12 CFR § 1282.18 - Affordability—Income level definitions—family size not known (actual or prospective tenants).

---
identifier: "/us/cfr/t12/s1282.18"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1282.18 - Affordability—Income level definitions—family size not known (actual or prospective tenants)."
title_number: 12
title_name: "Banks and Banking"
section_number: "1282.18"
section_name: "Affordability—Income level definitions—family size not known (actual or prospective tenants)."
chapter_name: "FEDERAL HOUSING FINANCE AGENCY"
subchapter_number: "E"
subchapter_name: "HOUSING GOALS AND MISSION"
part_number: "1282"
part_name: "ENTERPRISE HOUSING GOALS AND MISSION"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 4501, 4502, 4511, 4513, 4526, 4561-4566."
regulatory_source: "75 FR 55930, Sept. 14, 2010, unless otherwise noted."
cfr_part: "1282"
---


# 1282.18 Affordability—Income level definitions—family size not known (actual or prospective tenants).

In determining whether a rental unit is affordable where family size is not known to the Enterprise, 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 (80%),* 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 low-income (60%),* 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 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 | 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). |  |

(e) *For extremely 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 | 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). |  |