99901 — Ketchikan Gateway Borough, Alaska Market Snapshot
Housing market data for zip code 99901 in Ketchikan Gateway Borough, Alaska. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$534,000
Days to Sell
15
Homes Sold
11
Inventory
49
Sale-to-List
98.7%
New Listings
52
Price/SqFt
$270
Pending Sales
40
Conforming Loan Available
Most homebuyers in 99901 can comfortably use conventional financing. The median home price of $534,000 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
Homes in 99901 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 99901 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99901 can comfortably use conventional financing. The median home price of $534,000 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 99901 are set at the county level.
2026 Loan Limits — Ketchikan Gateway 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 99901
To purchase the median home at $534,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,241.
Monthly Payment
$4,241
Income Required
$181,772
Principal & Interest
$3,290/mo
Down Payment (5%)
$26,700
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 99901.
Estimated Monthly Payment
$3,455
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