USDA loans in Alaska
My state-specific information
Eligibility Requirements – Alaska
Residents of Alaska have a unique advantage under the USDA Guaranteed Loan program. Income limits vary depending on whether the property is located on the Alaska road system or in an off-road (remote) area.
For properties located on the road system, the household income limits are:
Alaska USDA Income Limits (Moderate Income – Guaranteed Loan)
Alaska has two income limit tiers due to higher housing costs statewide. Most organized boroughs follow the standard Alaska limit, while certain areas qualify for higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Alaska Limit | $133,950 | $176,850 |
| High-Cost Alaska Areas | $212,500 | $280,550 |
USDA income limits in Alaska are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Alaska USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Alaska. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
on the state road system or in an off-road (remote) area. If you’re unsure which category your property falls under,
contact us and we’ll help determine your eligibility.
- NO down payment – Finance 100% of your home
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Alaska USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Alaska
