By Keli James • Real Estate Consultant, SimpliHŌM • S.56134 LLC • LVLocalGuide.com
If you’ve been watching Las Vegas home prices climb, here’s some good news: the federal government just gave our market a little breathing room.
The Federal Housing Finance Agency (FHFA) announced the new 2026 Conforming Loan Limits, and Clark County is getting a bump — making it easier for buyers to qualify for higher-priced homes without crossing into jumbo-loan territory.
And in a city where $500k–$900k homes are the norm in neighborhoods like Summerlin, The Lakes, Peccole Ranch, and Henderson’s most popular communities? This is a big deal.
For Clark County (Las Vegas–Henderson–North Las Vegas):
New 2026 Conforming Loan Limit:
$832,750
(Up from $806,500 in 2025)
That’s more than a $26,000 increase — directly tied to rising home prices in the FHFA Home Price Index.
This means buyers can borrow more without entering a jumbo loan, which usually comes with:
Plus, homeowners with a current jumbo loan may finally be able to refinance into a Conventional loan and potentially save money.
No — not yet.
Some areas like NYC and Silicon Valley qualify as “high-cost,” pushing their limits over $1.24M. Las Vegas isn’t in that category, but with steady growth and rising values, the annual increases are helping buyers stay competitive.
Loan limits rise when home prices rise. The FHFA saw a 3.26% increase nationally from Q3 2024 to Q3 2025 — and the new limits reflect that.
If you’re shopping in the $700k–$900k range, this limit increase lets you:
This is especially helpful with Las Vegas inventory tightening and demand increasing from California and other relocation markets.
If you bought your home with a jumbo loan, you might now qualify to refinance into a Conventional loan. That can mean:
This applies whether you’re staying put or preparing to sell.
These loan limits don’t impact VA buyers in the same way (VA loans do not technically have loan limits for qualified buyers). However, higher conforming limits can reduce lender overlays and make approvals smoother in mid-luxury and luxury segments.
Veterans shopping near $800k will benefit from this adjustment.
Even with growth, Las Vegas remains more affordable than many metros with similar amenities, including:
Higher loan limits simply make it easier for buyers to compete in mid-to-high-end price ranges.
Whether you want to know:
I can help.
Get your free home valuation: https://LVLocalGuide.com/selling
Or reach out directly:
Keli James
Real Estate Consultant, SimpliHŌM
S.56134 LLC
Phone: 702-265-4323
Email: KeliJamesLV@gmail.com
Website: LVLocalGuide.com
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