2026 FHA Loan Limits in Nevada
FHA loan limits are updated every year, and these limits can vary widely across different counties throughout the United States. This is especially true in Nevada, which has a broad range of FHA loan limits despite the state having only 17 counties.
If you’re planning to buy a home, understanding FHA loan limits across all areas of the state can aid in your search. This guide will explain the limits for FHA loans in Nevada — which range from $541,287 for single-family homes in most areas to $736,000 in Douglas County — and provide some tips for getting approved for a mortgage when you apply.
Nevada FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| CARSON CITY | $575,000 | $736,100 | $889,800 | $1,105,800 | $499,000 |
| CHURCHILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| CLARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $462,000 |
| DOUGLAS COUNTY | $736,000 | $942,200 | $1,138,900 | $1,415,400 | $640,000 |
| ELKO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| ESMERALDA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $111,000 |
| EUREKA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| HUMBOLDT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| LANDER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| LYON COUNTY | $638,250 | $817,050 | $987,650 | $1,227,400 | $555,000 |
| MINERAL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| NYE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| PERSHING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $139,000 |
| STOREY COUNTY | $638,250 | $817,050 | $987,650 | $1,227,400 | $555,000 |
| WASHOE COUNTY | $638,250 | $817,050 | $987,650 | $1,227,400 | $555,000 |
| WHITE PINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
How are FHA loan limits determined?
The Federal Housing Administration (FHA) establishes FHA loan limits that depend on property type and location. The agency reviews and updates loan limits annually to ensure they align with current median home sale prices. The formula used to calculate FHA loan limits takes into account both housing price data and the national conforming loan limits set by the Federal Housing Finance Agency (FHFA).
FHA loan limits fall into three buckets:
- “Floor”: This is the lowest FHA loan limit anywhere in the country, and for 2026 it’s $541,287, which is 65% of the conforming loan limit. Areas where the floor applies are considered low cost.
- “Ceiling”: This is the highest loan limit in the country, which is set at 150% of the conforming loan limit. In 2026, the “ceiling” is $1,249,125 for a single-family home. Areas where the ceiling applies are considered high cost.
- Special exception areas: Separate and much higher FHA loan limits — up to $1,873,687 — apply in Alaska, Hawaii, Guam and the U.S. Virgin Islands to account for their high construction costs.
Many counties, including five counties in Nevada, have loan limits that are between the floor and ceiling.
How to qualify for an FHA loan in Nevada
Here are the most important FHA loan requirements to keep in mind when buying a home in Nevada:
- Credit score: The minimum credit score for FHA loans is 500, and that lower score requires at least a 10% down payment. You can put down as little as 3.5% of a home’s purchase price if you have a 580 credit score or higher.
- Debt-to-income ratio: Your debt-to-income (DTI) ratio is determined by adding up all your monthly debt payments and dividing that number by your gross monthly income. To qualify for an FHA mortgage, you’ll likely need to have a maximum 43% DTI ratio.
- Down payment: You’ll need a minimum 3.5% down payment if you have a 580 credit score or higher, or at least a 10% down payment if your credit score is between 500 and 579.
- FHA appraisal: An FHA appraisal is required to purchase a home with this loan type, and this appraisal is unique. Not only do FHA appraisals show what a home is worth, but they also prove a home meets FHA safety standards for occupancy.
- Mortgage insurance: FHA mortgage insurance needs to be paid up front as part of the home purchase, as well as on an annual basis for the life of the loan, though the annual premiums are paid monthly.
- Occupancy requirements: FHA loans are for owner-occupiers only, so homeowners must live in the property as their primary residence for a minimum of one year.
Buying a multifamily property with an FHA loan
FHA loans are compatible with multifamily properties with up to four units, but to qualify you’ll need to meet these additional requirements:
- Occupancy: You must live in one of the units as your primary residence for at least one year, but you are permitted to rent additional rooms or units (known as house hacking).
- Cash reserves: You’ll need to show that you have three months’ worth of cash reserves on hand to purchase a three- or four-unit property. You can get a way with a little less — two months’ worth of reserves — if you buy a two-unit home where one of the units is an accessory dwelling unit (ADU).
- Rental income: You may be able to use a portion of the estimated future rental income to qualify for the loan, which could mean a little extra buying power.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Nevada
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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