Nevada protects $605,000 of your home equity. You have to file for it.
- October 3rd, 2026
- 4 min read
Buying in Las Vegas · Protecting your equity
Nevada protects $605,000 of your home equity. You have to file for it.
Nevada’s homestead law shields up to $605,000 of equity in your primary residence from most creditors. It does not apply on its own.
Bryce Edwards, Realtor · Updated October 3, 2026 · 4 min read
The short answer
- Up to $605,000 of equity in the home you live in is protected from most judgment creditors.
- It only applies once you record a Declaration of Homestead with the Clark County Recorder.
- It is separate from the 3% tax cap. Filing one does nothing for the other.
01
What does the homestead protect?
Up to $605,000 of equity in the home you live in, against most judgment creditors. The amount has been the same since July 1, 2005, and Nevada’s 2025 legislative session left it unchanged.
It covers a house or a condo. If the home is held in a trust, moving it into the trust doesn’t cancel a declared homestead, and a trustee can declare one for the people living in it.
02
What doesn’t it protect?
- Your mortgage or deed of trust.
- Property taxes. Clark County’s own brochure says the homestead law does not exempt property tax.
- IRS liens, mechanic’s liens, child support and alimony.
- Equity above $605,000.
03
What about equity above $605,000?
That matters at the price points I work in. Here is an illustration.
If protecting the rest matters to you, that is a conversation for an asset protection attorney, and it is better had before you need it.
04
How do you file?
You can record it any time before the home is sold. There is no reason to wait.
05
Two forms, two different jobs
| 3% tax cap | Homestead | |
|---|---|---|
| What it does | Limits how fast your property tax bill grows | Protects up to $605,000 of equity from most creditors |
| How you get it | Return the Assessor’s abatement notice | Record a Declaration of Homestead |
| Where | Clark County Assessor | Clark County Recorder |
06
Questions buyers ask
Is Nevada’s homestead protection automatic?
No. It applies once you record a Declaration of Homestead with the county.
How much does it protect?
Up to $605,000 of equity in your primary residence.
Does it lower my property tax?
No. Property tax is not exempt. The 3% tax cap is a separate program with its own form.
My home is held in a trust. Can I still file?
Yes. A trustee can declare a homestead for the people living in the home, and moving the home into a trust doesn’t cancel an existing one.
Bryce Edwards
Realtor, Realty ONE Group · Las Vegas
Las Vegas Realtor since 2013. More than $25M in sales across Summerlin, Red Rock Country Club, Henderson and the Strip high-rises. 2025 top-producer award, Realty ONE Group. My family and I live in Summerlin.
Your next step
Buying a primary residence here?
Send me the address. I’ll flag both forms, the homestead and the 3% tax cap, before you close.
Schedule a time with BryceOr text or call (702) 412-5524
bryce@luxuryvegashouses.com
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