Mortgage Rates in Juneau, Alaska — March 2026
Updated March 2026 | Based on Juneau market data and regional lending conditions
Juneau is a growing city in Alaska with a population of 32,255. The current 30-year fixed mortgage rate in Juneau is 6.7%, which is 0.05% above the national average. With a median home price of $415,000 and a 20% down payment of $83,000, homebuyers can expect a monthly principal and interest payment of approximately $2,142.
Current Mortgage Rates in Juneau, AK
Below are the current average mortgage rates available in the Juneau area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Juneau Housing Market Overview
The Juneau housing market reflects moderate demand with prices near the national average. The median household income in Juneau is $82,250, and the cost of living index is 135.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $107,229 to comfortably afford the median-priced home in Juneau, which exceeds the current median household income.
Monthly Payment Breakdown for Juneau
Based on the median home price of $415,000 with 20% down ($83,000), here is what you can expect to pay monthly in Juneau:
15-Year vs. 30-Year Mortgage in Juneau
Choosing a 15-year mortgage in Juneau at 5.94% instead of a 30-year at 6.7% would save you $268,740 in total interest over the life of the loan. However, your monthly payment would be $2,791 instead of $2,142 — an increase of $649 per month.
Calculate Your Juneau Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Juneau
What are the current mortgage rates in Juneau, AK?
As of March 2026, the average 30-year fixed mortgage rate in Juneau, Alaska is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Juneau?
Based on the median home price of $415,000 with 20% down, the estimated monthly mortgage payment in Juneau is $2,142 for principal and interest. Including property taxes of $360/month, the total monthly housing cost is approximately $2,502.
What income do I need to buy a home in Juneau?
Using the 28% rule, you would need an annual income of approximately $107,229 to afford the median-priced home in Juneau at $415,000. The median household income in Juneau is $82,250. This means most households would need to either earn above the median or consider homes below $415,000.
Is Juneau a good place to buy a home in 2026?
Juneau has a higher cost of living than average with a cost of living index of 135.5 (national average = 100). The property tax rate in Alaska is 1.04%, which is near the national average. Juneau has a population of 32,255 and offers a balanced lifestyle.
Mortgage Rates in Other Alaska Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Juneau, Alaska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.