Insights » Nevada cities with highest and lowest household expenses in 2023

2023 Report: Cities in Nevada where Household Expenses are Highest and Lowest

Nevada skyline

How does living in the Silver state affect your wallet? doxo breaks down key insights about Nevada’s household expenses, with a close eye to how bills differ in towns and cities across the state. The average household in Nevada, doxo’s data reveals, pays $2,124 in bills per month.

doxo’s data also has infographics for 16 cities and towns across Nevada, breaking down localized bill pay data figures as well. The state-wide rankings for most and least expensive cities provide insight into cost of living in Nevada and how it changes according to location.

The data sheds light on Nevada’s cost of living through other metrics, too. For example, the “percent of household income” data point shows what percentage of household income local residents spend on bills. doxo’s data also indicates how much more or less expensive specific cities are than the national and state average.

Nevada residents pay $2,124 in household bills a month

The average Nevada household pays $2,124 a month for the 10 most common household bills. This figure takes into account the 10 most common household bills, which are: Mortgage; Rent; Auto Loan; Utilities (electric, gas, water & sewer, and waste & recycling); Auto Insurance; Cable & Internet & Phone, Health Insurance (consumer paid portion); Mobile Phone; Alarm & Security; and Life Insurance.

Nevada residents, overall, get a good deal on their bills: the state ranks 15th out of 50 states in terms of average monthly spending. Oregon ranks 14th, with monthly expenses of $2,239, and Illinois ranks 16th, at $2,121.

Nevada’s household expenses, on average, are 3.8% higher than the national average of $2,046.

Absolute dollar amounts don’t tell the full story, however. The “percentage of household income” metric provides a more proportional look at bill spending in a particular location. Nevada households spend 40% of their income on household bills. 

Annually, Nevada residents pay $26 billion in household bills. See more data about bill pay in Nevada by clicking on the infographic link below.

Data: doxoINSIGHTS’ bill pay infographic about Nevada

  • Average Bill Cost per HH: $2,124 per month
  • State Bill Pay Market Size: $26 billion
  • doxoINSIGHTS State Rank: 15 out of 50
  • Percent of HHI Used for Bills: 40%
  • Difference from the National Average: 3.8% higher

Housing bill category drives Nevada’s low monthly bill expenses

The average Nevada household pays $2,124 in the 10 most common household bills per month. Rent and mortgage expenses drive savings, with both being considerably lower than the national average. The average mortgage payment in Nevada is $1,463, and average rent is $1,249, compared to the national average mortgage bill of $1,321 and rent bill of $1,191.

Other than housing-related expenses, auto loan bills are the most significant of the 10 most common bills for residents of Nevada. The average auto loan bill in Nevada is $542 a month, compared to the national average of $467.

Compared to the national average, auto insurance is a lower expense for residents of Nevada. The average household in the state pays $202 a month for auto insurance, compared to the national average of $207.

Utilities are also more affordable in Nevada. While US residents on average spend $351 per month on utility bills, in Nevada they spend just $290.

Note: Health Insurance and Life Insurance expenses do not account for payments made by employers on behalf of employees. These just include out-of-pocket expenses. Also, the state and national bill totals take into account the percentage of households that pay a bill.

Average Nevada Household Bill Spending

Bill CategoryAverage Nevada Monthly BillNational Average Monthly BillNevada Percent +/- National Average ($2,046)
Mortgage$1,463$1,32111% higher
Rent$1,249$1,1915% higher
Auto Loan$542$46716% higher
Utilities$290$35117% lower
Auto Insurance$202$2072% lower
Cable & Internet$115$1183% lower
Health Insurance$84$12030% lower
Mobile Phone$118$1191% lower
Alarm & Security$80$845% lower
Life Insurance$75$8916% lower
Total$2,124$2,0463.8% higher

Fernley tops the list of most expensive cities for Nevada’s household bills

Residents of Fernley pay the highest household bills in the state of Nevada, at an average of $2,320 per month. Sparks comes second in the rankings, with residents paying $2,272 on average per month.

In proportion to household income, Fernley’s bills are also costlier than ones in Sparks. While Sparks’ monthly bill basket makes up 37% of average household income there, Fernley’s bill basket accounts for 42% of average household income in that area.

Access detailed infographics about each city or town by clicking on the hyperlinks in the “City” column in the tables below. You can also browse doxoINSIGHTS’ regional bill comparison database to see infographics about more than 4,200 cities and towns across all 50 states in the US.

5 Most Expensive Nevada Cities for Household Bills

(1-5 out of 16)
CityMonthly Bill Expenses Per Household*Percent of Household Income Used for Bills
4Las Vegas$2,23545%

*Household Bill Pay Expense averages shown above reflect the ten most common bills paid, including housing (rent/mortgage).

Pahrump is the most affordable Nevada city for household bills

Out of 16 cities and towns, Pahrump is the most affordable place in Nevada, with residents paying $1,665 on average for household bills. Household bills account for 42% of local income in Pahrump.

Winnemucca comes in at the second most affordable town or city in Nevada, with residents paying $1,766 per month on average.

Also on the list of 10 least expensive cities in Nevada are Fallon ($1,790 per month), Mesquite ($1,792 per month), and Sun Valley ($1,833 per month).

10 Most Affordable Nevada Cities for Household Bills

(69-78 out of 78)
CityMonthly Bill Expenses Per HouseholdPercent of Household Income Used for Bills
12Sun Valley$1,83339%

Some individuals may be deciding whether to move from a more expensive city to a less expensive one. doxoINSIGHTS can be a valuable resource for consumers seeking to make key decisions like this, allowing them to compare Nevada’s household expenses against average bills in different cities and states across the country. They can also use doxoINSIGHTS’ regional bill comparison database to compare average costs for over 4,200 towns and cities across the country.