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City · 18,677 residents · Fairbanks North Star Borough, Alaska

Badger , Alaska

In Badger, a typical home is worth $310,600 and typical rent is $1,629 a month. Compared with all of Fairbanks North Star Borough, typical rent is 12% higher, typical household income is 10% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $310,600

    4% above the borough

    12% below Alaska

    • Badger
    • Fairbanks North Star
    • Alaska

  • Typical rent

    $1,629a month

    12% above the borough

    15% above Alaska

    • Badger
    • Fairbanks North Star
    • Alaska

  • Typical household income

    $97,183a year

    10% above the borough

    5% above Alaska

    • Badger
    • Fairbanks North Star
    • Alaska

  • Households that own their home

    81%

    19 points above the borough

    14 points above Alaska

    • Badger
    • Fairbanks North Star
    • Alaska

Source: U.S. Census Bureau, Average 2020–2024

Badger is in Fairbanks North Star Borough. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Fairbanks North Star Borough. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Badger apart

What this place has that others do not, from public data, most unusual first.

  1. 81% of households in Badger own their home, against 62% in Fairbanks North Star Borough.

  2. Nearby, in Chena Ridge, the typical rent is $1,110: 32% less than in Badger ($1,629).

  3. Badger has the 2nd smallest share of rent-burdened renters of the 18 cities in Alaska with more than 5,000 people (25%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Badger

What homes there are in Badger, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Badger, 7 in 10 homes are single-family detached houses; in Fairbanks North Star Borough, 6.

Year built

The typical year built in Badger is 1985, about the same as in Fairbanks North Star Borough (1985).

There is more room for a big family here: 64% of homes have 3 bedrooms or more, against 49% in Fairbanks North Star Borough.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Badger sit under the FHA limit for Fairbanks North Star Borough ($541,287): about 95%.

Monthly rent with utilities

With a mortgage

$2,123 a month

Fairbanks North Star Borough: $2,194 a month

Without a mortgage

$704 a month

Fairbanks North Star Borough: $751 a month

Owners with a mortgage

67%

Fairbanks North Star Borough: 57%

In Badger, 67% of owners have a mortgage; their typical cost is $2,123 a month, about the same as in Fairbanks North Star Borough.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Badger gained value faster than in Fairbanks North Star Borough: 38% against 24%.

Rents in Badger rose faster than in Fairbanks North Star Borough: 24% since 2015–2019, against 12%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBadgerFairbanks North Star BoroughAlaskaUnited States
Rental vacancy Unreliable estimate8.9%7.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate4.0%5.7%3.4%
People per household 2.772.512.612.53
Drive alone 83%72%65%69%
Carpool 8%12%12%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate7%8%3%
Work from home 5%7%10%15%
Other means Unreliable estimate2%4%2%
Typical commute 20 to 29 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.77 on average, against 2.51 in Fairbanks North Star Borough.

In Badger, 83% of workers drive alone to work; in Fairbanks North Star Borough, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Badger?

A typical home is tight for the typical income

We start with a typical home in Badger, worth $310,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Badger, which is $97,183 a year. For that payment to be 28% of income, a household would need to earn about $112,623 a year.

The calculator's FHA and conventional loan limits are those of all of Fairbanks North Star Borough.

Your numbers

Local data
$

Starts at the typical home value in Badger. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,871 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,628

at 7.18% · 30 years

Loan amount
$304,974
Total interest
$438,786
Paid off in
November 2056

Includes $5,245 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,268 a month

  • Tight

    $2,268 to $2,915 a month

    Your payment · 32%

  • Hard

    more than $2,915 a month

Compared with the typical household income in Badger ($97,183 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,628
Principal & interest$2,066
Property tax$295
Home insurance$129
FHA mortgage insurance (MIP)$137

You need at least $10,871 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Badger and Fairbanks North Star Borough

Badger is in Fairbanks North Star Borough, Alaska. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Badger's own numbers

Typical home value
$310,600
Typical monthly rent
$1,629
Typical yearly household income
$97,183
Households that own their home
81%
Effective property tax rate
1.14%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Fairbanks North Star Borough

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$1,553
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
5.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Fairbanks North Star Borough.

Everything about Fairbanks North Star Borough

Buying

Buying a home in Badger

A typical home in Badger is worth $310,600: 4% above the borough and 12% below Alaska. With the typical household income in Badger ($97,183 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Badger 3.2 years
  • Fairbanks North Star 3.4 years
  • Alaska 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fairbanks North Star Borough

According to FHFA’s house price index, home prices in Fairbanks North Star Borough rose 55% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Fairbanks North Star Borough.

Period Borough Alaska U.S.
Last year (2025) +5.0% +4.1% +2.9%
5 years (2020–2025) +36% +39% +47%
10 years (2015–2025) +55% +52% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Badger next to Fairbanks North Star Borough, Alaska and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Badger $310,600
  • Fairbanks North Star $298,200
  • Alaska $352,900
  • United States $332,700
Typical monthly rent
  • Badger $1,629
  • Fairbanks North Star $1,459
  • Alaska $1,419
  • United States $1,413
Typical yearly household income
  • Badger $97,183
  • Fairbanks North Star $88,267
  • Alaska $92,788
  • United States $80,734
See the full table
Badger next to Fairbanks North Star Borough and Alaska
Measure Badger Fairbanks North Star Borough Alaska U.S.
Typical home value $310,600 $298,200 $352,900 $332,700
Typical monthly rent $1,629 $1,459 $1,419 $1,413
Typical yearly household income $97,183 $88,267 $92,788 $80,734
Households that own their home 81% 62% 67% 65%
Typical yearly property tax $3,548 $3,550 $3,901 $3,119
Effective property tax rate 1.14% 1.19% 1.11% 0.94%
Renters with high rent for their income 25% 46% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fairbanks North Star Borough. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Badger

For a typical $310,600 home in Badger, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Badger's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,628a month

    Least cash to close
    Down payment
    $10,871
    Cash to close
    $20,189
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $137

  • Conventional, 5% down $2,571a month

    Down payment
    $15,530
    Cash to close
    $24,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,108a month

    Down payment
    $62,120
    Cash to close
    $71,438
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,395a month

    Down payment
    $46,590
    Cash to close
    $55,908
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Badger and for Fairbanks North Star Borough.

Property tax

Effective rate in Badger

1.14%of the home’s value each year

$3,548 a year for the typical owner in Badger.

  • Badger 1.14%
  • Fairbanks North Star 1.19%
  • Alaska 1.11%

What Alaska publishes Optional municipal residential exemption (Alaska State Legislature (Alaska Statutes 2025))

Exemptions and deadlines in Alaska

Flood risk in Fairbanks North Star Borough

FEMA does not publish these numbers by city: they are for all of Fairbanks North Star Borough.

Homes in the high-risk zone
5.6%
1,707
Of those, with NFIP insurance
26%
Borough Alaska U.S.
Homes in the high-risk zone 5.6% 1.2% 3.5%
Of those, with NFIP insurance 26% 49% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Badger

Typical rent in Badger is $1,629 a month: 12% above the borough. In Badger, 25% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fairbanks North Star Borough, by unit size. To pay the 2-bedroom one ($1,553 a month) without spending more than 30% of your income, you would need to earn $29.87 an hour working full time.

HUD fair market rent for all of Fairbanks North Star Borough

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,081 $20.79 $43,240
1 bedroom $1,187 $22.83 $47,480
2 bedrooms $1,553 $29.87 $62,120
3 bedrooms $2,150 $41.35 $86,000
4 bedrooms $2,596 $49.92 $103,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Badger

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Badger is in ZIP code 99705.

For 2 bedrooms it is $1,580: $27 more than the fair market rent for Fairbanks North Star Borough ($1,553).

  • 99705 $1,580$2,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Badger when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Badger

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Fairbanks North Star Borough. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Badger

No down payment, repair or rent-help program on our list is for Badger or Fairbanks North Star Borough. The ones below are statewide in Alaska: they work in Badger the same as in the rest of the state.

Which programs do I qualify for? All programs in Alaska

  • Closing Cost Assistance Program (CCAP)

    Statewide in Alaska

    Alaska state authority help of 3% or 4% of the loan, paid at closing and not repaid, for the down payment, closing costs or to reduce the principal; with 30-year fixed-rate FHA, VA or USDA mortgages. Offered by Alaska Housing Finance Corporation (AHFC).

    Grant

    See the program Official page

Housing counselors near Badger

The HUD-approved agencies closest to the center of Badger, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Rural Alaska Community Action Program

    130 E Redoubt Ave, Soldotna · 320 miles away

    • Budget and credit workshops
    • Home improvement and repairs
    • and 1 more
    (907) 260-3451

All counseling agencies in Alaska

Help in Spanish near Badger

None of the 1 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Badger

HUD lists no housing authority with an office in Fairbanks North Star Borough. One in a neighboring county or the state’s may serve the area.

All housing agencies in Alaska Source: HUD

Cities

Other cities in Fairbanks North Star Borough

These cities are also in Fairbanks North Star Borough. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Fairbanks North Star Borough Housing in Alaska

Nearby cities

The cities closest to Badger, with the typical home value.

Neighboring counties

If Fairbanks North Star Borough is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Badger.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Badger

Short answers with the numbers for Badger and all of Fairbanks North Star Borough. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Badger?

The typical home value in Badger is $310,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fairbanks North Star Borough it is $298,200.

How much does it cost to rent in Badger?

Typical rent in Badger is $1,629 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fairbanks North Star Borough is $1,553.

What is the FHA loan limit in Badger?

Badger uses the FHA limit for all of Fairbanks North Star Borough (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Badger?

The typical homeowner in Badger pays $3,548 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Fairbanks North Star Borough, the rate is 1.19%.

Where can I find free help to buy or rent in Badger?

We found no HUD-approved counseling agencies with an office in Fairbanks North Star Borough; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).