{"data":{"id":"us/24-cfr-81.18","jurisdiction":"us","citation":"24 CFR 81.18","heading":"Affordability—Income level definitions—family size not known (actual or prospective tenants).","body":"In determining whether a rental unit is affordable to very-low, low-, or moderate-income families where family size is not known to the GSE, income will be adjusted using unit size, and affordability determined as follows:\n(a) For moderate-income, the income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 70\n1 bedroom 75\n2 bedrooms 90\n3 bedrooms or more (*)\n*104% plus (12% multiplied by the number of bedrooms in excess of 3).\n(b) For low-income, income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 56\n1 bedroom 60\n2 bedrooms 72\n3 bedrooms or more (*)\n*83.2% plus (9.6% multiplied by the number of bedrooms in excess of 3).\n(c) For very-low-income, income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 42\n1 bedroom 45\n2 bedrooms 54\n3 bedrooms or more (*)\n*62.4% plus (7.2% multiplied by the number of bedrooms in excess of 3).\n(d) For especially-low-income, income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 35\n1 bedroom 37.5\n2 bedrooms 45\n3 bedrooms or more (*)\n* 52% plus (6.0% multiplied by the number of bedrooms in excess of 3).","path":["Title 24—Housing and Urban Development","Subtitle A—Office of the Secretary, Department of Housing and Urban Development","PART 81—THE SECRETARY OF HUD'S REGULATION OF THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FANNIE MAE) AND THE FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)","Subpart B—Housing Goals"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-24.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:55Z","sha256":"9b3ef21298c1f582c318b0757a807df8c04fb1d3518e9d379346c398c2c986d8","source_id":"us-cfr","stale":true,"prev":"us/24-cfr-81.17","next":"us/24-cfr-81.19"},"notice":"GroundRules: Original legal text. Not legal advice."}