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Homestead Exemption Laws in Alaska

Alaska protects up to $72,900 of equity in a principal residence, the amount set by regulation in place of the $54,000 written in the statute, with no acreage limit in the statute.

Last checked . General information, not legal advice.

Alaska at a glance

Exemption amount
$72,900
AS 09.38.010 says $54,000, but 8 AAC 95.030 sets the adjusted homestead amount at $72,900.
Unlimited in value
No
Acreage limit
No acreage limit
AS 09.38.010 limits the exemption by value only.

Sources

Last checked

The rules in Alaska

How much home equity does the homestead exemption protect in Alaska?

Exemption amount in Alaska: $72,900. AS 09.38.010 says $54,000, but 8 AAC 95.030 sets the adjusted homestead amount at $72,900.

Is the homestead exemption unlimited in value in Alaska?

No. Unlimited in value in Alaska: no.

Is there an acreage limit on the homestead exemption in Alaska?

Acreage limit in Alaska: No acreage limit. AS 09.38.010 limits the exemption by value only.

Where do the Alaska homestead exemption laws come from?

The rules above come from Alaska Stat. 09.38.010 and 8 AAC 95.030. Each source is linked on this page. We last checked them in October 2026.

Good to know

If several owners use the property as their principal residence, the total exemption for one living unit is capped at the single amount and each owner gets a pro rata share.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.