99712 — Fairbanks North Star Borough, Alaska Market Snapshot
Housing market data for zip code 99712 in Fairbanks North Star Borough, Alaska. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$430,500
Days to Sell
51
Homes Sold
38
Inventory
25
Sale-to-List
99.9%
New Listings
62
Price/SqFt
$206
Pending Sales
39
Conforming Loan Available
Most homebuyers in 99712 can comfortably use conventional financing. The median home price of $430,500 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
99712's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 99712 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99712 can comfortably use conventional financing. The median home price of $430,500 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 99712 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 99712
To purchase the median home at $430,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,448.
Monthly Payment
$3,448
Income Required
$147,786
Principal & Interest
$2,653/mo
Down Payment (5%)
$21,525
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 99712.
Estimated Monthly Payment
$2,814
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