1st Advantage MortgageThe median Clark County household earns $76,472, and 13% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Nevada license first.
On this page
- Clark County by the numbers
- What it costs to live in Clark County
- What Clark County households earn
- Work, industries and travel time in Clark County
- How Clark County compares with nearby counties
- Places inside Clark County
- Debt-to-income at Clark County's medians
- Borrowing situations common in Clark County
- More Clark County figures
- Lender oversight for Clark County
- A Clark County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Clark County by the numbers
Clark County is home to about 2,329,548 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 1st most populous of 17 county-level areas in Nevada. Packed into 7,892 square miles, that is close to 295 residents for every square mile of land. For statistical purposes it belongs to the Las Vegas-Henderson-North Las Vegas, NV metro area, as delineated by the Office of Management and Budget in July 2023. Of the 25 Census places inside Clark County, Las Vegas leads by population with about 660,400; 5 of the 25 are incorporated.
What it costs to live in Clark County
Renters in Clark County pay a median of $1,626 a month, 2% above the Nevada figure of $1,597. 58% of renting households spend 30% or more of income on rent, and 30% spend half or more. Home values center on $431,000, or 5.6 years of median income. The ownership rate is 58%. The median year built is 1998.
| Cost | Clark County | Nevada figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,626/mo | $1,597/mo | $877/mo |
| Median home value | $431,000 | $435,400 | $185,300 |
| Owners | 58% | 60% | 75% |
| Rent-burdened renters | 58% | 56% | 45% |
| Burdened owners | 32% | 31% | n/a |
| Mobile homes | 2.7% | 5.2% | n/a |
| Vacant units | 9% | 9% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
What Clark County households earn
Half of Clark County households take in less than $76,472 a year and half take in more, 2% below the Nevada median of $78,260.
| Household income | Clark County | vs Nevada |
|---|---|---|
| Under $35,000 | 21.4% | +0.6 pts |
| $35,000 to $99,999 | 41.3% | +0.4 pts |
| $100,000 to $199,999 | 26.8% | -0.7 pts |
| $200,000 or more | 10.6% | -0.3 pts |
The spread is wide: 37% of Clark County households make $100,000 or more, and 21% make less than $35,000. 13.0% of residents fall below the federal poverty line (statewide: 12.4%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Clark County
By the Census industry count, 22% of employed Clark County residents work in arts, lodging and food service and 17% in education and health care. The sharpest difference from the state is in arts, lodging and food service, at 22% locally and 20% for Nevada. The survey's unemployment rate for Clark County averages 7.6% over 2020 to 2024 (state: 7.0%). 10% of commuters travel 45 minutes or more each way, and 12% work from home. Households without a car make up 7.6% of the total (7.0% statewide).
| Top industries | Clark County share | +/- vs Nevada |
|---|---|---|
| Arts, lodging and food service | 22.0% | +2.4 pts |
| Education and health care | 16.6% | -0.5 pts |
| Professional and administrative services | 13.0% | +0.3 pts |
| Retail trade | 11.3% | +0.2 pts |
| Construction | 7.6% | -0.1 pts |
| Transportation, warehousing and utilities | 7.6% | +0.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
How Clark County compares with nearby counties
Mohave County is closest, 79 miles from center to center; the sixth, Nye County, is 145 miles off. San Bernardino County leads the group on income ($85,478), Mohave County trails ($57,684), and Clark County out-earns 4 of the six. The list crosses into Arizona, California, Utah, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Clark County | - | $76,472 | $1,626/mo | 58% |
| Mohave County, AZ | 79 mi | $57,684 | $1,091/mo | 74% |
| Lincoln County, NV | 99 mi | $72,307 | $919/mo | 75% |
| Washington County, UT | 111 mi | $80,632 | $1,566/mo | 72% |
| San Bernardino County, CA | 114 mi | $85,478 | $1,801/mo | 62% |
| Inyo County, CA | 135 mi | $73,991 | $1,189/mo | 66% |
| Nye County, NV | 145 mi | $60,714 | $1,181/mo | 78% |
Places inside Clark County
Here are the 14 most populous of the county's 25 Census places, with income and rent from the same 2020 to 2024 survey. About 99% of Clark County residents live in one of the 25. Summerlin South has the highest median household income on the list ($117,035) and Laughlin the lowest ($45,685), counting places with at least 500 residents. City guides exist for the linked Clark County places; everyone else in the county can use this page.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Las Vegas | city | 660,400 | $73,877 | $1,563 | 14 mi |
| Henderson | city | 332,141 | $90,138 | $1,824 | 14 mi |
| North Las Vegas | city | 278,595 | $79,542 | $1,705 | 7 mi |
| Enterprise | CDP | 240,464 | $98,462 | $1,934 | 19 mi |
| Spring Valley | CDP | 219,187 | $74,511 | $1,743 | 16 mi |
| Sunrise Manor | CDP | 200,218 | $58,421 | $1,397 | 3 mi |
| Paradise | CDP | 185,913 | $59,190 | $1,372 | 11 mi |
| Whitney | CDP | 47,221 | $67,155 | $1,574 | 8 mi |
| Winchester | CDP | 37,081 | $50,120 | $1,220 | 9 mi |
| Summerlin South | CDP | 31,354 | $117,035 | $2,509 | 19 mi |
| Mesquite | city | 22,059 | $75,227 | $1,181 | 64 mi |
| Boulder City | city | 14,919 | $74,757 | $1,427 | 26 mi |
| Laughlin | CDP | 8,789 | $45,685 | $1,112 | 77 mi |
| Moapa Valley | CDP | 6,684 | $89,250 | $1,135 | 41 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Debt-to-income at Clark County's medians
Clark County at the medians, through a lender's eyes (what DTI means):
- Start: $6,373 gross per month ($76,472 / 12)
- Rent at the median, $1,626, takes 26% of that
- At 40%, room after rent is $923 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Clark County
A few patterns in the Clark County data, and the practical point behind each:
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Renters under pressure. When 58% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Advance-fee offers. No legitimate lender asks a Clark County borrower to pay first (scam signs).
More Clark County figures
College graduates make up 28% of the adult population. 12.2% of residents have no health coverage.
| People and households | Clark County | Nevada | Median county |
|---|---|---|---|
| Median age | 38.5 | 39.1 | 41.5 |
| Bachelor's or higher | 27.8% | 27.9% | 22.2% |
| No high school diploma | 13.1% | 12.5% | n/a |
| No health insurance | 12.2% | 11.4% | 7.8% |
| No vehicle | 7.6% | 7.0% | 5.4% |
| Work from home | 12.2% | 11.9% | 8.7% |
| Poverty rate | 13.0% | 12.4% | 13.2% |
| Unemployment (ACS) | 7.6% | 7.0% | 4.4% |
| Commute length | Clark County |
|---|---|
| Under 15 min | 19.0% |
| 15 to 29 min | 44.8% |
| 30 to 44 min | 26.3% |
| 45 to 59 min | 5.3% |
| 60+ min | 4.5% |
Lender oversight for Clark County
No county office licenses personal lenders. For Clark County, check the Nevada Financial Institutions Division. Federal complaints: consumerfinance.gov. Statewide data and rules: Nevada guide.
A Clark County borrower's checklist
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Nevada license before giving out your Social Security number.
- Ask about early-payoff penalties.
Nearby and statewide guides
Guides that cover parts of Clark County:
Frequently asked questions
How much do households in Clark County earn?
The median is $76,472; 37% earn $100,000 or more and 21% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Clark County?
$1,626 a month at the median, about 26% of median household income.
I live in a small Clark County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Las Vegas, Henderson, North Las Vegas, Enterprise, Spring Valley and 20 more.
Are Clark County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Clark County residents?
The Nevada Financial Institutions Division licenses consumer lenders in Nevada; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.