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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Nevada residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Nevada, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Lemmon Valley, Nevada
- Payment to income ratio: 36.5%
- Median sale price: $434,257
- Median household income: $91,132
- Income needed to buy: $110,893
- Median monthly mortgage payment: $2,772
- See homes for sale in Lemmon Valley on

#2. North Las Vegas, Nevada
- Payment to income ratio: 42.5%
- Median sale price: $425,431
- Median household income: $76,772
- Income needed to buy: $108,639
- Median monthly mortgage payment: $2,716
- See homes for sale in North Las Vegas on

#3. Enterprise, Nevada
- Payment to income ratio: 42.5%
- Median sale price: $520,811
- Median household income: $93,980
- Income needed to buy: $132,996
- Median monthly mortgage payment: $3,325
- See homes for sale in Enterprise on

#4. Cold Springs, Nevada
- Payment to income ratio: 42.9%
- Median sale price: $462,176
- Median household income: $82,450
- Income needed to buy: $118,023
- Median monthly mortgage payment: $2,951
- See homes for sale in Cold Springs on

#5. Spanish Springs, Nevada
- Payment to income ratio: 43.6%
- Median sale price: $689,302
- Median household income: $121,250
- Income needed to buy: $176,022
- Median monthly mortgage payment: $4,401
- See homes for sale in Spanish Springs on

#6. Mesquite, Nevada
- Payment to income ratio: 45.6%
- Median sale price: $443,381
- Median household income: $74,439
- Income needed to buy: $113,223
- Median monthly mortgage payment: $2,831
- See homes for sale in Mesquite on

#7. Henderson, Nevada
- Payment to income ratio: 46.2%
- Median sale price: $534,571
- Median household income: $88,654
- Income needed to buy: $136,509
- Median monthly mortgage payment: $3,413
- See homes for sale in Henderson on

#8. Sparks, Nevada
- Payment to income ratio: 47.8%
- Median sale price: $542,545
- Median household income: $86,979
- Income needed to buy: $138,546
- Median monthly mortgage payment: $3,464
- See homes for sale in Sparks on

#9. Las Vegas, Nevada
- Payment to income ratio: 53.1%
- Median sale price: $490,418
- Median household income: $70,723
- Income needed to buy: $125,234
- Median monthly mortgage payment: $3,131
- See homes for sale in Las Vegas on

#10. Spring Valley, Nevada
- Payment to income ratio: 54.5%
- Median sale price: $514,916
- Median household income: $72,364
- Income needed to buy: $131,490
- Median monthly mortgage payment: $3,287
- See homes for sale in Spring Valley on

#11. Reno, Nevada
- Payment to income ratio: 58.7%
- Median sale price: $600,949
- Median household income: $78,448
- Income needed to buy: $153,460
- Median monthly mortgage payment: $3,837
- See homes for sale in Reno on

#12. Boulder City, Nevada
- Payment to income ratio: 60.8%
- Median sale price: $549,072
- Median household income: $69,145
- Income needed to buy: $140,213
- Median monthly mortgage payment: $3,505
- See homes for sale in Boulder City on

#13. Summerlin South, Nevada
- Payment to income ratio: 61.1%
- Median sale price: $903,953
- Median household income: $113,301
- Income needed to buy: $230,836
- Median monthly mortgage payment: $5,771
- See homes for sale in Summerlin South on

#14. Incline Village, Nevada
- Payment to income ratio: 104.7%
- Median sale price: $2,224,881
- Median household income: $162,821
- Income needed to buy: $568,152
- Median monthly mortgage payment: $14,204
- See homes for sale in Incline Village on