If you want to know whether you qualify for HUD housing assistance programs, our HUD Income Calculator is the perfect tool for you. It helps determine your income percentage compared to your area’s median income (AMI) and classifies it into categories such as Extremely Low Income, Very Low Income, Low Income, Moderate Income, or Above Moderate Income.
HUD Income Calculator
What Is HUD Income?
HUD income refers to your household's yearly earnings as considered by the U.S. Department of Housing and Urban Development. HUD programs provide housing assistance to those with incomes falling under specific thresholds, defined relative to the Area Median Income (AMI).
How to Use the HUD Income Calculator
Using the HUD Income Calculator is simple and quick. Just follow these steps:
- Enter your annual income (in USD) — This is the total household income before taxes.
- Enter your household size — Count all people living with you, regardless of age.
- Enter your area’s AMI (Area Median Income) — You can find this on your local housing authority or HUD websites.
- Click the 'Calculate' button.
- View the output:
- Income Percentage of AMI
- Income Category
- HUD Eligibility Status
Use the Reset button to clear your entries and start again.
Example Calculation
Let’s say:
- Annual Income = $40,000
- Household Size = 4
- Area Median Income = $80,000
Then, the income percentage is:
(40000 / 80000) * 100 = 50%
Results:
- Income Percentage of AMI: 50%
- Income Category: Very Low Income
- HUD Status: Eligible for HUD assistance
HUD Income Categories
| AMI Percentage Range | Income Category | HUD Eligibility Status |
|---|---|---|
| ≤30% | Extremely Low Income | Eligible for HUD assistance |
| 31-50% | Very Low Income | Eligible for HUD assistance |
| 51-80% | Low Income | Eligible for HUD assistance |
| 81-120% | Moderate Income | May qualify for some programs |
| >120% | Above Moderate Income | Not eligible for most HUD assistance |
These thresholds vary by region, so always use the correct AMI for your area.
Why Use a HUD Income Calculator?
- Fast and Free: No signup needed
- Accurate results: Based on HUD guidelines
- Useful for renters and buyers
- Instant eligibility feedback
20 Most Asked FAQs About HUD Income Calculator
- What is AMI? AMI stands for Area Median Income, which is the midpoint income in a region. HUD uses this to define income limits.
- Where can I find the AMI for my area? Check your local housing authority or HUD.gov.
- Do I need to include all income sources? Yes, include all sources such as wages, pensions, child support, etc.
- Can this calculator guarantee HUD eligibility? No, it estimates eligibility based on income and household size. Final decisions are made by HUD/local agencies.
- Is this tool free to use? Yes, it's completely free and available 24/7.
- What if my household income is not consistent? Use an average of your total annual income.
- Is the calculator suitable for Section 8 Housing? Yes, it's helpful for all HUD-funded programs.
- Do children count in household size? Yes, every individual living in your home counts.
- What is considered low income for HUD? Generally, 80% or less of AMI.
- Can I use this tool on mobile? Yes, it's mobile-friendly and works on all devices.
- What happens after I qualify? You may apply for housing through your local authority.
- Is HUD assistance the same nationwide? No, it varies by state and region.
- Do I need to sign in to use the calculator? No, no login is required.
- Can I calculate for multiple household scenarios? Yes, simply reset and enter new details.
- How accurate are the results? Very accurate when correct data is entered.
- What does 120% of AMI mean? It means your income is 20% above the area's median.
- Is this tool official from HUD? No, it’s a third-party tool based on HUD guidelines.
- How often does AMI data change? Annually, based on census and housing updates.
- Does household size affect results a lot? Yes, HUD income limits are adjusted by household size.
- How do I apply for HUD programs after using this? Visit your local public housing agency or HUD's official site.
Final Thoughts
The HUD Income Calculator is an essential tool for individuals and families looking to access affordable housing assistance. By simply entering your income, household size, and area median income, you can quickly determine your eligibility and make informed decisions for your future housing needs.