Kodiak Island Borough, Alaska loan limits 2026
FIPS 02150 · 8 ZIP codes, e.g. 99550, 99608, 99615, 99619, 99624, 99643
In Kodiak Island 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 $541,650. 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 Kodiak Island 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 | $541,650 | +3.3% |
| 2 units | $1,599,375 | $693,400 | +3.3% |
| 3 units | $1,933,200 | $838,150 | +3.3% |
| 4 units | $2,402,625 | $1,041,650 | +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.
HUD income limits FY2026
Area median family income: $113,100 · Kodiak Island Borough, AK
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $67,700 | $77,400 | $87,050 | $96,700 | $104,450 | $112,200 | $119,950 | $127,650 |
| Very low income (50%) | $42,350 | $48,400 | $54,450 | $60,450 | $65,300 | $70,150 | $75,000 | $79,800 |
| Extremely low income (30%) | $25,400 | $29,000 | $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 | $1,559/mo | $1,431 | +8.9% |
| 1 bedroom | $1,712/mo | $1,581 | +8.3% |
| 2 bedrooms | $2,239/mo | $2,075 | +7.9% |
| 3 bedrooms | $2,716/mo | $2,488 | +9.2% |
| 4 bedrooms | $2,943/mo | $2,747 | +7.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Kodiak Island 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 Kodiak Island 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 Kodiak Island Borough?
$541,650 for a single-family home in 2026 (HUD), up to $1,041,650 for a four-unit property.
What counts as a jumbo loan in Kodiak Island Borough?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Kodiak Island Borough in 2026.
What are the HUD income limits in Kodiak Island Borough?
For a family of four (FY2026): low income $96,700, very low income $60,450, extremely low income $41,250; area median family income $113,100.
What is the fair market rent in Kodiak Island Borough?
$2,239 a month for a two-bedroom unit in FY2027 (HUD), $1,712 for one bedroom.