Mortgage Rates in Unalaska, Alaska — March 2026
Updated March 2026 | Based on Unalaska market data and regional lending conditions
Unalaska is a growing city in Alaska with a population of 4,758. The current 30-year fixed mortgage rate in Unalaska is 6.82%, which is 0.17% above the national average. With a median home price of $225,000 and a 20% down payment of $45,000, homebuyers can expect a monthly principal and interest payment of approximately $1,176.
Current Mortgage Rates in Unalaska, AK
Below are the current average mortgage rates available in the Unalaska 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Unalaska Housing Market Overview
The Unalaska housing market offers relatively affordable housing compared to many major cities. The median household income in Unalaska is $79,200, and the cost of living index is 119.3 (national average = 100). Based on the 28% affordability rule, the median income in Unalaska is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Unalaska
Based on the median home price of $225,000 with 20% down ($45,000), here is what you can expect to pay monthly in Unalaska:
15-Year vs. 30-Year Mortgage in Unalaska
Choosing a 15-year mortgage in Unalaska at 6.05% instead of a 30-year at 6.82% would save you $149,040 in total interest over the life of the loan. However, your monthly payment would be $1,524 instead of $1,176 — an increase of $348 per month.
Calculate Your Unalaska 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 Unalaska
What are the current mortgage rates in Unalaska, AK?
As of March 2026, the average 30-year fixed mortgage rate in Unalaska, Alaska is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Unalaska?
Based on the median home price of $225,000 with 20% down, the estimated monthly mortgage payment in Unalaska is $1,176 for principal and interest. Including property taxes of $203/month, the total monthly housing cost is approximately $1,379.
What income do I need to buy a home in Unalaska?
Using the 28% rule, you would need an annual income of approximately $59,100 to afford the median-priced home in Unalaska at $225,000. The median household income in Unalaska is $79,200. The median income is currently sufficient to meet this threshold.
Is Unalaska a good place to buy a home in 2026?
Unalaska has a moderate cost of living with a cost of living index of 119.3 (national average = 100). The property tax rate in Alaska is 1.08%, which is near the national average. Unalaska has a population of 4,758 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 Unalaska, Alaska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.