FHA Loan Limits in Bethel County, Alaska (2026)
In Bethel County — anchored by Bethel County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Bethel County, from Bethel County outward, and sit alongside the limits set for neighboring Anchorage and Fairbanks North Star Counties.
Affording a home in Bethel County & Bethel County
Homes around Bethel County carry an estimated local median near $309,000, so an FHA buyer in Bethel County puts down about $10,815 (3.5%). With Alaska's 1.19% effective property-tax rate, the all-in payment runs near $2,428 a month — comfortable on household income around $94,000, above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Bethel County
FHA payments across Bethel County price points — from entry homes near Bethel County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $222,000 | $7,770 | $1,777 |
| Local median — $309,000 | $10,815 | $2,428 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Bethel County too — get notified.
In Bethel County and the surrounding Bethel County market, FHA's appeal is the math: $10,815 down on a $309,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bethel County
Bethel County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Bethel County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Bethel County for 2026?
- In Bethel County (Bethel County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bethel County with FHA?
- For a median-priced ($309,000) Bethel County home, plan on income around $94,000 at a 31% housing ratio — about $2,428/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bethel County?
- 3.5% with a 580+ score — roughly $10,815 on a $309,000 Bethel County-area home. Gift funds are allowed.
- Is Bethel County a high-cost FHA area?
- No — Bethel County uses the $541,287 national floor for one unit.