Ketchikan Gateway Borough, Alaska loan limits 2026
FIPS 02130 · 2 ZIP codes, e.g. 99901, 99928 · metro area (CBSA) 28540
In Ketchikan Gateway 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 Ketchikan Gateway 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. Ketchikan Gateway Borough is in metro area CBSA 28540; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $127,400 · Ketchikan Gateway Borough, AK
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $71,350 | $81,550 | $91,750 | $101,900 | $110,100 | $118,250 | $126,400 | $134,550 |
| Very low income (50%) | $44,600 | $51,000 | $57,350 | $63,700 | $68,800 | $73,900 | $79,000 | $84,100 |
| Extremely low income (30%) | $26,750 | $30,600 | $34,400 | $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 | $1,207/mo | $1,120 | +7.8% |
| 1 bedroom | $1,325/mo | $1,238 | +7% |
| 2 bedrooms | $1,733/mo | $1,625 | +6.6% |
| 3 bedrooms | $2,400/mo | $2,260 | +6.2% |
| 4 bedrooms | $2,897/mo | $2,726 | +6.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Ketchikan Gateway Borough, AK.
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 Ketchikan Gateway 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 Ketchikan Gateway 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 Ketchikan Gateway Borough?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Ketchikan Gateway Borough in 2026.
What are the HUD income limits in Ketchikan Gateway Borough?
For a family of four (FY2026): low income $101,900, very low income $63,700, extremely low income $41,250; area median family income $127,400.
What is the fair market rent in Ketchikan Gateway Borough?
$1,733 a month for a two-bedroom unit in FY2027 (HUD), $1,325 for one bedroom.