Income limits for housing authority programs in Massachusetts are not a single, fixed number but vary significantly based on the specific program, household size, and location within the state. These limits are typically set as a percentage of the Area Median Income (AMI) for a given region.
Understanding Income Limits for Housing in Massachusetts
Eligibility for various affordable housing programs in Massachusetts, including those managed by local housing authorities, is determined by a household's gross annual income compared to the Area Median Income (AMI). Different programs cater to different income tiers, often categorizing applicants by percentages of AMI such as 30%, 50%, or 80%.
While specific income limits (e.g., maximum annual household income) can vary, certain financial thresholds, such as maximum allowable rents or payment standards, are directly linked to these income limits and serve as a practical indicator of eligibility. These thresholds are often updated annually.
Key Financial Thresholds Related to Income Eligibility
The following table outlines relevant financial thresholds for various housing programs and standards in Massachusetts. These figures represent maximum rents or payment standards for specific bedroom sizes, which are derived from the income limits and Fair Market Rents (FMRs) applicable to different programs.
| Program/Standard | 1 Bedroom (Max. Rent/Payment) | 4 Bedroom (Max. Rent/Payment) |
|---|---|---|
| LIP/EOHLC 80% Rents | $2,605 | $3,517 |
| Masshousing 40B | $2,442 | $3,777 |
| FMR FY 2024 | $2,377 | $3,765 |
| TBRA Payment Standard | $2,377 | $3,765 |
Explanation of Terms:
- LIP/EOHLC 80% Rents: These refer to maximum rental amounts for units often associated with state-aided public housing or other programs overseen by the Executive Office of Housing and Livable Communities (EOHLC), targeting households with incomes at or below 80% of the Area Median Income.
- Masshousing 40B: This relates to the Chapter 40B affordable housing program in Massachusetts, which encourages the development of affordable housing. The figures represent maximum allowable rents for units developed under this chapter.
- FMR FY 2024 (Fair Market Rent Fiscal Year 2024): Fair Market Rents are determined by the U.S. Department of Housing and Urban Development (HUD) and are used to determine payment standards for various federal housing programs, including Section 8.
- TBRA Payment Standard (Tenant-Based Rental Assistance): These standards are used for tenant-based rental assistance programs, such as Section 8 Housing Choice Vouchers, to determine the maximum subsidy a tenant can receive for rent.
How to Determine Your Eligibility
To find the exact income limit for a specific housing authority or program relevant to your household, it is essential to:
- Identify the specific program: Is it a state-aided public housing program, a federal Section 8 program, a local affordable housing lottery, or a particular development (e.g., 40B)?
- Know your household size: Income limits typically increase with the number of people in a household.
- Determine your Area Median Income (AMI): AMI varies by county and metropolitan area. Your income will be compared to the AMI for your specific location.
- Contact the local housing authority or program administrator: They can provide the precise income limits for their programs, which are often updated annually.
