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Talk to a Specialist →Year-one itemized cost ($700K home)
| Line item | Annual | Monthly |
|---|---|---|
| HOA (single layer — no master add-on) | $2,820 | $235 |
| Property tax ($700K × 35% × $3.66/$100) | $8,967 | $747 |
| Homeowners insurance (valley floor) | ~$1,700 | ~$142 |
| All-in (excl. mortgage/utilities) | ~$13,487 | ~$1,124 |
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10-year property tax projection (3% cap)
| Year | Property tax | Year | Property tax |
|---|---|---|---|
| 1 | $8,967 | 6 | $10,395 |
| 3 | $9,513 | 8 | $11,028 |
| 5 | $10,092 | 10 | $11,700 |
File the owner-occupancy form at closing to lock the 3% cap — without it you're on the 8% cap (why).
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We'll itemize your first-year cost and 10-year projection on the actual home and price.
Get Free Cost Math →Property tax from NRS 361.4723 formula at ~$3.66/$100; HOA from current Regency dues; insurance estimated for valley-floor exposure. Illustrative, not quotes. Verified 2026.