Alaska Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Alaska. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.12%
Avg APR
15yr Fixed
6.52%
Avg APR
Median Price
$335,000
Median home
Monthly P&I
$1,787
30yr at 80% LTV
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Top Mortgage Lenders in Alaska
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Alaska
- ✓Alaska Housing First-Time Homebuyer Program
- ✓AK Tax-Exempt Bond Program
Mortgage Requirements in Alaska
- •Min 620 credit score
- •DTI under 45%
- •3.5% down (FHA) or 0% for VA/USDA eligible buyers
Alaska Housing Market Facts
Alaska Housing Finance Corporation (AHFC) offers below-market rates.
Anchorage accounts for ~40% of all home sales in Alaska.
Cold climate increases insurance and maintenance costs.
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