99705 — Fairbanks North Star Borough, Alaska Market Snapshot
Housing market data for zip code 99705 in Fairbanks North Star Borough, Alaska. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$372,450
Days to Sell
57
Homes Sold
96
Inventory
71
Sale-to-List
102.8%
New Listings
181
Price/SqFt
$222
Pending Sales
108
Conforming Loan Available
Most homebuyers in 99705 can comfortably use conventional financing. The median home price of $372,450 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
99705's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 99705 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 99705 can comfortably use conventional financing. The median home price of $372,450 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 99705 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 99705
To purchase the median home at $372,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,004.
Monthly Payment
$3,004
Income Required
$128,726
Principal & Interest
$2,295/mo
Down Payment (5%)
$18,623
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 99705.
Estimated Monthly Payment
$2,455
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