2026 conforming loan limits in Nome Census Area, Alaska
Baseline area under FHFA's special statutory provisions for Alaska, Hawaii, Guam and the U.S. Virgin Islands.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
2026 conforming limit · one unit
$1,249,125
$1,249,125 is the CY2026 baseline for these four jurisdictions, not a high-cost figure. It is higher than the $832,750 baseline that applies in the rest of the country, and the ceiling here is $1,873,675.
Limits by property size
FHFA publishes a separate conforming limit for each property size in Nome Census Area. A loan above the figure for its property size is not conforming and is priced as a Jumbo loan.
| Property type | 2026 conforming loan limit |
|---|---|
| 1 unit | $1,249,125 |
| 2 units | $1,599,375 |
| 3 units | $1,933,200 |
| 4 units | $2,402,625 |
Where Nome Census Area sits
Nome Census Area is governed by FHFA’s special statutory provisions for Alaska, Hawaii, Guam and the U.S. Virgin Islands. Under those, the 2026 baseline is $1,249,125 and the ceiling is $1,873,675.
This census area sits at the applicable baseline. FHFA raises a limit above the baseline only where 115% of the local median home value exceeds it, and it has not done so here.
Alaska is one of the four jurisdictions FHFA names under its special statutory provisions, so its baseline of $1,249,125 is the same figure that is the ceiling in the rest of the country. A limit of $1,249,125 here means a baseline area, not a high-cost one.
How this compares across Alaska
All 30 county-equivalents in Alaska carry the same one-unit conforming limit of $1,249,125, so there is no within-Alaska variation to compare against.
See every county-equivalent in Alaska or the national 2026 limits.
Conforming limit vs FHA limit in Nome Census Area
Two federal frameworks publish a limit for this census area, and they are not interchangeable. Conforming limits govern mortgages eligible for purchase by Fannie Mae and Freddie Mac. FHA limits govern mortgages FHA will insure.
| Program | One-unit limit | Authority |
|---|---|---|
| Conforming | $1,249,125 | FHFA · Fannie Mae and Freddie Mac |
| FHA | $541,287 | HUD · FHA-insured mortgages |
The two figures differ by $707,838 — a calculated difference, not a published one. The conforming figure is the larger of the two here. Neither limit governs the other program, and a larger limit is not a better mortgage — the two answer different questions.
How these figures were produced
Every conforming figure on this page is read from FHFA's published CY2026 county file. None is derived by applying a multiplier to another limit.
- One- to four-unit conforming limits for Nome Census Area, AlaskaOfficial sourceRead verbatim from the FHFA county spreadsheet. Values are not adjusted.
- Applicable baseline and ceiling ($1,249,125 / $1,873,675)Official sourceThe special statutory figures are stated in FHFA’s CY2026 announcement.
- FHA one-unit limit shown for comparisonOfficial sourceA separate HUD dataset for a separate loan program.
- Baseline status of this county-equivalentDerived by DotGovSourceThe published one-unit limit compared against the baseline and ceiling of the statutory regime that applies to this jurisdiction
- Amount and percentage above baseline, distance to ceiling, difference from the FHA limit, and the state comparisonCalculated on this pageSubtraction and ratios over the official figures above, counted across the state’s current geography records
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)
Federal Housing Finance Agency (FHFA) — FHFA Announces Conforming Loan Limit Values for 2026
Fields used: CY2026 national baseline conforming loan limit, one unit: $832,750; CY2026 high-cost ceiling, one unit: $1,249,125 (stated as 150 percent of $832,750); Special statutory baseline for AK, HI, GU and VI, one unit: $1,249,125; Special statutory ceiling for AK, HI, GU and VI, one unit: $1,873,675
https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026