# 24 CFR § 81.18: Affordability—Income level definitions—family size not known (actual or prospective tenants)

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-24-81.18

## Section

- **Citation:** 24 CFR § 81.18
- **Heading:** Affordability—Income level definitions—family size not known (actual or prospective tenants)
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** 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

## 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 CFR § 81.1 § 81.1 Scope of part.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.1.md)
- [24 CFR § 81.2 § 81.2 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.2.md)
- [24 CFR § 81.11 § 81.11 General.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.11.md)
- [24 CFR § 81.12 § 81.12 Low- and Moderate-Income Housing Goal.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.12.md)
- [24 CFR § 81.13 § 81.13 Central Cities, Rural Areas, and Other Underserved Areas Housing Goal.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.13.md)
- [24 CFR § 81.14 § 81.14 Special Affordable Housing Goal.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.14.md)
- [24 CFR § 81.15 § 81.15 General requirements.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.15.md)
- [24 CFR § 81.16 § 81.16 Special counting requirements.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.16.md)
- [24 CFR § 81.17 § 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/ecfr-24-81.17.md)
- [24 CFR § 81.18 § 81.18 Affordability—Income level definitions—family size not known (actual or prospective tenants).](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.18.md)
- [24 CFR § 81.19 § 81.19 Affordability—Rent level definitions—tenant income is not known.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.19.md)
- [24 CFR § 81.20 § 81.20 Actions to be taken to meet the goals.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.20.md)
- [24 CFR § 81.21 § 81.21 Notice and determination of failure to meet goals.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.21.md)
- [24 CFR § 81.22 § 81.22 Housing plans.](https://www.frixlaw.com/law-library/statutes/ecfr-24-81.22.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-24-81.18. Check the current official text before relying on it. Not legal advice.