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QUICK ANSWER — FHA loans in Reno NV: 580+ credit for 3.5% down. Washoe County FHA limit is $532,900. Median home price $485K means $16,975 down. Nevada has no state income tax. Valley West Mortgage. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

FHA Loans Reno, NV

Washoe County FHA limit $532,900. Median home $485K. 3.5% down = $16,975. Valley West is licensed in Nevada.

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RENO FHA

Reno FHA Quick Facts

FHA limit: $532,900
Median home: $485,000
Min down (3.5%): $16,975
Property tax: ~0.84%
State income tax: $0
Population: 280,000+
NEIGHBORHOODS

Popular Reno FHA Areas

South Reno
$520K

Near FHA limit, top schools

Sparks
$420K

Affordable, growing fast

Midtown
$460K

Walkable, restaurants, culture

Sun Valley
$350K

Most affordable in Washoe

Family at their new home
FAQ

Questions? Answered.

The 2026 FHA limit for Washoe County (Reno/Sparks) is $532,900 for a single-family home.

Yes. The median of $485K is well under the $532,900 limit. No state income tax. Growing tech economy with Tesla, Apple, and Google nearby.

Yes. Sparks is in Washoe County with the same $532,900 limit. The $420K median makes FHA very accessible.

Yes. Valley West Mortgage is licensed in Nevada and serves all of Washoe County including Reno, Sparks, and Sun Valley.

Washoe County property taxes average about 0.84% of assessed value — roughly $4,074/year on a $485K home.

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WHY US
The Valley West Difference
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28
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REVIEWS

What VA Buyers Say

★★★★★

"$0 down, no PMI, lowest rate. Closed in 24 days."

— Las Vegas
★★★★★

"Third VA purchase with Valley West. Always the best deal."

— Henderson
★★★★★

"Saved $66K over conventional. Zero fees."

— North Las Vegas

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