Fairbanks North Star Borough, Alaska loan limits 2026
FIPS 02090 · 13 ZIP codes, e.g. 99702, 99703, 99705, 99707, 99708, 99709 · metro area (CBSA) 21820
In Fairbanks North Star Borough the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $541,287. Anything above $1,249,125 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Fairbanks North Star Borough, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,249,125 | $541,287 | +3.3% |
| 2 units | $1,599,375 | $693,050 | +3.3% |
| 3 units | $1,933,200 | $837,700 | +3.3% |
| 4 units | $2,402,625 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Fairbanks North Star Borough is in metro area CBSA 21820; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $116,300 · Fairbanks-College, AK MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $65,150 | $74,450 | $83,750 | $93,050 | $100,500 | $107,950 | $115,400 | $122,850 |
| Very low income (50%) | $40,750 | $46,550 | $52,350 | $58,150 | $62,850 | $67,500 | $72,150 | $76,800 |
| Extremely low income (30%) | $24,450 | $27,950 | $34,150 | $41,250 | $48,350 | $55,450 | $62,550 | $69,650 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,081/mo | $1,156 | -6.5% |
| 1 bedroom | $1,187/mo | $1,277 | -7% |
| 2 bedrooms | $1,553/mo | $1,676 | -7.3% |
| 3 bedrooms | $2,150/mo | $2,331 | -7.8% |
| 4 bedrooms | $2,596/mo | $2,812 | -7.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Fairbanks-College, AK MSA.
Other counties in Alaska
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Fairbanks North Star Borough, AK for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Fairbanks North Star Borough?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Fairbanks North Star Borough?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Fairbanks North Star Borough in 2026.
What are the HUD income limits in Fairbanks North Star Borough?
For a family of four (FY2026): low income $93,050, very low income $58,150, extremely low income $41,250; area median family income $116,300.
What is the fair market rent in Fairbanks North Star Borough?
$1,553 a month for a two-bedroom unit in FY2027 (HUD), $1,187 for one bedroom.