Step 1: Count Everyone in Your Household
This includes all the people who live in your home: adults, children, and anyone else living with you permanently. For example, if you live with your spouse and two kids, your household size is 4.
Step 2: Identify Who in Your Household Earns Income
Now, count how many people in your household, 18 years or older, receive income. This includes wages, salaries, Social Security, disability, retirement, or any other source of income. Even if only some people in your home earn money, the household size still includes everyone living there.
Step 3: Add Up All Gross Income
“Gross income” means the total amount earned before taxes or deductions. Add up the gross annual income of everyone in your household who earns money. You can check this on your IRS 1040 documents. For example, if you earn $45,000 per year and your spouse earns $35,000 per year; the combined gross household income = $80,000.
Step 4: Compare Your Household Income to the Income Limits
Look at the chart (provided below) for your household size. Find the maximum allowable income for your size, then compare it to the total household income you calculated.
FFY 2026 HUD Income Limits
(Effective Date: May 1, 2026)
| Household Size |
Low Income (80%) |
| 1 |
$66,000 |
| 2 |
$75,400 |
| 3 |
$84,850 |
| 4 |
$94,250 |
| 5 |
$101,800 |
| 6 |
$109,350 |
| 7 |
$116,900 |
| 8 |
$124,450 |
Step 5: Next Steps if You Qualify
If your household income is at or below the income limit for your household size, you may be eligible to apply for the Program. You’ll need to provide documentation to verify income as part of your application.
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