What is the FHA loan limit in Las Vegas for 2025?

The 2025 FHA loan limit for Las Vegas (Clark County) is $498,257 for a single-family home. For multi-unit properties: $637,950 (duplex), $771,125 (triplex), and $958,350 (fourplex). These limits represent the maximum amount you can borrow with an FHA loan in the Las Vegas metro area, including Henderson and North Las Vegas.

Are FHA loan limits the same in all Nevada counties?

Yes, for 2025, all Nevada counties share the same FHA loan limits. Clark County (Las Vegas), Washoe County (Reno), Carson City, and all 14 rural counties have a single-family limit of $498,257. This is because Nevada's median home prices fall within the standard FHA floor limit range set by HUD.

What happens if the home I want exceeds the FHA limit?

If the home you want costs more than $498,257 in Nevada, you have several options: Make a larger down payment to bring the loan amount under the FHA limit, consider a conventional loan (conforming limit is $766,550 in 2025), look into jumbo loan options for higher-priced properties, or look for homes within the FHA limit range.

Can I buy a multi-unit property with FHA in Nevada?

Yes! FHA loans allow you to purchase 2-4 unit properties with just 3.5% down, as long as you live in one unit. Nevada's 2025 FHA multi-unit limits are: Duplex (2-unit): $637,950, Triplex (3-unit): $771,125, Fourplex (4-unit): $958,350. This is an excellent house-hacking strategy.

FHA Loan Limits 2025

Nevada FHA Loan Limits 2025

Get complete county-by-county FHA loan limits for Nevada, including Clark County, Washoe County, and rural areas.

Complete FHA Limits Guide

County-by-county breakdown, high-cost area limits, and how FHA limits affect your Nevada home purchase in Las Vegas, Reno, and Henderson.

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Clark County

Las Vegas, Henderson, North Las Vegas limits

Washoe County

Reno, Sparks, Northern Nevada limits

Rural Counties

All Nevada counties covered

FHA Loan Limits FAQs

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