Mortgage Rates in Soldotna, Alaska — March 2026
Updated March 2026 | Based on Soldotna market data and regional lending conditions
Soldotna is a growing city in Alaska with a population of 4,768. The current 30-year fixed mortgage rate in Soldotna is 6.61%, which is 0.04% below the national average. With a median home price of $241,000 and a 20% down payment of $48,200, homebuyers can expect a monthly principal and interest payment of approximately $1,233.
Current Mortgage Rates in Soldotna, AK
Below are the current average mortgage rates available in the Soldotna 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Soldotna Housing Market Overview
The Soldotna housing market offers relatively affordable housing compared to many major cities. The median household income in Soldotna is $69,900, and the cost of living index is 126.9 (national average = 100). Based on the 28% affordability rule, the median income in Soldotna is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Soldotna
Based on the median home price of $241,000 with 20% down ($48,200), here is what you can expect to pay monthly in Soldotna:
15-Year vs. 30-Year Mortgage in Soldotna
Choosing a 15-year mortgage in Soldotna at 5.87% instead of a 30-year at 6.61% would save you $153,540 in total interest over the life of the loan. However, your monthly payment would be $1,613 instead of $1,233 — an increase of $380 per month.
Calculate Your Soldotna 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 Soldotna
What are the current mortgage rates in Soldotna, AK?
As of March 2026, the average 30-year fixed mortgage rate in Soldotna, Alaska is 6.61%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Soldotna?
Based on the median home price of $241,000 with 20% down, the estimated monthly mortgage payment in Soldotna is $1,233 for principal and interest. Including property taxes of $213/month, the total monthly housing cost is approximately $1,446.
What income do I need to buy a home in Soldotna?
Using the 28% rule, you would need an annual income of approximately $61,971 to afford the median-priced home in Soldotna at $241,000. The median household income in Soldotna is $69,900. The median income is currently sufficient to meet this threshold.
Is Soldotna a good place to buy a home in 2026?
Soldotna has a higher cost of living than average with a cost of living index of 126.9 (national average = 100). The property tax rate in Alaska is 1.06%, which is near the national average. Soldotna has a population of 4,768 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 Soldotna, Alaska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.