🇺🇸 North America

FIRE Number for Las Vegas, United States

Name: Las Vegas, United States
Address: Las Vegas, United States

United States

No State Income Tax, Endless Entertainment, and Desert Sun

FIRE Score Based on safety, healthcare, infrastructure & expat friendliness

Las Vegas offers FIRE retirees a unique combination of zero state income tax, surprisingly affordable housing outside the Strip corridor, and world-class entertainment at every price point. The desert climate means low humidity and over 300 sunny days per year. While the city's reputation centers on gambling, locals enjoy a growing food scene, Red Rock Canyon hiking, and easy access to Utah's national parks.

Lean FIRE, FIRE, and Fat FIRE for Las Vegas

Needed to retire here is the portfolio that, in a historical backtest, would have lasted your retirement at your chosen confidence and length. Status is the verdict for your portfolio. The 4% rule benchmark is shown underneath each figure for reference only.

Use my own healthcare cost

Lifestyle	Needed to retire here	Monthly Cost
Lean FIRE	$1.19M	$3,950/mo
FIRE	$1.98M	$6,600/mo
Fat FIRE	$5.14M	$17,150/mo

Cost data: Q1 2026 · High confidence

Cost of Living Breakdown for Las Vegas

All cost and FIRE figures assume a single adult.

Lean FIRE Lifestyle

$1.19M

You live in a suburban area like Henderson or Summerlin South, well away from the Strip, and cook most meals at home. Cheap casino buffet deals and casual restaurants help stretch the dining budget a couple of times a week. Summer electricity bills for air conditioning are a real cost in the desert heat. No state income tax helps, and free entertainment on the Strip is always available if you avoid the gambling floor.

FIRE Lifestyle

$1.98M

You can rent a house with a pool in Summerlin or Southern Highlands and dine regularly at the celebrity-chef restaurants on the Strip. Premium show tickets, a golf club membership, and regular spa visits fit comfortably. Good private health insurance and enough room for Southwest road trips round out a comfortable life. Nevada's zero income tax is a meaningful advantage at this spending level.

Fat FIRE Lifestyle

$5.14M

Premium housing in The Summit or a penthouse in a luxury Strip tower, regular fine dining, a cook who comes several times a week, and a housekeeper. First class travel, full concierge healthcare, and front-row access to any show or event in the city. Nevada's zero income tax at this spending level is a significant financial advantage. Las Vegas's entertainment infrastructure means there is always something to do without needing to travel far.

Retirement Confidence

The 4% rule is a great starting point. Here we go a step further and test your plan against real market history.

Enter your portfolio on the homepage to backtest a retirement in Las Vegas against market history.

How this is calculated

This is a real historical backtest. We run your plan through every retirement-length window in US market history (1871–2022): a 75% stock / 25% bond portfolio, rebalanced annually, with withdrawals raised each year for that period's actual inflation. The success rate is the share of those historical start years in which the money lasted the full length without running out.

Your confidence level sets the bar: at Balanced (90%), a survival rate of 90% or more reads "You can retire here", within 10 points below is "Close — worth a closer look", and lower is "Not quite yet". The same level sizes the "Needed to retire here" target. Retirement length also drives it — early retirees planning 40–50+ years see lower survival than the 30-year baseline.

Healthcare, Visa & City Overview

climate Desert

healthcare Good

english Widely spoken

safety Exercise caution

visa Easy

Timezone

PST (UTC-8)

Currency

USD

Language

English

Avg. Temperature

67°F / 19°C

Internet

200+ Mbps average

Airport

Harry Reid International Airport (LAS)

Frequently Asked Questions About Retiring in Las Vegas

What is the FIRE Number for Las Vegas, United States?

The FIRE Number for Las Vegas ranges from $1.19M (Lean FIRE lifestyle) to $5.14M (Fat FIRE lifestyle). A FIRE retirement requires a portfolio of approximately $1.98M, based on estimated monthly costs of $6,600 and a 4% safe withdrawal rate.

How much does it cost to retire in Las Vegas?

Monthly living costs in Las Vegas range from $3,950 (Lean FIRE) to $6,600 (FIRE), covering housing, dining, groceries, healthcare, transportation, entertainment, and utilities.

What is healthcare like in Las Vegas for retirees?

Healthcare in Las Vegas costs approximately $675 to $775/month depending on coverage level. ACA marketplace Silver plan; Nevada exchange options are moderate.

What is the weather like in Las Vegas?

Desert with extremely hot summers and mild winters The average temperature is 67°F / 19°C.

How safe is Las Vegas for retirees?

Moderate – varies by neighborhood