Cheapest & Safest Places to Live in Nevada (2025 Guide)

Looking for the cheapest and safest places to live in Nevada in 2025?

You're not alone—homebuyers, retirees, and remote workers are flooding to low-cost cities like Elko, Carlin, and Fernley. With no state income tax, housing under $200K, and strong job markets, Nevada is quickly becoming a top destination for smart, budget-friendly living.

Whether you need safety, affordability, or both, this guide reveals exactly where to live in Nevada without breaking the bank. Let’s dive into 2025’s most affordable, livable cities—from hidden gems to growth hubs.

Here’s how the most affordable cities in Nevada compare by key living costs and job markets:

Takeaway: Carlin and Ely are Nevada’s most cost-effective cities—ideal for buyers seeking homes under $200K with low monthly costs.

Looking beyond Nevada? Check out these affordable cities in Colorado for smart buyers.

Looking for the lowest cost of living in Nevada? It’s not just about home prices. If you want to maximize savings year after year, you also need to consider property tax rates and monthly utility bills—and that’s where these three cities shine.

Here are Nevada’s cheapest cities to live based on total monthly out-of-pocket expenses:

Las Vegas isn’t just luxury towers and casinos. There are several affordable places to live in Las Vegas where you can enjoy the benefits of the city without paying Strip prices.

Here are the cheapest neighborhoods in Las Vegas with strong livability scores:

• Median Home Price: ~$365,000
• Rent (1BR): ~$1,190/month
• Why Live Here?

Affordable housing + mountain views + quick access to downtown Vegas. Great for first-time buyers.

• Median Home Price: ~$394,000

• Rent: Varies; lower than Las Vegas average

• Why Live Here?

Central location, entertainment, nightlife, and lower-than-average cost of living.

• Median Home Price: ~$410,000
• Rent: ~$1,300/month
• Why Live Here?

Suburban, family-friendly, newer developments, and close to schools and parks.

Add-on Tip: Many of these areas offer affordable homes for sale under $400K and qualify for FHA loans and down payment assistance.

Nevada isn’t one-size-fits-all. Whether you're raising a family, retiring, or working remote—there's a city in the Silver State that fits your needs.

Nevada isn't just about bright lights and casinos—it’s a state that offers affordable housing, no state income tax, and plenty of job opportunities. Here’s why many people are choosing to move to Nevada:

Nevada is one of the few states with no state income tax, allowing residents to keep more of their earnings.

The Nevada cost of living is generally lower than in neighboring states like California, making it a great option for those looking to buy or rent at a more affordable price.

Cities like Las Vegas, Reno, and North Las Vegas are expanding, offering new career opportunities in tech, tourism, logistics, and healthcare.

From hiking in Red Rock Canyon to skiing in Lake Tahoe, Nevada offers plenty of outdoor activities for nature lovers.

Before making a move, it’s important to understand the cost of living in Nevada, including housing, transportation, and utilities.

Curious whether building is cheaper than buying in Nevada? Learn how much it costs to build a house vs buy —from permits to materials.

• Median Home Price: $458,300 (statewide average)

• Most Affordable Home Prices: $184,674 - $370,000 (depending on location)

• Average Rent for a One-Bedroom Apartment: $1,447 per month

• Electricity, water, and gas: $150/month on average

• Public Transit Pass (Monthly): $65 (varies by city)

• Gas Prices: Typically lower than California but fluctuates based on national trends

• Monthly Grocery Bill (for two people): $300–$500

These estimated living expenses in Nevada will help you budget effectively before making the big move.

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If you're looking for the best cities to live in Nevada while keeping costs low, check out these affordable towns and their highlights.

Pahrump offers a small-town feel with affordable housing, wineries, and proximity to Las Vegas. It’s a great option for those seeking a quieter lifestyle without being too far from big-city amenities.

• Home Prices: Median home price ~$333,513, lower than the state average.

• Cost of Living: Affordable; rent averages ~$1,117/month for a one-bedroom apartment.

• Job Market: Opportunities in tourism, hospitality, and retail; major employers include the Pahrump Valley Winery and local casinos.

Located near Las Vegas, Sunrise Manor provides lower housing costs with scenic mountain views. It’s ideal for those who want to stay close to the city but save on living expenses.

• Home Prices: Median home price ~$365,000, more affordable than Las Vegas.

• Cost of Living: Budget-friendly; rent averages ~$1,190/month for a one-bedroom apartment.

• Job Market: Strong in hospitality, healthcare, and construction; major employers include local hospitals and gaming establishments.

Fernley is a great choice for outdoor enthusiasts, offering a mix of affordability and nature while being just 30 minutes from Reno.

• Home Prices: Median home price ~$370,000, making it a reasonable choice for buyers.

• Cost of Living: Lower than Reno; rent averages ~$1,472/month.

• Job Market: Opportunities in manufacturing, logistics, and retail; major employers include Tesla Gigafactory and Amazon Fulfillment Center.

North Las Vegas provides suburban living with lower home prices than central Las Vegas while still offering ample job opportunities.

• Home Prices: Median home price ~$405,968, more affordable than many Las Vegas neighborhoods.

• Cost of Living: Reasonable; rent averages ~$1,205/month.

• Job Market: Strong in technology, manufacturing, and aerospace; major employers include Nellis Air Force Base and Amazon.

Elko is known for its historic charm, small-town feel, and affordable cost of living, making it an attractive option for budget-conscious residents.

• Home Prices: Median home price ~$342,530, lower than the state average.

• Cost of Living: Affordable; rent averages ~$1,460/month.

• Job Market: Opportunities in mining, healthcare, and education; major employers include Newmont Mining Corporation and Northeastern Nevada Regional Hospital.

If you're considering buying a home in Nevada, here are some of the cheapest places to buy a house.

For undervalued markets like Carlin and Ely, the cost approach in real estate can help determine true property value.

Carlin is one of the most affordable housing markets in Nevada, offering small-town charm with a low cost of living. It is ideal for homebuyers looking for budget-friendly real estate without sacrificing quality of life.

• Home Prices: Median home price ~$184,674, significantly lower than the state average.

• Cost of Living: Affordable; low property taxes make it even more budget-friendly.

• Job Market: Opportunities in mining, transportation, and local services; major employers include Nevada Gold Mines and the local school district.

Ely, a historic mining town in eastern Nevada, offers a strong sense of community and a low cost of living. With scenic surroundings and outdoor recreation, it’s a great choice for those seeking affordability and a quiet lifestyle.

• Home Prices: Median home price ~$195,208, among the lowest in the state.

• Cost of Living: 20.7% below the national average, making it one of the most cost-effective places to live.

• Job Market: Employment opportunities in mining, healthcare, and tourism; major employers include Robinson Mine and William Bee Ririe Hospital.

West Wendover, located on the Nevada-Utah border, is known for its lower home prices and relaxed desert lifestyle. The area provides an affordable alternative to larger cities while offering scenic views and a close-knit community.

• Home Prices: Median home price ~$276,060, still below the state median.

• Cost of Living: Lower than major Nevada cities, with affordable utilities and daily expenses.

• Job Market: Strong in hospitality, retail, and tourism; major employers include local casinos, hotels, and the school district.

Find the Perfect Mortgage in Nevada with Be My Neighbor.

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If you're looking for financial assistance when buying a home or renting in Nevada, consider these programs:

Not sure where to start? Here's a guide on the mortgage pre-approval process and how it gives you a competitive edge.

• The Greater Nevada Mortgage Program offers grants up to $50,000 to help first-time homebuyers with down payments and closing costs.

• Nevada offers low-income housing vouchers and affordable rental assistance programs to help families find budget-friendly apartments.

• Check the Nevada Housing Division Website for eligibility and resources.

• Contact Local Housing Authorities to find out what assistance programs are available in your area.

Start with your lifestyle priorities—then match them to Nevada's hidden gems.

Not all affordable towns offer the same quality of life. Here's how to pick the right one:

• For job access: Choose cities like North Las Vegas or Fernley near major employers (Amazon, Tesla, Nellis AFB).

• For retirees or peace-seekers: Look into Ely, Carlin, or West Wendover—quiet, low crime, scenic.

• For families: Go with Fernley or Elko—good schools, parks, and community.

• For remote workers: Carlin and West Wendover offer fast internet and ultra-low costs.

Pro Tip: Don’t just look at home prices. Compare property taxes, utilities, commute times, and job access.

If safety’s your top concern, explore the safest cities to live in Virginia too.

Small-town Nevada = Big savings… but is it for everyone?

• Lower housing costs (some under $200K)

• Quiet, close-knit communities

• Less traffic, more nature

• No state income tax

• Fewer job options compared to cities

• Limited entertainment and shopping

• Less frequent public transport

• Slower home appreciation in some towns

Bottom Line: If you value space, peace, and affordability over nightlife—small-town Nevada might be perfect for you.

Compare this with affordable towns in Washington for a coastal alternative.

Carlin is the cheapest place to live in Nevada in 2025.

• Median home price: ~$184,674

• Low property tax rate: ~0.48%

• Small-town charm: Quiet, budget-friendly, and job access via Nevada Gold Mines.

Perfect for first-time buyers and budget-conscious movers.

Yes—Nevada is significantly more affordable than California.

• No state income tax (California charges up to 13.3%)

• Lower home prices: ~$458K in Nevada vs ~$787K in CA

• Cheaper utilities, insurance, and gas

Many Californians move to Nevada to stretch their income further.

Elko, Ely, and Fernley offer the best mix of safety and affordability.

• Low crime rates + housing under $370K

• Tight-knit communities, good schools, and job access

Ideal for families, retirees, and remote workers.

Cities like Carlin, Ely, and Fernley lead in low ongoing expenses.

• Property taxes under 0.60%

• Average utilities: $135–$150/month

That’s thousands saved annually—without compromising comfort.

Yes—North Las Vegas offers lower housing and rent than Las Vegas proper.

• Home prices: ~$405,968 (vs ~$450K+ in Las Vegas)

• Family-friendly, near job hubs (Amazon, Nellis AFB)

Smart choice for first-time buyers and working professionals.

Also exploring the South? See the safest cities to live in Alabama for a warm, low-cost lifestyle.

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Still exploring options? Compare with affordable places to live in Arizona.

Find the Perfect Mortgage in Nevada with Be My Neighbor.

Compare options, calculate payments, and get expert guidance—all in one place.

Get Pre-approved