FHA Loan Limits in Wrangell County, Alaska (2026)
In Wrangell County — anchored by Wrangell 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 Wrangell County, from Wrangell County outward, and sit alongside the limits set for neighboring Anchorage and Fairbanks North Star Counties.
Affording a home in Wrangell County & Wrangell County
With Wrangell County's median sale price estimated near $348,000 (think Wrangell County), the FHA down payment is roughly $12,180. Factoring Alaska property taxes near 1.19%, expect about $2,720 monthly, pointing to income near $105,000 — above Alaska's $86,370 median household income, so budget carefully.
FHA payment scenarios in Wrangell County
Whether you are buying in Wrangell County or a smaller Wrangell 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 — $251,000 | $8,785 | $1,994 |
| Local median — $348,000 | $12,180 | $2,720 |
| At the FHA limit — $541,287 | $18,945 | $4,165 |
Estimates include FHA MIP plus Alaska property taxes and insurance. Rates move daily near Wrangell County too — get notified.
In Wrangell County and the surrounding Wrangell County market, FHA's appeal is the math: $12,180 down on a $348,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Wrangell County
Investors and house-hackers in Wrangell County and across Wrangell 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 Wrangell County for 2026?
- In Wrangell County (Wrangell 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 Wrangell County with FHA?
- For a median-priced ($348,000) Wrangell County home, plan on income around $105,000 at a 31% housing ratio — about $2,720/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wrangell County?
- 3.5% with a 580+ score — roughly $12,180 on a $348,000 Wrangell County-area home. Gift funds are allowed.
- Is Wrangell County a high-cost FHA area?
- No — Wrangell County uses the $541,287 national floor for one unit.