# 24 C.F.R. § 81.19 (2026): Affordability—Rent level definitions—tenant income is not known > Federal · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_19 ## Section - **Citation:** 24 C.F.R. § 81.19 (2026) - **Heading:** Affordability—Rent level definitions—tenant income is not known - **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 / § 81.19: § 81.19 Affordability—Rent level definitions—tenant income is not known. ## Text For purposes of determining whether a rental unit is affordable to very-low-, low-, or moderate-income families where the income of the family in the dwelling unit is not known to the GSE, the affordability of the unit is determined based on unit size as follows: (a) For moderate-income, maximum affordable rents to count as housing for moderate-income families shall not exceed the following percentages of area median income with adjustments, depending on unit size: Unit size Percentage of area median income Efficiency 21 1 bedroom 22.5 2 bedrooms 27 3 bedrooms or more (*) *31.2% plus (3.6% multiplied by the number of bedrooms in excess of 3); (b) For low-income, maximum affordable rents to count as housing for low-income families shall not exceed the following percentages of area median income with adjustments, depending on unit size: Unit size Percentage of area median income Efficiency 16.8 1 bedroom 18 2 bedrooms 21.6 3 bedrooms or more (*) *24.96% plus (2.88% multiplied by the number of bedrooms in excess of 3); and (c) For very-low-income, maximum affordable rents to count as housing for very-low-income families shall not exceed the following percentages of area median income with adjustments, depending on unit size: Unit size Percentage of area median income Efficiency 12.6 1 bedroom 13.5 2 bedrooms 16.2 3 bedrooms or more (*) *18.72% plus (2.16% multiplied by the number of bedrooms in excess of 3). (d) For especially-low-income, maximum affordable rents to count as housing for especially-low-income families shall not exceed the following percentages of area median income with adjustments, depending on unit size: Unit size Percentage of area median income Efficiency 10.5 1 bedroom 11.25 2 bedrooms 13.5 3 bedrooms or more (*) * 15.6% plus (1.8% multiplied by the number of bedrooms in excess of 3). For especially-low-income, maximum affordable rents to count as housing for especially-low-income families shall not exceed the following percentages of area median income with adjustments, depending on unit size: Unit size Percentage of area median income Efficiency 10.5 1 bedroom 11.25 2 bedrooms 13.5 3 bedrooms or more (*) * 15.6% plus (1.8% multiplied by the number of bedrooms in excess of 3). (e) Missing Information. Each GSE shall make every effort to obtain the information necessary to make the calculations in this section. If a GSE makes such efforts but cannot obtain data on the number of bedrooms in particular units, in making the calculations on such units, the units shall be assumed to be efficiencies except as provided in § 81.15(e)(6)(i). [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) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T24_P81_S81_19. 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