FHA Loan Limits in Valdez-Cordova County, Alaska (2026)
Valdez-Cordova County and the rest of Valdez-Cordova County, Alaska fall under a 2026 one-unit FHA limit of $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 Valdez-Cordova County — Valdez-Cordova County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Anchorage and Fairbanks North Star Counties.
How much home can you afford in Valdez-Cordova County?
With Valdez-Cordova County's median sale price estimated near $323,000 (think Valdez-Cordova County), the FHA down payment is roughly $11,305. Factoring Alaska property taxes near 1.19%, expect about $2,533 monthly, pointing to income near $98,000 — above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Valdez-Cordova County
FHA payments across Valdez-Cordova County price points — from entry homes near Valdez-Cordova County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $233,000 | $8,155 | $1,859 |
| Local median — $323,000 | $11,305 | $2,533 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Valdez-Cordova County too — get notified.
Buyers across Valdez-Cordova County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,305 down payment near Valdez-Cordova County into little out of pocket.
Multi-unit FHA limits in Valdez-Cordova County
Valdez-Cordova County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Valdez-Cordova 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 Valdez-Cordova County for 2026?
- In Valdez-Cordova County (Valdez-Cordova 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 Valdez-Cordova County with FHA?
- For a median-priced ($323,000) Valdez-Cordova County home, plan on income around $98,000 at a 31% housing ratio — about $2,533/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Valdez-Cordova County?
- 3.5% with a 580+ score — roughly $11,305 on a $323,000 Valdez-Cordova County-area home. Gift funds are allowed.
- Is Valdez-Cordova County a high-cost FHA area?
- No — Valdez-Cordova County uses the $541,287 national floor for one unit.