99645 — Matanuska-Susitna Borough, Alaska Market Snapshot
Housing market data for zip code 99645 in Matanuska-Susitna Borough, Alaska. Updated monthly with median prices, days on market, and more.
Market Sales Data
111 sales in 2026 (year to date)
Median Sale Price
$467,000
Days to Sell
17
Homes Sold
111
Inventory
90
Sale-to-List
100.4%
New Listings
205
Price/SqFt
$271
Pending Sales
156
Conforming Loan Available
Most homebuyers in 99645 can comfortably use conventional financing. The median home price of $467,000 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 99645 are moving quickly at 17 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 99645 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 99645 can comfortably use conventional financing. The median home price of $467,000 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 99645 are set at the county level.
2026 Loan Limits — Matanuska-Susitna 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 99645
To purchase the median home at $467,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,728.
Monthly Payment
$3,728
Income Required
$159,772
Principal & Interest
$2,878/mo
Down Payment (5%)
$23,350
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 99645.
Estimated Monthly Payment
$3,040
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