Total monthly cost of ownership
Cost to Own a Home in Carson, Nevada
A $427,000 home here costs
$3,093per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $132,500 a year.
A standard mortgage calculator would have told you $2,328. The real number is $765 higher every month, 33% more than the payment most buyers budget for.
Compare Carson City with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Carson against Carson City and Nevada
| Measure | Carson | Carson City |
|---|---|---|
| Median home value | $426,700 | $426,700 |
| Median property tax | $1,781 | $1,781 |
| Effective tax rate | 0.417% | 0.417% |
| Median gross rent | $1,172 | $1,172 |
| Population | 58,364 | 58,364 |
The weather behind that power bill
Carson sits in Carson City, which averages a high of 89.5°F in its hottest month and a low of 23.9°F in its coldest, with 9.34" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 538 cooling and 5,353 heating degree days, which is what sets the $118 electricity line above.
See the full climate breakdown for Carson City , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Carson City
No other places of this size are published in Carson City.
Talk to someone who works this market
These are Carson averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Carson every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Carson I already own here and may sell
Common questions
How much does it cost to own a home in Carson?
A $427,000 home in Carson, Nevada costs approximately $3,093 per month with 20% down at 7.24%. That is $2,328 principal and interest, $148 property tax, $75 homeowners insurance, $186 utilities and $356 set aside for maintenance.
What is the property tax rate in Carson?
Carson has an effective property tax rate of 0.417%, based on a median home value of $426,700 and median real estate taxes of $1,781. That is in line with the Carson City average of 0.417%.
What is the average home price in Carson?
The median owner-occupied home value in Carson, Nevada is $426,700, against $426,700 across Carson City.
Is it cheaper to rent or buy in Carson?
Median gross rent in Carson is $1,172 a month, against $3,093 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Carson?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Carson, Nevada at today's rate takes a household income of roughly $132,500 a year. That covers the full $3,093 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Carson, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Nevada.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.