Alaska mortgage calculator

30-year fixed mortgage calculator with Alaska-specific defaults. Median home price $365,000 · property tax effective rate 1.19%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$73,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Alaska

State pre-set for this page. Switch state

Property tax rate

~$362 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $122/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $365,000 home, 20% down, 6.875% APR, 30-year fixed in Alaska.

Where your payment goes

Principal & interest$1,918

Property tax$362

Homeowner insurance$145

PMI$122

Loan amount

$292,000

Total interest

$398,564

Total paid

$690,564

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$23,019	$3,038	$19,980	$19,980	$288,962
Y02Year 2	$23,019	$3,254	$19,765	$39,745	$285,708
Y03Year 3	$23,019	$3,485	$19,534	$59,279	$282,223
Y04Year 4	$23,019	$3,732	$19,287	$78,566	$278,491
Y05Year 5	$23,019	$3,997	$19,022	$97,588	$274,494
Y06Year 6	$23,019	$4,281	$18,738	$116,326	$270,213
Y07Year 7	$23,019	$4,584	$18,435	$134,761	$265,629
Y08Year 8	$23,019	$4,910	$18,109	$152,870	$260,719
Y09Year 9	$23,019	$5,258	$17,761	$170,631	$255,461
Y10Year 10	$23,019	$5,631	$17,388	$188,018	$249,830
Y11Year 11	$23,019	$6,031	$16,988	$205,006	$243,800
Y12Year 12	$23,019	$6,459	$16,560	$221,567	$237,341
Y13Year 13	$23,019	$6,917	$16,102	$237,669	$230,424
Y14Year 14	$23,019	$7,408	$15,611	$253,280	$223,017
Y15Year 15	$23,019	$7,933	$15,086	$268,365	$215,084
Y16Year 16	$23,019	$8,496	$14,523	$282,888	$206,587
Y17Year 17	$23,019	$9,099	$13,920	$296,808	$197,488
Y18Year 18	$23,019	$9,745	$13,274	$310,082	$187,744
Y19Year 19	$23,019	$10,436	$12,583	$322,664	$177,307
Y20Year 20	$23,019	$11,177	$11,842	$334,506	$166,131
Y21Year 21	$23,019	$11,970	$11,049	$345,555	$154,161
Y22Year 22	$23,019	$12,819	$10,200	$355,755	$141,342
Y23Year 23	$23,019	$13,729	$9,290	$365,045	$127,613
Y24Year 24	$23,019	$14,703	$8,316	$373,361	$112,910
Y25Year 25	$23,019	$15,746	$7,273	$380,633	$97,164
Y26Year 26	$23,019	$16,864	$6,155	$386,789	$80,300
Y27Year 27	$23,019	$18,060	$4,959	$391,747	$62,240
Y28Year 28	$23,019	$19,342	$3,677	$395,424	$42,898
Y29Year 29	$23,019	$20,714	$2,305	$397,729	$22,184
Y30Year 30	$23,019	$22,184	$835	$398,564	$0

Loading calculator…

Alaska context

Anchorage and Fairbanks dominate; rural/bush properties often require specialty appraisers and higher down payments.

Alaska — related

Alaska income tax

Top marginal — · No income tax

Open →

Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

Open →

National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

Open →

Last updated 2026-05-13