FHA Loan Limits in Ketchikan Gateway County, Alaska (2026)
In Ketchikan Gateway County — anchored by Ketchikan Gateway 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 Ketchikan Gateway County, from Ketchikan Gateway County outward, and sit alongside the limits set for neighboring Anchorage and Fairbanks North Star Counties.
Affording a home in Ketchikan Gateway County & Ketchikan Gateway County
Homes around Ketchikan Gateway County carry an estimated local median near $369,000, so an FHA buyer in Ketchikan Gateway County puts down about $12,915 (3.5%). With Alaska's 1.19% effective property-tax rate, the all-in payment runs near $2,877 a month — comfortable on household income around $111,000, above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Ketchikan Gateway County
Here is what an FHA payment looks like at three Ketchikan Gateway County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $266,000 | $9,310 | $2,106 |
| Local median — $369,000 | $12,915 | $2,877 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Ketchikan Gateway County too — get notified.
In Ketchikan Gateway County and the surrounding Ketchikan Gateway County market, FHA's appeal is the math: $12,915 down on a $369,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Ketchikan Gateway County
Looking at a duplex or fourplex near Ketchikan Gateway County? FHA allows up to $692,997 on two units and $1,041,072 on four in Ketchikan Gateway County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Ketchikan Gateway County for 2026?
- In Ketchikan Gateway County (Ketchikan Gateway 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 Ketchikan Gateway County with FHA?
- For a median-priced ($369,000) Ketchikan Gateway County home, plan on income around $111,000 at a 31% housing ratio — about $2,877/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ketchikan Gateway County?
- 3.5% with a 580+ score — roughly $12,915 on a $369,000 Ketchikan Gateway County-area home. Gift funds are allowed.
- Is Ketchikan Gateway County a high-cost FHA area?
- No — Ketchikan Gateway County uses the $541,287 national floor for one unit.