First mortgage
Home Start Homeownership Program (Kodiak Island Housing Authority)
First-time homebuyers · New construction · Income limits
Down payment assistance · Kodiak Island
Buying a home in Kodiak, AK
1 Kodiak program and 14 statewide.Kodiak has 1 program of its own, and 14 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Kodiak addresses
Kodiak’s own program
The Kodiak marketThe Kodiak housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kodiak
- 52.9% single-familysingle-family
- 2.2% townhousetownhouse
- 14.5% 2–4 units2–4 units
- 28.3% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kodiak’s homes were built
pre-19401970s2020+
56.7%
of Kodiak homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$113,100
County area median income, 4 people (HUD)HUD area median income, Kodiak Island, 4-person household (2026)
$90,292
Kodiak median household incomeMedian household income in Kodiak (Census, 2024)
13 of the 77 programs here set their income limit as a share of Kodiak Island’s area median income, adjusted for household size. See the published limits for Kodiak Island
Free help nearbyFree help near Kodiak
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Kodiak’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Home Start Homeownership Program (Kodiak Island Housing Authority) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Alaska and nationwide
76 statewide & federal programs14 statewide programs, plus federal options
Kodiak questions
Does Kodiak have its own down payment program?
Yes, one: Home Start Homeownership Program (Kodiak Island Housing Authority), a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Kodiak.
Can I use assistance on a condo in Kodiak?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Kodiak Island?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Kodiak Island, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Kodiak?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
99615 · 99619 · 99697
Nearby in Kodiak Island
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.