CALCMONEY // MORTGAGE // NV // LAS VEGAS // 89145
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 89145 in Las Vegas, NV.
$650,000
$520,000
$3,977
$170,452/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $650,000 | $585,000 | $3,853 | $4,405 | 6.9% |
| 20% Down | $650,000 | $520,000 | $3,425 | $3,977 | 6.9% |
| 25% Down | $650,000 | $487,500 | $3,211 | $3,763 | 6.9% |
Total monthly includes principal & interest, property tax (0.62% annual), and estimated homeowners insurance. PMI not included.
Summerlin West (ZIP 89145) sits within Las Vegas, Nevada with a median home price of $650,000 — significantly above the Las Vegas city-wide median of $440,000. At 80% LTV, the typical loan of $520,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 89145 run 0.62% annually, adding $336 per month on the median home. Median household income in this neighborhood is approximately $88,000, placing the price-to-income ratio at 7.4x. Nevada has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.