ZIP Code 99709 — Fairbanks, AK Home Prices (2026)
The typical home in ZIP 99709 (Fairbanks, Alaska) is worth about $324,000 at roughly $188 per square foot — about the same as the Fairbanks median and 10% more expensive than the typical U.S. home.
How 99709 compares
ZIP 99709 is a mid-priced ZIP code for Fairbanks: its typical home value of $324,000 ranks #2 of the 3 Fairbanks ZIP codes we track (the citywide range runs from $276,000 in 99701 to $325,000 in 99712). Per square foot it costs about $188, against $196 for Fairbanks as a whole, $268 for Alaska, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 99709 | $324,000 | $188 |
| Fairbanks, AK | $324,000 | $196 |
| Alaska | $409,000 | $268 |
| United States | $294,000 | $195 |
Home value by size in 99709
Using this ZIP’s rate of about $188 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $188,000 |
| 1,500 sq ft | $282,000 |
| 2,000 sq ft | $376,000 |
| 2,500 sq ft | $470,000 |
| 3,000 sq ft | $564,000 |
Salary needed to buy a home in ZIP 99709
To buy the typical $324,000 home in ZIP 99709 with 20% down, you need a household income of roughly $88,000 a year (about $2,060 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $105,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,200 | $2,560/mo | $110,000/yr |
| 10% (+PMI) | $32,400 | $2,440/mo | $105,000/yr |
| 20% | $64,800 | $2,060/mo | $88,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 99709
At about $188 per square foot, here is roughly how much home different budgets get you in ZIP 99709:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1060 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1330 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1600 sq ft | around the typical home here |
| $400k | 2130 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 99709 home.
Estimate a specific home in 99709
The estimator below is pre-set to ZIP 99709 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Fairbanks ZIP codes by home value
Where 99709 sits among Fairbanks’s 3 ZIP codes:
ZIP 99709 home prices: frequently asked
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See the full Fairbanks home values page, all Alaska cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.