99709 — Fairbanks North Star Borough, Alaska Market Snapshot
Housing market data for zip code 99709 in Fairbanks North Star Borough, Alaska. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$319,900
Days to Sell
49
Homes Sold
61
Inventory
47
Sale-to-List
97.8%
New Listings
128
Price/SqFt
$218
Pending Sales
60
Conforming Loan Available
Most homebuyers in 99709 can comfortably use conventional financing. The median home price of $319,900 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
99709's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 99709 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 99709 can comfortably use conventional financing. The median home price of $319,900 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 99709 are set at the county level.
2026 Loan Limits — Fairbanks North Star Borough
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $541,287 |
| 2 Units | $1,599,375 | $693,050 |
| 3 Units | $1,933,200 | $837,700 |
| 4 Units | $2,402,625 | $1,041,125 |
Affordability Snapshot — Zip 99709
To purchase the median home at $319,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,601.
Monthly Payment
$2,601
Income Required
$111,470
Principal & Interest
$1,971/mo
Down Payment (5%)
$15,995
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 99709.
Estimated Monthly Payment
$2,130
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