Nevada closing cost calculator

Nevada buyers pay no mortgage tax, and the seller usually pays the transfer tax. In northern Nevada the owner’s title policy is often split.

Nevada’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

County or city

Nevada: Real property transfer tax: 0.39% of the price, and the seller usually pays it. Owner’s title is usually paid by the seller, though it varies.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $103,019

2.6%closing costs

Purchase price$455,000
Down payment (20%)$91,000
- Loan amount$364,000
Loan costs+$4,340
- Origination and lender feesest.+$3,640
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes+$337
- Property taxes the seller prepaidest.+$337
Prepaids and escrow+$5,542
- Homeowner’s insurance, first yearest.+$2,275
- Prepaid interest (27 days)est.+$1,750
- Property tax escrow (3 months)est.+$1,138
- Insurance escrow (2 months)est.+$379
Other costs+$450
- Home inspectionest.+$450
Cash to close$103,019

Estimated monthly payment$2,870

Principal and interest$2,301
Mortgage insurance$0
Property taxes$379
Insurance$190
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Nevada purchase, worked out

The calculator opens on $455,000, about the median value of an owner-occupied home in Nevada ($455,500, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $103,019: $91,000 down and $12,019 in closing costs, 2.6% of the price. Nevada charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $2,870, with property tax and insurance.

Cash to close on $455,000, 20% down
Down payment	$91,000
Origination and lender feesest.	+$3,640
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property taxes the seller prepaidest.	+$337
Homeowner’s insurance, first yearest.	+$2,275
Prepaid interest (27 days)est.	+$1,750
Property tax escrow (3 months)est.	+$1,138
Insurance escrow (2 months)est.	+$379
Home inspectionest.	+$450
Cash to close	$103,019

Estimates are tagged “est.”; Nevada’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Nevada has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Nevada’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$8,022	$58,022	$1,597
$500,000	—	$12,960	$112,960	$3,153
$750,000	—	$18,350	$168,350	$4,730
$1,000,000	—	$23,800	$223,800	$6,307
$2,000,000	—	$45,599	$445,599	$12,613

Buying in Nevada: what to know

No buyer’s taxes

Nevada has no buyer-paid mortgage tax, and the transfer tax is customarily the seller’s.

Real property transfer tax

Nevada’s real property transfer tax is $1.95 per $500 (0.39%) in most counties, rounded up to the next $500. Clark County charges $2.55 per $500 (0.51%), and Washoe and Churchill counties $2.05 per $500 (0.41%). The seller customarily pays it, though by law buyer and seller are both liable, so it can be negotiated.

Title insurance

The seller commonly pays for the owner’s policy in Clark County. In northern Nevada the practice differs and the policy is often negotiated or split.

Who runs the closing

Escrow and title companies close Nevada sales. An attorney isn’t required.

Property taxes and escrow

Nevada’s tax year runs July 1 to June 30. Bills go out in summer and are generally paid in four installments (August, October, January and March) during the year they cover, so they are paid ahead and prorated by fiscal year.

Local differences

Clark County (Las Vegas) 0.51%; Washoe County (Reno) and Churchill County 0.41%; all other counties 0.39%.

Nevada by county

Most of Nevada follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the buyer usually pays in transfer and deed taxes on $455,000 with 20% down, plus the owner’s title policy where the buyer usually buys it.

Everywhere else in Nevada

The state’s rules, as above

$0

Clark County

Real property transfer tax 0.51%

$0 Same as elsewhere

Washoe County

Real property transfer tax 0.41%

$0 Same as elsewhere

Buying in Nevada: questions

Does the buyer pay transfer tax in Nevada?

Not by custom; the seller usually pays it. Because both parties are legally liable, a contract can assign it to the buyer.

Is there a mortgage tax in Nevada?

No. Nevada buyers pay recording fees on the mortgage but no tax on the loan.

How are property taxes handled when buying in Nevada?

Nevada bills the July-to-June year in installments paid during the year, so the buyer often reimburses the seller at closing for prepaid time.

How much are closing costs in Nevada?

On a $455,000 home with 20% down on a conventional loan, the calculator’s estimates put a Nevada buyer’s closing costs at about $12,019, or 2.6% of the price, and cash to close at $103,019. Nevada charges the buyer no state transfer or mortgage tax, though a county or city can. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

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