The typical owner-occupied home in Carson City is worth about $453,000, 4% above the Nevada median of $435,400 and 36% above the national median of $332,700. Owners pay a median $1,870 a year in property taxes, about 0.41% of their home's value, lower than the Nevada rate of 0.47%. The median household earns $72,355 a year, so the median home costs 6.3 times the median income (5.6 times for Nevada). 62% of occupied homes here are lived in by their owners, and 57% of those owners still have a mortgage.
Carson City at a glance
| Carson City | Nevada | U.S. | |
|---|---|---|---|
| Median home value | $453,000 | $435,400 | $332,700 |
| Median property tax paid per year | $1,870 | $2,027 | $3,119 |
| Property tax as a share of value | 0.41% | 0.47% | 0.94% |
| Median household income | $72,355 | $78,260 | $80,734 |
| Homes lived in by their owners | 62% | 60% | 65% |
| Owner homes with a mortgage | 57% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,874 | $1,932 | $1,963 |
| Those costs as a share of the owners' income | 21.0% | 22.3% | 21.0% |
| Median rent | $1,248 | $1,597 | $1,413 |
| Rent as a share of renters' income | 29.9% | 33.1% | 30.6% |
| Median year homes were built | 1981 | 1996 | 1980 |
| Vacant homes | 5.8% | 9.3% | 10.1% |
| Population | 58,384 | 3,184,612 | 334,922,499 |
What a typical home costs per month in Carson City
At this week's average 30-year rate of 7.11%, buying the median Carson City home of $453,000 with 20% down costs about $2,781 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,536, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $119,204 for the 20%-down payment. That payment is 46% of the median Carson City household income of $72,355; at that income and 20% down, the 28% guideline points to a home of about $275,000.
The median rent here is $1,248 a month, so owning the median home costs about $1,533 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $90,600 |
|---|---|
| Loan amount | $362,400 |
| Principal and interest | $2,438 |
| Property taxes (0.41% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $189 |
| PMI | $0 |
| Total per month | $2,781 |
Change the numbers in the calculator
| Down payment | $15,855 |
|---|---|
| Loan amount | $444,795 |
| Principal and interest | $2,992 |
| Property taxes (0.41% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $189 |
| FHA mortgage insurance | $200 |
| Total per month | $3,536 |
Change the numbers in the calculator
Questions about home buying in Carson City
What is the median home value in Carson City?
About $453,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Carson City?
Homeowners pay a median $1,870 a year, which is about 0.41% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Carson City?
For the median home with 20% down at 7.11%, the payment is about $2,781 a month. Keeping that under 28% of gross income takes about $119,204 a year.
More about Carson City
- Mortgage Refinance in Carson City
- Debt Relief in Carson City
- Home Equity Loans in Carson City
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data