True Cost 2026 · Los Prados

Los Prados — True Cost 2026

The full monthly picture on one of the most affordable golf-course 55+ communities in the Las Vegas valley — HOA, Clark County property tax, and insurance.

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Monthly Cost on a $325,000 Home

Using the midpoint of Los Prados’ $250K–$400K price range, here is the approximate all-in monthly non-mortgage carrying cost. Confirm the current HOA statement and prior year’s Clark County tax bill for any specific home before making an offer.

HOA fee~$210/mo
Clark County property tax (~0.5–0.6% effective, capped at 3%/yr growth)~$135–$163/mo
Homeowners insurance~$85–$130/mo
Total (ex-mortgage)~$430–$503/mo
Nevada has zero state income taxFor a retired couple drawing $80,000/year from IRAs and Social Security, eliminating state income tax versus a 4–5% average state rate is worth roughly $3,200–$4,000 per year — savings that show up nowhere on a listing sheet but materially affect the true cost of living here versus a high-tax state.
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Why the Number Runs Lower Than Summerlin or Henderson

Los Prados’ HOA and price point sit below comparable golf-adjacent communities in Summerlin or Henderson largely because it is fully built out, all-resale, and located in North Las Vegas rather than the more heavily marketed southern and western valley corridors. Buyers trade some proximity to the Strip and Red Rock-area amenities for a meaningfully lower buy-in and carrying cost.

As with any resale-only community, ask directly about the age of major systems (roof, HVAC, plumbing) on any specific home, and request the HOA’s current reserve study and any planned special assessments before closing.

Want the Exact Numbers for a Specific Listing?

We can verify current HOA fees and pull the actual tax bill for any Los Prados home you’re considering.

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