self-employed borrowers provide two years of business returns and a year-to-date profit-and-loss statement. Review the full FHA loan requirements and application checklist for Nevada before you apply.
Did the Clark County FHA limit go up from 2025 to 2026?
Yes. The single-family FHA limit for Clark County rose from $524,225 in 2025 to $541,287 in 2026 — an increase of $17,062 (about 3.3%). The change follows the higher national conforming baseline ($806,500 to $832,750), which FHA multiplies by 65% to set the floor for lower-cost counties.
Can I use an FHA loan for a duplex or fourplex in Las Vegas?
Yes — FHA allows 2-to-4-unit properties as long as you live in one unit as your primary residence. The 2026 Clark County limits step up to $693,050 for a duplex, $837,700 for a triplex, and $1,041,125 for a fourplex, all still at 3.5% down for qualified buyers. House-hacking a multi-unit can let rental income from the other units help you qualify.
How much is the down payment at the $541,287 FHA limit?
At the very top of the Clark County single-family limit, FHA's minimum 3.5% down on $541,287 is about $18,945, leaving a base loan around $522,342 before the financed upfront mortgage insurance premium. Most Las Vegas buyers purchase below the ceiling, so the cash to close is lower — use the FHA calculator to model your price and today's rates.
From the families we serve
Read what buyers say.
★★★★★
They actually shopped my file. Three lenders, one application — and beat my bank by a quarter point.
Marcus T. · Army · Henderson
★★★★★
Just 3.5% down made our first home possible years sooner than we thought. Closed in 28 days.
Jessica & Ray K. · Air Force
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The FHA streamline was almost effortless — barely any paperwork, and my payment dropped right away.
Daniel R. · Marine Corps
★★★★★
Every number was explained clearly. No surprises at closing — exactly what they told us up front.
Priya H. · Navy · Las Vegas
★★★★★
A real local team that picked up the phone every time. Felt like they were on our side the whole way.
Carlos G. · Army · Enterprise
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They walked us through the assistance options and handled the whole file. Five stars.
Tasha W. · Air Force · Spring Valley
★★★★★
They beat my bank’s quote with a rate I couldn't find anywhere — smooth, fast, and honest the whole way.
Marcus T. · Henderson, NV
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Closed in under a month. Every question answered by a real local person, never a call center.
Dana R. · Las Vegas, NV
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No surprise fees, no pressure. They explained every number until it actually made sense to us.
Priya & Sam · North Las Vegas
Customer experiences may vary. Reviews do not guarantee loan approval, rates, terms, or outcomes.
Your FHA option is
waiting to be used.
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