FHA Loan Limits in Kodiak Island County, Alaska (2026)
In Kodiak Island County — anchored by Kodiak Island 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 |
Every community in Kodiak Island County — Kodiak Island County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Anchorage and Fairbanks North Star Counties.
Affording a home in Kodiak Island County & Kodiak Island County
Homes around Kodiak Island County carry an estimated local median near $414,000, so an FHA buyer in Kodiak Island County puts down about $14,490 (3.5%). With Alaska's 1.19% effective property-tax rate, the all-in payment runs near $3,213 a month — comfortable on household income around $124,000, above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Kodiak Island County
Whether you are buying in Kodiak Island County or a smaller Kodiak Island County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $298,000 | $10,430 | $2,346 |
| Local median — $414,000 | $14,490 | $3,213 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Kodiak Island County too — get notified.
Buyers across Kodiak Island County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,490 down payment near Kodiak Island County into little out of pocket.
Multi-unit FHA limits in Kodiak Island County
Investors and house-hackers in Kodiak Island County and across Kodiak Island County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Kodiak Island County for 2026?
- In Kodiak Island County (Kodiak Island 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 Kodiak Island County with FHA?
- For a median-priced ($414,000) Kodiak Island County home, plan on income around $124,000 at a 31% housing ratio — about $3,213/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kodiak Island County?
- 3.5% with a 580+ score — roughly $14,490 on a $414,000 Kodiak Island County-area home. Gift funds are allowed.
- Is Kodiak Island County a high-cost FHA area?
- No — Kodiak Island County uses the $541,287 national floor for one unit.