Northwest Arctic Borough, Alaska loan limits 2026
FIPS 02188 · 11 ZIP codes, e.g. 99727, 99736, 99749, 99750, 99751, 99752
In Northwest Arctic 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 Northwest Arctic 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.
HUD income limits FY2026
Area median family income: $88,400 · Northwest Arctic Borough, AK
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $63,000 | $72,000 | $81,000 | $90,000 | $97,200 | $104,400 | $111,600 | $118,800 |
| Very low income (50%) | $39,400 | $45,000 | $50,650 | $56,250 | $60,750 | $65,250 | $69,750 | $74,250 |
| Extremely low income (30%) | $23,650 | $27,050 | $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 | $1,396/mo | $1,331 | +4.9% |
| 1 bedroom | $1,651/mo | $1,471 | +12.2% |
| 2 bedrooms | $2,005/mo | $1,930 | +3.9% |
| 3 bedrooms | $2,389/mo | $2,547 | -6.2% |
| 4 bedrooms | $2,635/mo | $2,676 | -1.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Northwest Arctic 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 Northwest Arctic 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 Northwest Arctic 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 Northwest Arctic Borough?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Northwest Arctic Borough in 2026.
What are the HUD income limits in Northwest Arctic Borough?
For a family of four (FY2026): low income $90,000, very low income $56,250, extremely low income $41,250; area median family income $88,400.
What is the fair market rent in Northwest Arctic Borough?
$2,005 a month for a two-bedroom unit in FY2027 (HUD), $1,651 for one bedroom.