The typical owner-occupied home in Laughlin is worth about $283,700, 35% below the Nevada median of $435,400 and 15% below the national median of $332,700. Owners pay a median $1,702 a year in property taxes, about 0.60% of their home's value, higher than the Nevada rate of 0.47%. The median household earns $45,685 a year, so the median home costs 6.2 times the median income (5.6 times for Nevada). 50% of occupied homes here are lived in by their owners, and 51% of those owners still have a mortgage.
Laughlin at a glance
| Laughlin | Nevada | U.S. | |
|---|---|---|---|
| Median home value | $283,700 | $435,400 | $332,700 |
| Median property tax paid per year | $1,702 | $2,027 | $3,119 |
| Property tax as a share of value | 0.60% | 0.47% | 0.94% |
| Median household income | $45,685 | $78,260 | $80,734 |
| Homes lived in by their owners | 50% | 60% | 65% |
| Owner homes with a mortgage | 51% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,427 | $1,932 | $1,963 |
| Those costs as a share of the owners' income | 24.7% | 22.3% | 21.0% |
| Median rent | $1,112 | $1,597 | $1,413 |
| Rent as a share of renters' income | 39.8% | 33.1% | 30.6% |
| Median year homes were built | 1992 | 1996 | 1980 |
| Vacant homes | 19.8% | 9.3% | 10.1% |
| Population | 8,789 | 3,184,612 | 334,922,499 |
What a typical home costs per month in Laughlin
At this week's average 30-year rate of 7.11%, buying the median Laughlin home of $283,700 with 20% down costs about $1,787 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,259, 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 $76,578 for the 20%-down payment. That payment is 47% of the median Laughlin household income of $45,685; at that income and 20% down, the 28% guideline points to a home of about $169,000.
The median rent here is $1,112 a month, so owning the median home costs about $675 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $56,740 |
|---|---|
| Loan amount | $226,960 |
| Principal and interest | $1,527 |
| Property taxes (0.60% a year) | $142 |
| Homeowners insurance (our estimate, 0.5% a year) | $118 |
| PMI | $0 |
| Total per month | $1,787 |
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| Down payment | $9,930 |
|---|---|
| Loan amount | $278,561 |
| Principal and interest | $1,874 |
| Property taxes (0.60% a year) | $142 |
| Homeowners insurance (our estimate, 0.5% a year) | $118 |
| FHA mortgage insurance | $125 |
| Total per month | $2,259 |
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Questions about home buying in Laughlin
What is the median home value in Laughlin?
About $283,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Laughlin?
Homeowners pay a median $1,702 a year, which is about 0.60% 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 Laughlin?
For the median home with 20% down at 7.11%, the payment is about $1,787 a month. Keeping that under 28% of gross income takes about $76,578 a year.
More about Laughlin
- Mortgage Refinance in Laughlin
- Debt Relief in Laughlin
- Home Equity Loans in Laughlin
- 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