Alaska loan limits 2026 by county
In 2026, 30 of the 30 counties in Alaska have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in 30 counties. FHA limits run from $541,287 to $596,850: 4 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Alaska county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Aleutians East Borough | $1,249,125 | $541,287 | Non-Metro |
| Aleutians West Census Area | $1,249,125 | $585,350 | Non-Metro |
| Anchorage Municipality | $1,249,125 | $541,287 | Anchorage, AK |
| Bethel Census Area | $1,249,125 | $541,287 | Non-Metro |
| Bristol Bay Borough | $1,249,125 | $541,287 | Non-Metro |
| Chugach Census Area | $1,249,125 | $541,287 | Non-Metro |
| Copper River Census Area | $1,249,125 | $541,287 | Non-Metro |
| Denali Borough | $1,249,125 | $541,287 | Non-Metro |
| Dillingham Census Area | $1,249,125 | $541,287 | Non-Metro |
| Fairbanks North Star Borough | $1,249,125 | $541,287 | Fairbanks-College, AK |
| Haines Borough | $1,249,125 | $541,287 | Non-Metro |
| Hoonah-Angoon Census Area | $1,249,125 | $541,287 | Non-Metro |
| Juneau City and Borough | $1,249,125 | $596,850 | Juneau, AK |
| Kenai Peninsula Borough | $1,249,125 | $541,287 | Non-Metro |
| Ketchikan Gateway Borough | $1,249,125 | $541,287 | Ketchikan, AK |
| Kodiak Island Borough | $1,249,125 | $541,650 | Non-Metro |
| Kusilvak Census Area | $1,249,125 | $541,287 | Non-Metro |
| Lake and Peninsula Borough | $1,249,125 | $541,287 | Non-Metro |
| Matanuska-Susitna Borough | $1,249,125 | $541,287 | Anchorage, AK |
| Nome Census Area | $1,249,125 | $541,287 | Non-Metro |
| North Slope Borough | $1,249,125 | $541,287 | Non-Metro |
| Northwest Arctic Borough | $1,249,125 | $541,287 | Non-Metro |
| Petersburg Borough | $1,249,125 | $541,287 | Non-Metro |
| Prince of Wales-Hyder Census Area | $1,249,125 | $541,287 | Non-Metro |
| Sitka City and Borough | $1,249,125 | $586,500 | Non-Metro |
| Skagway Municipality | $1,249,125 | $541,287 | Non-Metro |
| Southeast Fairbanks Census Area | $1,249,125 | $541,287 | Non-Metro |
| Wrangell City and Borough | $1,249,125 | $541,287 | Non-Metro |
| Yakutat City and Borough | $1,249,125 | $541,287 | Non-Metro |
| Yukon-Koyukuk Census Area | $1,249,125 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Alaska
Juneau City and Borough ($596,850), Sitka City and Borough ($586,500), Aleutians West Census Area ($585,350) and Kodiak Island Borough ($541,650). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Alaska
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Alaska fair market rentsHUD Fair Market Rents for every Alaska county, studios to 4 bedrooms.
- Alaska property tax ratesEffective property tax rate for every Alaska county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Alaska loan limits
What are the FHA loan limits in Alaska for 2026?
$541,287 to $596,850 for a one-unit home, depending on the county. 4 counties are above the national floor of $541,287, led by Juneau City and Borough ($596,850), Sitka City and Borough ($586,500) and Aleutians West Census Area ($585,350); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Alaska for 2026?
$1,249,125 for a one-unit home in every Alaska county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Alaska?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $1,249,125 in Alaska for 2026: 25 percent of that limit minus the entitlement already used.
Which Alaska counties have the highest loan limits?
Conforming: Aleutians East Borough at $1,249,125. FHA: Juneau City and Borough at $596,850. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/alaska. Not lending advice.