Local costs · Alaska
What a home costs across Alaska
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Alaska, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,129 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Alaska charges no state transfer or recording tax on a home purchase.
- Title insurance
- Alaska uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Alaska levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 28 counties in Alaska
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Aleutians East Borough | 0.15% | $550–$1,230typical $850 |
| Aleutians West Census Area | 0.71% | $550–$1,230typical $850 |
| Anchorage Municipality | 1.26% | $550–$1,230typical $850 |
| Bethel Census Area | 0.12% | $670–$1,490typical $1,030 |
| Bristol Bay Borough | 0.83% | $550–$1,230typical $850 |
| Chugach Census Area | 0.98% | $550–$1,230typical $850 |
| Copper River Census Area | 0.10%* | $1,500–$3,340typical $2,300 |
| Dillingham Census Area | 1.72% | $550–$1,230typical $850 |
| Fairbanks North Star Borough | 1.19% | $1,220–$2,730typical $1,880 |
| Haines Borough | 0.83% | $550–$1,230typical $850 |
| Hoonah-Angoon Census Area | 0.43% | $550–$1,230typical $850 |
| Juneau City and Borough | 0.95% | $550–$1,230typical $850 |
| Kenai Peninsula Borough | 0.63% | $1,030–$2,310typical $1,590 |
| Ketchikan Gateway Borough | 0.67% | $550–$1,230typical $850 |
| Kodiak Island Borough | 0.87% | $550–$1,230typical $850 |
| Kusilvak Census Area | 0.24% | $550–$1,230typical $850 |
| Matanuska-Susitna Borough | 1.06% | $620–$1,380typical $950 |
| Nome Census Area | 1.54% | $550–$1,230typical $850 |
| North Slope Borough | 1.06% | $550–$1,230typical $850 |
| Northwest Arctic Borough | 0.10% | $550–$1,230typical $850 |
| Petersburg Borough | 0.60% | $550–$1,230typical $850 |
| Prince of Wales-Hyder Census Area | 0.51% | $550–$1,230typical $850 |
| Sitka City and Borough | 0.46% | $550–$1,230typical $850 |
| Skagway Municipality | 0.38% | $550–$1,230typical $850 |
| Southeast Fairbanks Census Area | 1.19% | $1,690–$3,770typical $2,600 |
| Wrangell City and Borough | 0.56% | $550–$1,230typical $850 |
| Yakutat City and Borough | 0.67% | $550–$1,230typical $850 |
| Yukon-Koyukuk Census Area | 1.13% | $1,550–$3,450typical $2,380 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.