# 24 C.F.R. § 81.18 (2026): Affordability—Income level definitions—family size not known (actual or prospective tenants)

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_18

## Section

- **Citation:** 24 C.F.R. § 81.18 (2026)
- **Heading:** Affordability—Income level definitions—family size not known (actual or prospective tenants)
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 24 CFR: 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 / § 81.18: § 81.18   Affordability—Income level definitions—family size not known (actual or prospective tenants).

## Text

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:
(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:
Unit size
Percentage of area median income
Efficiency
70
1 bedroom
75
2 bedrooms
90
3 bedrooms or more
(*)
*104% plus (12% multiplied by the number of bedrooms in excess of 3).
(b)
For low-income,
income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:
Unit size
Percentage of area median income
Efficiency
56
1 bedroom
60
2 bedrooms
72
3 bedrooms or more
(*)
*83.2% plus (9.6% multiplied by the number of bedrooms in excess of 3).
(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:
Unit size
Percentage of area median income
Efficiency
42
1 bedroom
45
2 bedrooms
54
3 bedrooms or more
(*)
*62.4% plus (7.2% multiplied by the number of bedrooms in excess of 3).
(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:
Unit size
Percentage of area median income
Efficiency
35
1 bedroom
37.5
2 bedrooms
45
3 bedrooms or more
(*)
* 52% plus (6.0% multiplied by the number of bedrooms in excess of 3).
[60 FR 61888, Dec. 1, 1995, as amended at 65 FR 65089, Oct. 31, 2000]

## Nearby sections

- [24 C.F.R. § 81.11 (2026) § 81.11   General.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_11.md)
- [24 C.F.R. § 81.12 (2026) § 81.12   Low- and Moderate-Income Housing Goal.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_12.md)
- [24 C.F.R. § 81.13 (2026) § 81.13   Central Cities, Rural Areas, and Other Underserved Areas Housing Goal.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_13.md)
- [24 C.F.R. § 81.14 (2026) § 81.14   Special Affordable Housing Goal.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_14.md)
- [24 C.F.R. § 81.15 (2026) § 81.15   General requirements.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_15.md)
- [24 C.F.R. § 81.16 (2026) § 81.16   Special counting requirements.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_16.md)
- [24 C.F.R. § 81.17 (2026) § 81.17   Affordability—Income level definitions—family size and income known (owner-occupied units, actual tenants, and prospective tenants).](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_17.md)
- [24 C.F.R. § 81.18 (2026) § 81.18   Affordability—Income level definitions—family size not known (actual or prospective tenants).](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_18.md)
- [24 C.F.R. § 81.19 (2026) § 81.19   Affordability—Rent level definitions—tenant income is not known.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_19.md)
- [24 C.F.R. § 81.20 (2026) § 81.20   Actions to be taken to meet the goals.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_20.md)
- [24 C.F.R. § 81.21 (2026) § 81.21   Notice and determination of failure to meet goals.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_21.md)
- [24 C.F.R. § 81.22 (2026) § 81.22   Housing plans.](https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_22.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_18. Check the current official text before relying on it. Not legal advice.