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2025 FHA Loan Limits in Nevada

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FHA loan limits are updated every year, and these limits can vary widely across different states and counties throughout the United States. This is especially true in Nevada, which has a broad range of FHA loan limits despite the fact the state has only 17 counties.

If you’re planning to buy a home in the “Silver State,” 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 $524,225 for single-family homes in most areas to $718,750 in Douglas County, and provide some tips for getting approved for a mortgage when you apply.

Nevada FHA loan limits by county

Nevada single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
CARSON CITY	$575,000	$736,100	$889,800	$1,105,800	$500,000
CHURCHILL	$524,225	$671,200	$811,275	$1,008,300	$317,000
CLARK	$524,225	$671,200	$811,275	$1,008,300	$450,000
DOUGLAS	$718,750	$920,150	$1,112,250	$1,382,250	$625,000
ELKO	$524,225	$671,200	$811,275	$1,008,300	$305,000
ESMERALDA	$524,225	$671,200	$811,275	$1,008,300	$117,000
EUREKA	$524,225	$671,200	$811,275	$1,008,300	$305,000
HUMBOLDT	$524,225	$671,200	$811,275	$1,008,300	$250,000
LANDER	$524,225	$671,200	$811,275	$1,008,300	$205,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$135,000
LYON	$524,225	$671,200	$811,275	$1,008,300	$380,000
MINERAL	$524,225	$671,200	$811,275	$1,008,300	$73,000
NYE	$524,225	$671,200	$811,275	$1,008,300	$280,000
PERSHING	$524,225	$671,200	$811,275	$1,008,300	$126,000
STOREY	$632,500	$809,700	$978,750	$1,216,350	$550,000
WASHOE	$632,500	$809,700	$978,750	$1,216,350	$550,000
WHITE PINE	$524,225	$671,200	$811,275	$1,008,300	$133,000

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 median home sale prices, based on a formula issued in the National Housing Act (NHA). This formula uses relevant housing price data to come up with FHA loan limits for each county and state across the country, which include both a “floor” and “ceiling” limit. These limits are also created using national conforming loan limits set by the Federal Housing Finance Agency (FHFA) for home loans owned or guaranteed by Fannie Mae or Freddie Mac.

FHA loan limits fall into three calculators:

Low-cost floor: FHA loan limits at the lower end of the scale (the floor) apply to areas where 115% of the median home price is less than the floor limit. The “floor” in 2025 is $524,225 for a single-family home.
High-cost ceiling: High-cost areas use the maximum loan limit ceiling, which is set at 150% of the national conforming loan limit. In 2025, the “ceiling” is $1,209,750 for a single-family home in most of the country.
Special exception areas: Separate and much higher FHA loan limits — up to $1,814,625 — apply in Alaska, Hawaii, Guam and the U.S. Virgin Islands to account for construction costs.

How to qualify for an FHA loan in Nevada

Knowing the FHA loan limits in Nevada can help narrow your home search, but there are other moves that can help you qualify. These include making sure you can meet down payment and credit requirements to get approved. FHA loans also have limits on other debts and occupancy restrictions.

Here are the most important FHA loan requirements you should know about when buying a home in Nevada.

Credit score: The minimum credit score for FHA loans is 500, and that lower score requires a down payment of at least 10%. You can put down as little as 3.5% of the purchase price of the home if you have a credit score of 580 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 debt-to-income ratio of 43% or below.
Down payment: You’ll need to have a minimum down payment of 3.5% if you have a credit score of 580 or higher, or a down payment of 10% or more if your credit score is between 500 and 579.
FHA appraisal: An FHA appraisal is required to purchase a home with this type of loan, 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.
Loan limits: FHA loan limits across various counties in Nevada range from $524,225 to $718,750 for a single-family home.
Mortgage insurance: FHA mortgage insurance needs to be paid upfront as part of the purchase of a home, as well as on an annual basis throughout the life of the loan, though the annual premiums are paid monthly.
Occupancy requirements: FHA loans are for primary residences only, even if the property has up to four units. Homeowners must reside in the property as a primary residence for a minimum of one year.

Buying a multifamily property with an FHA loan

While FHA loans can make sense for borrowers who want to purchase a single-family home in Nevada, these loans can also be used for multifamily properties with up to four units. This makes FHA loans a valuable tool for house hacking, and for homeowners who may want to have a property for investment purposes in the future.

How can FHA loans be used for investment? Homeowners can purchase a multifamily home, live in one unit and rent out the other units to bring in mostly passive income each month. In another scenario, someone might purchase a multifamily home and live in it for one year before they rent it out as an investment property.

Higher FHA loan limits also apply for multifamily units in the state, which gives buyers more purchasing power. Nevada FHA loan limits for properties with up to four units are detailed below.