FHA Loan Limits in Nome County, Alaska (2026)
From Nome County, FHA buyers in Nome County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Nome County — Nome County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Anchorage and Fairbanks North Star Counties.
What can you buy with FHA in Nome County?
With Nome County's median sale price estimated near $351,000 (think Nome County), the FHA down payment is roughly $12,285. Factoring Alaska property taxes near 1.19%, expect about $2,742 monthly, pointing to income near $106,000 — above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Nome County
Here is what an FHA payment looks like at three Nome County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $253,000 | $8,855 | $2,009 |
| Local median — $351,000 | $12,285 | $2,742 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Nome County too — get notified.
Buyers across Nome County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,285 down payment near Nome County into little out of pocket.
Multi-unit FHA limits in Nome County
Looking at a duplex or fourplex near Nome County? FHA allows up to $692,997 on two units and $1,041,072 on four in Nome 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 Nome County for 2026?
- In Nome County (Nome 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 Nome County with FHA?
- For a median-priced ($351,000) Nome County home, plan on income around $106,000 at a 31% housing ratio — about $2,742/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Nome County?
- 3.5% with a 580+ score — roughly $12,285 on a $351,000 Nome County-area home. Gift funds are allowed.
- Is Nome County a high-cost FHA area?
- No — Nome County uses the $541,287 national floor for one unit.