89138 — Clark County, Nevada Market Snapshot
Housing market data for zip code 89138 in Clark County, Nevada. Updated monthly with median prices, days on market, and more.
Market Sales Data
228 sales in 2026 (year to date)
Median Sale Price
$797,250
Days to Sell
79
Homes Sold
228
Inventory
326
Sale-to-List
97.7%
New Listings
366
Price/SqFt
$341
Pending Sales
246
Conforming Loan Available
The median home in 89138 at $797,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 79 days on average, 89138 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 89138 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 89138 at $797,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 89138 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 89138
To purchase the median home at $797,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,258.
Monthly Payment
$6,258
Income Required
$268,212
Principal & Interest
$4,912/mo
Down Payment (5%)
$39,863
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 89138.
Estimated Monthly Payment
$5,084
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