VA loan calculator for Alaska

Alaska loan limits, the disabled veteran property tax exemption, and the residual income you must pass. Everything set up for Alaska, free and with no signup.

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🏠 Your numbers in Alaska

I am rated 100% permanent and total
Most house you can buy in Alaska with $0 down
$0
Alaska property tax$0
Disabled veteran exemption$0
Monthly payment$0
Residual income needed (West)$0
Your residual income$0
Alaska average effective property tax 1.04 percent. Residual income minimums are the official VA Pamphlet 26-7 figures for the West region. Estimates only, not an offer of credit.
Alaska in one line: Alaska exempts $150,000 of assessed value for a qualifying disabled veteran. You still pay tax on value above that.

High-cost counties in Alaska

30 counties have a loan limit above the national baseline of $832,750. Every other county in Alaska uses the baseline.

County1 unit2 units4 units
Aleutians East$1,249,125$1,599,375$2,402,625
Aleutians West$1,249,125$1,599,375$2,402,625
Anchorage$1,249,125$1,599,375$2,402,625
Bethel$1,249,125$1,599,375$2,402,625
Bristol Bay$1,249,125$1,599,375$2,402,625
Chugach$1,249,125$1,599,375$2,402,625
Copper River$1,249,125$1,599,375$2,402,625
Denali$1,249,125$1,599,375$2,402,625
Dillingham$1,249,125$1,599,375$2,402,625
Fairbanks North Star$1,249,125$1,599,375$2,402,625
Haines$1,249,125$1,599,375$2,402,625
Hoonah-Angoon$1,249,125$1,599,375$2,402,625
Juneau$1,249,125$1,599,375$2,402,625
Kenai Peninsula$1,249,125$1,599,375$2,402,625
Ketchikan Gateway$1,249,125$1,599,375$2,402,625
Kodiak Island$1,249,125$1,599,375$2,402,625
Kusilvak$1,249,125$1,599,375$2,402,625
Lake And Peninsula$1,249,125$1,599,375$2,402,625
Matanuska-Susitna$1,249,125$1,599,375$2,402,625
Nome$1,249,125$1,599,375$2,402,625
North Slope$1,249,125$1,599,375$2,402,625
Northwest Arctic$1,249,125$1,599,375$2,402,625
Petersburg$1,249,125$1,599,375$2,402,625
Prince Of Wales-Hyder$1,249,125$1,599,375$2,402,625
Sitka$1,249,125$1,599,375$2,402,625
Skagway$1,249,125$1,599,375$2,402,625
Southeast Fairbanks$1,249,125$1,599,375$2,402,625
Wrangell$1,249,125$1,599,375$2,402,625
Yakutat$1,249,125$1,599,375$2,402,625
Yukon-Koyukuk$1,249,125$1,599,375$2,402,625

Disabled veteran property tax in Alaska

Up to $150,000 of assessed value is exempt at a 50 percent rating or higher.

On a $400,000 home, Alaska property tax runs about $4,160 a year at the state average rate of 1.04 percent. A qualifying exemption brings that down to about $2,600.

Two things catch people out, Alaska included. The exemption is not automatic, you file with your county assessor, usually with a VA benefits summary letter showing your rating. And deadlines are local, often early in the tax year. Full detail for every state is on our property tax exemption calculator.

Residual income in Alaska

Debt to income gets the attention, but residual income is what actually approves or kills a VA file. It is the money left over each month after your mortgage, every debt, income taxes, childcare and estimated home maintenance. Alaska sits in the VA West region.

Household sizeMinimum left over each month
1 person$491
2 people$823
3 people$990
4 people$1,117
5 people$1,158

Add $80 for each person beyond five. If your debt to income ratio is above 41 percent, the requirement rises by 20 percent. Run yours on the residual income calculator.

Alaska has no state income tax, so more of your pay is take-home. That lifts the residual income a lender calculates for you, which is the number that actually decides a VA approval.

Buying a duplex or fourplex in Alaska

A VA loan can buy up to four units with zero down as long as you live in one of them, and rent from the other units counts toward qualifying at roughly 75 percent of market value. The limit rises with unit count: $832,750 for a single family, $1,066,250 for a duplex and $1,601,750 for a fourplex at baseline. See the entitlement calculator.

Frequently asked questions

What is the VA loan limit in Alaska?

With full entitlement there is no VA loan limit in Alaska at all. If part of your entitlement is tied up in another loan, the county conforming limit applies, starting at $1,249,125 for a single family home. 30 Alaska counties sit above that.

Do disabled veterans pay property tax in Alaska?

Alaska exempts $150,000 of assessed value for a qualifying disabled veteran. You still pay tax on value above that. On a $400,000 home that is about $1,560 a year saved.

How much residual income do I need for a VA loan in Alaska?

Alaska sits in the VA West region. A family of three needs $990 left over each month after the mortgage, all debts, taxes and estimated maintenance. It rises with family size, and by 20 percent if your debt to income ratio is above 41 percent.

Can I buy a home in Alaska with no money down?

Yes. A VA loan requires no down payment and charges no monthly mortgage insurance, in Alaska or anywhere else. A one-time funding fee applies, waived entirely if you receive VA disability compensation at 10 percent or higher.

What is the average property tax rate in Alaska?

Alaska averages about 1.04 percent of home value a year, roughly $4,160 on a $400,000 home before any veteran exemption. A qualifying veteran exemption reduces it.

Every VA calculator, set up for Alaska

AffordabilityWhat you can actually buy PaymentFull monthly breakdown VA vs conventional vs FHAShould you use your benefit? Property tax exemptionAlaska rules in detail Residual incomeThe West tables Funding feeAnd who pays nothing Closing costsWhat the seller can cover Loan limitsEntitlement math

More free tools for veterans

🛡 Benefit BunkerTrack every VA benefit you have earned in one place. ⚖ Secondary ClaimsA higher rating means more tax-free income and no funding fee. 🩺 CHAMPVA DoctorsRated 100 percent P and T? Your family qualifies for CHAMPVA.

Take your Alaska numbers with you

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