89109 — Clark County, Nevada Market Snapshot
Housing market data for zip code 89109 in Clark County, Nevada. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$332,500
Days to Sell
90
Homes Sold
92
Inventory
246
Sale-to-List
96.3%
New Listings
155
Price/SqFt
$390
Pending Sales
114
Conforming Loan Available
Most homebuyers in 89109 can comfortably use conventional financing. The median home price of $332,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 90 days on average, 89109 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 89109 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 89109 can comfortably use conventional financing. The median home price of $332,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 89109 are set at the county level.
2026 Loan Limits — Clark County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 89109
To purchase the median home at $332,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,698.
Monthly Payment
$2,698
Income Required
$115,608
Principal & Interest
$2,049/mo
Down Payment (5%)
$16,625
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 89109.
Estimated Monthly Payment
$2,208
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