2026 loan limits in Copper River Census Area, Alaska
Copper River Census Area’s 2026 conforming limit of $1,249,125 is 4.3× the area’s median home value of $292,800 (Census ACS 2020-2024), so almost any local purchase fits under a conforming loan; the 2026 FHA limit of $541,287 is the one that usually matters. Next door, median home values run from $219,400 in Yakutat City and Borough to $346,600 in Matanuska-Susitna Borough.
- $1,249,125Conforming, 1 unit (2026)+$39,375 vs 2025
- $541,287FHA, 1 unit (2026)+$17,062 vs 2025
- $292,800Median home valuelimit is 4.3× this (ACS 2020-2024)
- All 4Neighbors share this limitChugach, Matanuska-Susitna, Southeast Fairbanks, Yakutat
Loan limits next door
| County | Conforming 2026 1-unit | FHA 2026 1-unit | Median home value (ACS) |
|---|---|---|---|
| Chugach Census Area | $1,249,125 | $541,287 | $346,200 |
| Matanuska-Susitna Borough | $1,249,125 | $541,287 | $346,600 |
| Southeast Fairbanks Census Area | $1,249,125 | $541,287 | $282,000 |
| Yakutat City and Borough | $1,249,125 | $541,287 | $219,400 |
Neighbors are from the U.S. Census Bureau county adjacency file (2024). Median home values: Census ACS 2020-2024, table B25077.
| Property | Conforming 2026 | Conforming 2025 | Conforming 2024 | Change vs 2025 | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|---|
| 1 unit | $1,249,125 | $1,209,750 | $1,149,825 | +$39,375 (+3.3%) | $541,287 | $524,225 |
| 2 units | $1,599,375 | $1,548,975 | $1,472,250 | +$50,400 (+3.3%) | $693,050 | $671,200 |
| 3 units | $1,933,200 | $1,872,225 | $1,779,525 | +$60,975 (+3.3%) | $837,700 | $811,275 |
| 4 units | $2,402,625 | $2,326,875 | $2,211,600 | +$75,750 (+3.3%) | $1,041,125 | $1,008,300 |
| VA basis, 1 unit | $1,249,125 | $1,209,750 | $1,149,825 | +$39,375 (+3.3%) | not used | not used |
VA uses the one-unit conforming limit to work out remaining entitlement when some entitlement is in use; with full entitlement there is no VA limit.
How Copper River Census Area compares
- Alaska median one-unit conforming limit: $1,249,125 across 30 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is $416,375 above the baseline.
- Tied with 29 other Alaska counties at $1,249,125.
- HUD area: Non-metro. Median sale price HUD used to set the 2026 FHA limit: $449,000.
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- FHFA 2024 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
- U.S. Census Bureau, County Adjacency File (2024), file dated August 20, 2024.
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25077 (median value, owner-occupied housing units), summary file dated January 29, 2026.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.