2026 limits · 30 boroughs and census areas

Alaska 2026 loan limits for duplexes, triplexes and fourplexes

In Alaska, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,147,800. 26 of 30 boroughs and census areas sit at the national floor; the highest is Juneau City and Borough. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,402,625 in 30 high-cost boroughs and census areas.

$693,050 to $764,050FHA, 2 units

$1,041,125 to $1,147,800FHA, 4 units

4boroughs and census areas above FHA's floor

$2,402,625highest conforming limit, 4 units

Every borough or census area in Alaska

The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a borough or census area whose FHA limit is above the national floor.

Sources: HUD FHA forward mortgage limits for 2026 and FHFA conforming loan limits for 2026, county files retrieved October 24, 2026.
Borough or census area	FHA 2026			Conforming 2026
Borough or census area	2 units	3 units	4 units	2 units	3 units	4 units
Aleutians East Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Aleutians West Census Area high-cost	$749,350	$905,800	$1,125,700	$1,599,375	$1,933,200	$2,402,625
Anchorage Municipality Anchorage, AK	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Bethel Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Bristol Bay Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Chugach Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Copper River Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Denali Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Dillingham Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Fairbanks North Star Borough Fairbanks-College, AK	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Haines Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Hoonah-Angoon Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Juneau City and Borough high-cost Juneau, AK	$764,050	$923,600	$1,147,800	$1,599,375	$1,933,200	$2,402,625
Kenai Peninsula Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Ketchikan Gateway Borough Ketchikan, AK	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Kodiak Island Borough high-cost	$693,400	$838,150	$1,041,650	$1,599,375	$1,933,200	$2,402,625
Kusilvak Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Lake and Peninsula Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Matanuska-Susitna Borough Anchorage, AK	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Nome Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
North Slope Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Northwest Arctic Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Petersburg Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Prince of Wales-Hyder Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Sitka City and Borough high-cost	$750,800	$907,550	$1,127,900	$1,599,375	$1,933,200	$2,402,625
Skagway Municipality	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Southeast Fairbanks Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Wrangell City and Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Yakutat City and Borough	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625
Yukon-Koyukuk Census Area	$693,050	$837,700	$1,041,125	$1,599,375	$1,933,200	$2,402,625

How much building fits under the limit

With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.

Highest purchase price at 3.5% down that keeps the FHA base loan at or under the 2026 limit. Price above that means a bigger down payment, not a dead deal.
Where	Duplex	Triplex	Fourplex
26 boroughs and census areas at the floor	$718,186	$868,082	$1,078,886
Juneau City and Borough	$791,761	$957,098	$1,189,430

Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a borough or census area you pick.

VA and conventional in Alaska

Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.

A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $1,249,125 in Alaska. The guaranty is 25% of that figure minus the entitlement already used.

Run a Alaska deal through the calculator

Other states: all states and the county lookup.