Affordable Housing in Detroit: Understanding Income Restrictions

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Eligibility for regulated affordable housing is based on income. “Low-income” is defined by the U.S. Department of Housing and Urban Development (HUD) based on the area median income, or AMI. HUD calculates AMI as the median, or middle, income for a household in your metropolitan area. Because HUD’s definition accounts for housing in the larger region, AMI is not defined within city boundaries. In the Detroit-Warren-Livonia metropolitan area, the AMI for a 2-person household in 2020 is $62,800. Regulated housing programs are designed to serve households based on certain income benchmarks relative to AMI. For a 2-person household:

low-income household: income of 80% AMI ($50,240) or less
very low-income household: income of 50% AMI ($31,400) or less
extremely low-income household: income of 30% AMI ($18,840) or less.

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