In Alaska, the effective property-tax rate averages about 1.07% of home value. On the state's median-priced home ($318,000) with 20% down at 6.85%, the all-in monthly payment is roughly $2,043.31 including taxes and insurance.
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| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $2,660 | $17,344 | $251,740 |
| 2 | $2,848 | $17,156 | $248,892 |
| 3 | $3,049 | $16,955 | $245,843 |
| 4 | $3,265 | $16,739 | $242,578 |
| 5 | $3,496 | $16,508 | $239,083 |
| 6 | $3,743 | $16,261 | $235,340 |
| 7 | $4,007 | $15,997 | $231,333 |
| 8 | $4,291 | $15,713 | $227,042 |
| 9 | $4,594 | $15,410 | $222,449 |
| 10 | $4,919 | $15,085 | $217,530 |
| 11 | $5,266 | $14,738 | $212,264 |
| 12 | $5,639 | $14,365 | $206,625 |
| 13 | $6,037 | $13,967 | $200,588 |
| 14 | $6,464 | $13,540 | $194,124 |
| 15 | $6,921 | $13,083 | $187,203 |
| 16 | $7,410 | $12,594 | $179,793 |
| 17 | $7,934 | $12,070 | $171,859 |
| 18 | $8,495 | $11,509 | $163,365 |
| 19 | $9,095 | $10,908 | $154,269 |
| 20 | $9,738 | $10,265 | $144,531 |
| 21 | $10,427 | $9,577 | $134,104 |
| 22 | $11,164 | $8,840 | $122,941 |
| 23 | $11,953 | $8,051 | $110,988 |
| 24 | $12,798 | $7,206 | $98,190 |
| 25 | $13,703 | $6,301 | $84,487 |
| 26 | $14,671 | $5,332 | $69,816 |
| 27 | $15,708 | $4,295 | $54,107 |
| 28 | $16,819 | $3,185 | $37,288 |
| 29 | $18,008 | $1,996 | $19,280 |
| 30 | $19,280 | $723 | $0 |
Alaska's effective property-tax rate averages about 1.07% of a home's value — roughly $3,403 per year on a $318,000 home. Actual bills vary by county and assessment.
On the median Alaska home ($318,000) with 20% down at 6.85%, the full payment is about $2,043.31 including principal, interest, property tax, and insurance.
Rates are set nationally by market conditions and your credit, not by state, but closing costs, property taxes, and insurance — which shape your real monthly cost — vary significantly by state.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.