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City · 8,663 residents · Kenai Peninsula Borough, Alaska

Kalifornsky , Alaska

In Kalifornsky, a typical home is worth $336,800 and typical rent is $1,394 a month. Compared with all of Kenai Peninsula Borough, typical rent is 18% higher, typical household income is 16% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $336,800

    4% above the borough

    5% below Alaska

    • Kalifornsky
    • Kenai Peninsula
    • Alaska

  • Typical rent

    $1,394a month

    18% above the borough

    About the same as Alaska

    • Kalifornsky
    • Kenai Peninsula
    • Alaska

  • Typical household income

    $93,508a year

    16% above the borough

    About the same as Alaska

    • Kalifornsky
    • Kenai Peninsula
    • Alaska

  • Households that own their home

    85%

    8 points above the borough

    18 points above Alaska

    • Kalifornsky
    • Kenai Peninsula
    • Alaska

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

Kalifornsky is in Kenai Peninsula 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 Kenai Peninsula Borough. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kalifornsky apart

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

  1. Nearby, in Kenai, the typical rent is $1,138: 18% less than in Kalifornsky ($1,394).

  2. Nearby, in Kenai, the typical home value is $283,900: 16% less than in Kalifornsky ($336,800).

  3. The typical rent in Kalifornsky is $1,394 a month, 18% more than in Kenai Peninsula Borough as a whole ($1,184).

  4. The typical household income in Kalifornsky is $93,508, 16% more than in Kenai Peninsula Borough as a whole ($80,538).

  5. 85% of households in Kalifornsky own their home, against 77% in Kenai Peninsula Borough.

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

The homes here

Housing in Kalifornsky

What homes there are in Kalifornsky, 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

The detached house rules in Kalifornsky: 86% of homes, more than in Kenai Peninsula Borough (83%).

Year built

The typical home in Kalifornsky was built in 1994, 4 years after the typical one in Kenai Peninsula 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
Monthly rent with utilities

With a mortgage

$1,840 a month

Kenai Peninsula Borough: $1,904 a month

Without a mortgage

$543 a month

Kenai Peninsula Borough: $531 a month

Owners with a mortgage

63%

Kenai Peninsula Borough: 52%

Owning costs about the same in Kalifornsky as in Kenai Peninsula Borough: with a mortgage, $1,840 a month; without one, $543.

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

The typical home value in Kalifornsky rose 34% since 2015–2019, about the same as in Kenai Peninsula Borough (33%).

Rent in Kalifornsky moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureKalifornskyKenai Peninsula BoroughAlaskaUnited States
Rental vacancy Unreliable estimate6.9%7.0%5.5%
Homeowner vacancy Unreliable estimate0.8%0.9%0.9%
More than one person per room Unreliable estimate4.0%5.7%3.4%
People per household 2.552.402.612.53
Drive alone 71%66%65%69%
Carpool Unreliable estimate12%12%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate6%8%3%
Work from home 12%11%10%15%
Other means Unreliable estimate5%4%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Households in Kalifornsky are bigger: 2.55 people on average; in Kenai Peninsula Borough, 2.40.

The car rules in Kalifornsky: 71% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Kalifornsky?

A typical home is tight for the typical income

We start with a typical home in Kalifornsky, worth $336,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Kalifornsky, which is $93,508 a year. For that payment to be 28% of income, a household would need to earn about $115,868 a year.

The calculator's FHA and conventional loan limits are those of all of Kenai Peninsula Borough.

Your numbers

Local data
$

Starts at the typical home value in Kalifornsky. 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 $11,788 (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

$2,704

at 7.18% · 30 years

Loan amount
$330,700
Total interest
$475,799
Paid off in
November 2056

Includes $5,688 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,182 a month

  • Tight

    $2,182 to $2,805 a month

    Your payment · 35%

  • Hard

    more than $2,805 a month

Compared with the typical household income in Kalifornsky ($93,508 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,704
Principal & interest$2,240
Property tax$174
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,788 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

Kalifornsky and Kenai Peninsula Borough

Kalifornsky is in Kenai Peninsula 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).

Kalifornsky's own numbers

Typical home value
$336,800
Typical monthly rent
$1,394
Typical yearly household income
$93,508
Households that own their home
85%
Effective property tax rate
0.62%

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

Numbers for all of Kenai Peninsula Borough

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$1,390
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
0.9%

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 Kenai Peninsula Borough.

Everything about Kenai Peninsula Borough

Buying

Buying a home in Kalifornsky

A typical home in Kalifornsky is worth $336,800: 4% above the borough and 5% below Alaska. With the typical household income in Kalifornsky ($93,508 a year), a typical home costs 3.6 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.

  • Kalifornsky 3.6 years
  • Kenai Peninsula 4.0 years
  • Alaska 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kenai Peninsula Borough

According to FHFA’s house price index, home prices in Kenai Peninsula Borough rose 72% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kenai Peninsula Borough.

Period Borough Alaska U.S.
Last year (2025) +4.6% +4.1% +2.9%
5 years (2020–2025) +53% +39% +47%
10 years (2015–2025) +72% +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

Kalifornsky next to Kenai Peninsula 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
  • Kalifornsky $336,800
  • Kenai Peninsula $323,200
  • Alaska $352,900
  • United States $332,700
Typical monthly rent
  • Kalifornsky $1,394
  • Kenai Peninsula $1,184
  • Alaska $1,419
  • United States $1,413
Typical yearly household income
  • Kalifornsky $93,508
  • Kenai Peninsula $80,538
  • Alaska $92,788
  • United States $80,734
See the full table
Kalifornsky next to Kenai Peninsula Borough and Alaska
Measure Kalifornsky Kenai Peninsula Borough Alaska U.S.
Typical home value $336,800 $323,200 $352,900 $332,700
Typical monthly rent $1,394 $1,184 $1,419 $1,413
Typical yearly household income $93,508 $80,538 $92,788 $80,734
Households that own their home 85% 77% 67% 65%
Typical yearly property tax $2,078 $2,049 $3,901 $3,119
Effective property tax rate 0.62% 0.63% 1.11% 0.94%
Renters with high rent for their income 50% 49% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kenai Peninsula 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 Kalifornsky

For a typical $336,800 home in Kalifornsky, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kalifornsky's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,704a month

    Least cash to close
    Down payment
    $11,788
    Cash to close
    $21,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,642a month

    Down payment
    $16,840
    Cash to close
    $26,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,140a month

    Down payment
    $67,360
    Cash to close
    $77,464
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,451a month

    Down payment
    $50,520
    Cash to close
    $60,624
    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 Kalifornsky and for Kenai Peninsula Borough.

Property tax

Effective rate in Kalifornsky

0.62%of the home’s value each year

$2,078 a year for the typical owner in Kalifornsky.

  • Kalifornsky 0.62%
  • Kenai Peninsula 0.63%
  • Alaska 1.11%

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

Exemptions and deadlines in Alaska

Flood risk in Kenai Peninsula Borough

FEMA does not publish these numbers by city: they are for all of Kenai Peninsula Borough.

Homes in the high-risk zone
0.9%
317
Of those, with NFIP insurance
61%
Borough Alaska U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%
Of those, with NFIP insurance 61% 49% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kalifornsky

Typical rent in Kalifornsky is $1,394 a month: 18% above the borough. In Kalifornsky, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kenai Peninsula Borough, by unit size. To pay the 2-bedroom one ($1,390 a month) without spending more than 30% of your income, you would need to earn $26.73 an hour working full time.

HUD fair market rent for all of Kenai Peninsula 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 $1,056 $20.31 $42,240
1 bedroom $1,063 $20.44 $42,520
2 bedrooms $1,390 $26.73 $55,600
3 bedrooms $1,925 $37.02 $77,000
4 bedrooms $2,323 $44.67 $92,920

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 Kalifornsky

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kalifornsky has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,320 in 99611 to $1,870 in 99610.

2 of the 3 are above the fair market rent for Kenai Peninsula Borough ($1,390).

  • 99610 $1,870$2,590
  • 99611 $1,320$1,830
  • 99669 $1,400$1,940

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kalifornsky 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 Kalifornsky

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.

There is 1 HUD-approved agency with an office in Kenai Peninsula Borough; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Kalifornsky

No down payment, repair or rent-help program on our list is for Kalifornsky or Kenai Peninsula Borough. The ones below are statewide in Alaska: they work in Kalifornsky 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 Kalifornsky

The HUD-approved agencies closest to the center of Kalifornsky, 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 · 6 miles away

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

Every agency in Kenai Peninsula Borough All counseling agencies in Alaska

Help in Spanish near Kalifornsky

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 Kalifornsky

HUD lists no housing authority with an office in Kenai Peninsula 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 Kenai Peninsula Borough

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

Everything about Kenai Peninsula Borough Housing in Alaska

Nearby cities

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

Neighboring counties

If Kenai Peninsula 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 Kalifornsky.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Kalifornsky

Short answers with the numbers for Kalifornsky and all of Kenai Peninsula 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 Kalifornsky?

The typical home value in Kalifornsky is $336,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kenai Peninsula Borough it is $323,200.

How much does it cost to rent in Kalifornsky?

Typical rent in Kalifornsky is $1,394 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kenai Peninsula Borough is $1,390.

What is the FHA loan limit in Kalifornsky?

Kalifornsky uses the FHA limit for all of Kenai Peninsula 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 Kalifornsky?

The typical homeowner in Kalifornsky pays $2,078 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Kenai Peninsula Borough, the rate is 0.63%.

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

There is 1 HUD-approved counseling agency with an office in Kenai Peninsula Borough. 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).