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Foreclosure and tax sales in Nevada

What our research shows about Nevada's rules. General information with sources — not legal advice, and not a reading of your papers.

CoreResearched in depth, key rules checked against the official text.Research last reviewed 2026-09-22
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How foreclosure works

Usual process
Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes
Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes
Nev. Rev. Stat. § 107.080; Nev. Rev. Stat. § 107.085; Nev. Rev. Stat. § 107.086; Nev. Rev. Stat. § 107.087; Nev. Rev. Stat. §§ 107.400–107.560; Nev. Rev. Stat. § 40.455
From a reputable summary[1]
Typical length (estimate)
Not researched yet for this state.

The usual timeline

  1. +At least 120 days

    Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind

    Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.

    Checked against the official text12 CFR § 1024.41(f)(1)
  2. +At least 90 days

    Notice of default / right to cure — at least 90 days before the next step

    Under the Nevada Homeowner’s Bill of Rights, at least 30 days before recording a notice of default the servicer must send an account notice and try to contact you. The Notice of Default and Election to Sell then gives three months to cure; it is posted on the home 100 days before the sale.

    From a reputable summary

  3. Ask for mediation — your state gives you the right to request it

    Nevada foreclosure mediation (owner-occupied homes). Owner-occupants in a nonjudicial foreclosure must be offered the option to mediate; respond to the election form that comes with the notice of default.

    From a reputable summary

  4. Notice of sale — at least 20 days before the sale

    A separate “danger notice” comes at least 60 days before the sale. The notice of sale is served or mailed 20 days before, posted on the property 15 days before, posted publicly for 20 days and published weekly for three weeks.

    From a reputable summary
  5. +At least 20 days

    Foreclosure sale

    From a reputable summary

  6. No right to redeem after the sale

    No redemption after a nonjudicial sale.

    From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notices and the sale

Notice before foreclosure
At least 90 daysUnder the Nevada Homeowner’s Bill of Rights, at least 30 days before recording a notice of default the servicer must send an account notice and try to contact you. The Notice of Default and Election to Sell then gives three months to cure; it is posted on the home 100 days before the sale.

Nev. Rev. Stat. §§ 107.500, 107.510, 107.080, 107.087

From a reputable summary[1]
Notice of sale
At least 20 daysA separate “danger notice” comes at least 60 days before the sale. The notice of sale is served or mailed 20 days before, posted on the property 15 days before, posted publicly for 20 days and published weekly for three weeks.

Nev. Rev. Stat. §§ 107.080, 107.085, 107.087, 107.090

From a reputable summary[1]
Publication
Newspaper once a week for three consecutive weeks.
From a reputable summary[1]
When sales happen
Not researched yet for this state.

Your rights before and after the sale

Catching up (reinstatement)
Owner-occupants may reinstate until five days before the sale.
From a reputable summary[1][2]
Buying the home back (redemption)
NoNo redemption after a nonjudicial sale.

Nev. Rev. Stat. § 107.080

From a reputable summary[1][2]
Owing money after the sale (deficiency)
LimitedSuit within six months; limited by fair market value; barred for certain unrefinanced purchase-money loans (after Oct. 1, 2009) on owner-occupied single-family homes held by financial institutions.

Nev. Rev. Stat. §§ 40.455, 40.459

From a reputable summary[1][2]
Mediation
Available on requestNevada foreclosure mediation (owner-occupied homes).Owner-occupants in a nonjudicial foreclosure must be offered the option to mediate; respond to the election form that comes with the notice of default.

Nev. Rev. Stat. § 107.086

From a reputable summary[1]

Property tax sales

Tax sale system
Forfeiture to the government

The county treasurer holds the property in trust for two years, then takes a deed and sells it at auction.

From a reputable summary[3]
How it works
If taxes remain unpaid by 5 p.m. on the first Monday in June, the treasurer receives a trustee’s certificate. Certified notice at least 90 days before any sale.
From a reputable summary[3]
Redeeming after a tax sale
Two years after the certificate (one year if abandoned), and until 5:00 p.m. three business days before the sale; 10% yearly interest.

Nev. Rev. Stat. §§ 361.570, 361.585

From a reputable summary[3]
Relief programs
  • Deferral programs for seniors or disabled persons — Check your county’s website.
From a reputable summary[3]
Payment plans
Taxes over $100 may be paid in installments.
From a reputable summary[3]
Surplus after a tax sale
Not researched yet for this state.

Bankruptcy exemptions

Federal exemption list
State list only (opted out)

This state has opted out: in bankruptcy you use the state exemption list (plus federal non-bankruptcy exemptions), not the federal § 522(d) list.

From a reputable summary[4]
Homestead exemption
$605,000$605,000; a homestead declaration must be recorded (it can be as late as the day of an execution sale).(Nev. Rev. Stat. § 115.010)
From a reputable summary[5]

Where to get free help

Free legal aid (LSC-funded)
Checked against the official text[7]
Legal help website

The official site blocked our automated check on 2026-09-22; confirm the page before relying on it.

Not confirmed — check it[8]
State housing agency
Checked against the official text[6]
Attorney general / consumer protection
Checked against the official text[9]
Court self-help

The official site blocked our automated check on 2026-09-22; confirm the page before relying on it.

Not confirmed — check it[10]
HUD-approved housing counselors
HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Sources

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.

  1. [1]Nolo — Nevada Foreclosure Laws and Proceduressummary
  2. [2]Nolo — State Foreclosure Laws: 50-state chart (process, deficiency, redemption, reinstatement)summary
  3. [3]Nolo — Nevada property tax salessummary
  4. [4]Nolo — Federal Bankruptcy Exemptions — which states allow the federal list11 U.S.C. § 522(b)(2)summary
  5. [5]Asset Protection Planners — Homestead Exemptions by U.S. State and Territory (2026 chart with statute cites)summary
  6. [6]Nevada Housing Division (official site, checked live)official
  7. [7]Legal Services Corporation — Our Grantees (official list of LSC-funded programs by state)official
  8. [8]Nevada Legal Servicesofficial
  9. [9]Bureau of Consumer Protection (official site, checked live)official
  10. [10]Nevada Supreme Court — Self-Helpofficial