Las Vegas, NV Mortgage Rates
Live Mortgage Rates in Las Vegas, Nevada
6.615%
Las Vegas Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:43 PM UTC
Sourced live from hundreds of wholesale lenders serving Las Vegas and Nevada
Las Vegas Benchmark Rates
Lowest available rate with no discount points paid in Las Vegas, NV for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Las Vegas, NV | 6.615% | 6.651% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Las Vegas, NV | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Las Vegas, NV | 5.990% | 6.021% |
2026 Loan Limits in Nevada
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Nevada counties.
About Las Vegas Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Las Vegas, Nevada homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Nevada and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Las Vegas property.
Your specific Las Vegas rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Nevada lender network, use the Rate Direct pricer.
Las Vegas buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Nevada, see the Nevada DPA guide.
Get your personalized Las Vegas mortgage rate
The rates above are the market benchmark for Las Vegas. Your actual rate depends on your scenario.