THE HIGH COST OF HOUSING

N A T I O N A L L O W I N C O M E H O U S I N G C O A L I T I O N
 NLIHC STAFF
Xavier Arriaga Policy Analyst
Kyle Arbuckle Housing Advocacy Organizer
Andrew Aurand Vice President for Research
Victoria Bourret Housing Advocacy Organizer
Alayna Calabro Policy Analyst
Josephine Clarke Executive Assistant
Established in 1974 by Cushing N. Dolbeare, Dan Emmanuel Senior Research Analyst
the National Low Income Housing Coalition Ed Gramlich Senior Advisor
is dedicated solely to achieving socially Kim Johnson Housing Policy Analyst
just public policy that ensures people with Paul Kealey Chief Operating Officer
the lowest incomes in the United States Mike Koprowski National Campaign Director
Joseph Lindstrom Director for Field Organizing
have affordable and decent homes. NLIHC May Louis-Juste Communications Specialist
educates, organizes, and advocates to ensure Lisa Marlow Manager of Media Relations and Communications
decent, affordable housing for everyone. Khara Norris Director of Administration
Noah Patton Housing Policy Analyst
NLIHC provides up-to-date information, Ikra Rafi Creative Services Specialist
formulates policy, and educates the public on Catherine Reeves Development Coordinator
housing needs and the strategies for solutions. Sarah Saadian Vice President of Public Policy
Brooke Schipporeit Housing Advocacy Organizer
Permission to reprint portions of this report Daniel Threet Research Analyst
or the data therein is granted, provided Chantelle Wilkinson Housing Campaign Coordinator
appropriate credit is given to the National Low Renee Willis Vice President for Field and Communications
Income Housing Coalition. Additional copies Rebecca Yae Senior Research Analyst
of Out of Reach are available from NLIHC. Diane Yentel President and CEO

NLIHC BOARD OF DIRECTORS Russell “Rusty” Bennett | Birmingham, AL

Marla Newman, Chair | Winston-Salem, NC Loraine Brown | New York, NY
Additional Local Data Can Be Found Online at Dora Gallo, First Vice-Chair | Yanira Cortes | Toms River, NJ
www.nlihc.org/oor Los Angeles, CA
Bob Palmer, Second Vice Chair | Chicago, IL
Deidre “DeeDee” Gilmore |
Charlottesville, VA
Ann O'Hara, At-Large Executive Aaron Gornstein | Boston, MA
The Print / PDF version of Out of Reach Committee | Boston, MA Bambie Hayes-Brown | Atlanta, GA
contains limited data in an effort to present the Nan Roman, At-Large Executive Erhard Mahnke | Burlington, VT
most important information in a limited number Committee | Washington, DC Rachael Myers | Seattle, WA
Emma "Pinky" Clifford, Secretary | Karlo Ng | San Francisco, CA
of pages. Pine Ridge, SD Chrishelle Palay | Houston, TX
Moises Loza, Treasurer | Alexandria, VA Eric Price | Washington, DC
The Out of Reach methodology was developed Cathy Alderman | Denver, CO Shalonda Rivers | Opa-Locka, FL
by Cushing N. Dolbeare, founder of the Peggy Bailey | Washington, DC Michael Steele | New York, NY
National Low Income Housing Coalition. Dara Baldwin | Washington, DC Mindy Woods | Seattle, WA
 2020
ANDREW AURAND, PH.D., MSW
Vice President for Research
DAN EMMANUEL, MSW
Senior Research Analyst
DAN THREET, PH.D.
Research Analyst
IKRA RAFI
Creative Services Specialist
DIANE YENTEL, MSSW
President and CEO

Data for other states, metropolitan areas,

counties, and zip codes can be found at
http://nlihc.org/oor

Front Cover: Tents are pitched using social distancing to help slow the
spread of coronavirus disease (COVID-19) at a sanctioned homeless
encampment christened Safe Sleeping Village in a square next to
city hall in San Francisco, California, U.S. May 19, 2020. © REUTERS /
Dronebase Dronebase - stock.adobe.com

Design and Layout by Ikra Rafi, NLIHC Creative Services Specialist Copyright © 2020 by the National Low Income Housing Coalition
 TABLE OF CONTENTS
Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iii
STATE PAGES
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Alabama . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Rising Inequality, Low Wages, and the Widespread
Alaska . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Unaffordable Cost of Rental Housing . . . . . . . . . . . . . . . . . . . . . 4
Arizona . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Impact of COVID-19 Pandemic on Low-Wage Workers . . . . . . . . . . . . 6
Arkansas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Racial and Ethnic Housing Disparities . . . . . . . . . . . . . . . . . . . . . 7
California . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
The Systemic Shortage of Affordable Housing . . . . . . . . . . . . . . . . 8
Colorado . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Federal Policy to Secure Affordable Homes . . . . . . . . . . . . . . . . . . 9
Connecticut . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48
The Numbers in This Report . . . . . . . . . . . . . . . . . . . . . . . . . 11
Delaware . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52
References . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
District of Columbia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54

USER'S GUIDE Florida . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56

How to Use the Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Georgia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62

Where the Numbers Come From . . . . . . . . . . . . . . . . . . . . . . . 14 Hawaii . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71

Idaho . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73

TABLES AND MAPS Illinois . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77

2020 Two-Bedroom Rental Housing Wages . . . . . . . . . . . . . . . . . . 15 Indiana . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84

2020 Hours at Minimum Wage Needed to Iowa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90

Afford a One-Bedroom Rental Home
Kansas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 96
at Fair Market Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Kentucky . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102
Most Expensive Jurisdictions . . . . . . . . . . . . . . . . . . . . . . . . . 17
Lousiana . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 109
States Ranked by Two-Bedroom Housing Wage . . . . . . . . . . . . . . . 18
Maine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 114
State Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Maryland . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 118

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION i

Massachusetts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 121 Tennessee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 225

Michigan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 128 Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 231

Minnesota . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 134 Utah . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 244

Mississippi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 140 Vermont . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 247

Missouri . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145 Virginia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 250

Montana . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 152 Washington . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 258

Nebraska . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156 West Virginia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 262

Nevada . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 162 Wisconsin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 266

New Hampshire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 164 Wyoming . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 271

New Jersey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 168

New Mexico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 171 APPENDICES

New York . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 174 Appendix A: Local Minimum Wages . . . . . . . . . . . . . . . . . . . . 275

North Carolina . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 179 Appendix B: Data Notes,

Methodologies, and Sources . . . . . . . . . . . . . . . . . . . . . . . . 277
North Dakota . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 186
Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 281
Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 190

Oklahoma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196

Oregon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201

Pennsylvania . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 204

Puerto Rico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 209

Rhode Island . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 214

South Carolina . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 217

South Dakota . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 221

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ii

PREFACE
BY U.S. SENATOR SHERROD BROWN (D-OH)

F
or over 30 years, Out of Reach has been an We are still living with the legacy of redlining and racial
indispensable tool documenting the gap between covenants.The Fair Housing Act made these racist housing
renters’ incomes and the cost of housing. policies illegal over 50 years ago, but we still see their
effects today, and segregation and discrimination continue.
This vital work has never been more relevant.
Too often, your zip code still determines your access
The coronavirus pandemic has been the “great revealer,” laying to health care, education, and work opportunities.
bare the inequities in our society, and reminding us how our
After generations of our housing policy causing segregation and
homes affect every aspect of our lives, including our health.
inequality, we have an opportunity to make it part of the solution.
Right now, our efforts to ensure that everyone has a
First, we must make sure that we do not emerge from the current
safe, healthy home to weather the coronavirus storm are
crisis with greater racial and wealth inequality than we began
hampered by the fact that we already had a housing crisis
with. Congress must provide emergency rental and mortgage
in this country before this virus ever hit our shores.
assistance to prevent a wave of evictions and foreclosures that
As this year’s Out of Reach shows, the persistent gap between will set millions of people back and compound inequality.
renters’ incomes and the cost of housing continues. Many of
Next, we must close the gap between income and housing
our essential workers - grocery store employees, home health
by paying workers a living wage, and investing in affordable
aides, custodians at hospitals – have risked their lives during
housing, particularly for the lowest-income households.
the pandemic, but don’t get paid enough to afford housing.
Housing poverty and unaffordable rents leave too many of
Before the pandemic struck, a quarter of our families vulnerable to everyday emergencies like a broken
After generations of all renters - and 71 percent of extremely down car – let alone a natural disaster or global pandemic.
low-income renters - were paying over half The country must take action to preserve and create housing
our housing policy their incomes for housing, too often leaving affordable and accessible to everyone, and ensure that
causing segregation them one emergency away from eviction. all neighborhoods are neighborhoods of opportunity.

and inequality, we Now we’re seeing millions of people

all have those emergencies at once.
If we are to end systemic racism and inequality in our housing and
communities, and make the economy work better for everyone,
have an opportunity Our country is also in the midst of
we cannot shrink from these challenges. When work has dignity,
everyone can find and afford a place to call home. I look forward
to make it part of a long-overdue reckoning with the
systemic racism that permeates so
to working with NLIHC and others to make this a reality.
the solution. much in our society. The coronavirus Sincerely,
and racial justice are not separate
issues. Black and brown individuals are more likely to work
at essential jobs that put their health at risk, they are more
likely to be renters, and they have less wealth and income to
cushion the economic blow than their white counterparts. U.S. Senator Sherrod Brown (D-OH)

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION iii

INTRODUCTION
F
ew events in history highlight as clearly accounted for 12% of all households improvement, remains even higher at 17.6%.
as the coronavirus pandemic that (excluding inter-racial couples) but 43% of As millions of households are now dealing
housing is healthcare. Governments and overcrowded households; Asian households with declines in wages - either through layoffs,
health officials at all levels have told residents accounted for 4% of all households but furloughs, or decreased work hours - many
to stay home. Not everyone, unfortunately, 10% of overcrowded households; and more renters will struggle to afford their rents.
is stably housed in a safe and adequate American Indian or Alaska Native households
Multiple surveys have confirmed widespread
environment. Even before the pandemic, accounted for 0.5% of all households but
job losses among low-income households.
more than 211,000 people in the U.S. were 1% of overcrowded households. Such
The Federal Reserve’s May report on the
experiencing homelessness on sidewalks or disproportionate rates of homelessness
economic well-being of U.S. households
other unsheltered locations (HUD, 2020). They and overcrowding mean those groups are
found that 39% of people working in February
face a considerably higher risk of becoming less able to self-isolate when needed.
with household incomes below $40,000
ill, and they have nowhere to self-quarantine
The economic downturn spurred by the reported job losses in March (Board of
and recover if they do. Another 356,000
virus further increases the risk of housing Governors of the Federal Reserve, 2020).
people were experiencing homelessness
instability for millions of low-wage renters A survey conducted in early April by the
in emergency shelters, with limited ability
at a time when stable housing is vital. Prior Pew Research Center found that 52% of
to self-isolate. In addition, more than 2.7
to the pandemic, more than 7.7 million lower-income households reported a loss of
million renters were living in overcrowded
extremely low-income renters were spending employment or income due to the coronavirus
housing conditions, making social
more than half of their limited incomes on outbreak. That survey also found evidence
distancing from an ill housemate difficult.
housing costs, sacrificing other necessities of racial disparities in job and income loss:
As is true in almost every aspect of American to do so (NLIHC, 2020b). Millions of renters while 38% of white adults reported such a
life, the greatest risks are borne by people were one financial shock away from housing loss, 44% of Black adults and 61% of Latino
of color. Early research and reporting on instability, and for many the pandemic
COVID-19 shows people of color face greater and economic fallout is that shock.
mortality risks from the pandemic (Gross
U.S. workers filed nearly 28 million new claims
et al., 2020; Thebault, Tran, & Williams,
for unemployment insurance in just the first six The economic downturn
2020). Pre-existing structural injustices,
including unequal access to healthcare,
weeks of widespread shutdowns (Shierholz,
2020). The unemployment rate rose to 14.7%
spurred by the virus
greater exposure through low-wage and
frontline jobs, and limited housing options,
in April, the highest rate and the largest further increases the risk
contribute to these risks. Black Americans
one-month increase since the Bureau of
Labor Statistics started tracking monthly data
of housing instability
accounted for 13% of the U.S. population
in 2019 but 40% of all people experiencing
in 1948. While the national rate fell slightly for millions of low-wage
homelessness. People identifying as Hispanic
to 13.3% in May, unemployment did not
improve among Black Americans at 16.8% or
renters at a time when
or Latino were 18% of the overall population
but 22% of the population experiencing
among Asian Americans at 15% (Bureau of stable housing is vital.
Labor Statistics, 2020a). The unemployment
homelessness (HUD, 2020). Similar disparities
rate for Latino Americans, despite some
exist with overcrowding. Latino households
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 1
adults did (Parker, Horowitz, & Brown, 2020). The report’s Housing Wage is an estimate of (almost exactly two full-time jobs) to afford a
Some essential workers still on the job are the hourly wage full-time workers must earn one-bedroom rental home at the fair market
also struggling to make ends meet because to afford a rental home at HUD’s fair market rent. People who work 97 hours per week
their wages have never been sufficient. rent without spending more than 30% of their and need 8 hours per day of sleep have fewer
incomes. Fair market rents are estimates of than 2.5 hours per day left over for everything
Since 1989, NLIHC’s Out of Reach has called
what a family moving today can expect to pay else—commuting, cooking, cleaning, self-
attention to the gulf between actual wages
for a modestly priced rental home in a given care, caring for children and family, and
and what people need to earn to afford their
area. The kind of home that can be rented serving their community. Doing so is an
rents. Every year, the report documents that
for the fair market rent is in decent condition, impossibility for a single parent who needs a
an affordable rental home is out of reach for
but it is not luxury housing. THE 2020 larger-than-one-bedroom apartment. Even for
millions of low-wage workers and other low-
NATIONAL HOUSING WAGE IS $23.96/ a one-bedroom rental, it is unreasonable to
income families. This year’s report affirms
HR FOR A MODEST TWO-BEDROOM expect individuals to work 79 hours per week
that even before the massive economic
RENTAL HOME AND $19.56/HR FOR A to afford their housing. For people who can
downturn caused by the coronavirus, housing
MODEST ONE-BEDROOM RENTAL HOME. work, one full-time job should be enough.
costs outpaced what many workers could
afford. For decades, we have had a systemic The federal minimum wage of $7.25 per hour The struggle to afford rental housing is not
shortage of affordable housing for people falls well short of both the two-bedroom confined to minimum-wage workers. The
with the lowest incomes, which the COVID-19 and one-bedroom National Housing Wages. average renter’s hourly wage of $18.22 is
crisis is dramatically exacerbating. More than Because it does not keep pace with inflation, $5.74 less than the national two-bedroom
ever, bold policies are needed to address the federal minimum wage is worth nearly Housing Wage and $1.34 less than the one-
the unaffordability of housing in the U.S. 29% less than it was worth in 1968 (Cooper, bedroom Housing Wage. As a result, the
2019). Twenty-nine states, the District of average renter must work 53 hours per week
Columbia and a to afford a modest two-bedroom apartment.
handful of counties Some of the most important workers during
FIGURE 1: RENTS ARE OUT OF REACH FOR MANY RENTERS and municipalities the COVID-19 outbreak earn even less:
now have minimum grocery store cashiers earn a median wage
Rent Affordable to a
Individual Relying on SSI $235 wages higher of $11.61 per hour, while building cleaning
than the federal workers and home health and personal care
$377
Rent Affordable to a Household
with One Full-Time Worker
Earning the Federal Minimum Wage
minimum wage, aides earn $12.94. They would have to work
but even taking 83 and 74 hours per week, respectively, to
$503
Rent Affordable to Individual
with Average Unemployment
Insurance Benefit
these higher afford a modest two-bedroom apartment.
minimum wages Many single parents or caregivers would find it
Rent Affordable to Family of Four
with Income at Poverty Level $655 into account, the difficult if not impossible to work those hours.
average minimum
The average monthly fair market rent for a
Rent Affordable to Full-Time Worker
Earning the Average Renter Wage $948 wage worker must
one-bedroom or two-bedroom rental home
work nearly 97
is $1,017 or $1,246, respectively - much
2020 One-Bedroom FMR
$1,017 hours per week
higher than what many renters can afford
(more than two full-
(Figure 1). A family of four with poverty-
2020 Two-Bedroom FMR
$1,246 time jobs) to afford
level income in most areas of the U.S. can
a two-bedroom
Fair Market Rent = Fair Market Rent. afford a monthly rent of no more than $655,
rental home or 79
Source: NLIHC calculation of weighted-average HUD fair market rent. Affordable rents based on income and benefits data from
assuming they can manage to spend as much
BLS QCEW, 2018 adjusted to 2020 dollars; Center on Budget and Policy Priorities' Policy Basics: Unemployment Insurance,
2020; and Social Security Administration, 2020 maximum federal SSI benefit for individual. hours per week

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 2

 FIGURE 2: STATES WITH THE LARGEST SHORTFALL BETWEEN AVERAGE RENTER
WAGE AND TWO-BEDROOM HOUSING WAGE The massive wave of
HI MD CA NJ VT MA WA CT unemployment in 2020
underscores that access
to decent, stable
-$8.72 -$8.55 housing should not be
-$9.90 -$9.56
-$10.60
-$13.01
conditioned on one’s
-$13.78
wages or work status.

-$21.59
Source: Housing wages based on HUD fair market rents. Average renter wages based on BLS QCEW, 2018 adjusted to 2020 dollars.

as 30% of their income on housing. minimum wage would be able to afford have access to affordable housing
Many extremely low-income families a monthly rent of approximately $250. whether or not they are employed.
can afford far less. Individuals relying on
Housing is a basic human need and Significant investments are needed
Supplemental Security Income (SSI) can
should be regarded an unconditional to increase the supply of affordable
afford a monthly rent of only $235. For
human right. The massive wave of rental housing, preserve the existing
unemployed workers, Congress passed
unemployment in 2020 underscores that stock, and expand rental assistance to
a $600 per week supplement to their
access to decent, stable housing should all who need it. At its current funding
states’ unemployment insurance through
not be conditioned on one’s wages or levels, federal housing assistance is
the end of July, which will keep many
work status. The needs of the labor available to only one in four eligible
newly unemployed families housed.
market can change overnight, wages low-income households (Fischer &
Once that supplement ends, however,
set by the market do not necessarily Sard, 2017). Significant emergency
a household receiving the average
reflect many jobs’ societal value, and rental assistance is needed in the short
unemployment insurance benefit can
people can be out of the labor force run, to keep low-income renters stably
afford a rent of no more than $503 per
for many valid reasons not immediately housed during and after the pandemic.
month. Since unemployment insurance
obvious to others (e.g., due to invisible In the long run, a deep, sustained
is determined by an individual’s former
disabilities or caregiving responsibilities). commitment to the national Housing
wages, those who had been making
Low-wage workers should be able Trust Fund, Housing Choice Vouchers
the minimum wage receive even less.
to afford their housing, and we (HCVs), and public housing could make
On average, a laid-off full-time worker
as a nation should ensure people affordable rental housing for all a reality.
who had been earning the state

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 3

RISING INEQUALITY, LOW WAGES, AND
THE WIDESPREAD UNAFFORDABLE COST
OF RENTAL HOUSING
L
ow-wage workers have been struggling dampened nonmanagerial incomes and below the national one-bedroom Housing
to afford their housing for decades, reduced workers’ ability to participate in Wage. In 49 states, the District of Columbia,
regardless of the state of the economy. determining their working circumstances, and Puerto Rico, the average renter earns
Over the last 40 years, the labor market which influences how well they can negotiate less than the average two-bedroom Housing
in the United States has experienced job a work-life balance or take on multiple jobs Wage. (North Dakota is the sole exception.)
polarization—a decline of jobs in the middle (Rosenfeld, 2006; Anderson, 2017). One In 16 states, including California, Florida,
of the wage distribution and growth at the extreme example of this loss of control and New York, the average renter earns
extremes (Autor & Dorn, 2013; Tüzeman & is “just-in-time” scheduling: many hourly at least $5.00 less than the state’s average
Willis, 2013). Whether due to technological workers do not know when or how much two-bedroom Housing Wage. Figure 2
changes, outsourcing, international trade they will work each week, undermining shows the ten states with the largest gap
patterns, or the decline of unions, income their ability to make long-term plans and between the average renter’s wage and the
inequality has increased significantly. Between budgets (Lambert, Henly, & Kim, 2019). two-bedroom Housing Wage. In 21 states
1979 and 2018, real hourly wages grew and Puerto Rico, the average renter’s wage is
In no state, metropolitan area, or county in
1.6% for the lowest-wage (10th percentile lower than the one-bedroom Housing Wage.
the U.S. can a worker earning the federal or
of) workers, 6.1% for median-wage workers,
prevailing state or local minimum wage afford
and 37.6% for the highest-wage (90th
a modest two-bedroom rental home at fair
percentile of) workers (Congressional
market rent by working a standard 40-hour
Research Service, 2019). The real median
work week. In only 5% of all U.S. counties (144
gross rent, meanwhile, increased by
counties out of more than 3,000 nationwide,
approximately 37% between 1980 and 2018.
not including Puerto Rico) can a full-time Low-wage workers
For many low-wage workers, flat wage growth minimum-wage worker afford a one-bedroom
and other worsening workplace circumstances rental home at fair market rent. Forty-nine have been
make it more difficult for them to achieve
long-term economic stability, to save for future
local jurisdictions have minimum wages higher
than the federal or state minimum wage,
struggling to afford
needs, or to take on second jobs to help but these local minimum-wage ordinances their housing for
pay the bills. A rise of “fissured” workplaces,
where many roles are subcontracted out,
all fall short of the local one-bedroom and
two-bedroom Housing Wage (Appendix A).
decades, regardless
has meant low-wage workers experience
Even the average renter too often does not
of the state of
fewer opportunities for promotion, weaker
labor-standards enforcement, and less
earn enough to afford a modest rental home. the economy.
Nationally, the average renter’s hourly wage
job security (Weil, 2014; Bernhardt et al.,
is $18.22, which is $5.74 below the national
2016). The decline of organized labor has
two-bedroom Housing Wage and $1.34

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 4

FIGURE 3: HOURLY WAGES BY PERCENTILE VS. ONE AND
TWO-BEDROOM HOUSING WAGES
The income distribution in Figure 3, which
$30.00 includes all wage and salary workers, shows
that modest rental housing is out of reach
$28.45 for nearly every worker in the bottom half
$25.00 Two-Bedroom Housing Wage ($23.96)
of the wage distribution. A modest one-

One-Bedroom Housing Wage ($19.56)

$23.37 bedroom rental home is unaffordable to
more than 40% of wage earners. A modest
$20.00
$19.68 two-bedroom rental home is unaffordable
for more than 60% of wage earners.
$15.00 $17.01
$14.91 Twelve of the 20 largest occupations in the
United States pay a median hourly wage
$10.00
$12.53 that is less than what a full-time worker
$10.25 needs to earn to afford a modest apartment
at the national average fair market rent
$5.00 (Figure 4). The workers in these occupations
account for more than 38% of the total U.S.
workforce, excluding farmworkers. Roughly
$0.00
10th 20th 30th 40th 50th 60th 70th 16 million people work in retail sales or food
Percentile
Wage
Percentile
Wage
Percentile
Wage
Percentile
Wage
Percentile
Wage
Percentile
Wage
Percentile
Wage and beverage service, occupations whose
Source: Housing wages based on HUD fair market rents. The hourly wages by percentile from the Economic Policy Institute State of Working America Data Library 2019,
median wages are far less than what full-time
adjusted to 2020 dollars. workers need to afford a one-bedroom or
two-bedroom apartment. Home health aides,
FIGURE 4: TWELVE OF THE TWENTY LARGEST OCCUPATIONS IN THE personal care workers, and nursing assistants,
UNITED STATES PAY LESS THAN THE HOUSING WAGE occupations that are disproportionately Black
and Latino, earn a median wage just two-
Two-Bedroom Housing Wage $23.96 thirds of what a full-time worker needs for a
One-Bedroom Housing Wage $19.56 one-bedroom apartment. Other workers who
do not earn enough to afford rental housing
Secretaries and Administrative Assistants $19.55
are found in offices, performing administrative
Motor Vehicle Operators $18.90 support, data entry, and bookkeeping. Other
Financial Clerks $18.89 low-wage workers operate heavy machinery
Other Production Occupations $17.46 at construction sites, keep public transit
and the consumer-goods supply chains
Other Office and Administrative Support Workers $17.01
working, serve in doctors’ and dentists’
Information and Record Clerks $16.70 offices, and clean buildings and hotels.
Material Moving Workers $14.25
Building Cleaning and Pest Control Workers $13.04
A full-time white worker at the 60th percentile of the white- Twelve of the 20 largest occupations in the United
Homewage distribution
Health and Personal Care Aides; can
and afford
a two-bedroom rental home at fair States pay a median hourly wage that is less than
Nursing Assistants, Orderlies, and Psychiatric Aides $12.94
market rent, while a full-time black or Hispanic worker at the 60th what a full-time worker needs to earn to afford
Cooks and Food Preparation Workers $12.70
percentile of the black-wage or Hispanic-wage distribution cannot a modest apartment at the national average fair
afford a one-bedroom
Retail Sales Workers rental. $12.08 market rent.
Food and Beverage Serving Workers $11.24
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 5
Source: Occupational wages from May 2019 Occupational Employment Statistics, BLS, adjusted to 2020 dollars. Housing wages based on HUD fair market rents.
IMPACT OF COVID-19 PANDEMIC ON LOW-
WAGE WORKERS
C
OVID-19 has had an especially in these industries have incomes in the assistance, and 15% in retail (NLIHC, 2020d).
devastating impact on many of the bottom 20% of the U.S. wage distribution
Black and Latino workers were especially
workers in the lowest-paid fields. In (Bureau of Labor Statistics, 2020b).
hard hit: the unemployment rates for Black
the first five weeks of widespread closures,
Over 50% of the decline in jobs in April came and Latino workers were already higher than
between March 15 and April 18, 24.4 million
from three broad industries: accommodation the unemployment rate for white workers
people applied for unemployment insurance,
and food services, retail trade, and health care before the pandemic, and the racial disparity
and households with lower incomes were
and social assistance, all sectors with many increased further in April and May (Figure
likelier to report employment or income
low-wage jobs. Restaurants and bars in most 5). While the unemployment rate declined
loss related to the outbreak. The Bureau
states were closed or restricted to takeout for white workers in May, it did not improve
of Labor Statistics estimated that the job
and delivery, and retail stores faced a historic for Black workers. In March 2020, the Latino
sectors most directly exposed to COVID-19
drop in sales (U.S. Census Bureau, 2020). and Black unemployment rates were two
shutdowns were restaurants and bars,
Accommodation and food services include percentage points and 2.7 percentage points
travel and transportation, entertainment,
waitstaff, cooks, and housekeepers. The retail higher than the white unemployment rate.
personal service (e.g., daycare providers
trade sector includes salesclerks, cashiers, and By May, the unemployment rates for Latinos
and barbers), some retail (e.g., department
stockers, many of whom work for minimum and Blacks were 5.2 and 4.4 percentage
stores), and some manufacturing (e.g.,
wages. The health care and social assistance points higher. Part of this disparity may be
aircraft manufacturing). Those industries
sector includes home health care aides explained by the overrepresentation of Black
account for more than 20% of all workers,
and childcare workers. These same sectors and Latino workers in industries most severely
and they have a disproportionate number
account for the largest shares of working affected by the pandemic. Food preparation
of low-wage jobs. Over half of the jobs
extremely low-income renter households, and food service workers, hotel clerks,
who often struggle cashiers, childcare workers, and personal care
to pay their aides are all disproportionately Black and
FIGURE 5: UNEMPLOYMENT RATE BY RACE rent even when Latino (Bureau of Labor Statistics, 2020c).
times are good.
In a bitter irony, many who do not earn
17.6% Sixteen percent
enough to afford their basic needs were
of extremely low-
16.8% deemed essential workers during widespread
income renter
closures and stay-at-home orders, required
12.4% households in
6.7% to take on considerable danger to help
the labor force
6%
keep grocery stores open, food delivery and
were working in
transportation on schedule, and patients
4%
White Black Lano accommodation
attended to in long-term care facilities.
and food service,
Black workers are more likely to be found
16% in health
March 2020 April 2020 May 2020 in these frontline positions—they are
care and social
Source: U.S. Bureau of Labor Statistics, Employment Situation Summary, June 5, 2020. overrepresented in grocery, convenience

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 6

 RACIAL AND ETHNIC
HOUSING DISPARITIES
P
and drug stores; public transit; trucking, eople of color disproportionately face than Black and Latino workers at the bottom
warehouse, and postal service; building greater challenges in finding decent of their respective income distributions. A
cleaning services; health care; and social and affordable housing in the U.S., Black worker at the 20th percentile of Black
services (Rho, Brown, & Fremstad, 2020). and income inequality contributes to those wages earns 15% less than a white worker
challenges. Income inequality along racial at the 20th percentile of white wages. A
This unprecedented shock to the labor market
lines is the product of historical and ongoing Latino worker at the 20th percentile of
may have long-lasting consequences for
discrimination, economic exploitation, and Latino wages earns 9% less than the 20th
low-wage workers, especially if high rates of
unequal opportunities. Figure 6 compares percentile white worker. This disparity holds
joblessness last longer than the temporary
the hourly wage distributions of white, Black, across all income levels. The median Black
unemployment supplement provided by the
and Latino workers. For example, the 10th worker and Latino worker earns 24% and
CARES Act. Low-wage workers who were
percentile wage bars show what the lowest- 25% less than the median white worker.
unable to afford their rent prior to the crisis,
paid 10% of white, Black, and Latino workers
and who lack emergency savings, are dealing Unsurprisingly, Black and Latino workers
are paid. White workers at the bottom of
with even more hardship today. Even those face larger gaps between their wages and
the white income distribution earn more
low-wage workers who were lucky to be the cost of housing than white workers. The
temporarily furloughed rather than
laid off and those who are able to go
to work will still have considerable FIGURE 6: HOURLY WAGE PERCENTILES VS. ONE AND
difficulty paying off their past-due
bills and catching up with delayed TWO-BEDROOM HOUSING WAGES
rent payments, given that their $35.00

incomes were already insufficient

$30.00 White Black Latino $30.86
for their housing and other basic
necessities before the crisis. $25.00 Two-Bedroom Housing Wage ($23.96) $25.53

One-Bedroom Housing Wage ($19.56) $21.71 $22.16

$20.00 $20.84
People of color $18.45 $18.90 $18.29

disproportionately face $15.00 $15.73 $15.15 $14.69

$16.41 $16.18

$13.29
greater challenges in $10.00 $10.75 $11.30
$12.06
$13.17 $13.13

$9.78 $10.12
finding decent and
affordable housing in $5.00

the U.S., and income $0.00

10th 20th 30th 40th 50th 60th 70th
inequality contributes -$21.59
Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage

to those challenges. Source: Housing wages based on HUD fair market rents. The hourly wages by percentile from the Economic Policy Institute State of Working America Data Library 2019.
Adjusted to 2020 dollars.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 7

 THE SYSTEMIC SHORTAGE
OF AFFORDABLE HOUSING
R
median-wage, full-time white worker earns ecent catastrophic shocks to the wage workers can afford (Joint Center for
a wage adequate to afford a one-bedroom economy have multiplied and Housing Studies, 2020). Only 28% of renters
apartment at fair market rent, but the median- exacerbated the problems that low- in 2018 could afford this level of rent.
wage, full-time Black or Latino worker does wage workers face, but the shortage of
The argument is frequently made that new
not (Figure 6). At the 60th percentile, a full- affordable rental housing is a longstanding,
development will start a process by which
time white worker can afford a two-bedroom persistent feature of our society. The latest
housing will “filter down” to the lowest-
rental home at fair market rent. Meanwhile, data show that there are only 36 affordable
income renters, as older housing is vacated by
a full-time Black or Latino worker at the 60th and available rental homes for every 100
those with higher incomes. This filtering does
percentile-wage for their race or ethnicity renter households with extremely low
not provide enough housing for the lowest-
cannot afford even a one-bedroom rental. incomes (NLIHC, 2020b), and every state
income renters, though, because landlords
and nearly every county in the U.S. lacks
This income inequality partly explains why often do not have an incentive to maintain
an adequate supply (HUD, 2019). As a
44% of Black households and 42% of Latino housing at the rent levels that the lowest-
result, 86% of extremely low-income renters
households spend more than 30% of their income renters can afford. When the housing
cannot afford their rent, and 71% spend
incomes on housing, compared to 26% of market is strong, landlords have an incentive
more than half of their incomes on housing
white households (U.S. Census Bureau, 2019). to renovate their properties to capture
costs. Severely housing cost-burdened
The unaffordability of the rental market higher rents. In weak markets, they have an
households are forced to choose between
disproportionately harms Black and Latino incentive to find other uses of their property.
housing and other basic necessities, such
households in two ways. First, as seen in The number of low-cost homes with monthly
as food, health care, transportation, and
Figure 5, Black and Latino households earn rents below $800 (in constant 2017 dollars)
childcare. Most severely cost-burdened
less, which makes it more difficult to find declined by 4 million between 2011 and 2017,
households are renters with extremely low
housing affordable to them. Second, Black including 1 million units in 2017 alone (Joint
incomes. Though extremely low-income
and Latino households are more likely at all Center for Housing Studies, 2019). This rent
renter households account for only 25% of all
income levels to be renters. In 2018, 27% of level ($800) is affordable to households with
renters, they account for 72% of all severely
white households were renters, compared annual incomes less than $32,000 per year.
housing cost-burdened renter households.
with 55% of Latino households and 59% of
A systematic failure of markets to provide
Black households (U.S. Census Bureau, 2019). The private market fails to provide a sufficient
socially necessary goods is a compelling
Historical and ongoing discrimination has supply of affordable housing for the lowest-
reason for the government to intervene. In
limited opportunities for homeownership income renters. Most new rental housing in
the U.S., however, federal housing assistance
for many people of color, and they compete the private market is built for high-income
is grossly underfunded, reaching only one out
for an insufficient number of affordable renters, in order to turn a profit after paying
of every four eligible households (Fischer &
rental homes available on the market. high development costs. The median asking
Sard, 2017). The majority of HUD’s housing
rent in 2018 for a new apartment
The median-wage, full-time white worker earns a wage adequate assistance budget must go to renewing rental
to afford a one-bedroom apartment at fair market rent, but the
in a multifamily building was
contracts and already-committed vouchers,
median-wage, full-time Black or Latino worker does not. $1,670, far more than what low-

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 8

 FEDERAL POLICY TO SECURE
AFFORDABLE HOMES
W
leaving few resources for building e need significant these moratoriums are coming needed for low-income renters
more affordable housing or investment in our to an end. We need a uniform, who are struggling as a result
providing rental assistance federal rental housing national moratorium that would of shutdowns and layoffs. The
to additional households. programs to ensure that cover all renters. The “Health and HEROES Act includes $100 billion
everyone has a decent and Economic Recovery Omnibus for emergency rental assistance.
affordable home. Housing is a Emergency Solutions (HEROES)
In the long run, Congress should
basic necessity – an essential Act,” passed in the House of
create a permanent National
ingredient of individual Representatives, includes such
Housing Stabilization Fund to
and public health, stability, a moratorium that would cover
provide emergency assistance
and dignity. The COVID-19 most renters for twelve months.
to families who experience a
crisis has demonstrated the
Evictions moratoriums do not sudden and temporary shock
recklessness of letting people’s
relieve renters of accrued debt to their finances. Many low-
access to basic necessities
from missed rental payments. wage workers live one financial
like housing depend on the
Emergency rental assistance is emergency – like the sudden
Emergency rental contingencies of the economy.
needed to ensure renters can loss of income or unexpected
assistance is While the COVID-19 public afford to remain stably housed at medical expenses – away from
health crisis and explosive least until the economy begins to housing instability. Temporary
needed to ensure growth in unemployment has recover. The “Emergency Rental assistance would prevent
renters can triggered some immediate Assistance and Rental Market evictions, housing instability, and,
protections for some renters, Stabilization Act,” introduced by in the worse cases, homelessness
afford to remain far more must be accomplished Representative Maxine Waters (D- by helping households stay in
stably housed to secure emergency rental
assistance and to realize longer-
CA), Representative Denny Heck
(D-WA), and Senator Sherrod
their homes during and after
those unexpected events. The
at least until the term housing solutions. The Brown (D-OH), would provide “Eviction Crisis Act,” introduced
economy begins federal eviction moratoriums for
renters in federally-supported
states and local governments
with $100 billion in emergency
by Senators Michael Bennet (D-
CO) and Rob Portman (R-OH),
to recover. rental properties included rental assistance to help renters would create an Emergency
in the CARES Act and other with housing costs for up to 24 Assistance Fund for state and
state and local moratoriums months or with six months of back local governments to establish
are important protections for rent and late fees (NLIHC, 2020a). short-term financial assistance
renters during this crisis, but Multiple studies, including and housing stabilization services.
they provide a patchwork of analysis from NLIHC (2020d),
Addressing the roots of the
temporary protections that suggest that at least this amount
housing affordability problem,
exclude many renters. Many of in emergency rental assistance is

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 9

however, requires a significant and sustained commitment to during the current pandemic (e.g., investments in personal protective
rental housing programs that provide long-term rental assistance equipment, increased cleaning schedules and wellness checks)
to low-income renters, increase the affordable housing supply, and delayed repair schedules, capital repair needs may be even
and preserve the affordable rental homes that already exist. greater after COVID-19. The “Housing is Infrastructure Act of 2019,”
Long-term solutions should be targeted to serve those low- introduced by Representative Waters (D-CA), would invest more than
wage and low-income families with the greatest needs. $100 billion to address the capital needs of public housing, create
homes through the national HTF, and address the severe housing
Congress should fully fund the Housing Choice Voucher (HCV)
needs on tribal lands. An expansion of public housing could provide
program. Participants in the HCV program pay 30% of their adjusted
affordable homes to many households who currently do not receive
gross incomes toward housing costs in the private market, and the
any housing assistance. The Faircloth Amendment, which forbids
voucher covers the remaining costs up to the local housing authority’s
expanding public housing beyond its 1999 levels, should be repealed.
payment standard. Vouchers typically cost less than new construction,
The “Homes for All Act” introduced by Representative Ilhan Omar
making them an efficient option in markets where there is already
(D-MN), would repeal the Faircloth amendment and invest $1 trillion
an abundant supply of vacant, physically adequate housing. The
for 9.5 million new public housing apartments and 2.5 million deeply
“Pathway to Stable and Affordable Housing for All Act,” introduced
affordable rental homes. Both Representative Waters’s “Housing is
by Senators Mazie Hirono (D-HI), Kirsten Gillibrand (D-NY), and Cory
Infrastructure Act” and a repeal of the Faircloth amendment were
Booker (D-NJ), would fully fund Housing Choice Vouchers. Given that
included in the “Moving Forward Act” passed by the House.
many voucher-holders struggle to find voucher-accepting landlords, a
federal ban on discrimination against voucher-holders is also needed. We also need to ensure adequate funding to renew Project-Based
Rental Assistance (PBRA) contracts with private owners of subsidized
Congress should also expand the supply of affordable rental housing
rental housing. Tenants of PBRA housing contribute 30% of their
with significant increases in capital investments. A large investment
adjusted gross income towards rent, and HUD pays the rest.
in the national Housing Trust Fund (HTF) could create, preserve, or
Adequate appropriations for PBRA can protect these rental homes
rehabilitate rental housing for renters with extremely low incomes.
from being permanently lost from the affordable housing stock.
Currently funded by small mandatory contributions from Fannie Mae
and Freddie Mac, the national HTF is a block grant that gives states Tax reform could also help house the poorest renters. A deeply income-
flexibility in how they use the money, provided at least 90% is used targeted, fully refundable renters’ tax credit for housing cost-burdened
for rental housing and 75% of rental housing serves extremely low- renters would provide the difference between 30% of a renter’s
income households. One hundred percent of funds must benefit household income and their actual housing costs, up to a modest price.
extremely low-income households while the HTF is capitalized under The “Housing, Opportunity, Mobility, and Equity Act,” introduced
$1 billion per year. Members of the current Congress have introduced
multiple bills to expand the national HTF. These bills include the
“American Housing and Economic Mobility Act,” the “Ending
Homelessness Act,” the “Housing is Infrastructure Act,” the “Homes
for All Act,” the “Fulfilling the Promise of the Housing Trust Fund Act,”
and the “Pathway to Stable and Affordable Housing for All Act.” Addressing the roots of the housing
Significant capital investment should also be made in public housing, affordability problem, however, requires
which provides an affordable home and housing stability to some of
the nation’s poorest renters. Public housing is a critical component of a significant and sustained commitment
the U.S. housing infrastructure, but public housing authorities face a to rental housing programs.
backlog of capital repair needs of $70 billion (NLIHC, 2020c). Given
the unforeseen needs that public housing authorities have faced

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 10

 THE NUMBERS IN THIS
REPORT
O
by Senator Cory Booker (D-NJ), and the ut of Reach data are available for FMR is usually set at the 40th percentile of
“Rent Relief Act,” introduced by Senator every state, metropolitan area, and rents for typical homes occupied by recent
Kamala Harris (D-CA), provide a refundable county at www.nlihc.org/oor. We movers in an area. FMRs are often applied
tax credit to cost-burdened renters. encourage you to visit the site, click on uniformly within each FMR area, which is
your state, and select “more info” to see an either a metropolitan area or nonmetropolitan
The Low-Income Housing Tax Credit (LIHTC)
interactive page on which you can choose county. Therefore, the Housing Wage
program, the nation’s largest production
specific metropolitan areas or counties in does not reflect rent variations within a
subsidy for affordable housing, should be
your state. The final pages of this report metropolitan area or nonmetropolitan county.
reformed to better target the needs of
describe where the numbers come from and
extremely low-income households. A 50% HUD publishes Small Area FMRs based
how to use them, identify the most expensive
basis boost in tax credits for developments on U.S. Postal Service ZIP codes to better
jurisdictions, and provide state rankings.
that set aside at least 20% of their housing reflect small-scale market conditions within
for extremely low-income renters would help The Housing Wage varies considerably metropolitan areas. NLIHC calculated
redirect those credits where they are most across the country. The Housing Wage for a the Housing Wage for each ZIP code to
needed. The “Affordable Housing Tax Credit modest two-bedroom rental home in the San illustrate the variation in the Housing Wage
Improvement Act,” introduced by Senators Francisco metropolitan area, for example, within metropolitan areas. These wages can
Maria Cantwell (D-WA), Todd Young (R-IN), is $64.21/hr, far higher than the national be found online at www.nlihc.org/oor.
Ron Wyden (D-OR), and Johnny Isakson Housing Wage. On the other end of the price
Readers are cautioned against comparing
(R-GA) and Representatives Suzan DelBene spectrum, the two-bedroom Housing Wage
statistics in one edition of Out of Reach
(D-WA), Kenny Marchant (R-TX), Don Beyer is $11.77/hr in areas of Alabama. Even so,
with those in another. Over time, HUD has
(D-VA), and Jackie Walorski (R-IN), would many jurisdictions with lower-than-average
changed its methodology for calculating
provide such a basis boost and incentives to Housing Wages still suffer from a shortage of
FMRs and incomes. Since 2012, HUD has
build in rural communities and on tribal lands, affordable rental homes. Jurisdictions with a
developed FMR estimates using American
which have unique barriers to development. low Housing Wage tend to have less vibrant
Community Survey (ACS) data to determine
economies and lower-than-average household
Millions of households were already living base rents, and this methodology can
incomes, meaning a low Housing Wage is
with housing instability at the beginning introduce more year-to-year variability.
still out of reach for too many households.
of 2020, and millions of additional renters From time to time, an area’s FMRs are
now struggle to afford their rental housing The Housing Wage is based on HUD FMRs, based on local rent surveys rather than the
during the COVID-19 crisis. The enduring which are estimates of what a family moving ACS. For these reasons, not all differences
problem of housing unaffordability today can expect to pay for a modest rental between previous editions of Out of Reach
ultimately calls for fundamental structural home, not what all renters are currently and this year’s report reflect actual market
reform and the investments needed to paying. The FMR is the basis of the rent- dynamics. Please consult the appendices
ensure housing stability in the future. payment standard for Housing Choice and NLIHC research staff for assistance with
Vouchers and other HUD programs. The interpreting changes in the data over time.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 11

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nation's housing 2019. Cambridge, MA: Joint Center for Housing Studies. how much do they earn? Monthly Labor Review. Last accessed April 24.

Lambert, S. J., Henly, J. R., & Kim, J. (2019). Precarious work schedules as U.S. Bureau of Labor Statistics. (2020c). Labor force statistics from
a source of economic insecurity and institutional distrust. RSF: The Russell the Current Population Survey. Updated January 22, 2020.
Sage Foundation Journal of the Social Sciences 5(4): 218-57.
U.S. Census Bureau. (2019). American Community Survey
Livingston, G. (2018). The changing profile of unmarried Public Use Microdata Sample [Data file].
parents. Washington, DC: Pew Research Center.
U.S. Census Bureau. (2020). Advance monthly sales for retail and food services, March 2020.
Millett, G. A., Jones, A .T., Benkeser, D., Baral, S., Mercer, L., Beyrer, C.,
U.S. Department of Housing and Urban Development. (2019).
Honermann, B., Lankiewicz, E., Mena, L., Crowley, J. S., Sherwood, J., &
Consolidated Planning/CHAS data [Data file].
Sullivan, P. (2020). Assessing differential impacts of COVID-19 on Black
communities. Washington, DC: amfAR, Foundation for AIDS Research. U.S. Department of Housing and Urban Development. (2020). The 2019 annual homeless
assessment report to Congress, part 1: Point-in-time estimates of homelessness.
National Low Income Housing Coalition. (2020a). Emergency rental assistance: Ensuring
housing stability during the COVID-19 pandemic. Washington, DC: Author. Weil, D. (2014). The fissured workplace. Cambridge, MA: Harvard University Press.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 12

n User's Guide

HOW TO USE THE NUMBERS

Renter households
For a family earning 100% represented 36% of all
of AMI, monthly rent of households (2014-2018). The estimated mean
$2,008 or less is affordable.
(average) renter wage in
the United States is
A renter household needs There were 43,669,988
The annual median family $18.22 per hour (2020).
to earn at least $23.96 per renter households in the
income (AMI) in the United
hour in order to afford a two-
States is $80,320 (2020). United States (2014-2018).
bedroom home at FMR.

FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS
Full-time
Annual Full-time jobs Monthly Estimated jobs at
income at minimum Monthly rent hourly Rent mean renter
needed to wage3 needed rent affordable mean affordable wage needed
Hourly wage needed to 2 BR afford to afford Annual affordable 30% at 30% Renter % of total renter at mean to afford
afford 2 BR1 FMR2 FMR 2 BR FMR 2 BR FMR AMI4 at AMI5 of AMI of AMI households households wage renter wage 2 BR FMR

UNITED STATES $23.96 $1,246 $49,830 2.4 $80,320 $2,008 $24,096 $602 43,669,988 36% $18.22 $948 1.3

The FMR for a two-bedroom In the United States, a

rental home in the United family at 30% of AMI earns
States is $1,246 (2020). $24,096 annually.

A renter household needs an annual If a full-time worker earns

income of $49,830 in order to afford For a family earning 30% of
the mean renter wage,
a two-bedroom rental home at FMR. monthly rent of $948 or
AMI, monthly rent of $602
less is affordable.
or less is affordable.

On average, a renter household A renter household needs 1.3 full-time jobs

needs 2.4 full-time jobs paying the paying the mean renter wage in order to
minimum wage in order to afford a afford a two-bedroom rental home at FMR.
two-bedroom rental home at FMR.

1: BR = Bedroom. 4: AMI = Fiscal Year 2020 Area Median Income.

2: FMR = Fiscal Year 2020 Fair Market Rent. 5: Affordable rents represent the generally accepted standard of
spending no more than 30% of gross income on rent and utilities.
3: This calculation uses the higher of the county, state,
or federal minimum wage, where applicable.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 13

n User's Guide

WHERE THE NUMBERS COME FROM

Divide number of renter
Multiply Annual AMI by .3 to get households by total number of Average wage reported by
maximum amount that can be spent on households (ACS 2014-2018) the Bureau of Labor Statistics
housing for it to be affordable ($80,320 x (43,669,988 / 120,935,203 = (BLS) for 2018, adjusted to
.3 = $24,096). Divide by 12 to obtain .36). Then multiply by 100 (.36 reflect the income of renter
monthly amount ($24,096 / 12 = $2,008). x 100 = 36%). households relative to all
Divide income needed to
afford FMR ($49,830) by 52 households in the United
HUD FY20 estimated median States, and projected to 2020.
(weeks per year) and then by
family income based on data ACS (2014-2018). See Appendix B.
40 (hours per work week)
from the American Community
($49,830 / 52 = $958; $958 /
Survey (ACS). See Appendix B.
40 = $23.96).

FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS
Full-time
Annual Full-time jobs Monthly Estimated Monthly jobs at
income at minimum Monthly rent hourly rent mean renter
needed to wage 3 needed rent affordable mean affordable wage needed
Hourly wage needed to 2 BR afford to afford Annual affordable 30% at 30% Renter % of total renter at mean to afford
afford 2 BR1 FMR2 FMR 2 BR FMR 2 BR FMR AMI4 at AMI5 of AMI of AMI households households wage renter wage 2 BR FMR

UNITED STATES $23.96 $1,246 $49,830 2.4 $80,320 $2,008 $24,096 $602 43,669,988 36% $18.22 $948 1.3

Multiply Annual AMI by .3 Calculate annual income by multiply-

Developed by HUD annually ($80,320 x .3 = $24,096). ing mean renter wage by 40 (hours per
(2020). See Appendix B.
week) and 52 (weeks per year)
($18.22374 x 40 x 52 = $37,905.38).
Multiply the FMR by 12 to get yearly rental cost Multiply by .3 to determine maximum
($1,245.75 x 12 = $14,949). Then divide by .3 to Multiply 30% of Annual AMI by .3 to amount that can be spent on rent
determine the total income needed to afford get maximum amount that can be ($37,905.38 x .3 = $11,371.61). Divide
$14,949 per year in rent ($14,949 / .3 = $49,830). spent on housing for it to be afford- by 12 to obtain monthly amount
able ($24,096 x .3 = $7,228.80). Divide ($11,371.61 / 12 = $948).
National average of jobs needed by 12 to obtain monthly amount
across all counties, weighted by ($7,228.80 / 12 = $602.40).
number of renter households. To find
jobs needed in a particular state, Divide income needed to afford the FMR by
metro, or county, divide annual 52 (weeks per year) ($49,830 / 52 = $958).
income needed to afford the FMR by Then divide by $18.22 (the United States'
52 (weeks per year). Then divide by mean renter wage) ($958 / $18.22 = 53
the prevailing minimum wage. Then hours). Finally, divide by 40 (hours per work
divide by 40 (hours per work week). week) (53 / 40 = 1.3 full-time jobs).

1: BR = Bedroom. 4: AMI = Fiscal Year 2020 Area Median Income.

2: FMR = Fiscal Year 2020 Fair Market Rent. 5: Affordable rents represent the generally accepted standard of
spending no more than 30% of gross income on rent and utilities.
3: This calculation uses the higher of the county, state,
or federal minimum wage, where applicable.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 14

n TABLES & MAPS

2020 TWO-BEDROOM RENTAL HOUSING WAGES

Represents the hourly wage that a full-time worker must earn (working 40 hours a week, 52 weeks a year) in order to afford the Fair Market Rent
for a TWO-BEDROOM RENTAL HOME, without paying more than 30% of income.

WA
$30.46
ME
MT ND $19.79
$16.88 $16.18 MN
OR $20.53
$24.37 VT $23.36
ID WI NY NH $23.43
SD
$16.59 $17.27 $32.53 MA $35.52
WY $15.24 MI CT $26.42
$17.15 $17.42 RI $21.16
IA PA
NE $15.46 $19.23
NV $16.27 OH NJ $29.69
$20.48 IL IN $15.99 DE $21.96
UT $21.30 $16.32
CO MD $28.06
$19.83 WV VA DC $32.83
CA $26.45 KS $14.97
MO $23.64
$36.96 $16.43 KY
$16.07
$14.99
NC
TN $17.67
AZ OK $17.09
$21.10 NM $15.93 AR
SC
$16.37 $14.19
$17.30
MS AL GA
$14.89 $15.44 $19.11
TX
$20.90 LA
AK $17.48
$25.07
FL
$24.43

HI Two-Bedroom Housing Wage

$38.76 PR $9.36
Less than $17.00
$17.00 to less than $23.00
$23.00 or More
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 15
n TABLES & MAPS

2020 HOURS AT MINIMUM WAGE NEEDED TO AFFORD A

ONE-BEDROOM RENTAL HOME AT FAIR MARKET RENT
*Note: New England states are displayed with HUD Fair Market Rent Areas. All other states are displayed at the county level. This map does not account for the 37 sub-county
jurisdictions with minimum wages higher than the prevailing county, state, or federal minimum wage. None of these local minimum wages are sufficient to afford a one-bedroom
rental home at the Fair Market Rent with a 40 hour work week. The geographic variation of Oregon and New York's state minimum wages are reflected at the county level.

Hours at minimum wage

40 hours per week or fewer
41 to 50 hours per week
51 to 60 hours per week
61 to 80 hours per week
More than 80 hours per week

2020 | NATIONAL LOW INCOME HOUSING COALITION

OUT OF REACH 2019 16
n TABLES & MAPS

MOST EXPENSIVE JURISDICTIONS

Housing Wage for Housing Wage for
Metropolitan Areas Metropolitan Counties2
Two-Bedroom FMR1 Two-Bedroom FMR
3
San Francisco, CA HMFA $64.21 Marin County, CA $64.21
San Jose-Sunnyvale-Santa Clara, CA HMFA $57.12 San Francisco County, CA $64.21
Santa Cruz-Watsonville, CA MSA4 $48.44 San Mateo County, CA $64.21
Santa Maria-Santa Barbara, CA MSA $44.69 Santa Clara County, CA $57.12
Boston-Cambridge-Quincy, MA HMFA $44.44 Santa Cruz County, CA $48.44
Oakland-Fremont, CA HMFA $43.06 Santa Barbara County, CA $44.69
Santa Ana-Anaheim-Irvine, CA HMFA $42.62 Alameda County, CA $43.06
Honolulu, HI MSA $41.54 Contra Costa County, CA $43.06
Seattle-Bellevue, WA HMFA $40.37 Orange County, CA $42.62
Stamford-Norwalk, CT HMFA $39.98 Honolulu County, HI $41.54
Housing Wage for Nonmetropolitan Counties Housing Wage for
State Nonmetropolitan Areas (Combined)
Two-Bedroom FMR (or County-Equivalents) Two-Bedroom FMR
Hawaii $29.81 Kauai County, HI $36.17
Alaska $26.11 Aleutians West Census Area, AK $33.75
Massachusetts $23.69 Dukes County, MA $33.23
Connecticut $22.69 Monroe County, FL $33.23
California $20.00 Nantucket County, MA $33.06
New Hampshire $19.90 Bethel Census Area, AK $32.46
Vermont $19.00 Nome Census Area, AK $32.40
Maryland $18.91 Pitkin County, CO $30.37
Washington $18.34 Denali Borough, AK $29.60
Colorado $18.25 North Slope Borough, AK $28.50
Juneau City and Borough, AK $28.50

1 FMR = Fair Market Rent.

2 Excludes metropolitan counties in New England.
3 HMFA = HUD Metro FMR Area. This term indicates that a portion of an Office of Management & Budget (OMB)-defined core-based statistical area (CBSA) is in the area to which the FMRs apply. HUD is
required by OMB to alter the names of the metropolitan geographic entities it derives from CBSAs when the geographies are not the same as that established by the OMB.
OUTMSA
4 OF= REACH 2020
Metropolitan | NATIONAL
Statistical LOWentities
Area. Geographic INCOME HOUSING
defined by OMB forCOALITION
use by the federal statistical agencies in collecting, tabulating, and publishing federal statistics. 17
n TABLES & MAPS

STATES RANKED BY TWO-BEDROOM HOUSING WAGE

States are ranked from most expensive to least expensive.
Housing Wage for Housing Wage for
Rank1 State Rank1 State
Two-Bedroom FMR2 Two-Bedroom FMR2
1 Hawaii $38.76 28 North Carolina $17.67
2 California $36.96 29 Louisiana $17.48
3 Massachusetts $35.52 30 Michigan $17.42
5 New York $32.53 31 South Carolina $17.30
6 Washington $30.46 32 Wisconsin $17.27
7 New Jersey $29.69 33 Wyoming $17.15
8 Maryland $28.06 34 Tennessee $17.09
9 Colorado $26.45 35 Montana $16.88
10 Connecticut $26.42 36 Idaho $16.59
11 Alaska $25.07 37 Kansas $16.43
12 Florida $24.43 38 New Mexico $16.37
13 Oregon $24.37 39 Indiana $16.32
14 Virginia $23.64 40 Nebraska $16.27
15 New Hampshire $23.43 41 North Dakota $16.18
16 Vermont $23.36 42 Missouri $16.07
17 Delaware $21.96 43 Ohio $15.99
18 Illinois $21.30 44 Oklahoma $15.93
19 Rhode Island $21.16 45 Iowa $15.46
20 Arizona $21.10 46 Alabama $15.44
21 Texas $20.90 47 South Dakota $15.24
22 Minnesota $20.53 48 Kentucky $14.99
23 Nevada $20.48 49 West Virginia $14.97
24 Utah $19.83 50 Mississippi $14.89
25 Maine $19.79 51 Arkansas $14.19
26 Pennsylvania $19.23 OTHER
27 Georgia $19.11 4 District of Columbia $32.83
52 Puerto Rico $9.36
1 Includes District of Columbia and Puerto Rico.
2 FMR = Fair Market Rent.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 18

n TABLES & MAPS

STATE SUMMARY
FY20
HOUSING HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS
WAGE
Annual income Full-time jobs at Monthly Estimated Monthly rent Full-time jobs at
Hourly wage needed to minimum wage3 rent Monthly rent Renter % of total hourly mean affordable at mean renter wage
needed to afford Afford needed to affordable affordable at households households renter wage mean renter needed to afford
State 2 BR1 FMR2 2 BR FMR 2 BR FMR afford 2 BR FMR Annual AMI4 at AMI5 30% of AMI 30% AMI (2014-2018) (2014-2018) (2020) wage 2 BR FMR
Alabama $15.44 $803 $32,110 2.1 $66,123 $1,653 $19,837 $496 585,046 31% $13.30 $692 1.2
Alaska $25.07 $1,304 $52,147 2.5 $92,899 $2,322 $27,870 $697 91,290 36% $19.55 $1,017 1.3
Arizona $21.10 $1,097 $43,892 1.8 $72,954 $1,824 $21,886 $547 918,235 36% $17.46 $908 1.2
Arkansas $14.19 $738 $29,514 1.4 $61,408 $1,535 $18,422 $461 395,744 34% $13.92 $724 1.0
California $36.96 $1,922 $76,879 2.8 $90,909 $2,273 $27,273 $682 5,880,000 45% $23.96 $1,246 1.5
Colorado $26.45 $1,375 $55,016 2.2 $91,959 $2,299 $27,588 $690 742,242 35% $19.49 $1,013 1.4
Connecticut $26.42 $1,374 $54,956 2.4 $101,816 $2,545 $30,545 $764 460,240 34% $17.70 $921 1.5
Delaware $21.96 $1,142 $45,669 2.4 $86,342 $2,159 $25,903 $648 103,457 29% $17.83 $927 1.2
Florida $24.43 $1,270 $50,807 2.9 $68,669 $1,717 $20,601 $515 2,667,159 35% $17.28 $898 1.4
Georgia $19.11 $994 $39,758 2.6 $72,224 $1,806 $21,667 $542 1,369,507 37% $17.51 $911 1.1
Hawaii $38.76 $2,015 $80,613 3.8 $97,168 $2,429 $29,151 $729 190,420 42% $17.17 $893 2.3
Idaho $16.59 $863 $34,511 2.3 $68,372 $1,709 $20,511 $513 190,031 31% $13.26 $689 1.3
Illinois $21.30 $1,108 $44,310 2.1 $85,252 $2,131 $25,576 $639 1,641,003 34% $18.00 $936 1.2
Indiana $16.32 $848 $33,940 2.3 $72,950 $1,824 $21,885 $547 793,086 31% $14.44 $751 1.1
Iowa $15.46 $804 $32,151 2.1 $79,229 $1,981 $23,769 $594 362,703 29% $13.43 $698 1.2
Kansas $16.43 $855 $34,185 2.3 $74,642 $1,866 $22,393 $560 378,704 34% $14.21 $739 1.2
Kentucky $14.99 $780 $31,183 2.1 $66,539 $1,663 $19,962 $499 571,050 33% $13.79 $717 1.1
Louisiana $17.48 $909 $36,356 2.4 $64,793 $1,620 $19,438 $486 602,937 35% $14.64 $761 1.2
Maine $19.79 $1,029 $41,156 1.6 $76,811 $1,920 $23,043 $576 154,809 28% $12.34 $642 1.6
Maryland $28.06 $1,459 $58,366 2.6 $109,357 $2,734 $32,807 $820 728,577 33% $18.16 $944 1.5
Massachusetts $35.52 $1,847 $73,890 2.8 $105,892 $2,647 $31,768 $794 968,213 38% $21.74 $1,131 1.6
Michigan $17.42 $906 $36,227 1.8 $74,703 $1,868 $22,411 $560 1,132,395 29% $15.38 $800 1.1
Minnesota $20.53 $1,068 $42,705 2.1 $92,812 $2,320 $27,844 $696 616,511 28% $16.06 $835 1.3
Mississippi $14.89 $774 $30,977 2.1 $57,678 $1,442 $17,303 $433 351,558 32% $12.10 $629 1.2
Missouri $16.07 $836 $33,424 1.7 $73,483 $1,837 $22,045 $551 794,426 33% $15.28 $794 1.1
Montana $1,828 $21,931 $35,112 2.0 $73,104 $1,828 $21,931 $548 136,687 32% $13.15 $684 1.3
Nebraska $1,968 $23,622 $33,838 1.8 $78,740 $1,968 $23,622 $591 255,496 34% $13.70 $712 1.2
1 BR = Bedroom. 4 AMI = Fiscal Year 2020 Area Median Income
2 FMR = Fiscal Year 2020 Fair Market Rent. 5 Affordable rents represent the generally accepted standard of spending
3 This calculation uses the higher of the state or federal minimum wage. no more than 30% of gross income on rent and utilities.
Local minimum wages are not used. See Appendix B.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 19

n TABLES & MAPS

STATE SUMMARY
FY20
HOUSING HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS
WAGE
Annual income Full-time jobs at Monthly Estimated Monthly rent Full-time jobs at
Hourly wage needed to minimum wage3 rent Monthly rent Renter % of total hourly mean affordable at mean renter wage
needed to afford Afford needed to affordable affordable at households households renter wage mean renter needed to afford
State 2 BR1 FMR2 2 BR FMR 2 BR FMR afford 2 BR FMR Annual AMI4 at AMI5 30% of AMI 30% AMI (2014-2018) (2014-2018) (2020) wage 2 BR FMR
Nevada $20.48 $1,065 $42,592 2.3 $72,497 $1,812 $21,749 $544 475,410 44% $17.42 $906 1.2
New Hampshire $23.43 $1,218 $48,726 3.2 $94,756 $2,369 $28,427 $711 153,320 29% $15.83 $823 1.5
New Jersey $29.69 $1,544 $61,762 2.7 $102,843 $2,571 $30,853 $771 1,158,949 36% $19.10 $993 1.6
New Mexico $16.37 $851 $34,047 1.8 $62,865 $1,572 $18,859 $471 251,409 32% $13.99 $728 1.2
New York $32.53 $1,691 $67,653 2.8 $87,886 $2,197 $26,366 $659 3,373,181 46% $25.68 $1,335 1.3
North Carolina $17.67 $919 $36,751 2.4 $71,385 $1,785 $21,415 $535 1,369,892 35% $15.92 $828 1.1
North Dakota $16.18 $841 $33,647 2.2 $88,698 $2,217 $26,610 $665 117,556 37% $17.12 $890 0.9
Ohio $15.99 $832 $33,267 1.8 $74,544 $1,864 $22,363 $559 1,582,848 34% $14.42 $750 1.1
Oklahoma $15.93 $828 $33,132 2.2 $66,385 $1,660 $19,916 $498 507,582 34% $15.12 $786 1.1
Oregon $24.37 $1,267 $50,687 2.0 $78,661 $1,967 $23,598 $590 606,312 38% $16.78 $872 1.5
Pennsylvania $19.23 $1,000 $39,992 2.7 $82,696 $2,067 $24,809 $620 1,557,665 31% $15.90 $827 1.2
Rhode Island $21.16 $1,101 $44,023 2.0 $87,969 $2,199 $26,391 $660 163,320 40% $14.21 $739 1.5
South Carolina $17.30 $900 $35,984 2.4 $67,964 $1,699 $20,389 $510 589,362 31% $13.52 $703 1.3
South Dakota $15.24 $793 $31,701 1.6 $76,055 $1,901 $22,817 $570 108,929 32% $12.52 $651 1.2
Tennessee $17.09 $889 $35,550 2.4 $67,463 $1,687 $20,239 $506 865,902 34% $15.82 $823 1.1
Texas $20.90 $1,087 $43,478 2.9 $75,592 $1,890 $22,678 $567 3,635,275 38% $19.56 $1,017 1.1
Utah $19.83 $1,031 $41,251 2.7 $82,685 $2,067 $24,805 $620 288,634 30% $14.94 $777 1.3
Vermont $23.36 $1,215 $48,597 2.1 $78,736 $1,968 $23,621 $591 76,019 29% $13.81 $718 1.7
Virginia $23.64 $1,229 $49,167 3.3 $93,280 $2,332 $27,984 $700 1,057,536 34% $18.67 $971 1.3
Washington $30.46 $1,584 $63,352 2.3 $93,484 $2,337 $28,045 $701 1,043,871 37% $21.90 $1,139 1.4
West Virginia $14.97 $778 $31,135 1.7 $61,519 $1,538 $18,456 $461 198,796 27% $13.03 $678 1.1
Wisconsin $17.27 $898 $35,913 2.4 $80,442 $2,011 $24,133 $603 775,089 33% $14.32 $744 1.2
Wyoming $17.15 $892 $35,663 2.4 $80,329 $2,008 $24,099 $602 70,509 31% $15.15 $788 1.1
OTHER
District of
$32.83 $1,707 $68,280 2.2 $126,000 $3,150 $37,800 $945 163,751 58% $29.20 $1,518 1.1
Columbia
Puerto Rico $9.36 $487 $19,473 1.3 $25,255 $631 $7,576 $189 384,670 32% $7.73 $402 1.2
1 BR = Bedroom. 4 AMI = Fiscal Year 2020 Area Median Income
2 FMR = Fiscal Year 2020 Fair Market Rent. 5 Affordable rents represent the generally accepted standard of spending
3 This calculation uses the higher of the state or federal minimum wage. no more than 30% of gross income on rent and utilities.
Local minimum wages are not used. See Appendix B.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 20

STATE PAGES
 ALABAMA #46* STATE
RANKING

In Alabama, the Fair Market Rent (FMR) for a two-bedroom apartment is

$803. In order to afford this level of rent and utilities — without paying more $15.44
than 30% of income on housing — a household must earn $2,676 monthly or PER HOUR
$32,110 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ALABAMA:

STATE FACTS 85
Work Hours Per Week At
71
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.30
2-Bedroom Housing Wage $15.44
2.1 1.8
Number of Renter Households 585,046 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE
Two bedroom FMR $803
One bedroom FMR $665
Birmingham-Hoover HMFA $18.96 Rent affordable at area $1653
median income (AMI)
Daphne-Fairhope-Foley MSA $17.62 Rent affordable with full-time job paying $692
mean renter wage

Tuscaloosa HMFA $17.02 Rent affordable at 30% of AMI $496

Mobile MSA $16.81

Rent affordable with full-time job
paying minimum wage
$377
$235
$15.96
Rent affordable to SSI recipient
Montgomery MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-22
 FY20 HOUSING AREA MEDIAN
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2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Alabama $15.44 $803 $32,110 2.1 $66,123 $1,653 $19,837 $496 585,046 31% $13.30 $692 1.2
Combined Nonmetro Areas $12.09 $629 $25,141 1.7 $52,138 $1,303 $15,641 $391 128,796 29% $11.24 $585 1.1

Metropolitan Areas
Anniston-Oxford-Jacksonville MSA $13.46 $700 $28,000 1.9 $61,500 $1,538 $18,450 $461 13,747 31% $10.47 $545 1.3
Auburn-Opelika MSA $15.60 $811 $32,440 2.2 $76,500 $1,913 $22,950 $574 23,552 40% $9.35 $486 1.7
Birmingham-Hoover HMFA $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 125,871 32% $16.44 $855 1.2
Chilton County HMFA $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 4,213 25% $11.67 $607 1.2
Columbus MSA $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 9,139 40% $13.37 $695 1.1
Daphne-Fairhope-Foley MSA $17.62 $916 $36,640 2.4 $81,000 $2,025 $24,300 $608 20,741 26% $11.95 $622 1.5
Decatur MSA $13.21 $687 $27,480 1.8 $63,600 $1,590 $19,080 $477 15,396 26% $12.33 $641 1.1
Dothan HMFA $12.81 $666 $26,640 1.8 $61,300 $1,533 $18,390 $460 16,571 33% $12.81 $666 1.0
Florence-Muscle Shoals MSA $13.73 $714 $28,560 1.9 $64,200 $1,605 $19,260 $482 18,088 30% $10.39 $540 1.3
Gadsden MSA $13.33 $693 $27,720 1.8 $65,000 $1,625 $19,500 $488 10,895 28% $10.31 $536 1.3
Henry County HMFA $11.77 $612 $24,480 1.6 $59,700 $1,493 $17,910 $448 1,147 17% $13.04 $678 0.9
Huntsville MSA $15.04 $782 $31,280 2.1 $85,300 $2,133 $25,590 $640 54,668 31% $14.28 $743 1.1
Mobile MSA $16.81 $874 $34,960 2.3 $61,400 $1,535 $18,420 $461 54,711 35% $13.76 $716 1.2
Montgomery MSA $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 51,274 36% $12.81 $666 1.2
Pickens County HMFA $11.77 $612 $24,480 1.6 $53,900 $1,348 $16,170 $404 1,961 26% $8.80 $458 1.3
Tuscaloosa HMFA $17.02 $885 $35,400 2.3 $67,800 $1,695 $20,340 $509 28,285 36% $11.80 $614 1.4
Walker County HMFA $14.44 $751 $30,040 2.0 $64,100 $1,603 $19,230 $481 5,991 24% $9.93 $516 1.5

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-23

 FY20 HOUSING AREA MEDIAN
Alab ama WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Alabama Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Counties
Autauga County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 5,301 25% $11.44 $595 1.4
Baldwin County $17.62 $916 $36,640 2.4 $81,000 $2,025 $24,300 $608 20,741 26% $11.95 $622 1.5
Barbour County $12.17 $633 $25,320 1.7 $43,800 $1,095 $13,140 $329 3,546 39% $10.47 $544 1.2
Bibb County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 1,705 25% $11.60 $603 1.6
Blount County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 4,403 21% $9.70 $504 2.0
Bullock County $11.77 $612 $24,480 1.6 $42,900 $1,073 $12,870 $322 883 24% $5.24 $272 2.2
Butler County $11.77 $612 $24,480 1.6 $45,800 $1,145 $13,740 $344 2,016 30% $10.25 $533 1.1
Calhoun County $13.46 $700 $28,000 1.9 $61,500 $1,538 $18,450 $461 13,747 31% $10.47 $545 1.3
Chambers County $13.13 $683 $27,320 1.8 $51,900 $1,298 $15,570 $389 4,357 32% $13.63 $709 1.0
Cherokee County $11.77 $612 $24,480 1.6 $53,400 $1,335 $16,020 $401 2,232 21% $9.27 $482 1.3
Chilton County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 4,213 25% $11.67 $607 1.2
Choctaw County $11.88 $618 $24,720 1.6 $48,500 $1,213 $14,550 $364 1,087 20% $12.23 $636 1.0
Clarke County $11.77 $612 $24,480 1.6 $53,700 $1,343 $16,110 $403 3,044 33% $10.50 $546 1.1
Clay County $11.77 $612 $24,480 1.6 $50,100 $1,253 $15,030 $376 1,447 28% $12.70 $660 0.9
Cleburne County $11.77 $612 $24,480 1.6 $54,100 $1,353 $16,230 $406 1,394 24% $13.75 $715 0.9
Coffee County $12.79 $665 $26,600 1.8 $66,900 $1,673 $20,070 $502 6,967 35% $10.51 $546 1.2
Colbert County $13.73 $714 $28,560 1.9 $64,200 $1,605 $19,260 $482 5,950 27% $11.43 $594 1.2
Conecuh County $11.77 $612 $24,480 1.6 $40,000 $1,000 $12,000 $300 1,070 23% $10.25 $533 1.1
Coosa County $12.73 $662 $26,480 1.8 $49,100 $1,228 $14,730 $368 739 18% $13.03 $678 1.0
Covington County $11.77 $612 $24,480 1.6 $54,800 $1,370 $16,440 $411 3,898 26% $10.65 $554 1.1
Crenshaw County $11.77 $612 $24,480 1.6 $55,600 $1,390 $16,680 $417 1,316 26% $10.42 $542 1.1
Cullman County $12.40 $645 $25,800 1.7 $59,700 $1,493 $17,910 $448 7,811 25% $11.29 $587 1.1
Dale County $11.77 $612 $24,480 1.6 $57,500 $1,438 $17,250 $431 7,431 40% $17.73 $922 0.7
Dallas County $11.88 $618 $24,720 1.6 $40,600 $1,015 $12,180 $305 6,569 40% $11.49 $598 1.0
DeKalb County $11.77 $612 $24,480 1.6 $51,000 $1,275 $15,300 $383 7,528 29% $11.44 $595 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-24

 FY20 HOUSING AREA MEDIAN
Alab ama WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Alabama Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F ull-jobs
Ann ualincome time atjobs a t Montly
re n t rent E smean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le meneeded
an re n tetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
n ua4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e n te r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Elmore County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 7,663 26% $9.67 $503 1.6
Escambia County $11.77 $612 $24,480 1.6 $47,400 $1,185 $14,220 $356 4,191 31% $12.43 $646 0.9
Etowah County $13.33 $693 $27,720 1.8 $65,000 $1,625 $19,500 $488 10,895 28% $10.31 $536 1.3
Fayette County $11.77 $612 $24,480 1.6 $49,900 $1,248 $14,970 $374 1,535 22% $9.63 $501 1.2
Franklin County $11.77 $612 $24,480 1.6 $49,300 $1,233 $14,790 $370 3,300 29% $12.68 $659 0.9
Geneva County $12.81 $666 $26,640 1.8 $61,300 $1,533 $18,390 $460 3,059 29% $10.10 $525 1.3
Greene County $11.77 $612 $24,480 1.6 $33,800 $845 $10,140 $254 924 31% $8.92 $464 1.3
Hale County $17.02 $885 $35,400 2.3 $67,800 $1,695 $20,340 $509 1,614 29% $9.39 $488 1.8
Henry County $11.77 $612 $24,480 1.6 $59,700 $1,493 $17,910 $448 1,147 17% $13.04 $678 0.9
Houston County $12.81 $666 $26,640 1.8 $61,300 $1,533 $18,390 $460 13,512 34% $13.06 $679 1.0
Jackson County $12.44 $647 $25,880 1.7 $50,600 $1,265 $15,180 $380 5,344 26% $9.67 $503 1.3
Jefferson County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 97,066 37% $16.92 $880 1.1
Lamar County $11.77 $612 $24,480 1.6 $49,200 $1,230 $14,760 $369 1,407 24% $8.44 $439 1.4
Lauderdale County $13.73 $714 $28,560 1.9 $64,200 $1,605 $19,260 $482 12,138 32% $9.58 $498 1.4
Lawrence County $13.21 $687 $27,480 1.8 $63,600 $1,590 $19,080 $477 2,678 21% $10.29 $535 1.3
Lee County $15.60 $811 $32,440 2.2 $76,500 $1,913 $22,950 $574 23,552 40% $9.35 $486 1.7
Limestone County $15.04 $782 $31,280 2.1 $85,300 $2,133 $25,590 $640 7,062 22% $11.15 $580 1.3
Lowndes County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 1,101 26% $12.15 $632 1.3
Macon County $12.25 $637 $25,480 1.7 $47,300 $1,183 $14,190 $355 2,616 34% $8.46 $440 1.4
Madison County $15.04 $782 $31,280 2.1 $85,300 $2,133 $25,590 $640 47,606 33% $14.63 $761 1.0
Marengo County $11.77 $612 $24,480 1.6 $53,700 $1,343 $16,110 $403 2,235 29% $10.75 $559 1.1
Marion County $11.77 $612 $24,480 1.6 $48,800 $1,220 $14,640 $366 3,009 25% $9.70 $504 1.2
Marshall County $12.17 $633 $25,320 1.7 $54,000 $1,350 $16,200 $405 10,341 30% $10.25 $533 1.2
Mobile County $16.81 $874 $34,960 2.3 $61,400 $1,535 $18,420 $461 54,711 35% $13.76 $716 1.2
Monroe County $11.77 $612 $24,480 1.6 $44,200 $1,105 $13,260 $332 3,187 39% $9.37 $487 1.3
Montgomery County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 37,209 41% $13.44 $699 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-25

 FY20 HOUSING AREA MEDIAN
Alab ama WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Alabama Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F ull-jobs
Ann ualincome time atjobs a t Montly
re n t rent E smean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le meneeded
an re n tetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
n ua4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e n te r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Morgan County $13.21 $687 $27,480 1.8 $63,600 $1,590 $19,080 $477 12,718 28% $12.50 $650 1.1
Perry County $11.77 $612 $24,480 1.6 $34,700 $868 $10,410 $260 839 27% $11.79 $613 1.0
Pickens County $11.77 $612 $24,480 1.6 $53,900 $1,348 $16,170 $404 1,961 26% $8.80 $458 1.3
Pike County $11.96 $622 $24,880 1.6 $52,500 $1,313 $15,750 $394 4,702 41% $9.02 $469 1.3
Randolph County $11.77 $612 $24,480 1.6 $52,200 $1,305 $15,660 $392 2,298 27% $9.78 $508 1.2
Russell County $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 9,139 40% $13.37 $695 1.1
St. Clair County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 6,775 21% $11.93 $621 1.6
Shelby County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 15,922 20% $16.35 $850 1.2
Sumter County $14.21 $739 $29,560 2.0 $43,800 $1,095 $13,140 $329 1,769 35% $8.48 $441 1.7
Talladega County $12.38 $644 $25,760 1.7 $56,700 $1,418 $17,010 $425 9,015 29% $13.06 $679 0.9
Tallapoosa County $11.77 $612 $24,480 1.6 $56,500 $1,413 $16,950 $424 4,466 27% $8.16 $424 1.4
Tuscaloosa County $17.02 $885 $35,400 2.3 $67,800 $1,695 $20,340 $509 26,671 37% $11.86 $617 1.4
Walker County $14.44 $751 $30,040 2.0 $64,100 $1,603 $19,230 $481 5,991 24% $9.93 $516 1.5
Washington County $11.88 $618 $24,720 1.6 $49,700 $1,243 $14,910 $373 973 16% $23.91 $1,243 0.5
Wilcox County $11.77 $612 $24,480 1.6 $43,400 $1,085 $13,020 $326 1,333 35% $17.20 $894 0.7
Winston County $11.77 $612 $24,480 1.6 $47,300 $1,183 $14,190 $355 1,977 21% $10.48 $545 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-26

 ALASKA #11* STATE
RANKING

In Alaska, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,304. In order to afford this level of rent and utilities — without paying more $25.07
than 30% of income on housing — a household must earn $4,346 monthly or PER HOUR
$52,147 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ALASKA:

STATE FACTS 98
Work Hours Per Week At
76
Work Hours Per Week At
Minimum Wage $10.19 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $19.55
2-Bedroom Housing Wage $25.07
2.5 1.9
Number of Renter Households 91,290 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 36%

HOUSING
MOST EXPENSIVE AREAS WAGE
Two bedroom FMR $1304
One bedroom FMR $1005
Aleutians West Census Area $33.75 Rent affordable at area
median income (AMI)
$2322
Bethel Census Area $32.46 Rent affordable with full-time job paying
$1017
mean renter wage

Nome Census Area $32.40 Rent affordable at 30% of AMI $697

Denali Borough $29.60

Rent affordable with full-time job
paying minimum wage $530
$344
$28.50
Rent affordable to SSI recipient
Juneau City and Borough
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AK-27
 FY20 HOUSING AREA MEDIAN
Alas k a WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Alaska Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Alaska $25.07 $1,304 $52,147 2.5 $92,899 $2,322 $27,870 $697 91,290 36% $19.55 $1,017 1.3
Combined Nonmetro Areas $26.11 $1,358 $54,318 2.6 $87,497 $2,187 $26,249 $656 27,308 34% $23.29 $1,211 1.1

Metropolitan Areas
Anchorage HMFA $25.10 $1,305 $52,200 2.5 $97,300 $2,433 $29,190 $730 41,697 39% $18.95 $985 1.3
Fairbanks MSA $25.48 $1,325 $53,000 2.5 $93,100 $2,328 $27,930 $698 15,150 41% $17.08 $888 1.5
Matanuska-Susitna Borough HMFA $20.06 $1,043 $41,720 2.0 $91,400 $2,285 $27,420 $686 7,135 23% $11.31 $588 1.8

Counties
Aleutians East Borough $23.13 $1,203 $48,120 2.3 $77,700 $1,943 $23,310 $583 328 38% $27.47 $1,428 0.8
Aleutians West Census Area $33.75 $1,755 $70,200 3.3 $100,100 $2,503 $30,030 $751 845 72% $31.02 $1,613 1.1
Anchorage Municipality $25.10 $1,305 $52,200 2.5 $97,300 $2,433 $29,190 $730 41,697 39% $18.95 $985 1.3
Bethel Census Area $32.46 $1,688 $67,520 3.2 $56,900 $1,423 $17,070 $427 1,774 39% $22.96 $1,194 1.4
Bristol Bay Borough $23.12 $1,202 $48,080 2.3 $102,500 $2,563 $30,750 $769 157 47% $24.06 $1,251 1.0
Denali Borough $29.60 $1,539 $61,560 2.9 $110,500 $2,763 $33,150 $829 140 22% $18.65 $970 1.6
Dillingham Census Area $26.79 $1,393 $55,720 2.6 $65,000 $1,625 $19,500 $488 564 40% $18.45 $959 1.5
Fairbanks North Star Borough $25.48 $1,325 $53,000 2.5 $93,100 $2,328 $27,930 $698 15,150 41% $17.08 $888 1.5
Haines Borough $20.33 $1,057 $42,280 2.0 $80,000 $2,000 $24,000 $600 334 33% $16.95 $881 1.2
Hoonah-Angoon Census Area $19.02 $989 $39,560 1.9 $74,500 $1,863 $22,350 $559 209 26% $13.07 $680 1.5
Juneau City and Borough $28.50 $1,482 $59,280 2.8 $117,800 $2,945 $35,340 $884 4,507 36% $15.89 $826 1.8
Kenai Peninsula Borough $22.92 $1,192 $47,680 2.2 $89,700 $2,243 $26,910 $673 5,809 27% $14.86 $773 1.5
Ketchikan Gateway Borough $27.19 $1,414 $56,560 2.7 $87,300 $2,183 $26,190 $655 2,087 39% $13.59 $707 2.0
Kodiak Island Borough $27.54 $1,432 $57,280 2.7 $98,400 $2,460 $29,520 $738 1,968 45% $16.04 $834 1.7
Kusilvak Census Area $18.13 $943 $37,720 1.8 $38,500 $963 $11,550 $289 435 26% $14.93 $776 1.2
Lake and Peninsula Borough $17.44 $907 $36,280 1.7 $50,700 $1,268 $15,210 $380 131 31% $23.97 $1,246 0.7
Matanuska-Susitna Borough $20.06 $1,043 $41,720 2.0 $91,400 $2,285 $27,420 $686 7,135 23% $11.31 $588 1.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AK-28

 FY20 HOUSING AREA MEDIAN
Alas k a WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Alaska Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F ull-jobs
Ann ualincome time atjobs a t Montly
re n t rent E smean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le meneeded
an re n tetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
n ua4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e n te r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Nome Census Area $32.40 $1,685 $67,400 3.2 $55,600 $1,390 $16,680 $417 1,141 40% $27.47 $1,429 1.2
North Slope Borough $28.50 $1,482 $59,280 2.8 $84,900 $2,123 $25,470 $637 978 50% $54.57 $2,837 0.5
Northwest Arctic Borough $27.15 $1,412 $56,480 2.7 $62,000 $1,550 $18,600 $465 826 44% $43.74 $2,275 0.6
Petersburg Census Area $22.63 $1,177 $47,080 2.2 $79,900 $1,998 $23,970 $599 371 32% $11.13 $579 2.0
Prince of Wales-Hyder Census Area $21.44 $1,115 $44,600 2.1 $67,600 $1,690 $20,280 $507 640 27% $15.05 $783 1.4
Sitka City and Borough $24.87 $1,293 $51,720 2.4 $89,100 $2,228 $26,730 $668 1,499 42% $15.67 $815 1.6
Skagway Municipality $26.54 $1,380 $55,200 2.6 $83,600 $2,090 $25,080 $627 194 49% $13.25 $689 2.0
Southeast Fairbanks Census Area $24.94 $1,297 $51,880 2.4 $82,700 $2,068 $24,810 $620 572 26% $26.52 $1,379 0.9
Valdez-Cordova Census Area $23.87 $1,241 $49,640 2.3 $113,200 $2,830 $33,960 $849 832 27% $22.80 $1,186 1.0
Wrangell City and Borough $19.40 $1,009 $40,360 1.9 $71,400 $1,785 $21,420 $536 340 32% $8.46 $440 2.3
Yakutat City and Borough $23.63 $1,229 $49,160 2.3 $90,800 $2,270 $27,240 $681 87 38% $13.42 $698 1.8
Yukon-Koyukuk Census Area $15.69 $816 $32,640 1.5 $51,400 $1,285 $15,420 $386 540 28% $17.65 $918 0.9

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AK-29

 ARIZONA #20* STATE
RANKING

In Arizona, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,097. In order to afford this level of rent and utilities — without paying more $21.10
than 30% of income on housing — a household must earn $3,658 monthly or PER HOUR
$43,892 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ARIZONA:

STATE FACTS 70
Work Hours Per Week At
57
Work Hours Per Week At
Minimum Wage $12.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.46
2-Bedroom Housing Wage $21.10
1.8 1.4
Number of Renter Households 918,235 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 36%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1097
$882
$24.35
One bedroom FMR
Flagstaff MSA
Rent affordable at area $1824
$22.56
median income (AMI)
Phoenix-Mesa-Scottsdale MSA Rent affordable with full-time job paying
mean renter wage
$908
Prescott MSA $19.73 Rent affordable at 30% of AMI $547

$18.25 $624
Rent affordable with full-time job
Tucson MSA paying minimum wage

$235
$17.73
Rent affordable to SSI recipient
Gila County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AZ-30
 FY20 HOUSING AREA MEDIAN
Arizona WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arizona Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F ull-jobs
Ann ualincome time atjobs a t Montly
re n t rent E smean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le meneeded
an re n tetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
n ua4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e n te r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Arizona $21.10 $1,097 $43,892 1.8 $72,954 $1,824 $21,886 $547 918,235 36% $17.46 $908 1.2
Combined Nonmetro Areas $15.55 $809 $32,349 1.3 $51,026 $1,276 $15,308 $383 33,192 29% $16.31 $848 1.0

Metropolitan Areas
Flagstaff MSA $24.35 $1,266 $50,640 2.0 $75,200 $1,880 $22,560 $564 18,639 39% $13.27 $690 1.8
Lake Havasu City-Kingman MSA $16.75 $871 $34,840 1.4 $55,700 $1,393 $16,710 $418 26,810 31% $14.36 $747 1.2
Phoenix-Mesa-Scottsdale MSA $22.56 $1,173 $46,920 1.9 $77,800 $1,945 $23,340 $584 622,826 38% $18.44 $959 1.2
Prescott MSA $19.73 $1,026 $41,040 1.6 $64,600 $1,615 $19,380 $485 26,952 28% $13.66 $711 1.4
Sierra Vista-Douglas MSA $16.48 $857 $34,280 1.4 $66,300 $1,658 $19,890 $497 15,184 31% $13.16 $685 1.3
Tucson MSA $18.25 $949 $37,960 1.5 $68,400 $1,710 $20,520 $513 150,781 38% $14.65 $762 1.2
Yuma MSA $15.69 $816 $32,640 1.3 $56,500 $1,413 $16,950 $424 23,851 33% $13.03 $677 1.2

Counties
Apache County $13.90 $723 $28,920 1.2 $43,200 $1,080 $12,960 $324 4,407 22% $22.44 $1,167 0.6
Cochise County $16.48 $857 $34,280 1.4 $66,300 $1,658 $19,890 $497 15,184 31% $13.16 $685 1.3
Coconino County $24.35 $1,266 $50,640 2.0 $75,200 $1,880 $22,560 $564 18,639 39% $13.27 $690 1.8
Gila County $17.73 $922 $36,880 1.5 $51,800 $1,295 $15,540 $389 5,675 26% $14.51 $754 1.2
Graham County $16.40 $853 $34,120 1.4 $62,400 $1,560 $18,720 $468 3,315 31% $13.23 $688 1.2
Greenlee County $13.73 $714 $28,560 1.1 $64,600 $1,615 $19,380 $485 1,639 51% $40.79 $2,121 0.3
La Paz County $16.48 $857 $34,280 1.4 $47,300 $1,183 $14,190 $355 2,292 26% $12.63 $657 1.3
Maricopa County $22.56 $1,173 $46,920 1.9 $77,800 $1,945 $23,340 $584 587,655 39% $18.54 $964 1.2
Mohave County $16.75 $871 $34,840 1.4 $55,700 $1,393 $16,710 $418 26,810 31% $14.36 $747 1.2
Navajo County $15.42 $802 $32,080 1.3 $53,200 $1,330 $15,960 $399 10,646 31% $12.41 $645 1.2
Pima County $18.25 $949 $37,960 1.5 $68,400 $1,710 $20,520 $513 150,781 38% $14.65 $762 1.2
Pinal County $22.56 $1,173 $46,920 1.9 $77,800 $1,945 $23,340 $584 35,171 26% $13.84 $720 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AZ-31

 FY20 HOUSING AREA MEDIAN
Arizona WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arizona Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F ull-jobs
Ann ualincome time atjobs a t Montly
re n t rent E smean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le meneeded
an re n tetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
n ua4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e n te r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Santa Cruz County $14.46 $752 $30,080 1.2 $46,800 $1,170 $14,040 $351 5,218 34% $12.84 $668 1.1
Yavapai County $19.73 $1,026 $41,040 1.6 $64,600 $1,615 $19,380 $485 26,952 28% $13.66 $711 1.4
Yuma County $15.69 $816 $32,640 1.3 $56,500 $1,413 $16,950 $424 23,851 33% $13.03 $677 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AZ-32

 ARKANSAS #51* STATE
RANKING

In Arkansas, the Fair Market Rent (FMR) for a two-bedroom apartment is

$738. In order to afford this level of rent and utilities — without paying more $14.19
than 30% of income on housing — a household must earn $2,459 monthly or PER HOUR
$29,514 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ARKANSAS:

STATE FACTS 57
Work Hours Per Week At
46
Work Hours Per Week At
Minimum Wage $10.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.92
2-Bedroom Housing Wage $14.19
1.4 1.1
Number of Renter Households 395,744 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $738
$593
$17.00
One bedroom FMR
Crittenden County
Rent affordable at area $1535
$15.52
median income (AMI)
Fayetteville-Springdale-Rogers HMFA Rent affordable with full-time job paying
mean renter wage
$724
Little Rock-North Little Rock-Conway HMFA $15.46 Rent affordable at 30% of AMI $461

$15.25 $520
Rent affordable with full-time job
Jonesboro HMFA paying minimum wage

$235
$15.23
Rent affordable to SSI recipient
Texarkana HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AR-33
 FY20 HOUSING AREA MEDIAN
Ark ans a s WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arkansas Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Arkansas $14.19 $738 $29,514 1.4 $61,408 $1,535 $18,422 $461 395,744 34% $13.92 $724 1.0
Combined Nonmetro Areas $12.41 $646 $25,820 1.2 $50,668 $1,267 $15,200 $380 133,878 30% $11.70 $609 1.1

Metropolitan Areas
Fayetteville-Springdale-Rogers HMFA $15.52 $807 $32,280 1.6 $73,600 $1,840 $22,080 $552 73,177 39% $18.14 $943 0.9
Fort Smith HMFA $13.19 $686 $27,440 1.3 $54,200 $1,355 $16,260 $407 25,921 35% $13.11 $681 1.0
Grant County HMFA $13.63 $709 $28,360 1.4 $64,700 $1,618 $19,410 $485 1,363 20% $11.14 $579 1.2
Hot Springs MSA $14.85 $772 $30,880 1.5 $63,900 $1,598 $19,170 $479 12,939 32% $11.60 $603 1.3
Jonesboro HMFA $15.25 $793 $31,720 1.5 $65,200 $1,630 $19,560 $489 17,355 43% $11.50 $598 1.3
Little River County HMFA $12.12 $630 $25,200 1.2 $54,500 $1,363 $16,350 $409 1,506 28% $16.08 $836 0.8
Little Rock-North Little Rock-Conway HMFA $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 100,292 36% $14.42 $750 1.1
Memphis HMFA $17.00 $884 $35,360 1.7 $67,900 $1,698 $20,370 $509 7,885 42% $12.05 $627 1.4
Pine Bluff MSA $13.71 $713 $28,520 1.4 $52,600 $1,315 $15,780 $395 11,904 35% $12.77 $664 1.1
Poinsett County HMFA $12.12 $630 $25,200 1.2 $46,600 $1,165 $13,980 $350 3,447 37% $11.90 $619 1.0
Texarkana HMFA $15.23 $792 $31,680 1.5 $69,800 $1,745 $20,940 $524 6,077 36% $12.03 $626 1.3

Counties
Arkansas County $12.35 $642 $25,680 1.2 $51,800 $1,295 $15,540 $389 2,788 36% $13.20 $686 0.9
Ashley County $12.12 $630 $25,200 1.2 $50,800 $1,270 $15,240 $381 2,084 26% $9.96 $518 1.2
Baxter County $13.44 $699 $27,960 1.3 $51,400 $1,285 $15,420 $386 4,441 24% $12.65 $658 1.1
Benton County $15.52 $807 $32,280 1.6 $73,600 $1,840 $22,080 $552 31,715 34% $21.33 $1,109 0.7
Boone County $12.12 $630 $25,200 1.2 $49,900 $1,248 $14,970 $374 4,232 28% $12.58 $654 1.0
Bradley County $12.12 $630 $25,200 1.2 $49,800 $1,245 $14,940 $374 1,701 37% $12.66 $658 1.0
Calhoun County $13.02 $677 $27,080 1.3 $50,400 $1,260 $15,120 $378 318 16% $11.32 $589 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AR-34

 FY20 HOUSING AREA MEDIAN
Ark ans a s WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arkansas Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Carroll County $12.27 $638 $25,520 1.2 $54,700 $1,368 $16,410 $410 2,681 24% $10.48 $545 1.2
Chicot County $12.12 $630 $25,200 1.2 $41,500 $1,038 $12,450 $311 1,539 36% $9.18 $477 1.3
Clark County $12.12 $630 $25,200 1.2 $57,700 $1,443 $17,310 $433 3,174 37% $9.69 $504 1.3
Clay County $12.12 $630 $25,200 1.2 $45,900 $1,148 $13,770 $344 1,967 31% $9.18 $478 1.3
Cleburne County $13.08 $680 $27,200 1.3 $59,700 $1,493 $17,910 $448 2,728 25% $11.13 $579 1.2
Cleveland County $13.71 $713 $28,520 1.4 $52,600 $1,315 $15,780 $395 810 25% $10.58 $550 1.3
Columbia County $12.12 $630 $25,200 1.2 $52,200 $1,305 $15,660 $392 2,801 31% $12.77 $664 0.9
Conway County $12.12 $630 $25,200 1.2 $54,600 $1,365 $16,380 $410 2,689 32% $13.13 $683 0.9
Craighead County $15.25 $793 $31,720 1.5 $65,200 $1,630 $19,560 $489 17,355 43% $11.50 $598 1.3
Crawford County $13.19 $686 $27,440 1.3 $54,200 $1,355 $16,260 $407 5,519 23% $10.90 $567 1.2
Crittenden County $17.00 $884 $35,360 1.7 $67,900 $1,698 $20,370 $509 7,885 42% $12.05 $627 1.4
Cross County $13.17 $685 $27,400 1.3 $54,200 $1,355 $16,260 $407 2,180 33% $10.38 $540 1.3
Dallas County $12.12 $630 $25,200 1.2 $48,700 $1,218 $14,610 $365 973 32% $11.11 $578 1.1
Desha County $12.12 $630 $25,200 1.2 $40,500 $1,013 $12,150 $304 2,076 41% $12.77 $664 0.9
Drew County $12.12 $630 $25,200 1.2 $53,900 $1,348 $16,170 $404 2,228 32% $8.49 $442 1.4
Faulkner County $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 16,480 37% $11.73 $610 1.3
Franklin County $12.12 $630 $25,200 1.2 $49,100 $1,228 $14,730 $368 1,872 28% $7.77 $404 1.6
Fulton County $12.12 $630 $25,200 1.2 $45,300 $1,133 $13,590 $340 1,091 22% $7.16 $372 1.7
Garland County $14.85 $772 $30,880 1.5 $63,900 $1,598 $19,170 $479 12,939 32% $11.60 $603 1.3
Grant County $13.63 $709 $28,360 1.4 $64,700 $1,618 $19,410 $485 1,363 20% $11.14 $579 1.2
Greene County $13.33 $693 $27,720 1.3 $58,700 $1,468 $17,610 $440 5,445 32% $13.00 $676 1.0
Hempstead County $12.37 $643 $25,720 1.2 $51,200 $1,280 $15,360 $384 2,498 31% $11.39 $592 1.1
Hot Spring County $12.17 $633 $25,320 1.2 $55,300 $1,383 $16,590 $415 3,008 24% $12.36 $643 1.0
Howard County $12.12 $630 $25,200 1.2 $47,400 $1,185 $14,220 $356 1,604 31% $9.67 $503 1.3
Independence County $12.69 $660 $26,400 1.3 $54,800 $1,370 $16,440 $411 3,977 28% $11.20 $582 1.1
Izard County $12.12 $630 $25,200 1.2 $52,000 $1,300 $15,600 $390 1,055 21% $9.95 $518 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AR-35

 FY20 HOUSING AREA MEDIAN
Ark ans a s WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arkansas Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Jackson County $12.12 $630 $25,200 1.2 $44,900 $1,123 $13,470 $337 1,868 31% $11.53 $599 1.1
Jefferson County $13.71 $713 $28,520 1.4 $52,600 $1,315 $15,780 $395 10,130 38% $13.29 $691 1.0
Johnson County $12.35 $642 $25,680 1.2 $45,600 $1,140 $13,680 $342 2,784 28% $9.57 $498 1.3
Lafayette County $12.12 $630 $25,200 1.2 $46,300 $1,158 $13,890 $347 668 23% $9.06 $471 1.3
Lawrence County $12.12 $630 $25,200 1.2 $51,400 $1,285 $15,420 $386 2,172 33% $10.78 $560 1.1
Lee County $12.12 $630 $25,200 1.2 $41,900 $1,048 $12,570 $314 1,418 42% $8.72 $454 1.4
Lincoln County $13.71 $713 $28,520 1.4 $52,600 $1,315 $15,780 $395 964 25% $7.26 $377 1.9
Little River County $12.12 $630 $25,200 1.2 $54,500 $1,363 $16,350 $409 1,506 28% $16.08 $836 0.8
Logan County $12.12 $630 $25,200 1.2 $48,900 $1,223 $14,670 $367 2,389 28% $10.95 $569 1.1
Lonoke County $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 8,362 31% $10.73 $558 1.4
Madison County $15.52 $807 $32,280 1.6 $73,600 $1,840 $22,080 $552 1,340 22% $11.29 $587 1.4
Marion County $12.12 $630 $25,200 1.2 $46,400 $1,160 $13,920 $348 1,409 21% $7.69 $400 1.6
Miller County $15.23 $792 $31,680 1.5 $69,800 $1,745 $20,940 $524 6,077 36% $12.03 $626 1.3
Mississippi County $12.40 $645 $25,800 1.2 $44,700 $1,118 $13,410 $335 7,363 44% $18.31 $952 0.7
Monroe County $12.12 $630 $25,200 1.2 $47,400 $1,185 $14,220 $356 1,332 40% $8.77 $456 1.4
Montgomery County $12.12 $630 $25,200 1.2 $48,900 $1,223 $14,670 $367 653 17% $6.30 $328 1.9
Nevada County $14.08 $732 $29,280 1.4 $50,500 $1,263 $15,150 $379 1,055 32% $11.88 $618 1.2
$12.12 $630 $25,200 1.2 $50,200 $1,255 $15,060 $377 342 12%
Ouachita County $12.12 $630 $25,200 1.2 $45,400 $1,135 $13,620 $341 3,201 32% $9.32 $485 1.3
Perry County $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 738 20% $10.33 $537 1.5
Phillips County $12.12 $630 $25,200 1.2 $37,100 $928 $11,130 $278 3,884 52% $11.07 $576 1.1
Pike County $12.12 $630 $25,200 1.2 $51,800 $1,295 $15,540 $389 981 23% $10.58 $550 1.1
Poinsett County $12.12 $630 $25,200 1.2 $46,600 $1,165 $13,980 $350 3,447 37% $11.90 $619 1.0
Polk County $12.12 $630 $25,200 1.2 $42,600 $1,065 $12,780 $320 1,987 24% $11.25 $585 1.1
Pope County $12.62 $656 $26,240 1.3 $54,100 $1,353 $16,230 $406 7,151 32% $13.02 $677 1.0
Prairie County $12.12 $630 $25,200 1.2 $51,000 $1,275 $15,300 $383 1,071 28% $10.33 $537 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AR-36

 FY20 HOUSING AREA MEDIAN
Ark ans a s WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
Arkansas Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pulaski County $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 65,275 42% $15.42 $802 1.0
Randolph County $12.12 $630 $25,200 1.2 $48,400 $1,210 $14,520 $363 2,084 28% $11.19 $582 1.1
St. Francis County $12.12 $630 $25,200 1.2 $43,200 $1,080 $12,960 $324 3,998 43% $9.97 $519 1.2
Saline County $15.46 $804 $32,160 1.5 $72,200 $1,805 $21,660 $542 9,437 22% $11.20 $583 1.4
Scott County $12.12 $630 $25,200 1.2 $45,400 $1,135 $13,620 $341 990 26% $6.87 $357 1.8
Searcy County $12.12 $630 $25,200 1.2 $46,900 $1,173 $14,070 $352 732 22% $6.25 $325 1.9
Sebastian County $13.19 $686 $27,440 1.3 $54,200 $1,355 $16,260 $407 20,402 40% $13.76 $715 1.0
Sevier County $12.12 $630 $25,200 1.2 $56,000 $1,400 $16,800 $420 1,470 25% $10.26 $534 1.2
Sharp County $12.12 $630 $25,200 1.2 $43,200 $1,080 $12,960 $324 1,781 24% $8.12 $422 1.5
Stone County $12.17 $633 $25,320 1.2 $44,300 $1,108 $13,290 $332 1,351 27% $7.07 $368 1.7
Union County $12.15 $632 $25,280 1.2 $55,100 $1,378 $16,530 $413 4,016 25% $15.46 $804 0.8
Van Buren County $12.37 $643 $25,720 1.2 $46,400 $1,160 $13,920 $348 1,593 23% $10.05 $523 1.2
Washington County $15.52 $807 $32,280 1.6 $73,600 $1,840 $22,080 $552 40,122 47% $14.48 $753 1.1
White County $13.04 $678 $27,120 1.3 $57,200 $1,430 $17,160 $429 9,789 33% $11.24 $585 1.2
Woodruff County $12.12 $630 $25,200 1.2 $49,400 $1,235 $14,820 $371 968 33% $8.99 $468 1.3
Yell County $12.12 $630 $25,200 1.2 $48,700 $1,218 $14,610 $365 2,228 30% $11.24 $584 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AR-37

 CALIFORNIA #2* STATE
RANKING

In California, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,922. In order to afford this level of rent and utilities — without paying more $36.96
than 30% of income on housing — a household must earn $6,407 monthly or PER HOUR
$76,879 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT CALIFORNIA:

STATE FACTS 114
Work Hours Per Week At
90
Work Hours Per Week At
Minimum Wage $13.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $23.96
2-Bedroom Housing Wage $36.96
2.8 2.3
Number of Renter Households 5,880,000 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 45%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1922
$1522
$64.21
One bedroom FMR
San Francisco HMFA
Rent affordable at area $2273
$57.12
median income (AMI)
San Jose-Sunnyvale-Santa Clara HMFA Rent affordable with full-time job paying $1246
mean renter wage
Santa Cruz-Watsonville MSA $48.44 Rent affordable at 30% of AMI $682

$44.69 $676
Rent affordable with full-time job
Santa Maria-Santa Barbara MSA paying minimum wage

$283
$43.06
Rent affordable to SSI recipient
Oakland-Fremont HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CA-38
 FY20 HOUSING AREA MEDIAN
California WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
CALIFORNIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

California $36.96 $1,922 $76,879 2.8 $90,909 $2,273 $27,273 $682 5,880,000 45% $23.96 $1,246 1.5
Combined Nonmetro Areas $20.00 $1,040 $41,610 1.5 $70,912 $1,773 $21,273 $532 111,615 34% $12.60 $655 1.6

Metropolitan Areas
Bakersfield MSA $18.19 $946 $37,840 1.4 $56,600 $1,415 $16,980 $425 112,518 42% $13.97 $726 1.3
Chico MSA $20.96 $1,090 $43,600 1.6 $66,100 $1,653 $19,830 $496 35,439 41% $13.59 $707 1.5
El Centro MSA $19.75 $1,027 $41,080 1.5 $55,600 $1,390 $16,680 $417 18,340 42% $9.19 $478 2.1
Fresno MSA $18.85 $980 $39,200 1.4 $61,700 $1,543 $18,510 $463 143,680 47% $12.99 $676 1.5
Hanford-Corcoran MSA $20.46 $1,064 $42,560 1.6 $62,200 $1,555 $18,660 $467 20,621 48% $14.18 $737 1.4
Los Angeles-Long Beach-Glendale HMFA $37.62 $1,956 $78,240 2.9 $77,300 $1,933 $23,190 $580 1,791,480 54% $22.59 $1,175 1.7
Madera MSA $21.25 $1,105 $44,200 1.6 $59,400 $1,485 $17,820 $446 16,132 36% $13.28 $691 1.6
Merced MSA $18.21 $947 $37,880 1.4 $52,300 $1,308 $15,690 $392 38,228 48% $14.23 $740 1.3
Modesto MSA $21.25 $1,105 $44,200 1.6 $69,300 $1,733 $20,790 $520 73,603 43% $15.80 $822 1.3
Napa MSA $36.15 $1,880 $75,200 2.8 $109,200 $2,730 $32,760 $819 17,776 36% $18.33 $953 2.0
Oakland-Fremont HMFA $43.06 $2,239 $89,560 3.3 $119,200 $2,980 $35,760 $894 402,485 42% $24.51 $1,275 1.8
Oxnard-Thousand Oaks-Ventura MSA $37.37 $1,943 $77,720 2.9 $97,800 $2,445 $29,340 $734 99,672 37% $17.98 $935 2.1
Redding MSA $18.58 $966 $38,640 1.4 $68,500 $1,713 $20,550 $514 25,752 37% $13.43 $698 1.4
Riverside-San Bernardino-Ontario MSA $24.79 $1,289 $51,560 1.9 $75,300 $1,883 $22,590 $565 502,841 37% $14.44 $751 1.7
Sacramento--Roseville--Arden-Arcade HMFA $25.94 $1,349 $53,960 2.0 $86,300 $2,158 $25,890 $647 292,090 39% $17.26 $898 1.5
Salinas MSA $34.81 $1,810 $72,400 2.7 $81,600 $2,040 $24,480 $612 61,690 49% $16.78 $873 2.1
San Benito County HMFA $32.88 $1,710 $68,400 2.5 $89,700 $2,243 $26,910 $673 6,476 37% $16.06 $835 2.0
San Diego-Carlsbad MSA * $39.17 $2,037 $81,480 3.0 $92,700 $2,318 $27,810 $695 525,090 47% $21.39 $1,112 1.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CA-39

 FY20 HOUSING AREA MEDIAN
California WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
CALIFORNIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

San Francisco HMFA $64.21 $3,339 $133,560 4.9 $143,100 $3,578 $42,930 $1,073 367,561 51% $46.29 $2,407 1.4
San Jose-Sunnyvale-Santa Clara HMFA $57.12 $2,970 $118,800 4.4 $141,600 $3,540 $42,480 $1,062 274,867 43% $50.94 $2,649 1.1
San Luis Obispo-Paso Robles-Arroyo Grande MSA $31.87 $1,657 $66,280 2.5 $97,300 $2,433 $29,190 $730 41,331 39% $15.72 $818 2.0
Santa Ana-Anaheim-Irvine HMFA $42.62 $2,216 $88,640 3.3 $103,000 $2,575 $30,900 $773 440,104 43% $21.87 $1,137 1.9
Santa Cruz-Watsonville MSA $48.44 $2,519 $100,760 3.7 $110,000 $2,750 $33,000 $825 38,883 41% $15.54 $808 3.1
Santa Maria-Santa Barbara MSA $44.69 $2,324 $92,960 3.4 $87,800 $2,195 $26,340 $659 69,322 48% $18.34 $954 2.4
Santa Rosa MSA $37.48 $1,949 $77,960 2.9 $102,700 $2,568 $30,810 $770 74,246 39% $18.92 $984 2.0
Stockton-Lodi MSA $22.00 $1,144 $45,760 1.7 $75,000 $1,875 $22,500 $563 100,630 44% $14.84 $771 1.5
Vallejo-Fairfield MSA $30.56 $1,589 $63,560 2.4 $95,400 $2,385 $28,620 $716 58,647 39% $19.50 $1,014 1.6
Visalia-Porterville MSA $18.10 $941 $37,640 1.4 $52,900 $1,323 $15,870 $397 58,792 43% $12.23 $636 1.5
Yolo HMFA $27.00 $1,404 $56,160 2.1 $92,500 $2,313 $27,750 $694 35,497 48% $14.93 $777 1.8
Yuba City MSA $20.90 $1,087 $43,480 1.6 $75,000 $1,875 $22,500 $563 24,592 42% $14.05 $731 1.5

Counties
Alameda County $43.06 $2,239 $89,560 3.3 $119,200 $2,980 $35,760 $894 267,736 47% $25.52 $1,327 1.7
Alpine County $19.50 $1,014 $40,560 1.5 $83,200 $2,080 $24,960 $624 48 16% $10.34 $537 1.9
Amador County $21.69 $1,128 $45,120 1.7 $78,700 $1,968 $23,610 $590 3,292 23% $11.17 $581 1.9
Butte County $20.96 $1,090 $43,600 1.6 $66,100 $1,653 $19,830 $496 35,439 41% $13.59 $707 1.5
Calaveras County $19.00 $988 $39,520 1.5 $80,400 $2,010 $24,120 $603 3,891 22% $12.13 $631 1.6
Colusa County $18.04 $938 $37,520 1.4 $66,400 $1,660 $19,920 $498 2,742 39% $13.56 $705 1.3
Contra Costa County $43.06 $2,239 $89,560 3.3 $119,200 $2,980 $35,760 $894 134,749 34% $22.38 $1,164 1.9
Del Norte County $18.81 $978 $39,120 1.4 $57,400 $1,435 $17,220 $431 3,684 38% $10.22 $532 1.8
El Dorado County $25.94 $1,349 $53,960 2.0 $86,300 $2,158 $25,890 $647 16,182 23% $14.07 $732 1.8
Fresno County $18.85 $980 $39,200 1.4 $61,700 $1,543 $18,510 $463 143,680 47% $12.99 $676 1.5

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CA-40

 FY20 HOUSING AREA MEDIAN
California WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
CALIFORNIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Glenn County $16.98 $883 $35,320 1.3 $56,700 $1,418 $17,010 $425 4,036 40% $12.46 $648 1.4
Humboldt County $20.00 $1,040 $41,600 1.5 $72,000 $1,800 $21,600 $540 23,414 43% $12.54 $652 1.6
Imperial County $19.75 $1,027 $41,080 1.5 $55,600 $1,390 $16,680 $417 18,340 42% $9.19 $478 2.1
Inyo County $18.71 $973 $38,920 1.4 $75,100 $1,878 $22,530 $563 2,973 37% $12.93 $672 1.4
Kern County $18.19 $946 $37,840 1.4 $56,600 $1,415 $16,980 $425 112,518 42% $13.97 $726 1.3
Kings County $20.46 $1,064 $42,560 1.6 $62,200 $1,555 $18,660 $467 20,621 48% $14.18 $737 1.4
Lake County $19.54 $1,016 $40,640 1.5 $65,800 $1,645 $19,740 $494 8,809 34% $13.05 $679 1.5
Lassen County $17.33 $901 $36,040 1.3 $70,400 $1,760 $21,120 $528 3,048 32% $11.46 $596 1.5
Los Angeles County $37.62 $1,956 $78,240 2.5 $77,300 $1,933 $23,190 $580 1,791,480 54% $22.59 $1,175 1.7
Madera County $21.25 $1,105 $44,200 1.6 $59,400 $1,485 $17,820 $446 16,132 36% $13.28 $691 1.6
Marin County $64.21 $3,339 $133,560 4.9 $143,100 $3,578 $42,930 $1,073 38,058 36% $22.49 $1,169 2.9
Mariposa County $20.37 $1,059 $42,360 1.6 $66,900 $1,673 $20,070 $502 2,390 31% $9.70 $505 2.1
Mendocino County $22.56 $1,173 $46,920 1.7 $70,700 $1,768 $21,210 $530 13,917 41% $12.51 $650 1.8
Merced County $18.21 $947 $37,880 1.4 $52,300 $1,308 $15,690 $392 38,228 48% $14.23 $740 1.3
Modoc County $14.81 $770 $30,800 1.1 $54,200 $1,355 $16,260 $407 857 23% $12.75 $663 1.2
Mono County $24.81 $1,290 $51,600 1.9 $80,900 $2,023 $24,270 $607 1,833 38% $14.42 $750 1.7
Monterey County $34.81 $1,810 $72,400 2.7 $81,600 $2,040 $24,480 $612 61,690 49% $16.78 $873 2.1
Napa County $36.15 $1,880 $75,200 2.8 $109,200 $2,730 $32,760 $819 17,776 36% $18.33 $953 2.0
Nevada County $25.27 $1,314 $52,560 1.9 $92,400 $2,310 $27,720 $693 10,498 26% $13.73 $714 1.8
Orange County $42.62 $2,216 $88,640 3.3 $103,000 $2,575 $30,900 $773 440,104 43% $21.87 $1,137 1.9
Placer County $25.94 $1,349 $53,960 2.0 $86,300 $2,158 $25,890 $647 39,961 28% $17.41 $905 1.5
Plumas County $17.62 $916 $36,640 1.4 $72,200 $1,805 $21,660 $542 2,179 27% $12.47 $648 1.4
Riverside County $24.79 $1,289 $51,560 1.9 $75,300 $1,883 $22,590 $565 245,948 34% $13.73 $714 1.8
Sacramento County $25.94 $1,349 $53,960 2.0 $86,300 $2,158 $25,890 $647 235,947 44% $17.53 $911 1.5
San Benito County $32.88 $1,710 $68,400 2.5 $89,700 $2,243 $26,910 $673 6,476 37% $16.06 $835 2.0
San Bernardino County $24.79 $1,289 $51,560 1.9 $75,300 $1,883 $22,590 $565 256,893 41% $15.13 $787 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CA-41

 FY20 HOUSING AREA MEDIAN
California WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
CALIFORNIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

San Diego County * $39.17 $2,037 $81,480 3.0 $92,700 $2,318 $27,810 $695 525,090 47% $21.39 $1,112 1.8
San Francisco County $64.21 $3,339 $133,560 4.9 $143,100 $3,578 $42,930 $1,073 224,398 62% $48.96 $2,546 1.3
San Joaquin County $22.00 $1,144 $45,760 1.7 $75,000 $1,875 $22,500 $563 100,630 44% $14.84 $771 1.5
San Luis Obispo County $31.87 $1,657 $66,280 2.5 $97,300 $2,433 $29,190 $730 41,331 39% $15.72 $818 2.0
San Mateo County $64.21 $3,339 $133,560 4.9 $143,100 $3,578 $42,930 $1,073 105,105 40% $48.14 $2,503 1.3
Santa Barbara County $44.69 $2,324 $92,960 3.4 $87,800 $2,195 $26,340 $659 69,322 48% $18.34 $954 2.4
Santa Clara County $57.12 $2,970 $118,800 4.4 $141,600 $3,540 $42,480 $1,062 274,867 43% $50.94 $2,649 1.1
Santa Cruz County $48.44 $2,519 $100,760 3.7 $110,000 $2,750 $33,000 $825 38,883 41% $15.54 $808 3.1
Shasta County $18.58 $966 $38,640 1.4 $68,500 $1,713 $20,550 $514 25,752 37% $13.43 $698 1.4
Sierra County $24.42 $1,270 $50,800 1.9 $80,500 $2,013 $24,150 $604 231 19% $8.51 $443 2.9
Siskiyou County $16.46 $856 $34,240 1.3 $54,400 $1,360 $16,320 $408 6,624 34% $11.75 $611 1.4
Solano County $30.56 $1,589 $63,560 2.4 $95,400 $2,385 $28,620 $716 58,647 39% $19.50 $1,014 1.6
Sonoma County $37.48 $1,949 $77,960 2.9 $102,700 $2,568 $30,810 $770 74,246 39% $18.92 $984 2.0
Stanislaus County $21.25 $1,105 $44,200 1.6 $69,300 $1,733 $20,790 $520 73,603 43% $15.80 $822 1.3
Sutter County $20.90 $1,087 $43,480 1.6 $75,000 $1,875 $22,500 $563 13,800 43% $13.22 $688 1.6
Tehama County $17.46 $908 $36,320 1.3 $55,800 $1,395 $16,740 $419 8,450 35% $13.17 $685 1.3
Trinity County $16.38 $852 $34,080 1.3 $51,600 $1,290 $15,480 $387 1,928 33% $9.96 $518 1.6
Tulare County $18.10 $941 $37,640 1.4 $52,900 $1,323 $15,870 $397 58,792 43% $12.23 $636 1.5
Tuolumne County $19.52 $1,015 $40,600 1.5 $71,600 $1,790 $21,480 $537 6,771 30% $12.50 $650 1.6
Ventura County $37.37 $1,943 $77,720 2.9 $97,800 $2,445 $29,340 $734 99,672 37% $17.98 $935 2.1
Yolo County $27.00 $1,404 $56,160 2.1 $92,500 $2,313 $27,750 $694 35,497 48% $14.93 $777 1.8
Yuba County $20.90 $1,087 $43,480 1.6 $75,000 $1,875 $22,500 $563 10,792 41% $15.98 $831 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CA-42

 COLORADO #9* STATE
RANKING

In Colorado, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,375. In order to afford this level of rent and utilities — without paying more $26.45
than 30% of income on housing — a household must earn $4,585 monthly or PER HOUR
$55,016 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT COLORADO:

STATE FACTS 88
Work Hours Per Week At
71
Work Hours Per Week At
Minimum Wage $12.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $19.49
2-Bedroom Housing Wage $26.45
2.2 1.8
Number of Renter Households 742,242 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 35%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1375
$1103
$33.02
One bedroom FMR
Boulder MSA
Rent affordable at area $2299
$30.37
median income (AMI)
Pitkin County Rent affordable with full-time job paying
mean renter wage
$1013
Denver-Aurora-Lakewood MSA $30.12 Rent affordable at 30% of AMI $690

$27.58 $624
Rent affordable with full-time job
Eagle County paying minimum wage

$246
$27.19
Rent affordable to SSI recipient
Summit County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CO-43
 FY20 HOUSING AREA MEDIAN
Colorado WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
COLORADO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Colorado $26.45 $1,375 $55,016 2.2 $91,959 $2,299 $27,588 $690 742,242 35% $19.49 $1,013 1.4
Combined Nonmetro Areas $18.25 $949 $37,967 1.5 $70,611 $1,765 $21,183 $530 84,055 31% $14.62 $760 1.2

Metropolitan Areas
Boulder MSA $33.02 $1,717 $68,680 2.8 $115,100 $2,878 $34,530 $863 47,801 38% $19.94 $1,037 1.7
Colorado Springs HMFA $21.94 $1,141 $45,640 1.8 $81,600 $2,040 $24,480 $612 91,815 36% $16.19 $842 1.4
Denver-Aurora-Lakewood MSA $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 398,634 36% $22.23 $1,156 1.4
Fort Collins MSA $23.92 $1,244 $49,760 2.0 $99,400 $2,485 $29,820 $746 47,280 35% $15.22 $791 1.6
Grand Junction MSA $19.90 $1,035 $41,400 1.7 $67,700 $1,693 $20,310 $508 20,003 33% $12.92 $672 1.5
Greeley MSA $20.12 $1,046 $41,840 1.7 $84,300 $2,108 $25,290 $632 27,957 27% $15.51 $806 1.3
Pueblo MSA $16.12 $838 $33,520 1.3 $61,200 $1,530 $18,360 $459 22,756 36% $12.56 $653 1.3
Teller County HMFA $21.46 $1,116 $44,640 1.8 $81,800 $2,045 $24,540 $614 1,941 19% $11.47 $597 1.9

Counties
Adams County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 57,178 35% $17.35 $902 1.7
Alamosa County $14.40 $749 $29,960 1.2 $49,100 $1,228 $14,730 $368 2,725 44% $13.09 $681 1.1
Arapahoe County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 87,727 37% $21.96 $1,142 1.4
Archuleta County $17.67 $919 $36,760 1.5 $58,400 $1,460 $17,520 $438 1,442 25% $11.69 $608 1.5
Baca County $13.73 $714 $28,560 1.1 $48,800 $1,220 $14,640 $366 464 28% $11.98 $623 1.1
Bent County $13.73 $714 $28,560 1.1 $43,400 $1,085 $13,020 $326 625 36% $12.60 $655 1.1
Boulder County $33.02 $1,717 $68,680 2.8 $115,100 $2,878 $34,530 $863 47,801 38% $19.94 $1,037 1.7
Broomfield County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 8,999 34% $30.08 $1,564 1.0
Chaffee County $15.81 $822 $32,880 1.3 $71,300 $1,783 $21,390 $535 1,855 23% $9.90 $515 1.6
Cheyenne County $13.73 $714 $28,560 1.1 $72,800 $1,820 $21,840 $546 192 26% $17.27 $898 0.8
Clear Creek County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 1,092 24% $13.71 $713 2.2
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CO-44

 FY20 HOUSING AREA MEDIAN
Colorado WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
COLORADO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Conejos County $13.73 $714 $28,560 1.1 $53,200 $1,330 $15,960 $399 623 20% $8.11 $422 1.7
Costilla County $13.73 $714 $28,560 1.1 $36,800 $920 $11,040 $276 498 30% $10.56 $549 1.3
Crowley County $14.08 $732 $29,280 1.2 $52,900 $1,323 $15,870 $397 329 28% $16.40 $853 0.9
Custer County $14.33 $745 $29,800 1.2 $57,700 $1,443 $17,310 $433 306 15% $9.27 $482 1.5
Delta County $16.92 $880 $35,200 1.4 $58,100 $1,453 $17,430 $436 3,441 29% $9.45 $491 1.8
Denver County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 148,275 50% $26.00 $1,352 1.2
Dolores County $13.73 $714 $28,560 1.1 $51,400 $1,285 $15,420 $386 140 19% $14.16 $736 1.0
Douglas County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 24,651 21% $21.33 $1,109 1.4
Eagle County $27.58 $1,434 $57,360 2.3 $99,900 $2,498 $29,970 $749 5,219 29% $15.99 $832 1.7
Elbert County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 930 10% $11.39 $592 2.6
El Paso County $21.94 $1,141 $45,640 1.8 $81,600 $2,040 $24,480 $612 91,815 36% $16.19 $842 1.4
Fremont County $15.12 $786 $31,440 1.3 $59,500 $1,488 $17,850 $446 4,287 25% $10.19 $530 1.5
Garfield County $21.92 $1,140 $45,600 1.8 $84,500 $2,113 $25,350 $634 7,002 33% $18.74 $975 1.2
Gilpin County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 506 19% $18.73 $974 1.6
Grand County $19.48 $1,013 $40,520 1.6 $78,800 $1,970 $23,640 $591 1,814 31% $11.34 $590 1.7
Gunnison County $16.81 $874 $34,960 1.4 $75,400 $1,885 $22,620 $566 2,585 39% $13.91 $723 1.2
$14.79 $769 $30,760 1.2 $76,700 $1,918 $23,010 $575 110 28%
Huerfano County $14.10 $733 $29,320 1.2 $52,600 $1,315 $15,780 $395 930 28% $11.78 $613 1.2
Jackson County $16.44 $855 $34,200 1.4 $63,900 $1,598 $19,170 $479 165 29% $15.73 $818 1.0
Jefferson County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 68,118 30% $17.93 $932 1.7
Kiowa County $16.44 $855 $34,200 1.4 $53,500 $1,338 $16,050 $401 150 25% $21.04 $1,094 0.8
Kit Carson County $14.00 $728 $29,120 1.2 $60,400 $1,510 $18,120 $453 928 31% $13.13 $683 1.1
Lake County $15.13 $787 $31,480 1.3 $66,800 $1,670 $20,040 $501 1,268 38% $18.19 $946 0.8
La Plata County $18.90 $983 $39,320 1.6 $83,600 $2,090 $25,080 $627 6,416 29% $14.67 $763 1.3
Larimer County $23.92 $1,244 $49,760 2.0 $99,400 $2,485 $29,820 $746 47,280 35% $15.22 $791 1.6
Las Animas County $14.96 $778 $31,120 1.2 $56,200 $1,405 $16,860 $422 2,011 31% $14.05 $731 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CO-45

 FY20 HOUSING AREA MEDIAN
Colorado WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
COLORADO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lincoln County $14.58 $758 $30,320 1.2 $64,000 $1,600 $19,200 $480 480 32% $11.21 $583 1.3
Logan County $14.38 $748 $29,920 1.2 $60,800 $1,520 $18,240 $456 3,129 38% $13.17 $685 1.1
Mesa County $19.90 $1,035 $41,400 1.7 $67,700 $1,693 $20,310 $508 20,003 33% $12.92 $672 1.5
Mineral County $16.44 $855 $34,200 1.4 $75,500 $1,888 $22,650 $566 42 11% $9.96 $518 1.7
Moffat County $14.65 $762 $30,480 1.2 $72,700 $1,818 $21,810 $545 1,666 32% $16.57 $862 0.9
Montezuma County $15.13 $787 $31,480 1.3 $59,200 $1,480 $17,760 $444 3,069 29% $13.13 $683 1.2
Montrose County $15.71 $817 $32,680 1.3 $60,900 $1,523 $18,270 $457 5,014 29% $12.21 $635 1.3
Morgan County $15.21 $791 $31,640 1.3 $61,000 $1,525 $18,300 $458 3,850 36% $16.67 $867 0.9
Otero County $14.54 $756 $30,240 1.2 $48,400 $1,210 $14,520 $363 2,907 38% $11.43 $594 1.3
Ouray County $22.29 $1,159 $46,360 1.9 $76,300 $1,908 $22,890 $572 694 32% $12.87 $669 1.7
Park County $30.12 $1,566 $62,640 2.5 $100,000 $2,500 $30,000 $750 1,158 16% $9.53 $496 3.2
Phillips County $13.73 $714 $28,560 1.1 $68,200 $1,705 $20,460 $512 495 30% $17.45 $907 0.8
Pitkin County $30.37 $1,579 $63,160 2.5 $110,500 $2,763 $33,150 $829 2,490 35% $18.98 $987 1.6
Prowers County $13.73 $714 $28,560 1.1 $53,400 $1,335 $16,020 $401 1,796 36% $9.80 $510 1.4
Pueblo County $16.12 $838 $33,520 1.3 $61,200 $1,530 $18,360 $459 22,756 36% $12.56 $653 1.3
Rio Blanco County $15.50 $806 $32,240 1.3 $83,400 $2,085 $25,020 $626 722 30% $18.74 $975 0.8
Rio Grande County $13.73 $714 $28,560 1.1 $55,800 $1,395 $16,740 $419 1,522 34% $11.39 $592 1.2
Routt County $23.62 $1,228 $49,120 2.0 $87,200 $2,180 $26,160 $654 2,823 30% $15.74 $818 1.5
Saguache County $13.73 $714 $28,560 1.1 $48,200 $1,205 $14,460 $362 663 25% $13.57 $706 1.0
San Juan County $19.31 $1,004 $40,160 1.6 $64,600 $1,615 $19,380 $485 88 33% $11.22 $584 1.7
San Miguel County $26.10 $1,357 $54,280 2.2 $81,500 $2,038 $24,450 $611 1,360 40% $15.48 $805 1.7
Sedgwick County $13.73 $714 $28,560 1.1 $63,800 $1,595 $19,140 $479 289 28% $10.58 $550 1.3
Summit County $27.19 $1,414 $56,560 2.3 $95,900 $2,398 $28,770 $719 3,291 34% $14.96 $778 1.8
Teller County $21.46 $1,116 $44,640 1.8 $81,800 $2,045 $24,540 $614 1,941 19% $11.47 $597 1.9
Washington County $13.73 $714 $28,560 1.1 $64,200 $1,605 $19,260 $482 650 32% $18.17 $945 0.8
Weld County $20.12 $1,046 $41,840 1.7 $84,300 $2,108 $25,290 $632 27,957 27% $15.51 $806 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CO-46

 FY20 HOUSING AREA MEDIAN
Colorado WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
COLORADO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Yuma County $13.73 $714 $28,560 1.1 $54,100 $1,353 $16,230 $406 1,490 37% $13.84 $720 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CO-47

 CONNECTICUT #10* STATE
RANKING

In Connecticut, the Fair Market Rent (FMR) for a two-bedroom apartment

is $1,374. In order to afford this level of rent and utilities — without paying $26.42
more than 30% of income on housing — a household must earn $4,580 monthly PER HOUR
or $54,956 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT CONNECTICUT:

STATE FACTS 96
Work Hours Per Week At
78
Work Hours Per Week At
Minimum Wage $11.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.70
2-Bedroom Housing Wage $26.42
2.4 1.9
Number of Renter Households 460,240 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1374
$1109
$39.98
One bedroom FMR
Stamford-Norwalk HMFA
Rent affordable at area $2545
$33.63
median income (AMI)
Danbury HMFA Rent affordable with full-time job paying
mean renter wage
$921
Southern Middlesex County HMFA $27.87 Rent affordable at 30% of AMI $764

$27.06 $572
Rent affordable with full-time job
New Haven-Meriden HMFA paying minimum wage

$276
$26.46
Rent affordable to SSI recipient
Milford-Ansonia-Seymour HMFA
$0 $1000 $2000 $3000
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CT-48
TOWNS WITHIN CONNECTICUT FMR AREAS
BRIDGEPORT, CT HMFA
FAIRFIELD COUNTY
Bridgeport town, Easton town, Fairfield town, Monroe town, Shelton town, Stratford town, Trumbull town

COLCHESTER-LEBANON, CT HMFA
NEW LONDON COUNTY
Colchester town, Lebanon town

DANBURY, CT HMFA
FAIRFIELD COUNTY
Bethel town, Brookfield town, Danbury town, New Fairfield town, Newtown town, Redding town, Ridgefield town, Sherman town

HARTFORD-WEST HARTFORD-EAST HARTFORD, CT HMFA

HARTFORD COUNTY
Avon town, Berlin town, Bloomfield town, Bristol town, Burlington town, Canton town, East Granby town, East Hartford town, East
Windsor town, Enfield town, Farmington town, Glastonbury town, Granby town, Hartford town, Hartland town, Manchester town,
Marlborough town, New Britain town, Newington town, Plainville town, Rocky Hill town, Simsbury town, South Windsor town,
Southington town, Suffield town, West Hartford town, Wethersfield town, Windsor Locks town, Windsor town
MIDDLESEX COUNTY
Chester town, Cromwell town, Durham town, East Haddam town, East Hampton town, Haddam town, Middlefield town, Middletown
town, Portland town
TOLLAND COUNTY
Andover town, Bolton town, Columbia town, Coventry town, Ellington town, Hebron town, Mansfield town, Somers town, Stafford
town, Tolland town, Union town, Vernon town, Willington town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CT-49

MILFORD-ANSONIA-SEYMOUR, CT HMFA
NEW HAVEN COUNTY
Ansonia town, Beacon Falls town, Derby town, Milford town, Oxford town, Seymour town

NEW HAVEN-MERIDEN, CT HMFA

NEW HAVEN COUNTY
Bethany town, Branford town, Cheshire town, East Haven town, Guilford town, Hamden town, Madison town, Meriden town, New
Haven town, North Branford town, North Haven town, Orange town, Wallingford town, West Haven town, Woodbridge town

NORWICH-NEW LONDON, CT HMFA

NEW LONDON COUNTY
Bozrah town, East Lyme town, Franklin town, Griswold town, Groton town, Ledyard town, Lisbon town, Lyme town, Montville town,
New London town, North Stonington town, Norwich town, Old Lyme town, Preston town, Salem town, Sprague town, Stonington
town, Voluntown town, Waterford town

SOUTHERN MIDDLESEX COUNTY, CT HMFA

MIDDLESEX COUNTY
Clinton town, Deep River town, Essex town, Killingworth town, Old Saybrook town, Westbrook town

STAMFORD-NORWALK, CT HMFA
FAIRFIELD COUNTY
Darien town, Greenwich town, New Canaan town, Norwalk town, Stamford town, Weston town, Westport town, Wilton town

WATERBURY, CT HMFA
NEW HAVEN COUNTY
Middlebury town, Naugatuck town, Prospect town, Southbury town, Waterbury town, Wolcott town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CT-50

 FY20 HOUSING AREA MEDIAN
Connecticut WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
CONNECTICUT Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Connecticut $26.42 $1,374 $54,956 2.4 $101,816 $2,545 $30,545 $764 460,240 34% $17.70 $921 1.5
Combined Nonmetro Areas $22.69 $1,180 $47,200 2.1 $102,600 $2,565 $30,780 $770 16,908 23% $11.99 $623 1.9

Metropolitan Areas
Bridgeport HMFA $25.88 $1,346 $53,840 2.4 $98,000 $2,450 $29,400 $735 42,489 33% $22.45 $1,167 1.2
Colchester-Lebanon HMFA $23.69 $1,232 $49,280 2.2 $115,000 $2,875 $34,500 $863 1,689 19% $16.83 $875 1.4
Danbury HMFA $33.63 $1,749 $69,960 3.1 $122,000 $3,050 $36,600 $915 18,878 26% $22.45 $1,167 1.5
Hartford-West Hartford-East Hartford HMFA $23.65 $1,230 $49,200 2.2 $97,400 $2,435 $29,220 $731 152,962 34% $16.92 $880 1.4
Milford-Ansonia-Seymour HMFA $26.46 $1,376 $55,040 2.4 $108,200 $2,705 $32,460 $812 13,093 27% $15.50 $806 1.7
New Haven-Meriden HMFA $27.06 $1,407 $56,280 2.5 $91,200 $2,280 $27,360 $684 82,593 39% $15.50 $806 1.7
Norwich-New London HMFA $22.90 $1,191 $47,640 2.1 $91,800 $2,295 $27,540 $689 34,254 35% $16.83 $875 1.4
Southern Middlesex County HMFA $27.87 $1,449 $57,960 2.5 $112,000 $2,800 $33,600 $840 4,054 20% $14.42 $750 1.9
Stamford-Norwalk HMFA $39.98 $2,079 $83,160 3.6 $143,400 $3,585 $43,020 $1,076 49,955 36% $22.45 $1,167 1.8
Waterbury HMFA $21.52 $1,119 $44,760 2.0 $80,300 $2,008 $24,090 $602 29,876 41% $15.50 $806 1.4
Windham County HMFA $19.62 $1,020 $40,800 1.8 $86,900 $2,173 $26,070 $652 13,489 30% $10.71 $557 1.8

Counties
Litchfield County $22.69 $1,180 $47,200 2.1 $102,600 $2,565 $30,780 $770 16,908 23% $11.99 $623 1.9

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION CT-51

 DELAWARE #17* STATE
RANKING

In Delaware, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,142. In order to afford this level of rent and utilities — without paying more $21.96
than 30% of income on housing — a household must earn $3,806 monthly or PER HOUR
$45,669 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT DELAWARE:

STATE FACTS 95
Work Hours Per Week At
78
Work Hours Per Week At
Minimum Wage $9.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.83
2-Bedroom Housing Wage $21.96
2.4 2
Number of Renter Households 103,457 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 29%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1142
$940
$23.58
One bedroom FMR
New Castle County
Rent affordable at area $2159
$20.08
median income (AMI)
Kent County Rent affordable with full-time job paying
mean renter wage
$927
Sussex County $18.23 Rent affordable at 30% of AMI $648
Rent affordable with full-time job
paying minimum wage $481
Rent affordable to SSI recipient $235

MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION DE-52
 FY20 HOUSING AREA MEDIAN
Delaware WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
DELAWARE Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Delaware $21.96 $1,142 $45,669 2.4 $86,342 $2,159 $25,903 $648 103,457 29% $17.83 $927 1.2

Metropolitan Areas
$20.08 $1,044 $41,760 2.2 $68,400 $1,710 $20,520 $513 19,991 31%
Philadelphia-Camden-Wilmington MSA $23.58 $1,226 $49,040 2.5 $96,600 $2,415 $28,980 $725 65,193 32% $19.33 $1,005 1.2
Sussex County HMFA $18.23 $948 $37,920 2.0 $75,900 $1,898 $22,770 $569 18,273 20% $12.61 $656 1.4

Counties
$20.08 $1,044 $41,760 2.2 $68,400 $1,710 $20,520 $513 19,991 31%
New Castle County $23.58 $1,226 $49,040 2.5 $96,600 $2,415 $28,980 $725 65,193 32% $19.33 $1,005 1.2
Sussex County $18.23 $948 $37,920 2.0 $75,900 $1,898 $22,770 $569 18,273 20% $12.61 $656 1.4

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION DE-53

 DISTRICT OF COLUMBIA STATE
RANKING #4*
In District of Columbia, the Fair Market Rent (FMR) for a two-bedroom
apartment is $1,707. In order to afford this level of rent and utilities — without $32.83
paying more than 30% of income on housing — a household must earn $5,690 PER HOUR
monthly or $68,280 annually. Assuming a 40-hour work week, 52 weeks per STATE HOUSING
year, this level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT DISTRICT OF COLUMBIA:

STATE FACTS 88
Work Hours Per Week At
77
Work Hours Per Week At
Minimum Wage $15.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $29.20
2-Bedroom Housing Wage $32.83
2.2 1.9
Number of Renter Households 163,751 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 58%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1707
One bedroom FMR $1500
Rent affordable at area
median income (AMI)
$3150
Rent affordable with full-time job paying
mean renter wage
$1518
Rent affordable at 30% of AMI $945
Rent affordable with full-time job
paying minimum wage $780
Rent affordable to SSI recipient $235
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1500 $2500 $3500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION DC-54
 FY20 HOUSING AREA MEDIAN
Dis tr ict of Columb ia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
DISTRICT OF COLUMBIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

District of Columbia $32.83 $1,707 $68,280 2.2 $126,000 $3,150 $37,800 $945 163,751 58% $29.20 $1,518 1.1

Metropolitan Areas
Washington-Arlington-Alexandria HMFA $32.83 $1,707 $68,280 2.2 $126,000 $3,150 $37,800 $945 163,751 58% $29.20 $1,518 1.1

Counties
District of Columbia $32.83 $1,707 $68,280 2.2 $126,000 $3,150 $37,800 $945 163,751 58% $29.20 $1,518 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION DC-55

 FLORIDA #12* STATE
RANKING

In Florida, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,270. In order to afford this level of rent and utilities — without paying more $24.43
than 30% of income on housing — a household must earn $4,234 monthly or PER HOUR
$50,807 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT FLORIDA:

STATE FACTS 114
Work Hours Per Week At
92
Work Hours Per Week At
Minimum Wage $8.56 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.28
2-Bedroom Housing Wage $24.43
2.9 2.3
Number of Renter Households 2,667,159 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 35%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1270
$1027
$33.23
One bedroom FMR
Monroe County
Rent affordable at area $1717
$31.25
median income (AMI)
Miami-Miami Beach-Kendall HMFA Rent affordable with full-time job paying
mean renter wage
$898
Fort Lauderdale HMFA $29.38 Rent affordable at 30% of AMI $515

$28.96 $445
Rent affordable with full-time job
West Palm Beach-Boca Raton HMFA paying minimum wage

$235
$26.56
Rent affordable to SSI recipient
Naples-Immokalee-Marco Island MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-56
 FY20 HOUSING AREA MEDIAN
Florida WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
FLORIDA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Florida $24.43 $1,270 $50,807 2.9 $68,669 $1,717 $20,601 $515 2,667,159 35% $17.28 $898 1.4
Combined Nonmetro Areas $17.85 $928 $37,129 2.1 $52,881 $1,322 $15,864 $397 70,942 28% $12.64 $657 1.4

Metropolitan Areas
Baker County HMFA $15.15 $788 $31,520 1.8 $71,600 $1,790 $21,480 $537 2,101 24% $8.77 $456 1.7
Cape Coral-Fort Myers MSA $22.73 $1,182 $47,280 2.7 $68,700 $1,718 $20,610 $515 79,907 29% $15.93 $828 1.4
Crestview-Fort Walton Beach-Destin HMFA $21.46 $1,116 $44,640 2.5 $81,600 $2,040 $24,480 $612 28,637 37% $14.40 $749 1.5
Deltona-Daytona Beach-Ormond Beach HMFA $21.37 $1,111 $44,440 2.5 $64,900 $1,623 $19,470 $487 63,655 30% $13.35 $694 1.6
Fort Lauderdale HMFA $29.38 $1,528 $61,120 3.4 $74,800 $1,870 $22,440 $561 258,772 38% $19.44 $1,011 1.5
Gainesville MSA $18.67 $971 $38,840 2.2 $69,800 $1,745 $20,940 $524 44,924 43% $12.15 $632 1.5
Gulf County HMFA $16.31 $848 $33,920 1.9 $59,300 $1,483 $17,790 $445 1,322 25% $13.78 $717 1.2
Homosassa Springs MSA $16.42 $854 $34,160 1.9 $55,900 $1,398 $16,770 $419 11,643 19% $12.52 $651 1.3
Jacksonville HMFA $20.37 $1,059 $42,360 2.4 $75,000 $1,875 $22,500 $563 198,068 36% $17.80 $926 1.1
Lakelandnter Haven MSA $17.60 $915 $36,600 2.1 $58,800 $1,470 $17,640 $441 72,785 31% $15.81 $822 1.1
Miami-Miami Beach-Kendall HMFA $31.25 $1,625 $65,000 3.7 $59,100 $1,478 $17,730 $443 420,995 48% $19.09 $993 1.6
Naples-Immokalee-Marco Island MSA $26.56 $1,381 $55,240 3.1 $82,300 $2,058 $24,690 $617 38,513 27% $16.15 $840 1.6
North Port-Sarasota-Bradenton MSA $23.46 $1,220 $48,800 2.7 $76,700 $1,918 $23,010 $575 88,140 27% $16.83 $875 1.4
Ocala MSA $17.29 $899 $35,960 2.0 $55,000 $1,375 $16,500 $413 32,980 24% $14.19 $738 1.2
Orlando-Kissimmee-Sanford MSA $24.00 $1,248 $49,920 2.8 $68,100 $1,703 $20,430 $511 338,116 40% $17.21 $895 1.4
Palm Bay-Melbourne-Titusville MSA $20.73 $1,078 $43,120 2.4 $69,200 $1,730 $20,760 $519 62,063 27% $16.85 $876 1.2
Palm Coast HMFA $21.56 $1,121 $44,840 2.5 $65,600 $1,640 $19,680 $492 9,833 24% $12.79 $665 1.7
Panama City-Lynn Haven-Panama City Beach HMFA $18.06 $939 $37,560 2.1 $72,000 $1,800 $21,600 $540 25,654 37% $14.23 $740 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-57

 FY20 HOUSING AREA MEDIAN
Florida WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
FLORIDA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pensacola-Ferry Pass-Brent MSA $18.35 $954 $38,160 2.1 $65,900 $1,648 $19,770 $494 61,222 34% $15.29 $795 1.2
Port St. Lucie MSA $23.21 $1,207 $48,280 2.7 $67,500 $1,688 $20,250 $506 44,218 25% $15.17 $789 1.5
Punta Gorda MSA $19.65 $1,022 $40,880 2.3 $64,100 $1,603 $19,230 $481 15,603 20% $12.58 $654 1.6
Sebastian-Vero Beach MSA $19.58 $1,018 $40,720 2.3 $69,600 $1,740 $20,880 $522 12,565 22% $13.01 $677 1.5
Sebring MSA $16.29 $847 $33,880 1.9 $49,600 $1,240 $14,880 $372 10,113 25% $11.50 $598 1.4
Tallahassee HMFA $19.60 $1,019 $40,760 2.3 $72,700 $1,818 $21,810 $545 59,239 44% $13.00 $676 1.5
Tampa-St. Petersburg-Clearwater MSA $23.19 $1,206 $48,240 2.7 $69,200 $1,730 $20,760 $519 428,455 36% $18.16 $944 1.3
The Villages MSA $16.69 $868 $34,720 2.0 $67,500 $1,688 $20,250 $506 5,595 10% $11.86 $617 1.4
Wakulla County HMFA $17.94 $933 $37,320 2.1 $70,000 $1,750 $21,000 $525 2,141 19% $11.07 $576 1.6
Walton County HMFA $16.92 $880 $35,200 2.0 $66,300 $1,658 $19,890 $497 6,881 26% $12.95 $673 1.3
West Palm Beach-Boca Raton HMFA $28.96 $1,506 $60,240 3.4 $79,100 $1,978 $23,730 $593 172,077 31% $18.97 $986 1.5

Counties
Alachua County $18.67 $971 $38,840 2.2 $69,800 $1,745 $20,940 $524 43,854 45% $12.22 $636 1.5
Baker County $15.15 $788 $31,520 1.8 $71,600 $1,790 $21,480 $537 2,101 24% $8.77 $456 1.7
Bay County $18.06 $939 $37,560 2.1 $72,000 $1,800 $21,600 $540 25,654 37% $14.23 $740 1.3
Bradford County $14.35 $746 $29,840 1.7 $59,500 $1,488 $17,850 $446 2,825 31% $12.65 $658 1.1
Brevard County $20.73 $1,078 $43,120 2.4 $69,200 $1,730 $20,760 $519 62,063 27% $16.85 $876 1.2
Broward County $29.38 $1,528 $61,120 3.4 $74,800 $1,870 $22,440 $561 258,772 38% $19.44 $1,011 1.5
Calhoun County $13.73 $714 $28,560 1.6 $47,900 $1,198 $14,370 $359 802 18% $10.33 $537 1.3
Charlotte County $19.65 $1,022 $40,880 2.3 $64,100 $1,603 $19,230 $481 15,603 20% $12.58 $654 1.6
Citrus County $16.42 $854 $34,160 1.9 $55,900 $1,398 $16,770 $419 11,643 19% $12.52 $651 1.3
Clay County $20.37 $1,059 $42,360 2.4 $75,000 $1,875 $22,500 $563 19,294 26% $13.69 $712 1.5
Collier County $26.56 $1,381 $55,240 3.1 $82,300 $2,058 $24,690 $617 38,513 27% $16.15 $840 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-58

 FY20 HOUSING AREA MEDIAN
Florida WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
FLORIDA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Columbia County $16.90 $879 $35,160 2.0 $55,200 $1,380 $16,560 $414 6,657 27% $12.95 $673 1.3
DeSoto County $14.58 $758 $30,320 1.7 $42,700 $1,068 $12,810 $320 3,613 30% $12.43 $646 1.2
Dixie County $13.73 $714 $28,560 1.6 $44,600 $1,115 $13,380 $335 1,489 23% $10.11 $526 1.4
Duval County $20.37 $1,059 $42,360 2.4 $75,000 $1,875 $22,500 $563 153,499 43% $19.05 $990 1.1
Escambia County $18.35 $954 $38,160 2.1 $65,900 $1,648 $19,770 $494 46,142 39% $16.12 $838 1.1
Flagler County $21.56 $1,121 $44,840 2.5 $65,600 $1,640 $19,680 $492 9,833 24% $12.79 $665 1.7
Franklin County $15.12 $786 $31,440 1.8 $55,400 $1,385 $16,620 $416 1,046 24% $11.65 $606 1.3
Gadsden County $19.60 $1,019 $40,760 2.3 $72,700 $1,818 $21,810 $545 4,946 29% $10.58 $550 1.9
Gilchrist County $18.67 $971 $38,840 2.2 $69,800 $1,745 $20,940 $524 1,070 16% $9.05 $471 2.1
Glades County $15.23 $792 $31,680 1.8 $45,900 $1,148 $13,770 $344 911 21% $16.57 $862 0.9
Gulf County $16.31 $848 $33,920 1.9 $59,300 $1,483 $17,790 $445 1,322 25% $13.78 $717 1.2
Hamilton County $13.73 $714 $28,560 1.6 $44,600 $1,115 $13,380 $335 1,345 30% $15.56 $809 0.9
Hardee County $14.06 $731 $29,240 1.6 $49,000 $1,225 $14,700 $368 2,629 34% $12.63 $657 1.1
Hendry County $14.46 $752 $30,080 1.7 $47,400 $1,185 $14,220 $356 4,064 34% $13.23 $688 1.1
Hernando County $23.19 $1,206 $48,240 2.7 $69,200 $1,730 $20,760 $519 16,340 22% $13.27 $690 1.7
Highlands County $16.29 $847 $33,880 1.9 $49,600 $1,240 $14,880 $372 10,113 25% $11.50 $598 1.4
Hillsborough County $23.19 $1,206 $48,240 2.7 $69,200 $1,730 $20,760 $519 216,639 42% $19.33 $1,005 1.2
Holmes County $14.06 $731 $29,240 1.6 $51,600 $1,290 $15,480 $387 1,649 24% $7.53 $392 1.9
Indian River County $19.58 $1,018 $40,720 2.3 $69,600 $1,740 $20,880 $522 12,565 22% $13.01 $677 1.5
Jackson County $14.23 $740 $29,600 1.7 $51,000 $1,275 $15,300 $383 4,847 29% $9.15 $476 1.6
Jefferson County $19.60 $1,019 $40,760 2.3 $72,700 $1,818 $21,810 $545 1,285 22% $8.67 $451 2.3
Lafayette County $15.50 $806 $32,240 1.8 $60,100 $1,503 $18,030 $451 442 21% $7.40 $385 2.1
Lake County $24.00 $1,248 $49,920 2.8 $68,100 $1,703 $20,430 $511 33,429 26% $13.65 $710 1.8
Lee County $22.73 $1,182 $47,280 2.7 $68,700 $1,718 $20,610 $515 79,907 29% $15.93 $828 1.4
Leon County $19.60 $1,019 $40,760 2.3 $72,700 $1,818 $21,810 $545 53,008 47% $13.31 $692 1.5
Levy County $14.04 $730 $29,200 1.6 $47,500 $1,188 $14,250 $356 3,748 23% $10.13 $527 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-59

 FY20 HOUSING AREA MEDIAN
Florida WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
FLORIDA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Liberty County $13.73 $714 $28,560 1.6 $44,500 $1,113 $13,350 $334 588 25% $15.90 $827 0.9
Madison County $13.73 $714 $28,560 1.6 $44,000 $1,100 $13,200 $330 1,544 23% $9.03 $470 1.5
Manatee County $23.46 $1,220 $48,800 2.7 $76,700 $1,918 $23,010 $575 40,809 28% $14.58 $758 1.6
Marion County $17.29 $899 $35,960 2.0 $55,000 $1,375 $16,500 $413 32,980 24% $14.19 $738 1.2
Martin County $23.21 $1,207 $48,280 2.7 $67,500 $1,688 $20,250 $506 13,962 22% $15.25 $793 1.5
Miami-Dade County $31.25 $1,625 $65,000 3.7 $59,100 $1,478 $17,730 $443 420,995 48% $19.09 $993 1.6
Monroe County $33.23 $1,728 $69,120 3.9 $81,400 $2,035 $24,420 $611 12,517 40% $15.24 $792 2.2
Nassau County $20.37 $1,059 $42,360 2.4 $75,000 $1,875 $22,500 $563 6,724 22% $10.18 $529 2.0
Okaloosa County $21.46 $1,116 $44,640 2.5 $81,600 $2,040 $24,480 $612 28,637 37% $14.40 $749 1.5
Okeechobee County $16.04 $834 $33,360 1.9 $48,500 $1,213 $14,550 $364 3,885 28% $11.86 $617 1.4
Orange County $24.00 $1,248 $49,920 2.8 $68,100 $1,703 $20,430 $511 207,894 45% $17.90 $931 1.3
Osceola County $24.00 $1,248 $49,920 2.8 $68,100 $1,703 $20,430 $511 38,558 39% $14.09 $733 1.7
Palm Beach County $28.96 $1,506 $60,240 3.4 $79,100 $1,978 $23,730 $593 172,077 31% $18.97 $986 1.5
Pasco County $23.19 $1,206 $48,240 2.7 $69,200 $1,730 $20,760 $519 55,771 28% $14.27 $742 1.6
Pinellas County $23.19 $1,206 $48,240 2.7 $69,200 $1,730 $20,760 $519 139,705 34% $17.84 $928 1.3
Polk County $17.60 $915 $36,600 2.1 $58,800 $1,470 $17,640 $441 72,785 31% $15.81 $822 1.1
Putnam County $13.96 $726 $29,040 1.6 $41,600 $1,040 $12,480 $312 7,623 27% $10.76 $559 1.3
St. Johns County $20.37 $1,059 $42,360 2.4 $75,000 $1,875 $22,500 $563 18,551 22% $14.15 $736 1.4
St. Lucie County $23.21 $1,207 $48,280 2.7 $67,500 $1,688 $20,250 $506 30,256 27% $15.09 $785 1.5
Santa Rosa County $18.35 $954 $38,160 2.1 $65,900 $1,648 $19,770 $494 15,080 25% $12.31 $640 1.5
Sarasota County $23.46 $1,220 $48,800 2.7 $76,700 $1,918 $23,010 $575 47,331 26% $18.44 $959 1.3
Seminole County $24.00 $1,248 $49,920 2.8 $68,100 $1,703 $20,430 $511 58,235 35% $17.32 $901 1.4
Sumter County $16.69 $868 $34,720 2.0 $67,500 $1,688 $20,250 $506 5,595 10% $11.86 $617 1.4
Suwannee County $13.73 $714 $28,560 1.6 $51,700 $1,293 $15,510 $388 4,242 28% $11.16 $580 1.2
Taylor County $13.73 $714 $28,560 1.6 $49,100 $1,228 $14,730 $368 1,361 19% $15.74 $818 0.9
Union County $13.73 $714 $28,560 1.6 $49,700 $1,243 $14,910 $373 1,202 31% $13.83 $719 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-60

 FY20 HOUSING AREA MEDIAN
Florida WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
FLORIDA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Volusia County $21.37 $1,111 $44,440 2.5 $64,900 $1,623 $19,470 $487 63,655 30% $13.35 $694 1.6
Wakulla County $17.94 $933 $37,320 2.1 $70,000 $1,750 $21,000 $525 2,141 19% $11.07 $576 1.6
Walton County $16.92 $880 $35,200 2.0 $66,300 $1,658 $19,890 $497 6,881 26% $12.95 $673 1.3
Washington County $13.73 $714 $28,560 1.6 $50,700 $1,268 $15,210 $380 1,913 23% $12.51 $650 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION FL-61

 GEORGIA #27* STATE
RANKING

In Georgia, the Fair Market Rent (FMR) for a two-bedroom apartment is

$994. In order to afford this level of rent and utilities — without paying more $19.11
than 30% of income on housing — a household must earn $3,313 monthly or PER HOUR
$39,758 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT GEORGIA:

STATE FACTS 105
Work Hours Per Week At
91
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.51
2-Bedroom Housing Wage $19.11
2.6 2.3
Number of Renter Households 1,369,507 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 37%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $994
$858
$22.44
One bedroom FMR
Atlanta-Sandy Springs-Roswell HMFA
Rent affordable at area
$1806
$19.42
median income (AMI)
Savannah MSA Rent affordable with full-time job paying
mean renter wage
$911
Morgan County $17.65 Rent affordable at 30% of AMI $542
$17.58 $377
Rent affordable with full-time job
Butts County paying minimum wage

$235
$17.27
Rent affordable to SSI recipient
Hall County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-62
 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Georgia $19.11 $994 $39,758 2.6 $72,224 $1,806 $21,667 $542 1,369,507 37% $17.51 $911 1.1
Combined Nonmetro Areas $13.28 $691 $27,622 1.8 $52,282 $1,307 $15,684 $392 217,779 34% $11.61 $604 1.1

Metropolitan Areas
Albany MSA $14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 26,395 46% $13.62 $708 1.0
Athens-Clarke County MSA $16.31 $848 $33,920 2.2 $65,600 $1,640 $19,680 $492 34,843 45% $13.46 $700 1.2
Atlanta-Sandy Springs-Roswell HMFA $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 749,589 37% $20.01 $1,041 1.1
Augusta-Richmond County HMFA $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 49,120 36% $14.30 $743 1.1
Brunswick MSA $15.12 $786 $31,440 2.1 $71,200 $1,780 $21,360 $534 15,407 33% $12.55 $653 1.2
Butts County HMFA $17.58 $914 $36,560 2.4 $51,600 $1,290 $15,480 $387 2,316 28% $12.43 $646 1.4
Chattanooga MSA $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 14,932 26% $11.53 $600 1.4
Columbus MSA $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 42,370 47% $15.53 $808 1.0
Dalton HMFA $13.92 $724 $28,960 1.9 $53,100 $1,328 $15,930 $398 13,302 37% $15.74 $819 0.9
Gainesville MSA $17.27 $898 $35,920 2.4 $75,500 $1,888 $22,650 $566 20,060 31% $16.19 $842 1.1
Haralson County HMFA $16.04 $834 $33,360 2.2 $57,300 $1,433 $17,190 $430 3,523 32% $14.51 $754 1.1
Hinesville HMFA $17.10 $889 $35,560 2.4 $50,200 $1,255 $15,060 $377 12,900 56% $16.07 $835 1.1
Lamar County HMFA $14.73 $766 $30,640 2.0 $57,300 $1,433 $17,190 $430 1,944 31% $9.68 $504 1.5
Lincoln County HMFA $12.92 $672 $26,880 1.8 $52,000 $1,300 $15,600 $390 947 28% $9.59 $499 1.3
Long County HMFA $13.12 $682 $27,280 1.8 $59,100 $1,478 $17,730 $443 1,703 30% $9.17 $477 1.4
Macon HMFA $14.83 $771 $30,840 2.0 $59,000 $1,475 $17,700 $443 31,254 41% $13.04 $678 1.1
Meriwether County HMFA $15.90 $827 $33,080 2.2 $51,700 $1,293 $15,510 $388 2,681 33% $11.79 $613 1.3
Monroe County HMFA $13.83 $719 $28,760 1.9 $70,600 $1,765 $21,180 $530 2,040 21% $12.85 $668 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-63

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Morgan County HMFA $17.65 $918 $36,720 2.4 $68,000 $1,700 $20,400 $510 1,682 25% $10.91 $567 1.6
Murray County HMFA $13.35 $694 $27,760 1.8 $51,400 $1,285 $15,420 $386 4,338 31% $11.53 $600 1.2
Peach County HMFA $13.96 $726 $29,040 1.9 $59,500 $1,488 $17,850 $446 3,716 37% $10.73 $558 1.3
Pulaski County HMFA $12.52 $651 $26,040 1.7 $52,500 $1,313 $15,750 $394 1,416 37% $11.08 $576 1.1
Rome MSA $14.52 $755 $30,200 2.0 $58,700 $1,468 $17,610 $440 14,164 40% $13.96 $726 1.0
Savannah MSA $19.42 $1,010 $40,400 2.7 $72,000 $1,800 $21,600 $540 58,370 41% $15.79 $821 1.2
Valdosta MSA $13.85 $720 $28,800 1.9 $55,400 $1,385 $16,620 $416 22,726 44% $11.30 $588 1.2
Warner Robins HMFA $17.21 $895 $35,800 2.4 $69,600 $1,740 $20,880 $522 19,990 36% $11.59 $603 1.5

Counties
Appling County $12.52 $651 $26,040 1.7 $49,600 $1,240 $14,880 $372 1,801 27% $19.47 $1,013 0.6
Atkinson County $12.52 $651 $26,040 1.7 $37,500 $938 $11,250 $281 692 25% $11.86 $617 1.1
Bacon County $12.52 $651 $26,040 1.7 $49,200 $1,230 $14,760 $369 1,255 32% $11.22 $584 1.1
$14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 446 32%
Baldwin County $13.81 $718 $28,720 1.9 $54,900 $1,373 $16,470 $412 7,116 44% $7.58 $394 1.8
Banks County $12.85 $668 $26,720 1.8 $51,800 $1,295 $15,540 $389 1,597 24% $11.39 $592 1.1
Barrow County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 6,912 27% $13.13 $683 1.7
Bartow County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 12,695 34% $15.57 $810 1.4
Ben Hill County $12.52 $651 $26,040 1.7 $39,500 $988 $11,850 $296 2,664 41% $11.75 $611 1.1
Berrien County $12.52 $651 $26,040 1.7 $47,900 $1,198 $14,370 $359 2,426 33% $12.25 $637 1.0
Bibb County $14.83 $771 $30,840 2.0 $59,000 $1,475 $17,700 $443 27,498 47% $13.31 $692 1.1
Bleckley County $12.52 $651 $26,040 1.7 $53,400 $1,335 $16,020 $401 1,184 28% $7.38 $384 1.7
Brantley County $15.12 $786 $31,440 2.1 $71,200 $1,780 $21,360 $534 1,293 20% $11.26 $586 1.3
Brooks County $13.85 $720 $28,800 1.9 $55,400 $1,385 $16,620 $416 1,602 25% $13.35 $694 1.0
Bryan County $19.42 $1,010 $40,400 2.7 $72,000 $1,800 $21,600 $540 3,810 30% $9.04 $470 2.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-64

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Bulloch County $13.63 $709 $28,360 1.9 $54,900 $1,373 $16,470 $412 12,542 47% $9.95 $517 1.4
Burke County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 2,410 29% $22.14 $1,151 0.7
Butts County $17.58 $914 $36,560 2.4 $51,600 $1,290 $15,480 $387 2,316 28% $12.43 $646 1.4
Calhoun County $12.52 $651 $26,040 1.7 $39,600 $990 $11,880 $297 627 34% $10.08 $524 1.2
Camden County $16.40 $853 $34,120 2.3 $63,000 $1,575 $18,900 $473 7,330 38% $13.23 $688 1.2
Candler County $12.52 $651 $26,040 1.7 $39,300 $983 $11,790 $295 1,587 40% $8.43 $438 1.5
Carroll County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 14,300 35% $14.22 $740 1.6
Catoosa County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 6,156 25% $10.70 $556 1.5
Charlton County $12.52 $651 $26,040 1.7 $57,700 $1,443 $17,310 $433 955 27% $8.43 $438 1.5
Chatham County $19.42 $1,010 $40,400 2.7 $72,000 $1,800 $21,600 $540 49,606 46% $16.18 $842 1.2
Chattahoochee County $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 1,887 74% $25.39 $1,320 0.6
Chattooga County $12.52 $651 $26,040 1.7 $46,800 $1,170 $14,040 $351 3,018 33% $13.53 $704 0.9
Cherokee County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 20,124 23% $12.36 $643 1.8
Clarke County $16.31 $848 $33,920 2.2 $65,600 $1,640 $19,680 $492 28,804 61% $14.26 $742 1.1
Clay County $12.52 $651 $26,040 1.7 $37,400 $935 $11,220 $281 433 36% $7.71 $401 1.6
Clayton County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 45,896 49% $23.08 $1,200 1.0
Clinch County $12.52 $651 $26,040 1.7 $46,300 $1,158 $13,890 $347 698 28% $12.98 $675 1.0
Cobb County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 99,060 36% $19.57 $1,018 1.1
Coffee County $12.52 $651 $26,040 1.7 $48,900 $1,223 $14,670 $367 4,876 34% $12.57 $654 1.0
Colquitt County $12.52 $651 $26,040 1.7 $42,500 $1,063 $12,750 $319 5,958 39% $11.26 $586 1.1
Columbia County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 9,814 21% $12.18 $634 1.3
Cook County $12.52 $651 $26,040 1.7 $44,400 $1,110 $13,320 $333 2,043 33% $10.35 $538 1.2
Coweta County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 14,293 28% $11.84 $616 1.9
Crawford County $14.83 $771 $30,840 2.0 $59,000 $1,475 $17,700 $443 1,040 22% $11.93 $620 1.2
Crisp County $12.52 $651 $26,040 1.7 $41,700 $1,043 $12,510 $313 3,539 42% $9.68 $504 1.3
Dade County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 1,560 26% $14.49 $753 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-65

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Dawson County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 1,594 18% $8.37 $435 2.7
Decatur County $12.52 $651 $26,040 1.7 $50,400 $1,260 $15,120 $378 4,392 43% $9.99 $520 1.3
DeKalb County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 126,917 46% $19.93 $1,036 1.1
Dodge County $12.52 $651 $26,040 1.7 $49,900 $1,248 $14,970 $374 2,603 34% $10.10 $525 1.2
Dooly County $12.52 $651 $26,040 1.7 $48,800 $1,220 $14,640 $366 1,468 30% $10.24 $533 1.2
Dougherty County $14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 18,983 55% $14.14 $735 1.0
Douglas County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 17,441 36% $13.54 $704 1.7
Early County $12.52 $651 $26,040 1.7 $42,700 $1,068 $12,810 $320 1,394 34% $15.80 $822 0.8
Echols County $13.85 $720 $28,800 1.9 $55,400 $1,385 $16,620 $416 470 30% $12.43 $647 1.1
Effingham County $19.42 $1,010 $40,400 2.7 $72,000 $1,800 $21,600 $540 4,954 24% $14.67 $763 1.3
Elbert County $12.52 $651 $26,040 1.7 $47,500 $1,188 $14,250 $356 2,025 27% $9.76 $507 1.3
Emanuel County $12.52 $651 $26,040 1.7 $43,700 $1,093 $13,110 $328 2,885 34% $10.47 $545 1.2
Evans County $12.52 $651 $26,040 1.7 $52,200 $1,305 $15,660 $392 1,336 33% $11.07 $576 1.1
Fannin County $13.73 $714 $28,560 1.9 $59,800 $1,495 $17,940 $449 2,286 22% $10.69 $556 1.3
Fayette County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 7,381 19% $13.05 $679 1.7
Floyd County $14.52 $755 $30,200 2.0 $58,700 $1,468 $17,610 $440 14,164 40% $13.96 $726 1.0
Forsyth County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 12,046 16% $13.62 $708 1.6
Franklin County $12.52 $651 $26,040 1.7 $52,400 $1,310 $15,720 $393 2,843 34% $10.58 $550 1.2
Fulton County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 193,973 48% $24.91 $1,296 0.9
Gilmer County $14.33 $745 $29,800 2.0 $58,400 $1,460 $17,520 $438 2,930 25% $8.79 $457 1.6
Glascock County $12.52 $651 $26,040 1.7 $64,000 $1,600 $19,200 $480 265 24% $9.49 $494 1.3
Glynn County $15.12 $786 $31,440 2.1 $71,200 $1,780 $21,360 $534 12,772 38% $12.75 $663 1.2
Gordon County $12.56 $653 $26,120 1.7 $50,200 $1,255 $15,060 $377 7,307 36% $13.92 $724 0.9
Grady County $12.90 $671 $26,840 1.8 $48,400 $1,210 $14,520 $363 3,112 34% $11.05 $575 1.2
Greene County $13.06 $679 $27,160 1.8 $63,500 $1,588 $19,050 $476 2,009 29% $11.64 $605 1.1
Gwinnett County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 97,546 34% $18.06 $939 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-66

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Habersham County $13.52 $703 $28,120 1.9 $58,000 $1,450 $17,400 $435 3,528 23% $12.10 $629 1.1
Hall County $17.27 $898 $35,920 2.4 $75,500 $1,888 $22,650 $566 20,060 31% $16.19 $842 1.1
Hancock County $12.52 $651 $26,040 1.7 $35,200 $880 $10,560 $264 803 27% $11.62 $604 1.1
Haralson County $16.04 $834 $33,360 2.2 $57,300 $1,433 $17,190 $430 3,523 32% $14.51 $754 1.1
Harris County $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 1,701 14% $7.99 $416 1.9
Hart County $12.83 $667 $26,680 1.8 $55,300 $1,383 $16,590 $415 2,386 24% $11.15 $580 1.2
Heard County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 1,357 30% $14.61 $760 1.5
Henry County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 20,994 28% $12.61 $656 1.8
Houston County $17.21 $895 $35,800 2.4 $69,600 $1,740 $20,880 $522 19,990 36% $11.59 $603 1.5
Irwin County $12.52 $651 $26,040 1.7 $51,800 $1,295 $15,540 $389 849 26% $11.01 $573 1.1
Jackson County $14.79 $769 $30,760 2.0 $81,000 $2,025 $24,300 $608 4,949 22% $10.90 $567 1.4
Jasper County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 1,289 25% $11.30 $587 2.0
Jeff Davis County $12.52 $651 $26,040 1.7 $47,300 $1,183 $14,190 $355 1,678 32% $12.59 $655 1.0
Jefferson County $12.52 $651 $26,040 1.7 $43,900 $1,098 $13,170 $329 1,910 34% $10.11 $526 1.2
Jenkins County $12.52 $651 $26,040 1.7 $41,500 $1,038 $12,450 $311 1,015 30% $11.25 $585 1.1
Johnson County $12.52 $651 $26,040 1.7 $51,100 $1,278 $15,330 $383 1,068 32% $7.54 $392 1.7
Jones County $14.83 $771 $30,840 2.0 $59,000 $1,475 $17,700 $443 2,090 20% $8.41 $437 1.8
Lamar County $14.73 $766 $30,640 2.0 $57,300 $1,433 $17,190 $430 1,944 31% $9.68 $504 1.5
Lanier County $13.85 $720 $28,800 1.9 $55,400 $1,385 $16,620 $416 1,342 36% $8.06 $419 1.7
Laurens County $12.52 $651 $26,040 1.7 $45,700 $1,143 $13,710 $343 6,411 37% $10.55 $549 1.2
Lee County $14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 2,861 28% $11.84 $616 1.2
Liberty County $17.10 $889 $35,560 2.4 $50,200 $1,255 $15,060 $377 12,900 56% $16.07 $835 1.1
Lincoln County $12.92 $672 $26,880 1.8 $52,000 $1,300 $15,600 $390 947 28% $9.59 $499 1.3
Long County $13.12 $682 $27,280 1.8 $59,100 $1,478 $17,730 $443 1,703 30% $9.17 $477 1.4
Lowndes County $13.85 $720 $28,800 1.9 $55,400 $1,385 $16,620 $416 19,312 48% $11.22 $583 1.2
Lumpkin County $16.21 $843 $33,720 2.2 $59,800 $1,495 $17,940 $449 3,737 32% $8.83 $459 1.8

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-67

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

McDuffie County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 3,173 39% $9.66 $502 1.7
McIntosh County $15.12 $786 $31,440 2.1 $71,200 $1,780 $21,360 $534 1,342 22% $8.77 $456 1.7
Macon County $12.52 $651 $26,040 1.7 $41,700 $1,043 $12,510 $313 1,636 35% $13.08 $680 1.0
Madison County $16.31 $848 $33,920 2.2 $65,600 $1,640 $19,680 $492 2,583 24% $9.14 $475 1.8
Marion County $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 874 26% $11.36 $591 1.3
Meriwether County $15.90 $827 $33,080 2.2 $51,700 $1,293 $15,510 $388 2,681 33% $11.79 $613 1.3
Miller County $13.27 $690 $27,600 1.8 $49,800 $1,245 $14,940 $374 757 33% $8.13 $423 1.6
Mitchell County $12.52 $651 $26,040 1.7 $43,300 $1,083 $12,990 $325 2,913 37% $12.06 $627 1.0
Monroe County $13.83 $719 $28,760 1.9 $70,600 $1,765 $21,180 $530 2,040 21% $12.85 $668 1.1
Montgomery County $12.52 $651 $26,040 1.7 $51,100 $1,278 $15,330 $383 842 28% $9.37 $487 1.3
Morgan County $17.65 $918 $36,720 2.4 $68,000 $1,700 $20,400 $510 1,682 25% $10.91 $567 1.6
Murray County $13.35 $694 $27,760 1.8 $51,400 $1,285 $15,420 $386 4,338 31% $11.53 $600 1.2
Muscogee County $15.19 $790 $31,600 2.1 $62,300 $1,558 $18,690 $467 37,908 52% $15.70 $816 1.0
Newton County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 11,831 32% $13.32 $692 1.7
Oconee County $16.31 $848 $33,920 2.2 $65,600 $1,640 $19,680 $492 2,266 17% $10.93 $569 1.5
Oglethorpe County $16.31 $848 $33,920 2.2 $65,600 $1,640 $19,680 $492 1,190 21% $9.78 $508 1.7
Paulding County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 12,376 24% $11.87 $617 1.9
Peach County $13.96 $726 $29,040 1.9 $59,500 $1,488 $17,850 $446 3,716 37% $10.73 $558 1.3
Pickens County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 2,854 24% $13.33 $693 1.7
Pierce County $12.52 $651 $26,040 1.7 $53,500 $1,338 $16,050 $401 1,684 24% $9.49 $493 1.3
Pike County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 1,049 17% $11.64 $605 1.9
Polk County $14.04 $730 $29,200 1.9 $53,000 $1,325 $15,900 $398 5,251 35% $11.43 $594 1.2
Pulaski County $12.52 $651 $26,040 1.7 $52,500 $1,313 $15,750 $394 1,416 37% $11.08 $576 1.1
Putnam County $14.75 $767 $30,680 2.0 $60,900 $1,523 $18,270 $457 1,913 22% $9.30 $483 1.6
Quitman County $12.52 $651 $26,040 1.7 $39,700 $993 $11,910 $298 292 31% $9.10 $473 1.4
Rabun County $13.35 $694 $27,760 1.8 $54,400 $1,360 $16,320 $408 1,653 25% $9.14 $475 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-68

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Randolph County $13.08 $680 $27,200 1.8 $37,900 $948 $11,370 $284 1,114 43% $12.12 $630 1.1
Richmond County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 33,723 47% $14.29 $743 1.1
Rockdale County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 9,736 32% $16.42 $854 1.4
Schley County $12.52 $651 $26,040 1.7 $48,200 $1,205 $14,460 $362 568 30% $11.17 $581 1.1
Screven County $12.52 $651 $26,040 1.7 $48,100 $1,203 $14,430 $361 1,479 28% $9.64 $501 1.3
Seminole County $13.33 $693 $27,720 1.8 $45,400 $1,135 $13,620 $341 1,049 32% $14.11 $734 0.9
Spalding County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 9,614 40% $12.16 $632 1.8
Stephens County $12.52 $651 $26,040 1.7 $57,900 $1,448 $17,370 $434 2,861 30% $11.49 $597 1.1
Stewart County $12.52 $651 $26,040 1.7 $30,100 $753 $9,030 $226 535 29% $12.74 $662 1.0
Sumter County $13.65 $710 $28,400 1.9 $44,200 $1,105 $13,260 $332 5,197 44% $12.27 $638 1.1
Talbot County $12.65 $658 $26,320 1.7 $49,000 $1,225 $14,700 $368 591 21% $11.84 $615 1.1
$12.94 $673 $26,920 1.8 $44,000 $1,100 $13,200 $330 189 31%
Tattnall County $12.52 $651 $26,040 1.7 $50,100 $1,253 $15,030 $376 2,809 34% $14.14 $735 0.9
Taylor County $12.52 $651 $26,040 1.7 $37,900 $948 $11,370 $284 987 29% $10.40 $541 1.2
Telfair County $12.52 $651 $26,040 1.7 $38,400 $960 $11,520 $288 1,892 38% $12.45 $648 1.0
Terrell County $14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 1,406 43% $10.66 $554 1.3
Thomas County $14.98 $779 $31,160 2.1 $53,900 $1,348 $16,170 $404 6,389 37% $14.29 $743 1.0
Tift County $12.52 $651 $26,040 1.7 $50,000 $1,250 $15,000 $375 6,175 41% $11.48 $597 1.1
Toombs County $12.52 $651 $26,040 1.7 $50,300 $1,258 $15,090 $377 4,288 41% $10.99 $572 1.1
Towns County $13.62 $708 $28,320 1.9 $54,900 $1,373 $16,470 $412 917 19% $10.39 $540 1.3
Treutlen County $12.52 $651 $26,040 1.7 $55,400 $1,385 $16,620 $416 768 29% $11.99 $623 1.0
Troup County $15.12 $786 $31,440 2.1 $60,600 $1,515 $18,180 $455 10,611 43% $14.21 $739 1.1
Turner County $12.52 $651 $26,040 1.7 $49,600 $1,240 $14,880 $372 982 32% $6.33 $329 2.0
Twiggs County $14.83 $771 $30,840 2.0 $59,000 $1,475 $17,700 $443 626 21% $10.84 $564 1.4
Union County $12.87 $669 $26,760 1.8 $59,200 $1,480 $17,760 $444 2,001 22% $10.31 $536 1.2
Upson County $13.23 $688 $27,520 1.8 $50,600 $1,265 $15,180 $380 3,489 34% $11.70 $608 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-69

 FY20 HOUSING AREA MEDIAN
Georgia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
GEORGIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Walker County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 7,216 28% $11.61 $604 1.4
Walton County $22.44 $1,167 $46,680 3.1 $82,700 $2,068 $24,810 $620 8,311 27% $11.45 $595 2.0
Ware County $12.52 $651 $26,040 1.7 $47,700 $1,193 $14,310 $358 4,864 35% $10.94 $569 1.1
Warren County $12.52 $651 $26,040 1.7 $48,800 $1,220 $14,640 $366 754 32% $11.14 $580 1.1
Washington County $12.52 $651 $26,040 1.7 $49,200 $1,230 $14,760 $369 2,452 33% $11.60 $603 1.1
Wayne County $12.52 $651 $26,040 1.7 $54,300 $1,358 $16,290 $407 3,739 36% $11.96 $622 1.0
Webster County $12.52 $651 $26,040 1.7 $53,800 $1,345 $16,140 $404 230 21% $13.18 $685 0.9
Wheeler County $12.52 $651 $26,040 1.7 $40,700 $1,018 $12,210 $305 747 39% $9.68 $503 1.3
White County $13.81 $718 $28,720 1.9 $55,300 $1,383 $16,590 $415 2,875 25% $11.42 $594 1.2
Whitfield County $13.92 $724 $28,960 1.9 $53,100 $1,328 $15,930 $398 13,302 37% $15.74 $819 0.9
Wilcox County $12.52 $651 $26,040 1.7 $49,500 $1,238 $14,850 $371 626 24% $7.95 $413 1.6
Wilkes County $13.04 $678 $27,120 1.8 $52,200 $1,305 $15,660 $392 1,331 34% $11.94 $621 1.1
Wilkinson County $12.54 $652 $26,080 1.7 $53,500 $1,338 $16,050 $401 799 25% $11.17 $581 1.1
Worth County $14.23 $740 $29,600 2.0 $52,300 $1,308 $15,690 $392 2,699 34% $10.43 $542 1.4

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION GA-70

 HAWAII #1* STATE
RANKING

In Hawaii, the Fair Market Rent (FMR) for a two-bedroom apartment is

$2,015. In order to afford this level of rent and utilities — without paying more $38.76
than 30% of income on housing — a household must earn $6,718 monthly or PER HOUR
$80,613 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT HAWAII:

STATE FACTS 153
Work Hours Per Week At
117
Work Hours Per Week At
Minimum Wage $10.10 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.17
2-Bedroom Housing Wage $38.76
3.8 2.9
Number of Renter Households 190,420 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 42%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $2015
$1541
$41.54
One bedroom FMR
Honolulu MSA
Rent affordable at area $2429
$36.17
median income (AMI)
Kauai County Rent affordable with full-time
job paying mean renter wage
$893
Kalawao County $33.83 Rent affordable at 30% of AMI $729

$33.83 $525
Rent affordable with full-time job
Maui County paying minimum wage

$235
$27.48
Rent affordable to SSI recipient
Hawaii County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION HI-71
 FY20 HOUSING AREA MEDIAN
Ha waii WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
HAWAII Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Hawaii $38.76 $2,015 $80,613 3.8 $97,168 $2,429 $29,151 $729 190,420 42% $17.17 $893 2.3
Combined Nonmetro Areas $29.81 $1,550 $62,015 3.0 $81,789 $2,045 $24,537 $613 30,958 34% $14.63 $761 2.0

Metropolitan Areas
Honolulu MSA $41.54 $2,160 $86,400 4.1 $101,600 $2,540 $30,480 $762 137,828 44% $18.05 $939 2.3
$33.83 $1,759 $70,360 3.3 $97,500 $2,438 $29,250 $731 45 96%
Maui County HMFA $33.83 $1,759 $70,360 3.3 $97,500 $2,438 $29,250 $731 21,589 40% $15.49 $806 2.2

Counties
Hawaii County $27.48 $1,429 $57,160 2.7 $75,200 $1,880 $22,560 $564 22,645 33% $14.67 $763 1.9
Honolulu County $41.54 $2,160 $86,400 4.1 $101,600 $2,540 $30,480 $762 137,828 44% $18.05 $939 2.3
$33.83 $1,759 $70,360 3.3 $97,500 $2,438 $29,250 $731 45 96%
Kauai County $36.17 $1,881 $75,240 3.6 $101,800 $2,545 $30,540 $764 8,313 37% $14.56 $757 2.5
Maui County $33.83 $1,759 $70,360 3.3 $97,500 $2,438 $29,250 $731 21,589 40% $15.49 $806 2.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION HI-72

 IDAHO #36* STATE
RANKING

In Idaho, the Fair Market Rent (FMR) for a two-bedroom apartment is

$863. In order to afford this level of rent and utilities — without paying more $16.59
than 30% of income on housing — a household must earn $2,876 monthly or PER HOUR
$34,511 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT IDAHO:

STATE FACTS 92
Work Hours Per Week At
72
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.26
2-Bedroom Housing Wage $16.59
2.3 1.8
Number of Renter Households 190,031 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $863
$680
$20.04
One bedroom FMR
Blaine County
Rent affordable at area $1709
$18.10
median income (AMI)
Boise City HMFA Rent affordable with full-time job paying
mean renter wage
$689
Coeur d’Alene MSA $17.83 Rent affordable at 30% of AMI $513

$17.75 $377
Rent affordable with full-time job
Teton County paying minimum wage

$251
$16.69
Rent affordable to SSI recipient
Lewiston MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ID-73
 FY20 HOUSING AREA MEDIAN
Idaho WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IDAHO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Idaho $16.59 $863 $34,511 2.3 $68,372 $1,709 $20,511 $513 190,031 31% $13.26 $689 1.3
Combined Nonmetro Areas $15.01 $780 $31,212 2.1 $59,917 $1,498 $17,975 $449 63,683 31% $11.53 $599 1.3

Metropolitan Areas
Boise City HMFA $18.10 $941 $37,640 2.5 $74,800 $1,870 $22,440 $561 77,681 31% $14.47 $753 1.3
Butte County HMFA $15.33 $797 $31,880 2.1 $55,200 $1,380 $16,560 $414 166 16% $34.06 $1,771 0.4
Coeur d'Alene MSA $17.83 $927 $37,080 2.5 $70,400 $1,760 $21,120 $528 17,862 30% $13.54 $704 1.3
Gem County HMFA $16.42 $854 $34,160 2.3 $53,200 $1,330 $15,960 $399 1,747 27% $7.67 $399 2.1
Idaho Falls HMFA $15.23 $792 $31,680 2.1 $70,500 $1,763 $21,150 $529 13,467 28% $11.69 $608 1.3
Lewiston MSA $16.69 $868 $34,720 2.3 $73,900 $1,848 $22,170 $554 4,804 29% $11.66 $606 1.4
Logan MSA $13.77 $716 $28,640 1.9 $71,000 $1,775 $21,300 $533 824 19% $9.86 $513 1.4
Pocatello MSA $14.83 $771 $30,840 2.0 $66,000 $1,650 $19,800 $495 9,797 32% $10.03 $521 1.5

Counties
Ada County $18.10 $941 $37,640 2.5 $74,800 $1,870 $22,440 $561 53,372 32% $15.19 $790 1.2
Adams County $13.73 $714 $28,560 1.9 $59,300 $1,483 $17,790 $445 325 19% $12.99 $675 1.1
Bannock County $14.83 $771 $30,840 2.0 $66,000 $1,650 $19,800 $495 9,797 32% $10.03 $521 1.5
Bear Lake County $13.73 $714 $28,560 1.9 $65,700 $1,643 $19,710 $493 547 23% $6.08 $316 2.3
Benewah County $15.10 $785 $31,400 2.1 $54,900 $1,373 $16,470 $412 899 27% $12.65 $658 1.2
Bingham County $14.31 $744 $29,760 2.0 $64,200 $1,605 $19,260 $482 3,598 24% $11.06 $575 1.3
Blaine County $20.04 $1,042 $41,680 2.8 $78,400 $1,960 $23,520 $588 2,481 30% $13.56 $705 1.5
Boise County $18.10 $941 $37,640 2.5 $74,800 $1,870 $22,440 $561 502 16% $8.34 $433 2.2
Bonner County $15.56 $809 $32,360 2.1 $61,500 $1,538 $18,450 $461 4,507 26% $11.63 $605 1.3
Bonneville County $15.23 $792 $31,680 2.1 $70,500 $1,763 $21,150 $529 11,709 30% $11.46 $596 1.3
Boundary County $13.73 $714 $28,560 1.9 $63,900 $1,598 $19,170 $479 1,149 25% $12.47 $649 1.1
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ID-74

 FY20 HOUSING AREA MEDIAN
Idaho WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IDAHO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Butte County $15.33 $797 $31,880 2.1 $55,200 $1,380 $16,560 $414 166 16% $34.06 $1,771 0.4
Camas County $13.73 $714 $28,560 1.9 $57,200 $1,430 $17,160 $429 89 25% $20.04 $1,042 0.7
Canyon County $18.10 $941 $37,640 2.5 $74,800 $1,870 $22,440 $561 22,557 32% $12.12 $630 1.5
Caribou County $13.73 $714 $28,560 1.9 $70,400 $1,760 $21,120 $528 531 20% $15.58 $810 0.9
Cassia County $13.83 $719 $28,760 1.9 $55,800 $1,395 $16,740 $419 2,396 30% $12.68 $659 1.1
$14.81 $770 $30,800 2.0 $60,900 $1,523 $18,270 $457 115 38%
Clearwater County $15.06 $783 $31,320 2.1 $55,600 $1,390 $16,680 $417 881 24% $13.01 $677 1.2
Custer County $14.00 $728 $29,120 1.9 $53,900 $1,348 $16,170 $404 444 25% $9.53 $496 1.5
Elmore County $15.27 $794 $31,760 2.1 $57,000 $1,425 $17,100 $428 4,313 42% $11.69 $608 1.3
Franklin County $13.77 $716 $28,640 1.9 $71,000 $1,775 $21,300 $533 824 19% $9.86 $513 1.4
Fremont County $14.38 $748 $29,920 2.0 $63,000 $1,575 $18,900 $473 806 19% $11.65 $606 1.2
Gem County $16.42 $854 $34,160 2.3 $53,200 $1,330 $15,960 $399 1,747 27% $7.67 $399 2.1
Gooding County $13.73 $714 $28,560 1.9 $55,900 $1,398 $16,770 $419 1,720 32% $12.32 $641 1.1
Idaho County $13.73 $714 $28,560 1.9 $53,000 $1,325 $15,900 $398 1,426 22% $14.87 $773 0.9
Jefferson County $15.23 $792 $31,680 2.1 $70,500 $1,763 $21,150 $529 1,758 20% $13.59 $706 1.1
Jerome County $15.13 $787 $31,480 2.1 $55,300 $1,383 $16,590 $415 2,825 36% $12.42 $646 1.2
Kootenai County $17.83 $927 $37,080 2.5 $70,400 $1,760 $21,120 $528 17,862 30% $13.54 $704 1.3
Latah County $14.62 $760 $30,400 2.0 $70,600 $1,765 $21,180 $530 7,298 47% $9.36 $487 1.6
Lemhi County $15.02 $781 $31,240 2.1 $53,000 $1,325 $15,900 $398 872 25% $12.12 $630 1.2
Lewis County $13.73 $714 $28,560 1.9 $54,000 $1,350 $16,200 $405 465 28% $10.36 $539 1.3
Lincoln County $15.67 $815 $32,600 2.2 $58,500 $1,463 $17,550 $439 521 31% $12.89 $670 1.2
Madison County $14.79 $769 $30,760 2.0 $38,800 $970 $11,640 $291 5,700 54% $8.26 $429 1.8
Minidoka County $13.73 $714 $28,560 1.9 $55,100 $1,378 $16,530 $413 2,061 28% $13.56 $705 1.0
Nez Perce County $16.69 $868 $34,720 2.3 $73,900 $1,848 $22,170 $554 4,804 29% $11.66 $606 1.4
Oneida County $15.08 $784 $31,360 2.1 $64,600 $1,615 $19,380 $485 306 19% $8.21 $427 1.8
Owyhee County $18.10 $941 $37,640 2.5 $74,800 $1,870 $22,440 $561 1,250 29% $11.63 $605 1.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ID-75

 FY20 HOUSING AREA MEDIAN
Idaho WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IDAHO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Payette County $14.73 $766 $30,640 2.0 $59,300 $1,483 $17,790 $445 2,400 27% $13.35 $694 1.1
Power County $16.12 $838 $33,520 2.2 $58,500 $1,463 $17,550 $439 802 31% $14.38 $748 1.1
Shoshone County $14.13 $735 $29,400 1.9 $53,600 $1,340 $16,080 $402 1,657 30% $13.65 $710 1.0
Teton County $17.75 $923 $36,920 2.4 $72,800 $1,820 $21,840 $546 973 26% $9.43 $491 1.9
Twin Falls County $15.40 $801 $32,040 2.1 $60,700 $1,518 $18,210 $455 9,646 31% $10.75 $559 1.4
Valley County $15.35 $798 $31,920 2.1 $67,400 $1,685 $20,220 $506 736 21% $9.26 $482 1.7
Washington County $13.73 $714 $28,560 1.9 $50,900 $1,273 $15,270 $382 1,194 30% $11.15 $580 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ID-76

 ILLINOIS #18* STATE
RANKING

In Illinois, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,108. In order to afford this level of rent and utilities — without paying more $21.30
than 30% of income on housing — a household must earn $3,693 monthly or PER HOUR
$44,310 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ILLINOIS:

STATE FACTS 85
Work Hours Per Week At
72
Work Hours Per Week At
Minimum Wage $10.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $18.00
2-Bedroom Housing Wage $21.30
2.1 1.8
Number of Renter Households 1,641,003 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1108
$934
$24.00
One bedroom FMR
Chicago-Joliet-Naperville HMFA
Rent affordable at area $2131
$23.85
median income (AMI)
Kendall County Rent affordable with full-time job paying
mean renter wage
$936
Grundy County $22.27 Rent affordable at 30% of AMI $639

$19.15 $520
Rent affordable with full-time job
DeKalb County paying minimum wage

$235
$17.54
Rent affordable to SSI recipient
Kankakee County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-77
 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Illinois $21.30 $1,108 $44,310 2.1 $85,252 $2,131 $25,576 $639 1,641,003 34% $18.00 $936 1.2
Combined Nonmetro Areas $13.86 $721 $28,827 1.4 $65,911 $1,648 $19,773 $494 155,223 26% $11.09 $576 1.3

Metropolitan Areas
Bloomington HMFA $15.90 $827 $33,080 1.6 $98,400 $2,460 $29,520 $738 23,719 36% $13.95 $726 1.1
Bond County HMFA $13.96 $726 $29,040 1.4 $71,900 $1,798 $21,570 $539 1,400 23% $9.38 $488 1.5
Cape Girardeau MSA $14.87 $773 $30,920 1.5 $67,000 $1,675 $20,100 $503 667 29% $11.90 $619 1.2
Champaign-Urbana MSA $16.58 $862 $34,480 1.7 $83,600 $2,090 $25,080 $627 41,174 43% $11.43 $594 1.5
Chicago-Joliet-Naperville HMFA $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 1,116,797 36% $20.17 $1,049 1.2
Danville MSA $14.23 $740 $29,600 1.4 $55,600 $1,390 $16,680 $417 9,617 31% $12.21 $635 1.2
Davenport-Moline-Rock Island MSA $14.96 $778 $31,120 1.5 $75,400 $1,885 $22,620 $566 24,818 29% $14.86 $773 1.0
De Witt County HMFA $13.42 $698 $27,920 1.3 $72,600 $1,815 $21,780 $545 1,375 21% $15.04 $782 0.9
Decatur MSA $14.46 $752 $30,080 1.4 $71,300 $1,783 $21,390 $535 13,437 30% $13.14 $683 1.1
DeKalb County HMFA $19.15 $996 $39,840 1.9 $83,700 $2,093 $25,110 $628 16,225 43% $11.65 $606 1.6
Grundy County HMFA $22.27 $1,158 $46,320 2.2 $88,900 $2,223 $26,670 $667 5,599 29% $20.78 $1,081 1.1
Jackson County HMFA $14.13 $735 $29,400 1.4 $60,300 $1,508 $18,090 $452 11,404 48% $11.00 $572 1.3
Kankakee MSA $17.54 $912 $36,480 1.8 $76,500 $1,913 $22,950 $574 12,731 32% $12.10 $629 1.4
Kendall County HMFA $23.85 $1,240 $49,600 2.4 $107,300 $2,683 $32,190 $805 6,852 17% $12.23 $636 1.9
Macoupin County HMFA $13.42 $698 $27,920 1.3 $68,900 $1,723 $20,670 $517 4,451 24% $8.33 $433 1.6
Peoria MSA $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 42,531 28% $15.43 $802 1.0
Rockford MSA $15.92 $828 $33,120 1.6 $69,600 $1,740 $20,880 $522 43,044 32% $13.68 $711 1.2
Springfield MSA $15.42 $802 $32,080 1.5 $85,200 $2,130 $25,560 $639 27,196 31% $11.67 $607 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-78

 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

St. Louis HMFA $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 74,583 30% $10.95 $569 1.6
Williamson County HMFA $14.27 $742 $29,680 1.4 $73,000 $1,825 $21,900 $548 8,160 30% $10.21 $531 1.4

Counties
Adams County $13.88 $722 $28,880 1.4 $67,300 $1,683 $20,190 $505 7,734 28% $11.69 $608 1.2
Alexander County $14.87 $773 $30,920 1.5 $67,000 $1,675 $20,100 $503 667 29% $11.90 $619 1.2
Bond County $13.96 $726 $29,040 1.4 $71,900 $1,798 $21,570 $539 1,400 23% $9.38 $488 1.5
Boone County $15.92 $828 $33,120 1.6 $69,600 $1,740 $20,880 $522 3,784 20% $13.96 $726 1.1
Brown County $13.42 $698 $27,920 1.3 $77,600 $1,940 $23,280 $582 503 24% $12.71 $661 1.1
Bureau County $14.44 $751 $30,040 1.4 $71,400 $1,785 $21,420 $536 3,266 24% $11.94 $621 1.2
Calhoun County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 289 16% $5.07 $264 3.4
Carroll County $13.42 $698 $27,920 1.3 $67,800 $1,695 $20,340 $509 1,539 24% $10.73 $558 1.3
Cass County $13.42 $698 $27,920 1.3 $64,100 $1,603 $19,230 $481 1,273 25% $10.02 $521 1.3
Champaign County $16.58 $862 $34,480 1.7 $83,600 $2,090 $25,080 $627 38,252 46% $11.36 $591 1.5
Christian County $13.60 $707 $28,280 1.4 $64,300 $1,608 $19,290 $482 3,553 25% $9.64 $501 1.4
Clark County $13.58 $706 $28,240 1.4 $63,700 $1,593 $19,110 $478 1,767 26% $11.52 $599 1.2
Clay County $13.42 $698 $27,920 1.3 $64,500 $1,613 $19,350 $484 1,296 23% $10.84 $564 1.2
Clinton County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 2,995 21% $10.59 $551 1.6
Coles County $14.25 $741 $29,640 1.4 $62,800 $1,570 $18,840 $471 8,116 38% $8.99 $467 1.6
Cook County $24.00 $1,248 $49,920 1.8 $91,000 $2,275 $27,300 $683 846,311 43% $21.78 $1,132 1.1
Crawford County $13.42 $698 $27,920 1.3 $66,000 $1,650 $19,800 $495 1,669 22% $14.57 $758 0.9
Cumberland County $13.42 $698 $27,920 1.3 $67,400 $1,685 $20,220 $506 899 21% $9.28 $483 1.4
DeKalb County $19.15 $996 $39,840 1.9 $83,700 $2,093 $25,110 $628 16,225 43% $11.65 $606 1.6
De Witt County $13.42 $698 $27,920 1.3 $72,600 $1,815 $21,780 $545 1,375 21% $15.04 $782 0.9
Douglas County $13.42 $698 $27,920 1.3 $68,000 $1,700 $20,400 $510 2,157 28% $11.97 $622 1.1
DuPage County $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 91,688 27% $19.48 $1,013 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-79

 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Edgar County $13.42 $698 $27,920 1.3 $63,000 $1,575 $18,900 $473 1,848 24% $9.84 $512 1.4
Edwards County $13.42 $698 $27,920 1.3 $67,700 $1,693 $20,310 $508 488 18% $11.13 $579 1.2
Effingham County $13.42 $698 $27,920 1.3 $75,200 $1,880 $22,560 $564 3,029 22% $11.01 $573 1.2
Fayette County $13.42 $698 $27,920 1.3 $57,000 $1,425 $17,100 $428 1,483 19% $7.98 $415 1.7
Ford County $16.58 $862 $34,480 1.7 $83,600 $2,090 $25,080 $627 1,700 29% $13.68 $712 1.2
Franklin County $13.42 $698 $27,920 1.3 $54,200 $1,355 $16,260 $407 4,225 26% $10.70 $557 1.3
Fulton County $14.67 $763 $30,520 1.5 $64,200 $1,605 $19,260 $482 3,265 23% $8.57 $445 1.7
Gallatin County $13.42 $698 $27,920 1.3 $55,400 $1,385 $16,620 $416 576 25% $13.56 $705 1.0
Greene County $13.42 $698 $27,920 1.3 $57,200 $1,430 $17,160 $429 1,047 21% $9.24 $480 1.5
Grundy County $22.27 $1,158 $46,320 2.2 $88,900 $2,223 $26,670 $667 5,599 29% $20.78 $1,081 1.1
Hamilton County $13.42 $698 $27,920 1.3 $62,800 $1,570 $18,840 $471 655 19% $14.14 $735 0.9
Hancock County $13.42 $698 $27,920 1.3 $65,200 $1,630 $19,560 $489 1,373 19% $11.37 $591 1.2
Hardin County $13.42 $698 $27,920 1.3 $59,100 $1,478 $17,730 $443 283 20% $5.29 $275 2.5
Henderson County $13.42 $698 $27,920 1.3 $58,500 $1,463 $17,550 $439 557 19% $8.87 $461 1.5
Henry County $14.96 $778 $31,120 1.5 $75,400 $1,885 $22,620 $566 4,449 22% $9.39 $488 1.6
Iroquois County $13.42 $698 $27,920 1.3 $64,900 $1,623 $19,470 $487 2,726 23% $9.87 $513 1.4
Jackson County $14.13 $735 $29,400 1.4 $60,300 $1,508 $18,090 $452 11,404 48% $11.00 $572 1.3
Jasper County $13.42 $698 $27,920 1.3 $71,800 $1,795 $21,540 $539 643 18% $8.44 $439 1.6
Jefferson County $13.75 $715 $28,600 1.4 $62,500 $1,563 $18,750 $469 4,158 27% $11.06 $575 1.2
Jersey County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 1,673 19% $8.06 $419 2.2
Jo Daviess County $13.42 $698 $27,920 1.3 $76,200 $1,905 $22,860 $572 2,132 22% $10.35 $538 1.3
Johnson County $13.42 $698 $27,920 1.3 $61,300 $1,533 $18,390 $460 689 16% $6.88 $358 1.9
Kane County $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 47,223 27% $13.61 $708 1.8
Kankakee County $17.54 $912 $36,480 1.8 $76,500 $1,913 $22,950 $574 12,731 32% $12.10 $629 1.4
Kendall County $23.85 $1,240 $49,600 2.4 $107,300 $2,683 $32,190 $805 6,852 17% $12.23 $636 1.9
Knox County $13.42 $698 $27,920 1.3 $61,300 $1,533 $18,390 $460 7,203 35% $9.57 $498 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-80

 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lake County $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 65,199 27% $20.81 $1,082 1.2
La Salle County $15.02 $781 $31,240 1.5 $69,300 $1,733 $20,790 $520 12,296 28% $12.21 $635 1.2
Lawrence County $13.42 $698 $27,920 1.3 $59,200 $1,480 $17,760 $444 1,777 29% $12.42 $646 1.1
Lee County $14.08 $732 $29,280 1.4 $76,000 $1,900 $22,800 $570 3,724 27% $12.31 $640 1.1
Livingston County $13.65 $710 $28,400 1.4 $74,200 $1,855 $22,260 $557 4,000 28% $12.02 $625 1.1
Logan County $13.92 $724 $28,960 1.4 $75,000 $1,875 $22,500 $563 2,963 27% $12.86 $669 1.1
McDonough County $13.42 $698 $27,920 1.3 $71,700 $1,793 $21,510 $538 3,757 33% $7.21 $375 1.9
McHenry County $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 23,181 21% $12.95 $673 1.9
McLean County $15.90 $827 $33,080 1.6 $98,400 $2,460 $29,520 $738 23,719 36% $13.95 $726 1.1
Macon County $14.46 $752 $30,080 1.4 $71,300 $1,783 $21,390 $535 13,437 30% $13.14 $683 1.1
Macoupin County $13.42 $698 $27,920 1.3 $68,900 $1,723 $20,670 $517 4,451 24% $8.33 $433 1.6
Madison County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 31,406 29% $11.31 $588 1.5
Marion County $13.42 $698 $27,920 1.3 $60,000 $1,500 $18,000 $450 4,237 27% $10.57 $550 1.3
Marshall County $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 876 18% $8.59 $447 1.7
Mason County $13.90 $723 $28,920 1.4 $59,900 $1,498 $17,970 $449 1,326 22% $11.52 $599 1.2
Massac County $15.23 $792 $31,680 1.5 $60,100 $1,503 $18,030 $451 1,484 25% $11.89 $618 1.3
Menard County $15.42 $802 $32,080 1.5 $85,200 $2,130 $25,560 $639 1,186 23% $8.35 $434 1.8
Mercer County $14.96 $778 $31,120 1.5 $75,400 $1,885 $22,620 $566 1,467 22% $10.08 $524 1.5
Monroe County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 2,072 16% $7.59 $395 2.3
Montgomery County $13.42 $698 $27,920 1.3 $63,500 $1,588 $19,050 $476 2,597 23% $8.51 $443 1.6
Morgan County $13.96 $726 $29,040 1.4 $65,400 $1,635 $19,620 $491 4,459 32% $11.35 $590 1.2
Moultrie County $13.42 $698 $27,920 1.3 $67,000 $1,675 $20,100 $503 1,324 22% $12.00 $624 1.1
Ogle County $15.17 $789 $31,560 1.5 $75,100 $1,878 $22,530 $563 5,452 26% $14.40 $749 1.1
Peoria County $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 25,715 35% $16.92 $880 0.9
Perry County $13.42 $698 $27,920 1.3 $68,200 $1,705 $20,460 $512 2,085 25% $7.77 $404 1.7
Piatt County $16.58 $862 $34,480 1.7 $83,600 $2,090 $25,080 $627 1,222 18% $9.69 $504 1.7

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-81

 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pike County $13.42 $698 $27,920 1.3 $56,400 $1,410 $16,920 $423 1,421 22% $10.32 $536 1.3
Pope County $13.42 $698 $27,920 1.3 $60,800 $1,520 $18,240 $456 245 15% $4.65 $242 2.9
Pulaski County $13.42 $698 $27,920 1.3 $54,400 $1,360 $16,320 $408 547 25% $13.61 $708 1.0
Putnam County $14.27 $742 $29,680 1.4 $84,100 $2,103 $25,230 $631 466 19% $15.13 $787 0.9
Randolph County $13.46 $700 $28,000 1.3 $69,100 $1,728 $20,730 $518 2,886 24% $11.57 $601 1.2
Richland County $13.42 $698 $27,920 1.3 $62,100 $1,553 $18,630 $466 1,833 28% $9.60 $499 1.4
Rock Island County $14.96 $778 $31,120 1.5 $75,400 $1,885 $22,620 $566 18,902 31% $15.95 $829 0.9
St. Clair County $17.40 $905 $36,200 1.7 $82,900 $2,073 $24,870 $622 36,148 35% $11.09 $577 1.6
Saline County $13.42 $698 $27,920 1.3 $55,100 $1,378 $16,530 $413 2,762 28% $8.69 $452 1.5
Sangamon County $15.42 $802 $32,080 1.5 $85,200 $2,130 $25,560 $639 26,010 31% $11.72 $609 1.3
Schuyler County $13.42 $698 $27,920 1.3 $63,500 $1,588 $19,050 $476 667 24% $16.95 $881 0.8
Scott County $13.42 $698 $27,920 1.3 $68,700 $1,718 $20,610 $515 427 22% $14.99 $780 0.9
Shelby County $13.42 $698 $27,920 1.3 $63,300 $1,583 $18,990 $475 1,819 20% $10.19 $530 1.3
Stark County $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 453 20% $11.28 $586 1.3
Stephenson County $13.42 $698 $27,920 1.3 $62,100 $1,553 $18,630 $466 6,141 31% $11.76 $611 1.1
Tazewell County $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 12,857 24% $13.37 $695 1.1
Union County $13.42 $698 $27,920 1.3 $58,600 $1,465 $17,580 $440 1,493 22% $8.84 $460 1.5
Vermilion County $14.23 $740 $29,600 1.4 $55,600 $1,390 $16,680 $417 9,617 31% $12.21 $635 1.2
Wabash County $13.50 $702 $28,080 1.4 $69,000 $1,725 $20,700 $518 1,159 24% $7.92 $412 1.7
Warren County $13.42 $698 $27,920 1.3 $63,400 $1,585 $19,020 $476 1,637 24% $12.16 $633 1.1
Washington County $14.33 $745 $29,800 1.4 $74,300 $1,858 $22,290 $557 1,275 21% $16.17 $841 0.9
Wayne County $13.42 $698 $27,920 1.3 $60,600 $1,515 $18,180 $455 1,675 24% $9.45 $492 1.4
White County $13.42 $698 $27,920 1.3 $62,200 $1,555 $18,660 $467 1,344 22% $11.70 $608 1.1
Whiteside County $14.50 $754 $30,160 1.5 $68,100 $1,703 $20,430 $511 5,793 25% $10.94 $569 1.3
Will County $24.00 $1,248 $49,920 2.4 $91,000 $2,275 $27,300 $683 43,195 19% $12.21 $635 2.0
Williamson County $14.27 $742 $29,680 1.4 $73,000 $1,825 $21,900 $548 8,160 30% $10.21 $531 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-82

 FY20 HOUSING AREA MEDIAN
Illinois WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
ILLINOIS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Winnebago County $15.92 $828 $33,120 1.6 $69,600 $1,740 $20,880 $522 39,260 34% $13.64 $709 1.2
Woodford County $14.85 $772 $30,880 1.5 $79,600 $1,990 $23,880 $597 2,630 18% $10.88 $566 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IL-83

 INDIANA #39* STATE
RANKING

In Indiana, the Fair Market Rent (FMR) for a two-bedroom apartment is

$848. In order to afford this level of rent and utilities — without paying more $16.32
than 30% of income on housing — a household must earn $2,828 monthly or PER HOUR
$33,940 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT INDIANA:

STATE FACTS 90
Work Hours Per Week At
73
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.44
2-Bedroom Housing Wage $16.32
2.3 1.8
Number of Renter Households 793,086 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $848
$685
$18.19
One bedroom FMR
Indianapolis-Carmel HMFA
Rent affordable at area
$1824
$17.63
median income (AMI)
Gary HMFA Rent affordable with full-time job paying
mean renter wage
$751
Bloomington HMFA $16.90 Rent affordable at 30% of AMI $547

$16.85 $377
Rent affordable with full-time job
Bartholomew County paying minimum wage

$235
$16.77
Rent affordable to SSI recipient
Clark County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-84
 FY20 HOUSING AREA MEDIAN
Indiana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
INDIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Indiana $16.32 $848 $33,940 2.3 $72,950 $1,824 $21,885 $547 793,086 31% $14.44 $751 1.1
Combined Nonmetro Areas $14.11 $734 $29,353 1.9 $64,292 $1,607 $19,288 $482 144,100 25% $12.69 $660 1.1

Metropolitan Areas
Anderson HMFA $15.50 $806 $32,240 2.1 $58,000 $1,450 $17,400 $435 15,487 30% $11.34 $590 1.4
Bloomington HMFA $16.90 $879 $35,160 2.3 $74,900 $1,873 $22,470 $562 25,106 45% $10.86 $565 1.6
Carroll County HMFA $13.73 $714 $28,560 1.9 $67,400 $1,685 $20,220 $506 1,509 19% $13.83 $719 1.0
Cincinnati HMFA $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 4,485 21% $8.15 $424 2.0
Columbus MSA $16.85 $876 $35,040 2.3 $81,300 $2,033 $24,390 $610 9,082 29% $21.43 $1,114 0.8
Elkhart-Goshen MSA $15.71 $817 $32,680 2.2 $70,200 $1,755 $21,060 $527 22,545 31% $15.34 $798 1.0
Evansville MSA $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 33,733 31% $13.16 $684 1.2
Fort Wayne MSA $14.75 $767 $30,680 2.0 $71,100 $1,778 $21,330 $533 50,059 30% $13.36 $695 1.1
Gary HMFA $17.63 $917 $36,680 2.4 $74,900 $1,873 $22,470 $562 73,206 29% $13.37 $695 1.3
Indianapolis-Carmel HMFA $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 248,651 35% $17.12 $890 1.1
Jasper County HMFA $16.69 $868 $34,720 2.3 $69,000 $1,725 $20,700 $518 3,053 24% $12.37 $643 1.3
Kokomo MSA $14.04 $730 $29,200 1.9 $63,900 $1,598 $19,170 $479 10,933 32% $14.83 $771 0.9
Lafayette-West Lafayette HMFA $16.10 $837 $33,480 2.2 $79,100 $1,978 $23,730 $593 32,491 45% $13.45 $700 1.2
Louisville HMFA $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 23,720 27% $11.82 $615 1.4
Michigan City-La Porte MSA $15.08 $784 $31,360 2.1 $65,200 $1,630 $19,560 $489 12,080 28% $11.62 $604 1.3
Muncie MSA $14.37 $747 $29,880 2.0 $64,600 $1,615 $19,380 $485 16,340 36% $10.47 $544 1.4
Owen County HMFA $13.73 $714 $28,560 1.9 $64,300 $1,608 $19,290 $482 1,846 21% $12.01 $625 1.1
Putnam County HMFA $14.50 $754 $30,160 2.0 $70,100 $1,753 $21,030 $526 3,791 28% $14.52 $755 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-85

 FY20 HOUSING AREA MEDIAN
Indiana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
INDIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Scott County HMFA $15.37 $799 $31,960 2.1 $61,600 $1,540 $18,480 $462 2,454 27% $10.30 $535 1.5
South Bend-Mishawaka HMFA $16.15 $840 $33,600 2.2 $70,800 $1,770 $21,240 $531 32,566 32% $13.18 $685 1.2
Sullivan County HMFA $15.21 $791 $31,640 2.1 $60,900 $1,523 $18,270 $457 2,044 27% $10.19 $530 1.5
Terre Haute HMFA $15.15 $788 $31,520 2.1 $63,900 $1,598 $19,170 $479 20,425 35% $11.58 $602 1.3
Union County HMFA $13.73 $714 $28,560 1.9 $61,300 $1,533 $18,390 $460 824 29% $12.68 $659 1.1
Washington County HMFA $13.73 $714 $28,560 1.9 $60,400 $1,510 $18,120 $453 2,556 24% $9.88 $514 1.4

Counties
Adams County $13.73 $714 $28,560 1.9 $64,800 $1,620 $19,440 $486 2,842 23% $9.82 $511 1.4
Allen County $14.75 $767 $30,680 2.0 $71,100 $1,778 $21,330 $533 45,551 32% $13.60 $707 1.1
Bartholomew County $16.85 $876 $35,040 2.3 $81,300 $2,033 $24,390 $610 9,082 29% $21.43 $1,114 0.8
Benton County $16.10 $837 $33,480 2.2 $79,100 $1,978 $23,730 $593 950 28% $14.07 $731 1.1
Blackford County $13.73 $714 $28,560 1.9 $55,000 $1,375 $16,500 $413 1,263 24% $13.58 $706 1.0
Boone County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 5,740 23% $11.68 $607 1.6
Brown County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 1,002 16% $7.28 $379 2.5
Carroll County $13.73 $714 $28,560 1.9 $67,400 $1,685 $20,220 $506 1,509 19% $13.83 $719 1.0
Cass County $13.73 $714 $28,560 1.9 $60,500 $1,513 $18,150 $454 3,764 26% $10.91 $567 1.3
Clark County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 13,082 30% $13.10 $681 1.3
Clay County $15.15 $788 $31,520 2.1 $63,900 $1,598 $19,170 $479 2,427 23% $10.27 $534 1.5
Clinton County $14.71 $765 $30,600 2.0 $66,800 $1,670 $20,040 $501 3,406 28% $12.78 $665 1.2
Crawford County $13.73 $714 $28,560 1.9 $52,900 $1,323 $15,870 $397 674 17% $6.33 $329 2.2
Daviess County $14.25 $741 $29,640 2.0 $63,700 $1,593 $19,110 $478 3,036 27% $10.02 $521 1.4
Dearborn County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 3,942 21% $8.10 $421 2.1
Decatur County $15.92 $828 $33,120 2.2 $64,400 $1,610 $19,320 $483 3,226 31% $16.03 $834 1.0
DeKalb County $14.58 $758 $30,320 2.0 $66,600 $1,665 $19,980 $500 3,929 23% $14.20 $738 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-86

 FY20 HOUSING AREA MEDIAN
Indiana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
INDIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Delaware County $14.37 $747 $29,880 2.0 $64,600 $1,615 $19,380 $485 16,340 36% $10.47 $544 1.4
Dubois County $13.73 $714 $28,560 1.9 $77,900 $1,948 $23,370 $584 3,630 22% $9.76 $508 1.4
Elkhart County $15.71 $817 $32,680 2.2 $70,200 $1,755 $21,060 $527 22,545 31% $15.34 $798 1.0
Fayette County $13.75 $715 $28,600 1.9 $53,700 $1,343 $16,110 $403 2,915 30% $10.42 $542 1.3
Floyd County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 8,091 28% $10.61 $552 1.6
Fountain County $14.12 $734 $29,360 1.9 $59,600 $1,490 $17,880 $447 1,677 24% $11.25 $585 1.3
Franklin County $13.85 $720 $28,800 1.9 $69,500 $1,738 $20,850 $521 1,652 19% $9.95 $517 1.4
Fulton County $13.75 $715 $28,600 1.9 $62,100 $1,553 $18,630 $466 1,839 23% $11.24 $584 1.2
Gibson County $13.73 $714 $28,560 1.9 $68,300 $1,708 $20,490 $512 3,016 23% $17.45 $907 0.8
Grant County $13.73 $714 $28,560 1.9 $58,500 $1,463 $17,550 $439 8,042 31% $11.95 $621 1.1
Greene County $13.73 $714 $28,560 1.9 $64,700 $1,618 $19,410 $485 2,562 20% $10.05 $523 1.4
Hamilton County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 26,588 23% $16.18 $841 1.1
Hancock County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 6,325 22% $12.70 $660 1.4
Harrison County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 2,547 17% $8.47 $440 2.0
Hendricks County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 12,503 22% $11.51 $599 1.6
Henry County $13.79 $717 $28,680 1.9 $60,600 $1,515 $18,180 $455 4,865 26% $10.13 $527 1.4
Howard County $14.04 $730 $29,200 1.9 $63,900 $1,598 $19,170 $479 10,933 32% $14.83 $771 0.9
Huntington County $13.73 $714 $28,560 1.9 $64,800 $1,620 $19,440 $486 3,561 24% $11.54 $600 1.2
Jackson County $14.60 $759 $30,360 2.0 $64,300 $1,608 $19,290 $482 4,588 27% $14.00 $728 1.0
Jasper County $16.69 $868 $34,720 2.3 $69,000 $1,725 $20,700 $518 3,053 24% $12.37 $643 1.3
Jay County $13.73 $714 $28,560 1.9 $58,800 $1,470 $17,640 $441 2,199 27% $12.67 $659 1.1
Jefferson County $14.50 $754 $30,160 2.0 $64,100 $1,603 $19,230 $481 3,582 28% $12.88 $670 1.1
Jennings County $14.15 $736 $29,440 2.0 $61,300 $1,533 $18,390 $460 2,634 25% $13.27 $690 1.1
Johnson County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 15,727 28% $11.86 $617 1.5
Knox County $14.73 $766 $30,640 2.0 $60,000 $1,500 $18,000 $450 5,233 35% $11.76 $612 1.3
Kosciusko County $14.67 $763 $30,520 2.0 $74,700 $1,868 $22,410 $560 8,113 26% $17.21 $895 0.9

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-87

 FY20 HOUSING AREA MEDIAN
Indiana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
INDIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

LaGrange County $13.73 $714 $28,560 1.9 $67,700 $1,693 $20,310 $508 2,091 17% $15.56 $809 0.9
Lake County $17.63 $917 $36,680 2.4 $74,900 $1,873 $22,470 $562 56,335 30% $13.81 $718 1.3
LaPorte County $15.08 $784 $31,360 2.1 $65,200 $1,630 $19,560 $489 12,080 28% $11.62 $604 1.3
Lawrence County $14.44 $751 $30,040 2.0 $62,800 $1,570 $18,840 $471 4,143 22% $11.07 $575 1.3
Madison County $15.50 $806 $32,240 2.1 $58,000 $1,450 $17,400 $435 15,487 30% $11.34 $590 1.4
Marion County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 169,854 46% $19.18 $997 0.9
Marshall County $13.73 $714 $28,560 1.9 $65,900 $1,648 $19,770 $494 4,276 25% $10.03 $521 1.4
Martin County $13.73 $714 $28,560 1.9 $63,100 $1,578 $18,930 $473 875 21% $11.38 $592 1.2
Miami County $13.73 $714 $28,560 1.9 $61,400 $1,535 $18,420 $461 3,948 29% $10.36 $539 1.3
Monroe County $16.90 $879 $35,160 2.3 $74,900 $1,873 $22,470 $562 25,106 45% $10.86 $565 1.6
Montgomery County $14.56 $757 $30,280 2.0 $67,900 $1,698 $20,370 $509 4,450 29% $14.22 $739 1.0
Morgan County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 6,176 24% $12.14 $631 1.5
Newton County $17.63 $917 $36,680 2.4 $74,900 $1,873 $22,470 $562 1,171 21% $14.31 $744 1.2
Noble County $13.73 $714 $28,560 1.9 $67,400 $1,685 $20,220 $506 4,341 24% $12.45 $647 1.1
Ohio County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 543 22% $8.72 $453 1.9
Orange County $13.73 $714 $28,560 1.9 $57,100 $1,428 $17,130 $428 1,996 25% $10.06 $523 1.4
Owen County $13.73 $714 $28,560 1.9 $64,300 $1,608 $19,290 $482 1,846 21% $12.01 $625 1.1
Parke County $14.42 $750 $30,000 2.0 $56,800 $1,420 $17,040 $426 1,408 23% $9.15 $476 1.6
Perry County $13.73 $714 $28,560 1.9 $64,600 $1,615 $19,380 $485 1,684 23% $9.71 $505 1.4
Pike County $13.73 $714 $28,560 1.9 $65,800 $1,645 $19,740 $494 876 17% $16.45 $855 0.8
Porter County $17.63 $917 $36,680 2.4 $74,900 $1,873 $22,470 $562 15,700 25% $12.01 $624 1.5
Posey County $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 1,926 19% $12.14 $631 1.3
Pulaski County $13.73 $714 $28,560 1.9 $59,400 $1,485 $17,820 $446 1,196 23% $14.82 $771 0.9
Putnam County $14.50 $754 $30,160 2.0 $70,100 $1,753 $21,030 $526 3,791 28% $14.52 $755 1.0
Randolph County $13.73 $714 $28,560 1.9 $59,400 $1,485 $17,820 $446 2,419 23% $11.74 $610 1.2
Ripley County $13.73 $714 $28,560 1.9 $66,600 $1,665 $19,980 $500 2,553 23% $12.60 $655 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-88

 FY20 HOUSING AREA MEDIAN
Indiana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
INDIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Rush County $13.73 $714 $28,560 1.9 $62,600 $1,565 $18,780 $470 1,927 29% $12.50 $650 1.1
St. Joseph County $16.15 $840 $33,600 2.2 $70,800 $1,770 $21,240 $531 32,566 32% $13.18 $685 1.2
Scott County $15.37 $799 $31,960 2.1 $61,600 $1,540 $18,480 $462 2,454 27% $10.30 $535 1.5
Shelby County $18.19 $946 $37,840 2.5 $82,000 $2,050 $24,600 $615 4,736 27% $14.16 $736 1.3
Spencer County $13.73 $714 $28,560 1.9 $73,500 $1,838 $22,050 $551 1,542 19% $11.90 $619 1.2
Starke County $13.73 $714 $28,560 1.9 $58,100 $1,453 $17,430 $436 1,834 21% $10.69 $556 1.3
Steuben County $15.17 $789 $31,560 2.1 $66,400 $1,660 $19,920 $498 3,187 23% $11.46 $596 1.3
Sullivan County $15.21 $791 $31,640 2.1 $60,900 $1,523 $18,270 $457 2,044 27% $10.19 $530 1.5
Switzerland County $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 1,134 26% $15.42 $802 0.9
Tippecanoe County $16.10 $837 $33,480 2.2 $79,100 $1,978 $23,730 $593 31,541 46% $13.44 $699 1.2
Tipton County $15.58 $810 $32,400 2.1 $70,900 $1,773 $21,270 $532 1,220 19% $16.72 $869 0.9
Union County $13.73 $714 $28,560 1.9 $61,300 $1,533 $18,390 $460 824 29% $12.68 $659 1.1
Vanderburgh County $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 26,818 36% $13.31 $692 1.1
Vermillion County $15.15 $788 $31,520 2.1 $63,900 $1,598 $19,170 $479 1,795 27% $14.02 $729 1.1
Vigo County $15.15 $788 $31,520 2.1 $63,900 $1,598 $19,170 $479 16,203 39% $11.57 $602 1.3
Wabash County $13.85 $720 $28,800 1.9 $62,200 $1,555 $18,660 $467 3,450 27% $11.96 $622 1.2
Warren County $14.15 $736 $29,440 2.0 $69,500 $1,738 $20,850 $521 546 16% $10.96 $570 1.3
Warrick County $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 4,989 21% $12.60 $655 1.2
Washington County $13.73 $714 $28,560 1.9 $60,400 $1,510 $18,120 $453 2,556 24% $9.88 $514 1.4
Wayne County $13.94 $725 $29,000 1.9 $61,600 $1,540 $18,480 $462 8,626 32% $12.65 $658 1.1
Wells County $14.75 $767 $30,680 2.0 $71,100 $1,778 $21,330 $533 2,226 20% $9.40 $489 1.6
White County $14.10 $733 $29,320 1.9 $66,200 $1,655 $19,860 $497 2,130 22% $12.98 $675 1.1
Whitley County $14.75 $767 $30,680 2.0 $71,100 $1,778 $21,330 $533 2,282 17% $13.10 $681 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IN-89

 IOWA #45* STATE
RANKING

In Iowa, the Fair Market Rent (FMR) for a two-bedroom apartment is $804.
In order to afford this level of rent and utilities — without paying more than $15.46
30% of income on housing — a household must earn $2,679 monthly or PER HOUR
$32,151 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT IOWA:

STATE FACTS 85
Work Hours Per Week At
67
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.43
2-Bedroom Housing Wage $15.46
2.1 1.7
Number of Renter Households 362,703 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 29%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $847
$632
$19.44
One bedroom FMR
Iowa City HMFA
Rent affordable at area $1981
$18.19
median income (AMI)
Omaha-Council Bluffs HMFA Rent affordable with full-time
job paying mean renter wage
$698
Des Moines-West Des Moines MSA $17.31 Rent affordable at 30% of AMI $594

$16.48 $377
Rent affordable with full-time job
Ames MSA paying minimum wage

$235
$15.94
Rent affordable to SSI recipient
Muscatine County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-90
 FY20 HOUSING AREA MEDIAN
Iowa WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IOWA Estimated Full-time
Annual Full-time Monthly hourly Monthly
Monthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent mean
E st i m a t e d rrent
ent F urenter
ll-timewage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
Month ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
1 2 BR afford2 wage
toafford ne e detod tafford
o a ff ord Annual affordable
afforda bl5e
30% atat30%
30% h ohouseholds
useholds hhouseholds
ouseholds nte r wage at
rewage at mean
mean wageaffordneeded to
a f f2
orBR¹
d 2 FMR²
BR 2 BR Annu4al 30%
FMR 2BMRBR FM FMR
R 2BR 2 BFMR³
R F MR 3 AMI 4 at AMI 5
at AMI
of AMI ofofAMI
AMI (2014-2018)
(2014-2018)
(2014-2018)
(2014-2018) (2 0 2 0 ) renter
(2020) wage affo2rdBR2FMR
re nte rwage B R FMR
FMR 2 FMR AMI of AMI

Iowa $15.46 $804 $32,151 2.1 $79,229 $1,981 $23,769 $594 362,703 29% $13.43 $698 1.2
Combined Nonmetro Areas $13.74 $715 $28,586 1.9 $69,809 $1,745 $20,943 $524 135,078 26% $12.33 $641 1.1

Metropolitan Areas
Ames MSA $16.48 $857 $34,280 2.3 $104,300 $2,608 $31,290 $782 17,581 47% $11.89 $618 1.4
Benton County HMFA $13.21 $687 $27,480 1.8 $85,100 $2,128 $25,530 $638 1,806 18% $8.96 $466 1.5
Bremer County HMFA $13.21 $687 $27,480 1.8 $87,600 $2,190 $26,280 $657 1,727 18% $10.36 $539 1.3
Cedar Rapids HMFA $14.94 $777 $31,080 2.1 $85,200 $2,130 $25,560 $639 22,995 26% $13.90 $723 1.1
Davenport-Moline-Rock Island MSA $14.96 $778 $31,120 2.1 $75,400 $1,885 $22,620 $566 20,466 31% $12.51 $651 1.2
Des Moines-West Des Moines MSA $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 75,206 31% $16.47 $857 1.1
Dubuque MSA $15.06 $783 $31,320 2.1 $82,900 $2,073 $24,870 $622 10,594 28% $11.84 $616 1.3
Iowa City HMFA $19.44 $1,011 $40,440 2.7 $101,200 $2,530 $30,360 $759 23,447 40% $9.96 $518 2.0
Jones County HMFA $13.21 $687 $27,480 1.8 $76,200 $1,905 $22,860 $572 1,998 24% $11.61 $604 1.1
Omaha-Council Bluffs HMFA $18.19 $946 $37,840 2.5 $87,000 $2,175 $26,100 $653 14,485 30% $12.75 $663 1.4
Plymouth County HMFA $13.21 $687 $27,480 1.8 $79,100 $1,978 $23,730 $593 2,156 21% $14.08 $732 0.9
Sioux City HMFA $15.44 $803 $32,120 2.1 $75,200 $1,880 $22,560 $564 13,393 34% $12.07 $628 1.3
Washington County HMFA $15.48 $805 $32,200 2.1 $78,200 $1,955 $23,460 $587 2,546 29% $10.45 $544 1.5
Waterloo-Cedar Falls HMFA $14.67 $763 $30,520 2.0 $71,600 $1,790 $21,480 $537 19,225 33% $13.92 $724 1.1

Counties
Adair County $13.21 $687 $27,480 1.8 $66,600 $1,665 $19,980 $500 732 23% $10.49 $545 1.3
Adams County $13.21 $687 $27,480 1.8 $65,700 $1,643 $19,710 $493 372 23% $13.93 $724 0.9
Allamakee County $13.21 $687 $27,480 1.8 $68,400 $1,710 $20,520 $513 1,327 22% $10.05 $523 1.3
Appanoose County $13.21 $687 $27,480 1.8 $57,200 $1,430 $17,160 $429 1,445 27% $9.21 $479 1.4
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-91

 FY20 HOUSING AREA MEDIAN
Iowa WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IOWA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Audubon County $13.21 $687 $27,480 1.8 $65,700 $1,643 $19,710 $493 597 22% $12.90 $671 1.0
Benton County $13.21 $687 $27,480 1.8 $85,100 $2,128 $25,530 $638 1,806 18% $8.96 $466 1.5
Black Hawk County $14.67 $763 $30,520 2.0 $71,600 $1,790 $21,480 $537 18,173 34% $13.88 $722 1.1
Boone County $14.31 $744 $29,760 2.0 $77,700 $1,943 $23,310 $583 2,533 23% $11.73 $610 1.2
Bremer County $13.21 $687 $27,480 1.8 $87,600 $2,190 $26,280 $657 1,727 18% $10.36 $539 1.3
Buchanan County $13.38 $696 $27,840 1.8 $79,200 $1,980 $23,760 $594 1,744 22% $10.45 $543 1.3
Buena Vista County $13.21 $687 $27,480 1.8 $68,600 $1,715 $20,580 $515 2,525 33% $13.81 $718 1.0
Butler County $13.21 $687 $27,480 1.8 $71,600 $1,790 $21,480 $537 1,306 21% $11.40 $593 1.2
Calhoun County $13.21 $687 $27,480 1.8 $63,000 $1,575 $18,900 $473 928 22% $10.25 $533 1.3
Carroll County $13.21 $687 $27,480 1.8 $78,500 $1,963 $23,550 $589 2,000 23% $9.36 $487 1.4
Cass County $13.21 $687 $27,480 1.8 $61,600 $1,540 $18,480 $462 1,828 31% $11.56 $601 1.1
Cedar County $14.31 $744 $29,760 2.0 $82,500 $2,063 $24,750 $619 1,470 19% $12.73 $662 1.1
Cerro Gordo County $14.60 $759 $30,360 2.0 $71,700 $1,793 $21,510 $538 5,929 31% $11.84 $616 1.2
Cherokee County $13.21 $687 $27,480 1.8 $73,200 $1,830 $21,960 $549 1,381 26% $11.61 $604 1.1
Chickasaw County $13.21 $687 $27,480 1.8 $73,200 $1,830 $21,960 $549 1,028 20% $14.87 $773 0.9
Clarke County $14.56 $757 $30,280 2.0 $66,000 $1,650 $19,800 $495 1,126 29% $11.94 $621 1.2
Clay County $13.21 $687 $27,480 1.8 $68,500 $1,713 $20,550 $514 2,292 31% $11.92 $620 1.1
Clayton County $13.21 $687 $27,480 1.8 $69,500 $1,738 $20,850 $521 1,914 25% $12.89 $670 1.0
Clinton County $14.25 $741 $29,640 2.0 $71,700 $1,793 $21,510 $538 5,082 26% $10.84 $564 1.3
Crawford County $13.21 $687 $27,480 1.8 $63,100 $1,578 $18,930 $473 1,737 27% $10.39 $541 1.3
Dallas County $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 8,430 26% $15.69 $816 1.1
Davis County $13.37 $695 $27,800 1.8 $71,000 $1,775 $21,300 $533 550 17% $8.40 $437 1.6
Decatur County $13.21 $687 $27,480 1.8 $53,500 $1,338 $16,050 $401 1,089 34% $8.03 $418 1.6
Delaware County $13.21 $687 $27,480 1.8 $76,900 $1,923 $23,070 $577 1,185 17% $10.55 $549 1.3
Des Moines County $15.58 $810 $32,400 2.1 $64,700 $1,618 $19,410 $485 4,635 28% $11.40 $593 1.4
Dickinson County $14.42 $750 $30,000 2.0 $83,400 $2,085 $25,020 $626 1,697 21% $9.43 $490 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-92

 FY20 HOUSING AREA MEDIAN
Iowa WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IOWA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Dubuque County $15.06 $783 $31,320 2.1 $82,900 $2,073 $24,870 $622 10,594 28% $11.84 $616 1.3
Emmet County $13.21 $687 $27,480 1.8 $71,600 $1,790 $21,480 $537 942 23% $12.38 $644 1.1
Fayette County $13.21 $687 $27,480 1.8 $63,900 $1,598 $19,170 $479 2,046 25% $9.95 $517 1.3
Floyd County $13.21 $687 $27,480 1.8 $67,100 $1,678 $20,130 $503 1,878 28% $10.25 $533 1.3
Franklin County $13.21 $687 $27,480 1.8 $61,200 $1,530 $18,360 $459 1,079 26% $15.63 $813 0.8
Fremont County $13.21 $687 $27,480 1.8 $70,100 $1,753 $21,030 $526 773 26% $10.73 $558 1.2
Greene County $13.21 $687 $27,480 1.8 $71,100 $1,778 $21,330 $533 1,002 26% $11.69 $608 1.1
Grundy County $14.67 $763 $30,520 2.0 $71,600 $1,790 $21,480 $537 1,052 20% $14.63 $761 1.0
Guthrie County $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 904 21% $12.91 $671 1.3
Hamilton County $13.63 $709 $28,360 1.9 $73,400 $1,835 $22,020 $551 1,714 27% $12.24 $636 1.1
Hancock County $13.21 $687 $27,480 1.8 $71,500 $1,788 $21,450 $536 1,051 22% $12.21 $635 1.1
Hardin County $13.21 $687 $27,480 1.8 $74,400 $1,860 $22,320 $558 1,646 23% $13.49 $702 1.0
Harrison County $18.19 $946 $37,840 2.5 $87,000 $2,175 $26,100 $653 1,529 25% $11.15 $580 1.6
Henry County $13.65 $710 $28,400 1.9 $66,900 $1,673 $20,070 $502 2,239 29% $13.18 $685 1.0
Howard County $13.21 $687 $27,480 1.8 $66,200 $1,655 $19,860 $497 810 21% $11.67 $607 1.1
Humboldt County $13.21 $687 $27,480 1.8 $67,900 $1,698 $20,370 $509 1,088 26% $11.63 $605 1.1
Ida County $13.21 $687 $27,480 1.8 $73,200 $1,830 $21,960 $549 729 24% $13.64 $709 1.0
Iowa County $13.21 $687 $27,480 1.8 $76,400 $1,910 $22,920 $573 1,487 22% $11.88 $618 1.1
Jackson County $13.21 $687 $27,480 1.8 $66,300 $1,658 $19,890 $497 1,734 21% $9.46 $492 1.4
Jasper County $13.98 $727 $29,080 1.9 $72,800 $1,820 $21,840 $546 3,790 26% $12.41 $646 1.1
Jefferson County $14.29 $743 $29,720 2.0 $66,200 $1,655 $19,860 $497 2,249 33% $10.00 $520 1.4
Johnson County $19.44 $1,011 $40,440 2.7 $101,200 $2,530 $30,360 $759 23,447 40% $9.96 $518 2.0
Jones County $13.21 $687 $27,480 1.8 $76,200 $1,905 $22,860 $572 1,998 24% $11.61 $604 1.1
Keokuk County $13.21 $687 $27,480 1.8 $69,200 $1,730 $20,760 $519 1,014 23% $12.72 $661 1.0
Kossuth County $13.21 $687 $27,480 1.8 $73,600 $1,840 $22,080 $552 1,584 24% $13.24 $688 1.0
Lee County $13.27 $690 $27,600 1.8 $64,400 $1,610 $19,320 $483 3,641 26% $11.50 $598 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-93

 FY20 HOUSING AREA MEDIAN
Iowa WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IOWA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F u ljobs
Ann u aincome l-timeatjobs a t Montlyre n trent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hournecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ou rly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford n e e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households households n te r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 FMR²
BR
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households households
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re n te r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Linn County $14.94 $777 $31,080 2.1 $85,200 $2,130 $25,560 $639 22,995 26% $13.90 $723 1.1
Louisa County $13.56 $705 $28,200 1.9 $71,800 $1,795 $21,540 $539 1,011 23% $12.99 $675 1.0
Lucas County $15.17 $789 $31,560 2.1 $67,100 $1,678 $20,130 $503 829 23% $13.22 $687 1.1
Lyon County $13.21 $687 $27,480 1.8 $74,200 $1,855 $22,260 $557 755 17% $13.66 $710 1.0
Madison County $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 1,356 21% $11.17 $581 1.5
Mahaska County $13.50 $702 $28,080 1.9 $65,100 $1,628 $19,530 $488 2,545 29% $11.64 $605 1.2
Marion County $14.12 $734 $29,360 1.9 $76,400 $1,910 $22,920 $573 3,924 29% $15.94 $829 0.9
Marshall County $14.83 $771 $30,840 2.0 $67,200 $1,680 $20,160 $504 4,416 29% $15.58 $810 1.0
Mills County $18.19 $946 $37,840 2.5 $87,000 $2,175 $26,100 $653 1,230 22% $9.58 $498 1.9
Mitchell County $13.21 $687 $27,480 1.8 $70,700 $1,768 $21,210 $530 762 17% $13.77 $716 1.0
Monona County $13.21 $687 $27,480 1.8 $63,900 $1,598 $19,170 $479 1,173 29% $9.40 $489 1.4
Monroe County $13.85 $720 $28,800 1.9 $66,900 $1,673 $20,070 $502 731 22% $16.05 $835 0.9
Montgomery County $13.21 $687 $27,480 1.8 $59,300 $1,483 $17,790 $445 1,439 31% $11.40 $593 1.2
Muscatine County $15.94 $829 $33,160 2.2 $73,100 $1,828 $21,930 $548 4,483 27% $17.51 $910 0.9
O'Brien County $13.21 $687 $27,480 1.8 $76,300 $1,908 $22,890 $572 1,694 28% $10.59 $551 1.2
Osceola County $13.21 $687 $27,480 1.8 $68,700 $1,718 $20,610 $515 631 24% $14.48 $753 0.9
Page County $13.21 $687 $27,480 1.8 $64,900 $1,623 $19,470 $487 1,741 28% $11.64 $605 1.1
Palo Alto County $13.21 $687 $27,480 1.8 $71,200 $1,780 $21,360 $534 980 26% $13.36 $695 1.0
Plymouth County $13.21 $687 $27,480 1.8 $79,100 $1,978 $23,730 $593 2,156 21% $14.08 $732 0.9
Pocahontas County $13.21 $687 $27,480 1.8 $67,000 $1,675 $20,100 $503 726 23% $16.41 $853 0.8
Polk County $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 60,322 33% $16.95 $882 1.0
Pottawattamie County $18.19 $946 $37,840 2.5 $87,000 $2,175 $26,100 $653 11,726 32% $13.09 $681 1.4
Poweshiek County $14.06 $731 $29,240 1.9 $73,000 $1,825 $21,900 $548 2,358 31% $13.92 $724 1.0
$13.21 $687 $27,480 1.8 $62,200 $1,555 $18,660 $467 454 23%
Sac County $13.21 $687 $27,480 1.8 $71,000 $1,775 $21,300 $533 913 21% $12.36 $643 1.1
Scott County $14.96 $778 $31,120 2.1 $75,400 $1,885 $22,620 $566 20,466 31% $12.51 $651 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-94

 FY20 HOUSING AREA MEDIAN
Iowa WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
IOWA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Shelby County $13.21 $687 $27,480 1.8 $72,500 $1,813 $21,750 $544 1,135 22% $11.69 $608 1.1
Sioux County $13.21 $687 $27,480 1.8 $80,600 $2,015 $24,180 $605 2,461 20% $11.73 $610 1.1
Story County $16.48 $857 $34,280 2.3 $104,300 $2,608 $31,290 $782 17,581 47% $11.89 $618 1.4
Tama County $13.35 $694 $27,760 1.8 $71,600 $1,790 $21,480 $537 1,602 24% $14.34 $746 0.9
Taylor County $13.21 $687 $27,480 1.8 $62,400 $1,560 $18,720 $468 622 23% $13.16 $684 1.0
Union County $13.21 $687 $27,480 1.8 $66,800 $1,670 $20,040 $501 1,518 29% $10.21 $531 1.3
Van Buren County $13.21 $687 $27,480 1.8 $64,600 $1,615 $19,380 $485 521 18% $10.63 $553 1.2
Wapello County $14.08 $732 $29,280 1.9 $58,700 $1,468 $17,610 $440 3,997 28% $11.28 $587 1.2
Warren County $17.31 $900 $36,000 2.4 $89,200 $2,230 $26,760 $669 4,194 22% $8.47 $440 2.0
Washington County $15.48 $805 $32,200 2.1 $78,200 $1,955 $23,460 $587 2,546 29% $10.45 $544 1.5
Wayne County $13.21 $687 $27,480 1.8 $58,200 $1,455 $17,460 $437 491 18% $12.45 $647 1.1
Webster County $13.21 $687 $27,480 1.8 $62,700 $1,568 $18,810 $470 4,948 33% $13.97 $727 0.9
Winnebago County $13.21 $687 $27,480 1.8 $67,100 $1,678 $20,130 $503 1,219 26% $11.78 $612 1.1
Winneshiek County $13.21 $687 $27,480 1.8 $80,700 $2,018 $24,210 $605 1,711 21% $10.58 $550 1.2
Woodbury County $15.44 $803 $32,120 2.1 $75,200 $1,880 $22,560 $564 13,393 34% $12.07 $628 1.3
Worth County $13.21 $687 $27,480 1.8 $68,100 $1,703 $20,430 $511 720 23% $10.77 $560 1.2
Wright County $13.21 $687 $27,480 1.8 $64,000 $1,600 $19,200 $480 1,620 28% $12.68 $659 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION IA-95

 KANSAS #37* STATE
RANKING

In Kansas, the Fair Market Rent (FMR) for a two-bedroom apartment is

$855. In order to afford this level of rent and utilities — without paying more $16.43
than 30% of income on housing — a household must earn $2,849 monthly or PER HOUR
$34,185 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT KANSAS:

STATE FACTS 91
Work Hours Per Week At
72
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.21
2-Bedroom Housing Wage $16.43
2.3 1.8
Number of Renter Households 378,704 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $855
$675
$18.81
One bedroom FMR
Kansas City HMFA
Rent affordable at area
$1866
$18.63
median income (AMI)
Manhattan MSA Rent affordable with full-time job
paying mean renter wage
$739
Geary County $18.46 Rent affordable at 30% of AMI $560

$17.88 $377
Rent affordable with full-time job
Lawrence MSA paying minimum wage

$235
$15.81
Rent affordable to SSI recipient
Wichita HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-96
 FY20 HOUSING AREA MEDIAN
Kansas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KANSAS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Kansas $16.43 $855 $34,185 2.3 $74,642 $1,866 $22,393 $560 378,704 34% $14.21 $739 1.2
Combined Nonmetro Areas $14.45 $751 $30,058 2.0 $63,850 $1,596 $19,155 $479 115,491 31% $12.48 $649 1.2

Metropolitan Areas
Kansas City HMFA $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 108,085 33% $16.35 $850 1.2
Kingman County HMFA $13.73 $714 $28,560 1.9 $74,300 $1,858 $22,290 $557 657 21% $12.54 $652 1.1
Lawrence MSA $17.88 $930 $37,200 2.5 $88,800 $2,220 $26,640 $666 22,293 48% $9.89 $514 1.8
Manhattan MSA $18.63 $969 $38,760 2.6 $69,700 $1,743 $20,910 $523 17,352 49% $12.09 $629 1.5
St. Joseph MSA $15.33 $797 $31,880 2.1 $63,600 $1,590 $19,080 $477 817 27% $11.90 $619 1.3
Sumner County HMFA $14.21 $739 $29,560 2.0 $71,900 $1,798 $21,570 $539 2,472 27% $10.41 $541 1.4
Topeka MSA $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 30,115 32% $13.26 $690 1.1
Wichita HMFA $15.81 $822 $32,880 2.2 $72,600 $1,815 $21,780 $545 81,422 35% $14.05 $731 1.1

Counties
Allen County $13.73 $714 $28,560 1.9 $61,600 $1,540 $18,480 $462 1,528 29% $10.44 $543 1.3
Anderson County $13.73 $714 $28,560 1.9 $61,100 $1,528 $18,330 $458 792 26% $15.71 $817 0.9
Atchison County $13.73 $714 $28,560 1.9 $61,900 $1,548 $18,570 $464 1,890 32% $12.55 $653 1.1
Barber County $13.73 $714 $28,560 1.9 $73,900 $1,848 $22,170 $554 572 29% $10.65 $554 1.3
Barton County $13.73 $714 $28,560 1.9 $66,100 $1,653 $19,830 $496 3,293 30% $11.99 $623 1.1
Bourbon County $13.73 $714 $28,560 1.9 $54,300 $1,358 $16,290 $407 1,725 30% $10.78 $560 1.3
Brown County $13.73 $714 $28,560 1.9 $57,900 $1,448 $17,370 $434 1,055 27% $14.71 $765 0.9
Butler County $15.81 $822 $32,880 2.2 $72,600 $1,815 $21,780 $545 6,439 26% $11.56 $601 1.4
Chase County $13.73 $714 $28,560 1.9 $65,200 $1,630 $19,560 $489 214 21% $10.65 $554 1.3
Chautauqua County $14.02 $729 $29,160 1.9 $56,900 $1,423 $17,070 $427 311 21% $9.36 $487 1.5
Cherokee County $13.81 $718 $28,720 1.9 $56,300 $1,408 $16,890 $422 2,082 26% $14.11 $734 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-97

 FY20 HOUSING AREA MEDIAN
Kansas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KANSAS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Cheyenne County $13.73 $714 $28,560 1.9 $63,700 $1,593 $19,110 $478 255 21% $12.26 $637 1.1
Clark County $15.62 $812 $32,480 2.2 $63,500 $1,588 $19,050 $476 255 29% $15.75 $819 1.0
Clay County $15.44 $803 $32,120 2.1 $67,800 $1,695 $20,340 $509 793 23% $8.95 $465 1.7
Cloud County $13.73 $714 $28,560 1.9 $58,000 $1,450 $17,400 $435 1,123 29% $9.59 $499 1.4
Coffey County $13.73 $714 $28,560 1.9 $76,900 $1,923 $23,070 $577 812 23% $20.90 $1,087 0.7
Comanche County $13.73 $714 $28,560 1.9 $66,000 $1,650 $19,800 $495 144 19% $12.87 $669 1.1
Cowley County $13.94 $725 $29,000 1.9 $60,200 $1,505 $18,060 $452 4,538 33% $12.95 $673 1.1
Crawford County $13.88 $722 $28,880 1.9 $61,100 $1,528 $18,330 $458 6,258 42% $10.91 $567 1.3
Decatur County $13.73 $714 $28,560 1.9 $60,500 $1,513 $18,150 $454 416 28% $12.69 $660 1.1
Dickinson County $13.73 $714 $28,560 1.9 $64,900 $1,623 $19,470 $487 2,359 30% $8.77 $456 1.6
Doniphan County $15.33 $797 $31,880 2.1 $63,600 $1,590 $19,080 $477 817 27% $11.90 $619 1.3
Douglas County $17.88 $930 $37,200 2.5 $88,800 $2,220 $26,640 $666 22,293 48% $9.89 $514 1.8
Edwards County $13.73 $714 $28,560 1.9 $61,100 $1,528 $18,330 $458 278 21% $15.71 $817 0.9
Elk County $13.73 $714 $28,560 1.9 $55,500 $1,388 $16,650 $416 225 20% $6.43 $335 2.1
Ellis County $13.94 $725 $29,000 1.9 $77,600 $1,940 $23,280 $582 4,486 39% $10.57 $550 1.3
Ellsworth County $13.73 $714 $28,560 1.9 $67,600 $1,690 $20,280 $507 613 25% $10.40 $541 1.3
Finney County $15.19 $790 $31,600 2.1 $62,000 $1,550 $18,600 $465 4,689 37% $16.20 $842 0.9
Ford County $14.73 $766 $30,640 2.0 $60,200 $1,505 $18,060 $452 4,244 38% $15.24 $792 1.0
Franklin County $15.21 $791 $31,640 2.1 $70,100 $1,753 $21,030 $526 2,876 29% $11.76 $612 1.3
Geary County $18.46 $960 $38,400 2.5 $53,600 $1,340 $16,080 $402 7,998 63% $13.74 $714 1.3
Gove County $13.73 $714 $28,560 1.9 $63,500 $1,588 $19,050 $476 277 23% $12.50 $650 1.1
Graham County $13.73 $714 $28,560 1.9 $61,800 $1,545 $18,540 $464 251 21% $10.23 $532 1.3
Grant County $13.73 $714 $28,560 1.9 $72,400 $1,810 $21,720 $543 569 22% $13.80 $718 1.0
Gray County $13.73 $714 $28,560 1.9 $72,200 $1,805 $21,660 $542 533 24% $15.71 $817 0.9
Greeley County $13.73 $714 $28,560 1.9 $65,300 $1,633 $19,590 $490 187 38% $13.70 $713 1.0
Greenwood County $13.73 $714 $28,560 1.9 $55,700 $1,393 $16,710 $418 725 26% $11.75 $611 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-98

 FY20 HOUSING AREA MEDIAN
Kansas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KANSAS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Hamilton County $13.73 $714 $28,560 1.9 $58,700 $1,468 $17,610 $440 263 31% $18.34 $954 0.7
Harper County $13.73 $714 $28,560 1.9 $61,600 $1,540 $18,480 $462 643 28% $14.59 $759 0.9
Harvey County $15.81 $822 $32,880 2.2 $72,600 $1,815 $21,780 $545 3,778 28% $10.81 $562 1.5
Haskell County $15.10 $785 $31,400 2.1 $63,100 $1,578 $18,930 $473 318 24% $17.18 $894 0.9
Hodgeman County $13.73 $714 $28,560 1.9 $72,700 $1,818 $21,810 $545 175 23% $11.82 $615 1.2
Jackson County $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 1,317 24% $7.68 $399 2.0
Jefferson County $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 1,370 18% $13.52 $703 1.1
Jewell County $13.73 $714 $28,560 1.9 $56,300 $1,408 $16,890 $422 251 18% $6.89 $358 2.0
Johnson County $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 69,855 31% $16.46 $856 1.1
Kearny County $13.73 $714 $28,560 1.9 $69,400 $1,735 $20,820 $521 299 24% $11.10 $577 1.2
Kingman County $13.73 $714 $28,560 1.9 $74,300 $1,858 $22,290 $557 657 21% $12.54 $652 1.1
Kiowa County $13.73 $714 $28,560 1.9 $66,600 $1,665 $19,980 $500 282 29% $10.00 $520 1.4
Labette County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 2,377 30% $10.09 $525 1.4
Lane County $13.73 $714 $28,560 1.9 $72,500 $1,813 $21,750 $544 180 23% $14.39 $748 1.0
Leavenworth County $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 8,809 33% $12.65 $658 1.5
Lincoln County $13.73 $714 $28,560 1.9 $67,200 $1,680 $20,160 $504 248 20% $12.69 $660 1.1
Linn County $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 973 22% $18.12 $942 1.0
Logan County $13.73 $714 $28,560 1.9 $70,600 $1,765 $21,180 $530 326 29% $10.31 $536 1.3
Lyon County $13.73 $714 $28,560 1.9 $60,800 $1,520 $18,240 $456 5,584 41% $10.82 $563 1.3
McPherson County $14.96 $778 $31,120 2.1 $72,900 $1,823 $21,870 $547 3,696 30% $13.73 $714 1.1
Marion County $13.73 $714 $28,560 1.9 $66,500 $1,663 $19,950 $499 981 20% $9.93 $516 1.4
Marshall County $13.73 $714 $28,560 1.9 $66,600 $1,665 $19,980 $500 946 23% $12.86 $669 1.1
Meade County $13.73 $714 $28,560 1.9 $66,200 $1,655 $19,860 $497 512 31% $13.35 $694 1.0
Miami County $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 2,730 21% $10.21 $531 1.8
Mitchell County $13.73 $714 $28,560 1.9 $66,800 $1,670 $20,040 $501 673 26% $10.64 $553 1.3
Montgomery County $13.73 $714 $28,560 1.9 $56,700 $1,418 $17,010 $425 4,208 31% $11.19 $582 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-99

 FY20 HOUSING AREA MEDIAN
Kansas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KANSAS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Morris County $13.73 $714 $28,560 1.9 $67,100 $1,678 $20,130 $503 485 22% $9.60 $499 1.4
Morton County $13.73 $714 $28,560 1.9 $60,800 $1,520 $18,240 $456 336 30% $10.80 $561 1.3
Nemaha County $13.73 $714 $28,560 1.9 $77,300 $1,933 $23,190 $580 1,045 26% $10.69 $556 1.3
Neosho County $13.73 $714 $28,560 1.9 $59,600 $1,490 $17,880 $447 1,974 30% $9.79 $509 1.4
Ness County $13.73 $714 $28,560 1.9 $62,600 $1,565 $18,780 $470 191 15% $14.19 $738 1.0
Norton County $13.73 $714 $28,560 1.9 $67,400 $1,685 $20,220 $506 500 26% $14.71 $765 0.9
Osage County $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 1,676 26% $7.94 $413 1.9
Osborne County $13.73 $714 $28,560 1.9 $61,400 $1,535 $18,420 $461 418 25% $10.78 $561 1.3
Ottawa County $14.02 $729 $29,160 1.9 $71,100 $1,778 $21,330 $533 456 19% $10.43 $542 1.3
Pawnee County $13.73 $714 $28,560 1.9 $60,100 $1,503 $18,030 $451 799 32% $14.56 $757 0.9
Phillips County $13.73 $714 $28,560 1.9 $64,600 $1,615 $19,380 $485 538 23% $12.76 $663 1.1
Pottawatomie County $18.63 $969 $38,760 2.6 $69,700 $1,743 $20,910 $523 2,014 23% $13.02 $677 1.4
Pratt County $14.54 $756 $30,240 2.0 $70,500 $1,763 $21,150 $529 1,162 32% $16.10 $837 0.9
Rawlins County $13.73 $714 $28,560 1.9 $67,200 $1,680 $20,160 $504 282 24% $11.19 $582 1.2
Reno County $14.42 $750 $30,000 2.0 $62,600 $1,565 $18,780 $470 7,845 31% $12.34 $641 1.2
Republic County $13.73 $714 $28,560 1.9 $64,900 $1,623 $19,470 $487 575 26% $10.38 $540 1.3
Rice County $13.73 $714 $28,560 1.9 $65,600 $1,640 $19,680 $492 989 26% $10.06 $523 1.4
Riley County $18.63 $969 $38,760 2.6 $69,700 $1,743 $20,910 $523 15,338 58% $11.70 $608 1.6
Rooks County $13.73 $714 $28,560 1.9 $63,500 $1,588 $19,050 $476 441 21% $10.60 $551 1.3
Rush County $13.73 $714 $28,560 1.9 $68,500 $1,713 $20,550 $514 323 23% $10.65 $554 1.3
Russell County $13.73 $714 $28,560 1.9 $64,300 $1,608 $19,290 $482 575 19% $10.13 $527 1.4
Saline County $15.19 $790 $31,600 2.1 $70,200 $1,755 $21,060 $527 7,210 32% $11.66 $606 1.3
Scott County $13.73 $714 $28,560 1.9 $71,800 $1,795 $21,540 $539 521 26% $12.43 $646 1.1
Sedgwick County $15.81 $822 $32,880 2.2 $72,600 $1,815 $21,780 $545 71,205 36% $14.37 $747 1.1
Seward County $14.60 $759 $30,360 2.0 $52,900 $1,323 $15,870 $397 2,307 32% $16.81 $874 0.9
Shawnee County $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 25,349 35% $13.54 $704 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-100

 FY20 HOUSING AREA MEDIAN
Kansas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KANSAS Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Sheridan County $13.73 $714 $28,560 1.9 $76,000 $1,900 $22,800 $570 298 26% $14.29 $743 1.0
Sherman County $14.63 $761 $30,440 2.0 $59,400 $1,485 $17,820 $446 946 36% $11.64 $605 1.3
Smith County $13.73 $714 $28,560 1.9 $60,600 $1,515 $18,180 $455 366 22% $11.48 $597 1.2
Stafford County $13.73 $714 $28,560 1.9 $64,700 $1,618 $19,410 $485 327 18% $11.13 $579 1.2
Stanton County $13.73 $714 $28,560 1.9 $60,600 $1,515 $18,180 $455 148 18% $12.69 $660 1.1
Stevens County $14.00 $728 $29,120 1.9 $69,600 $1,740 $20,880 $522 597 31% $13.57 $706 1.0
Sumner County $14.21 $739 $29,560 2.0 $71,900 $1,798 $21,570 $539 2,472 27% $10.41 $541 1.4
Thomas County $13.73 $714 $28,560 1.9 $70,600 $1,765 $21,180 $530 916 28% $9.25 $481 1.5
Trego County $13.73 $714 $28,560 1.9 $73,800 $1,845 $22,140 $554 318 23% $9.38 $488 1.5
Wabaunsee County $15.15 $788 $31,520 2.1 $77,700 $1,943 $23,310 $583 403 15% $12.56 $653 1.2
Wallace County $13.73 $714 $28,560 1.9 $87,800 $2,195 $26,340 $659 141 22% $10.87 $565 1.3
Washington County $13.73 $714 $28,560 1.9 $62,800 $1,570 $18,840 $471 501 21% $12.36 $643 1.1
Wichita County $13.73 $714 $28,560 1.9 $68,100 $1,703 $20,430 $511 239 26% $15.94 $829 0.9
Wilson County $13.73 $714 $28,560 1.9 $59,300 $1,483 $17,790 $445 1,063 28% $11.95 $621 1.1
Woodson County $13.73 $714 $28,560 1.9 $56,000 $1,400 $16,800 $420 331 22% $9.25 $481 1.5
Wyandotte County $18.81 $978 $39,120 2.6 $86,000 $2,150 $25,800 $645 25,718 43% $17.03 $886 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KS-101

 KENTUCKY #48* STATE
RANKING

In Kentucky, the Fair Market Rent (FMR) for a two-bedroom apartment is

$780. In order to afford this level of rent and utilities — without paying more $14.99
than 30% of income on housing — a household must earn $2,599 monthly or PER HOUR
$31,183 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT KENTUCKY:

STATE FACTS 83
Work Hours Per Week At
66
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.79
2-Bedroom Housing Wage $14.99
2.1 1.6
Number of Renter Households 571,050 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 33%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $780
$620
$16.77
One bedroom FMR
Louisville HMFA
Rent affordable at area $1663
$16.71
median income (AMI)
Clarksville MSA Rent affordable with full-time job paying
mean renter wage
$717
Cincinnati HMFA $16.63 Rent affordable at 30% of AMI $499

$16.50 $377
Rent affordable with full-time job
Lexington-Fayette MSA paying minimum wage

$235
$16.10
Rent affordable to SSI recipient
Shelby County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-102
 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Kentucky $14.99 $780 $31,183 2.1 $66,539 $1,663 $19,962 $499 571,050 33% $13.79 $717 1.1
Combined Nonmetro Areas $12.74 $662 $26,494 1.8 $53,160 $1,329 $15,948 $399 211,089 29% $11.40 $593 1.1

Metropolitan Areas
Allen County HMFA $12.58 $654 $26,160 1.7 $54,500 $1,363 $16,350 $409 2,140 28% $13.12 $682 1.0
Bowling Green HMFA $15.52 $807 $32,280 2.1 $64,400 $1,610 $19,320 $483 20,657 40% $12.75 $663 1.2
Butler County HMFA $12.13 $631 $25,240 1.7 $54,600 $1,365 $16,380 $410 1,340 27% $10.82 $562 1.1
Cincinnati HMFA $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 48,137 30% $14.38 $748 1.2
Clarksville MSA $16.71 $869 $34,760 2.3 $68,900 $1,723 $20,670 $517 14,683 46% $15.65 $814 1.1
Elizabethtown HMFA $15.02 $781 $31,240 2.1 $68,600 $1,715 $20,580 $515 17,110 37% $13.21 $687 1.1
Evansville MSA $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 7,223 39% $13.46 $700 1.1
Grant County HMFA $14.92 $776 $31,040 2.1 $52,900 $1,323 $15,870 $397 2,822 32% $13.55 $705 1.1
Huntington-Ashland HMFA $15.54 $808 $32,320 2.1 $59,100 $1,478 $17,730 $443 8,975 27% $12.25 $637 1.3
Lexington-Fayette MSA $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 82,633 41% $13.96 $726 1.2
Louisville HMFA $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 131,529 35% $16.31 $848 1.0
Meade County HMFA $13.87 $721 $28,840 1.9 $66,300 $1,658 $19,890 $497 2,952 28% $14.04 $730 1.0
Owensboro MSA $15.13 $787 $31,480 2.1 $63,400 $1,585 $19,020 $476 14,743 31% $13.34 $694 1.1
Shelby County HMFA $16.10 $837 $33,480 2.2 $78,900 $1,973 $23,670 $592 5,017 30% $9.88 $514 1.6

Counties
Adair County $12.13 $631 $25,240 1.7 $47,700 $1,193 $14,310 $358 1,667 24% $8.38 $436 1.4
Allen County $12.58 $654 $26,160 1.7 $54,500 $1,363 $16,350 $409 2,140 28% $13.12 $682 1.0
Anderson County $14.00 $728 $29,120 1.9 $69,700 $1,743 $20,910 $523 1,923 22% $11.05 $575 1.3
Ballard County $13.10 $681 $27,240 1.8 $58,200 $1,455 $17,460 $437 623 20% $13.71 $713 1.0
1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-103

 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Barren County $12.73 $662 $26,480 1.8 $50,100 $1,253 $15,030 $376 5,637 33% $11.30 $587 1.1
Bath County $12.69 $660 $26,400 1.8 $45,000 $1,125 $13,500 $338 1,336 29% $13.44 $699 0.9
Bell County $12.13 $631 $25,240 1.7 $33,100 $828 $9,930 $248 3,880 35% $9.74 $506 1.2
Boone County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 12,034 26% $13.98 $727 1.2
Bourbon County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 2,868 35% $12.05 $627 1.4
Boyd County $15.54 $808 $32,320 2.1 $59,100 $1,478 $17,730 $443 5,750 31% $12.48 $649 1.2
Boyle County $13.71 $713 $28,520 1.9 $58,600 $1,465 $17,580 $440 3,697 34% $12.93 $672 1.1
Bracken County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 856 25% $12.44 $647 1.3
Breathitt County $12.13 $631 $25,240 1.7 $33,700 $843 $10,110 $253 1,500 28% $7.49 $389 1.6
Breckinridge County $12.13 $631 $25,240 1.7 $62,300 $1,558 $18,690 $467 1,651 22% $9.58 $498 1.3
Bullitt County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 5,691 19% $11.84 $615 1.4
Butler County $12.13 $631 $25,240 1.7 $54,600 $1,365 $16,380 $410 1,340 27% $10.82 $562 1.1
Caldwell County $12.13 $631 $25,240 1.7 $58,200 $1,455 $17,460 $437 1,289 25% $12.04 $626 1.0
Calloway County $14.40 $749 $29,960 2.0 $60,100 $1,503 $18,030 $451 5,425 37% $8.72 $454 1.7
Campbell County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 11,290 31% $11.32 $589 1.5
Carlisle County $12.52 $651 $26,040 1.7 $55,200 $1,380 $16,560 $414 421 21% $9.96 $518 1.3
Carroll County $12.38 $644 $25,760 1.7 $51,400 $1,285 $15,420 $386 1,409 35% $15.30 $796 0.8
Carter County $12.13 $631 $25,240 1.7 $45,400 $1,135 $13,620 $341 2,300 23% $7.85 $408 1.5
Casey County $12.13 $631 $25,240 1.7 $45,400 $1,135 $13,620 $341 1,385 22% $10.68 $555 1.1
Christian County $16.71 $869 $34,760 2.3 $68,900 $1,723 $20,670 $517 13,635 53% $16.49 $858 1.0
Clark County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 4,773 33% $11.92 $620 1.4
Clay County $12.13 $631 $25,240 1.7 $34,000 $850 $10,200 $255 2,450 32% $10.88 $566 1.1
Clinton County $12.13 $631 $25,240 1.7 $39,600 $990 $11,880 $297 1,142 30% $10.37 $539 1.2
Crittenden County $12.13 $631 $25,240 1.7 $58,900 $1,473 $17,670 $442 685 19% $10.50 $546 1.2
Cumberland County $12.13 $631 $25,240 1.7 $45,700 $1,143 $13,710 $343 755 27% $7.56 $393 1.6
Daviess County $15.13 $787 $31,480 2.1 $63,400 $1,585 $19,020 $476 13,211 33% $12.62 $656 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-104

 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Edmonson County $15.52 $807 $32,280 2.1 $64,400 $1,610 $19,320 $483 969 20% $11.09 $577 1.4
Elliott County $12.21 $635 $25,400 1.7 $34,900 $873 $10,470 $262 667 26% $6.30 $328 1.9
Estill County $12.13 $631 $25,240 1.7 $42,300 $1,058 $12,690 $317 1,518 28% $9.73 $506 1.2
Fayette County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 58,634 46% $13.97 $726 1.2
Fleming County $12.13 $631 $25,240 1.7 $53,600 $1,340 $16,080 $402 1,762 30% $10.07 $523 1.2
Floyd County $12.13 $631 $25,240 1.7 $40,200 $1,005 $12,060 $302 4,483 30% $10.90 $567 1.1
Franklin County $14.40 $749 $29,960 2.0 $71,100 $1,778 $21,330 $533 7,807 37% $13.84 $720 1.0
Fulton County $12.13 $631 $25,240 1.7 $43,100 $1,078 $12,930 $323 1,020 40% $10.67 $555 1.1
Gallatin County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 875 28% $19.01 $989 0.9
Garrard County $13.02 $677 $27,080 1.8 $62,900 $1,573 $18,870 $472 1,315 19% $9.78 $509 1.3
Grant County $14.92 $776 $31,040 2.1 $52,900 $1,323 $15,870 $397 2,822 32% $13.55 $705 1.1
Graves County $12.13 $631 $25,240 1.7 $56,200 $1,405 $16,860 $422 3,861 27% $10.26 $534 1.2
Grayson County $12.13 $631 $25,240 1.7 $46,500 $1,163 $13,950 $349 2,797 29% $11.54 $600 1.1
Green County $12.13 $631 $25,240 1.7 $51,800 $1,295 $15,540 $389 1,098 25% $8.69 $452 1.4
Greenup County $15.54 $808 $32,320 2.1 $59,100 $1,478 $17,730 $443 3,225 23% $11.48 $597 1.4
Hancock County $15.13 $787 $31,480 2.1 $63,400 $1,585 $19,020 $476 713 22% $23.08 $1,200 0.7
Hardin County $15.02 $781 $31,240 2.1 $68,600 $1,715 $20,580 $515 15,613 38% $13.42 $698 1.1
Harlan County $12.13 $631 $25,240 1.7 $34,400 $860 $10,320 $258 3,571 32% $11.21 $583 1.1
Harrison County $12.13 $631 $25,240 1.7 $61,800 $1,545 $18,540 $464 2,198 31% $12.23 $636 1.0
Hart County $12.13 $631 $25,240 1.7 $48,300 $1,208 $14,490 $362 1,939 27% $10.68 $555 1.1
Henderson County $15.25 $793 $31,720 2.1 $74,800 $1,870 $22,440 $561 7,223 39% $13.46 $700 1.1
Henry County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 1,829 30% $11.07 $576 1.5
Hickman County $12.13 $631 $25,240 1.7 $51,900 $1,298 $15,570 $389 354 19% $13.06 $679 0.9
Hopkins County $12.52 $651 $26,040 1.7 $60,100 $1,503 $18,030 $451 5,741 31% $12.17 $633 1.0
Jackson County $12.13 $631 $25,240 1.7 $40,700 $1,018 $12,210 $305 1,450 27% $12.11 $630 1.0
Jefferson County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 118,979 38% $16.80 $874 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-105

 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Jessamine County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 6,955 37% $12.23 $636 1.3
Johnson County $12.13 $631 $25,240 1.7 $49,800 $1,245 $14,940 $374 2,418 28% $8.88 $462 1.4
Kenton County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 21,748 34% $16.27 $846 1.0
Knott County $12.13 $631 $25,240 1.7 $40,900 $1,023 $12,270 $307 1,556 25% $9.07 $472 1.3
Knox County $12.13 $631 $25,240 1.7 $34,800 $870 $10,440 $261 4,434 36% $10.33 $537 1.2
Larue County $15.02 $781 $31,240 2.1 $68,600 $1,715 $20,580 $515 1,497 26% $9.40 $489 1.6
Laurel County $12.37 $643 $25,720 1.7 $48,700 $1,218 $14,610 $365 6,881 30% $10.47 $545 1.2
Lawrence County $12.13 $631 $25,240 1.7 $44,200 $1,105 $13,260 $332 1,476 25% $6.40 $333 1.9
Lee County $12.13 $631 $25,240 1.7 $37,200 $930 $11,160 $279 859 30% $8.03 $418 1.5
Leslie County $12.13 $631 $25,240 1.7 $39,600 $990 $11,880 $297 829 20% $8.70 $453 1.4
Letcher County $12.13 $631 $25,240 1.7 $39,900 $998 $11,970 $299 2,420 24% $9.88 $514 1.2
Lewis County $12.13 $631 $25,240 1.7 $48,200 $1,205 $14,460 $362 1,353 25% $8.30 $432 1.5
Lincoln County $12.13 $631 $25,240 1.7 $49,200 $1,230 $14,760 $369 2,228 23% $11.05 $575 1.1
Livingston County $12.63 $657 $26,280 1.7 $58,500 $1,463 $17,550 $439 915 23% $11.04 $574 1.1
Logan County $12.13 $631 $25,240 1.7 $57,600 $1,440 $17,280 $432 3,399 32% $14.09 $732 0.9
Lyon County $12.13 $631 $25,240 1.7 $64,900 $1,623 $19,470 $487 608 19% $5.70 $296 2.1
McCracken County $14.27 $742 $29,680 2.0 $80,000 $2,000 $24,000 $600 9,487 34% $12.26 $637 1.2
McCreary County $12.13 $631 $25,240 1.7 $27,000 $675 $8,100 $203 1,837 30% $8.20 $426 1.5
McLean County $15.13 $787 $31,480 2.1 $63,400 $1,585 $19,020 $476 819 21% $10.28 $535 1.5
Madison County $13.56 $705 $28,200 1.9 $70,600 $1,765 $21,180 $530 13,833 42% $11.58 $602 1.2
Magoffin County $12.13 $631 $25,240 1.7 $40,600 $1,015 $12,180 $305 1,464 29% $7.22 $375 1.7
Marion County $12.27 $638 $25,520 1.7 $56,800 $1,420 $17,040 $426 2,031 27% $14.05 $731 0.9
Marshall County $13.52 $703 $28,120 1.9 $67,100 $1,678 $20,130 $503 2,851 21% $14.41 $749 0.9
Martin County $12.13 $631 $25,240 1.7 $43,100 $1,078 $12,930 $323 1,141 28% $11.61 $604 1.0
Mason County $12.25 $637 $25,480 1.7 $61,200 $1,530 $18,360 $459 2,340 35% $12.66 $658 1.0
Meade County $13.87 $721 $28,840 1.9 $66,300 $1,658 $19,890 $497 2,952 28% $14.04 $730 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-106

 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Menifee County $12.13 $631 $25,240 1.7 $49,900 $1,248 $14,970 $374 450 17% $11.59 $603 1.0
Mercer County $12.71 $661 $26,440 1.8 $66,000 $1,650 $19,800 $495 2,463 29% $12.68 $659 1.0
Metcalfe County $12.13 $631 $25,240 1.7 $44,900 $1,123 $13,470 $337 911 23% $8.75 $455 1.4
Monroe County $12.13 $631 $25,240 1.7 $52,100 $1,303 $15,630 $391 1,274 29% $8.33 $433 1.5
Montgomery County $13.67 $711 $28,440 1.9 $56,400 $1,410 $16,920 $423 3,519 34% $13.09 $681 1.0
Morgan County $12.13 $631 $25,240 1.7 $43,900 $1,098 $13,170 $329 1,324 27% $9.66 $502 1.3
Muhlenberg County $12.13 $631 $25,240 1.7 $55,400 $1,385 $16,620 $416 2,407 21% $11.70 $608 1.0
Nelson County $13.54 $704 $28,160 1.9 $71,200 $1,780 $21,360 $534 4,086 23% $12.21 $635 1.1
Nicholas County $12.13 $631 $25,240 1.7 $54,500 $1,363 $16,350 $409 769 29% $8.21 $427 1.5
Ohio County $12.13 $631 $25,240 1.7 $50,600 $1,265 $15,180 $380 2,210 24% $11.20 $582 1.1
Oldham County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 3,136 15% $9.74 $507 1.7
Owen County $12.31 $640 $25,600 1.7 $54,700 $1,368 $16,410 $410 1,055 27% $11.87 $617 1.0
Owsley County $12.13 $631 $25,240 1.7 $41,300 $1,033 $12,390 $310 503 30% $6.84 $356 1.8
Pendleton County $16.63 $865 $34,600 2.3 $86,300 $2,158 $25,890 $647 1,334 25% $11.96 $622 1.4
Perry County $12.13 $631 $25,240 1.7 $45,700 $1,143 $13,710 $343 2,832 25% $11.74 $611 1.0
Pike County $13.27 $690 $27,600 1.8 $43,600 $1,090 $13,080 $327 7,054 27% $12.57 $654 1.1
Powell County $12.38 $644 $25,760 1.7 $52,600 $1,315 $15,780 $395 1,444 30% $8.36 $435 1.5
Pulaski County $12.46 $648 $25,920 1.7 $50,700 $1,268 $15,210 $380 7,953 31% $10.21 $531 1.2
Robertson County $12.13 $631 $25,240 1.7 $54,800 $1,370 $16,440 $411 191 21% $9.84 $511 1.2
Rockcastle County $12.13 $631 $25,240 1.7 $50,900 $1,273 $15,270 $382 1,526 23% $9.89 $515 1.2
Rowan County $13.29 $691 $27,640 1.8 $54,200 $1,355 $16,260 $407 3,428 40% $10.93 $569 1.2
Russell County $12.13 $631 $25,240 1.7 $46,000 $1,150 $13,800 $345 1,828 26% $10.24 $532 1.2
Scott County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 6,272 31% $17.09 $889 1.0
Shelby County $16.10 $837 $33,480 2.2 $78,900 $1,973 $23,670 $592 5,017 30% $9.88 $514 1.6
Simpson County $13.79 $717 $28,680 1.9 $59,300 $1,483 $17,790 $445 2,420 35% $12.35 $642 1.1
Spencer County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 1,005 15% $8.25 $429 2.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-107

 FY20 HOUSING AREA MEDIAN
Kentucky WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
KENTUCKY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Taylor County $12.13 $631 $25,240 1.7 $48,600 $1,215 $14,580 $365 3,568 37% $8.06 $419 1.5
Todd County $12.48 $649 $25,960 1.7 $51,100 $1,278 $15,330 $383 1,437 31% $10.87 $565 1.1
Trigg County $16.71 $869 $34,760 2.3 $68,900 $1,723 $20,670 $517 1,048 18% $7.24 $376 2.3
Trimble County $16.77 $872 $34,880 2.3 $77,500 $1,938 $23,250 $581 889 25% $15.97 $830 1.1
Union County $12.13 $631 $25,240 1.7 $56,300 $1,408 $16,890 $422 1,679 31% $14.34 $746 0.8
Warren County $15.52 $807 $32,280 2.1 $64,400 $1,610 $19,320 $483 19,688 42% $12.77 $664 1.2
Washington County $12.58 $654 $26,160 1.7 $61,500 $1,538 $18,450 $461 1,140 24% $13.65 $710 0.9
Wayne County $12.13 $631 $25,240 1.7 $45,000 $1,125 $13,500 $338 2,284 28% $8.62 $448 1.4
Webster County $12.13 $631 $25,240 1.7 $52,600 $1,315 $15,780 $395 1,345 27% $19.33 $1,005 0.6
Whitley County $12.13 $631 $25,240 1.7 $46,600 $1,165 $13,980 $350 3,829 31% $12.10 $629 1.0
Wolfe County $12.13 $631 $25,240 1.7 $35,200 $880 $10,560 $264 1,044 37% $8.50 $442 1.4
Woodford County $16.50 $858 $34,320 2.3 $79,400 $1,985 $23,820 $596 3,131 31% $12.07 $628 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION KY-108

 LOUISIANA #29* STATE
RANKING

In Louisiana, the Fair Market Rent (FMR) for a two-bedroom apartment is

$909. In order to afford this level of rent and utilities — without paying more $17.48
than 30% of income on housing — a household must earn $3,030 monthly or PER HOUR
$36,356 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT LOUISIANA:

STATE FACTS 96
Work Hours Per Week At
80
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.64
2-Bedroom Housing Wage $17.48
2.4 2
Number of Renter Households 602,937 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 35%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $909
$756
$20.73
One bedroom FMR
New Orleans-Metairie HMFA
Rent affordable at area $1620
$17.54
median income (AMI)
Lafayette HMFA Rent affordable with full-time job paying
mean renter wage
$761
Baton Rouge HMFA $17.19 Rent affordable at 30% of AMI $486

$16.98 $377
Rent affordable with full-time job
St. Mary Parish paying minimum wage

$235
$16.79
Rent affordable to SSI recipient
Houma-Thibodaux MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION LA-109
 FY20 HOUSING AREA MEDIAN
Louis iana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
LOUISIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Louisiana $17.48 $909 $36,356 2.4 $64,793 $1,620 $19,438 $486 602,937 35% $14.64 $761 1.2
Combined Nonmetro Areas $14.95 $777 $31,088 2.1 $51,095 $1,277 $15,329 $383 94,867 34% $11.52 $599 1.3

Metropolitan Areas
Acadia Parish HMFA $13.65 $710 $28,400 1.9 $55,300 $1,383 $16,590 $415 6,598 29% $9.49 $494 1.4
Alexandria MSA $15.27 $794 $31,760 2.1 $58,400 $1,460 $17,520 $438 21,063 38% $11.94 $621 1.3
Baton Rouge HMFA $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 93,792 32% $15.64 $813 1.1
Hammond MSA $16.75 $871 $34,840 2.3 $54,100 $1,353 $16,230 $406 15,080 32% $8.77 $456 1.9
Houma-Thibodaux MSA $16.79 $873 $34,920 2.3 $67,200 $1,680 $20,160 $504 20,550 27% $16.42 $854 1.0
Iberia Parish HMFA $15.44 $803 $32,120 2.1 $54,800 $1,370 $16,440 $411 8,727 33% $15.93 $828 1.0
Iberville Parish HMFA $13.65 $710 $28,400 1.9 $59,300 $1,483 $17,790 $445 2,828 26% $22.74 $1,183 0.6
Lafayette HMFA $17.54 $912 $36,480 2.4 $65,200 $1,630 $19,560 $489 35,872 33% $13.49 $702 1.3
Lake Charles MSA $16.10 $837 $33,480 2.2 $70,800 $1,770 $21,240 $531 25,785 32% $16.77 $872 1.0
Monroe MSA $14.88 $774 $30,960 2.1 $56,700 $1,418 $17,010 $425 24,622 38% $11.69 $608 1.3
New Orleans-Metairie HMFA $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 180,838 38% $16.09 $837 1.3
Shreveport-Bossier City HMFA $16.56 $861 $34,440 2.3 $56,700 $1,418 $17,010 $425 60,366 39% $12.91 $672 1.3
St. James Parish HMFA $15.56 $809 $32,360 2.1 $67,300 $1,683 $20,190 $505 1,792 23% $19.03 $989 0.8
Vermilion Parish HMFA $13.65 $710 $28,400 1.9 $62,800 $1,570 $18,840 $471 4,866 22% $11.04 $574 1.2
Webster Parish HMFA $13.65 $710 $28,400 1.9 $44,000 $1,100 $13,200 $330 5,291 33% $12.42 $646 1.1

Counties
Acadia Parish $13.65 $710 $28,400 1.9 $55,300 $1,383 $16,590 $415 6,598 29% $9.49 $494 1.4
Allen Parish $13.65 $710 $28,400 1.9 $58,200 $1,455 $17,460 $437 2,052 26% $11.84 $616 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION LA-110

 FY20 HOUSING AREA MEDIAN
Louis iana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
LOUISIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Ascension Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 8,489 20% $15.43 $802 1.1
Assumption Parish $14.19 $738 $29,520 2.0 $64,700 $1,618 $19,410 $485 1,991 23% $14.46 $752 1.0
Avoyelles Parish $13.75 $715 $28,600 1.9 $52,500 $1,313 $15,750 $394 4,473 30% $8.37 $435 1.6
Beauregard Parish $13.65 $710 $28,400 1.9 $65,700 $1,643 $19,710 $493 2,942 22% $11.13 $579 1.2
Bienville Parish $13.65 $710 $28,400 1.9 $47,700 $1,193 $14,310 $358 1,584 27% $10.25 $533 1.3
Bossier Parish $16.56 $861 $34,440 2.3 $56,700 $1,418 $17,010 $425 18,396 38% $13.35 $694 1.2
Caddo Parish $16.56 $861 $34,440 2.3 $56,700 $1,418 $17,010 $425 39,194 41% $12.76 $663 1.3
Calcasieu Parish $16.10 $837 $33,480 2.2 $70,800 $1,770 $21,240 $531 25,431 33% $15.72 $817 1.0
Caldwell Parish $13.65 $710 $28,400 1.9 $49,000 $1,225 $14,700 $368 943 26% $11.03 $574 1.2
Cameron Parish $16.10 $837 $33,480 2.2 $70,800 $1,770 $21,240 $531 354 13% $25.03 $1,302 0.6
Catahoula Parish $13.65 $710 $28,400 1.9 $58,100 $1,453 $17,430 $436 797 22% $5.91 $307 2.3
Claiborne Parish $14.40 $749 $29,960 2.0 $40,200 $1,005 $12,060 $302 2,016 34% $10.88 $566 1.3
Concordia Parish $13.65 $710 $28,400 1.9 $44,500 $1,113 $13,350 $334 2,533 34% $9.94 $517 1.4
De Soto Parish $16.56 $861 $34,440 2.3 $56,700 $1,418 $17,010 $425 2,776 26% $12.69 $660 1.3
East Baton Rouge Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 68,217 41% $16.20 $842 1.1
East Carroll Parish $13.65 $710 $28,400 1.9 $29,700 $743 $8,910 $223 1,103 51% $9.01 $469 1.5
East Feliciana Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 1,238 18% $7.52 $391 2.3
Evangeline Parish $13.65 $710 $28,400 1.9 $44,000 $1,100 $13,200 $330 4,126 34% $10.95 $569 1.2
Franklin Parish $13.65 $710 $28,400 1.9 $50,100 $1,253 $15,030 $376 2,242 29% $6.80 $354 2.0
Grant Parish $15.27 $794 $31,760 2.1 $58,400 $1,460 $17,520 $438 2,333 33% $12.19 $634 1.3
Iberia Parish $15.44 $803 $32,120 2.1 $54,800 $1,370 $16,440 $411 8,727 33% $15.93 $828 1.0
Iberville Parish $13.65 $710 $28,400 1.9 $59,300 $1,483 $17,790 $445 2,828 26% $22.74 $1,183 0.6
Jackson Parish $13.65 $710 $28,400 1.9 $50,900 $1,273 $15,270 $382 1,736 29% $9.05 $470 1.5
Jefferson Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 65,042 39% $16.17 $841 1.3
Jefferson Davis Parish $13.65 $710 $28,400 1.9 $57,400 $1,435 $17,220 $431 3,268 28% $10.39 $540 1.3
Lafayette Parish $17.54 $912 $36,480 2.4 $65,200 $1,630 $19,560 $489 31,565 35% $13.65 $710 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION LA-111

 FY20 HOUSING AREA MEDIAN
Louis iana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
LOUISIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lafourche Parish $16.79 $873 $34,920 2.3 $67,200 $1,680 $20,160 $504 8,928 24% $14.50 $754 1.2
La Salle Parish $13.65 $710 $28,400 1.9 $44,200 $1,105 $13,260 $332 1,253 25% $11.81 $614 1.2
Lincoln Parish $14.69 $764 $30,560 2.0 $58,000 $1,450 $17,400 $435 8,496 48% $10.76 $560 1.4
Livingston Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 9,237 19% $12.22 $636 1.4
Madison Parish $13.65 $710 $28,400 1.9 $38,300 $958 $11,490 $287 1,716 44% $9.07 $472 1.5
Morehouse Parish $13.65 $710 $28,400 1.9 $43,900 $1,098 $13,170 $329 3,220 33% $8.14 $423 1.7
Natchitoches Parish $16.15 $840 $33,600 2.2 $49,600 $1,240 $14,880 $372 8,046 55% $11.14 $579 1.4
Orleans Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 80,999 53% $16.25 $845 1.3
Ouachita Parish $14.88 $774 $30,960 2.1 $56,700 $1,418 $17,010 $425 23,264 41% $12.05 $627 1.2
Plaquemines Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 2,877 33% $32.25 $1,677 0.6
Pointe Coupee Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 2,145 24% $9.95 $517 1.7
Rapides Parish $15.27 $794 $31,760 2.1 $58,400 $1,460 $17,520 $438 18,730 39% $11.93 $621 1.3
Red River Parish $14.67 $763 $30,520 2.0 $53,400 $1,335 $16,020 $401 843 25% $12.36 $643 1.2
Richland Parish $13.65 $710 $28,400 1.9 $49,300 $1,233 $14,790 $370 2,619 35% $9.62 $500 1.4
Sabine Parish $13.65 $710 $28,400 1.9 $57,300 $1,433 $17,190 $430 2,903 32% $9.32 $485 1.5
St. Bernard Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 4,831 32% $16.60 $863 1.2
St. Charles Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 3,669 20% $19.41 $1,009 1.1
St. Helena Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 661 17% $10.24 $532 1.7
St. James Parish $15.56 $809 $32,360 2.1 $67,300 $1,683 $20,190 $505 1,792 23% $19.03 $989 0.8
St. John the Baptist Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 3,668 24% $18.71 $973 1.1
St. Landry Parish $14.15 $736 $29,440 2.0 $43,800 $1,095 $13,140 $329 9,120 30% $9.81 $510 1.4
St. Martin Parish $17.54 $912 $36,480 2.4 $65,200 $1,630 $19,560 $489 4,307 22% $11.70 $608 1.5
St. Mary Parish $16.98 $883 $35,320 2.3 $54,200 $1,355 $16,260 $407 7,706 39% $20.10 $1,045 0.8
St. Tammany Parish $20.73 $1,078 $43,120 2.9 $70,400 $1,760 $21,120 $528 19,752 21% $11.95 $621 1.7
Tangipahoa Parish $16.75 $871 $34,840 2.3 $54,100 $1,353 $16,230 $406 15,080 32% $8.77 $456 1.9
Tensas Parish $13.65 $710 $28,400 1.9 $34,100 $853 $10,230 $256 618 34% $11.53 $600 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION LA-112

 FY20 HOUSING AREA MEDIAN
Louis iana WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
LOUISIANA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Terrebonne Parish $16.79 $873 $34,920 2.3 $67,200 $1,680 $20,160 $504 11,622 29% $17.61 $916 1.0
Union Parish $14.88 $774 $30,960 2.1 $56,700 $1,418 $17,010 $425 1,358 18% $6.56 $341 2.3
Vermilion Parish $13.65 $710 $28,400 1.9 $62,800 $1,570 $18,840 $471 4,866 22% $11.04 $574 1.2
Vernon Parish $20.73 $1,078 $43,120 2.9 $56,800 $1,420 $17,040 $426 8,420 47% $15.33 $797 1.4
Washington Parish $13.65 $710 $28,400 1.9 $46,500 $1,163 $13,950 $349 5,346 31% $9.77 $508 1.4
Webster Parish $13.65 $710 $28,400 1.9 $44,000 $1,100 $13,200 $330 5,291 33% $12.42 $646 1.1
West Baton Rouge Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 2,691 28% $16.12 $838 1.1
West Carroll Parish $13.65 $710 $28,400 1.9 $52,600 $1,315 $15,780 $395 1,017 25% $12.48 $649 1.1
West Feliciana Parish $17.19 $894 $35,760 2.4 $78,500 $1,963 $23,550 $589 1,114 29% $17.02 $885 1.0
Winn Parish $13.65 $710 $28,400 1.9 $43,500 $1,088 $13,050 $326 1,738 32% $9.97 $518 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION LA-113

 MAINE #25* STATE
RANKING

In Maine, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,029. In order to afford this level of rent and utilities — without paying more $19.79
than 30% of income on housing — a household must earn $3,430 monthly or PER HOUR
$41,156 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MAINE:

STATE FACTS 66
Work Hours Per Week At
52
Work Hours Per Week At
Minimum Wage $12.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $12.34
2-Bedroom Housing Wage $19.79
1.6 1.3
Number of Renter Households 154,809 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 28%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1029
$813
$29.15
One bedroom FMR
Portland HMFA
Rent affordable at area $1920
$25.52
median income (AMI)
York-Kittery-South Berwick HMFA Rent affordable with full-time
job paying mean renter wage
$642
Cumberland County (part) HMFA $20.21 Rent affordable at 30% of AMI $576

$20.21 $624
Rent affordable with full-time job
York County (part) HMFA paying minimum wage

$238
$18.48
Rent affordable to SSI recipient
Sagadahoc County HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ME-114
TOWNS WITHIN MAINE FMR AREAS
BANGOR, ME HMFA
PENOBSCOT COUNTY
Bangor city, Brewer city, Eddington town, Glenburn town, Hampden town, Hermon town, Holden town, Kenduskeag town, Milford
town, Old Town city, Orono town, Orrington town, Penobscot Indian Island Reservation, Veazie town

CUMBERLAND COUNTY, ME (PART) HMFA

CUMBERLAND COUNTY
Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town,
Sebago town

LEWISTON-AUBURN, ME MSA
ANDROSCOGGIN COUNTY
Auburn city, Durham town, Greene town, Leeds town, Lewiston city, Lisbon town, Livermore Falls town, Livermore town, Mechanic
Falls town, Minot town, Poland town, Sabattus town, Turner town, Wales town

PENOBSCOT COUNTY, ME (PART) HMFA

PENOBSCOT COUNTY
Alton town, Argyle UT, Bradford town, Bradley town, Burlington town, Carmel town, Carroll plantation, Charleston town, Chester town,
Clifton town, Corinna town, Corinth town, Dexter town, Dixmont town, Drew plantation, East Central Penobscot UT, East Millinocket
town, Edinburg town, Enfield town, Etna town, Exeter town, Garland town, Greenbush town, Howland town, Hudson town, Kingman
UT, Lagrange town, Lakeville town, Lee town, Levant town, Lincoln town, Lowell town, Mattawamkeag town, Maxfield town, Medway
town, Millinocket town, Mount Chase town, Newburgh town, Newport town, North Penobscot UT, Passadumkeag town, Patten town,
Plymouth town, Prentiss UT, Seboeis plantation, Springfield town, Stacyville town, Stetson town, Twombly UT, Webster plantation,
Whitney UT, Winn town, Woodville town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ME-115

PORTLAND, ME HMFA
CUMBERLAND COUNTY
Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town,
Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland
city, Standish town, Westbrook city, Windham town, Yarmouth town
YORK COUNTY
Buxton town, Hollis town, Limington town, Old Orchard Beach town

SAGADAHOC COUNTY, ME HMFA

SAGADAHOC COUNTY
Arrowsic town, Bath city, Bowdoin town, Bowdoinham town, Georgetown town, Perkins UT, Phippsburg town, Richmond town,
Topsham town, West Bath town, Woolwich town

YORK COUNTY, ME (PART) HMFA

YORK COUNTY
Acton town, Alfred town, Arundel town, Biddeford city, Cornish town, Dayton town, Kennebunk town, Kennebunkport town, Lebanon
town, Limerick town, Lyman town, Newfield town, North Berwick town, Ogunquit town, Parsonsfield town, Saco city, Sanford town,
Shapleigh town, Waterboro town, Wells town

YORK-KITTERY-SOUTH BERWICK, ME HMFA

YORK COUNTY
Berwick town, Eliot town, Kittery town, South Berwick town, York town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ME-116

 FY20 HOUSING AREA MEDIAN
Maine WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MAINE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affo2rdBR
e nte r wwage FMR
2 BR FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Maine $19.79 $1,029 $41,156 1.6 $76,811 $1,920 $23,043 $576 154,809 28% $12.34 $642 1.6
Combined Nonmetro Areas $15.32 $796 $31,859 1.3 $65,369 $1,634 $19,611 $490 56,893 25% $10.24 $532 1.5

Metropolitan Areas
Bangor HMFA $18.13 $943 $37,720 1.5 $72,900 $1,823 $21,870 $547 13,915 37% $11.06 $575 1.6
Cumberland County (part) HMFA $20.21 $1,051 $42,040 1.7 $78,100 $1,953 $23,430 $586 4,833 24% $15.01 $781 1.3
Lewiston-Auburn MSA $16.23 $844 $33,760 1.4 $75,900 $1,898 $22,770 $569 16,219 36% $12.26 $637 1.3
Penobscot County (part) HMFA $15.60 $811 $32,440 1.3 $57,400 $1,435 $17,220 $431 4,742 20% $11.06 $575 1.4
Portland HMFA $29.15 $1,516 $60,640 2.4 $100,900 $2,523 $30,270 $757 35,124 32% $14.83 $771 2.0
Sagadahoc County HMFA $18.48 $961 $38,440 1.5 $78,500 $1,963 $23,550 $589 3,846 24% $14.70 $764 1.3
York County (part) HMFA $20.21 $1,051 $42,040 1.7 $79,000 $1,975 $23,700 $593 15,351 28% $11.51 $598 1.8
York-Kittery-South Berwick HMFA $25.52 $1,327 $53,080 2.1 $100,700 $2,518 $30,210 $755 3,886 21% $11.51 $598 2.2

Counties
Aroostook County $13.73 $714 $28,560 1.1 $55,000 $1,375 $16,500 $413 8,382 28% $9.22 $480 1.5
Franklin County $13.73 $714 $28,560 1.1 $60,700 $1,518 $18,210 $455 2,461 21% $8.32 $432 1.7
Hancock County $17.19 $894 $35,760 1.4 $70,300 $1,758 $21,090 $527 5,806 25% $10.81 $562 1.6
Kennebec County $15.37 $799 $31,960 1.3 $77,700 $1,943 $23,310 $583 15,099 29% $10.34 $538 1.5
Knox County $16.19 $842 $33,680 1.3 $68,200 $1,705 $20,460 $512 3,967 23% $12.13 $631 1.3
Lincoln County $16.81 $874 $34,960 1.4 $73,600 $1,840 $22,080 $552 3,372 22% $9.65 $502 1.7
Oxford County $15.38 $800 $32,000 1.3 $58,400 $1,460 $17,520 $438 4,057 19% $8.90 $463 1.7
Piscataquis County $13.73 $714 $28,560 1.1 $52,800 $1,320 $15,840 $396 1,796 24% $8.37 $435 1.6
Somerset County $15.02 $781 $31,240 1.3 $57,500 $1,438 $17,250 $431 5,215 24% $10.39 $540 1.4
Waldo County $15.92 $828 $33,120 1.3 $65,500 $1,638 $19,650 $491 3,484 20% $13.02 $677 1.2
Washington County $15.04 $782 $31,280 1.3 $53,800 $1,345 $16,140 $404 3,254 24% $9.61 $500 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ME-117

 MARYLAND #8* STATE
RANKING

In Maryland, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,459. In order to afford this level of rent and utilities — without paying more $28.06
than 30% of income on housing — a household must earn $4,864 monthly or PER HOUR
$58,366 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MARYLAND:

STATE FACTS 102
Work Hours Per Week At
85
Work Hours Per Week At
Minimum Wage $11.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $18.16
2-Bedroom Housing Wage $28.06
2.6 2.1
Number of Renter Households 728,577 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 33%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1459
$1223
$32.83
One bedroom FMR
Washington-Arlington-Alexandria HMFA
Rent affordable at area $2734
$26.46
median income (AMI)
Baltimore-Columbia-Towson MSA Rent affordable with full-time
job paying mean renter wage
$944
California-Lexington Park MSA $25.54 Rent affordable at 30% of AMI $820

$23.58 $572
Rent affordable with full-time job
Cecil County paying minimum wage

$235
$22.37
Rent affordable to SSI recipient
Talbot County
$0 $1000 $2000 $3000
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MD-118
 FY20 HOUSING AREA MEDIAN
Maryland WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MARYLAND Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Maryland $28.06 $1,459 $58,366 2.6 $109,357 $2,734 $32,807 $820 728,577 33% $18.16 $944 1.5
Combined Nonmetro Areas $18.91 $983 $39,324 1.7 $72,891 $1,822 $21,867 $547 17,778 29% $11.72 $609 1.6

Metropolitan Areas
Baltimore-Columbia-Towson MSA $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 350,557 34% $18.86 $981 1.4
California-Lexington Park MSA $25.54 $1,328 $53,120 2.3 $103,600 $2,590 $31,080 $777 11,767 29% $18.33 $953 1.4
Cumberland MSA $13.73 $714 $28,560 1.2 $61,900 $1,548 $18,570 $464 8,735 31% $10.47 $545 1.3
Hagerstown HMFA $16.75 $871 $34,840 1.5 $79,800 $1,995 $23,940 $599 19,314 35% $12.81 $666 1.3
Philadelphia-Camden-Wilmington MSA $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 10,056 27% $13.31 $692 1.8
Salisbury HMFA $19.27 $1,002 $40,080 1.8 $67,500 $1,688 $20,250 $506 15,366 41% $13.43 $699 1.4
Somerset County HMFA $14.23 $740 $29,600 1.3 $54,800 $1,370 $16,440 $411 2,937 35% $10.28 $535 1.4
Washington-Arlington-Alexandria HMFA $32.83 $1,707 $68,280 3.0 $126,000 $3,150 $37,800 $945 286,775 33% $18.88 $982 1.7
Worcester County HMFA $18.69 $972 $38,880 1.7 $76,000 $1,900 $22,800 $570 5,292 24% $10.07 $524 1.9

Counties
Allegany County $13.73 $714 $28,560 1.2 $61,900 $1,548 $18,570 $464 8,735 31% $10.47 $545 1.3
Anne Arundel County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 53,259 26% $19.44 $1,011 1.4
Baltimore County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 107,272 34% $18.04 $938 1.5
Calvert County $32.83 $1,707 $68,280 3.0 $126,000 $3,150 $37,800 $945 5,359 17% $14.01 $729 2.3
Caroline County $18.54 $964 $38,560 1.7 $67,500 $1,688 $20,250 $506 3,333 28% $13.49 $701 1.4
Carroll County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 10,782 18% $10.26 $533 2.6
Cecil County $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 10,056 27% $13.31 $692 1.8
Charles County $32.83 $1,707 $68,280 3.0 $126,000 $3,150 $37,800 $945 13,139 24% $12.12 $630 2.7
Dorchester County $17.63 $917 $36,680 1.6 $68,400 $1,710 $20,520 $513 4,320 33% $10.79 $561 1.6

Columbia City is not included due to a lack of sufficient data. 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MD-119

 FY20 HOUSING AREA MEDIAN
Maryland WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MARYLAND Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Frederick County $32.83 $1,707 $68,280 3.0 $126,000 $3,150 $37,800 $945 23,026 25% $14.13 $735 2.3
Garrett County $14.08 $732 $29,280 1.3 $61,500 $1,538 $18,450 $461 2,654 22% $10.56 $549 1.3
Harford County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 20,083 22% $11.77 $612 2.2
Howard County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 30,318 27% $20.94 $1,089 1.3
Kent County $19.77 $1,028 $41,120 1.8 $78,700 $1,968 $23,610 $590 2,432 31% $11.40 $593 1.7
Montgomery County $32.83 $1,707 $68,280 2.3 $126,000 $3,150 $37,800 $945 127,964 35% $21.52 $1,119 1.5
Prince George's County $32.83 $1,707 $68,280 2.9 $126,000 $3,150 $37,800 $945 117,287 38% $17.64 $917 1.9
Queen Anne's County $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 3,304 18% $9.67 $503 2.7
St. Mary's County $25.54 $1,328 $53,120 2.3 $103,600 $2,590 $31,080 $777 11,767 29% $18.33 $953 1.4
Somerset County $14.23 $740 $29,600 1.3 $54,800 $1,370 $16,440 $411 2,937 35% $10.28 $535 1.4
Talbot County $22.37 $1,163 $46,520 2.0 $85,900 $2,148 $25,770 $644 5,039 30% $12.15 $632 1.8
Washington County $16.75 $871 $34,840 1.5 $79,800 $1,995 $23,940 $599 19,314 35% $12.81 $666 1.3
Wicomico County $19.27 $1,002 $40,080 1.8 $67,500 $1,688 $20,250 $506 15,366 41% $13.43 $699 1.4
Worcester County $18.69 $972 $38,880 1.7 $76,000 $1,900 $22,800 $570 5,292 24% $10.07 $524 1.9
Baltimore city $26.46 $1,376 $55,040 2.4 $104,000 $2,600 $31,200 $780 125,539 53% $22.06 $1,147 1.2

Columbia City is not included due to a lack of sufficient data. 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MD-120

 MASSACHUSETTS #3* STATE
RANKING

In Massachusetts, the Fair Market Rent (FMR) for a two-bedroom apartment

is $1,847. In order to afford this level of rent and utilities — without paying $35.52
more than 30% of income on housing — a household must earn $6,158 monthly PER HOUR
or $73,890 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MASSACHUSETTS:

STATE FACTS 111
Work Hours Per Week At
90
Work Hours Per Week At
Minimum Wage $12.75 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $21.74
2-Bedroom Housing Wage $35.52
2.8 2.3
Number of Renter Households 968,213 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 38%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1847
$1498
$44.44
One bedroom FMR
Boston-Cambridge-Quincy HMFA
Rent affordable at area
$2647
$33.23
median income (AMI)
Dukes County Rent affordable with full-time job paying
mean renter wage
$1131
Nantucket County $33.06 Rent affordable at 30% of AMI $794

$29.50 $663
Rent affordable with full-time job
Lowell HMFA paying minimum wage

$269
$29.38
Rent affordable to SSI recipient
Brockton HMFA
$0 $1000 $2000 $3000
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-121
TOWNS WITHIN MASSACHUSETTS FMR AREAS
BARNSTABLE TOWN, MA MSA
BARNSTABLE COUNTY
Barnstable Town city, Bourne town, Brewster town, Chatham town, Dennis town, Eastham town, Falmouth town, Harwich town,
Mashpee town, Orleans town, Provincetown town, Sandwich town, Truro town, Wellfleet town, Yarmouth town

BERKSHIRE COUNTY, MA (PART) HMFA

BERKSHIRE COUNTY
Alford town, Becket town, Clarksburg town, Egremont town, Florida town, Great Barrington town, Hancock town, Monterey town,
Mount Washington town, New Ashford town, New Marlborough town, North Adams city, Otis town, Peru town, Sandisfield town,
Savoy town, Sheffield town, Tyringham town, Washington town, West Stockbridge town, Williamstown town, Windsor town

BOSTON-CAMBRIDGE-QUINCY, MA-NH HMFA

ESSEX COUNTY
Amesbury town, Beverly city, Danvers town, Essex town, Gloucester city, Hamilton town, Ipswich town, Lynn city, Lynnfield town,
Manchester-by-the-Sea town, Marblehead town, Middleton town, Nahant town, Newbury town, Newburyport city, Peabody city,
Rockport town, Rowley town, Salem city, Salisbury town, Saugus town, Swampscott town, Topsfield town, Wenham town
MIDDLESEX COUNTY
Acton town, Arlington town, Ashby town, Ashland town, Ayer town, Bedford town, Belmont town, Boxborough town, Burlington
town, Cambridge city, Carlisle town, Concord town, Everett city, Framingham town, Holliston town, Hopkinton town, Hudson town,
Lexington town, Lincoln town, Littleton town, Malden city, Marlborough city, Maynard town, Medford city, Melrose city, Natick town,
Newton city, North Reading town, Reading town, Sherborn town, Shirley town, Somerville city, Stoneham town, Stow town, Sudbury
town, Townsend town, Wakefield town, Waltham city, Watertown city, Wayland town, Weston town, Wilmington town, Winchester
town, Woburn city
NORFOLK COUNTY
Bellingham town, Braintree town, Brookline town, Canton town, Cohasset town, Dedham town, Dover town, Foxborough town,
Franklin Town city, Holbrook town, Medfield town, Medway town, Millis town, Milton town, Needham town, Norfolk town, Norwood
town, Plainville town, Quincy city, Randolph town, Sharon town, Stoughton town, Walpole town, Wellesley town, Westwood town,
Weymouth Town city, Wrentham town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-122

PLYMOUTH COUNTY
Carver town, Duxbury town, Hanover town, Hingham town, Hull town, Kingston town, Marshfield town, Norwell town, Pembroke town,
Plymouth town, Rockland town, Scituate town, Wareham town
SUFFOLK COUNTY
Boston city, Chelsea city, Revere city, Winthrop Town city

BROCKTON, MA HMFA
NORFOLK COUNTY
Avon town
PLYMOUTH COUNTY
Abington town, Bridgewater town, Brockton city, East Bridgewater town, Halifax town, Hanson town, Lakeville town, Marion town,
Mattapoisett town, Middleborough town, Plympton town, Rochester town, West Bridgewater town, Whitman town

EASTERN WORCESTER COUNTY, MA HMFA

WORCESTER COUNTY
Berlin town, Blackstone town, Bolton town, Harvard town, Hopedale town, Lancaster town, Mendon town, Milford town, Millville town,
Southborough town, Upton town

EASTON-RAYNHAM, MA HMFA
BRISTOL COUNTY
Easton town, Raynham town

FITCHBURG-LEOMINSTER, MA HMFA
WORCESTER COUNTY
Ashburnham town, Fitchburg city, Gardner city, Leominster city, Lunenburg town, Templeton town, Westminster town, Winchendon
town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-123

LAWRENCE, MA-NH HMFA
ESSEX COUNTY
Andover town, Boxford town, Georgetown town, Groveland town, Haverhill city, Lawrence city, Merrimac town, Methuen city, North
Andover town, West Newbury town

LOWELL, MA HMFA
MIDDLESEX COUNTY
Billerica town, Chelmsford town, Dracut town, Dunstable town, Groton town, Lowell city, Pepperell town, Tewksbury town,
Tyngsborough town, Westford town

NEW BEDFORD, MA HMFA

BRISTOL COUNTY
Acushnet town, Dartmouth town, Fairhaven town, Freetown town, New Bedford city

PITTSFIELD, MA HMFA
BERKSHIRE COUNTY
Adams town, Cheshire town, Dalton town, Hinsdale town, Lanesborough town, Lee town, Lenox town, Pittsfield city, Richmond town,
Stockbridge town

PROVIDENCE-FALL RIVER, RI-MA HMFA

BRISTOL COUNTY
Attleboro city, Fall River city, North Attleborough town, Rehoboth town, Seekonk town, Somerset town, Swansea town, Westport town

SPRINGFIELD, MA HMFA
HAMPDEN COUNTY
Agawam Town city, Blandford town, Brimfield town, Chester town, Chicopee city, East Longmeadow town, Granville town, Hampden
town, Holland town, Holyoke city, Longmeadow town, Ludlow town, Monson town, Montgomery town, Palmer Town city, Russell town,
Southwick town, Springfield city, Tolland town, Wales town, West Springfield town, Westfield city, Wilbraham town
HAMPSHIRE COUNTY
Amherst town, Belchertown town, Chesterfield town, Cummington town, Easthampton Town city, Goshen town, Granby town, Hadley

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-124

town, Hatfield town, Huntington town, Middlefield town, Northampton city, Pelham town, Plainfield town, South Hadley town,
Southampton town, Ware town, Westhampton town, Williamsburg town, Worthington town

TAUNTON-MANSFIELD-NORTON, MA HMFA
BRISTOL COUNTY
Berkley town, Dighton town, Mansfield town, Norton town, Taunton city

WESTERN WORCESTER COUNTY, MA HMFA

WORCESTER COUNTY
Athol town, Hardwick town, Hubbardston town, New Braintree town, Petersham town, Phillipston town, Royalston town, Warren town

WORCESTER, MA HMFA
WORCESTER COUNTY
Auburn town, Barre town, Boylston town, Brookfield town, Charlton town, Clinton town, Douglas town, Dudley town, East Brookfield
town, Grafton town, Holden town, Leicester town, Millbury town, North Brookfield town, Northborough town, Northbridge town,
Oakham town, Oxford town, Paxton town, Princeton town, Rutland town, Shrewsbury town, Southbridge town, Spencer town, Sterling
town, Sturbridge town, Sutton town, Uxbridge town, Webster town, West Boylston town, West Brookfield town, Westborough town,
Worcester city

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-125

 FY20 HOUSING AREA MEDIAN
Massachusetts WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MASSACHUSETTS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Massachusetts $35.52 $1,847 $73,890 2.8 $105,892 $2,647 $31,768 $794 968,213 38% $21.74 $1,131 1.6
Combined Nonmetro Areas $23.69 $1,232 $49,269 1.9 $87,287 $2,182 $26,186 $655 11,883 29% $12.26 $638 1.9

Metropolitan Areas
Barnstable Town MSA $29.10 $1,513 $60,520 2.3 $96,600 $2,415 $28,980 $725 19,301 20% $13.11 $682 2.2
Berkshire County (part) HMFA $21.31 $1,108 $44,320 1.7 $80,900 $2,023 $24,270 $607 4,845 25% $12.41 $645 1.7
Boston-Cambridge-Quincy HMFA $44.44 $2,311 $92,440 3.5 $119,000 $2,975 $35,700 $893 539,092 41% $26.21 $1,363 1.7
Brockton HMFA $29.38 $1,528 $61,120 2.3 $95,200 $2,380 $28,560 $714 26,529 30% $11.69 $608 2.5
Eastern Worcester County HMFA $23.73 $1,234 $49,360 1.9 $111,600 $2,790 $33,480 $837 6,969 21% $14.12 $734 1.7
Easton-Raynham HMFA $29.33 $1,525 $61,000 2.3 $121,300 $3,033 $36,390 $910 2,626 20% $13.00 $676 2.3
Fitchburg-Leominster HMFA $20.71 $1,077 $43,080 1.6 $83,200 $2,080 $24,960 $624 21,079 38% $14.12 $734 1.5
Lawrence HMFA $27.65 $1,438 $57,520 2.2 $98,000 $2,450 $29,400 $735 40,316 39% $14.94 $777 1.9
Lowell HMFA $29.50 $1,534 $61,360 2.3 $108,000 $2,700 $32,400 $810 34,882 31% $26.87 $1,397 1.1
New Bedford HMFA $18.50 $962 $38,480 1.5 $74,300 $1,858 $22,290 $557 28,314 44% $13.00 $676 1.4
Pittsfield HMFA $19.73 $1,026 $41,040 1.5 $90,900 $2,273 $27,270 $682 12,328 34% $12.41 $645 1.6
Providence-Fall River HMFA $20.67 $1,075 $43,000 1.6 $87,000 $2,175 $26,100 $653 38,469 40% $13.00 $676 1.6
Springfield MSA $21.44 $1,115 $44,600 1.7 $77,200 $1,930 $23,160 $579 90,183 38% $12.14 $631 1.8
Taunton-Mansfield-Norton HMFA $23.17 $1,205 $48,200 1.8 $111,900 $2,798 $33,570 $839 11,832 28% $13.00 $676 1.8
Western Worcester County HMFA $18.52 $963 $38,520 1.5 $88,400 $2,210 $26,520 $663 2,571 22% $14.12 $734 1.3
Worcester HMFA $26.88 $1,398 $55,920 2.1 $98,200 $2,455 $29,460 $737 76,994 37% $14.12 $734 1.9

Counties
Dukes County $33.23 $1,728 $69,120 2.6 $104,800 $2,620 $31,440 $786 1,437 23% $15.80 $822 2.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-126

 FY20 HOUSING AREA MEDIAN
Massachusetts WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MASSACHUSETTS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Franklin County $21.06 $1,095 $43,800 1.7 $80,000 $2,000 $24,000 $600 9,300 31% $11.05 $574 1.9
$33.06 $1,719 $68,760 2.6 $116,700 $2,918 $35,010 $875 1,146 31%

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MA-127

 MICHIGAN #30* STATE
RANKING

In Michigan, the Fair Market Rent (FMR) for a two-bedroom apartment is

$906. In order to afford this level of rent and utilities — without paying more $17.42
than 30% of income on housing — a household must earn $3,019 monthly or PER HOUR
$36,227 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MICHIGAN:

STATE FACTS 72
Work Hours Per Week At
57
Work Hours Per Week At
Minimum Wage $9.65 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.38
2-Bedroom Housing Wage $17.42
1.8 1.4
Number of Renter Households 1,132,395 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 29%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $906
$717
$21.62
One bedroom FMR
Ann Arbor MSA
Rent affordable at area $1868
$19.37
median income (AMI)
Livingston County Rent affordable with full-time job
paying mean renter wage
$800
Detroit-Warren-Livonia HMFA $18.79 Rent affordable at 30% of AMI $560

$18.50 $502
Rent affordable with full-time job
Grand Rapids-Wyoming HMFA paying minimum wage

$239
$17.52
Rent affordable to SSI recipient
Grand Traverse County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-128
 FY20 HOUSING AREA MEDIAN
Michigan WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MICHIGAN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Michigan $17.42 $906 $36,227 1.8 $74,703 $1,868 $22,411 $560 1,132,395 29% $15.38 $800 1.1
Combined Nonmetro Areas $14.19 $738 $29,517 1.5 $62,152 $1,554 $18,646 $466 158,928 22% $11.27 $586 1.3

Metropolitan Areas
Ann Arbor MSA $21.62 $1,124 $44,960 2.2 $101,500 $2,538 $30,450 $761 55,088 39% $16.58 $862 1.3
Barry County HMFA $16.38 $852 $34,080 1.7 $72,000 $1,800 $21,600 $540 4,216 18% $12.85 $668 1.3
Battle Creek MSA $15.27 $794 $31,760 1.6 $61,100 $1,528 $18,330 $458 16,379 31% $14.99 $780 1.0
Bay City MSA $14.12 $734 $29,360 1.5 $59,500 $1,488 $17,850 $446 9,788 22% $11.58 $602 1.2
Cass County HMFA $15.50 $806 $32,240 1.6 $65,900 $1,648 $19,770 $494 4,071 20% $11.63 $605 1.3
Detroit-Warren-Livonia HMFA $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 516,806 32% $17.89 $930 1.1
Flint MSA $15.08 $784 $31,360 1.6 $62,400 $1,560 $18,720 $468 51,196 30% $12.81 $666 1.2
Grand Rapids-Wyoming HMFA $18.50 $962 $38,480 1.9 $80,200 $2,005 $24,060 $602 74,035 31% $13.91 $723 1.3
Holland-Grand Haven HMFA $16.10 $837 $33,480 1.7 $83,600 $2,090 $25,080 $627 21,909 22% $13.12 $682 1.2
Jackson MSA $15.31 $796 $31,840 1.6 $66,400 $1,660 $19,920 $498 16,417 27% $13.23 $688 1.2
Kalamazoo-Portage MSA $16.13 $839 $33,560 1.7 $79,000 $1,975 $23,700 $593 43,783 33% $14.99 $779 1.1
Lansing-East Lansing MSA $17.17 $893 $35,720 1.8 $80,700 $2,018 $24,210 $605 65,595 35% $14.11 $733 1.2
Livingston County HMFA $19.37 $1,007 $40,280 2.0 $101,700 $2,543 $30,510 $763 10,518 15% $12.04 $626 1.6
Midland MSA $15.48 $805 $32,200 1.6 $82,200 $2,055 $24,660 $617 8,295 24% $17.70 $920 0.9
Monroe MSA $16.35 $850 $34,000 1.7 $80,600 $2,015 $24,180 $605 11,806 20% $12.67 $659 1.3
Montcalm County HMFA $14.38 $748 $29,920 1.5 $55,700 $1,393 $16,710 $418 5,182 22% $10.53 $548 1.4
Muskegon MSA $15.02 $781 $31,240 1.6 $62,900 $1,573 $18,870 $472 16,703 25% $11.11 $578 1.4
Niles-Benton Harbor MSA $14.75 $767 $30,680 1.5 $61,000 $1,525 $18,300 $458 19,320 30% $13.75 $715 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-129

 FY20 HOUSING AREA MEDIAN
Michigan WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MICHIGAN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Saginaw MSA $14.87 $773 $30,920 1.5 $62,900 $1,573 $18,870 $472 22,360 28% $12.78 $665 1.2

Counties
Alcona County $13.71 $713 $28,520 1.4 $52,200 $1,305 $15,660 $392 610 12% $11.30 $588 1.2
Alger County $13.71 $713 $28,520 1.4 $60,000 $1,500 $18,000 $450 466 15% $9.21 $479 1.5
Allegan County $14.52 $755 $30,200 1.5 $78,700 $1,968 $23,610 $590 7,606 18% $14.92 $776 1.0
Alpena County $13.71 $713 $28,520 1.4 $56,800 $1,420 $17,040 $426 2,858 22% $8.85 $460 1.5
Antrim County $13.71 $713 $28,520 1.4 $64,500 $1,613 $19,350 $484 1,365 14% $8.11 $422 1.7
Arenac County $13.71 $713 $28,520 1.4 $52,700 $1,318 $15,810 $395 1,170 18% $9.92 $516 1.4
Baraga County $13.71 $713 $28,520 1.4 $55,700 $1,393 $16,710 $418 578 19% $8.84 $460 1.6
Barry County $16.38 $852 $34,080 1.7 $72,000 $1,800 $21,600 $540 4,216 18% $12.85 $668 1.3
Bay County $14.12 $734 $29,360 1.5 $59,500 $1,488 $17,850 $446 9,788 22% $11.58 $602 1.2
Benzie County $14.92 $776 $31,040 1.5 $69,400 $1,735 $20,820 $521 696 10% $7.16 $372 2.1
Berrien County $14.75 $767 $30,680 1.5 $61,000 $1,525 $18,300 $458 19,320 30% $13.75 $715 1.1
Branch County $14.08 $732 $29,280 1.5 $61,100 $1,528 $18,330 $458 4,196 25% $12.16 $632 1.2
Calhoun County $15.27 $794 $31,760 1.6 $61,100 $1,528 $18,330 $458 16,379 31% $14.99 $780 1.0
Cass County $15.50 $806 $32,240 1.6 $65,900 $1,648 $19,770 $494 4,071 20% $11.63 $605 1.3
Charlevoix County $14.42 $750 $30,000 1.5 $68,400 $1,710 $20,520 $513 2,132 19% $12.12 $630 1.2
Cheboygan County $13.71 $713 $28,520 1.4 $55,600 $1,390 $16,680 $417 1,974 18% $8.12 $422 1.7
Chippewa County $13.71 $713 $28,520 1.4 $56,900 $1,423 $17,070 $427 4,325 31% $8.68 $452 1.6
Clare County $13.71 $713 $28,520 1.4 $48,000 $1,200 $14,400 $360 2,295 18% $10.72 $558 1.3
Clinton County $17.17 $893 $35,720 1.8 $80,700 $2,018 $24,210 $605 6,248 21% $10.90 $567 1.6
Crawford County $14.04 $730 $29,200 1.5 $54,900 $1,373 $16,470 $412 1,110 18% $11.94 $621 1.2
Delta County $13.71 $713 $28,520 1.4 $60,300 $1,508 $18,090 $452 3,274 21% $8.19 $426 1.7
Dickinson County $14.19 $738 $29,520 1.5 $59,800 $1,495 $17,940 $449 2,469 22% $12.69 $660 1.1
Eaton County $17.17 $893 $35,720 1.8 $80,700 $2,018 $24,210 $605 12,471 28% $13.90 $723 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-130

 FY20 HOUSING AREA MEDIAN
Michigan WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MICHIGAN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Emmet County $15.33 $797 $31,880 1.6 $70,600 $1,765 $21,180 $530 3,872 27% $11.81 $614 1.3
Genesee County $15.08 $784 $31,360 1.6 $62,400 $1,560 $18,720 $468 51,196 30% $12.81 $666 1.2
Gladwin County $13.71 $713 $28,520 1.4 $53,800 $1,345 $16,140 $404 1,707 16% $9.07 $471 1.5
Gogebic County $13.71 $713 $28,520 1.4 $54,500 $1,363 $16,350 $409 1,409 21% $9.45 $491 1.5
Grand Traverse County $17.52 $911 $36,440 1.8 $81,000 $2,025 $24,300 $608 8,805 24% $13.65 $710 1.3
Gratiot County $13.71 $713 $28,520 1.4 $55,200 $1,380 $16,560 $414 4,135 27% $11.09 $577 1.2
Hillsdale County $13.94 $725 $29,000 1.4 $60,800 $1,520 $18,240 $456 4,166 23% $12.31 $640 1.1
Houghton County $13.71 $713 $28,520 1.4 $62,400 $1,560 $18,720 $468 4,286 32% $8.42 $438 1.6
Huron County $13.71 $713 $28,520 1.4 $60,500 $1,513 $18,150 $454 2,628 19% $11.17 $581 1.2
Ingham County $17.17 $893 $35,720 1.8 $80,700 $2,018 $24,210 $605 46,876 42% $14.61 $760 1.2
Ionia County $14.75 $767 $30,680 1.5 $65,100 $1,628 $19,530 $488 5,237 23% $9.67 $503 1.5
Iosco County $13.71 $713 $28,520 1.4 $52,800 $1,320 $15,840 $396 2,370 20% $14.09 $733 1.0
Iron County $13.71 $713 $28,520 1.4 $55,600 $1,390 $16,680 $417 1,022 19% $10.34 $537 1.3
Isabella County $13.85 $720 $28,800 1.4 $66,200 $1,655 $19,860 $497 9,511 38% $9.77 $508 1.4
Jackson County $15.31 $796 $31,840 1.6 $66,400 $1,660 $19,920 $498 16,417 27% $13.23 $688 1.2
Kalamazoo County $16.13 $839 $33,560 1.7 $79,000 $1,975 $23,700 $593 37,185 36% $15.32 $796 1.1
Kalkaska County $13.71 $713 $28,520 1.4 $53,000 $1,325 $15,900 $398 1,375 19% $16.45 $855 0.8
Kent County $18.50 $962 $38,480 1.9 $80,200 $2,005 $24,060 $602 74,035 31% $13.91 $723 1.3
Keweenaw County $13.71 $713 $28,520 1.4 $55,800 $1,395 $16,740 $419 125 12% $5.50 $286 2.5
Lake County $13.71 $713 $28,520 1.4 $46,100 $1,153 $13,830 $346 718 16% $6.55 $340 2.1
Lapeer County $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 5,489 16% $9.68 $503 1.9
Leelanau County $15.19 $790 $31,600 1.6 $78,600 $1,965 $23,580 $590 1,133 12% $9.26 $482 1.6
Lenawee County $14.19 $738 $29,520 1.5 $70,300 $1,758 $21,090 $527 8,644 23% $12.82 $667 1.1
Livingston County $19.37 $1,007 $40,280 2.0 $101,700 $2,543 $30,510 $763 10,518 15% $12.04 $626 1.6
Luce County $13.71 $713 $28,520 1.4 $54,400 $1,360 $16,320 $408 413 19% $9.64 $501 1.4
Mackinac County $13.71 $713 $28,520 1.4 $54,500 $1,363 $16,350 $409 1,378 26% $8.63 $449 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-131

 FY20 HOUSING AREA MEDIAN
Michigan WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MICHIGAN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Macomb County $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 92,835 27% $16.74 $870 1.1
Manistee County $13.71 $713 $28,520 1.4 $58,100 $1,453 $17,430 $436 1,681 18% $10.54 $548 1.3
Marquette County $14.48 $753 $30,120 1.5 $63,300 $1,583 $18,990 $475 8,036 31% $10.52 $547 1.4
Mason County $13.92 $724 $28,960 1.4 $59,100 $1,478 $17,730 $443 2,641 22% $11.04 $574 1.3
Mecosta County $13.71 $713 $28,520 1.4 $59,500 $1,488 $17,850 $446 4,235 27% $9.81 $510 1.4
Menominee County $13.71 $713 $28,520 1.4 $58,400 $1,460 $17,520 $438 2,301 22% $10.79 $561 1.3
Midland County $15.48 $805 $32,200 1.6 $82,200 $2,055 $24,660 $617 8,295 24% $17.70 $920 0.9
Missaukee County $14.37 $747 $29,880 1.5 $53,400 $1,335 $16,020 $401 1,122 19% $12.10 $629 1.2
Monroe County $16.35 $850 $34,000 1.7 $80,600 $2,015 $24,180 $605 11,806 20% $12.67 $659 1.3
Montcalm County $14.38 $748 $29,920 1.5 $55,700 $1,393 $16,710 $418 5,182 22% $10.53 $548 1.4
Montmorency County $13.71 $713 $28,520 1.4 $48,400 $1,210 $14,520 $363 590 14% $11.16 $581 1.2
Muskegon County $15.02 $781 $31,240 1.6 $62,900 $1,573 $18,870 $472 16,703 25% $11.11 $578 1.4
Newaygo County $13.71 $713 $28,520 1.4 $57,000 $1,425 $17,100 $428 3,354 18% $10.71 $557 1.3
Oakland County $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 146,415 29% $18.82 $979 1.0
Oceana County $13.71 $713 $28,520 1.4 $54,100 $1,353 $16,230 $406 1,884 19% $10.44 $543 1.3
Ogemaw County $13.71 $713 $28,520 1.4 $50,100 $1,253 $15,030 $376 1,692 18% $11.25 $585 1.2
Ontonagon County $13.71 $713 $28,520 1.4 $49,800 $1,245 $14,940 $374 341 12% $7.31 $380 1.9
Osceola County $13.71 $713 $28,520 1.4 $52,500 $1,313 $15,750 $394 1,669 18% $11.78 $613 1.2
Oscoda County $13.71 $713 $28,520 1.4 $49,700 $1,243 $14,910 $373 602 16% $8.21 $427 1.7
Otsego County $15.02 $781 $31,240 1.6 $63,100 $1,578 $18,930 $473 2,074 21% $10.18 $530 1.5
Ottawa County $16.10 $837 $33,480 1.7 $83,600 $2,090 $25,080 $627 21,909 22% $13.12 $682 1.2
Presque Isle County $13.71 $713 $28,520 1.4 $55,000 $1,375 $16,500 $413 655 11% $7.84 $408 1.7
Roscommon County $13.71 $713 $28,520 1.4 $47,400 $1,185 $14,220 $356 1,907 17% $8.62 $448 1.6
Saginaw County $14.87 $773 $30,920 1.5 $62,900 $1,573 $18,870 $472 22,360 28% $12.78 $665 1.2
St. Clair County $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 15,047 23% $11.52 $599 1.6
St. Joseph County $13.71 $713 $28,520 1.4 $60,100 $1,503 $18,030 $451 6,206 26% $11.24 $584 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-132

 FY20 HOUSING AREA MEDIAN
Michigan WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MICHIGAN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Sanilac County $13.71 $713 $28,520 1.4 $56,600 $1,415 $16,980 $425 3,471 20% $10.69 $556 1.3
Schoolcraft County $13.71 $713 $28,520 1.4 $53,300 $1,333 $15,990 $400 591 18% $9.45 $492 1.5
Shiawassee County $13.71 $713 $28,520 1.4 $71,100 $1,778 $21,330 $533 6,842 25% $11.02 $573 1.2
Tuscola County $13.71 $713 $28,520 1.4 $58,400 $1,460 $17,520 $438 3,891 18% $11.21 $583 1.2
Van Buren County $16.13 $839 $33,560 1.7 $79,000 $1,975 $23,700 $593 6,598 23% $12.91 $672 1.2
Washtenaw County $21.62 $1,124 $44,960 2.2 $101,500 $2,538 $30,450 $761 55,088 39% $16.58 $862 1.3
Wayne County $18.79 $977 $39,080 1.9 $78,500 $1,963 $23,550 $589 257,020 38% $18.02 $937 1.0
Wexford County $14.08 $732 $29,280 1.5 $52,900 $1,323 $15,870 $397 3,085 24% $11.10 $577 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MI-133

 MINNESOTA #22* STATE
RANKING

In Minnesota, the Fair Market Rent (FMR) for a two-bedroom apartment

is $1,068. In order to afford this level of rent and utilities — without paying $20.53
more than 30% of income on housing — a household must earn $3,559 monthly PER HOUR
or $42,705 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MINNESOTA:

STATE FACTS 82
Work Hours Per Week At
65
Work Hours Per Week At
Minimum Wage $10.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $16.06
2-Bedroom Housing Wage $20.53
2.1 1.6
Number of Renter Households 616,511 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 28%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1068
$847
$23.35
One bedroom FMR
Minneapolis-St. Paul-Bloomington HMFA
Rent affordable at area $2320
$19.54
median income (AMI)
Rochester HMFA Rent affordable with full-time
job paying mean renter wage
$835
Rice County $17.75 Rent affordable at 30% of AMI $696

$17.69 $520
Rent affordable with full-time job
Mankato-North Mankato MSA paying minimum wage

$259
$17.33
Rent affordable to SSI recipient
Mille Lacs County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-134
 FY20 HOUSING AREA MEDIAN
Minnes ota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MINNESOTA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Minnesota $20.53 $1,068 $42,705 2.1 $92,812 $2,320 $27,844 $696 616,511 28% $16.06 $835 1.3
Combined Nonmetro Areas $14.74 $766 $30,650 1.5 $71,821 $1,796 $21,546 $539 120,152 24% $10.98 $571 1.3

Metropolitan Areas
Duluth MSA $15.69 $816 $32,640 1.6 $76,800 $1,920 $23,040 $576 27,557 28% $11.80 $613 1.3
Fargo MSA $16.04 $834 $33,360 1.6 $89,400 $2,235 $26,820 $671 7,500 32% $8.15 $424 2.0
Fillmore County HMFA $13.73 $714 $28,560 1.4 $75,900 $1,898 $22,770 $569 1,684 20% $7.87 $409 1.7
Grand Forks MSA $16.00 $832 $33,280 1.6 $89,200 $2,230 $26,760 $669 3,334 27% $8.20 $427 2.0
La Crosse-Onalaska MSA $15.94 $829 $33,160 1.6 $76,800 $1,920 $23,040 $576 1,637 20% $10.00 $520 1.6
Le Sueur County HMFA $16.56 $861 $34,440 1.7 $84,700 $2,118 $25,410 $635 2,060 19% $12.26 $637 1.4
Mankato-North Mankato MSA $17.69 $920 $36,800 1.8 $86,200 $2,155 $25,860 $647 13,200 34% $12.31 $640 1.4
Mille Lacs County HMFA $17.33 $901 $36,040 1.7 $65,200 $1,630 $19,560 $489 2,532 25% $9.00 $468 1.9
Minneapolis-St. Paul-Bloomington HMFA $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 392,583 30% $18.13 $943 1.3
Rochester HMFA $19.54 $1,016 $40,640 2.0 $103,000 $2,575 $30,900 $773 17,673 26% $16.12 $838 1.2
Sibley County HMFA $15.10 $785 $31,400 1.5 $74,800 $1,870 $22,440 $561 1,267 21% $12.28 $638 1.2
St. Cloud MSA $15.46 $804 $32,160 1.5 $81,200 $2,030 $24,360 $609 23,647 31% $12.75 $663 1.2
Wabasha County HMFA $14.85 $772 $30,880 1.5 $77,600 $1,940 $23,280 $582 1,685 19% $10.18 $529 1.5

Counties
Aitkin County $14.77 $768 $30,720 1.5 $59,200 $1,480 $17,760 $444 1,367 18% $9.87 $513 1.5
Anoka County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 25,108 20% $14.71 $765 1.6
Becker County $14.54 $756 $30,240 1.5 $71,900 $1,798 $21,570 $539 2,853 21% $8.97 $466 1.6
Beltrami County $15.27 $794 $31,760 1.5 $60,900 $1,523 $18,270 $457 5,669 33% $10.95 $569 1.4
Benton County $15.46 $804 $32,160 1.5 $81,200 $2,030 $24,360 $609 5,374 33% $11.30 $588 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-135

 FY20 HOUSING AREA MEDIAN
Minnes ota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MINNESOTA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Big Stone County $13.73 $714 $28,560 1.4 $70,200 $1,755 $21,060 $527 613 27% $8.40 $437 1.6
Blue Earth County $17.69 $920 $36,800 1.8 $86,200 $2,155 $25,860 $647 9,825 38% $12.43 $647 1.4
Brown County $13.73 $714 $28,560 1.4 $76,400 $1,910 $22,920 $573 2,390 22% $11.17 $581 1.2
Carlton County $15.69 $816 $32,640 1.6 $76,800 $1,920 $23,040 $576 2,644 20% $10.81 $562 1.5
Carver County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 6,635 19% $13.22 $687 1.8
Cass County $14.81 $770 $30,800 1.5 $61,500 $1,538 $18,450 $461 2,375 18% $8.47 $440 1.7
Chippewa County $13.73 $714 $28,560 1.4 $73,300 $1,833 $21,990 $550 1,666 33% $12.68 $659 1.1
Chisago County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 2,835 14% $9.96 $518 2.3
Clay County $16.04 $834 $33,360 1.6 $89,400 $2,235 $26,820 $671 7,500 32% $8.15 $424 2.0
Clearwater County $13.73 $714 $28,560 1.4 $61,600 $1,540 $18,480 $462 704 20% $10.99 $572 1.2
Cook County $13.73 $714 $28,560 1.4 $65,100 $1,628 $19,530 $488 679 25% $8.40 $437 1.6
Cottonwood County $13.73 $714 $28,560 1.4 $67,200 $1,680 $20,160 $504 1,058 22% $10.80 $561 1.3
Crow Wing County $16.08 $836 $33,440 1.6 $69,600 $1,740 $20,880 $522 6,455 24% $10.43 $542 1.5
Dakota County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 41,113 26% $15.79 $821 1.5
Dodge County $19.54 $1,016 $40,640 2.0 $103,000 $2,575 $30,900 $773 1,356 18% $13.78 $717 1.4
Douglas County $15.56 $809 $32,360 1.6 $79,400 $1,985 $23,820 $596 4,227 26% $11.73 $610 1.3
Faribault County $13.73 $714 $28,560 1.4 $67,200 $1,680 $20,160 $504 1,427 23% $10.54 $548 1.3
Fillmore County $13.73 $714 $28,560 1.4 $75,900 $1,898 $22,770 $569 1,684 20% $7.87 $409 1.7
Freeborn County $14.17 $737 $29,480 1.4 $66,000 $1,650 $19,800 $495 3,196 25% $12.91 $671 1.1
Goodhue County $15.06 $783 $31,320 1.5 $86,800 $2,170 $26,040 $651 4,827 25% $11.83 $615 1.3
Grant County $13.73 $714 $28,560 1.4 $65,900 $1,648 $19,770 $494 531 20% $10.44 $543 1.3
Hennepin County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 189,237 38% $20.70 $1,076 1.1
Houston County $15.94 $829 $33,160 1.6 $76,800 $1,920 $23,040 $576 1,637 20% $10.00 $520 1.6
Hubbard County $13.87 $721 $28,840 1.4 $68,800 $1,720 $20,640 $516 1,572 18% $9.15 $476 1.5
Isanti County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 2,654 18% $10.92 $568 2.1
Itasca County $15.33 $797 $31,880 1.5 $65,000 $1,625 $19,500 $488 3,884 20% $8.95 $465 1.7

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-136

 FY20 HOUSING AREA MEDIAN
Minnes ota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MINNESOTA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Jackson County $13.73 $714 $28,560 1.4 $74,900 $1,873 $22,470 $562 961 22% $12.17 $633 1.1
Kanabec County $16.00 $832 $33,280 1.6 $64,400 $1,610 $19,320 $483 1,091 17% $10.71 $557 1.5
Kandiyohi County $14.81 $770 $30,800 1.5 $73,400 $1,835 $22,020 $551 4,349 26% $11.13 $579 1.3
Kittson County $13.73 $714 $28,560 1.4 $73,100 $1,828 $21,930 $548 375 20% $10.48 $545 1.3
Koochiching County $13.73 $714 $28,560 1.4 $65,300 $1,633 $19,590 $490 1,269 23% $9.28 $482 1.5
Lac qui Parle County $13.73 $714 $28,560 1.4 $66,100 $1,653 $19,830 $496 606 20% $9.10 $473 1.5
Lake County $14.77 $768 $30,720 1.5 $73,900 $1,848 $22,170 $554 990 19% $13.04 $678 1.1
Lake of the Woods County $14.96 $778 $31,120 1.5 $70,900 $1,773 $21,270 $532 296 19% $10.82 $563 1.4
Le Sueur County $16.56 $861 $34,440 1.7 $84,700 $2,118 $25,410 $635 2,060 19% $12.26 $637 1.4
Lincoln County $13.73 $714 $28,560 1.4 $71,700 $1,793 $21,510 $538 532 22% $10.32 $537 1.3
Lyon County $13.73 $714 $28,560 1.4 $78,500 $1,963 $23,550 $589 3,199 32% $9.78 $509 1.4
McLeod County $14.92 $776 $31,040 1.5 $76,400 $1,910 $22,920 $573 3,493 23% $12.66 $659 1.2
Mahnomen County $13.77 $716 $28,640 1.4 $55,200 $1,380 $16,560 $414 585 30% $11.03 $573 1.2
Marshall County $13.73 $714 $28,560 1.4 $76,000 $1,900 $22,800 $570 723 18% $11.81 $614 1.2
Martin County $13.73 $714 $28,560 1.4 $70,900 $1,773 $21,270 $532 2,317 27% $13.28 $690 1.0
Meeker County $15.08 $784 $31,360 1.5 $76,700 $1,918 $23,010 $575 1,916 21% $10.38 $540 1.5
Mille Lacs County $17.33 $901 $36,040 1.7 $65,200 $1,630 $19,560 $489 2,532 25% $9.00 $468 1.9
Morrison County $13.73 $714 $28,560 1.4 $70,400 $1,760 $21,120 $528 2,963 22% $8.81 $458 1.6
Mower County $15.15 $788 $31,520 1.5 $73,700 $1,843 $22,110 $553 4,099 26% $13.00 $676 1.2
Murray County $13.73 $714 $28,560 1.4 $77,500 $1,938 $23,250 $581 682 18% $12.86 $669 1.1
Nicollet County $17.69 $920 $36,800 1.8 $86,200 $2,155 $25,860 $647 3,375 26% $11.95 $622 1.5
Nobles County $14.58 $758 $30,320 1.5 $68,000 $1,700 $20,400 $510 2,268 29% $12.75 $663 1.1
Norman County $13.73 $714 $28,560 1.4 $67,900 $1,698 $20,370 $509 532 19% $10.29 $535 1.3
Olmsted County $19.54 $1,016 $40,640 2.0 $103,000 $2,575 $30,900 $773 16,317 27% $16.24 $845 1.2
Otter Tail County $13.90 $723 $28,920 1.4 $72,400 $1,810 $21,720 $543 5,126 21% $10.18 $530 1.4
Pennington County $14.62 $760 $30,400 1.5 $73,300 $1,833 $21,990 $550 1,544 26% $12.31 $640 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-137

 FY20 HOUSING AREA MEDIAN
Minnes ota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MINNESOTA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pine County $15.10 $785 $31,400 1.5 $62,300 $1,558 $18,690 $467 2,167 20% $7.68 $400 2.0
Pipestone County $13.73 $714 $28,560 1.4 $65,800 $1,645 $19,740 $494 1,041 26% $10.79 $561 1.3
Polk County $16.00 $832 $33,280 1.6 $89,200 $2,230 $26,760 $669 3,334 27% $8.20 $427 2.0
Pope County $14.42 $750 $30,000 1.4 $77,400 $1,935 $23,220 $581 1,094 22% $12.42 $646 1.2
Ramsey County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 85,101 41% $18.40 $957 1.3
Red Lake County $13.73 $714 $28,560 1.4 $77,500 $1,938 $23,250 $581 273 16% $7.98 $415 1.7
Redwood County $13.73 $714 $28,560 1.4 $69,800 $1,745 $20,940 $524 1,375 22% $11.54 $600 1.2
Renville County $13.73 $714 $28,560 1.4 $73,300 $1,833 $21,990 $550 1,301 21% $11.62 $604 1.2
Rice County $17.75 $923 $36,920 1.8 $82,400 $2,060 $24,720 $618 5,873 25% $10.88 $566 1.6
Rock County $14.08 $732 $29,280 1.4 $70,300 $1,758 $21,090 $527 1,014 25% $11.07 $576 1.3
Roseau County $14.23 $740 $29,600 1.4 $72,300 $1,808 $21,690 $542 1,212 20% $12.32 $641 1.2
St. Louis County $15.69 $816 $32,640 1.6 $76,800 $1,920 $23,040 $576 24,913 29% $11.89 $618 1.3
Scott County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 8,580 18% $10.91 $567 2.1
Sherburne County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 5,507 17% $10.96 $570 2.1
Sibley County $15.10 $785 $31,400 1.5 $74,800 $1,870 $22,440 $561 1,267 21% $12.28 $638 1.2
Stearns County $15.46 $804 $32,160 1.5 $81,200 $2,030 $24,360 $609 18,273 31% $13.05 $678 1.2
Steele County $16.02 $833 $33,320 1.6 $80,900 $2,023 $24,270 $607 3,546 24% $12.01 $625 1.3
Stevens County $13.73 $714 $28,560 1.4 $85,000 $2,125 $25,500 $638 1,174 32% $9.19 $478 1.5
Swift County $13.73 $714 $28,560 1.4 $66,600 $1,665 $19,980 $500 1,280 30% $11.01 $573 1.2
Todd County $13.73 $714 $28,560 1.4 $63,200 $1,580 $18,960 $474 1,783 18% $10.16 $529 1.4
Traverse County $13.73 $714 $28,560 1.4 $66,800 $1,670 $20,040 $501 320 20% $10.48 $545 1.3
Wabasha County $14.85 $772 $30,880 1.5 $77,600 $1,940 $23,280 $582 1,685 19% $10.18 $529 1.5
Wadena County $13.73 $714 $28,560 1.4 $59,000 $1,475 $17,700 $443 1,272 22% $14.06 $731 1.0
Waseca County $13.73 $714 $28,560 1.4 $75,200 $1,880 $22,560 $564 1,581 21% $9.29 $483 1.5
Washington County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 17,151 18% $13.04 $678 1.8
Watonwan County $13.73 $714 $28,560 1.4 $66,800 $1,670 $20,040 $501 1,044 24% $11.28 $587 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-138

 FY20 HOUSING AREA MEDIAN
Minnes ota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MINNESOTA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Wilkin County $13.73 $714 $28,560 1.4 $71,000 $1,775 $21,300 $533 589 21% $10.50 $546 1.3
Winona County $14.90 $775 $31,000 1.5 $77,500 $1,938 $23,250 $581 5,886 30% $10.22 $531 1.5
Wright County $23.35 $1,214 $48,560 2.3 $103,400 $2,585 $31,020 $776 8,662 18% $11.42 $594 2.0
Yellow Medicine County $13.73 $714 $28,560 1.4 $70,400 $1,760 $21,120 $528 918 22% $9.55 $497 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MN-139

 MISSISSIPPI #50* STATE
RANKING

In Mississippi, the Fair Market Rent (FMR) for a two-bedroom apartment is

$774. In order to afford this level of rent and utilities — without paying more $14.89
than 30% of income on housing — a household must earn $2,581 monthly or PER HOUR
$30,977 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MISSISSIPPI:

STATE FACTS 82
Work Hours Per Week At
68
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $12.10
2-Bedroom Housing Wage $14.89
2.1 1.7
Number of Renter Households 351,558 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 32%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $774
$641
$17.65
One bedroom FMR
Lafayette County
Rent affordable at area $1442
$17.52
median income (AMI)
Jackson HMFA Rent affordable with full-time job
paying mean renter wage
$629
DeSoto County $17.00 Rent affordable at 30% of AMI $433

$16.27 $377
Rent affordable with full-time job
Gulfport-Biloxi HMFA paying minimum wage

$235
$15.87
Rent affordable to SSI recipient
Hattiesburg MSA
$0 $300 $600 $900 $1200 $1500
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MS-140
 FY20 HOUSING AREA MEDIAN
Mis s is s ipp i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSISSIPPI Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Mississippi $14.89 $774 $30,977 2.1 $57,678 $1,442 $17,303 $433 351,558 32% $12.10 $629 1.2
Combined Nonmetro Areas $13.40 $697 $27,872 1.8 $51,018 $1,275 $15,305 $383 183,075 31% $11.09 $577 1.2

Metropolitan Areas
Benton County HMFA $12.63 $657 $26,280 1.7 $48,600 $1,215 $14,580 $365 505 17% $15.47 $805 0.8
Gulfport-Biloxi HMFA $16.27 $846 $33,840 2.2 $60,900 $1,523 $18,270 $457 39,651 40% $12.54 $652 1.3
Hattiesburg MSA $15.87 $825 $33,000 2.2 $62,600 $1,565 $18,780 $470 20,302 37% $11.09 $577 1.4
Jackson HMFA $17.52 $911 $36,440 2.4 $70,900 $1,773 $21,270 $532 63,134 33% $13.67 $711 1.3
Marshall County HMFA $12.81 $666 $26,640 1.8 $53,800 $1,345 $16,140 $404 3,141 24% $14.81 $770 0.9
Memphis HMFA $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 16,335 26% $11.53 $599 1.5
Pascagoula HMFA $15.83 $823 $32,920 2.2 $69,100 $1,728 $20,730 $518 15,461 30% $16.62 $864 1.0
Simpson County HMFA $14.38 $748 $29,920 2.0 $44,900 $1,123 $13,470 $337 1,825 19% $7.90 $411 1.8
Tate County HMFA $13.38 $696 $27,840 1.8 $62,100 $1,553 $18,630 $466 2,555 25% $9.57 $498 1.4
Tunica County HMFA $15.15 $788 $31,520 2.1 $39,300 $983 $11,790 $295 2,345 59% $13.64 $709 1.1
Yazoo County HMFA $13.67 $711 $28,440 1.9 $39,900 $998 $11,970 $299 3,229 37% $11.61 $604 1.2

Counties
Adams County $13.06 $679 $27,160 1.8 $37,200 $930 $11,160 $279 4,339 38% $9.48 $493 1.4
Alcorn County $12.63 $657 $26,280 1.7 $49,200 $1,230 $14,760 $369 4,196 29% $13.00 $676 1.0
Amite County $12.63 $657 $26,280 1.7 $46,100 $1,153 $13,830 $346 748 15% $11.34 $590 1.1
Attala County $12.63 $657 $26,280 1.7 $47,400 $1,185 $14,220 $356 2,083 29% $8.99 $467 1.4
Benton County $12.63 $657 $26,280 1.7 $48,600 $1,215 $14,580 $365 505 17% $15.47 $805 0.8
Bolivar County $12.65 $658 $26,320 1.7 $38,500 $963 $11,550 $289 5,572 46% $10.90 $567 1.2
Calhoun County $12.63 $657 $26,280 1.7 $45,900 $1,148 $13,770 $344 1,630 28% $9.37 $487 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MS-141

 FY20 HOUSING AREA MEDIAN
Mis s is s ipp i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSISSIPPI Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Carroll County $12.81 $666 $26,640 1.8 $60,900 $1,523 $18,270 $457 703 19% $7.40 $385 1.7
Chickasaw County $12.63 $657 $26,280 1.7 $47,000 $1,175 $14,100 $353 1,853 29% $10.41 $542 1.2
Choctaw County $13.19 $686 $27,440 1.8 $52,600 $1,315 $15,780 $395 747 24% $9.99 $520 1.3
Claiborne County $12.63 $657 $26,280 1.7 $29,600 $740 $8,880 $222 950 32% $13.73 $714 0.9
Clarke County $12.63 $657 $26,280 1.7 $54,100 $1,353 $16,230 $406 1,162 19% $10.05 $523 1.3
Clay County $12.63 $657 $26,280 1.7 $44,800 $1,120 $13,440 $336 2,235 29% $10.81 $562 1.2
Coahoma County $12.63 $657 $26,280 1.7 $35,300 $883 $10,590 $265 4,200 48% $10.25 $533 1.2
Copiah County $17.52 $911 $36,440 2.4 $70,900 $1,773 $21,270 $532 2,054 21% $10.95 $569 1.6
Covington County $13.10 $681 $27,240 1.8 $46,600 $1,165 $13,980 $350 1,328 20% $12.84 $668 1.0
DeSoto County $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 16,335 26% $11.53 $599 1.5
Forrest County $15.87 $825 $33,000 2.2 $62,600 $1,565 $18,780 $470 12,706 45% $11.81 $614 1.3
Franklin County $12.63 $657 $26,280 1.7 $57,000 $1,425 $17,100 $428 642 21% $11.84 $616 1.1
George County $14.37 $747 $29,880 2.0 $60,700 $1,518 $18,210 $455 1,213 16% $9.10 $473 1.6
Greene County $12.63 $657 $26,280 1.7 $64,100 $1,603 $19,230 $481 634 15% $9.39 $488 1.3
Grenada County $12.63 $657 $26,280 1.7 $45,700 $1,143 $13,710 $343 2,746 33% $12.35 $642 1.0
Hancock County $16.27 $846 $33,840 2.2 $60,900 $1,523 $18,270 $457 4,964 25% $12.93 $673 1.3
Harrison County $16.27 $846 $33,840 2.2 $60,900 $1,523 $18,270 $457 34,687 44% $12.49 $649 1.3
Hinds County $17.52 $911 $36,440 2.4 $70,900 $1,773 $21,270 $532 36,876 42% $14.22 $740 1.2
Holmes County $12.63 $657 $26,280 1.7 $26,200 $655 $7,860 $197 2,467 39% $10.21 $531 1.2
Humphreys County $12.63 $657 $26,280 1.7 $33,300 $833 $9,990 $250 1,252 39% $9.29 $483 1.4
Issaquena County $12.63 $657 $26,280 1.7 $32,200 $805 $9,660 $242 262 54% $10.62 $552 1.2
Itawamba County $12.63 $657 $26,280 1.7 $52,800 $1,320 $15,840 $396 1,932 22% $12.09 $629 1.0
Jackson County $15.83 $823 $32,920 2.2 $69,100 $1,728 $20,730 $518 15,461 30% $16.62 $864 1.0
Jasper County $12.81 $666 $26,640 1.8 $46,500 $1,163 $13,950 $349 1,021 15% $10.90 $567 1.2
Jefferson County $12.63 $657 $26,280 1.7 $32,200 $805 $9,660 $242 841 33% $11.25 $585 1.1
Jefferson Davis County $12.63 $657 $26,280 1.7 $34,100 $853 $10,230 $256 1,147 24% $10.84 $564 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MS-142

 FY20 HOUSING AREA MEDIAN
Mis s is s ipp i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSISSIPPI Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Jones County $13.92 $724 $28,960 1.9 $48,400 $1,210 $14,520 $363 6,667 27% $11.30 $588 1.2
Kemper County $12.63 $657 $26,280 1.7 $39,900 $998 $11,970 $299 894 24% $13.64 $709 0.9
Lafayette County $17.65 $918 $36,720 2.4 $72,400 $1,810 $21,720 $543 7,495 39% $9.05 $471 1.9
Lamar County $15.87 $825 $33,000 2.2 $62,600 $1,565 $18,780 $470 6,837 31% $9.70 $504 1.6
Lauderdale County $14.69 $764 $30,560 2.0 $63,200 $1,580 $18,960 $474 10,249 35% $11.05 $575 1.3
Lawrence County $14.40 $749 $29,960 2.0 $56,400 $1,410 $16,920 $423 1,091 23% $18.27 $950 0.8
Leake County $12.63 $657 $26,280 1.7 $49,400 $1,235 $14,820 $371 2,262 28% $9.90 $515 1.3
Lee County $14.23 $740 $29,600 2.0 $71,800 $1,795 $21,540 $539 10,875 34% $11.43 $594 1.2
Leflore County $12.63 $657 $26,280 1.7 $32,200 $805 $9,660 $242 5,106 50% $8.19 $426 1.5
Lincoln County $12.63 $657 $26,280 1.7 $50,400 $1,260 $15,120 $378 3,155 25% $11.26 $585 1.1
Lowndes County $13.31 $692 $27,680 1.8 $58,300 $1,458 $17,490 $437 8,764 39% $12.72 $661 1.0
Madison County $17.52 $911 $36,440 2.4 $70,900 $1,773 $21,270 $532 10,992 28% $12.67 $659 1.4
Marion County $12.63 $657 $26,280 1.7 $41,900 $1,048 $12,570 $314 1,851 19% $10.41 $541 1.2
Marshall County $12.81 $666 $26,640 1.8 $53,800 $1,345 $16,140 $404 3,141 24% $14.81 $770 0.9
Monroe County $12.63 $657 $26,280 1.7 $54,600 $1,365 $16,380 $410 3,617 26% $11.99 $623 1.1
Montgomery County $12.63 $657 $26,280 1.7 $44,700 $1,118 $13,410 $335 1,319 29% $8.07 $420 1.6
Neshoba County $12.65 $658 $26,320 1.7 $50,900 $1,273 $15,270 $382 2,924 27% $12.97 $674 1.0
Newton County $12.94 $673 $26,920 1.8 $49,500 $1,238 $14,850 $371 1,777 22% $9.64 $501 1.3
Noxubee County $12.63 $657 $26,280 1.7 $46,600 $1,165 $13,980 $350 1,096 27% $6.99 $363 1.8
Oktibbeha County $15.27 $794 $31,760 2.1 $61,800 $1,545 $18,540 $464 8,691 49% $7.60 $395 2.0
Panola County $12.77 $664 $26,560 1.8 $44,500 $1,113 $13,350 $334 3,383 27% $13.16 $684 1.0
Pearl River County $14.77 $768 $30,720 2.0 $60,300 $1,508 $18,090 $452 4,667 22% $10.40 $541 1.4
Perry County $15.87 $825 $33,000 2.2 $62,600 $1,565 $18,780 $470 759 17% $12.35 $642 1.3
Pike County $13.23 $688 $27,520 1.8 $43,300 $1,083 $12,990 $325 4,809 33% $8.57 $445 1.5
Pontotoc County $12.88 $670 $26,800 1.8 $53,900 $1,348 $16,170 $404 3,053 28% $12.93 $673 1.0
Prentiss County $12.63 $657 $26,280 1.7 $47,000 $1,175 $14,100 $353 2,568 27% $6.98 $363 1.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MS-143

 FY20 HOUSING AREA MEDIAN
Mis s is s ipp i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSISSIPPI Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Quitman County $12.63 $657 $26,280 1.7 $37,100 $928 $11,130 $278 1,283 42% $9.86 $513 1.3
Rankin County $17.52 $911 $36,440 2.4 $70,900 $1,773 $21,270 $532 13,212 24% $14.00 $728 1.3
Scott County $12.63 $657 $26,280 1.7 $43,300 $1,083 $12,990 $325 2,758 26% $11.79 $613 1.1
Sharkey County $12.63 $657 $26,280 1.7 $43,300 $1,083 $12,990 $325 591 34% $10.73 $558 1.2
Simpson County $14.38 $748 $29,920 2.0 $44,900 $1,123 $13,470 $337 1,825 19% $7.90 $411 1.8
Smith County $12.63 $657 $26,280 1.7 $54,500 $1,363 $16,350 $409 1,000 17% $12.35 $642 1.0
Stone County $12.63 $657 $26,280 1.7 $59,000 $1,475 $17,700 $443 1,453 24% $11.60 $603 1.1
Sunflower County $12.63 $657 $26,280 1.7 $37,600 $940 $11,280 $282 3,784 45% $10.62 $552 1.2
Tallahatchie County $12.63 $657 $26,280 1.7 $42,200 $1,055 $12,660 $317 1,108 26% $10.10 $525 1.3
Tate County $13.38 $696 $27,840 1.8 $62,100 $1,553 $18,630 $466 2,555 25% $9.57 $498 1.4
Tippah County $12.63 $657 $26,280 1.7 $51,300 $1,283 $15,390 $385 2,160 27% $11.77 $612 1.1
Tishomingo County $12.63 $657 $26,280 1.7 $47,400 $1,185 $14,220 $356 1,872 25% $11.36 $591 1.1
Tunica County $15.15 $788 $31,520 2.1 $39,300 $983 $11,790 $295 2,345 59% $13.64 $709 1.1
Union County $12.63 $657 $26,280 1.7 $51,200 $1,280 $15,360 $384 2,757 28% $17.28 $899 0.7
Walthall County $12.63 $657 $26,280 1.7 $43,000 $1,075 $12,900 $323 614 11% $12.77 $664 1.0
Warren County $13.35 $694 $27,760 1.8 $54,900 $1,373 $16,470 $412 6,678 36% $10.66 $554 1.3
Washington County $12.63 $657 $26,280 1.7 $40,700 $1,018 $12,210 $305 8,411 46% $10.73 $558 1.2
Wayne County $12.63 $657 $26,280 1.7 $53,800 $1,345 $16,140 $404 1,423 18% $10.20 $530 1.2
Webster County $12.63 $657 $26,280 1.7 $52,600 $1,315 $15,780 $395 989 26% $7.91 $411 1.6
Wilkinson County $12.63 $657 $26,280 1.7 $33,600 $840 $10,080 $252 551 19% $9.84 $512 1.3
Winston County $12.63 $657 $26,280 1.7 $46,100 $1,153 $13,830 $346 2,048 28% $15.38 $800 0.8
Yalobusha County $12.63 $657 $26,280 1.7 $48,200 $1,205 $14,460 $362 1,379 27% $12.16 $632 1.0
Yazoo County $13.67 $711 $28,440 1.9 $39,900 $998 $11,970 $299 3,229 37% $11.61 $604 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MS-144

 MISSOURI #42* STATE
RANKING

In Missouri, the Fair Market Rent (FMR) for a two-bedroom apartment is

$836. In order to afford this level of rent and utilities — without paying more $16.07
than 30% of income on housing — a household must earn $2,785 monthly or PER HOUR
$33,424 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MISSOURI:

STATE FACTS 68
Work Hours Per Week At
54
Work Hours Per Week At
Minimum Wage $9.45 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.28
2-Bedroom Housing Wage $16.07
1.7 1.3
Number of Renter Households 794,426 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 33%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $836
$662
$18.81
One bedroom FMR
Kansas City HMFA
Rent affordable at area
$1837
$17.40
median income (AMI)
St. Louis HMFA Rent affordable with full-time job
paying mean renter wage
$794
Columbia MSA $17.19 Rent affordable at 30% of AMI $551

$15.33 $491
Rent affordable with full-time job
St. Joseph MSA paying minimum wage

$235
$14.87
Rent affordable to SSI recipient
Cape Girardeau MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-145
 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Missouri $16.07 $836 $33,424 1.7 $73,483 $1,837 $22,045 $551 794,426 33% $15.28 $794 1.1
Combined Nonmetro Areas $12.68 $659 $26,379 1.3 $55,112 $1,378 $16,534 $413 181,515 30% $10.57 $549 1.2

Metropolitan Areas
Bates County HMFA $13.42 $698 $27,920 1.4 $63,700 $1,593 $19,110 $478 1,830 27% $10.27 $534 1.3
Callaway County HMFA $13.88 $722 $28,880 1.5 $69,500 $1,738 $20,850 $521 4,353 27% $12.82 $666 1.1
Cape Girardeau MSA $14.87 $773 $30,920 1.6 $67,000 $1,675 $20,100 $503 11,020 32% $12.11 $630 1.2
Columbia MSA $17.19 $894 $35,760 1.8 $77,900 $1,948 $23,370 $584 31,271 45% $11.37 $591 1.5
Dallas County HMFA $12.19 $634 $25,360 1.3 $49,500 $1,238 $14,850 $371 1,597 26% $6.42 $334 1.9
Jefferson City HMFA $12.88 $670 $26,800 1.4 $75,500 $1,888 $22,650 $566 10,509 30% $11.60 $603 1.1
Joplin MSA $13.90 $723 $28,920 1.5 $63,300 $1,583 $18,990 $475 22,432 33% $13.60 $707 1.0
Kansas City HMFA $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 176,391 36% $16.80 $873 1.1
McDonald County HMFA $12.19 $634 $25,360 1.3 $48,200 $1,205 $14,460 $362 2,467 30% $11.27 $586 1.1
Moniteau County HMFA $12.19 $634 $25,360 1.3 $64,000 $1,600 $19,200 $480 1,251 23% $8.81 $458 1.4
Polk County HMFA $13.17 $685 $27,400 1.4 $55,200 $1,380 $16,560 $414 3,562 31% $10.52 $547 1.3
Springfield HMFA $14.35 $746 $29,840 1.5 $65,300 $1,633 $19,590 $490 63,436 38% $13.40 $697 1.1
St. Joseph MSA $15.33 $797 $31,880 1.6 $63,600 $1,590 $19,080 $477 14,896 34% $13.54 $704 1.1
St. Louis HMFA $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 267,896 32% $17.61 $916 1.0

Counties
Adair County $12.19 $634 $25,360 1.3 $65,000 $1,625 $19,500 $488 3,801 40% $6.33 $329 1.9
Andrew County $15.33 $797 $31,880 1.6 $63,600 $1,590 $19,080 $477 1,484 22% $10.29 $535 1.5
Atchison County $12.19 $634 $25,360 1.3 $63,900 $1,598 $19,170 $479 743 30% $11.09 $577 1.1
Audrain County $12.73 $662 $26,480 1.3 $58,600 $1,465 $17,580 $440 3,143 34% $12.61 $656 1.0
Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-146

 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Barry County $12.19 $634 $25,360 1.3 $54,400 $1,360 $16,320 $408 3,485 26% $12.73 $662 1.0
Barton County $12.19 $634 $25,360 1.3 $54,200 $1,355 $16,260 $407 1,468 30% $10.21 $531 1.2
Bates County $13.42 $698 $27,920 1.4 $63,700 $1,593 $19,110 $478 1,830 27% $10.27 $534 1.3
Benton County $12.19 $634 $25,360 1.3 $45,300 $1,133 $13,590 $340 1,341 17% $8.32 $433 1.5
Bollinger County $14.87 $773 $30,920 1.6 $67,000 $1,675 $20,100 $503 893 19% $9.53 $496 1.6
Boone County $17.19 $894 $35,760 1.8 $77,900 $1,948 $23,370 $584 31,271 45% $11.37 $591 1.5
Buchanan County $15.33 $797 $31,880 1.6 $63,600 $1,590 $19,080 $477 12,213 37% $13.90 $723 1.1
Butler County $12.77 $664 $26,560 1.4 $49,400 $1,235 $14,820 $371 5,932 36% $9.50 $494 1.3
Caldwell County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 935 25% $9.30 $484 2.0
Callaway County $13.88 $722 $28,880 1.5 $69,500 $1,738 $20,850 $521 4,353 27% $12.82 $666 1.1
Camden County $13.21 $687 $27,480 1.4 $63,000 $1,575 $18,900 $473 3,187 20% $9.76 $508 1.4
Cape Girardeau County $14.87 $773 $30,920 1.6 $67,000 $1,675 $20,100 $503 10,127 34% $12.21 $635 1.2
Carroll County $12.19 $634 $25,360 1.3 $60,700 $1,518 $18,210 $455 983 28% $9.22 $479 1.3
Carter County $12.21 $635 $25,400 1.3 $52,800 $1,320 $15,840 $396 565 24% $7.56 $393 1.6
Cass County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 9,392 24% $10.63 $553 1.8
Cedar County $12.19 $634 $25,360 1.3 $47,100 $1,178 $14,130 $353 1,598 28% $7.13 $371 1.7
Chariton County $12.19 $634 $25,360 1.3 $56,000 $1,400 $16,800 $420 527 19% $8.02 $417 1.5
Christian County $14.35 $746 $29,840 1.5 $65,300 $1,633 $19,590 $490 8,032 26% $9.29 $483 1.5
Clark County $12.19 $634 $25,360 1.3 $58,000 $1,450 $17,400 $435 783 27% $8.11 $422 1.5
Clay County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 27,896 31% $14.91 $775 1.3
Clinton County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 2,001 25% $11.64 $605 1.6
Cole County $12.88 $670 $26,800 1.4 $75,500 $1,888 $22,650 $566 9,655 32% $11.79 $613 1.1
Cooper County $12.19 $634 $25,360 1.3 $67,100 $1,678 $20,130 $503 1,924 30% $10.88 $566 1.1
Crawford County $12.19 $634 $25,360 1.3 $52,300 $1,308 $15,690 $392 2,907 31% $12.13 $631 1.0
Dade County $12.46 $648 $25,920 1.3 $48,700 $1,218 $14,610 $365 690 22% $9.98 $519 1.2
Dallas County $12.19 $634 $25,360 1.3 $49,500 $1,238 $14,850 $371 1,597 26% $6.42 $334 1.9

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-147

 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Daviess County $12.19 $634 $25,360 1.3 $63,200 $1,580 $18,960 $474 643 21% $7.79 $405 1.6
DeKalb County $15.33 $797 $31,880 1.6 $63,600 $1,590 $19,080 $477 1,199 31% $8.79 $457 1.7
Dent County $12.19 $634 $25,360 1.3 $51,500 $1,288 $15,450 $386 1,866 30% $7.14 $371 1.7
Douglas County $12.19 $634 $25,360 1.3 $41,700 $1,043 $12,510 $313 1,038 20% $8.69 $452 1.4
Dunklin County $12.19 $634 $25,360 1.3 $42,800 $1,070 $12,840 $321 4,611 37% $8.03 $418 1.5
Franklin County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 10,864 27% $12.60 $655 1.4
Gasconade County $12.19 $634 $25,360 1.3 $63,500 $1,588 $19,050 $476 1,274 21% $8.42 $438 1.4
Gentry County $12.19 $634 $25,360 1.3 $58,500 $1,463 $17,550 $439 677 26% $11.05 $575 1.1
Greene County $14.35 $746 $29,840 1.5 $65,300 $1,633 $19,590 $490 51,935 43% $13.92 $724 1.0
Grundy County $12.19 $634 $25,360 1.3 $62,500 $1,563 $18,750 $469 1,306 33% $12.31 $640 1.0
Harrison County $12.19 $634 $25,360 1.3 $55,800 $1,395 $16,740 $419 992 28% $8.31 $432 1.5
Henry County $13.44 $699 $27,960 1.4 $57,000 $1,425 $17,100 $428 2,485 27% $9.48 $493 1.4
Hickory County $12.19 $634 $25,360 1.3 $46,000 $1,150 $13,800 $345 747 19% $6.57 $342 1.9
Holt County $12.19 $634 $25,360 1.3 $59,700 $1,493 $17,910 $448 575 28% $12.46 $648 1.0
Howard County $13.33 $693 $27,720 1.4 $65,200 $1,630 $19,560 $489 798 22% $8.48 $441 1.6
Howell County $12.35 $642 $25,680 1.3 $46,600 $1,165 $13,980 $350 5,034 32% $12.20 $635 1.0
Iron County $12.19 $634 $25,360 1.3 $48,200 $1,205 $14,460 $362 1,257 30% $11.78 $613 1.0
Jackson County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 117,431 42% $18.26 $950 1.0
Jasper County $13.90 $723 $28,920 1.5 $63,300 $1,583 $18,990 $475 15,928 35% $13.58 $706 1.0
Jefferson County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 17,172 20% $11.16 $580 1.6
Johnson County $13.52 $703 $28,120 1.4 $66,800 $1,670 $20,040 $501 8,035 40% $10.17 $529 1.3
Knox County $12.19 $634 $25,360 1.3 $53,500 $1,338 $16,050 $401 307 20% $9.13 $475 1.3
Laclede County $12.19 $634 $25,360 1.3 $53,900 $1,348 $16,170 $404 4,358 31% $11.83 $615 1.0
Lafayette County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 3,561 27% $10.63 $553 1.8
Lawrence County $12.19 $634 $25,360 1.3 $52,800 $1,320 $15,840 $396 4,104 28% $12.64 $658 1.0
Lewis County $12.19 $634 $25,360 1.3 $61,700 $1,543 $18,510 $463 1,009 27% $10.34 $538 1.2

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-148

 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lincoln County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 4,070 22% $9.73 $506 1.8
Linn County $12.19 $634 $25,360 1.3 $53,100 $1,328 $15,930 $398 1,406 28% $9.85 $512 1.2
Livingston County $12.65 $658 $26,320 1.3 $62,800 $1,570 $18,840 $471 1,874 32% $10.23 $532 1.2
McDonald County $12.19 $634 $25,360 1.3 $48,200 $1,205 $14,460 $362 2,467 30% $11.27 $586 1.1
Macon County $12.19 $634 $25,360 1.3 $54,700 $1,368 $16,410 $410 1,518 26% $9.95 $518 1.2
Madison County $12.19 $634 $25,360 1.3 $53,900 $1,348 $16,170 $404 1,367 27% $8.34 $434 1.5
Maries County $12.19 $634 $25,360 1.3 $59,000 $1,475 $17,700 $443 981 27% $9.44 $491 1.3
Marion County $12.40 $645 $25,800 1.3 $59,600 $1,490 $17,880 $447 4,101 36% $12.00 $624 1.0
Mercer County $12.19 $634 $25,360 1.3 $54,900 $1,373 $16,470 $412 310 23% $12.40 $645 1.0
Miller County $13.17 $685 $27,400 1.4 $54,600 $1,365 $16,380 $410 2,560 26% $9.26 $482 1.4
Mississippi County $12.52 $651 $26,040 1.3 $37,900 $948 $11,370 $284 2,042 41% $10.78 $560 1.2
Moniteau County $12.19 $634 $25,360 1.3 $64,000 $1,600 $19,200 $480 1,251 23% $8.81 $458 1.4
Monroe County $12.19 $634 $25,360 1.3 $57,900 $1,448 $17,370 $434 931 26% $9.76 $508 1.2
Montgomery County $12.19 $634 $25,360 1.3 $55,400 $1,385 $16,620 $416 1,429 29% $11.34 $589 1.1
Morgan County $12.19 $634 $25,360 1.3 $48,700 $1,218 $14,610 $365 1,734 22% $10.05 $523 1.2
New Madrid County $12.19 $634 $25,360 1.3 $44,500 $1,113 $13,350 $334 2,796 38% $11.95 $621 1.0
Newton County $13.90 $723 $28,920 1.5 $63,300 $1,583 $18,990 $475 6,504 29% $13.66 $710 1.0
Nodaway County $12.81 $666 $26,640 1.4 $63,100 $1,578 $18,930 $473 3,507 42% $10.80 $561 1.2
Oregon County $12.19 $634 $25,360 1.3 $44,200 $1,105 $13,260 $332 1,038 24% $6.57 $342 1.9
Osage County $12.88 $670 $26,800 1.4 $75,500 $1,888 $22,650 $566 854 17% $9.61 $500 1.3
Ozark County $12.33 $641 $25,640 1.3 $43,900 $1,098 $13,170 $329 953 23% $6.53 $340 1.9
Pemiscot County $12.19 $634 $25,360 1.3 $46,700 $1,168 $14,010 $350 3,165 46% $8.80 $458 1.4
Perry County $12.44 $647 $25,880 1.3 $72,000 $1,800 $21,600 $540 1,935 25% $10.25 $533 1.2
Pettis County $13.38 $696 $27,840 1.4 $55,100 $1,378 $16,530 $413 5,262 33% $11.64 $605 1.2
Phelps County $13.81 $718 $28,720 1.5 $61,900 $1,548 $18,570 $464 6,975 40% $10.90 $567 1.3
Pike County $12.87 $669 $26,760 1.4 $60,200 $1,505 $18,060 $452 1,946 29% $11.96 $622 1.1

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-149

 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Platte County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 13,192 34% $15.10 $785 1.2
Polk County $13.17 $685 $27,400 1.4 $55,200 $1,380 $16,560 $414 3,562 31% $10.52 $547 1.3
Pulaski County $14.31 $744 $29,760 1.5 $65,400 $1,635 $19,620 $491 7,711 51% $12.19 $634 1.2
Putnam County $12.19 $634 $25,360 1.3 $47,700 $1,193 $14,310 $358 470 26% $8.34 $434 1.5
Ralls County $13.83 $719 $28,760 1.5 $64,000 $1,600 $19,200 $480 660 16% $14.71 $765 0.9
Randolph County $12.19 $634 $25,360 1.3 $63,000 $1,575 $18,900 $473 2,199 26% $9.21 $479 1.3
Ray County $18.81 $978 $39,120 2.0 $86,000 $2,150 $25,800 $645 1,983 23% $8.88 $462 2.1
Reynolds County $12.19 $634 $25,360 1.3 $53,900 $1,348 $16,170 $404 547 21% $11.37 $591 1.1
Ripley County $12.19 $634 $25,360 1.3 $44,200 $1,105 $13,260 $332 1,085 21% $7.06 $367 1.7
St. Charles County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 28,365 20% $13.35 $694 1.3
St. Clair County $12.19 $634 $25,360 1.3 $48,100 $1,203 $14,430 $361 919 22% $9.18 $478 1.3
Ste. Genevieve County $12.67 $659 $26,360 1.3 $62,700 $1,568 $18,810 $470 1,602 22% $11.97 $623 1.1
St. Francois County $12.19 $634 $25,360 1.3 $60,200 $1,505 $18,060 $452 7,905 32% $10.25 $533 1.2
St. Louis County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 125,177 31% $18.24 $949 1.0
Saline County $12.19 $634 $25,360 1.3 $55,600 $1,390 $16,680 $417 2,662 31% $11.51 $599 1.1
Schuyler County $12.19 $634 $25,360 1.3 $51,900 $1,298 $15,570 $389 453 29% $8.35 $434 1.5
Scotland County $12.19 $634 $25,360 1.3 $62,700 $1,568 $18,810 $470 530 29% $7.93 $412 1.5
Scott County $12.56 $653 $26,120 1.3 $53,400 $1,335 $16,020 $401 5,103 33% $9.76 $508 1.3
Shannon County $12.19 $634 $25,360 1.3 $46,500 $1,163 $13,950 $349 902 28% $7.95 $414 1.5
Shelby County $12.19 $634 $25,360 1.3 $59,600 $1,490 $17,880 $447 609 25% $11.33 $589 1.1
Stoddard County $12.19 $634 $25,360 1.3 $52,300 $1,308 $15,690 $392 3,655 31% $12.52 $651 1.0
Stone County $13.17 $685 $27,400 1.4 $55,800 $1,395 $16,740 $419 2,312 18% $9.68 $503 1.4
Sullivan County $13.04 $678 $27,120 1.4 $54,500 $1,363 $16,350 $409 613 28% $16.05 $834 0.8
Taney County $13.77 $716 $28,640 1.5 $51,800 $1,295 $15,540 $389 8,972 40% $11.47 $596 1.2
Texas County $12.19 $634 $25,360 1.3 $48,800 $1,220 $14,640 $366 2,539 27% $8.62 $448 1.4
Vernon County $12.77 $664 $26,560 1.4 $52,800 $1,320 $15,840 $396 2,479 30% $11.63 $605 1.1

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-150

 FY20 HOUSING AREA MEDIAN
Mis s our i WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MISSOURI Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Warren County $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 2,713 22% $10.91 $567 1.6
Washington County $12.19 $634 $25,360 1.3 $44,600 $1,115 $13,380 $335 1,738 19% $8.17 $425 1.5
Wayne County $12.19 $634 $25,360 1.3 $43,900 $1,098 $13,170 $329 1,395 26% $7.15 $372 1.7
Webster County $14.35 $746 $29,840 1.5 $65,300 $1,633 $19,590 $490 3,469 26% $10.38 $540 1.4
Worth County $12.19 $634 $25,360 1.3 $58,000 $1,450 $17,400 $435 199 23% $6.67 $347 1.8
Wright County $12.19 $634 $25,360 1.3 $42,600 $1,065 $12,780 $320 2,233 31% $10.07 $523 1.2
St. Louis city $17.40 $905 $36,200 1.8 $82,900 $2,073 $24,870 $622 79,535 57% $21.37 $1,111 0.8

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MO-151

 MONTANA #35* STATE
RANKING

In Montana, the Fair Market Rent (FMR) for a two-bedroom apartment is

$878. In order to afford this level of rent and utilities — without paying more $16.88
than 30% of income on housing — a household must earn $2,926 monthly or PER HOUR
$35,112 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT MONTANA:

STATE FACTS 78
Work Hours Per Week At
61
Work Hours Per Week At
Minimum Wage $8.65 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.15
2-Bedroom Housing Wage $16.88
2 1.5
Number of Renter Households 136,687 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 32%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $878
$684
$19.10
One bedroom FMR
Lewis and Clark County
Rent affordable at area $1828
$19.06
median income (AMI)
Gallatin County Rent affordable with full-time job paying
mean renter wage
$684
Richland County $18.88 Rent affordable at 30% of AMI $548

$18.81 $450
Rent affordable with full-time job
Musselshell County paying minimum wage

$235
$18.40
Rent affordable to SSI recipient
Park County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MT-152
 FY20 HOUSING AREA MEDIAN
Monta na WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MONTANA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Montana $16.88 $878 $35,112 2.0 $73,104 $1,828 $21,931 $548 136,687 32% $13.15 $684 1.3
Combined Nonmetro Areas $17.01 $884 $35,379 2.0 $70,914 $1,773 $21,274 $532 82,618 31% $12.87 $669 1.3

Metropolitan Areas
Billings HMFA $17.10 $889 $35,560 2.0 $76,600 $1,915 $22,980 $575 21,598 31% $14.43 $750 1.2
Golden Valley County HMFA $14.58 $758 $30,320 1.7 $76,500 $1,913 $22,950 $574 86 26% $13.88 $722 1.1
Great Falls MSA $14.40 $749 $29,960 1.7 $67,400 $1,685 $20,220 $506 12,330 36% $13.04 $678 1.1
Missoula MSA $17.65 $918 $36,720 2.0 $84,300 $2,108 $25,290 $632 20,055 41% $12.50 $650 1.4

Counties
Beaverhead County $14.42 $750 $30,000 1.7 $69,300 $1,733 $20,790 $520 1,307 33% $8.27 $430 1.7
Big Horn County $16.67 $867 $34,680 1.9 $55,300 $1,383 $16,590 $415 1,471 40% $17.34 $902 1.0
Blaine County $13.73 $714 $28,560 1.6 $46,200 $1,155 $13,860 $347 954 41% $10.16 $528 1.4
Broadwater County $16.35 $850 $34,000 1.9 $70,800 $1,770 $21,240 $531 449 19% $12.96 $674 1.3
Carbon County $17.10 $889 $35,560 2.0 $76,600 $1,915 $22,980 $575 996 22% $11.17 $581 1.5
Carter County $13.73 $714 $28,560 1.6 $65,400 $1,635 $19,620 $491 113 18% $15.19 $790 0.9
Cascade County $14.40 $749 $29,960 1.7 $67,400 $1,685 $20,220 $506 12,330 36% $13.04 $678 1.1
Chouteau County $13.73 $714 $28,560 1.6 $53,400 $1,335 $16,020 $401 784 35% $11.66 $607 1.2
Custer County $15.31 $796 $31,840 1.8 $76,500 $1,913 $22,950 $574 1,528 31% $11.57 $601 1.3
Daniels County $15.31 $796 $31,840 1.8 $75,800 $1,895 $22,740 $569 165 19% $15.13 $787 1.0
Dawson County $17.19 $894 $35,760 2.0 $72,600 $1,815 $21,780 $545 1,269 32% $14.90 $775 1.2
Deer Lodge County $13.73 $714 $28,560 1.6 $60,100 $1,503 $18,030 $451 1,210 31% $10.84 $564 1.3
Fallon County $15.35 $798 $31,920 1.8 $77,100 $1,928 $23,130 $578 429 33% $18.63 $969 0.8
Fergus County $16.50 $858 $34,320 1.9 $57,800 $1,445 $17,340 $434 1,392 28% $15.16 $788 1.1
Flathead County $17.87 $929 $37,160 2.1 $73,800 $1,845 $22,140 $554 10,484 27% $13.31 $692 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MT-153

 FY20 HOUSING AREA MEDIAN
Monta na WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MONTANA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Gallatin County $19.06 $991 $39,640 2.2 $90,400 $2,260 $27,120 $678 16,254 39% $13.82 $719 1.4
Garfield County $13.73 $714 $28,560 1.6 $68,400 $1,710 $20,520 $513 114 26% $8.98 $467 1.5
Glacier County $14.38 $748 $29,920 1.7 $46,300 $1,158 $13,890 $347 1,703 41% $14.76 $768 1.0
Golden Valley County $14.58 $758 $30,320 1.7 $76,500 $1,913 $22,950 $574 86 26% $13.88 $722 1.1
Granite County $14.12 $734 $29,360 1.6 $59,400 $1,485 $17,820 $446 353 28% $9.26 $482 1.5
Hill County $14.71 $765 $30,600 1.7 $57,300 $1,433 $17,190 $430 2,407 38% $10.44 $543 1.4
Jefferson County $17.60 $915 $36,600 2.0 $82,800 $2,070 $24,840 $621 668 15% $12.49 $649 1.4
Judith Basin County $13.73 $714 $28,560 1.6 $62,200 $1,555 $18,660 $467 247 27% $13.53 $703 1.0
Lake County $16.13 $839 $33,560 1.9 $58,300 $1,458 $17,490 $437 3,298 28% $10.75 $559 1.5
Lewis and Clark County $19.10 $993 $39,720 2.2 $83,800 $2,095 $25,140 $629 8,746 31% $12.03 $626 1.6
Liberty County $13.73 $714 $28,560 1.6 $67,700 $1,693 $20,310 $508 332 37% $10.11 $525 1.4
Lincoln County $14.35 $746 $29,840 1.7 $49,900 $1,248 $14,970 $374 1,795 22% $9.53 $495 1.5
McCone County $14.29 $743 $29,720 1.7 $69,700 $1,743 $20,910 $523 128 18% $20.26 $1,054 0.7
Madison County $16.67 $867 $34,680 1.9 $65,000 $1,625 $19,500 $488 888 26% $16.75 $871 1.0
Meagher County $14.50 $754 $30,160 1.7 $49,300 $1,233 $14,790 $370 217 29% $14.40 $749 1.0
Mineral County $13.73 $714 $28,560 1.6 $58,400 $1,460 $17,520 $438 459 27% $7.78 $405 1.8
Missoula County $17.65 $918 $36,720 2.0 $84,300 $2,108 $25,290 $632 20,055 41% $12.50 $650 1.4
Musselshell County $18.81 $978 $39,120 2.2 $56,100 $1,403 $16,830 $421 594 29% $17.35 $902 1.1
Park County $18.40 $957 $38,280 2.1 $71,000 $1,775 $21,300 $533 2,377 31% $12.79 $665 1.4
$17.02 $885 $35,400 2.0 $62,500 $1,563 $18,750 $469 61 33%
Phillips County $13.73 $714 $28,560 1.6 $58,900 $1,473 $17,670 $442 423 24% $10.60 $551 1.3
Pondera County $13.73 $714 $28,560 1.6 $58,400 $1,460 $17,520 $438 556 26% $8.93 $465 1.5
Powder River County $13.77 $716 $28,640 1.6 $64,000 $1,600 $19,200 $480 212 28% $9.07 $472 1.5
Powell County $13.73 $714 $28,560 1.6 $59,000 $1,475 $17,700 $443 754 32% $12.00 $624 1.1
Prairie County $17.02 $885 $35,400 2.0 $59,000 $1,475 $17,700 $443 71 13% $12.57 $654 1.4
Ravalli County $16.87 $877 $35,080 1.9 $62,300 $1,558 $18,690 $467 4,087 24% $10.33 $537 1.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MT-154

 FY20 HOUSING AREA MEDIAN
Monta na WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
MONTANA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Richland County $18.88 $982 $39,280 2.2 $83,000 $2,075 $24,900 $623 1,640 37% $20.23 $1,052 0.9
Roosevelt County $15.12 $786 $31,440 1.7 $55,600 $1,390 $16,680 $417 1,218 39% $11.02 $573 1.4
Rosebud County $13.73 $714 $28,560 1.6 $75,000 $1,875 $22,500 $563 911 29% $15.70 $816 0.9
Sanders County $14.42 $750 $30,000 1.7 $48,000 $1,200 $14,400 $360 1,162 23% $9.83 $511 1.5
Sheridan County $15.69 $816 $32,640 1.8 $77,500 $1,938 $23,250 $581 370 22% $13.38 $696 1.2
Silver Bow County $16.33 $849 $33,960 1.9 $61,700 $1,543 $18,510 $463 5,023 33% $9.32 $484 1.8
Stillwater County $15.27 $794 $31,760 1.8 $82,500 $2,063 $24,750 $619 765 21% $21.25 $1,105 0.7
Sweet Grass County $16.87 $877 $35,080 1.9 $68,600 $1,715 $20,580 $515 396 26% $21.27 $1,106 0.8
Teton County $15.25 $793 $31,720 1.8 $66,200 $1,655 $19,860 $497 750 30% $11.62 $604 1.3
Toole County $13.96 $726 $29,040 1.6 $61,500 $1,538 $18,450 $461 801 42% $11.61 $604 1.2
Treasure County $15.50 $806 $32,240 1.8 $52,200 $1,305 $15,660 $392 119 33% $19.95 $1,037 0.8
Valley County $15.44 $803 $32,120 1.8 $69,400 $1,735 $20,820 $521 816 24% $8.59 $447 1.8
Wheatland County $14.15 $736 $29,440 1.6 $45,500 $1,138 $13,650 $341 242 29% $20.42 $1,062 0.7
Wibaux County $17.02 $885 $35,400 2.0 $63,000 $1,575 $18,900 $473 106 21% $15.40 $801 1.1
Yellowstone County $17.10 $889 $35,560 2.0 $76,600 $1,915 $22,980 $575 20,602 32% $14.53 $755 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION MT-155

 NEBRASKA #40* STATE
RANKING

In Nebraska, the Fair Market Rent (FMR) for a two-bedroom apartment is

$846. In order to afford this level of rent and utilities — without paying more $16.27
than 30% of income on housing — a household must earn $2,820 monthly or PER HOUR
$33,838 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEBRASKA:

STATE FACTS 72
Work Hours Per Week At
57
Work Hours Per Week At
Minimum Wage $9.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.70
2-Bedroom Housing Wage $16.27
1.8 1.4
Number of Renter Households 255,496 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $846
$668
$18.19
One bedroom FMR
Omaha-Council Bluffs HMFA
Rent affordable at area $1968
$16.63
median income (AMI)
Lincoln HMFA Rent affordable with full-time
job paying mean renter wage
$712
Arthur County $15.88 Rent affordable at 30% of AMI $591

$15.60 $468
Rent affordable with full-time job
Saline County paying minimum wage

$250
$15.44
Rent affordable to SSI recipient
Sioux City HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-156
 FY20 HOUSING AREA MEDIAN
Nebraska WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEBRASKA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Nebraska $16.27 $846 $33,838 1.8 $78,740 $1,968 $23,622 $591 255,496 34% $13.70 $712 1.2
Combined Nonmetro Areas $13.88 $722 $28,861 1.5 $69,313 $1,733 $20,794 $520 82,104 30% $11.96 $622 1.2

Metropolitan Areas
Hall County HMFA $15.00 $780 $31,200 1.7 $66,300 $1,658 $19,890 $497 8,668 38% $12.34 $642 1.2
Hamilton County HMFA $13.60 $707 $28,280 1.5 $80,200 $2,005 $24,060 $602 709 19% $14.75 $767 0.9
Howard County HMFA $13.42 $698 $27,920 1.5 $72,700 $1,818 $21,810 $545 607 23% $7.94 $413 1.7
Lincoln HMFA $16.63 $865 $34,600 1.8 $82,100 $2,053 $24,630 $616 49,027 40% $13.09 $681 1.3
Merrick County HMFA $13.42 $698 $27,920 1.5 $69,700 $1,743 $20,910 $523 890 27% $13.84 $720 1.0
Omaha-Council Bluffs HMFA $18.19 $946 $37,840 2.0 $87,000 $2,175 $26,100 $653 106,805 36% $15.13 $787 1.2
Saunders County HMFA $14.56 $757 $30,280 1.6 $82,800 $2,070 $24,840 $621 1,792 22% $10.41 $541 1.4
Seward County HMFA $13.98 $727 $29,080 1.6 $84,600 $2,115 $25,380 $635 1,849 28% $10.76 $559 1.3
Sioux City HMFA $15.44 $803 $32,120 1.7 $75,200 $1,880 $22,560 $564 3,045 31% $15.02 $781 1.0

Counties
Adams County $13.42 $698 $27,920 1.5 $72,900 $1,823 $21,870 $547 4,036 32% $10.48 $545 1.3
Antelope County $13.42 $698 $27,920 1.5 $62,700 $1,568 $18,810 $470 611 23% $11.48 $597 1.2
$15.88 $826 $33,040 1.8 $65,100 $1,628 $19,530 $488 62 32%
$13.42 $698 $27,920 1.5 $69,900 $1,748 $20,970 $524 75 27%
$13.42 $698 $27,920 1.5 $61,700 $1,543 $18,510 $463 73 33%
Boone County $13.42 $698 $27,920 1.5 $73,200 $1,830 $21,960 $549 503 22% $13.94 $725 1.0
Box Butte County $13.42 $698 $27,920 1.5 $78,500 $1,963 $23,550 $589 1,619 34% $8.36 $435 1.6
Boyd County $13.42 $698 $27,920 1.5 $67,700 $1,693 $20,310 $508 169 19% $10.84 $564 1.2
Brown County $14.02 $729 $29,160 1.6 $55,900 $1,398 $16,770 $419 370 26% $10.55 $549 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-157

 FY20 HOUSING AREA MEDIAN
Nebraska WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEBRASKA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Buffalo County $15.02 $781 $31,240 1.7 $77,800 $1,945 $23,340 $584 6,989 36% $11.04 $574 1.4
Burt County $13.42 $698 $27,920 1.5 $67,000 $1,675 $20,100 $503 722 25% $9.59 $499 1.4
Butler County $13.58 $706 $28,240 1.5 $69,800 $1,745 $20,940 $524 734 22% $10.33 $537 1.3
Cass County $18.19 $946 $37,840 2.0 $87,000 $2,175 $26,100 $653 1,849 18% $11.14 $579 1.6
Cedar County $13.42 $698 $27,920 1.5 $75,600 $1,890 $22,680 $567 642 19% $11.95 $621 1.1
Chase County $13.42 $698 $27,920 1.5 $66,000 $1,650 $19,800 $495 391 23% $12.52 $651 1.1
Cherry County $13.42 $698 $27,920 1.5 $65,500 $1,638 $19,650 $491 1,000 39% $9.74 $507 1.4
Cheyenne County $13.42 $698 $27,920 1.5 $82,200 $2,055 $24,660 $617 1,385 31% $16.09 $837 0.8
Clay County $13.42 $698 $27,920 1.5 $68,400 $1,710 $20,520 $513 550 21% $12.44 $647 1.1
Colfax County $13.42 $698 $27,920 1.5 $66,800 $1,670 $20,040 $501 1,079 29% $20.54 $1,068 0.7
Cuming County $13.42 $698 $27,920 1.5 $68,400 $1,710 $20,520 $513 1,154 31% $14.39 $748 0.9
Custer County $13.42 $698 $27,920 1.5 $64,000 $1,600 $19,200 $480 1,476 30% $14.09 $733 1.0
Dakota County $15.44 $803 $32,120 1.7 $75,200 $1,880 $22,560 $564 2,548 34% $15.35 $798 1.0
Dawes County $13.65 $710 $28,400 1.5 $67,200 $1,680 $20,160 $504 1,280 35% $9.05 $471 1.5
Dawson County $13.48 $701 $28,040 1.5 $63,100 $1,578 $18,930 $473 2,900 32% $12.61 $655 1.1
Deuel County $13.42 $698 $27,920 1.5 $63,300 $1,583 $18,990 $475 200 24% $11.94 $621 1.1
Dixon County $15.44 $803 $32,120 1.7 $75,200 $1,880 $22,560 $564 497 22% $11.98 $623 1.3
Dodge County $15.15 $788 $31,520 1.7 $64,700 $1,618 $19,410 $485 5,737 38% $13.22 $687 1.1
Douglas County $18.19 $946 $37,840 2.0 $87,000 $2,175 $26,100 $653 83,133 39% $15.52 $807 1.2
Dundy County $13.42 $698 $27,920 1.5 $60,200 $1,505 $18,060 $452 256 30% $14.46 $752 0.9
Fillmore County $13.42 $698 $27,920 1.5 $72,600 $1,815 $21,780 $545 612 24% $13.02 $677 1.0
Franklin County $13.42 $698 $27,920 1.5 $64,800 $1,620 $19,440 $486 223 16% $11.67 $607 1.1
Frontier County $13.42 $698 $27,920 1.5 $65,500 $1,638 $19,650 $491 280 25% $10.24 $533 1.3
Furnas County $13.42 $698 $27,920 1.5 $64,900 $1,623 $19,470 $487 602 28% $10.65 $554 1.3
Gage County $13.42 $698 $27,920 1.5 $71,200 $1,780 $21,360 $534 2,883 31% $11.19 $582 1.2
Garden County $13.42 $698 $27,920 1.5 $72,200 $1,805 $21,660 $542 199 23% $13.48 $701 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-158

 FY20 HOUSING AREA MEDIAN
Nebraska WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEBRASKA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Garfield County $13.42 $698 $27,920 1.5 $58,800 $1,470 $17,640 $441 194 22% $6.80 $354 2.0
Gosper County $13.42 $698 $27,920 1.5 $84,800 $2,120 $25,440 $636 239 27% $19.68 $1,024 0.7
Grant County $13.42 $698 $27,920 1.5 $57,900 $1,448 $17,370 $434 73 25% $12.53 $651 1.1
Greeley County $13.42 $698 $27,920 1.5 $63,600 $1,590 $19,080 $477 208 20% $12.50 $650 1.1
Hall County $15.00 $780 $31,200 1.7 $66,300 $1,658 $19,890 $497 8,668 38% $12.34 $642 1.2
Hamilton County $13.60 $707 $28,280 1.5 $80,200 $2,005 $24,060 $602 709 19% $14.75 $767 0.9
Harlan County $13.42 $698 $27,920 1.5 $66,900 $1,673 $20,070 $502 303 20% $7.71 $401 1.7
Hayes County $14.75 $767 $30,680 1.6 $67,100 $1,678 $20,130 $503 123 30% $18.28 $950 0.8
Hitchcock County $13.42 $698 $27,920 1.5 $58,200 $1,455 $17,460 $437 327 27% $13.71 $713 1.0
Holt County $13.42 $698 $27,920 1.5 $67,900 $1,698 $20,370 $509 1,176 27% $12.54 $652 1.1
Hooker County $13.42 $698 $27,920 1.5 $56,500 $1,413 $16,950 $424 113 35% $12.57 $654 1.1
Howard County $13.42 $698 $27,920 1.5 $72,700 $1,818 $21,810 $545 607 23% $7.94 $413 1.7
Jefferson County $13.42 $698 $27,920 1.5 $58,300 $1,458 $17,490 $437 919 28% $12.01 $624 1.1
Johnson County $13.42 $698 $27,920 1.5 $64,100 $1,603 $19,230 $481 451 25% $9.65 $502 1.4
Kearney County $14.35 $746 $29,840 1.6 $75,900 $1,898 $22,770 $569 734 27% $10.93 $569 1.3
Keith County $13.42 $698 $27,920 1.5 $61,500 $1,538 $18,450 $461 1,132 29% $8.75 $455 1.5
$13.42 $698 $27,920 1.5 $56,300 $1,408 $16,890 $422 82 25%
Kimball County $13.48 $701 $28,040 1.5 $56,600 $1,415 $16,980 $425 459 29% $15.50 $806 0.9
Knox County $13.42 $698 $27,920 1.5 $65,100 $1,628 $19,530 $488 984 27% $11.46 $596 1.2
Lancaster County $16.63 $865 $34,600 1.8 $82,100 $2,053 $24,630 $616 49,027 40% $13.09 $681 1.3
Lincoln County $13.63 $709 $28,360 1.5 $73,500 $1,838 $22,050 $551 5,205 35% $10.72 $557 1.3
Logan County $13.42 $698 $27,920 1.5 $69,100 $1,728 $20,730 $518 99 29% $13.03 $678 1.0
$13.42 $698 $27,920 1.5 $68,400 $1,710 $20,520 $513 45 16%
$13.42 $698 $27,920 1.5 $74,300 $1,858 $22,290 $557 64 32%
Madison County $13.75 $715 $28,600 1.5 $67,600 $1,690 $20,280 $507 4,890 34% $12.70 $660 1.1
Merrick County $13.42 $698 $27,920 1.5 $69,700 $1,743 $20,910 $523 890 27% $13.84 $720 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-159

 FY20 HOUSING AREA MEDIAN
Nebraska WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEBRASKA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Morrill County $14.06 $731 $29,240 1.6 $58,800 $1,470 $17,640 $441 547 28% $13.49 $702 1.0
Nance County $13.42 $698 $27,920 1.5 $65,300 $1,633 $19,590 $490 352 23% $15.26 $794 0.9
Nemaha County $13.42 $698 $27,920 1.5 $73,700 $1,843 $22,110 $553 804 28% $10.30 $535 1.3
Nuckolls County $13.42 $698 $27,920 1.5 $58,200 $1,455 $17,460 $437 465 24% $7.71 $401 1.7
Otoe County $13.81 $718 $28,720 1.5 $73,300 $1,833 $21,990 $550 1,803 28% $10.79 $561 1.3
Pawnee County $13.42 $698 $27,920 1.5 $59,900 $1,498 $17,970 $449 199 16% $7.91 $411 1.7
Perkins County $13.42 $698 $27,920 1.5 $73,900 $1,848 $22,170 $554 274 22% $13.48 $701 1.0
Phelps County $13.42 $698 $27,920 1.5 $76,800 $1,920 $23,040 $576 1,109 28% $12.75 $663 1.1
Pierce County $13.42 $698 $27,920 1.5 $74,200 $1,855 $22,260 $557 723 24% $10.65 $554 1.3
Platte County $14.58 $758 $30,320 1.6 $78,000 $1,950 $23,400 $585 3,640 28% $13.08 $680 1.1
Polk County $13.42 $698 $27,920 1.5 $81,600 $2,040 $24,480 $612 410 20% $9.00 $468 1.5
Red Willow County $13.42 $698 $27,920 1.5 $64,000 $1,600 $19,200 $480 1,180 26% $10.38 $540 1.3
Richardson County $13.42 $698 $27,920 1.5 $62,500 $1,563 $18,750 $469 863 23% $10.56 $549 1.3
Rock County $13.42 $698 $27,920 1.5 $69,300 $1,733 $20,790 $520 169 27% $12.80 $665 1.0
Saline County $15.60 $811 $32,440 1.7 $66,000 $1,650 $19,800 $495 1,538 30% $13.29 $691 1.2
Sarpy County $18.19 $946 $37,840 2.0 $87,000 $2,175 $26,100 $653 20,095 31% $13.72 $713 1.3
Saunders County $14.56 $757 $30,280 1.6 $82,800 $2,070 $24,840 $621 1,792 22% $10.41 $541 1.4
Scotts Bluff County $13.94 $725 $29,000 1.5 $62,400 $1,560 $18,720 $468 4,531 31% $11.61 $604 1.2
Seward County $13.98 $727 $29,080 1.6 $84,600 $2,115 $25,380 $635 1,849 28% $10.76 $559 1.3
Sheridan County $13.42 $698 $27,920 1.5 $58,300 $1,458 $17,490 $437 641 28% $11.58 $602 1.2
Sherman County $13.42 $698 $27,920 1.5 $69,100 $1,728 $20,730 $518 315 23% $14.78 $769 0.9
$13.42 $698 $27,920 1.5 $62,700 $1,568 $18,810 $470 156 27%
Stanton County $14.87 $773 $30,920 1.7 $73,500 $1,838 $22,050 $551 409 17% $24.67 $1,283 0.6
Thayer County $13.42 $698 $27,920 1.5 $69,500 $1,738 $20,850 $521 486 21% $14.49 $754 0.9
Thomas County $13.50 $702 $28,080 1.5 $75,700 $1,893 $22,710 $568 80 27% $11.80 $614 1.1
Thurston County $13.42 $698 $27,920 1.5 $53,000 $1,325 $15,900 $398 877 40% $13.11 $682 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-160

 FY20 HOUSING AREA MEDIAN
Nebraska WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEBRASKA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Valley County $13.42 $698 $27,920 1.5 $69,000 $1,725 $20,700 $518 475 26% $10.75 $559 1.2
Washington County $18.19 $946 $37,840 2.0 $87,000 $2,175 $26,100 $653 1,728 21% $13.46 $700 1.4
Wayne County $13.42 $698 $27,920 1.5 $75,800 $1,895 $22,740 $569 1,311 36% $5.98 $311 2.2
Webster County $13.42 $698 $27,920 1.5 $63,200 $1,580 $18,960 $474 341 22% $9.12 $474 1.5
Wheeler County $13.42 $698 $27,920 1.5 $64,400 $1,610 $19,320 $483 105 29% $17.82 $927 0.8
York County $13.42 $698 $27,920 1.5 $75,200 $1,880 $22,560 $564 1,669 29% $10.41 $541 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NE-161

 NEVADA #23* STATE
RANKING

In Nevada, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,065. In order to afford this level of rent and utilities — without paying more $20.48
than 30% of income on housing — a household must earn $3,549 monthly or PER HOUR
$42,592 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEVADA:

STATE FACTS 91
Work Hours Per Week At
73
Work Hours Per Week At
Minimum Wage $9.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.42
2-Bedroom Housing Wage $20.48
2.3 1.8
Number of Renter Households 475,410 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 44%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1065
$858
$20.77
One bedroom FMR
Las Vegas-Henderson-Paradise MSA
Rent affordable at area $1812
$20.60
median income (AMI)
Reno MSA Rent affordable with full-time job
paying mean renter wage
$906
Douglas County $20.52 Rent affordable at 30% of AMI $544

$19.96 $468
Rent affordable with full-time job
Lander County paying minimum wage

$246
$18.56
Rent affordable to SSI recipient
Humboldt County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NV-162
 FY20 HOUSING AREA MEDIAN
Neva da WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEVADA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Nevada $20.48 $1,065 $42,592 2.3 $72,497 $1,812 $21,749 $544 475,410 44% $17.42 $906 1.2
Combined Nonmetro Areas $17.53 $912 $36,461 1.9 $72,163 $1,804 $21,649 $541 30,813 29% $17.83 $927 1.0

Metropolitan Areas
Carson City MSA $18.13 $943 $37,720 2.0 $75,400 $1,885 $22,620 $566 9,950 44% $17.84 $928 1.0
Las Vegas-Henderson-Paradise MSA $20.77 $1,080 $43,200 2.3 $70,800 $1,770 $21,240 $531 359,907 47% $17.46 $908 1.2
Reno MSA $20.60 $1,071 $42,840 2.3 $79,600 $1,990 $23,880 $597 74,740 42% $17.02 $885 1.2

Counties
Churchill County $17.12 $890 $35,600 1.9 $63,300 $1,583 $18,990 $475 3,363 34% $17.48 $909 1.0
Clark County $20.77 $1,080 $43,200 2.3 $70,800 $1,770 $21,240 $531 359,907 47% $17.46 $908 1.2
Douglas County $20.52 $1,067 $42,680 2.3 $75,400 $1,885 $22,620 $566 6,203 30% $16.98 $883 1.2
Elko County $18.48 $961 $38,440 2.1 $91,800 $2,295 $27,540 $689 4,895 28% $16.02 $833 1.2
$13.73 $714 $28,560 1.5 $52,500 $1,313 $15,750 $394 190 42%
Eureka County $17.13 $891 $35,640 1.9 $118,600 $2,965 $35,580 $890 201 27% $34.67 $1,803 0.5
Humboldt County $18.56 $965 $38,600 2.1 $85,900 $2,148 $25,770 $644 1,548 25% $16.07 $836 1.2
Lander County $19.96 $1,038 $41,520 2.2 $97,000 $2,425 $29,100 $728 407 20% $18.03 $938 1.1
Lincoln County $14.23 $740 $29,600 1.6 $63,300 $1,583 $18,990 $475 539 26% $7.40 $385 1.9
Lyon County $16.08 $836 $33,440 1.8 $64,100 $1,603 $19,230 $481 6,004 29% $16.07 $836 1.0
Mineral County $13.73 $714 $28,560 1.5 $61,900 $1,548 $18,570 $464 616 32% $18.83 $979 0.7
Nye County $16.12 $838 $33,520 1.8 $57,300 $1,433 $17,190 $430 5,416 29% $17.61 $916 0.9
Pershing County $13.73 $714 $28,560 1.5 $64,100 $1,603 $19,230 $481 510 26% $20.22 $1,051 0.7
Storey County $20.60 $1,071 $42,840 2.3 $79,600 $1,990 $23,880 $597 200 13% $18.93 $985 1.1
Washoe County $20.60 $1,071 $42,840 2.3 $79,600 $1,990 $23,880 $597 74,540 42% $16.86 $877 1.2
White Pine County $16.27 $846 $33,840 1.8 $73,800 $1,845 $22,140 $554 921 26% $21.12 $1,098 0.8
Carson City $18.13 $943 $37,720 2.0 $75,400 $1,885 $22,620 $566 9,950 44% $17.84 $928 1.0
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NV-163

 NEW HAMPSHIRE STATE
RANKING #15*
In New Hampshire, the Fair Market Rent (FMR) for a two-bedroom
apartment is $1,218. In order to afford this level of rent and utilities — without $23.43
paying more than 30% of income on housing — a household must earn $4,060 PER HOUR
monthly or $48,726 annually. Assuming a 40-hour work week, 52 weeks per STATE HOUSING
year, this level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEW HAMPSHIRE:

STATE FACTS 129
Work Hours Per Week At
101
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.83
2-Bedroom Housing Wage $23.43
3.2 2.5
Number of Renter Households 153,320 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 29%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1218
$948
$44.44
One bedroom FMR
Boston-Cambridge-Quincy HMFA
Rent affordable at area $2369
$28.92
median income (AMI)
Western Rockingham County HMFA Rent affordable with full-time
job paying mean renter wage
$823
Lawrence HMFA $27.65 Rent affordable at 30% of AMI $711

$26.25 $377
Rent affordable with full-time job
Nashua HMFA paying minimum wage

$243
$25.29
Rent affordable to SSI recipient
Portsmouth-Rochester HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NH-164
TOWNS WITHIN NEW HAMPSHIRE FMR AREAS
BOSTON-CAMBRIDGE-QUINCY, MA-NH HMFA
ROCKINGHAM COUNTY
Seabrook town, South Hampton town

HILLSBOROUGH COUNTY, NH (PART) HMFA

HILLSBOROUGH COUNTY
Antrim town, Bennington town, Deering town, Francestown town, Greenfield town, Hancock town, Hillsborough town, Lyndeborough
town, New Boston town, Peterborough town, Sharon town, Temple town, Windsor town

LAWRENCE, MA-NH HMFA

ROCKINGHAM COUNTY
Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow
town, Raymond town, Salem town, Sandown town, Windham town

MANCHESTER, NH HMFA
HILLSBOROUGH COUNTY
Bedford town, Goffstown town, Manchester city, Weare town

NASHUA, NH HMFA
HILLSBOROUGH COUNTY
Amherst town, Brookline town, Greenville town, Hollis town, Hudson town, Litchfield town, Mason town, Merrimack town, Milford
town, Mont Vernon town, Nashua city, New Ipswich town, Pelham town, Wilton town

PORTSMOUTH-ROCHESTER, NH HMFA
ROCKINGHAM COUNTY
Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton Falls town, Hampton town, Kensington
town, New Castle town, Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city, Rye town,
Stratham town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NH-165

STRAFFORD COUNTY
Barrington town, Dover city, Durham town, Farmington town, Lee town, Madbury town, Middleton town, Milton town, New Durham
town, Rochester city, Rollinsford town, Somersworth city, Strafford town

WESTERN ROCKINGHAM COUNTY, NH HMFA

ROCKINGHAM COUNTY
Auburn town, Candia town, Deerfield town, Londonderry town, Northwood town, Nottingham town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NH-166

 FY20 HOUSING AREA MEDIAN
New Ha mp s hire WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW HAMPSHIRE Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

New Hampshire $23.43 $1,218 $48,726 3.2 $94,756 $2,369 $28,427 $711 153,320 29% $15.83 $823 1.5
Combined Nonmetro Areas $19.90 $1,035 $41,391 2.7 $83,759 $2,094 $25,128 $628 55,188 28% $14.11 $734 1.4

Metropolitan Areas
Boston-Cambridge-Quincy HMFA $44.44 $2,311 $92,440 6.1 $119,000 $2,975 $35,700 $893 1,357 33% $15.50 $806 2.9
Hillsborough County (part) HMFA $21.23 $1,104 $44,160 2.9 $94,100 $2,353 $28,230 $706 2,295 18% $17.92 $932 1.2
Lawrence HMFA $27.65 $1,438 $57,520 3.8 $98,000 $2,450 $29,400 $735 11,357 21% $15.50 $806 1.8
Manchester HMFA $23.04 $1,198 $47,920 3.2 $83,600 $2,090 $25,080 $627 27,772 44% $17.92 $932 1.3
Nashua HMFA $26.25 $1,365 $54,600 3.6 $113,600 $2,840 $34,080 $852 24,134 29% $17.92 $932 1.5
Portsmouth-Rochester HMFA $25.29 $1,315 $52,600 3.5 $102,800 $2,570 $30,840 $771 29,133 31% $15.44 $803 1.6
Western Rockingham County HMFA $28.92 $1,504 $60,160 4.0 $112,200 $2,805 $33,660 $842 2,084 12% $15.50 $806 1.9

Counties
Belknap County $19.62 $1,020 $40,800 2.7 $82,400 $2,060 $24,720 $618 5,712 23% $11.87 $617 1.7
Carroll County $19.27 $1,002 $40,080 2.7 $71,900 $1,798 $21,570 $539 4,344 21% $10.23 $532 1.9
Cheshire County $20.42 $1,062 $42,480 2.8 $86,500 $2,163 $25,950 $649 9,150 30% $13.00 $676 1.6
$14.79 $769 $30,760 2.0 $61,900 $1,548 $18,570 $464 3,991 29%
Grafton County $19.25 $1,001 $40,040 2.7 $92,600 $2,315 $27,780 $695 10,780 31% $17.19 $894 1.1
Merrimack County $21.75 $1,131 $45,240 3.0 $89,200 $2,230 $26,760 $669 16,446 28% $14.23 $740 1.5
Sullivan County $19.17 $997 $39,880 2.6 $76,900 $1,923 $23,070 $577 4,765 27% $13.37 $695 1.4

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NH-167

 NEW JERSEY STATE
RANKING #7*
In New Jersey, the Fair Market Rent (FMR) for a two-bedroom apartment
is $1,544. In order to afford this level of rent and utilities — without paying $29.69
more than 30% of income on housing — a household must earn $5,147 monthly PER HOUR
or $61,762 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEW JERSEY:

STATE FACTS 108
Work Hours Per Week At
88
Work Hours Per Week At
Minimum Wage $11.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $19.10
2-Bedroom Housing Wage $29.69
2.7 2.2
Number of Renter Households 1,158,949 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 36%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1544
$1263
$34.04
One bedroom FMR
Middlesex-Somerset-Hunterdon HMFA
Rent affordable at area $2571
$32.52
median income (AMI)
Jersey City HMFA Rent affordable with full-time job paying
mean renter wage
$993
Monmouth-Ocean HMFA $31.52 Rent affordable at 30% of AMI $771

$31.21 $572
Rent affordable with full-time job
Bergen-Passaic HMFA paying minimum wage

$244
$28.52
Rent affordable to SSI recipient
Newark HMFA
$0 $1000 $2000 $3000
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NJ-168
 FY20 HOUSING AREA MEDIAN
New Jersey WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW JERSEY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

New Jersey $29.69 $1,544 $61,762 2.7 $102,843 $2,571 $30,853 $771 1,158,949 36% $19.10 $993 1.6

Metropolitan Areas
Atlantic City-Hammonton MSA $25.10 $1,305 $52,200 2.3 $84,300 $2,108 $25,290 $632 32,538 33% $11.36 $591 2.2
Bergen-Passaic HMFA * $31.21 $1,623 $64,920 2.8 $104,200 $2,605 $31,260 $782 197,370 39% $18.49 $961 1.7
Jersey City HMFA $32.52 $1,691 $67,640 3.0 $76,900 $1,923 $23,070 $577 175,047 69% $31.87 $1,657 1.0
Middlesex-Somerset-Hunterdon HMFA $34.04 $1,770 $70,800 3.1 $119,500 $2,988 $35,850 $896 140,602 31% $22.02 $1,145 1.5
Monmouth-Ocean HMFA $31.52 $1,639 $65,560 2.9 $109,400 $2,735 $32,820 $821 106,643 23% $12.99 $675 2.4
Newark HMFA $28.52 $1,483 $59,320 2.6 $106,000 $2,650 $31,800 $795 290,977 41% $21.71 $1,129 1.3
Ocean City MSA $24.04 $1,250 $50,000 2.2 $85,800 $2,145 $25,740 $644 8,944 22% $9.22 $479 2.6
Philadelphia-Camden-Wilmington MSA $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 130,256 27% $14.26 $742 1.7
Trenton MSA $28.00 $1,456 $58,240 2.5 $108,700 $2,718 $32,610 $815 46,939 36% $18.63 $969 1.5
Vineland-Bridgeton MSA $24.21 $1,259 $50,360 2.2 $67,700 $1,693 $20,310 $508 18,006 36% $11.69 $608 2.1
Warren County HMFA $22.52 $1,171 $46,840 2.0 $97,800 $2,445 $29,340 $734 11,627 28% $13.08 $680 1.7

Counties
Atlantic County $25.10 $1,305 $52,200 2.3 $84,300 $2,108 $25,290 $632 32,538 33% $11.36 $591 2.2
Bergen County * $31.21 $1,623 $64,920 2.8 $104,200 $2,605 $31,260 $782 120,368 36% $19.90 $1,035 1.6
Burlington County $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 40,141 24% $17.79 $925 1.3
Camden County $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 62,318 33% $13.02 $677 1.8
Cape May County $24.04 $1,250 $50,000 2.2 $85,800 $2,145 $25,740 $644 8,944 22% $9.22 $479 2.6
Cumberland County $24.21 $1,259 $50,360 2.2 $67,700 $1,693 $20,310 $508 18,006 36% $11.69 $608 2.1
Essex County $28.52 $1,483 $59,320 2.6 $106,000 $2,650 $31,800 $795 157,629 56% $20.66 $1,074 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NJ-169

 FY20 HOUSING AREA MEDIAN
New Jersey WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW JERSEY Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Gloucester County $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 20,742 20% $10.00 $520 2.4
Hudson County $32.52 $1,691 $67,640 3.0 $76,900 $1,923 $23,070 $577 175,047 69% $31.87 $1,657 1.0
Hunterdon County $34.04 $1,770 $70,800 3.1 $119,500 $2,988 $35,850 $896 7,890 17% $15.22 $791 2.2
Mercer County $28.00 $1,456 $58,240 2.5 $108,700 $2,718 $32,610 $815 46,939 36% $18.63 $969 1.5
Middlesex County $34.04 $1,770 $70,800 3.1 $119,500 $2,988 $35,850 $896 104,200 37% $21.10 $1,097 1.6
Monmouth County $31.52 $1,639 $65,560 2.9 $109,400 $2,735 $32,820 $821 61,552 26% $13.13 $683 2.4
Morris County $28.52 $1,483 $59,320 2.6 $106,000 $2,650 $31,800 $795 46,296 26% $24.85 $1,292 1.1
Ocean County $31.52 $1,639 $65,560 2.9 $109,400 $2,735 $32,820 $821 45,091 20% $12.76 $663 2.5
Passaic County * $31.21 $1,623 $64,920 2.8 $104,200 $2,605 $31,260 $782 77,002 47% $14.43 $750 2.2
Salem County $23.58 $1,226 $49,040 2.1 $96,600 $2,415 $28,980 $725 7,055 30% $13.60 $707 1.7
Somerset County $34.04 $1,770 $70,800 3.1 $119,500 $2,988 $35,850 $896 28,512 24% $25.64 $1,333 1.3
Sussex County $28.52 $1,483 $59,320 2.6 $106,000 $2,650 $31,800 $795 9,354 18% $12.19 $634 2.3
Union County $28.52 $1,483 $59,320 2.6 $106,000 $2,650 $31,800 $795 77,698 41% $20.49 $1,066 1.4
Warren County $22.52 $1,171 $46,840 2.0 $97,800 $2,445 $29,340 $734 11,627 28% $13.08 $680 1.7

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NJ-170

 NEW MEXICO STATE
RANKING #38*
In New Mexico, the Fair Market Rent (FMR) for a two-bedroom apartment is
$851. In order to afford this level of rent and utilities — without paying more $16.37
than 30% of income on housing — a household must earn $2,837 monthly or PER HOUR
$34,047 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEW MEXICO:

STATE FACTS 73
Work Hours Per Week At
59
Work Hours Per Week At
Minimum Wage $9.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.99
2-Bedroom Housing Wage $16.37
1.8 1.5
Number of Renter Households 251,409 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 32%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $851
$696
$21.29
One bedroom FMR
Los Alamos County
Rent affordable at area
$1572
$20.33
median income (AMI)
Santa Fe MSA Rent affordable with full-time job paying
mean renter wage
$728
Lea County $18.29 Rent affordable at 30% of AMI $471

$17.77 $468
Rent affordable with full-time job
Eddy County paying minimum wage

$235
$16.92
Rent affordable to SSI recipient
Curry County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NM-171
 FY20 HOUSING AREA MEDIAN
New Mexico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW MEXICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

New Mexico $16.37 $851 $34,047 1.8 $62,865 $1,572 $18,859 $471 251,409 32% $13.99 $728 1.2
Combined Nonmetro Areas $15.55 $809 $32,350 1.7 $55,465 $1,387 $16,639 $416 75,362 31% $15.64 $813 1.0

Metropolitan Areas
Albuquerque MSA $16.87 $877 $35,080 1.9 $69,100 $1,728 $20,730 $518 115,919 33% $13.39 $696 1.3
Farmington MSA $15.81 $822 $32,880 1.8 $54,700 $1,368 $16,410 $410 12,148 28% $16.05 $835 1.0
Las Cruces MSA $14.27 $742 $29,680 1.6 $52,100 $1,303 $15,630 $391 29,580 38% $10.47 $545 1.4
Santa Fe MSA $20.33 $1,057 $42,280 2.3 $76,000 $1,900 $22,800 $570 18,400 30% $14.12 $734 1.4

Counties
Bernalillo County $16.87 $877 $35,080 1.8 $69,100 $1,728 $20,730 $518 98,752 37% $13.53 $704 1.2
$13.73 $714 $28,560 1.5 $55,200 $1,380 $16,560 $414 105 8%
Chaves County $15.62 $812 $32,480 1.7 $57,000 $1,425 $17,100 $428 7,176 31% $12.51 $650 1.2
Cibola County $13.73 $714 $28,560 1.5 $48,500 $1,213 $14,550 $364 2,700 30% $13.14 $683 1.0
Colfax County $14.27 $742 $29,680 1.6 $49,700 $1,243 $14,910 $373 1,764 31% $8.47 $441 1.7
Curry County $16.92 $880 $35,200 1.9 $51,700 $1,293 $15,510 $388 7,882 43% $13.58 $706 1.2
De Baca County $15.12 $786 $31,440 1.7 $54,900 $1,373 $16,470 $412 237 34% $14.89 $774 1.0
Dona Ana County $14.27 $742 $29,680 1.6 $52,100 $1,303 $15,630 $391 29,580 38% $10.47 $545 1.4
Eddy County $17.77 $924 $36,960 2.0 $70,700 $1,768 $21,210 $530 6,207 29% $21.34 $1,110 0.8
Grant County $14.33 $745 $29,800 1.6 $53,800 $1,345 $16,140 $404 3,567 30% $12.69 $660 1.1
Guadalupe County $13.73 $714 $28,560 1.5 $45,200 $1,130 $13,560 $339 486 35% $10.02 $521 1.4
$13.73 $714 $28,560 1.5 $55,000 $1,375 $16,500 $413 79 37%
Hidalgo County $13.73 $714 $28,560 1.5 $49,900 $1,248 $14,970 $374 520 30% $7.55 $392 1.8
Lea County $18.29 $951 $38,040 2.0 $64,300 $1,608 $19,290 $482 7,141 32% $20.32 $1,057 0.9
Lincoln County $16.71 $869 $34,760 1.9 $60,000 $1,500 $18,000 $450 1,798 23% $7.70 $401 2.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NM-172

 FY20 HOUSING AREA MEDIAN
New Mexico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW MEXICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Los Alamos County $21.29 $1,107 $44,280 2.4 $141,800 $3,545 $42,540 $1,064 1,956 26% $29.33 $1,525 0.7
Luna County $13.73 $714 $28,560 1.5 $38,200 $955 $11,460 $287 3,565 40% $10.09 $525 1.4
McKinley County $13.73 $714 $28,560 1.5 $36,600 $915 $10,980 $275 5,869 29% $10.20 $530 1.3
Mora County $15.12 $786 $31,440 1.7 $40,100 $1,003 $12,030 $301 380 25% $11.26 $585 1.3
Otero County $13.73 $714 $28,560 1.5 $57,200 $1,430 $17,160 $429 8,111 35% $13.51 $703 1.0
Quay County $13.73 $714 $28,560 1.5 $41,500 $1,038 $12,450 $311 1,114 36% $11.68 $607 1.2
$13.73 $714 $28,560 1.5 $48,200 $1,205 $14,460 $362 2,850 23%
Roosevelt County $15.08 $784 $31,360 1.7 $47,000 $1,175 $14,100 $353 2,725 39% $10.54 $548 1.4
Sandoval County $16.87 $877 $35,080 1.9 $69,100 $1,728 $20,730 $518 10,912 22% $13.47 $701 1.3
San Juan County $15.81 $822 $32,880 1.8 $54,700 $1,368 $16,410 $410 12,148 28% $16.05 $835 1.0
San Miguel County $14.85 $772 $30,880 1.6 $43,100 $1,078 $12,930 $323 3,251 29% $6.61 $344 2.2
Santa Fe County $20.33 $1,057 $42,280 1.7 $76,000 $1,900 $22,800 $570 18,400 30% $14.12 $734 1.4
Sierra County $14.10 $733 $29,320 1.6 $43,400 $1,085 $13,020 $326 1,295 24% $7.65 $398 1.8
Socorro County $13.73 $714 $28,560 1.5 $46,900 $1,173 $14,070 $352 1,199 26% $10.90 $567 1.3
Taos County $16.83 $875 $35,000 1.9 $48,800 $1,220 $14,640 $366 2,969 24% $10.18 $529 1.7
Torrance County $16.87 $877 $35,080 1.9 $69,100 $1,728 $20,730 $518 945 17% $9.31 $484 1.8
Union County $13.73 $714 $28,560 1.5 $58,400 $1,460 $17,520 $438 416 30% $13.11 $682 1.0
Valencia County $16.87 $877 $35,080 1.9 $69,100 $1,728 $20,730 $518 5,310 19% $10.75 $559 1.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NM-173

 NEW YORK STATE
RANKING #5*
In New York, the Fair Market Rent (FMR) for a two-bedroom apartment is
$1,691. In order to afford this level of rent and utilities — without paying more $32.53
than 30% of income on housing — a household must earn $5,638 monthly or PER HOUR
$67,653 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NEW YORK:

STATE FACTS 110
Work Hours Per Week At
95
Work Hours Per Week At
Minimum Wage $11.80 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $25.68
2-Bedroom Housing Wage $32.53
2.8 2.4
Number of Renter Households 3,373,181 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 46%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1691
$1457
$38.31
One bedroom FMR
Nassau-Suffolk HMFA
Rent affordable at area $2197
$37.98
median income (AMI)
Westchester County Statutory Exception Area Rent affordable with full-time job paying
mean renter wage
$1335
New York HMFA $37.52 Rent affordable at 30% of AMI $659

$26.87 $614
Rent affordable with full-time job
Poughkeepsie-Newburgh-Middletown HMFA paying minimum wage

$261
$23.37
Rent affordable to SSI recipient
Kingston MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NY-174
 FY20 HOUSING AREA MEDIAN
New York WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW YORK Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

New York $32.53 $1,691 $67,653 2.8 $87,886 $2,197 $26,366 $659 3,373,181 46% $25.68 $1,335 1.3
Combined Nonmetro Areas $15.66 $814 $32,570 1.3 $67,525 $1,688 $20,258 $506 153,608 28% $11.50 $598 1.4

Metropolitan Areas
Albany-Schenectady-Troy MSA $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 126,087 36% $15.60 $811 1.3
Binghamton MSA $15.77 $820 $32,800 1.3 $76,900 $1,923 $23,070 $577 31,885 32% $11.37 $591 1.4
Buffalo-Cheektowaga-Niagara Falls MSA $16.21 $843 $33,720 1.4 $77,600 $1,940 $23,280 $582 161,948 34% $12.70 $661 1.3
Elmira MSA $16.13 $839 $33,560 1.4 $73,600 $1,840 $22,080 $552 11,024 32% $11.78 $612 1.4
Glens Falls MSA $18.38 $956 $38,240 1.6 $76,600 $1,915 $22,980 $575 14,508 28% $12.18 $634 1.5
Ithaca MSA $22.54 $1,172 $46,880 1.9 $85,600 $2,140 $25,680 $642 17,577 45% $14.62 $760 1.5
Kingston MSA $23.37 $1,215 $48,600 2.0 $83,700 $2,093 $25,110 $628 21,724 31% $10.81 $562 2.2
Nassau-Suffolk HMFA $38.31 $1,992 $79,680 3.2 $126,600 $3,165 $37,980 $950 183,300 20% $15.07 $783 2.5
New York HMFA $37.52 $1,951 $78,040 3.2 $79,709 $1,993 $23,913 $598 2,161,716 66% $37.20 $1,934 1.0
Poughkeepsie-Newburgh-Middletown HMFA $26.87 $1,397 $55,880 2.3 $102,300 $2,558 $30,690 $767 74,048 32% $12.49 $649 2.2
Rochester HMFA $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 139,932 33% $13.18 $685 1.4
Syracuse MSA $17.31 $900 $36,000 1.5 $75,800 $1,895 $22,740 $569 83,865 33% $13.28 $690 1.3
Utica-Rome MSA $15.19 $790 $31,600 1.3 $71,700 $1,793 $21,510 $538 36,480 32% $11.03 $574 1.4
Watertown-Fort Drum MSA $21.13 $1,099 $43,960 1.8 $59,500 $1,488 $17,850 $446 19,159 44% $14.26 $741 1.5
Westchester County Statutory Exception Area $37.98 $1,975 $79,000 3.2 $125,800 $3,145 $37,740 $944 134,443 39% $19.27 $1,002 2.0
Yates County HMFA $14.90 $775 $31,000 1.3 $70,600 $1,765 $21,180 $530 1,877 21% $8.48 $441 1.8

Counties
Albany County $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 54,755 43% $16.34 $850 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NY-175

 FY20 HOUSING AREA MEDIAN
New York WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW YORK Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Allegany County $13.73 $714 $28,560 1.2 $58,700 $1,468 $17,610 $440 4,476 25% $9.75 $507 1.4
Bronx County $37.52 $1,951 $78,040 2.5 $78,700 $1,968 $23,610 $590 401,745 80% $20.57 $1,070 1.8
Broome County $15.77 $820 $32,800 1.3 $76,900 $1,923 $23,070 $577 27,267 35% $11.07 $576 1.4
Cattaraugus County $13.77 $716 $28,640 1.2 $65,700 $1,643 $19,710 $493 8,975 29% $10.36 $539 1.3
Cayuga County $15.71 $817 $32,680 1.3 $71,100 $1,778 $21,330 $533 9,062 29% $11.64 $605 1.3
Chautauqua County $13.94 $725 $29,000 1.2 $58,600 $1,465 $17,580 $440 15,770 30% $9.54 $496 1.5
Chemung County $16.13 $839 $33,560 1.4 $73,600 $1,840 $22,080 $552 11,024 32% $11.78 $612 1.4
Chenango County $15.00 $780 $31,200 1.3 $63,900 $1,598 $19,170 $479 5,246 25% $12.29 $639 1.2
Clinton County $16.19 $842 $33,680 1.4 $76,800 $1,920 $23,040 $576 10,131 32% $12.13 $631 1.3
Columbia County $18.56 $965 $38,600 1.6 $81,300 $2,033 $24,390 $610 7,042 28% $10.68 $555 1.7
Cortland County $16.33 $849 $33,960 1.4 $72,300 $1,808 $21,690 $542 5,975 34% $11.28 $586 1.4
Delaware County $14.85 $772 $30,880 1.3 $64,300 $1,608 $19,290 $482 4,898 26% $11.04 $574 1.3
Dutchess County $26.87 $1,397 $55,880 2.3 $102,300 $2,558 $30,690 $767 33,538 31% $13.64 $709 2.0
Erie County $16.21 $843 $33,720 1.4 $77,600 $1,940 $23,280 $582 136,609 35% $13.13 $683 1.2
Essex County $16.60 $863 $34,520 1.4 $73,700 $1,843 $22,110 $553 3,762 24% $12.12 $630 1.4
Franklin County $14.31 $744 $29,760 1.2 $65,200 $1,630 $19,560 $489 5,259 28% $9.92 $516 1.4
Fulton County $15.67 $815 $32,600 1.3 $63,000 $1,575 $18,900 $473 6,403 29% $11.57 $602 1.4
Genesee County $15.77 $820 $32,800 1.3 $73,700 $1,843 $22,110 $553 6,480 27% $10.23 $532 1.5
Greene County $18.62 $968 $38,720 1.6 $73,800 $1,845 $22,140 $554 4,436 26% $8.66 $450 2.2
Hamilton County $16.27 $846 $33,840 1.4 $68,400 $1,710 $20,520 $513 161 14% $9.74 $506 1.7
Herkimer County $15.19 $790 $31,600 1.3 $71,700 $1,793 $21,510 $538 6,762 28% $11.37 $591 1.3
Jefferson County $21.13 $1,099 $43,960 1.8 $59,500 $1,488 $17,850 $446 19,159 44% $14.26 $741 1.5
Kings County $37.52 $1,951 $78,040 2.5 $78,700 $1,968 $23,610 $590 665,526 70% $17.01 $885 2.2
Lewis County $14.96 $778 $31,120 1.3 $65,600 $1,640 $19,680 $492 2,131 21% $10.95 $569 1.4
Livingston County $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 6,480 27% $8.78 $456 2.1
Madison County $17.31 $900 $36,000 1.5 $75,800 $1,895 $22,740 $569 6,061 23% $11.37 $591 1.5

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NY-176

 FY20 HOUSING AREA MEDIAN
New York WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW YORK Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Monroe County $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 109,037 36% $13.67 $711 1.4
Montgomery County $15.13 $787 $31,480 1.3 $62,600 $1,565 $18,780 $470 6,290 32% $11.02 $573 1.4
Nassau County $38.31 $1,992 $79,680 2.9 $126,600 $3,165 $37,980 $950 86,216 19% $15.22 $792 2.5
New York County $37.52 $1,951 $78,040 2.5 $78,700 $1,968 $23,610 $590 575,184 76% $51.82 $2,695 0.7
Niagara County $16.21 $843 $33,720 1.4 $77,600 $1,940 $23,280 $582 25,339 29% $9.86 $513 1.6
Oneida County $15.19 $790 $31,600 1.3 $71,700 $1,793 $21,510 $538 29,718 33% $10.98 $571 1.4
Onondaga County $17.31 $900 $36,000 1.5 $75,800 $1,895 $22,740 $569 65,276 35% $13.62 $708 1.3
Ontario County $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 11,647 26% $12.61 $656 1.5
Orange County $26.87 $1,397 $55,880 2.3 $102,300 $2,558 $30,690 $767 40,510 32% $11.58 $602 2.3
Orleans County $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 3,987 24% $9.78 $509 1.9
Oswego County $17.31 $900 $36,000 1.5 $75,800 $1,895 $22,740 $569 12,528 27% $11.76 $611 1.5
Otsego County $16.79 $873 $34,920 1.4 $68,100 $1,703 $20,430 $511 6,382 27% $12.27 $638 1.4
Putnam County $37.52 $1,951 $78,040 3.2 $78,700 $1,968 $23,610 $590 6,129 18% $12.45 $647 3.0
Queens County $37.52 $1,951 $78,040 2.5 $78,700 $1,968 $23,610 $590 431,495 55% $20.47 $1,064 1.8
Rensselaer County $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 23,855 37% $14.04 $730 1.4
Richmond County $37.52 $1,951 $78,040 2.5 $78,700 $1,968 $23,610 $590 50,313 30% $11.66 $606 3.2
Rockland County $37.52 $1,951 $78,040 3.2 $111,900 $2,798 $33,570 $839 31,324 31% $11.53 $600 3.3
St. Lawrence County $15.96 $830 $33,200 1.4 $60,500 $1,513 $18,150 $454 11,486 28% $11.29 $587 1.4
Saratoga County $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 26,493 28% $16.22 $844 1.2
Schenectady County $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 17,840 33% $14.06 $731 1.4
Schoharie County $20.27 $1,054 $42,160 1.7 $99,200 $2,480 $29,760 $744 3,144 25% $11.02 $573 1.8
Schuyler County $14.19 $738 $29,520 1.2 $66,700 $1,668 $20,010 $500 1,620 22% $11.70 $609 1.2
Seneca County $15.92 $828 $33,120 1.3 $69,700 $1,743 $20,910 $523 3,519 26% $11.76 $612 1.4
Steuben County $14.62 $760 $30,400 1.2 $64,600 $1,615 $19,380 $485 11,342 28% $17.57 $914 0.8
Suffolk County $38.31 $1,992 $79,680 2.9 $126,600 $3,165 $37,980 $950 97,084 20% $14.91 $775 2.6
Sullivan County $19.23 $1,000 $40,000 1.6 $75,500 $1,888 $22,650 $566 9,018 32% $11.61 $604 1.7

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NY-177

 FY20 HOUSING AREA MEDIAN
New York WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NEW YORK Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Tioga County $15.77 $820 $32,800 1.3 $76,900 $1,923 $23,070 $577 4,618 23% $13.29 $691 1.2
Tompkins County $22.54 $1,172 $46,880 1.9 $85,600 $2,140 $25,680 $642 17,577 45% $14.62 $760 1.5
Ulster County $23.37 $1,215 $48,600 2.0 $83,700 $2,093 $25,110 $628 21,724 31% $10.81 $562 2.2
Warren County $18.38 $956 $38,240 1.6 $76,600 $1,915 $22,980 $575 8,006 29% $12.09 $628 1.5
Washington County $18.38 $956 $38,240 1.6 $76,600 $1,915 $22,980 $575 6,502 27% $12.51 $650 1.5
Wayne County $18.69 $972 $38,880 1.6 $76,400 $1,910 $22,920 $573 8,781 24% $10.75 $559 1.7
Westchester County $37.98 $1,975 $79,000 2.9 $125,800 $3,145 $37,740 $944 134,443 39% $19.27 $1,002 2.0
Wyoming County $14.19 $738 $29,520 1.2 $70,700 $1,768 $21,210 $530 3,744 24% $10.17 $529 1.4
Yates County $14.90 $775 $31,000 1.3 $70,600 $1,765 $21,180 $530 1,877 21% $8.48 $441 1.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NY-178

 NORTH CAROLINA STATE
RANKING #28*
In North Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment
is $919. In order to afford this level of rent and utilities — without paying $17.67
more than 30% of income on housing — a household must earn $3,063 monthly PER HOUR
or $36,751 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NORTH CAROLINA:

STATE FACTS 97
Work Hours Per Week At
82
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.92
2-Bedroom Housing Wage $17.67
2.4 2
Number of Renter Households 1,369,892 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 35%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $919
$773
$24.13
One bedroom FMR
Asheville HMFA
Rent affordable at area $1785
$22.37
median income (AMI)
Raleigh MSA Rent affordable with full-time
job paying mean renter wage
$828
Currituck County $21.85 Rent affordable at 30% of AMI $535

$20.92 $377
Rent affordable with full-time job
Durham-Chapel Hill HMFA paying minimum wage

$235
$20.63
Rent affordable to SSI recipient
Camden County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-179
 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

North Carolina $17.67 $919 $36,751 2.4 $71,385 $1,785 $21,415 $535 1,369,892 35% $15.92 $828 1.1
Combined Nonmetro Areas $13.84 $720 $28,786 1.9 $56,514 $1,413 $16,954 $424 265,922 31% $11.21 $583 1.2

Metropolitan Areas
Asheville HMFA $24.13 $1,255 $50,200 3.3 $72,500 $1,813 $21,750 $544 54,419 33% $13.71 $713 1.8
Brunswick County HMFA $16.25 $845 $33,800 2.2 $71,600 $1,790 $21,480 $537 11,369 21% $11.14 $579 1.5
Burlington MSA $16.29 $847 $33,880 2.2 $64,200 $1,605 $19,260 $482 22,391 35% $13.69 $712 1.2
Charlotte-Concord-Gastonia HMFA $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 238,386 38% $20.76 $1,080 1.0
Craven County HMFA $17.87 $929 $37,160 2.5 $66,200 $1,655 $19,860 $497 15,327 38% $13.45 $700 1.3
Davidson County HMFA $13.37 $695 $27,800 1.8 $59,300 $1,483 $17,790 $445 19,566 30% $12.76 $664 1.0
Durham-Chapel Hill HMFA $20.92 $1,088 $43,520 2.9 $90,900 $2,273 $27,270 $682 83,765 41% $20.73 $1,078 1.0
Fayetteville HMFA $16.42 $854 $34,160 2.3 $58,000 $1,450 $17,400 $435 61,023 49% $13.47 $700 1.2
Gates County HMFA $13.40 $697 $27,880 1.8 $68,000 $1,700 $20,400 $510 972 22% $12.22 $635 1.1
Goldsboro MSA $15.62 $812 $32,480 2.2 $54,100 $1,353 $16,230 $406 18,527 38% $11.78 $613 1.3
Greensboro-High Point HMFA $16.12 $838 $33,520 2.2 $66,600 $1,665 $19,980 $500 99,063 38% $14.91 $776 1.1
Greenville MSA $14.90 $775 $31,000 2.1 $66,700 $1,668 $20,010 $500 32,937 48% $12.00 $624 1.2
Haywood County HMFA $17.65 $918 $36,720 2.4 $60,400 $1,510 $18,120 $453 7,398 28% $10.37 $539 1.7
Hickory-Lenoir-Morganton MSA $13.69 $712 $28,480 1.9 $61,000 $1,525 $18,300 $458 41,022 29% $12.87 $669 1.1
Hoke County HMFA $13.87 $721 $28,840 1.9 $54,800 $1,370 $16,440 $411 5,734 32% $11.29 $587 1.2
Iredell County HMFA $16.85 $876 $35,040 2.3 $73,100 $1,828 $21,930 $548 18,338 28% $15.46 $804 1.1
Jacksonville MSA $17.69 $920 $36,800 2.4 $57,700 $1,443 $17,310 $433 30,257 47% $12.18 $634 1.5
Jones County HMFA $12.90 $671 $26,840 1.8 $50,100 $1,253 $15,030 $376 1,125 27% $11.47 $596 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-180

 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lincoln County HMFA $15.38 $800 $32,000 2.1 $65,500 $1,638 $19,650 $491 7,547 24% $12.02 $625 1.3
Pamlico County HMFA $14.58 $758 $30,320 2.0 $60,400 $1,510 $18,120 $453 1,332 25% $9.14 $475 1.6
Pender County HMFA $14.56 $757 $30,280 2.0 $67,900 $1,698 $20,370 $509 4,246 20% $9.59 $499 1.5
Person County HMFA $13.90 $723 $28,920 1.9 $61,800 $1,545 $18,540 $464 3,910 25% $9.38 $488 1.5
Raleigh MSA $22.37 $1,163 $46,520 3.1 $94,100 $2,353 $28,230 $706 166,642 35% $17.96 $934 1.2
Rockingham County HMFA $13.02 $677 $27,080 1.8 $61,700 $1,543 $18,510 $463 11,506 31% $10.49 $545 1.2
Rocky Mount MSA $14.48 $753 $30,120 2.0 $57,700 $1,443 $17,310 $433 21,290 37% $11.70 $608 1.2
Rowan County HMFA $16.19 $842 $33,680 2.2 $64,400 $1,610 $19,320 $483 16,178 31% $14.50 $754 1.1
Virginia Beach-Norfolk-Newport News HMFA $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 1,764 17% $10.02 $521 2.2
Wilmington HMFA $18.58 $966 $38,640 2.6 $81,000 $2,025 $24,300 $608 40,064 43% $13.12 $682 1.4
Winston-Salem HMFA $14.67 $763 $30,520 2.0 $68,600 $1,715 $20,580 $515 67,872 34% $14.88 $774 1.0

Counties
Alamance County $16.29 $847 $33,880 2.2 $64,200 $1,605 $19,260 $482 22,391 35% $13.69 $712 1.2
Alexander County $13.69 $712 $28,480 1.9 $61,000 $1,525 $18,300 $458 3,388 25% $9.82 $511 1.4
Alleghany County $12.90 $671 $26,840 1.8 $47,900 $1,198 $14,370 $359 1,185 25% $9.75 $507 1.3
Anson County $12.90 $671 $26,840 1.8 $49,100 $1,228 $14,730 $368 3,146 33% $11.44 $595 1.1
Ashe County $12.90 $671 $26,840 1.8 $52,900 $1,323 $15,870 $397 2,930 25% $11.29 $587 1.1
Avery County $14.25 $741 $29,640 2.0 $48,600 $1,215 $14,580 $365 1,669 25% $10.65 $554 1.3
Beaufort County $12.90 $671 $26,840 1.8 $58,300 $1,458 $17,490 $437 5,711 30% $9.47 $492 1.4
Bertie County $12.90 $671 $26,840 1.8 $45,000 $1,125 $13,500 $338 2,004 25% $10.68 $555 1.2
Bladen County $12.90 $671 $26,840 1.8 $48,600 $1,215 $14,580 $365 4,082 29% $11.90 $619 1.1
Brunswick County $16.25 $845 $33,800 2.2 $71,600 $1,790 $21,480 $537 11,369 21% $11.14 $579 1.5
Buncombe County $24.13 $1,255 $50,200 3.3 $72,500 $1,813 $21,750 $544 38,821 36% $14.29 $743 1.7

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-181

 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Burke County $13.69 $712 $28,480 1.9 $61,000 $1,525 $18,300 $458 9,600 28% $10.68 $555 1.3
Cabarrus County $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 20,629 29% $12.11 $629 1.7
Caldwell County $13.69 $712 $28,480 1.9 $61,000 $1,525 $18,300 $458 9,352 29% $12.54 $652 1.1
Camden County $20.63 $1,073 $42,920 2.8 $78,200 $1,955 $23,460 $587 748 19% $11.55 $601 1.8
Carteret County $15.90 $827 $33,080 2.2 $68,900 $1,723 $20,670 $517 8,255 28% $10.55 $549 1.5
Caswell County $12.90 $671 $26,840 1.8 $54,000 $1,350 $16,200 $405 1,930 21% $8.19 $426 1.6
Catawba County $13.69 $712 $28,480 1.9 $61,000 $1,525 $18,300 $458 18,682 31% $13.86 $721 1.0
Chatham County $20.92 $1,088 $43,520 2.9 $90,900 $2,273 $27,270 $682 6,710 24% $9.37 $487 2.2
Cherokee County $13.08 $680 $27,200 1.8 $51,100 $1,278 $15,330 $383 2,359 20% $10.69 $556 1.2
Chowan County $15.12 $786 $31,440 2.1 $52,300 $1,308 $15,690 $392 1,840 31% $10.63 $553 1.4
Clay County $14.50 $754 $30,160 2.0 $50,100 $1,253 $15,030 $376 1,207 24% $13.01 $676 1.1
Cleveland County $12.94 $673 $26,920 1.8 $52,300 $1,308 $15,690 $392 11,982 32% $12.33 $641 1.1
Columbus County $12.90 $671 $26,840 1.8 $49,600 $1,240 $14,880 $372 6,265 28% $9.72 $505 1.3
Craven County $17.87 $929 $37,160 2.5 $66,200 $1,655 $19,860 $497 15,327 38% $13.45 $700 1.3
Cumberland County $16.42 $854 $34,160 2.3 $58,000 $1,450 $17,400 $435 61,023 49% $13.47 $700 1.2
Currituck County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 1,764 17% $10.02 $521 2.2
Dare County $18.02 $937 $37,480 2.5 $69,400 $1,735 $20,820 $521 4,492 29% $11.11 $578 1.6
Davidson County $13.37 $695 $27,800 1.8 $59,300 $1,483 $17,790 $445 19,566 30% $12.76 $664 1.0
Davie County $14.67 $763 $30,520 2.0 $68,600 $1,715 $20,580 $515 3,555 22% $9.96 $518 1.5
Duplin County $12.90 $671 $26,840 1.8 $46,400 $1,160 $13,920 $348 6,529 30% $10.84 $564 1.2
Durham County $20.92 $1,088 $43,520 2.9 $90,900 $2,273 $27,270 $682 57,065 46% $22.80 $1,185 0.9
Edgecombe County $14.48 $753 $30,120 2.0 $57,700 $1,443 $17,310 $433 8,684 41% $11.76 $611 1.2
Forsyth County $14.67 $763 $30,520 2.0 $68,600 $1,715 $20,580 $515 56,412 38% $15.67 $815 0.9
Franklin County $22.37 $1,163 $46,520 3.1 $94,100 $2,353 $28,230 $706 6,612 27% $14.06 $731 1.6
Gaston County $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 27,461 34% $12.67 $659 1.6
Gates County $13.40 $697 $27,880 1.8 $68,000 $1,700 $20,400 $510 972 22% $12.22 $635 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-182

 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Graham County $12.90 $671 $26,840 1.8 $49,400 $1,235 $14,820 $371 527 16% $7.96 $414 1.6
Granville County $15.73 $818 $32,720 2.2 $65,300 $1,633 $19,590 $490 5,545 26% $10.55 $548 1.5
Greene County $12.90 $671 $26,840 1.8 $54,100 $1,353 $16,230 $406 2,129 29% $8.65 $450 1.5
Guilford County $16.12 $838 $33,520 2.2 $66,600 $1,665 $19,980 $500 83,282 41% $15.44 $803 1.0
Halifax County $13.85 $720 $28,800 1.9 $45,200 $1,130 $13,560 $339 7,883 37% $10.36 $539 1.3
Harnett County $15.10 $785 $31,400 2.1 $64,800 $1,620 $19,440 $486 16,009 36% $11.35 $590 1.3
Haywood County $17.65 $918 $36,720 2.4 $60,400 $1,510 $18,120 $453 7,398 28% $10.37 $539 1.7
Henderson County $24.13 $1,255 $50,200 3.3 $72,500 $1,813 $21,750 $544 13,279 28% $11.95 $621 2.0
Hertford County $14.33 $745 $29,800 2.0 $46,100 $1,153 $13,830 $346 2,926 33% $12.23 $636 1.2
Hoke County $13.87 $721 $28,840 1.9 $54,800 $1,370 $16,440 $411 5,734 32% $11.29 $587 1.2
$15.73 $818 $32,720 2.2 $58,100 $1,453 $17,430 $436 565 32%
Iredell County $16.85 $876 $35,040 2.3 $73,100 $1,828 $21,930 $548 18,338 28% $15.46 $804 1.1
Jackson County $13.33 $693 $27,720 1.8 $60,700 $1,518 $18,210 $455 5,902 35% $10.36 $539 1.3
Johnston County $22.37 $1,163 $46,520 3.1 $94,100 $2,353 $28,230 $706 19,090 28% $11.77 $612 1.9
Jones County $12.90 $671 $26,840 1.8 $50,100 $1,253 $15,030 $376 1,125 27% $11.47 $596 1.1
Lee County $14.08 $732 $29,280 1.9 $62,100 $1,553 $18,630 $466 7,255 33% $14.12 $734 1.0
Lenoir County $13.85 $720 $28,800 1.9 $51,300 $1,283 $15,390 $385 9,382 41% $12.61 $656 1.1
Lincoln County $15.38 $800 $32,000 2.1 $65,500 $1,638 $19,650 $491 7,547 24% $12.02 $625 1.3
McDowell County $12.90 $671 $26,840 1.8 $49,100 $1,228 $14,730 $368 5,059 28% $12.73 $662 1.0
Macon County $14.35 $746 $29,840 2.0 $54,300 $1,358 $16,290 $407 4,277 27% $11.89 $618 1.2
Madison County $24.13 $1,255 $50,200 3.3 $72,500 $1,813 $21,750 $544 2,319 27% $10.17 $529 2.4
Martin County $12.90 $671 $26,840 1.8 $46,500 $1,163 $13,950 $349 2,865 30% $10.23 $532 1.3
Mecklenburg County $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 175,647 44% $23.26 $1,209 0.9
Mitchell County $12.90 $671 $26,840 1.8 $56,400 $1,410 $16,920 $423 1,252 20% $11.83 $615 1.1
Montgomery County $12.90 $671 $26,840 1.8 $53,900 $1,348 $16,170 $404 2,847 27% $9.79 $509 1.3
Moore County $15.54 $808 $32,320 2.1 $88,200 $2,205 $26,460 $662 9,612 25% $12.49 $650 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-183

 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Nash County $14.48 $753 $30,120 2.0 $57,700 $1,443 $17,310 $433 12,606 34% $11.67 $607 1.2
New Hanover County $18.58 $966 $38,640 2.6 $81,000 $2,025 $24,300 $608 40,064 43% $13.12 $682 1.4
Northampton County $12.90 $671 $26,840 1.8 $43,700 $1,093 $13,110 $328 2,671 31% $11.40 $593 1.1
Onslow County $17.69 $920 $36,800 2.4 $57,700 $1,443 $17,310 $433 30,257 47% $12.18 $634 1.5
Orange County $20.92 $1,088 $43,520 2.9 $90,900 $2,273 $27,270 $682 19,990 38% $14.16 $737 1.5
Pamlico County $14.58 $758 $30,320 2.0 $60,400 $1,510 $18,120 $453 1,332 25% $9.14 $475 1.6
Pasquotank County $15.15 $788 $31,520 2.1 $66,200 $1,655 $19,860 $497 5,760 39% $10.76 $559 1.4
Pender County $14.56 $757 $30,280 2.0 $67,900 $1,698 $20,370 $509 4,246 20% $9.59 $499 1.5
Perquimans County $15.77 $820 $32,800 2.2 $53,300 $1,333 $15,990 $400 1,531 26% $8.24 $429 1.9
Person County $13.90 $723 $28,920 1.9 $61,800 $1,545 $18,540 $464 3,910 25% $9.38 $488 1.5
Pitt County $14.90 $775 $31,000 2.1 $66,700 $1,668 $20,010 $500 32,937 48% $12.00 $624 1.2
Polk County $14.35 $746 $29,840 2.0 $60,600 $1,515 $18,180 $455 2,409 27% $11.18 $582 1.3
Randolph County $16.12 $838 $33,520 2.2 $66,600 $1,665 $19,980 $500 15,781 28% $11.51 $598 1.4
Richmond County $12.90 $671 $26,840 1.8 $43,300 $1,083 $12,990 $325 6,286 34% $9.84 $512 1.3
Robeson County $12.90 $671 $26,840 1.8 $46,200 $1,155 $13,860 $347 16,092 35% $10.57 $550 1.2
Rockingham County $13.02 $677 $27,080 1.8 $61,700 $1,543 $18,510 $463 11,506 31% $10.49 $545 1.2
Rowan County $16.19 $842 $33,680 2.2 $64,400 $1,610 $19,320 $483 16,178 31% $14.50 $754 1.1
Rutherford County $12.90 $671 $26,840 1.8 $55,800 $1,395 $16,740 $419 7,558 29% $11.23 $584 1.1
Sampson County $12.90 $671 $26,840 1.8 $49,300 $1,233 $14,790 $370 7,346 31% $10.75 $559 1.2
Scotland County $12.90 $671 $26,840 1.8 $44,000 $1,100 $13,200 $330 5,079 39% $8.81 $458 1.5
Stanly County $12.90 $671 $26,840 1.8 $60,700 $1,518 $18,210 $455 6,282 26% $10.38 $540 1.2
Stokes County $14.67 $763 $30,520 2.0 $68,600 $1,715 $20,580 $515 4,305 22% $7.66 $399 1.9
Surry County $12.90 $671 $26,840 1.8 $59,800 $1,495 $17,940 $449 8,052 28% $11.72 $609 1.1
Swain County $12.90 $671 $26,840 1.8 $47,700 $1,193 $14,310 $358 1,556 29% $11.80 $614 1.1
Transylvania County $13.10 $681 $27,240 1.8 $56,700 $1,418 $17,010 $425 3,277 23% $10.33 $537 1.3
Tyrrell County $13.04 $678 $27,120 1.8 $42,900 $1,073 $12,870 $322 460 28% $10.64 $553 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-184

 FY20 HOUSING AREA MEDIAN
North Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2 BR Ann u4al afforda bl5e 30% households ouseholds
FMR BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3
AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Union County $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 14,649 19% $12.10 $629 1.7
Vance County $12.90 $671 $26,840 1.8 $48,100 $1,203 $14,430 $361 6,793 40% $11.09 $577 1.2
Wake County $22.37 $1,163 $46,520 3.1 $94,100 $2,353 $28,230 $706 140,940 36% $18.54 $964 1.2
Warren County $12.90 $671 $26,840 1.8 $51,100 $1,278 $15,330 $383 2,137 27% $8.30 $432 1.6
Washington County $12.90 $671 $26,840 1.8 $50,800 $1,270 $15,240 $381 1,865 37% $12.78 $664 1.0
Watauga County $16.63 $865 $34,600 2.3 $69,400 $1,735 $20,820 $521 8,010 39% $7.34 $382 2.3
Wayne County $15.62 $812 $32,480 2.2 $54,100 $1,353 $16,230 $406 18,527 38% $11.78 $613 1.3
Wilkes County $12.90 $671 $26,840 1.8 $53,700 $1,343 $16,110 $403 7,319 26% $10.00 $520 1.3
Wilson County $14.38 $748 $29,920 2.0 $61,000 $1,525 $18,300 $458 13,164 41% $13.92 $724 1.0
Yadkin County $14.67 $763 $30,520 2.0 $68,600 $1,715 $20,580 $515 3,600 23% $10.52 $547 1.4
Yancey County $12.90 $671 $26,840 1.8 $53,400 $1,335 $16,020 $401 1,906 26% $9.96 $518 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION NC-185

 NORTH DAKOTA STATE
RANKING #41*
In North Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment
is $841. In order to afford this level of rent and utilities — without paying $16.18
more than 30% of income on housing — a household must earn $2,804 monthly PER HOUR
or $33,647 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT NORTH DAKOTA:

STATE FACTS 89
Work Hours Per Week At
71
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $17.12
2-Bedroom Housing Wage $16.18
2.2 1.8
Number of Renter Households 117,556 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 37%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $841
$666
$21.67
One bedroom FMR
Dunn County
Rent affordable at area $2217
$19.85
median income (AMI)
McKenzie County Rent affordable with full-time job paying
mean renter wage
$890
Ward County $18.69 Rent affordable at 30% of AMI $665

$17.69 $377
Rent affordable with full-time job
Stark County paying minimum wage

$235
$17.48
Rent affordable to SSI recipient
Williams County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ND-186
 FY20 HOUSING AREA MEDIAN
North Da kota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford Annual affordable 30% atat 30% nte r wage aatt m mean wageafford
affo2rBR¹
d 2 BFMR²R
1 2 BR o a ff ord Ann u4al afforda bl5e 30% 30% h ohouseholds
useholds hhouseholds
ouseholds rewage ean needed to
FMR 2 BMR
BR F MFMRR 2BR 2 BFMR³
R F MR 3 AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2 0 2 0 ) renter
(2020) wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

North Dakota $16.18 $841 $33,647 2.2 $88,698 $2,217 $26,610 $665 117,556 37% $17.12 $890 0.9
Combined Nonmetro Areas $16.03 $834 $33,350 2.2 $86,092 $2,152 $25,828 $646 49,865 32% $19.76 $1,027 0.8

Metropolitan Areas
Bismarck HMFA $17.15 $892 $35,680 2.4 $96,000 $2,400 $28,800 $720 16,452 31% $14.61 $760 1.2
Fargo MSA $16.04 $834 $33,360 2.2 $89,400 $2,235 $26,820 $671 34,998 47% $15.71 $817 1.0
Grand Forks MSA $16.00 $832 $33,280 2.2 $89,200 $2,230 $26,760 $669 15,540 51% $13.51 $702 1.2
$17.06 $887 $35,480 2.4 $88,800 $2,220 $26,640 $666 93 12%
Sioux County HMFA $13.73 $714 $28,560 1.9 $44,600 $1,115 $13,380 $335 608 55% $10.72 $558 1.3

Counties
Adams County $13.73 $714 $28,560 1.9 $78,400 $1,960 $23,520 $588 288 28% $18.40 $957 0.7
Barnes County $13.81 $718 $28,720 1.9 $80,700 $2,018 $24,210 $605 1,585 31% $10.89 $566 1.3
Benson County $13.73 $714 $28,560 1.9 $52,600 $1,315 $15,780 $395 793 35% $10.09 $525 1.4
Billings County $14.27 $742 $29,680 2.0 $107,700 $2,693 $32,310 $808 103 27% $13.18 $686 1.1
Bottineau County $13.73 $714 $28,560 1.9 $79,700 $1,993 $23,910 $598 665 22% $13.40 $697 1.0
Bowman County $13.73 $714 $28,560 1.9 $99,400 $2,485 $29,820 $746 355 25% $13.63 $709 1.0
Burke County $16.58 $862 $34,480 2.3 $89,800 $2,245 $26,940 $674 183 21% $17.39 $904 1.0
Burleigh County $17.15 $892 $35,680 2.4 $96,000 $2,400 $28,800 $720 12,456 32% $14.35 $746 1.2
Cass County $16.04 $834 $33,360 2.2 $89,400 $2,235 $26,820 $671 34,998 47% $15.71 $817 1.0
Cavalier County $13.73 $714 $28,560 1.9 $85,500 $2,138 $25,650 $641 335 19% $16.23 $844 0.8
Dickey County $13.73 $714 $28,560 1.9 $77,500 $1,938 $23,250 $581 609 28% $12.56 $653 1.1
Divide County $13.73 $714 $28,560 1.9 $93,300 $2,333 $27,990 $700 274 24% $24.66 $1,282 0.6
Dunn County $21.67 $1,127 $45,080 3.0 $92,000 $2,300 $27,600 $690 367 22% $30.49 $1,585 0.7
Eddy County $13.73 $714 $28,560 1.9 $76,600 $1,915 $22,980 $575 327 31% $8.68 $451 1.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ND-187

 FY20 HOUSING AREA MEDIAN
North Da kota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford Annual affordable 30% atat 30% nte r wage aatt m mean wageafford
affo2rBR¹
d 2 BFMR²R
1 2 BR o a ff ord Ann u4al afforda bl5e 30% 30% h ohouseholds
useholds hhouseholds
ouseholds rewage ean needed to
FMR 2 BMR
BR F MFMRR 2BR 2 BFMR³
R F MR 3 AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2 0 2 0 ) renter
(2020) wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Emmons County $13.73 $714 $28,560 1.9 $64,000 $1,600 $19,200 $480 262 17% $13.46 $700 1.0
Foster County $13.73 $714 $28,560 1.9 $77,700 $1,943 $23,310 $583 336 23% $11.93 $620 1.2
Golden Valley County $16.62 $864 $34,560 2.3 $78,600 $1,965 $23,580 $590 277 32% $12.56 $653 1.3
Grand Forks County $16.00 $832 $33,280 2.2 $89,200 $2,230 $26,760 $669 15,540 51% $13.51 $702 1.2
Grant County $13.73 $714 $28,560 1.9 $75,800 $1,895 $22,740 $569 151 14% $9.20 $478 1.5
Griggs County $13.73 $714 $28,560 1.9 $79,300 $1,983 $23,790 $595 289 27% $11.78 $612 1.2
Hettinger County $14.27 $742 $29,680 2.0 $79,400 $1,985 $23,820 $596 210 19% $12.68 $660 1.1
Kidder County $13.73 $714 $28,560 1.9 $66,400 $1,660 $19,920 $498 278 26% $11.33 $589 1.2
LaMoure County $13.73 $714 $28,560 1.9 $78,500 $1,963 $23,550 $589 456 25% $12.37 $643 1.1
Logan County $13.73 $714 $28,560 1.9 $77,700 $1,943 $23,310 $583 140 16% $9.95 $517 1.4
McHenry County $13.73 $714 $28,560 1.9 $90,800 $2,270 $27,240 $681 404 15% $13.35 $694 1.0
McIntosh County $13.73 $714 $28,560 1.9 $63,600 $1,590 $19,080 $477 314 24% $13.01 $677 1.1
McKenzie County $19.85 $1,032 $41,280 2.7 $99,000 $2,475 $29,700 $743 1,729 44% $35.17 $1,829 0.6
McLean County $13.73 $714 $28,560 1.9 $83,000 $2,075 $24,900 $623 836 19% $19.62 $1,020 0.7
Mercer County $14.69 $764 $30,560 2.0 $98,400 $2,460 $29,520 $738 642 17% $18.16 $944 0.8
Morton County $17.15 $892 $35,680 2.4 $96,000 $2,400 $28,800 $720 3,996 30% $15.83 $823 1.1
Mountrail County $15.94 $829 $33,160 2.2 $91,700 $2,293 $27,510 $688 1,038 32% $25.09 $1,304 0.6
Nelson County $13.73 $714 $28,560 1.9 $74,900 $1,873 $22,470 $562 413 28% $11.35 $590 1.2
$17.06 $887 $35,480 2.4 $88,800 $2,220 $26,640 $666 93 12%
Pembina County $13.73 $714 $28,560 1.9 $82,700 $2,068 $24,810 $620 733 23% $12.11 $630 1.1
Pierce County $13.73 $714 $28,560 1.9 $59,700 $1,493 $17,910 $448 542 28% $10.33 $537 1.3
Ramsey County $13.73 $714 $28,560 1.9 $85,900 $2,148 $25,770 $644 1,976 39% $11.11 $578 1.2
Ransom County $13.73 $714 $28,560 1.9 $77,300 $1,933 $23,190 $580 699 30% $11.24 $584 1.2
Renville County $13.73 $714 $28,560 1.9 $82,300 $2,058 $24,690 $617 194 19% $12.39 $644 1.1
Richland County $13.73 $714 $28,560 1.9 $80,700 $2,018 $24,210 $605 1,924 28% $10.38 $540 1.3
Rolette County $13.73 $714 $28,560 1.9 $47,400 $1,185 $14,220 $356 1,356 29% $8.26 $430 1.7

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ND-188

 FY20 HOUSING AREA MEDIAN
North Da kota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
NORTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly
M onth ly rrent
ent affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford Annual affordable 30% atat 30% nte r wage aatt m mean wageafford
affo2rBR¹
d 2 BFMR²R
1 2 BR o a ff ord Ann u4al afforda bl5e 30% 30% h ohouseholds
useholds hhouseholds
ouseholds rewage ean needed to
FMR 2 BMR
BR F MFMRR 2BR 2 BFMR³
R F MR 3 AMI 4 at AMI 5 of AMI ofofAMIAMI (2014-2018) (2014-2018) (2 0 2 0 ) renter
(2020) wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Sargent County $13.73 $714 $28,560 1.9 $87,700 $2,193 $26,310 $658 509 28% $17.29 $899 0.8
Sheridan County $14.27 $742 $29,680 2.0 $63,500 $1,588 $19,050 $476 137 20% $5.71 $297 2.5
Sioux County $13.73 $714 $28,560 1.9 $44,600 $1,115 $13,380 $335 608 55% $10.72 $558 1.3
$14.27 $742 $29,680 2.0 $84,000 $2,100 $25,200 $630 61 19%
Stark County $17.69 $920 $36,800 2.4 $104,300 $2,608 $31,290 $782 4,587 38% $21.84 $1,136 0.8
Steele County $13.73 $714 $28,560 1.9 $93,100 $2,328 $27,930 $698 138 15% $19.79 $1,029 0.7
Stutsman County $13.73 $714 $28,560 1.9 $78,900 $1,973 $23,670 $592 3,236 36% $13.28 $691 1.0
Towner County $13.73 $714 $28,560 1.9 $77,800 $1,945 $23,340 $584 244 24% $14.40 $749 1.0
Traill County $13.73 $714 $28,560 1.9 $88,400 $2,210 $26,520 $663 937 28% $10.88 $566 1.3
Walsh County $13.73 $714 $28,560 1.9 $68,500 $1,713 $20,550 $514 1,145 24% $11.88 $618 1.2
Ward County $18.69 $972 $38,880 2.6 $90,900 $2,273 $27,270 $682 10,996 40% $17.67 $919 1.1
Wells County $13.73 $714 $28,560 1.9 $77,400 $1,935 $23,220 $581 398 20% $9.44 $491 1.5
Williams County $17.48 $909 $36,360 2.4 $107,400 $2,685 $32,220 $806 6,394 47% $31.01 $1,613 0.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION ND-189

 OHIO #43* STATE
RANKING

In Ohio, the Fair Market Rent (FMR) for a two-bedroom apartment is $832.
In order to afford this level of rent and utilities — without paying more than $15.99
30% of income on housing — a household must earn $2,772 monthly or PER HOUR
$33,267 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT OHIO:

STATE FACTS 74
Work Hours Per Week At
58
Work Hours Per Week At
Minimum Wage $8.70 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.42
2-Bedroom Housing Wage $15.99
1.8 1.5
Number of Renter Households 1,582,848 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $832
$656
$19.08
One bedroom FMR
Columbus HMFA
Rent affordable at area $1864
$19.02
median income (AMI)
Union County Rent affordable with full-time
job paying mean renter wage
$750
Cincinnati HMFA $16.63 Rent affordable at 30% of AMI $559

$16.33 $452
Rent affordable with full-time job
Cleveland-Elyria MSA paying minimum wage

$235
$16.29
Rent affordable to SSI recipient
Akron MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-190
 FY20 HOUSING AREA MEDIAN
Ohio WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OHIO Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Ohio $15.99 $832 $33,267 1.8 $74,544 $1,864 $22,363 $559 1,582,848 34% $14.42 $750 1.1
Combined Nonmetro Areas $13.80 $718 $28,706 1.6 $64,244 $1,606 $19,273 $482 263,120 28% $12.43 $646 1.1

Metropolitan Areas
Akron MSA $16.29 $847 $33,880 1.9 $76,300 $1,908 $22,890 $572 95,709 33% $13.51 $703 1.2
Brown County HMFA $13.71 $713 $28,520 1.6 $60,200 $1,505 $18,060 $452 4,551 26% $9.39 $488 1.5
Canton-Massillon MSA $14.67 $763 $30,520 1.7 $69,500 $1,738 $20,850 $521 50,937 31% $12.03 $625 1.2
Cincinnati HMFA $16.63 $865 $34,600 1.9 $86,300 $2,158 $25,890 $647 225,548 35% $15.70 $816 1.1
Cleveland-Elyria MSA $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 300,376 35% $15.36 $799 1.1
Columbus HMFA $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 292,189 39% $16.40 $853 1.2
Dayton MSA $14.94 $777 $31,080 1.7 $72,800 $1,820 $21,840 $546 121,687 37% $13.84 $719 1.1
Hocking County HMFA $13.38 $696 $27,840 1.5 $64,300 $1,608 $19,290 $482 2,724 24% $8.31 $432 1.6
Huntington-Ashland HMFA $15.54 $808 $32,320 1.8 $59,100 $1,478 $17,730 $443 6,693 28% $10.30 $536 1.5
Lima MSA $13.69 $712 $28,480 1.6 $67,100 $1,678 $20,130 $503 13,585 34% $11.91 $619 1.1
Mansfield MSA $13.38 $696 $27,840 1.5 $66,300 $1,658 $19,890 $497 15,382 32% $12.00 $624 1.1
Perry County HMFA $14.02 $729 $29,160 1.6 $56,600 $1,415 $16,980 $425 3,486 26% $10.49 $546 1.3
Springfield MSA $14.63 $761 $30,440 1.7 $61,100 $1,528 $18,330 $458 19,226 35% $12.56 $653 1.2
Toledo MSA $14.75 $767 $30,680 1.7 $71,900 $1,798 $21,570 $539 92,659 38% $13.53 $704 1.1
Union County HMFA $19.02 $989 $39,560 2.2 $95,600 $2,390 $28,680 $717 4,435 23% $16.44 $855 1.2
Weirton-Steubenville MSA $13.38 $696 $27,840 1.5 $62,400 $1,560 $18,720 $468 8,442 31% $10.74 $559 1.2
Wheeling MSA $14.17 $737 $29,480 1.6 $68,900 $1,723 $20,670 $517 6,179 24% $11.00 $572 1.3
Youngstown-Warren-Boardman HMFA $13.46 $700 $28,000 1.5 $60,700 $1,518 $18,210 $455 55,920 30% $11.07 $575 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-191

 FY20 HOUSING AREA MEDIAN
Ohio WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OHIO Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Counties
Adams County $13.38 $696 $27,840 1.5 $47,500 $1,188 $14,250 $356 3,337 31% $8.57 $445 1.6
Allen County $13.69 $712 $28,480 1.6 $67,100 $1,678 $20,130 $503 13,585 34% $11.91 $619 1.1
Ashland County $13.38 $696 $27,840 1.5 $67,200 $1,680 $20,160 $504 5,705 28% $12.87 $669 1.0
Ashtabula County $13.38 $696 $27,840 1.5 $55,600 $1,390 $16,680 $417 11,270 30% $9.15 $476 1.5
Athens County $15.42 $802 $32,080 1.8 $72,000 $1,800 $21,600 $540 9,922 44% $8.81 $458 1.8
Auglaize County $13.38 $696 $27,840 1.5 $76,700 $1,918 $23,010 $575 4,400 24% $12.45 $647 1.1
Belmont County $14.17 $737 $29,480 1.6 $68,900 $1,723 $20,670 $517 6,179 24% $11.00 $572 1.3
Brown County $13.71 $713 $28,520 1.6 $60,200 $1,505 $18,060 $452 4,551 26% $9.39 $488 1.5
Butler County $16.63 $865 $34,600 1.9 $86,300 $2,158 $25,890 $647 43,756 32% $13.36 $695 1.2
Carroll County $14.67 $763 $30,520 1.7 $69,500 $1,738 $20,850 $521 2,508 23% $10.18 $529 1.4
Champaign County $13.50 $702 $28,080 1.6 $68,200 $1,705 $20,460 $512 4,165 27% $13.70 $713 1.0
Clark County $14.63 $761 $30,440 1.7 $61,100 $1,528 $18,330 $458 19,226 35% $12.56 $653 1.2
Clermont County $16.63 $865 $34,600 1.9 $86,300 $2,158 $25,890 $647 19,860 26% $12.11 $630 1.4
Clinton County $13.96 $726 $29,040 1.6 $64,600 $1,615 $19,380 $485 5,647 34% $14.20 $738 1.0
Columbiana County $13.38 $696 $27,840 1.5 $56,600 $1,415 $16,980 $425 11,348 27% $10.70 $557 1.3
Coshocton County $13.38 $696 $27,840 1.5 $56,000 $1,400 $16,800 $420 3,859 27% $10.87 $565 1.2
Crawford County $13.38 $696 $27,840 1.5 $56,600 $1,415 $16,980 $425 5,328 30% $12.62 $656 1.1
Cuyahoga County $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 223,765 42% $16.76 $871 1.0
Darke County $13.38 $696 $27,840 1.5 $64,300 $1,608 $19,290 $482 5,738 28% $12.47 $649 1.1
Defiance County $13.38 $696 $27,840 1.5 $68,700 $1,718 $20,610 $515 3,490 23% $12.66 $658 1.1
Delaware County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 12,849 19% $13.58 $706 1.4
Erie County $14.58 $758 $30,320 1.7 $73,600 $1,840 $22,080 $552 9,699 31% $11.92 $620 1.2
Fairfield County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 15,240 27% $9.46 $492 2.0
Fayette County $14.17 $737 $29,480 1.6 $56,300 $1,408 $16,890 $422 4,323 37% $12.41 $646 1.1
Franklin County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 235,187 47% $17.82 $927 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-192

 FY20 HOUSING AREA MEDIAN
Ohio WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OHIO Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Fulton County $14.75 $767 $30,680 1.7 $71,900 $1,798 $21,570 $539 3,748 23% $11.84 $616 1.2
Gallia County $13.38 $696 $27,840 1.5 $61,600 $1,540 $18,480 $462 3,086 26% $12.91 $671 1.0
Geauga County $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 4,905 14% $10.79 $561 1.5
Greene County $14.94 $777 $31,080 1.7 $72,800 $1,820 $21,840 $546 21,992 34% $12.81 $666 1.2
Guernsey County $13.38 $696 $27,840 1.5 $55,200 $1,380 $16,560 $414 4,631 29% $11.35 $590 1.2
Hamilton County $16.63 $865 $34,600 1.9 $86,300 $2,158 $25,890 $647 143,539 42% $16.79 $873 1.0
Hancock County $14.56 $757 $30,280 1.7 $74,600 $1,865 $22,380 $560 9,813 31% $15.86 $825 0.9
Hardin County $13.38 $696 $27,840 1.5 $63,900 $1,598 $19,170 $479 3,340 29% $11.27 $586 1.2
Harrison County $13.38 $696 $27,840 1.5 $59,100 $1,478 $17,730 $443 1,349 22% $16.48 $857 0.8
Henry County $13.38 $696 $27,840 1.5 $73,200 $1,830 $21,960 $549 2,496 23% $12.54 $652 1.1
Highland County $13.38 $696 $27,840 1.5 $55,800 $1,395 $16,740 $419 5,122 31% $9.83 $511 1.4
Hocking County $13.38 $696 $27,840 1.5 $64,300 $1,608 $19,290 $482 2,724 24% $8.31 $432 1.6
Holmes County $13.38 $696 $27,840 1.5 $69,300 $1,733 $20,790 $520 2,979 24% $12.34 $642 1.1
Huron County $13.38 $696 $27,840 1.5 $62,500 $1,563 $18,750 $469 6,794 30% $12.85 $668 1.0
Jackson County $13.44 $699 $27,960 1.5 $52,600 $1,315 $15,780 $395 3,848 30% $11.42 $594 1.2
Jefferson County $13.38 $696 $27,840 1.5 $62,400 $1,560 $18,720 $468 8,442 31% $10.74 $559 1.2
Knox County $13.60 $707 $28,280 1.6 $65,500 $1,638 $19,650 $491 6,609 28% $13.48 $701 1.0
Lake County $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 24,584 26% $13.92 $724 1.2
Lawrence County $15.54 $808 $32,320 1.8 $59,100 $1,478 $17,730 $443 6,693 28% $10.30 $536 1.5
Licking County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 17,405 27% $10.79 $561 1.8
Logan County $14.75 $767 $30,680 1.7 $68,900 $1,723 $20,670 $517 5,049 27% $14.82 $771 1.0
Lorain County $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 33,938 28% $10.47 $544 1.6
Lucas County $14.75 $767 $30,680 1.7 $71,900 $1,798 $21,570 $539 71,673 40% $13.80 $718 1.1
Madison County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 4,333 29% $13.27 $690 1.4
Mahoning County $13.46 $700 $28,000 1.5 $60,700 $1,518 $18,210 $455 30,703 31% $11.06 $575 1.2
Marion County $14.75 $767 $30,680 1.7 $61,100 $1,528 $18,330 $458 7,899 32% $12.14 $631 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-193

 FY20 HOUSING AREA MEDIAN
Ohio WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OHIO Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Medina County $16.33 $849 $33,960 1.9 $76,000 $1,900 $22,800 $570 13,184 19% $11.45 $595 1.4
Meigs County $13.38 $696 $27,840 1.5 $55,000 $1,375 $16,500 $413 1,924 21% $6.60 $343 2.0
Mercer County $13.38 $696 $27,840 1.5 $72,500 $1,813 $21,750 $544 3,774 23% $12.56 $653 1.1
Miami County $14.94 $777 $31,080 1.7 $72,800 $1,820 $21,840 $546 12,353 30% $13.78 $717 1.1
Monroe County $13.38 $696 $27,840 1.5 $52,900 $1,323 $15,870 $397 1,448 24% $8.75 $455 1.5
Montgomery County $14.94 $777 $31,080 1.7 $72,800 $1,820 $21,840 $546 87,342 39% $14.09 $733 1.1
Morgan County $13.38 $696 $27,840 1.5 $50,100 $1,253 $15,030 $376 1,359 22% $9.34 $486 1.4
Morrow County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 2,278 18% $8.66 $450 2.2
Muskingum County $13.83 $719 $28,760 1.6 $62,200 $1,555 $18,660 $467 11,066 32% $10.69 $556 1.3
Noble County $13.42 $698 $27,920 1.5 $58,600 $1,465 $17,580 $440 795 16% $9.83 $511 1.4
Ottawa County $13.75 $715 $28,600 1.6 $73,400 $1,835 $22,020 $551 3,772 21% $12.56 $653 1.1
Paulding County $13.38 $696 $27,840 1.5 $67,000 $1,675 $20,100 $503 1,795 23% $11.73 $610 1.1
Perry County $14.02 $729 $29,160 1.6 $56,600 $1,415 $16,980 $425 3,486 26% $10.49 $546 1.3
Pickaway County $19.08 $992 $39,680 2.2 $84,500 $2,113 $25,350 $634 4,897 25% $10.92 $568 1.7
Pike County $13.38 $696 $27,840 1.5 $57,400 $1,435 $17,220 $431 3,543 33% $14.71 $765 0.9
Portage County $16.29 $847 $33,880 1.9 $76,300 $1,908 $22,890 $572 18,777 30% $11.20 $582 1.5
Preble County $13.58 $706 $28,240 1.6 $67,100 $1,678 $20,130 $503 3,647 23% $11.07 $576 1.2
Putnam County $13.38 $696 $27,840 1.5 $77,200 $1,930 $23,160 $579 2,552 19% $12.06 $627 1.1
Richland County $13.38 $696 $27,840 1.5 $66,300 $1,658 $19,890 $497 15,382 32% $12.00 $624 1.1
Ross County $14.63 $761 $30,440 1.7 $62,900 $1,573 $18,870 $472 8,670 30% $11.77 $612 1.2
Sandusky County $13.44 $699 $27,960 1.5 $63,500 $1,588 $19,050 $476 6,750 29% $11.84 $616 1.1
Scioto County $13.38 $696 $27,840 1.5 $59,300 $1,483 $17,790 $445 9,684 32% $8.44 $439 1.6
Seneca County $13.38 $696 $27,840 1.5 $63,400 $1,585 $19,020 $476 6,140 28% $11.21 $583 1.2
Shelby County $13.54 $704 $28,160 1.6 $74,900 $1,873 $22,470 $562 5,475 29% $17.42 $906 0.8
Stark County $14.67 $763 $30,520 1.7 $69,500 $1,738 $20,850 $521 48,429 32% $12.09 $629 1.2
Summit County $16.29 $847 $33,880 1.9 $76,300 $1,908 $22,890 $572 76,932 34% $13.94 $725 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-194

 FY20 HOUSING AREA MEDIAN
Ohio WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OHIO Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Trumbull County $13.46 $700 $28,000 1.5 $60,700 $1,518 $18,210 $455 25,217 29% $11.08 $576 1.2
Tuscarawas County $14.56 $757 $30,280 1.7 $65,100 $1,628 $19,530 $488 10,849 29% $12.75 $663 1.1
Union County $19.02 $989 $39,560 2.2 $95,600 $2,390 $28,680 $717 4,435 23% $16.44 $855 1.2
Van Wert County $13.42 $698 $27,920 1.5 $64,500 $1,613 $19,350 $484 2,894 25% $12.65 $658 1.1
Vinton County $13.38 $696 $27,840 1.5 $55,700 $1,393 $16,710 $418 1,305 26% $8.13 $423 1.6
Warren County $16.63 $865 $34,600 1.9 $86,300 $2,158 $25,890 $647 18,393 22% $15.68 $815 1.1
Washington County $13.38 $696 $27,840 1.5 $63,800 $1,595 $19,140 $479 6,568 26% $12.29 $639 1.1
Wayne County $14.06 $731 $29,240 1.6 $70,300 $1,758 $21,090 $527 11,681 27% $13.93 $725 1.0
Williams County $13.38 $696 $27,840 1.5 $61,100 $1,528 $18,330 $458 3,707 24% $12.41 $645 1.1
Wood County $14.75 $767 $30,680 1.7 $71,900 $1,798 $21,570 $539 17,238 34% $13.15 $684 1.1
Wyandot County $13.38 $696 $27,840 1.5 $64,000 $1,600 $19,200 $480 2,476 27% $14.12 $734 0.9

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OH-195

 OKLAHOMA #44* STATE
RANKING

In Oklahoma, the Fair Market Rent (FMR) for a two-bedroom apartment is

$828. In order to afford this level of rent and utilities — without paying more $15.93
than 30% of income on housing — a household must earn $2,761 monthly or PER HOUR
$33,132 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT OKLAHOMA:

STATE FACTS 88
Work Hours Per Week At
69
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.12
2-Bedroom Housing Wage $15.93
2.2 1.7
Number of Renter Households 507,582 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $828
$653
$17.42
One bedroom FMR
Oklahoma City HMFA
Rent affordable at area $1660
$17.27
median income (AMI)
Tulsa HMFA Rent affordable with full-time job paying
mean renter wage
$786
Beckham County $15.79 Rent affordable at 30% of AMI $498

Enid MSA $15.77

Rent affordable with full-time job
paying minimum wage $377
$247
$15.08
Rent affordable to SSI recipient
Payne County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OK-196
 FY20 HOUSING AREA MEDIAN
Ok lahoma WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OKLAHOMA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Oklahoma $15.93 $828 $33,132 2.2 $66,385 $1,660 $19,916 $498 507,582 34% $15.12 $786 1.1
Combined Nonmetro Areas $13.64 $709 $28,379 1.9 $58,242 $1,456 $17,472 $437 150,580 31% $13.13 $683 1.0

Metropolitan Areas
Cotton County HMFA $13.19 $686 $27,440 1.8 $60,200 $1,505 $18,060 $452 481 22% $10.63 $553 1.2
Enid MSA $15.77 $820 $32,800 2.2 $65,200 $1,630 $19,560 $489 8,469 36% $16.27 $846 1.0
Fort Smith HMFA $13.19 $686 $27,440 1.8 $54,200 $1,355 $16,260 $407 4,448 29% $8.67 $451 1.5
Grady County HMFA $13.42 $698 $27,920 1.9 $69,800 $1,745 $20,940 $524 4,420 22% $10.83 $563 1.2
Lawton HMFA $14.37 $747 $29,880 2.0 $67,100 $1,678 $20,130 $503 19,392 46% $13.30 $692 1.1
Le Flore County HMFA $13.19 $686 $27,440 1.8 $51,100 $1,278 $15,330 $383 5,252 29% $10.48 $545 1.3
Lincoln County HMFA $13.19 $686 $27,440 1.8 $61,600 $1,540 $18,480 $462 2,682 21% $10.53 $548 1.3
Oklahoma City HMFA $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 178,545 37% $15.96 $830 1.1
Okmulgee County HMFA $13.19 $686 $27,440 1.8 $53,300 $1,333 $15,990 $400 4,303 29% $10.87 $565 1.2
Pawnee County HMFA $13.29 $691 $27,640 1.8 $57,600 $1,440 $17,280 $432 1,498 24% $13.28 $690 1.0
Tulsa HMFA $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 127,512 36% $16.30 $847 1.1

Counties
Adair County $13.19 $686 $27,440 1.8 $43,800 $1,095 $13,140 $329 2,433 31% $11.31 $588 1.2
Alfalfa County $13.50 $702 $28,080 1.9 $71,600 $1,790 $21,480 $537 432 22% $15.11 $786 0.9
Atoka County $13.19 $686 $27,440 1.8 $48,600 $1,215 $14,580 $365 1,392 26% $9.76 $507 1.4
Beaver County $13.40 $697 $27,880 1.8 $64,100 $1,603 $19,230 $481 454 22% $18.77 $976 0.7
Beckham County $15.79 $821 $32,840 2.2 $66,200 $1,655 $19,860 $497 2,648 35% $17.26 $898 0.9
Blaine County $13.19 $686 $27,440 1.8 $62,400 $1,560 $18,720 $468 908 23% $14.01 $729 0.9
Bryan County $13.50 $702 $28,080 1.9 $55,900 $1,398 $16,770 $419 6,537 38% $13.38 $696 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OK-197

 FY20 HOUSING AREA MEDIAN
Ok lahoma WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OKLAHOMA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Caddo County $13.19 $686 $27,440 1.8 $55,900 $1,398 $16,770 $419 2,885 28% $14.38 $748 0.9
Canadian County $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 10,810 24% $14.31 $744 1.2
Carter County $13.79 $717 $28,680 1.9 $62,700 $1,568 $18,810 $470 5,760 31% $14.65 $762 0.9
Cherokee County $13.19 $686 $27,440 1.8 $54,900 $1,373 $16,470 $412 5,371 33% $8.23 $428 1.6
Choctaw County $13.19 $686 $27,440 1.8 $45,300 $1,133 $13,590 $340 1,869 31% $8.55 $445 1.5
Cimarron County $13.19 $686 $27,440 1.8 $59,900 $1,498 $17,970 $449 258 26% $19.03 $990 0.7
Cleveland County $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 37,863 36% $10.94 $569 1.6
Coal County $13.19 $686 $27,440 1.8 $61,100 $1,528 $18,330 $458 612 27% $11.12 $578 1.2
Comanche County $14.37 $747 $29,880 2.0 $67,100 $1,678 $20,130 $503 19,392 46% $13.30 $692 1.1
Cotton County $13.19 $686 $27,440 1.8 $60,200 $1,505 $18,060 $452 481 22% $10.63 $553 1.2
Craig County $13.58 $706 $28,240 1.9 $50,900 $1,273 $15,270 $382 1,567 29% $10.48 $545 1.3
Creek County $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 6,740 25% $14.11 $734 1.2
Custer County $13.19 $686 $27,440 1.8 $60,000 $1,500 $18,000 $450 4,196 40% $13.86 $721 1.0
Delaware County $13.19 $686 $27,440 1.8 $50,000 $1,250 $15,000 $375 4,013 24% $10.60 $551 1.2
Dewey County $13.87 $721 $28,840 1.9 $65,100 $1,628 $19,530 $488 421 25% $16.69 $868 0.8
Ellis County $13.96 $726 $29,040 1.9 $66,700 $1,668 $20,010 $500 428 27% $13.89 $722 1.0
Garfield County $15.77 $820 $32,800 2.2 $65,200 $1,630 $19,560 $489 8,469 36% $16.27 $846 1.0
Garvin County $13.19 $686 $27,440 1.8 $57,000 $1,425 $17,100 $428 3,299 32% $16.36 $851 0.8
Grady County $13.42 $698 $27,920 1.9 $69,800 $1,745 $20,940 $524 4,420 22% $10.83 $563 1.2
Grant County $13.54 $704 $28,160 1.9 $68,600 $1,715 $20,580 $515 440 24% $23.47 $1,221 0.6
Greer County $14.12 $734 $29,360 1.9 $55,300 $1,383 $16,590 $415 629 31% $10.18 $530 1.4
Harmon County $13.19 $686 $27,440 1.8 $54,900 $1,373 $16,470 $412 320 27% $15.67 $815 0.8
Harper County $13.19 $686 $27,440 1.8 $66,000 $1,650 $19,800 $495 222 17% $15.25 $793 0.9
Haskell County $13.19 $686 $27,440 1.8 $53,600 $1,340 $16,080 $402 1,241 26% $8.14 $424 1.6
Hughes County $13.19 $686 $27,440 1.8 $53,300 $1,333 $15,990 $400 1,036 25% $9.92 $516 1.3
Jackson County $13.52 $703 $28,120 1.9 $57,700 $1,443 $17,310 $433 4,261 43% $12.52 $651 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OK-198

 FY20 HOUSING AREA MEDIAN
Ok lahoma WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OKLAHOMA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Jefferson County $13.19 $686 $27,440 1.8 $47,000 $1,175 $14,100 $353 715 30% $10.23 $532 1.3
Johnston County $13.19 $686 $27,440 1.8 $52,200 $1,305 $15,660 $392 1,205 28% $8.08 $420 1.6
Kay County $13.19 $686 $27,440 1.8 $58,600 $1,465 $17,580 $440 5,565 31% $15.37 $799 0.9
Kingfisher County $13.63 $709 $28,360 1.9 $75,500 $1,888 $22,650 $566 1,199 21% $19.21 $999 0.7
Kiowa County $13.19 $686 $27,440 1.8 $53,100 $1,328 $15,930 $398 1,148 30% $10.20 $530 1.3
Latimer County $13.19 $686 $27,440 1.8 $53,600 $1,340 $16,080 $402 1,195 30% $13.85 $720 1.0
Le Flore County $13.19 $686 $27,440 1.8 $51,100 $1,278 $15,330 $383 5,252 29% $10.48 $545 1.3
Lincoln County $13.19 $686 $27,440 1.8 $61,600 $1,540 $18,480 $462 2,682 21% $10.53 $548 1.3
Logan County $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 3,198 20% $8.27 $430 2.1
Love County $13.75 $715 $28,600 1.9 $60,200 $1,505 $18,060 $452 692 22% $9.73 $506 1.4
McClain County $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 2,938 21% $10.61 $552 1.6
McCurtain County $13.19 $686 $27,440 1.8 $45,900 $1,148 $13,770 $344 3,682 29% $12.57 $654 1.0
McIntosh County $13.19 $686 $27,440 1.8 $52,200 $1,305 $15,660 $392 1,876 22% $8.87 $461 1.5
Major County $13.19 $686 $27,440 1.8 $68,000 $1,700 $20,400 $510 617 20% $19.27 $1,002 0.7
Marshall County $13.19 $686 $27,440 1.8 $56,800 $1,420 $17,040 $426 1,747 28% $14.26 $742 0.9
Mayes County $13.52 $703 $28,120 1.9 $59,200 $1,480 $17,760 $444 4,323 27% $15.11 $786 0.9
Murray County $13.19 $686 $27,440 1.8 $65,300 $1,633 $19,590 $490 1,630 30% $11.85 $616 1.1
Muskogee County $13.19 $686 $27,440 1.8 $49,400 $1,235 $14,820 $371 8,889 34% $10.47 $544 1.3
Noble County $13.19 $686 $27,440 1.8 $68,000 $1,700 $20,400 $510 1,241 27% $16.53 $859 0.8
Nowata County $14.10 $733 $29,320 1.9 $53,200 $1,330 $15,960 $399 1,039 25% $11.28 $586 1.3
Okfuskee County $13.19 $686 $27,440 1.8 $50,200 $1,255 $15,060 $377 1,101 28% $10.30 $535 1.3
Oklahoma County $17.42 $906 $36,240 2.4 $74,400 $1,860 $22,320 $558 123,736 41% $17.12 $890 1.0
Okmulgee County $13.19 $686 $27,440 1.8 $53,300 $1,333 $15,990 $400 4,303 29% $10.87 $565 1.2
Osage County $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 4,150 23% $10.91 $568 1.6
Ottawa County $13.79 $717 $28,680 1.9 $49,900 $1,248 $14,970 $374 3,749 31% $11.10 $577 1.2
Pawnee County $13.29 $691 $27,640 1.8 $57,600 $1,440 $17,280 $432 1,498 24% $13.28 $690 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OK-199

 FY20 HOUSING AREA MEDIAN
Ok lahoma WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OKLAHOMA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Payne County $15.08 $784 $31,360 2.1 $62,200 $1,555 $18,660 $467 14,970 49% $9.32 $485 1.6
Pittsburg County $14.29 $743 $29,720 2.0 $60,700 $1,518 $18,210 $455 4,872 27% $12.71 $661 1.1
Pontotoc County $13.69 $712 $28,480 1.9 $62,900 $1,573 $18,870 $472 5,031 35% $10.91 $567 1.3
Pottawatomie County $13.73 $714 $28,560 1.9 $65,300 $1,633 $19,590 $490 8,086 31% $10.90 $567 1.3
Pushmataha County $13.19 $686 $27,440 1.8 $48,800 $1,220 $14,640 $366 1,097 25% $8.17 $425 1.6
Roger Mills County $13.19 $686 $27,440 1.8 $66,100 $1,653 $19,830 $496 366 27% $13.06 $679 1.0
Rogers County $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 7,510 22% $13.22 $688 1.3
Seminole County $13.19 $686 $27,440 1.8 $50,400 $1,260 $15,120 $378 2,805 30% $12.68 $659 1.0
Sequoyah County $13.19 $686 $27,440 1.8 $54,200 $1,355 $16,260 $407 4,448 29% $8.67 $451 1.5
Stephens County $13.19 $686 $27,440 1.8 $61,800 $1,545 $18,540 $464 4,718 28% $15.07 $784 0.9
Texas County $14.23 $740 $29,600 2.0 $64,100 $1,603 $19,230 $481 2,346 35% $16.55 $861 0.9
Tillman County $13.19 $686 $27,440 1.8 $52,700 $1,318 $15,810 $395 673 23% $12.34 $642 1.1
Tulsa County $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 102,907 41% $16.72 $870 1.0
Wagoner County $17.27 $898 $35,920 2.4 $68,600 $1,715 $20,580 $515 6,205 22% $13.64 $709 1.3
Washington County $13.38 $696 $27,840 1.8 $65,800 $1,645 $19,740 $494 6,034 29% $16.31 $848 0.8
Washita County $13.19 $686 $27,440 1.8 $63,800 $1,595 $19,140 $479 1,221 28% $13.74 $714 1.0
Woods County $13.35 $694 $27,760 1.8 $84,300 $2,108 $25,290 $632 1,023 31% $11.26 $585 1.2
Woodward County $14.35 $746 $29,840 2.0 $74,900 $1,873 $22,470 $562 2,093 29% $18.24 $948 0.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OK-200

 OREGON #13* STATE
RANKING

In Oregon, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,267. In order to afford this level of rent and utilities — without paying more $24.37
than 30% of income on housing — a household must earn $4,224 monthly or PER HOUR
$50,687 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT OREGON:

STATE FACTS 81
Work Hours Per Week At
67
Work Hours Per Week At
Minimum Wage $12.00 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $16.78
2-Bedroom Housing Wage $24.37
2 1.7
Number of Renter Households 606,312 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 38%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1267
$1046
$28.75
One bedroom FMR
Portland-Vancouver-Hillsboro MSA
Rent affordable at area $1967
$23.02
median income (AMI)
Bend-Redmond MSA Rent affordable with full-time
job paying mean renter wage
$872
Corvallis MSA $22.63 Rent affordable at 30% of AMI $590

Eugene-Springfield MSA $22.62

Rent affordable with full-time job
paying minimum wage
$624
$235
$22.60
Rent affordable to SSI recipient
Hood River County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OR-201
 FY20 HOUSING AREA MEDIAN
Oregon WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OREGON Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Oregon $24.37 $1,267 $50,687 2.0 $78,661 $1,967 $23,598 $590 606,312 38% $16.78 $872 1.5
Combined Nonmetro Areas $18.01 $937 $37,470 1.5 $59,023 $1,476 $17,707 $443 91,430 34% $12.56 $653 1.4

Metropolitan Areas
Albany MSA $21.08 $1,096 $43,840 1.8 $64,500 $1,613 $19,350 $484 17,120 36% $14.77 $768 1.4
Bend-Redmond MSA $23.02 $1,197 $47,880 1.9 $76,600 $1,915 $22,980 $575 24,865 34% $14.93 $777 1.5
Corvallis MSA $22.63 $1,177 $47,080 1.9 $81,000 $2,025 $24,300 $608 15,134 43% $13.20 $687 1.7
Eugene-Springfield MSA $22.62 $1,176 $47,040 1.9 $72,200 $1,805 $21,660 $542 62,345 41% $13.43 $698 1.7
Grants Pass MSA $20.58 $1,070 $42,800 1.7 $57,800 $1,445 $17,340 $434 11,957 33% $11.73 $610 1.8
Medford MSA $20.06 $1,043 $41,720 1.7 $65,100 $1,628 $19,530 $488 32,301 37% $13.43 $698 1.5
Portland-Vancouver-Hillsboro MSA $28.75 $1,495 $59,800 2.4 $92,100 $2,303 $27,630 $691 293,517 39% $19.51 $1,014 1.5
Salem MSA $19.25 $1,001 $40,040 1.6 $70,600 $1,765 $21,180 $530 57,643 39% $13.39 $696 1.4

Counties
Baker County $15.19 $790 $31,600 1.3 $58,100 $1,453 $17,430 $436 2,077 30% $11.67 $607 1.3
Benton County $22.63 $1,177 $47,080 1.9 $81,000 $2,025 $24,300 $608 15,134 43% $13.20 $687 1.7
Clackamas County $28.75 $1,495 $59,800 2.2 $92,100 $2,303 $27,630 $691 45,810 29% $16.71 $869 1.7
Clatsop County $19.42 $1,010 $40,400 1.6 $70,600 $1,765 $21,180 $530 6,092 38% $12.79 $665 1.5
Columbia County $28.75 $1,495 $59,800 2.4 $92,100 $2,303 $27,630 $691 4,983 26% $10.68 $555 2.7
Coos County $16.83 $875 $35,000 1.5 $53,400 $1,335 $16,020 $401 9,379 35% $12.32 $641 1.4
Crook County $17.62 $916 $36,640 1.5 $60,500 $1,513 $18,150 $454 2,735 29% $15.91 $827 1.1
Curry County $19.69 $1,024 $40,960 1.7 $59,200 $1,480 $17,760 $444 3,147 30% $11.32 $589 1.7
Deschutes County $23.02 $1,197 $47,880 1.9 $76,600 $1,915 $22,980 $575 24,865 34% $14.93 $777 1.5
Douglas County $20.63 $1,073 $42,920 1.8 $59,600 $1,490 $17,880 $447 14,272 32% $13.52 $703 1.5
Gilliam County $18.00 $936 $37,440 1.6 $59,100 $1,478 $17,730 $443 311 37% $23.02 $1,197 0.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OR-202

 FY20 HOUSING AREA MEDIAN
Oregon WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
OREGON Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Grant County $14.75 $767 $30,680 1.3 $60,800 $1,520 $18,240 $456 977 30% $12.39 $644 1.2
Harney County $13.73 $714 $28,560 1.1 $53,300 $1,333 $15,990 $400 830 26% $10.36 $539 1.3
Hood River County $22.60 $1,175 $47,000 1.9 $71,700 $1,793 $21,510 $538 2,901 34% $12.63 $657 1.8
Jackson County $20.06 $1,043 $41,720 1.7 $65,100 $1,628 $19,530 $488 32,301 37% $13.43 $698 1.5
Jefferson County $16.17 $841 $33,640 1.4 $60,700 $1,518 $18,210 $455 2,404 30% $11.81 $614 1.4
Josephine County $20.58 $1,070 $42,800 1.7 $57,800 $1,445 $17,340 $434 11,957 33% $11.73 $610 1.8
Klamath County $16.38 $852 $34,080 1.4 $53,100 $1,328 $15,930 $398 9,918 36% $12.02 $625 1.4
Lake County $14.50 $754 $30,160 1.3 $44,700 $1,118 $13,410 $335 1,266 36% $12.14 $631 1.2
Lane County $22.62 $1,176 $47,040 1.9 $72,200 $1,805 $21,660 $542 62,345 41% $13.43 $698 1.7
Lincoln County $19.46 $1,012 $40,480 1.6 $55,800 $1,395 $16,740 $419 7,496 36% $12.26 $638 1.6
Linn County $21.08 $1,096 $43,840 1.8 $64,500 $1,613 $19,350 $484 17,120 36% $14.77 $768 1.4
Malheur County $15.83 $823 $32,920 1.4 $49,500 $1,238 $14,850 $371 4,164 41% $10.68 $555 1.5
Marion County $19.25 $1,001 $40,040 1.6 $70,600 $1,765 $21,180 $530 47,366 41% $13.85 $720 1.4
Morrow County $16.56 $861 $34,440 1.4 $63,200 $1,580 $18,960 $474 1,213 31% $17.39 $904 1.0
Multnomah County $28.75 $1,495 $59,800 2.2 $92,100 $2,303 $27,630 $691 147,547 46% $18.74 $974 1.5
Polk County $19.25 $1,001 $40,040 1.6 $70,600 $1,765 $21,180 $530 10,277 35% $9.76 $508 2.0
Sherman County $16.52 $859 $34,360 1.4 $69,500 $1,738 $20,850 $521 260 35% $13.61 $708 1.2
Tillamook County $17.67 $919 $36,760 1.5 $58,500 $1,463 $17,550 $439 3,344 31% $12.11 $630 1.5
Umatilla County $16.10 $837 $33,480 1.4 $65,300 $1,633 $19,590 $490 9,748 36% $11.36 $591 1.4
Union County $16.31 $848 $33,920 1.4 $58,900 $1,473 $17,670 $442 3,767 36% $12.78 $665 1.3
Wallowa County $15.54 $808 $32,320 1.4 $64,400 $1,610 $19,320 $483 1,087 34% $9.58 $498 1.6
Wasco County $22.02 $1,145 $45,800 1.8 $58,900 $1,473 $17,670 $442 3,866 38% $13.47 $700 1.6
Washington County $28.75 $1,495 $59,800 2.2 $92,100 $2,303 $27,630 $691 84,148 39% $23.36 $1,215 1.2
Wheeler County $13.73 $714 $28,560 1.2 $53,100 $1,328 $15,930 $398 176 27% $12.69 $660 1.1
Yamhill County $28.75 $1,495 $59,800 2.4 $92,100 $2,303 $27,630 $691 11,029 30% $13.00 $676 2.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION OR-203

 PENNSYLVANIA #26* STATE
RANKING

In Pennsylvania, the Fair Market Rent (FMR) for a two-bedroom apartment

is $1,000. In order to afford this level of rent and utilities — without paying $19.23
more than 30% of income on housing — a household must earn $3,333 monthly PER HOUR
or $39,992 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT PENNSYLVANIA:

STATE FACTS 106
Work Hours Per Week At
86
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.90
2-Bedroom Housing Wage $19.23
2.7 2.2
Number of Renter Households 1,557,665 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1000
$811
$24.88
One bedroom FMR
Pike County
Rent affordable at area $2067
$23.58
median income (AMI)
Philadelphia-Camden-Wilmington MSA Rent affordable with full-time job paying
mean renter wage
$827
East Stroudsburg MSA $20.19 Rent affordable at 30% of AMI $620

$19.73 $377
Rent affordable with full-time job
Allentown-Bethlehem-Easton HMFA paying minimum wage

$242
$19.63
Rent affordable to SSI recipient
Lancaster County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PA-204
 FY20 HOUSING AREA MEDIAN
Penns ylvania WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PENNSYLVANIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pennsylvania $19.23 $1,000 $39,992 2.7 $82,696 $2,067 $24,809 $620 1,557,665 31% $15.90 $827 1.2
Combined Nonmetro Areas $14.18 $738 $29,500 2.0 $64,508 $1,613 $19,352 $484 149,438 25% $11.37 $591 1.2

Metropolitan Areas
Allentown-Bethlehem-Easton HMFA $19.73 $1,026 $41,040 2.7 $78,200 $1,955 $23,460 $587 86,615 31% $14.88 $774 1.3
Altoona MSA $14.81 $770 $30,800 2.0 $60,000 $1,500 $18,000 $450 15,404 30% $11.14 $579 1.3
Armstrong County HMFA $14.29 $743 $29,720 2.0 $64,700 $1,618 $19,410 $485 6,646 24% $11.59 $603 1.2
Chambersburg-Waynesboro MSA $16.71 $869 $34,760 2.3 $78,300 $1,958 $23,490 $587 18,051 30% $13.86 $721 1.2
Columbia County HMFA $15.21 $791 $31,640 2.1 $65,800 $1,645 $19,740 $494 8,120 31% $11.05 $574 1.4
East Stroudsburg MSA $20.19 $1,050 $42,000 2.8 $79,100 $1,978 $23,730 $593 12,652 22% $12.05 $627 1.7
Erie MSA $14.90 $775 $31,000 2.1 $71,500 $1,788 $21,450 $536 37,637 34% $11.61 $604 1.3
Gettysburg MSA $17.52 $911 $36,440 2.4 $85,800 $2,145 $25,740 $644 8,928 23% $10.46 $544 1.7
Harrisburg-Carlisle MSA $18.33 $953 $38,120 2.5 $85,000 $2,125 $25,500 $638 74,017 32% $16.08 $836 1.1
Johnstown MSA $13.73 $714 $28,560 1.9 $62,700 $1,568 $18,810 $470 14,780 26% $9.87 $513 1.4
Lancaster MSA $19.63 $1,021 $40,840 2.7 $79,500 $1,988 $23,850 $596 63,913 32% $14.16 $737 1.4
Lebanon MSA $16.62 $864 $34,560 2.3 $77,000 $1,925 $23,100 $578 16,080 30% $12.93 $672 1.3
Montour County HMFA $15.77 $820 $32,800 2.2 $76,300 $1,908 $22,890 $572 2,338 31% $18.09 $941 0.9
Philadelphia-Camden-Wilmington MSA $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 534,537 35% $19.80 $1,030 1.2
Pike County HMFA $24.88 $1,294 $51,760 3.4 $79,100 $1,978 $23,730 $593 3,698 17% $8.04 $418 3.1
Pittsburgh HMFA $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 296,169 30% $15.64 $813 1.1
Reading MSA $17.83 $927 $37,080 2.5 $78,600 $1,965 $23,580 $590 43,752 28% $13.50 $702 1.3
Scranton-Wilkes-Barre MSA $15.44 $803 $32,120 2.1 $71,700 $1,793 $21,510 $538 72,964 32% $12.17 $633 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PA-205

 FY20 HOUSING AREA MEDIAN
Penns ylvania WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PENNSYLVANIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Sharon HMFA $13.88 $722 $28,880 1.9 $66,700 $1,668 $20,010 $500 12,456 27% $11.54 $600 1.2
State College MSA $18.33 $953 $38,120 2.5 $88,700 $2,218 $26,610 $665 22,101 38% $10.69 $556 1.7
Williamsport MSA $15.83 $823 $32,920 2.2 $64,800 $1,620 $19,440 $486 14,045 31% $12.23 $636 1.3
York-Hanover MSA $18.71 $973 $38,920 2.6 $82,200 $2,055 $24,660 $617 43,324 25% $13.49 $702 1.4

Counties
Adams County $17.52 $911 $36,440 2.4 $85,800 $2,145 $25,740 $644 8,928 23% $10.46 $544 1.7
Allegheny County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 189,760 35% $17.22 $895 1.0
Armstrong County $14.29 $743 $29,720 2.0 $64,700 $1,618 $19,410 $485 6,646 24% $11.59 $603 1.2
Beaver County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 18,935 27% $12.43 $646 1.4
Bedford County $13.73 $714 $28,560 1.9 $61,700 $1,543 $18,510 $463 3,976 20% $10.58 $550 1.3
Berks County $17.83 $927 $37,080 2.5 $78,600 $1,965 $23,580 $590 43,752 28% $13.50 $702 1.3
Blair County $14.81 $770 $30,800 2.0 $60,000 $1,500 $18,000 $450 15,404 30% $11.14 $579 1.3
Bradford County $14.63 $761 $30,440 2.0 $67,100 $1,678 $20,130 $503 6,113 25% $14.10 $733 1.0
Bucks County $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 55,671 23% $13.58 $706 1.7
Butler County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 18,585 24% $13.40 $697 1.3
Cambria County $13.73 $714 $28,560 1.9 $62,700 $1,568 $18,810 $470 14,780 26% $9.87 $513 1.4
Cameron County $13.73 $714 $28,560 1.9 $58,600 $1,465 $17,580 $440 605 27% $10.50 $546 1.3
Carbon County $19.73 $1,026 $41,040 2.7 $78,200 $1,955 $23,460 $587 5,796 23% $10.58 $550 1.9
Centre County $18.33 $953 $38,120 2.5 $88,700 $2,218 $26,610 $665 22,101 38% $10.69 $556 1.7
Chester County $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 46,943 25% $19.57 $1,018 1.2
Clarion County $13.73 $714 $28,560 1.9 $60,700 $1,518 $18,210 $455 4,910 31% $8.91 $463 1.5
Clearfield County $13.73 $714 $28,560 1.9 $62,000 $1,550 $18,600 $465 7,040 22% $10.12 $526 1.4
Clinton County $15.04 $782 $31,280 2.1 $63,800 $1,595 $19,140 $479 4,506 31% $12.51 $650 1.2
Columbia County $15.21 $791 $31,640 2.1 $65,800 $1,645 $19,740 $494 8,120 31% $11.05 $574 1.4
Crawford County $13.92 $724 $28,960 1.9 $66,000 $1,650 $19,800 $495 9,454 27% $10.81 $562 1.3
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PA-206

 FY20 HOUSING AREA MEDIAN
Penns ylvania WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PENNSYLVANIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Cumberland County $18.33 $953 $38,120 2.5 $85,000 $2,125 $25,500 $638 29,285 30% $15.22 $791 1.2
Dauphin County $18.33 $953 $38,120 2.5 $85,000 $2,125 $25,500 $638 41,081 37% $17.05 $887 1.1
Delaware County $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 63,727 31% $16.96 $882 1.4
Elk County $13.73 $714 $28,560 1.9 $66,900 $1,673 $20,070 $502 3,093 23% $12.15 $632 1.1
Erie County $14.90 $775 $31,000 2.1 $71,500 $1,788 $21,450 $536 37,637 34% $11.61 $604 1.3
Fayette County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 14,218 26% $10.26 $534 1.7
$13.88 $722 $28,880 1.9 $47,200 $1,180 $14,160 $354 230 14%
Franklin County $16.71 $869 $34,760 2.3 $78,300 $1,958 $23,490 $587 18,051 30% $13.86 $721 1.2
Fulton County $13.73 $714 $28,560 1.9 $65,300 $1,633 $19,590 $490 1,271 21% $15.54 $808 0.9
Greene County $14.10 $733 $29,320 1.9 $66,900 $1,673 $20,070 $502 3,674 26% $17.27 $898 0.8
Huntingdon County $13.73 $714 $28,560 1.9 $61,700 $1,543 $18,510 $463 4,093 24% $10.70 $556 1.3
Indiana County $14.85 $772 $30,880 2.0 $62,500 $1,563 $18,750 $469 10,060 30% $11.14 $580 1.3
Jefferson County $13.73 $714 $28,560 1.9 $60,900 $1,523 $18,270 $457 4,528 25% $10.52 $547 1.3
Juniata County $13.73 $714 $28,560 1.9 $65,300 $1,633 $19,590 $490 2,246 24% $10.44 $543 1.3
Lackawanna County $15.44 $803 $32,120 2.1 $71,700 $1,793 $21,510 $538 30,320 35% $12.09 $629 1.3
Lancaster County $19.63 $1,021 $40,840 2.7 $79,500 $1,988 $23,850 $596 63,913 32% $14.16 $737 1.4
Lawrence County $14.67 $763 $30,520 2.0 $69,200 $1,730 $20,760 $519 9,609 26% $10.21 $531 1.4
Lebanon County $16.62 $864 $34,560 2.3 $77,000 $1,925 $23,100 $578 16,080 30% $12.93 $672 1.3
Lehigh County $19.73 $1,026 $41,040 2.7 $78,200 $1,955 $23,460 $587 48,529 35% $16.00 $832 1.2
Luzerne County $15.44 $803 $32,120 2.1 $71,700 $1,793 $21,510 $538 40,256 31% $12.08 $628 1.3
Lycoming County $15.83 $823 $32,920 2.2 $64,800 $1,620 $19,440 $486 14,045 31% $12.23 $636 1.3
McKean County $13.73 $714 $28,560 1.9 $59,900 $1,498 $17,970 $449 4,513 26% $10.80 $561 1.3
Mercer County $13.88 $722 $28,880 1.9 $66,700 $1,668 $20,010 $500 12,456 27% $11.54 $600 1.2
Mifflin County $13.73 $714 $28,560 1.9 $56,200 $1,405 $16,860 $422 5,657 30% $12.15 $632 1.1
Monroe County $20.19 $1,050 $42,000 2.8 $79,100 $1,978 $23,730 $593 12,652 22% $12.05 $627 1.7
Montgomery County $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 88,515 28% $19.96 $1,038 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PA-207

 FY20 HOUSING AREA MEDIAN
Penns ylvania WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PENNSYLVANIA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Montour County $15.77 $820 $32,800 2.2 $76,300 $1,908 $22,890 $572 2,338 31% $18.09 $941 0.9
Northampton County $19.73 $1,026 $41,040 2.7 $78,200 $1,955 $23,460 $587 32,290 28% $13.51 $703 1.5
Northumberland County $13.73 $714 $28,560 1.9 $68,500 $1,713 $20,550 $514 11,389 29% $10.85 $564 1.3
Perry County $18.33 $953 $38,120 2.5 $85,000 $2,125 $25,500 $638 3,651 20% $9.34 $486 2.0
Philadelphia County $23.58 $1,226 $49,040 3.3 $96,600 $2,415 $28,980 $725 279,681 47% $23.33 $1,213 1.0
Pike County $24.88 $1,294 $51,760 3.4 $79,100 $1,978 $23,730 $593 3,698 17% $8.04 $418 3.1
Potter County $13.73 $714 $28,560 1.9 $57,700 $1,443 $17,310 $433 1,494 23% $13.12 $682 1.0
Schuylkill County $13.90 $723 $28,920 1.9 $66,300 $1,658 $19,890 $497 14,458 25% $11.52 $599 1.2
Snyder County $14.54 $756 $30,240 2.0 $66,900 $1,673 $20,070 $502 4,095 28% $11.07 $576 1.3
Somerset County $13.73 $714 $28,560 1.9 $63,500 $1,588 $19,050 $476 6,463 22% $11.24 $585 1.2
Sullivan County $13.73 $714 $28,560 1.9 $62,200 $1,555 $18,660 $467 486 18% $11.54 $600 1.2
Susquehanna County $14.88 $774 $30,960 2.1 $66,100 $1,653 $19,830 $496 4,063 23% $12.22 $635 1.2
Tioga County $15.06 $783 $31,320 2.1 $62,000 $1,550 $18,600 $465 4,275 26% $11.24 $584 1.3
Union County $14.96 $778 $31,120 2.1 $71,500 $1,788 $21,450 $536 4,126 28% $11.59 $603 1.3
Venango County $13.73 $714 $28,560 1.9 $61,800 $1,545 $18,540 $464 5,358 24% $10.62 $552 1.3
Warren County $13.73 $714 $28,560 1.9 $62,500 $1,563 $18,750 $469 3,992 23% $12.36 $643 1.1
Washington County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 20,491 24% $15.42 $802 1.1
Wayne County $16.85 $876 $35,040 2.3 $69,000 $1,725 $20,700 $518 3,661 20% $9.15 $476 1.8
Westmoreland County $17.12 $890 $35,600 2.4 $83,000 $2,075 $24,900 $623 34,180 23% $11.51 $599 1.5
Wyoming County $15.44 $803 $32,120 2.1 $71,700 $1,793 $21,510 $538 2,388 22% $14.38 $748 1.1
York County $18.71 $973 $38,920 2.6 $82,200 $2,055 $24,660 $617 43,324 25% $13.49 $702 1.4

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PA-208

 PUERTO RICO STATE
RANKING #52*
In Puerto Rico, the Fair Market Rent (FMR) for a two-bedroom apartment is
$487. In order to afford this level of rent and utilities — without paying more $9.36
than 30% of income on housing — a household must earn $1,623 monthly or PER HOUR
$19,473 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT PUERTO RICO:

STATE FACTS 52
Work Hours Per Week At
44
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $7.73
2-Bedroom Housing Wage $9.36
1.3 1.1
Number of Renter Households 384,670 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 32%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $487
$419
$10.21
One bedroom FMR
San Juan-Guaynabo HMFA
Rent affordable at area $631
$9.67
median income (AMI)
Fajardo HMFA Rent affordable with full-time job paying
mean renter wage
$402
Caguas HMFA $9.33 Rent affordable at 30% of AMI $189

$9.08 $377
Rent affordable with full-time job
Mayagüez MSA paying minimum wage

$235
$8.50
Rent affordable to SSI recipient
Ponce HMFA
$0 $200 $400 $600 $800
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area.
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PR-209
 FY20 HOUSING AREA MEDIAN
Puerto Rico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PUERTO RICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Puerto Rico $9.36 $487 $19,473 1.3 $25,255 $631 $7,576 $189 384,670 32% $7.73 $402 1.2
Combined Nonmetro Areas $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 13,929 28% $7.85 $408 1.0

Metropolitan Areas
Aguadilla-Isabela HMFA $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 35,140 35% $6.91 $360 1.2
Arecibo HMFA $8.46 $440 $17,600 1.2 $21,900 $548 $6,570 $164 17,278 30% $6.11 $318 1.4
Barranquitas-Aibonito HMFA $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 9,398 28% $6.51 $338 1.2
Caguas HMFA $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 31,053 29% $8.20 $426 1.1
Fajardo HMFA $9.67 $503 $20,120 1.3 $26,000 $650 $7,800 $195 7,381 32% $7.26 $377 1.3
Guayama MSA $8.10 $421 $16,840 1.1 $18,800 $470 $5,640 $141 7,407 28% $8.57 $446 0.9
Mayagüez MSA $9.08 $472 $18,880 1.3 $22,700 $568 $6,810 $170 14,073 39% $4.54 $236 2.0
Ponce HMFA $8.50 $442 $17,680 1.2 $20,500 $513 $6,150 $154 24,929 33% $6.04 $314 1.4
Quebradillas Municipio HMFA $8.10 $421 $16,840 1.1 $20,300 $508 $6,090 $152 2,889 35% $4.82 $250 1.7
San German MSA $8.02 $417 $16,680 1.1 $18,200 $455 $5,460 $137 14,635 34% $5.62 $292 1.4
San Juan-Guaynabo HMFA $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 195,193 32% $8.33 $433 1.2
Utuado Municipio HMFA $8.19 $426 $17,040 1.1 $21,100 $528 $6,330 $158 3,592 36% $4.62 $240 1.8
Yauco HMFA $7.87 $409 $16,360 1.1 $18,800 $470 $5,640 $141 7,773 26% $5.21 $271 1.5

Counties
Adjuntas Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 2,670 46% $5.38 $280 1.5
Aguada Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 3,281 26% $4.46 $232 1.8
Aguadilla Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 8,703 40% $7.36 $383 1.1
Aguas Buenas Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,804 33% $5.44 $283 1.9
Aibonito Municipio $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 1,722 21% $8.11 $422 1.0
† Wage data not available (See Appendix B). 1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PR-210

 FY20 HOUSING AREA MEDIAN
Puerto Rico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PUERTO RICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Añasco Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 2,064 23% $9.12 $474 0.9
Arecibo Municipio $8.46 $440 $17,600 1.2 $21,900 $548 $6,570 $164 10,196 32% $6.20 $323 1.4
Arroyo Municipio $8.10 $421 $16,840 1.1 $18,800 $470 $5,640 $141 1,404 23% $13.68 $712 0.6
Barceloneta Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,103 26% $11.03 $574 0.9
Barranquitas Municipio $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 2,366 27% $4.80 $250 1.6
Bayamón Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 21,687 32% $6.40 $333 1.6
Cabo Rojo Municipio $8.02 $417 $16,680 1.1 $18,200 $455 $5,460 $137 6,133 39% $4.65 $242 1.7
Caguas Municipio $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 15,245 31% $7.95 $413 1.2
Camuy Municipio $8.46 $440 $17,600 1.2 $21,900 $548 $6,570 $164 3,437 30% $5.16 $268 1.6
Canóvanas Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,683 25% $8.47 $440 1.2
Carolina Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 19,248 30% $8.22 $428 1.2
Cataño Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,461 39% $8.32 $433 1.2
Cayey Municipio $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 5,680 35% $7.87 $409 1.2
Ceiba Municipio $9.67 $503 $20,120 1.3 $26,000 $650 $7,800 $195 1,209 28% $9.24 $480 1.0
Ciales Municipio $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 1,908 33% $4.84 $252 1.6
Cidra Municipio $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 4,212 33% $9.01 $469 1.0
Coamo Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 3,082 23% $5.88 $306 1.3
Comerío Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,441 42% $6.14 $320 1.7
Corozal Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,264 21% $7.52 $391 1.4
$7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 173 36%
Dorado Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,659 22% $8.46 $440 1.2
Fajardo Municipio $9.67 $503 $20,120 1.3 $26,000 $650 $7,800 $195 4,276 35% $7.40 $385 1.3
$10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 974 23%
Guánica Municipio $7.87 $409 $16,360 1.1 $18,800 $470 $5,640 $141 1,541 28% $5.03 $262 1.6
Guayama Municipio $8.10 $421 $16,840 1.1 $18,800 $470 $5,640 $141 4,058 28% $7.71 $401 1.1
Guayanilla Municipio $7.87 $409 $16,360 1.1 $18,800 $470 $5,640 $141 1,873 29% $5.21 $271 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PR-211

 FY20 HOUSING AREA MEDIAN
Puerto Rico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PUERTO RICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Guaynabo Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 8,114 26% $9.80 $509 1.0
Gurabo Municipio $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 2,443 17% $10.62 $552 0.9
Hatillo Municipio $8.46 $440 $17,600 1.2 $21,900 $548 $6,570 $164 3,645 26% $6.28 $327 1.3
Hormigueros Municipio $9.08 $472 $18,880 1.3 $22,700 $568 $6,810 $170 1,679 27% $4.41 $229 2.1
Humacao Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 4,747 27% $9.49 $494 1.1
Isabela Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 5,735 38% $8.33 $433 1.0
Jayuya Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 2,006 39% $11.85 $616 0.7
Juana Díaz Municipio $8.50 $442 $17,680 1.2 $20,500 $513 $6,150 $154 4,273 27% $7.17 $373 1.2
Juncos Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,772 30% $14.62 $760 0.7
Lajas Municipio $8.02 $417 $16,680 1.1 $18,200 $455 $5,460 $137 3,372 43% $4.56 $237 1.8
Lares Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 4,156 42% $5.63 $293 1.4
Las Marías Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 929 32% $2.14 $111 3.7
Las Piedras Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,166 25% $7.89 $410 1.3
Loíza Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,474 28% $11.78 $612 0.9
Luquillo Municipio $9.67 $503 $20,120 1.3 $26,000 $650 $7,800 $195 1,896 29% $5.54 $288 1.7
Manatí Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 4,108 27% $7.93 $412 1.3
Maricao Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 513 27% $5.69 $296 1.4
Maunabo Municipio $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 1,072 28% $6.71 $349 1.2
Mayagüez Municipio $9.08 $472 $18,880 1.3 $22,700 $568 $6,810 $170 12,394 41% $4.55 $237 2.0
Moca Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 4,729 36% $6.08 $316 1.3
Morovis Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 2,962 30% $6.13 $319 1.7
Naguabo Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 1,873 23% $5.71 $297 1.8
Naranjito Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 1,920 23% $5.24 $272 2.0
Orocovis Municipio $7.87 $409 $16,360 1.1 $19,700 $493 $5,910 $148 2,330 35% $4.64 $241 1.7
Patillas Municipio $8.10 $421 $16,840 1.1 $18,800 $470 $5,640 $141 1,945 31% $5.88 $306 1.4
Peñuelas Municipio $7.87 $409 $16,360 1.1 $18,800 $470 $5,640 $141 1,712 25% $6.98 $363 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PR-212

 FY20 HOUSING AREA MEDIAN
Puerto Rico WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
PUERTO RICO Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Ponce Municipio $8.50 $442 $17,680 1.2 $20,500 $513 $6,150 $154 18,419 35% $5.61 $292 1.5
Quebradillas Municipio $8.10 $421 $16,840 1.1 $20,300 $508 $6,090 $152 2,889 35% $4.82 $250 1.7
Rincón Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 1,552 30% $3.76 $195 2.2
Río Grande Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,862 25% $6.30 $327 1.6
Sabana Grande Municipio $8.02 $417 $16,680 1.1 $18,200 $455 $5,460 $137 1,774 24% $6.16 $320 1.3
Salinas Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 2,055 20% $7.00 $364 1.1
San Germán Municipio $8.02 $417 $16,680 1.1 $18,200 $455 $5,460 $137 3,356 28% $6.40 $333 1.3
San Juan Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 67,183 46% $8.36 $435 1.2
San Lorenzo Municipio $9.33 $485 $19,400 1.3 $25,700 $643 $7,710 $193 3,473 25% $6.67 $347 1.4
San Sebastián Municipio $8.15 $424 $16,960 1.1 $21,500 $538 $6,450 $161 4,920 35% $5.42 $282 1.5
Santa Isabel Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 1,823 24% $8.25 $429 1.0
Toa Alta Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,725 17% $5.52 $287 1.9
Toa Baja Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 7,178 26% $7.27 $378 1.4
Trujillo Alto Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 7,989 33% $4.94 $257 2.1
Utuado Municipio $8.19 $426 $17,040 1.1 $21,100 $528 $6,330 $158 3,592 36% $4.62 $240 1.8
Vega Alta Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,879 32% $8.96 $466 1.1
Vega Baja Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,685 20% $11.42 $594 0.9
Vieques Municipio $7.87 $409 $16,360 1.1 $20,300 $508 $6,090 $152 678 27% $12.52 $651 0.6
Villalba Municipio $8.50 $442 $17,680 1.2 $20,500 $513 $6,150 $154 2,237 29% $10.53 $548 0.8
Yabucoa Municipio $10.21 $531 $21,240 1.4 $28,800 $720 $8,640 $216 3,232 28% $5.39 $280 1.9
Yauco Municipio $7.87 $409 $16,360 1.1 $18,800 $470 $5,640 $141 2,647 25% $4.65 $242 1.7

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION PR-213

 RHODE ISLAND STATE
RANKING #19*
In Rhode Island, the Fair Market Rent (FMR) for a two-bedroom apartment
is $1,101. In order to afford this level of rent and utilities — without paying $21.16
more than 30% of income on housing — a household must earn $3,669 monthly PER HOUR
or $44,023 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT RHODE ISLAND:

STATE FACTS 81
Work Hours Per Week At
67
Work Hours Per Week At
Minimum Wage $10.50 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.21
2-Bedroom Housing Wage $21.16
2 1.7
Number of Renter Households 163,320 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 40%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1101
$911
$27.29
One bedroom FMR
Newport-Middleton-Portsmouth HMFA
Rent affordable at area $2199
$22.19
median income (AMI)
Westerly-Hopkinton-New Shoreham HMFA Rent affordable with full-time job paying
mean renter wage
$739
Providence-Fall River HMFA $20.67 Rent affordable at 30% of AMI $660
Rent affordable with full-time job
paying minimum wage $546
Rent affordable to SSI recipient $247

MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION RI-214
TOWNS WITHIN RHODE ISLAND FMR AREAS
NEWPORT-MIDDLETON-PORTSMOUTH, RI HMFA
NEWPORT COUNTY
Middletown town, Newport city, Portsmouth town

PROVIDENCE-FALL RIVER, RI-MA HMFA

BRISTOL COUNTY
Barrington town, Bristol town, Warren town
KENT COUNTY
Coventry town, East Greenwich town, Warwick city, West Greenwich town, West Warwick town
NEWPORT COUNTY
Jamestown town, Little Compton town, Tiverton town
PROVIDENCE COUNTY
Burrillville town, Central Falls city, Cranston city, Cumberland town, East Providence city, Foster town, Glocester town, Johnston
town, Lincoln town, North Providence town, North Smithfield town, Pawtucket city, Providence city, Scituate town, Smithfield town,
Woonsocket city
WASHINGTON COUNTY
Charlestown town, Exeter town, Narragansett town, North Kingstown town, Richmond town, South Kingstown town

WESTERLY-HOPKINTON-NEW SHOREHAM, RI HMFA

WASHINGTON COUNTY
Hopkinton town, New Shoreham town, Westerly town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION RI-215

 FY20 HOUSING AREA MEDIAN
Rhod e Is land WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
RHODE ISLAND Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Rhode Island $21.16 $1,101 $44,023 2.0 $87,969 $2,199 $26,391 $660 163,320 40% $14.21 $739 1.5

Metropolitan Areas
Newport-Middleton-Portsmouth HMFA $27.29 $1,419 $56,760 2.6 $100,900 $2,523 $30,270 $757 11,184 45% $14.19 $738 1.9
Providence-Fall River HMFA $20.67 $1,075 $43,000 2.0 $87,000 $2,175 $26,100 $653 147,980 40% $14.32 $745 1.4
Westerly-Hopkinton-New Shoreham HMFA $22.19 $1,154 $46,160 2.1 $91,200 $2,280 $27,360 $684 4,156 31% $10.90 $567 2.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION RI-216

 SOUTH CAROLINA STATE
RANKING #31*
In South Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment
is $900. In order to afford this level of rent and utilities — without paying $17.30
more than 30% of income on housing — a household must earn $2,999 monthly PER HOUR
or $35,984 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT SOUTH CAROLINA:

STATE FACTS 95
Work Hours Per Week At
82
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.52
2-Bedroom Housing Wage $17.30
2.4 2
Number of Renter Households 589,362 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $900
$771
$22.67
One bedroom FMR
Charleston-North Charleston MSA
Rent affordable at area
$1699
$20.44
median income (AMI)
York County Rent affordable with full-time job paying
mean renter wage $703
Beaufort County $19.77 Rent affordable at 30% of AMI $510
$19.17 $377
Rent affordable with full-time job
Myrtle Beach-North Myrtle Beach-Conway HMFA paying minimum wage

$235
$17.90
Rent affordable to SSI recipient
Columbia HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SC-217
 FY20 HOUSING AREA MEDIAN
South Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

South Carolina $17.30 $900 $35,984 2.4 $67,964 $1,699 $20,389 $510 589,362 31% $13.52 $703 1.3
Combined Nonmetro Areas $12.83 $667 $26,685 1.8 $51,932 $1,298 $15,580 $389 82,758 29% $11.64 $605 1.1

Metropolitan Areas
Anderson HMFA $14.73 $766 $30,640 2.0 $65,200 $1,630 $19,560 $489 22,851 30% $10.99 $572 1.3
Augusta-Richmond County HMFA $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 21,356 28% $14.21 $739 1.1
Beaufort County HMFA $19.77 $1,028 $41,120 2.7 $81,500 $2,038 $24,450 $611 20,049 28% $12.13 $631 1.6
Charleston-North Charleston MSA $22.67 $1,179 $47,160 3.1 $81,000 $2,025 $24,300 $608 97,591 34% $15.83 $823 1.4
Charlotte-Concord-Gastonia HMFA $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 27,936 28% $13.17 $685 1.6
Chester County HMFA $13.29 $691 $27,640 1.8 $54,100 $1,353 $16,230 $406 3,077 25% $10.04 $522 1.3
Columbia HMFA $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 96,258 34% $13.69 $712 1.3
Darlington County HMFA $13.31 $692 $27,680 1.8 $52,300 $1,308 $15,690 $392 8,058 30% $14.56 $757 0.9
Florence HMFA $15.10 $785 $31,400 2.1 $56,100 $1,403 $16,830 $421 17,986 35% $12.20 $634 1.2
Greenville-Mauldin-Easley HMFA $16.19 $842 $33,680 2.2 $74,900 $1,873 $22,470 $562 78,777 33% $14.36 $747 1.1
Jasper County HMFA $15.96 $830 $33,200 2.2 $46,000 $1,150 $13,800 $345 3,146 32% $13.92 $724 1.1
Kershaw County HMFA $13.83 $719 $28,760 1.9 $64,400 $1,610 $19,320 $483 4,429 18% $11.97 $622 1.2
Lancaster County HMFA $15.38 $800 $32,000 2.1 $79,000 $1,975 $23,700 $593 7,116 22% $12.91 $671 1.2
Laurens County HMFA $14.44 $751 $30,040 2.0 $45,900 $1,148 $13,770 $344 7,509 30% $15.41 $801 0.9
Myrtle Beach-North Myrtle Beach-Conway HMFA $19.17 $997 $39,880 2.6 $57,400 $1,435 $17,220 $431 37,547 29% $11.22 $583 1.7
Spartanburg HMFA $15.29 $795 $31,800 2.1 $64,700 $1,618 $19,410 $485 34,849 30% $13.63 $709 1.1
Sumter MSA $15.25 $793 $31,720 2.1 $54,700 $1,368 $16,410 $410 14,529 35% $12.46 $648 1.2
Union County HMFA $13.27 $690 $27,600 1.8 $50,400 $1,260 $15,120 $378 3,540 31% $11.22 $584 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SC-218

 FY20 HOUSING AREA MEDIAN
South Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Counties
Abbeville County $12.52 $651 $26,040 1.7 $49,000 $1,225 $14,700 $368 2,245 24% $11.47 $596 1.1
Aiken County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 18,908 28% $14.68 $764 1.1
Allendale County $12.52 $651 $26,040 1.7 $36,300 $908 $10,890 $272 1,095 33% $11.80 $614 1.1
Anderson County $14.73 $766 $30,640 2.0 $65,200 $1,630 $19,560 $489 22,851 30% $10.99 $572 1.3
Bamberg County $13.10 $681 $27,240 1.8 $49,100 $1,228 $14,730 $368 1,538 28% $10.85 $564 1.2
Barnwell County $12.52 $651 $26,040 1.7 $48,200 $1,205 $14,460 $362 2,521 30% $8.78 $456 1.4
Beaufort County $19.77 $1,028 $41,120 2.7 $81,500 $2,038 $24,450 $611 20,049 28% $12.13 $631 1.6
Berkeley County $22.67 $1,179 $47,160 3.1 $81,000 $2,025 $24,300 $608 21,171 28% $19.00 $988 1.2
Calhoun County $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 1,163 19% $11.76 $612 1.5
Charleston County $22.67 $1,179 $47,160 3.1 $81,000 $2,025 $24,300 $608 60,804 39% $15.66 $815 1.4
Cherokee County $12.67 $659 $26,360 1.7 $52,200 $1,305 $15,660 $392 6,293 31% $11.00 $572 1.2
Chester County $13.29 $691 $27,640 1.8 $54,100 $1,353 $16,230 $406 3,077 25% $10.04 $522 1.3
Chesterfield County $12.52 $651 $26,040 1.7 $47,900 $1,198 $14,370 $359 5,214 29% $11.54 $600 1.1
Clarendon County $12.52 $651 $26,040 1.7 $48,900 $1,223 $14,670 $367 3,152 24% $6.77 $352 1.8
Colleton County $13.08 $680 $27,200 1.8 $43,900 $1,098 $13,170 $329 3,675 24% $12.55 $653 1.0
Darlington County $13.31 $692 $27,680 1.8 $52,300 $1,308 $15,690 $392 8,058 30% $14.56 $757 0.9
Dillon County $12.52 $651 $26,040 1.7 $42,400 $1,060 $12,720 $318 3,862 35% $10.52 $547 1.2
Dorchester County $22.67 $1,179 $47,160 3.1 $81,000 $2,025 $24,300 $608 15,616 29% $12.25 $637 1.9
Edgefield County $16.31 $848 $33,920 2.2 $65,900 $1,648 $19,770 $494 2,448 27% $7.71 $401 2.1
Fairfield County $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 2,362 26% $12.74 $662 1.4
Florence County $15.10 $785 $31,400 2.1 $56,100 $1,403 $16,830 $421 17,986 35% $12.20 $634 1.2
Georgetown County $14.38 $748 $29,920 2.0 $62,500 $1,563 $18,750 $469 5,752 23% $11.55 $601 1.2
Greenville County $16.19 $842 $33,680 2.2 $74,900 $1,873 $22,470 $562 63,421 33% $14.88 $774 1.1
Greenwood County $12.52 $651 $26,040 1.7 $56,300 $1,408 $16,890 $422 9,742 36% $12.33 $641 1.0
Hampton County $12.52 $651 $26,040 1.7 $46,900 $1,173 $14,070 $352 1,811 26% $15.67 $815 0.8

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SC-219

 FY20 HOUSING AREA MEDIAN
South Car olina WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH CAROLINA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Horry County $19.17 $997 $39,880 2.6 $57,400 $1,435 $17,220 $431 37,547 29% $11.22 $583 1.7
Jasper County $15.96 $830 $33,200 2.2 $46,000 $1,150 $13,800 $345 3,146 32% $13.92 $724 1.1
Kershaw County $13.83 $719 $28,760 1.9 $64,400 $1,610 $19,320 $483 4,429 18% $11.97 $622 1.2
Lancaster County $15.38 $800 $32,000 2.1 $79,000 $1,975 $23,700 $593 7,116 22% $12.91 $671 1.2
Laurens County $14.44 $751 $30,040 2.0 $45,900 $1,148 $13,770 $344 7,509 30% $15.41 $801 0.9
Lee County $12.52 $651 $26,040 1.7 $43,600 $1,090 $13,080 $327 1,701 27% $9.47 $492 1.3
Lexington County $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 28,976 26% $12.47 $649 1.4
$12.52 $651 $26,040 1.7 $54,800 $1,370 $16,440 $411 927 23%
Marion County $12.52 $651 $26,040 1.7 $42,100 $1,053 $12,630 $316 3,392 29% $8.88 $462 1.4
Marlboro County $12.52 $651 $26,040 1.7 $43,100 $1,078 $12,930 $323 3,281 34% $13.55 $705 0.9
Newberry County $14.13 $735 $29,400 1.9 $51,300 $1,283 $15,390 $385 4,031 27% $11.17 $581 1.3
Oconee County $12.96 $674 $26,960 1.8 $65,500 $1,638 $19,650 $491 8,837 28% $14.12 $734 0.9
Orangeburg County $12.58 $654 $26,160 1.7 $52,100 $1,303 $15,630 $391 10,539 32% $10.55 $549 1.2
Pickens County $16.19 $842 $33,680 2.2 $74,900 $1,873 $22,470 $562 15,356 32% $9.73 $506 1.7
Richland County $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 61,859 41% $14.54 $756 1.2
Saluda County $17.90 $931 $37,240 2.5 $72,600 $1,815 $21,780 $545 1,898 26% $10.30 $536 1.7
Spartanburg County $15.29 $795 $31,800 2.1 $64,700 $1,618 $19,410 $485 34,849 30% $13.63 $709 1.1
Sumter County $15.25 $793 $31,720 2.1 $54,700 $1,368 $16,410 $410 14,529 35% $12.46 $648 1.2
Union County $13.27 $690 $27,600 1.8 $50,400 $1,260 $15,120 $378 3,540 31% $11.22 $584 1.2
Williamsburg County $12.52 $651 $26,040 1.7 $45,700 $1,143 $13,710 $343 3,150 25% $13.77 $716 0.9
York County $20.44 $1,063 $42,520 2.8 $83,500 $2,088 $25,050 $626 27,936 28% $13.17 $685 1.6

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SC-220

 SOUTH DAKOTA STATE
RANKING #47*
In South Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment
is $793. In order to afford this level of rent and utilities — without paying $15.24
more than 30% of income on housing — a household must earn $2,642 monthly PER HOUR
or $31,701 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT SOUTH DAKOTA:

STATE FACTS 66
Work Hours Per Week At
51
Work Hours Per Week At
Minimum Wage $9.30 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $12.52
2-Bedroom Housing Wage $15.24
1.6 1.3
Number of Renter Households 108,929 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 32%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $793
$621
$17.27
One bedroom FMR
Custer County
Rent affordable at area
$1901
$16.31
median income (AMI)
Stanley County Rent affordable with full-time
job paying mean renter wage $651
Haakon County $16.25 Rent affordable at 30% of AMI $570
$16.17 $484
Rent affordable with full-time job
Rapid City HMFA paying minimum wage

$235
$16.13
Rent affordable to SSI recipient
Sioux Falls MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SD-221
 FY20 HOUSING AREA MEDIAN
South D akota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

South Dakota $15.24 $793 $31,701 1.6 $76,055 $1,901 $22,817 $570 108,929 32% $12.52 $651 1.2
Combined Nonmetro Areas $14.48 $753 $30,123 1.6 $70,928 $1,773 $21,278 $532 56,925 32% $11.60 $603 1.2

Metropolitan Areas
Custer County HMFA $17.27 $898 $35,920 1.9 $71,300 $1,783 $21,390 $535 692 18% $7.97 $414 2.2
Meade County HMFA $14.98 $779 $31,160 1.6 $68,500 $1,713 $20,550 $514 2,856 26% $12.18 $634 1.2
Rapid City HMFA $16.17 $841 $33,640 1.7 $76,000 $1,900 $22,800 $570 13,591 31% $11.24 $585 1.4
Sioux City HMFA $15.44 $803 $32,120 1.7 $75,200 $1,880 $22,560 $564 1,893 29% $17.38 $904 0.9
Sioux Falls MSA $16.13 $839 $33,560 1.7 $86,200 $2,155 $25,860 $647 32,972 33% $13.69 $712 1.2

Counties
Aurora County $13.73 $714 $28,560 1.5 $75,500 $1,888 $22,650 $566 290 25% $12.13 $631 1.1
Beadle County $13.73 $714 $28,560 1.5 $67,100 $1,678 $20,130 $503 2,569 33% $12.37 $643 1.1
Bennett County $13.73 $714 $28,560 1.5 $50,200 $1,255 $15,060 $377 361 37% $10.13 $527 1.4
Bon Homme County $13.73 $714 $28,560 1.5 $71,200 $1,780 $21,360 $534 648 26% $10.80 $562 1.3
Brookings County $15.52 $807 $32,280 1.7 $84,600 $2,115 $25,380 $635 5,220 41% $11.25 $585 1.4
Brown County $14.58 $758 $30,320 1.6 $78,000 $1,950 $23,400 $585 5,511 34% $11.60 $603 1.3
Brule County $13.73 $714 $28,560 1.5 $62,700 $1,568 $18,810 $470 820 37% $11.59 $603 1.2
$14.98 $779 $31,160 1.6 $36,200 $905 $10,860 $272 305 54%
Butte County $15.71 $817 $32,680 1.7 $59,000 $1,475 $17,700 $443 1,040 25% $9.06 $471 1.7
Campbell County $13.73 $714 $28,560 1.5 $80,800 $2,020 $24,240 $606 78 12% $14.42 $750 1.0
Charles Mix County $13.73 $714 $28,560 1.5 $62,000 $1,550 $18,600 $465 938 30% $9.79 $509 1.4
Clark County $14.27 $742 $29,680 1.5 $68,600 $1,715 $20,580 $515 345 22% $11.05 $574 1.3
Clay County $15.38 $800 $32,000 1.7 $77,600 $1,940 $23,280 $582 2,554 49% $8.06 $419 1.9
Codington County $14.79 $769 $30,760 1.6 $75,700 $1,893 $22,710 $568 4,077 34% $11.82 $615 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SD-222

 FY20 HOUSING AREA MEDIAN
South D akota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Corson County $13.73 $714 $28,560 1.5 $37,800 $945 $11,340 $284 563 47% $12.30 $639 1.1
Custer County $17.27 $898 $35,920 1.9 $71,300 $1,783 $21,390 $535 692 18% $7.97 $414 2.2
Davison County $15.58 $810 $32,400 1.7 $68,800 $1,720 $20,640 $516 3,522 41% $14.12 $734 1.1
Day County $13.73 $714 $28,560 1.5 $62,300 $1,558 $18,690 $467 692 27% $8.42 $438 1.6
Deuel County $13.73 $714 $28,560 1.5 $74,700 $1,868 $22,410 $560 362 20% $15.65 $814 0.9
Dewey County $14.17 $737 $29,480 1.5 $52,700 $1,318 $15,810 $395 703 42% $11.98 $623 1.2
Douglas County $13.73 $714 $28,560 1.5 $70,300 $1,758 $21,090 $527 262 21% $8.61 $448 1.6
Edmunds County $13.73 $714 $28,560 1.5 $81,000 $2,025 $24,300 $608 271 17% $11.00 $572 1.2
Fall River County $14.00 $728 $29,120 1.5 $69,900 $1,748 $20,970 $524 735 24% $10.87 $565 1.3
Faulk County $14.35 $746 $29,840 1.5 $83,200 $2,080 $24,960 $624 179 20% $10.34 $538 1.4
Grant County $14.52 $755 $30,200 1.6 $69,300 $1,733 $20,790 $520 518 16% $10.82 $562 1.3
Gregory County $13.73 $714 $28,560 1.5 $61,700 $1,543 $18,510 $463 511 28% $9.27 $482 1.5
Haakon County $16.25 $845 $33,800 1.7 $47,000 $1,175 $14,100 $353 182 20% $16.50 $858 1.0
Hamlin County $13.73 $714 $28,560 1.5 $71,600 $1,790 $21,480 $537 479 22% $16.53 $859 0.8
Hand County $13.73 $714 $28,560 1.5 $77,100 $1,928 $23,130 $578 470 31% $11.79 $613 1.2
Hanson County $13.73 $714 $28,560 1.5 $79,900 $1,998 $23,970 $599 122 11% $17.65 $918 0.8
Harding County $13.73 $714 $28,560 1.5 $75,100 $1,878 $22,530 $563 169 31% $18.02 $937 0.8
Hughes County $14.94 $777 $31,080 1.6 $95,800 $2,395 $28,740 $719 2,500 33% $10.57 $550 1.4
Hutchinson County $14.23 $740 $29,600 1.5 $69,300 $1,733 $20,790 $520 637 22% $10.60 $551 1.3
Hyde County $14.23 $740 $29,600 1.5 $83,400 $2,085 $25,020 $626 124 21% $15.42 $802 0.9
Jackson County $13.73 $714 $28,560 1.5 $42,700 $1,068 $12,810 $320 349 39% $7.72 $401 1.8
Jerauld County $13.73 $714 $28,560 1.5 $66,100 $1,653 $19,830 $496 241 26% $14.99 $780 0.9
Jones County $13.73 $714 $28,560 1.5 $57,700 $1,443 $17,310 $433 79 20% $11.05 $575 1.2
Kingsbury County $13.73 $714 $28,560 1.5 $72,800 $1,820 $21,840 $546 472 21% $11.12 $578 1.2
Lake County $13.73 $714 $28,560 1.5 $80,700 $2,018 $24,210 $605 1,232 26% $11.14 $579 1.2
Lawrence County $14.40 $749 $29,960 1.5 $74,900 $1,873 $22,470 $562 3,790 34% $10.85 $564 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SD-223

 FY20 HOUSING AREA MEDIAN
South D akota WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
SOUTH DAKOTA Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lincoln County $16.13 $839 $33,560 1.7 $86,200 $2,155 $25,860 $647 4,348 23% $15.01 $781 1.1
Lyman County $13.73 $714 $28,560 1.5 $55,700 $1,393 $16,710 $418 453 32% $8.93 $464 1.5
McCook County $16.13 $839 $33,560 1.7 $86,200 $2,155 $25,860 $647 581 26% $11.71 $609 1.4
McPherson County $15.73 $818 $32,720 1.7 $65,500 $1,638 $19,650 $491 201 20% $10.34 $538 1.5
Marshall County $13.73 $714 $28,560 1.5 $74,400 $1,860 $22,320 $558 518 28% $12.08 $628 1.1
Meade County $14.98 $779 $31,160 1.6 $68,500 $1,713 $20,550 $514 2,856 26% $12.18 $634 1.2
Mellette County $13.73 $714 $28,560 1.5 $36,900 $923 $11,070 $277 234 35% $8.88 $462 1.5
Miner County $13.73 $714 $28,560 1.5 $66,200 $1,655 $19,860 $497 201 21% $11.61 $604 1.2
Minnehaha County $16.13 $839 $33,560 1.7 $86,200 $2,155 $25,860 $647 27,279 36% $13.53 $703 1.2
Moody County $13.73 $714 $28,560 1.5 $72,400 $1,810 $21,720 $543 677 26% $13.87 $721 1.0
Oglala Lakota County $13.73 $714 $28,560 1.5 $29,600 $740 $8,880 $222 1,335 47% $10.73 $558 1.3
Pennington County $16.17 $841 $33,640 1.7 $76,000 $1,900 $22,800 $570 13,591 31% $11.24 $585 1.4
Perkins County $14.33 $745 $29,800 1.5 $69,900 $1,748 $20,970 $524 343 27% $7.78 $404 1.8
Potter County $14.33 $745 $29,800 1.5 $65,100 $1,628 $19,530 $488 183 18% $14.67 $763 1.0
Roberts County $13.73 $714 $28,560 1.5 $63,800 $1,595 $19,140 $479 1,220 32% $9.70 $504 1.4
Sanborn County $13.73 $714 $28,560 1.5 $71,800 $1,795 $21,540 $539 307 29% $10.46 $544 1.3
Spink County $13.75 $715 $28,600 1.5 $68,900 $1,723 $20,670 $517 684 26% $12.94 $673 1.1
Stanley County $16.31 $848 $33,920 1.8 $76,100 $1,903 $22,830 $571 241 19% $7.95 $413 2.1
Sully County $13.73 $714 $28,560 1.5 $78,500 $1,963 $23,550 $589 100 18% $16.58 $862 0.8
Todd County $13.73 $714 $28,560 1.5 $27,200 $680 $8,160 $204 1,522 56% $12.43 $646 1.1
Tripp County $13.73 $714 $28,560 1.5 $65,500 $1,638 $19,650 $491 643 27% $8.58 $446 1.6
Turner County $16.13 $839 $33,560 1.7 $86,200 $2,155 $25,860 $647 764 22% $9.20 $478 1.8
Union County $15.44 $803 $32,120 1.7 $75,200 $1,880 $22,560 $564 1,893 29% $17.38 $904 0.9
Walworth County $13.73 $714 $28,560 1.5 $70,200 $1,755 $21,060 $527 572 25% $12.92 $672 1.1
Yankton County $14.44 $751 $30,040 1.6 $68,600 $1,715 $20,580 $515 3,254 35% $12.31 $640 1.2
Ziebach County $13.73 $714 $28,560 1.5 $35,400 $885 $10,620 $266 317 43% $10.47 $544 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION SD-224

 TENNESSEE #34* STATE
RANKING

In Tennessee, the Fair Market Rent (FMR) for a two-bedroom apartment is

$889. In order to afford this level of rent and utilities — without paying more $17.09
than 30% of income on housing — a household must earn $2,963 monthly or PER HOUR
$35,550 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT TENNESSEE:

STATE FACTS 94
Work Hours Per Week At
78
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.82
2-Bedroom Housing Wage $17.09
2.4 1.9
Number of Renter Households 865,902 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $889
$734
$21.85
One bedroom FMR
Nashville-Davidson--Murfreesboro--Franklin HMFA
Rent affordable at area $1687
$17.60
median income (AMI)
Knoxville HMFA Rent affordable with full-time job paying
mean renter wage
$823
Maury County $17.31 Rent affordable at 30% of AMI $506

$17.00 $377
Rent affordable with full-time job
Memphis HMFA paying minimum wage

$235
$16.71
Rent affordable to SSI recipient
Clarksville MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-225
 FY20 HOUSING AREA MEDIAN
Tennes s ee WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TENNESSEE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Tennessee $17.09 $889 $35,550 2.4 $67,463 $1,687 $20,239 $506 865,902 34% $15.82 $823 1.1
Combined Nonmetro Areas $12.98 $675 $26,995 1.8 $52,687 $1,317 $15,806 $395 168,096 29% $11.84 $616 1.1

Metropolitan Areas
Campbell County HMFA $13.02 $677 $27,080 1.8 $46,800 $1,170 $14,040 $351 4,812 30% $10.30 $536 1.3
Chattanooga MSA $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 55,173 35% $14.23 $740 1.1
Clarksville MSA $16.71 $869 $34,760 2.3 $68,900 $1,723 $20,670 $517 28,631 41% $12.99 $675 1.3
Cleveland MSA $15.52 $807 $32,280 2.1 $61,400 $1,535 $18,420 $461 15,496 33% $14.19 $738 1.1
Crockett County HMFA $12.75 $663 $26,520 1.8 $53,700 $1,343 $16,110 $403 1,628 31% $13.37 $695 1.0
Grainger County HMFA $13.60 $707 $28,280 1.9 $52,700 $1,318 $15,810 $395 1,936 22% $11.53 $600 1.2
Hickman County HMFA $15.13 $787 $31,480 2.1 $50,200 $1,255 $15,060 $377 1,645 19% $11.38 $592 1.3
Jackson HMFA $15.23 $792 $31,680 2.1 $59,600 $1,490 $17,880 $447 15,598 36% $12.42 $646 1.2
Johnson City MSA $13.31 $692 $27,680 1.8 $57,500 $1,438 $17,250 $431 28,029 33% $11.75 $611 1.1
Kingsport-Bristol-Bristol MSA $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 24,684 28% $14.88 $774 0.9
Knoxville HMFA $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 93,767 32% $14.47 $752 1.2
Macon County HMFA $13.35 $694 $27,760 1.8 $44,600 $1,115 $13,380 $335 2,459 27% $12.43 $646 1.1
Maury County HMFA $17.31 $900 $36,000 2.4 $70,800 $1,770 $21,240 $531 10,542 31% $15.27 $794 1.1
Memphis HMFA $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 165,849 43% $17.16 $892 1.0
Morgan County HMFA $13.81 $718 $28,720 1.9 $52,000 $1,300 $15,600 $390 1,541 21% $11.89 $618 1.2
Morristown MSA $14.19 $738 $29,520 2.0 $55,400 $1,385 $16,620 $416 13,347 30% $13.27 $690 1.1
Nashville-Davidson--Murfreesboro--Franklin HMFA $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 225,827 35% $18.90 $983 1.2
Roane County HMFA $15.79 $821 $32,840 2.2 $63,300 $1,583 $18,990 $475 4,892 23% $18.52 $963 0.9

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-226

 FY20 HOUSING AREA MEDIAN
Tennes s ee WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TENNESSEE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Smith County HMFA $13.38 $696 $27,840 1.8 $56,200 $1,405 $16,860 $422 1,950 26% $14.32 $745 0.9

Counties
Anderson County $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 9,754 32% $17.36 $903 1.0
Bedford County $14.77 $768 $30,720 2.0 $55,200 $1,380 $16,560 $414 5,370 32% $14.21 $739 1.0
Benton County $12.48 $649 $25,960 1.7 $51,100 $1,278 $15,330 $383 1,633 24% $11.62 $604 1.1
Bledsoe County $12.48 $649 $25,960 1.7 $52,400 $1,310 $15,720 $393 1,253 26% $10.05 $523 1.2
Blount County $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 12,474 25% $14.30 $743 1.2
Bradley County $15.52 $807 $32,280 2.1 $61,400 $1,535 $18,420 $461 13,638 34% $14.37 $747 1.1
Campbell County $13.02 $677 $27,080 1.8 $46,800 $1,170 $14,040 $351 4,812 30% $10.30 $536 1.3
Cannon County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 1,470 27% $8.20 $427 2.7
Carroll County $12.48 $649 $25,960 1.7 $55,400 $1,385 $16,620 $416 3,005 27% $11.45 $595 1.1
Carter County $13.31 $692 $27,680 1.8 $57,500 $1,438 $17,250 $431 7,112 30% $12.03 $625 1.1
Cheatham County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 3,412 23% $13.43 $698 1.6
Chester County $15.23 $792 $31,680 2.1 $59,600 $1,490 $17,880 $447 1,430 24% $10.22 $531 1.5
Claiborne County $12.48 $649 $25,960 1.7 $48,000 $1,200 $14,400 $360 3,926 30% $9.77 $508 1.3
Clay County $12.48 $649 $25,960 1.7 $43,600 $1,090 $13,080 $327 798 25% $7.30 $380 1.7
Cocke County $12.48 $649 $25,960 1.7 $44,000 $1,100 $13,200 $330 4,504 32% $10.25 $533 1.2
Coffee County $13.48 $701 $28,040 1.9 $60,800 $1,520 $18,240 $456 7,051 33% $16.91 $879 0.8
Crockett County $12.75 $663 $26,520 1.8 $53,700 $1,343 $16,110 $403 1,628 31% $13.37 $695 1.0
Cumberland County $13.02 $677 $27,080 1.8 $52,300 $1,308 $15,690 $392 5,564 22% $10.19 $530 1.3
Davidson County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 127,504 46% $21.60 $1,123 1.0
Decatur County $12.48 $649 $25,960 1.7 $47,600 $1,190 $14,280 $357 1,087 24% $9.88 $514 1.3
DeKalb County $12.48 $649 $25,960 1.7 $51,700 $1,293 $15,510 $388 2,324 31% $16.08 $836 0.8
Dickson County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 5,129 27% $11.19 $582 2.0
Dyer County $12.87 $669 $26,760 1.8 $57,700 $1,443 $17,310 $433 5,748 38% $12.28 $639 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-227

 FY20 HOUSING AREA MEDIAN
Tennes s ee WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TENNESSEE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Fayette County $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 3,133 20% $9.97 $518 1.7
Fentress County $12.48 $649 $25,960 1.7 $42,000 $1,050 $12,600 $315 1,728 23% $10.10 $525 1.2
Franklin County $12.48 $649 $25,960 1.7 $57,500 $1,438 $17,250 $431 4,209 26% $12.06 $627 1.0
Gibson County $12.77 $664 $26,560 1.8 $55,200 $1,380 $16,560 $414 5,878 31% $11.78 $613 1.1
Giles County $12.48 $649 $25,960 1.7 $57,300 $1,433 $17,190 $430 3,413 30% $11.15 $580 1.1
Grainger County $13.60 $707 $28,280 1.9 $52,700 $1,318 $15,810 $395 1,936 22% $11.53 $600 1.2
Greene County $12.48 $649 $25,960 1.7 $53,400 $1,335 $16,020 $401 7,377 27% $12.36 $643 1.0
Grundy County $12.48 $649 $25,960 1.7 $42,300 $1,058 $12,690 $317 1,097 23% $6.79 $353 1.8
Hamblen County $14.19 $738 $29,520 2.0 $55,400 $1,385 $16,620 $416 8,206 34% $12.49 $649 1.1
Hamilton County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 50,950 36% $14.42 $750 1.1
Hancock County $12.48 $649 $25,960 1.7 $43,400 $1,085 $13,020 $326 578 21% $9.92 $516 1.3
Hardeman County $12.48 $649 $25,960 1.7 $47,900 $1,198 $14,370 $359 2,443 27% $14.87 $773 0.8
Hardin County $13.08 $680 $27,200 1.8 $53,900 $1,348 $16,170 $404 2,732 27% $12.59 $655 1.0
Hawkins County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 6,143 26% $11.66 $606 1.2
Haywood County $12.60 $655 $26,200 1.7 $49,800 $1,245 $14,940 $374 2,813 40% $12.29 $639 1.0
Henderson County $12.69 $660 $26,400 1.8 $56,000 $1,400 $16,800 $420 2,791 26% $9.88 $514 1.3
Henry County $12.48 $649 $25,960 1.7 $52,100 $1,303 $15,630 $391 3,156 24% $10.46 $544 1.2
Hickman County $15.13 $787 $31,480 2.1 $50,200 $1,255 $15,060 $377 1,645 19% $11.38 $592 1.3
Houston County $13.10 $681 $27,240 1.8 $52,600 $1,315 $15,780 $395 618 21% $9.26 $482 1.4
Humphreys County $12.50 $650 $26,000 1.7 $54,500 $1,363 $16,350 $409 1,612 24% $12.54 $652 1.0
Jackson County $12.48 $649 $25,960 1.7 $46,800 $1,170 $14,040 $351 1,096 24% $11.62 $604 1.1
Jefferson County $14.19 $738 $29,520 2.0 $55,400 $1,385 $16,620 $416 5,141 26% $15.27 $794 0.9
Johnson County $12.48 $649 $25,960 1.7 $41,100 $1,028 $12,330 $308 1,536 22% $10.59 $551 1.2
Knox County $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 65,025 35% $14.15 $736 1.2
Lake County $12.48 $649 $25,960 1.7 $50,200 $1,255 $15,060 $377 941 43% $7.89 $410 1.6
Lauderdale County $12.48 $649 $25,960 1.7 $46,200 $1,155 $13,860 $347 4,129 42% $12.73 $662 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-228

 FY20 HOUSING AREA MEDIAN
Tennes s ee WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TENNESSEE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lawrence County $12.65 $658 $26,320 1.7 $52,100 $1,303 $15,630 $391 4,176 26% $10.38 $540 1.2
Lewis County $12.63 $657 $26,280 1.7 $49,200 $1,230 $14,760 $369 1,039 22% $9.92 $516 1.3
Lincoln County $12.60 $655 $26,200 1.7 $53,800 $1,345 $16,140 $404 3,646 27% $11.82 $615 1.1
Loudon County $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 4,702 23% $12.77 $664 1.4
McMinn County $12.48 $649 $25,960 1.7 $54,600 $1,365 $16,380 $410 5,253 26% $10.83 $563 1.2
McNairy County $12.48 $649 $25,960 1.7 $48,200 $1,205 $14,460 $362 2,728 27% $10.23 $532 1.2
Macon County $13.35 $694 $27,760 1.8 $44,600 $1,115 $13,380 $335 2,459 27% $12.43 $646 1.1
Madison County $15.23 $792 $31,680 2.1 $59,600 $1,490 $17,880 $447 14,168 38% $12.54 $652 1.2
Marion County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 2,938 25% $10.63 $553 1.5
Marshall County $14.37 $747 $29,880 2.0 $58,600 $1,465 $17,580 $440 3,609 29% $13.34 $694 1.1
Maury County $17.31 $900 $36,000 2.4 $70,800 $1,770 $21,240 $531 10,542 31% $15.27 $794 1.1
Meigs County $12.48 $649 $25,960 1.7 $49,400 $1,235 $14,820 $371 948 20% $10.31 $536 1.2
Monroe County $12.48 $649 $25,960 1.7 $48,300 $1,208 $14,490 $362 4,250 24% $15.35 $798 0.8
Montgomery County $16.71 $869 $34,760 2.3 $68,900 $1,723 $20,670 $517 28,631 41% $12.99 $675 1.3
Moore County $12.48 $649 $25,960 1.7 $65,700 $1,643 $19,710 $493 443 17% $16.56 $861 0.8
Morgan County $13.81 $718 $28,720 1.9 $52,000 $1,300 $15,600 $390 1,541 21% $11.89 $618 1.2
Obion County $12.48 $649 $25,960 1.7 $51,400 $1,285 $15,420 $386 4,071 32% $10.50 $546 1.2
Overton County $12.48 $649 $25,960 1.7 $48,100 $1,203 $14,430 $361 1,842 21% $10.37 $539 1.2
Perry County $12.48 $649 $25,960 1.7 $43,500 $1,088 $13,050 $326 672 20% $9.92 $516 1.3
Pickett County $12.48 $649 $25,960 1.7 $47,900 $1,198 $14,370 $359 411 19% $8.73 $454 1.4
Polk County $15.52 $807 $32,280 2.1 $61,400 $1,535 $18,420 $461 1,858 26% $9.96 $518 1.6
Putnam County $13.65 $710 $28,400 1.9 $56,500 $1,413 $16,950 $424 12,231 39% $11.12 $578 1.2
Rhea County $13.00 $676 $27,040 1.8 $54,900 $1,373 $16,470 $412 3,670 30% $9.69 $504 1.3
Roane County $15.79 $821 $32,840 2.2 $63,300 $1,583 $18,990 $475 4,892 23% $18.52 $963 0.9
Robertson County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 6,355 25% $11.29 $587 1.9
Rutherford County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 37,796 35% $16.15 $840 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-229

 FY20 HOUSING AREA MEDIAN
Tennes s ee WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TENNESSEE Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Scott County $12.48 $649 $25,960 1.7 $42,500 $1,063 $12,750 $319 2,700 31% $9.88 $514 1.3
Sequatchie County $16.00 $832 $33,280 2.2 $72,600 $1,815 $21,780 $545 1,285 24% $10.02 $521 1.6
Sevier County $14.77 $768 $30,720 2.0 $58,200 $1,455 $17,460 $437 11,768 32% $10.81 $562 1.4
Shelby County $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 156,381 45% $17.42 $906 1.0
Smith County $13.38 $696 $27,840 1.8 $56,200 $1,405 $16,860 $422 1,950 26% $14.32 $745 0.9
Stewart County $12.90 $671 $26,840 1.8 $59,300 $1,483 $17,790 $445 1,423 27% $15.11 $786 0.9
Sullivan County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 18,541 28% $15.44 $803 0.9
Sumner County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 17,432 27% $13.66 $711 1.6
Tipton County $17.00 $884 $35,360 2.3 $67,900 $1,698 $20,370 $509 6,335 30% $9.53 $496 1.8
Trousdale County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 766 25% $12.96 $674 1.7
Unicoi County $13.31 $692 $27,680 1.8 $57,500 $1,438 $17,250 $431 2,167 29% $13.43 $698 1.0
Union County $17.60 $915 $36,600 2.4 $73,900 $1,848 $22,170 $554 1,812 25% $12.28 $639 1.4
Van Buren County $12.48 $649 $25,960 1.7 $54,200 $1,355 $16,260 $407 364 17% $8.45 $439 1.5
Warren County $13.02 $677 $27,080 1.8 $51,500 $1,288 $15,450 $386 4,797 31% $13.60 $707 1.0
Washington County $13.31 $692 $27,680 1.8 $57,500 $1,438 $17,250 $431 18,750 35% $11.57 $601 1.2
Wayne County $12.48 $649 $25,960 1.7 $45,600 $1,140 $13,680 $342 1,155 19% $9.94 $517 1.3
Weakley County $12.48 $649 $25,960 1.7 $52,300 $1,308 $15,690 $392 4,563 34% $10.14 $527 1.2
White County $12.48 $649 $25,960 1.7 $48,000 $1,200 $14,400 $360 1,927 19% $10.49 $545 1.2
Williamson County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 14,645 19% $18.51 $962 1.2
Wilson County $21.85 $1,136 $45,440 3.0 $82,300 $2,058 $24,690 $617 11,318 23% $12.05 $627 1.8

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TN-230

 TEXAS #21* STATE
RANKING

In Texas, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,087. In order to afford this level of rent and utilities — without paying more $20.90
than 30% of income on housing — a household must earn $3,623 monthly or PER HOUR
$43,478 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT TEXAS:

STATE FACTS 115
Work Hours Per Week At
95
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $19.56
2-Bedroom Housing Wage $20.90
2.9 2.4
Number of Renter Households 3,635,275 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 38%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1087
$892
$26.08
One bedroom FMR
Austin-Round Rock MSA
Rent affordable at area $1890
$25.94
median income (AMI)
Midland HMFA Rent affordable with full-time
job paying mean renter wage
$1017
Dallas HMFA $25.27 Rent affordable at 30% of AMI $567

$23.54 $377
Rent affordable with full-time job
Kendall County paying minimum wage

$235
$22.40
Rent affordable to SSI recipient
Fort Worth-Arlington HMFA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-231
 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Texas $20.90 $1,087 $43,478 2.9 $75,592 $1,890 $22,678 $567 3,635,275 38% $19.56 $1,017 1.1
Combined Nonmetro Areas $14.73 $766 $30,647 2.0 $59,550 $1,489 $17,865 $447 303,207 29% $14.72 $765 1.0

Metropolitan Areas
Abilene MSA $16.60 $863 $34,520 2.3 $64,800 $1,620 $19,440 $486 22,874 38% $15.37 $799 1.1
Amarillo HMFA $16.77 $872 $34,880 2.3 $66,900 $1,673 $20,070 $502 34,767 36% $15.63 $813 1.1
Aransas County HMFA $16.17 $841 $33,640 2.2 $61,500 $1,538 $18,450 $461 2,088 22% $12.62 $656 1.3
Atascosa County HMFA $16.25 $845 $33,800 2.2 $62,900 $1,573 $18,870 $472 3,804 25% $20.70 $1,076 0.8
Austin County HMFA $18.48 $961 $38,440 2.5 $82,200 $2,055 $24,660 $617 2,614 24% $11.20 $583 1.6
Austin-Round Rock MSA $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 311,077 42% $21.53 $1,119 1.2
Beaumont-Port Arthur HMFA $16.48 $857 $34,280 2.3 $67,500 $1,688 $20,250 $506 48,106 33% $18.41 $957 0.9
Brazoria County HMFA $20.48 $1,065 $42,600 2.8 $104,200 $2,605 $31,260 $782 33,460 28% $19.51 $1,015 1.0
Brownsville-Harlingen MSA $14.62 $760 $30,400 2.0 $47,800 $1,195 $14,340 $359 41,075 33% $9.14 $475 1.6
College Station-Bryan MSA $18.04 $938 $37,520 2.5 $65,600 $1,640 $19,680 $492 45,478 49% $12.86 $669 1.4
Corpus Christi HMFA $19.21 $999 $39,960 2.6 $66,600 $1,665 $19,980 $500 61,872 41% $16.71 $869 1.1
Dallas HMFA $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 711,964 42% $23.29 $1,211 1.1
El Paso HMFA $15.90 $827 $33,080 2.2 $52,500 $1,313 $15,750 $394 102,506 39% $11.92 $620 1.3
Falls County HMFA $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 1,373 26% $7.71 $401 1.8
Fort Worth-Arlington HMFA $22.40 $1,165 $46,600 3.1 $81,500 $2,038 $24,450 $611 300,752 38% $17.90 $931 1.3
Hood County HMFA $20.63 $1,073 $42,920 2.8 $76,700 $1,918 $23,010 $575 5,150 23% $13.21 $687 1.6
Houston-The Woodlands-Sugar Land HMFA $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 878,402 40% $22.78 $1,185 0.9
$15.10 $785 $31,400 2.1 $52,500 $1,313 $15,750 $394 217 24%

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-232

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Kendall County HMFA $23.54 $1,224 $48,960 3.2 $100,800 $2,520 $30,240 $756 3,839 27% $14.73 $766 1.6
Killeen-Temple HMFA $15.10 $785 $31,400 2.1 $63,900 $1,598 $19,170 $479 64,335 45% $16.95 $881 0.9
Lampasas County HMFA $14.69 $764 $30,560 2.0 $70,800 $1,770 $21,240 $531 1,889 24% $11.88 $618 1.2
Laredo MSA $16.58 $862 $34,480 2.3 $50,600 $1,265 $15,180 $380 27,642 38% $9.93 $517 1.7
Longview HMFA $17.65 $918 $36,720 2.4 $64,800 $1,620 $19,440 $486 21,600 36% $15.61 $812 1.1
Lubbock HMFA $16.50 $858 $34,320 2.3 $69,200 $1,730 $20,760 $519 50,827 44% $12.93 $672 1.3
Lynn County HMFA $13.73 $714 $28,560 1.9 $57,100 $1,428 $17,130 $428 666 31% $14.33 $745 1.0
Martin County HMFA $13.73 $714 $28,560 1.9 $88,000 $2,200 $26,400 $660 376 23% $20.59 $1,071 0.7
McAllen-Edinburg-Mission MSA $14.29 $743 $29,720 2.0 $45,100 $1,128 $13,530 $338 74,912 32% $9.76 $507 1.5
Medina County HMFA $15.65 $814 $32,560 2.2 $74,200 $1,855 $22,260 $557 3,121 20% $13.18 $685 1.2
Midland HMFA $25.94 $1,349 $53,960 3.6 $90,700 $2,268 $27,210 $680 18,619 33% $29.02 $1,509 0.9
Newton County HMFA $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 675 14% $10.37 $539 1.3
Odessa MSA $22.38 $1,164 $46,560 3.1 $65,500 $1,638 $19,650 $491 17,855 34% $23.07 $1,199 1.0
Oldham County HMFA $18.96 $986 $39,440 2.6 $80,000 $2,000 $24,000 $600 119 23% $21.20 $1,102 0.9
Rusk County HMFA $15.73 $818 $32,720 2.2 $59,800 $1,495 $17,940 $449 4,193 23% $13.60 $707 1.2
San Angelo MSA $18.52 $963 $38,520 2.6 $72,400 $1,810 $21,720 $543 16,305 37% $14.48 $753 1.3
San Antonio-New Braunfels HMFA $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 289,171 38% $16.10 $837 1.3
Sherman-Denison MSA $17.60 $915 $36,600 2.4 $76,000 $1,900 $22,800 $570 15,626 33% $14.98 $779 1.2
Somervell County HMFA $16.90 $879 $35,160 2.3 $62,700 $1,568 $18,810 $470 901 28% $24.57 $1,278 0.7
Texarkana HMFA $15.23 $792 $31,680 2.1 $69,800 $1,745 $20,940 $524 12,206 36% $12.06 $627 1.3
Tyler MSA $17.75 $923 $36,920 2.4 $65,600 $1,640 $19,680 $492 26,351 34% $15.40 $801 1.2
Victoria MSA $19.27 $1,002 $40,080 2.7 $68,800 $1,720 $20,640 $516 11,535 33% $14.67 $763 1.3

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-233

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Waco HMFA $17.31 $900 $36,000 2.4 $65,700 $1,643 $19,710 $493 36,824 41% $14.42 $750 1.2
Wichita Falls MSA $15.08 $784 $31,360 2.1 $64,700 $1,618 $19,410 $485 19,804 36% $12.73 $662 1.2
Wise County HMFA $20.33 $1,057 $42,280 2.8 $70,800 $1,770 $21,240 $531 5,098 23% $15.16 $788 1.3

Counties
Anderson County $14.90 $775 $31,000 2.1 $55,900 $1,398 $16,770 $419 4,785 29% $16.11 $838 0.9
Andrews County $19.33 $1,005 $40,200 2.7 $84,200 $2,105 $25,260 $632 1,484 27% $25.92 $1,348 0.7
Angelina County $15.25 $793 $31,720 2.1 $57,500 $1,438 $17,250 $431 10,343 34% $11.65 $606 1.3
Aransas County $16.17 $841 $33,640 2.2 $61,500 $1,538 $18,450 $461 2,088 22% $12.62 $656 1.3
Archer County $15.08 $784 $31,360 2.1 $64,700 $1,618 $19,410 $485 528 16% $8.35 $434 1.8
Armstrong County $16.77 $872 $34,880 2.3 $66,900 $1,673 $20,070 $502 139 20% $17.87 $929 0.9
Atascosa County $16.25 $845 $33,800 2.2 $62,900 $1,573 $18,870 $472 3,804 25% $20.70 $1,076 0.8
Austin County $18.48 $961 $38,440 2.5 $82,200 $2,055 $24,660 $617 2,614 24% $11.20 $583 1.6
Bailey County $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 456 22% $18.02 $937 0.8
Bandera County $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 1,317 16% $10.24 $532 2.0
Bastrop County $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 5,715 23% $12.26 $637 2.1
Baylor County $13.73 $714 $28,560 1.9 $63,100 $1,578 $18,930 $473 423 29% $13.32 $693 1.0
Bee County $16.33 $849 $33,960 2.3 $51,200 $1,280 $15,360 $384 3,088 36% $12.31 $640 1.3
Bell County $15.10 $785 $31,400 2.1 $63,900 $1,598 $19,170 $479 54,989 46% $17.01 $885 0.9
Bexar County $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 260,541 41% $16.43 $854 1.2
Blanco County $15.85 $824 $32,960 2.2 $68,800 $1,720 $20,640 $516 951 22% $16.31 $848 1.0
Borden County $14.25 $741 $29,640 2.0 $92,600 $2,315 $27,780 $695 65 25% $10.68 $556 1.3
Bosque County $13.73 $714 $28,560 1.9 $59,800 $1,495 $17,940 $449 1,554 22% $14.38 $748 1.0
Bowie County $15.23 $792 $31,680 2.1 $69,800 $1,745 $20,940 $524 12,206 36% $12.06 $627 1.3
Brazoria County $20.48 $1,065 $42,600 2.8 $104,200 $2,605 $31,260 $782 33,460 28% $19.51 $1,015 1.0
Brazos County $18.04 $938 $37,520 2.5 $65,600 $1,640 $19,680 $492 42,561 54% $12.63 $657 1.4

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-234

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Brewster County $14.71 $765 $30,600 2.0 $56,900 $1,423 $17,070 $427 1,657 42% $15.08 $784 1.0
Briscoe County $13.73 $714 $28,560 1.9 $55,400 $1,385 $16,620 $416 162 26% $14.22 $739 1.0
Brooks County $13.73 $714 $28,560 1.9 $29,800 $745 $8,940 $224 771 38% $10.46 $544 1.3
Brown County $14.02 $729 $29,160 1.9 $57,900 $1,448 $17,370 $434 3,886 28% $13.21 $687 1.1
Burleson County $18.04 $938 $37,520 2.5 $65,600 $1,640 $19,680 $492 1,364 20% $18.39 $956 1.0
Burnet County $15.83 $823 $32,920 2.2 $70,800 $1,770 $21,240 $531 4,159 25% $13.69 $712 1.2
Caldwell County $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 4,503 34% $13.80 $718 1.9
Calhoun County $15.67 $815 $32,600 2.2 $72,700 $1,818 $21,810 $545 2,222 29% $25.43 $1,322 0.6
Callahan County $16.60 $863 $34,520 2.3 $64,800 $1,620 $19,440 $486 917 17% $15.37 $799 1.1
Cameron County $14.62 $760 $30,400 2.0 $47,800 $1,195 $14,340 $359 41,075 33% $9.14 $475 1.6
Camp County $13.73 $714 $28,560 1.9 $54,700 $1,368 $16,410 $410 1,326 28% $14.28 $743 1.0
Carson County $16.77 $872 $34,880 2.3 $66,900 $1,673 $20,070 $502 372 17% $24.38 $1,268 0.7
Cass County $13.73 $714 $28,560 1.9 $54,500 $1,363 $16,350 $409 2,583 22% $11.54 $600 1.2
Castro County $13.73 $714 $28,560 1.9 $52,800 $1,320 $15,840 $396 1,037 41% $15.19 $790 0.9
Chambers County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 2,175 16% $17.69 $920 1.2
Cherokee County $13.81 $718 $28,720 1.9 $55,900 $1,398 $16,770 $419 5,050 28% $12.15 $632 1.1
Childress County $14.77 $768 $30,720 2.0 $64,700 $1,618 $19,410 $485 924 41% $16.34 $850 0.9
Clay County $15.08 $784 $31,360 2.1 $64,700 $1,618 $19,410 $485 609 15% $11.57 $601 1.3
Cochran County $13.73 $714 $28,560 1.9 $55,500 $1,388 $16,650 $416 217 22% $13.26 $690 1.0
Coke County $13.73 $714 $28,560 1.9 $62,400 $1,560 $18,720 $468 407 25% $15.17 $789 0.9
Coleman County $13.73 $714 $28,560 1.9 $49,200 $1,230 $14,760 $369 995 29% $8.79 $457 1.6
Collin County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 113,972 34% $21.45 $1,115 1.2
Collingsworth County $13.73 $714 $28,560 1.9 $56,200 $1,405 $16,860 $422 242 23% $11.78 $612 1.2
Colorado County $13.73 $714 $28,560 1.9 $69,100 $1,728 $20,730 $518 1,370 18% $13.92 $724 1.0
Comal County $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 12,189 25% $12.84 $668 1.6
Comanche County $13.73 $714 $28,560 1.9 $52,200 $1,305 $15,660 $392 1,089 21% $12.12 $630 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-235

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Concho County $16.15 $840 $33,600 2.2 $63,900 $1,598 $19,170 $479 257 29% $13.35 $694 1.2
Cooke County $15.90 $827 $33,080 2.2 $74,200 $1,855 $22,260 $557 4,988 32% $14.70 $764 1.1
Coryell County $15.10 $785 $31,400 2.1 $63,900 $1,598 $19,170 $479 9,346 42% $16.40 $853 0.9
Cottle County $14.15 $736 $29,440 2.0 $49,900 $1,248 $14,970 $374 242 35% $12.79 $665 1.1
Crane County $13.73 $714 $28,560 1.9 $79,900 $1,998 $23,970 $599 196 14% $28.56 $1,485 0.5
Crockett County $13.73 $714 $28,560 1.9 $71,400 $1,785 $21,420 $536 399 29% $20.26 $1,054 0.7
Crosby County $16.50 $858 $34,320 2.3 $69,200 $1,730 $20,760 $519 593 29% $13.77 $716 1.2
Culberson County $13.81 $718 $28,720 1.9 $46,100 $1,153 $13,830 $346 221 32% $20.07 $1,044 0.7
Dallam County $14.38 $748 $29,920 2.0 $56,500 $1,413 $16,950 $424 890 37% $15.91 $827 0.9
Dallas County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 457,302 50% $25.63 $1,333 1.0
Dawson County $13.73 $714 $28,560 1.9 $55,500 $1,388 $16,650 $416 1,242 29% $10.50 $546 1.3
Deaf Smith County $15.75 $819 $32,760 2.2 $63,400 $1,585 $19,020 $476 2,254 37% $17.68 $919 0.9
Delta County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 517 26% $6.03 $314 2.3
Denton County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 100,604 36% $14.95 $777 1.7
DeWitt County $14.25 $741 $29,640 2.0 $69,700 $1,743 $20,910 $523 1,759 25% $14.47 $752 1.0
Dickens County $13.73 $714 $28,560 1.9 $58,800 $1,470 $17,640 $441 228 27% $11.40 $593 1.2
Dimmit County $14.25 $741 $29,640 2.0 $40,000 $1,000 $12,000 $300 915 28% $14.64 $761 1.0
Donley County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 324 25% $12.89 $670 1.1
Duval County $13.73 $714 $28,560 1.9 $43,100 $1,078 $12,930 $323 1,283 37% $14.23 $740 1.0
Eastland County $13.73 $714 $28,560 1.9 $46,700 $1,168 $14,010 $350 1,570 24% $26.64 $1,386 0.5
Ector County $22.38 $1,164 $46,560 3.1 $65,500 $1,638 $19,650 $491 17,855 34% $23.07 $1,199 1.0
Edwards County $14.25 $741 $29,640 2.0 $67,400 $1,685 $20,220 $506 126 18% $10.88 $566 1.3
Ellis County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 15,080 27% $13.53 $704 1.9
El Paso County $15.90 $827 $33,080 2.2 $52,500 $1,313 $15,750 $394 102,506 39% $11.92 $620 1.3
Erath County $15.19 $790 $31,600 2.1 $65,400 $1,635 $19,620 $491 4,970 36% $10.50 $546 1.4
Falls County $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 1,373 26% $7.71 $401 1.8

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-236

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Fannin County $14.27 $742 $29,680 2.0 $63,200 $1,580 $18,960 $474 3,274 27% $13.24 $688 1.1
Fayette County $14.48 $753 $30,120 2.0 $72,400 $1,810 $21,720 $543 1,764 19% $12.22 $635 1.2
Fisher County $13.73 $714 $28,560 1.9 $66,000 $1,650 $19,800 $495 427 26% $14.16 $737 1.0
Floyd County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 657 28% $11.27 $586 1.2
$14.25 $741 $29,640 2.0 $58,200 $1,455 $17,460 $437 91 16%
Fort Bend County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 51,397 22% $14.83 $771 1.4
Franklin County $13.73 $714 $28,560 1.9 $64,500 $1,613 $19,350 $484 876 23% $14.52 $755 0.9
Freestone County $13.73 $714 $28,560 1.9 $58,700 $1,468 $17,610 $440 1,702 25% $13.81 $718 1.0
Frio County $13.73 $714 $28,560 1.9 $47,900 $1,198 $14,370 $359 1,471 32% $22.72 $1,182 0.6
Gaines County $13.73 $714 $28,560 1.9 $66,900 $1,673 $20,070 $502 1,297 23% $19.20 $998 0.7
Galveston County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 40,213 34% $13.14 $683 1.6
Garza County $13.73 $714 $28,560 1.9 $60,100 $1,503 $18,030 $451 584 36% $14.19 $738 1.0
Gillespie County $17.98 $935 $37,400 2.5 $73,700 $1,843 $22,110 $553 2,863 27% $10.61 $552 1.7
Glasscock County $14.25 $741 $29,640 2.0 $97,600 $2,440 $29,280 $732 138 32% $16.67 $867 0.9
Goliad County $19.27 $1,002 $40,080 2.7 $68,800 $1,720 $20,640 $516 422 16% $5.27 $274 3.7
Gonzales County $13.73 $714 $28,560 1.9 $62,000 $1,550 $18,600 $465 2,291 32% $13.75 $715 1.0
Gray County $14.94 $777 $31,080 2.1 $63,900 $1,598 $19,170 $479 2,037 25% $16.37 $851 0.9
Grayson County $17.60 $915 $36,600 2.4 $76,000 $1,900 $22,800 $570 15,626 33% $14.98 $779 1.2
Gregg County $17.65 $918 $36,720 2.4 $64,800 $1,620 $19,440 $486 18,526 41% $15.78 $820 1.1
Grimes County $13.73 $714 $28,560 1.9 $60,800 $1,520 $18,240 $456 1,999 23% $14.51 $755 0.9
Guadalupe County $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 12,400 23% $15.10 $785 1.3
Hale County $13.73 $714 $28,560 1.9 $55,500 $1,388 $16,650 $416 4,400 39% $12.42 $646 1.1
Hall County $13.73 $714 $28,560 1.9 $40,000 $1,000 $12,000 $300 507 39% $11.33 $589 1.2
Hamilton County $13.73 $714 $28,560 1.9 $64,300 $1,608 $19,290 $482 591 19% $11.42 $594 1.2
Hansford County $14.40 $749 $29,960 2.0 $43,600 $1,090 $13,080 $327 498 27% $25.72 $1,337 0.6
Hardeman County $13.73 $714 $28,560 1.9 $55,800 $1,395 $16,740 $419 407 27% $12.75 $663 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-237

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Hardin County $16.48 $857 $34,280 2.3 $67,500 $1,688 $20,250 $506 4,053 20% $13.32 $693 1.2
Harris County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 717,841 45% $24.24 $1,261 0.9
Harrison County $15.12 $786 $31,440 2.1 $70,200 $1,755 $21,060 $527 6,122 26% $17.25 $897 0.9
Hartley County $15.13 $787 $31,480 2.1 $72,700 $1,818 $21,810 $545 612 36% $17.65 $918 0.9
Haskell County $13.73 $714 $28,560 1.9 $55,200 $1,380 $16,560 $414 507 24% $9.92 $516 1.4
Hays County $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 27,051 38% $10.67 $555 2.4
Hemphill County $16.19 $842 $33,680 2.2 $77,000 $1,925 $23,100 $578 482 36% $22.19 $1,154 0.7
Henderson County $15.31 $796 $31,840 2.1 $59,200 $1,480 $17,760 $444 7,302 24% $12.57 $654 1.2
Hidalgo County $14.29 $743 $29,720 2.0 $45,100 $1,128 $13,530 $338 74,912 32% $9.76 $507 1.5
Hill County $14.46 $752 $30,080 2.0 $61,100 $1,528 $18,330 $458 3,370 26% $13.65 $710 1.1
Hockley County $13.73 $714 $28,560 1.9 $62,600 $1,565 $18,780 $470 2,369 30% $20.38 $1,060 0.7
Hood County $20.63 $1,073 $42,920 2.8 $76,700 $1,918 $23,010 $575 5,150 23% $13.21 $687 1.6
Hopkins County $14.54 $756 $30,240 2.0 $60,800 $1,520 $18,240 $456 4,040 30% $12.69 $660 1.1
Houston County $13.73 $714 $28,560 1.9 $46,800 $1,170 $14,040 $351 2,549 31% $13.84 $720 1.0
Howard County $17.19 $894 $35,760 2.4 $64,200 $1,605 $19,260 $482 3,686 33% $16.87 $877 1.0
$15.10 $785 $31,400 2.1 $52,500 $1,313 $15,750 $394 217 24%
Hunt County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 9,923 31% $15.65 $814 1.6
Hutchinson County $14.87 $773 $30,920 2.1 $65,700 $1,643 $19,710 $493 1,372 19% $16.30 $848 0.9
Irion County $18.52 $963 $38,520 2.6 $72,400 $1,810 $21,720 $543 135 21% $28.39 $1,476 0.7
Jack County $14.67 $763 $30,520 2.0 $72,300 $1,808 $21,690 $542 576 18% $19.91 $1,035 0.7
Jackson County $15.50 $806 $32,240 2.1 $75,300 $1,883 $22,590 $565 1,671 32% $16.12 $838 1.0
Jasper County $14.94 $777 $31,080 2.1 $61,700 $1,543 $18,510 $463 2,933 23% $12.19 $634 1.2
Jeff Davis County $18.44 $959 $38,360 2.5 $69,700 $1,743 $20,910 $523 200 19% $14.90 $775 1.2
Jefferson County $16.48 $857 $34,280 2.3 $67,500 $1,688 $20,250 $506 36,377 39% $19.13 $995 0.9
Jim Hogg County $13.73 $714 $28,560 1.9 $44,800 $1,120 $13,440 $336 473 28% $7.57 $394 1.8
Jim Wells County $15.90 $827 $33,080 2.2 $55,400 $1,385 $16,620 $416 4,127 32% $14.32 $745 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-238

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Johnson County $22.40 $1,165 $46,600 3.1 $81,500 $2,038 $24,450 $611 14,652 26% $15.08 $784 1.5
Jones County $16.60 $863 $34,520 2.3 $64,800 $1,620 $19,440 $486 1,492 27% $15.73 $818 1.1
Karnes County $15.08 $784 $31,360 2.1 $68,200 $1,705 $20,460 $512 1,138 27% $23.40 $1,217 0.6
Kaufman County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 8,855 24% $11.95 $622 2.1
Kendall County $23.54 $1,224 $48,960 3.2 $100,800 $2,520 $30,240 $756 3,839 27% $14.73 $766 1.6
Kenedy County $14.25 $741 $29,640 2.0 $58,900 $1,473 $17,670 $442 138 66% $36.19 $1,882 0.4
$13.73 $714 $28,560 1.9 $74,300 $1,858 $22,290 $557 95 30%
Kerr County $15.35 $798 $31,920 2.1 $63,300 $1,583 $18,990 $475 5,796 28% $14.26 $741 1.1
Kimble County $14.08 $732 $29,280 1.9 $51,500 $1,288 $15,450 $386 468 24% $9.59 $499 1.5
$18.96 $986 $39,440 2.6 $86,900 $2,173 $26,070 $652 57 63%
Kinney County $15.52 $807 $32,280 2.1 $55,300 $1,383 $16,590 $415 302 26% $12.14 $631 1.3
Kleberg County $15.35 $798 $31,920 2.1 $57,600 $1,440 $17,280 $432 5,257 48% $9.81 $510 1.6
Knox County $13.73 $714 $28,560 1.9 $61,500 $1,538 $18,450 $461 208 16% $14.98 $779 0.9
Lamar County $13.83 $719 $28,760 1.9 $56,600 $1,415 $16,980 $425 6,761 35% $13.05 $679 1.1
Lamb County $13.73 $714 $28,560 1.9 $55,800 $1,395 $16,740 $419 1,409 30% $17.74 $923 0.8
Lampasas County $14.69 $764 $30,560 2.0 $70,800 $1,770 $21,240 $531 1,889 24% $11.88 $618 1.2
La Salle County $13.87 $721 $28,840 1.9 $50,900 $1,273 $15,270 $382 701 32% $32.01 $1,664 0.4
Lavaca County $13.98 $727 $29,080 1.9 $66,100 $1,653 $19,830 $496 1,936 25% $13.61 $708 1.0
Lee County $15.90 $827 $33,080 2.2 $70,200 $1,755 $21,060 $527 1,292 21% $19.00 $988 0.8
Leon County $13.73 $714 $28,560 1.9 $60,200 $1,505 $18,060 $452 1,342 21% $21.98 $1,143 0.6
Liberty County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 6,702 26% $15.30 $795 1.4
Limestone County $14.40 $749 $29,960 2.0 $54,100 $1,353 $16,230 $406 2,053 25% $13.79 $717 1.0
Lipscomb County $13.73 $714 $28,560 1.9 $77,000 $1,925 $23,100 $578 330 26% $22.94 $1,193 0.6
Live Oak County $13.73 $714 $28,560 1.9 $64,500 $1,613 $19,350 $484 705 19% $18.00 $936 0.8
Llano County $15.79 $821 $32,840 2.2 $66,600 $1,665 $19,980 $500 1,700 20% $10.75 $559 1.5
$14.25 $741 $29,640 2.0 $91,200 $2,280 $27,360 $684 12 36%

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-239

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Lubbock County $16.50 $858 $34,320 2.3 $69,200 $1,730 $20,760 $519 50,234 45% $12.92 $672 1.3
Lynn County $13.73 $714 $28,560 1.9 $57,100 $1,428 $17,130 $428 666 31% $14.33 $745 1.0
McCulloch County $14.90 $775 $31,000 2.1 $56,900 $1,423 $17,070 $427 820 25% $13.82 $719 1.1
McLennan County $17.31 $900 $36,000 2.4 $65,700 $1,643 $19,710 $493 36,824 41% $14.42 $750 1.2
McMullen County $14.25 $741 $29,640 2.0 $71,900 $1,798 $21,570 $539 60 27% $25.93 $1,348 0.5
Madison County $16.38 $852 $34,080 2.3 $59,900 $1,498 $17,970 $449 1,108 26% $10.96 $570 1.5
Marion County $13.73 $714 $28,560 1.9 $53,500 $1,338 $16,050 $401 961 22% $8.71 $453 1.6
Martin County $13.73 $714 $28,560 1.9 $88,000 $2,200 $26,400 $660 376 23% $20.59 $1,071 0.7
Mason County $16.90 $879 $35,160 2.3 $63,100 $1,578 $18,930 $473 483 29% $11.37 $591 1.5
Matagorda County $14.27 $742 $29,680 2.0 $58,600 $1,465 $17,580 $440 4,323 32% $26.48 $1,377 0.5
Maverick County $13.73 $714 $28,560 1.9 $45,100 $1,128 $13,530 $338 5,541 34% $8.87 $461 1.5
Medina County $15.65 $814 $32,560 2.2 $74,200 $1,855 $22,260 $557 3,121 20% $13.18 $685 1.2
Menard County $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 358 36% $7.30 $379 1.9
Midland County $25.94 $1,349 $53,960 3.6 $90,700 $2,268 $27,210 $680 18,619 33% $29.02 $1,509 0.9
Milam County $13.73 $714 $28,560 1.9 $58,100 $1,453 $17,430 $436 2,949 31% $14.49 $754 0.9
Mills County $13.73 $714 $28,560 1.9 $62,500 $1,563 $18,750 $469 323 18% $7.02 $365 2.0
Mitchell County $13.73 $714 $28,560 1.9 $70,800 $1,770 $21,240 $531 542 22% $19.52 $1,015 0.7
Montague County $16.21 $843 $33,720 2.2 $55,400 $1,385 $16,620 $416 2,315 29% $14.13 $735 1.1
Montgomery County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 55,283 29% $18.95 $985 1.1
Moore County $14.46 $752 $30,080 2.0 $61,900 $1,548 $18,570 $464 2,324 35% $17.07 $888 0.8
Morris County $13.73 $714 $28,560 1.9 $55,000 $1,375 $16,500 $413 1,288 26% $18.41 $957 0.7
Motley County $13.73 $714 $28,560 1.9 $55,100 $1,378 $16,530 $413 150 32% $11.44 $595 1.2
Nacogdoches County $15.71 $817 $32,680 2.2 $65,100 $1,628 $19,530 $488 10,459 44% $9.94 $517 1.6
Navarro County $15.23 $792 $31,680 2.1 $55,600 $1,390 $16,680 $417 5,306 30% $11.84 $616 1.3
Newton County $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 675 14% $10.37 $539 1.3
Nolan County $13.73 $714 $28,560 1.9 $60,400 $1,510 $18,120 $453 1,801 33% $13.14 $683 1.0

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-240

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Nueces County $19.21 $999 $39,960 2.6 $66,600 $1,665 $19,980 $500 54,354 42% $16.63 $865 1.2
Ochiltree County $14.15 $736 $29,440 2.0 $62,200 $1,555 $18,660 $467 937 27% $26.95 $1,402 0.5
Oldham County $18.96 $986 $39,440 2.6 $80,000 $2,000 $24,000 $600 119 23% $21.20 $1,102 0.9
Orange County $16.48 $857 $34,280 2.3 $67,500 $1,688 $20,250 $506 7,676 24% $17.18 $893 1.0
Palo Pinto County $14.83 $771 $30,840 2.0 $57,400 $1,435 $17,220 $431 2,812 27% $12.02 $625 1.2
Panola County $14.25 $741 $29,640 2.0 $61,100 $1,528 $18,330 $458 2,244 25% $15.71 $817 0.9
Parker County $22.40 $1,165 $46,600 3.1 $81,500 $2,038 $24,450 $611 9,815 22% $13.34 $693 1.7
Parmer County $13.73 $714 $28,560 1.9 $57,400 $1,435 $17,220 $431 1,017 31% $15.08 $784 0.9
Pecos County $16.23 $844 $33,760 2.2 $74,200 $1,855 $22,260 $557 1,322 29% $19.06 $991 0.9
Polk County $14.08 $732 $29,280 1.9 $57,600 $1,440 $17,280 $432 4,202 24% $12.14 $631 1.2
Potter County $16.77 $872 $34,880 2.3 $66,900 $1,673 $20,070 $502 19,629 45% $15.77 $820 1.1
Presidio County $13.73 $714 $28,560 1.9 $36,900 $923 $11,070 $277 1,224 47% $12.67 $659 1.1
Rains County $13.73 $714 $28,560 1.9 $63,900 $1,598 $19,170 $479 924 21% $10.60 $551 1.3
Randall County $16.77 $872 $34,880 2.3 $66,900 $1,673 $20,070 $502 14,627 30% $13.87 $721 1.2
Reagan County $15.13 $787 $31,480 2.1 $79,700 $1,993 $23,910 $598 346 30% $24.60 $1,279 0.6
Real County $15.48 $805 $32,200 2.1 $53,900 $1,348 $16,170 $404 227 19% $9.46 $492 1.6
Red River County $13.73 $714 $28,560 1.9 $47,400 $1,185 $14,220 $356 1,215 24% $14.34 $746 1.0
Reeves County $14.31 $744 $29,760 2.0 $63,300 $1,583 $18,990 $475 1,088 29% $27.13 $1,411 0.5
Refugio County $14.08 $732 $29,280 1.9 $63,400 $1,585 $19,020 $476 748 29% $13.01 $676 1.1
Roberts County $14.25 $741 $29,640 2.0 $95,700 $2,393 $28,710 $718 79 25% $23.45 $1,220 0.6
Robertson County $18.04 $938 $37,520 2.5 $65,600 $1,640 $19,680 $492 1,553 24% $11.47 $597 1.6
Rockwall County $25.27 $1,314 $52,560 3.5 $86,200 $2,155 $25,860 $647 6,228 20% $12.23 $636 2.1
Runnels County $13.73 $714 $28,560 1.9 $53,800 $1,345 $16,140 $404 1,138 30% $12.97 $674 1.1
Rusk County $15.73 $818 $32,720 2.2 $59,800 $1,495 $17,940 $449 4,193 23% $13.60 $707 1.2
Sabine County $13.73 $714 $28,560 1.9 $44,100 $1,103 $13,230 $331 482 12% $9.73 $506 1.4
San Augustine County $13.98 $727 $29,080 1.9 $51,700 $1,293 $15,510 $388 667 20% $11.87 $617 1.2

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-241

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

San Jacinto County $13.73 $714 $28,560 1.9 $59,600 $1,490 $17,880 $447 1,692 18% $10.75 $559 1.3
San Patricio County $19.21 $999 $39,960 2.6 $66,600 $1,665 $19,980 $500 7,518 33% $17.48 $909 1.1
San Saba County $13.73 $714 $28,560 1.9 $55,200 $1,380 $16,560 $414 701 33% $16.69 $868 0.8
Schleicher County $14.25 $741 $29,640 2.0 $76,600 $1,915 $22,980 $575 234 21% $19.01 $988 0.7
Scurry County $16.08 $836 $33,440 2.2 $72,900 $1,823 $21,870 $547 1,385 24% $22.93 $1,192 0.7
Shackelford County $13.73 $714 $28,560 1.9 $60,500 $1,513 $18,150 $454 237 19% $28.56 $1,485 0.5
Shelby County $13.73 $714 $28,560 1.9 $50,000 $1,250 $15,000 $375 2,420 26% $9.68 $503 1.4
Sherman County $13.73 $714 $28,560 1.9 $66,300 $1,658 $19,890 $497 251 24% $12.21 $635 1.1
Smith County $17.75 $923 $36,920 2.4 $65,600 $1,640 $19,680 $492 26,351 34% $15.40 $801 1.2
Somervell County $16.90 $879 $35,160 2.3 $62,700 $1,568 $18,810 $470 901 28% $24.57 $1,278 0.7
Starr County $13.73 $714 $28,560 1.9 $32,500 $813 $9,750 $244 4,229 26% $6.81 $354 2.0
$13.73 $714 $28,560 1.9 $58,200 $1,455 $17,460 $437 625 19%
Sterling County $14.25 $741 $29,640 2.0 $72,000 $1,800 $21,600 $540 64 14% $24.32 $1,264 0.6
Stonewall County $14.25 $741 $29,640 2.0 $75,300 $1,883 $22,590 $565 142 24% $9.72 $506 1.5
Sutton County $13.73 $714 $28,560 1.9 $65,700 $1,643 $19,710 $493 485 33% $32.22 $1,675 0.4
Swisher County $13.73 $714 $28,560 1.9 $49,600 $1,240 $14,880 $372 727 29% $11.55 $600 1.2
Tarrant County $22.40 $1,165 $46,600 3.1 $81,500 $2,038 $24,450 $611 276,285 40% $18.20 $946 1.2
Taylor County $16.60 $863 $34,520 2.3 $64,800 $1,620 $19,440 $486 20,465 41% $15.36 $798 1.1
$15.67 $815 $32,600 2.2 $58,900 $1,473 $17,670 $442 65 16%
Terry County $13.73 $714 $28,560 1.9 $50,200 $1,255 $15,060 $377 1,264 31% $16.27 $846 0.8
Throckmorton County $13.73 $714 $28,560 1.9 $61,800 $1,545 $18,540 $464 205 29% $8.14 $424 1.7
Titus County $13.73 $714 $28,560 1.9 $54,100 $1,353 $16,230 $406 3,610 34% $12.19 $634 1.1
Tom Green County $18.52 $963 $38,520 2.6 $72,400 $1,810 $21,720 $543 16,170 37% $14.21 $739 1.3
Travis County $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 219,276 48% $23.51 $1,223 1.1
Trinity County $15.50 $806 $32,240 2.1 $45,500 $1,138 $13,650 $341 1,228 21% $11.21 $583 1.4
Tyler County $13.73 $714 $28,560 1.9 $63,800 $1,595 $19,140 $479 1,030 15% $8.06 $419 1.7

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-242

 FY20 HOUSING AREA MEDIAN
Texas WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
TEXAS Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Upshur County $17.65 $918 $36,720 2.4 $64,800 $1,620 $19,440 $486 3,074 22% $13.41 $697 1.3
Upton County $13.73 $714 $28,560 1.9 $71,700 $1,793 $21,510 $538 353 27% $30.98 $1,611 0.4
Uvalde County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 2,260 26% $11.11 $578 1.2
Val Verde County $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 5,716 37% $11.48 $597 1.2
Van Zandt County $14.73 $766 $30,640 2.0 $62,700 $1,568 $18,810 $470 4,467 23% $13.26 $689 1.1
Victoria County $19.27 $1,002 $40,080 2.7 $68,800 $1,720 $20,640 $516 11,113 34% $14.93 $776 1.3
Walker County $17.27 $898 $35,920 2.4 $55,500 $1,388 $16,650 $416 10,565 49% $10.31 $536 1.7
Waller County $21.08 $1,096 $43,840 2.9 $78,800 $1,970 $23,640 $591 4,791 32% $13.33 $693 1.6
Ward County $14.17 $737 $29,480 2.0 $80,700 $2,018 $24,210 $605 1,147 29% $30.94 $1,609 0.5
Washington County $16.56 $861 $34,440 2.3 $71,000 $1,775 $21,300 $533 3,199 26% $10.36 $539 1.6
Webb County $16.58 $862 $34,480 2.3 $50,600 $1,265 $15,180 $380 27,642 38% $9.93 $517 1.7
Wharton County $13.79 $717 $28,680 1.9 $61,000 $1,525 $18,300 $458 5,036 33% $12.69 $660 1.1
Wheeler County $13.73 $714 $28,560 1.9 $60,900 $1,523 $18,270 $457 839 37% $16.91 $879 0.8
Wichita County $15.08 $784 $31,360 2.1 $64,700 $1,618 $19,410 $485 18,667 39% $12.88 $670 1.2
Wilbarger County $13.73 $714 $28,560 1.9 $56,400 $1,410 $16,920 $423 1,962 37% $13.77 $716 1.0
Willacy County $13.73 $714 $28,560 1.9 $33,300 $833 $9,990 $250 1,465 25% $11.56 $601 1.2
Williamson County $26.08 $1,356 $54,240 3.6 $97,600 $2,440 $29,280 $732 54,532 31% $18.60 $967 1.4
Wilson County $20.21 $1,051 $42,040 2.8 $72,000 $1,800 $21,600 $540 2,724 17% $11.78 $613 1.7
Winkler County $13.73 $714 $28,560 1.9 $65,900 $1,648 $19,770 $494 473 18% $26.85 $1,396 0.5
Wise County $20.33 $1,057 $42,280 2.8 $70,800 $1,770 $21,240 $531 5,098 23% $15.16 $788 1.3
Wood County $14.54 $756 $30,240 2.0 $59,100 $1,478 $17,730 $443 3,310 20% $10.12 $526 1.4
Yoakum County $13.73 $714 $28,560 1.9 $73,700 $1,843 $22,110 $553 555 21% $24.41 $1,269 0.6
Young County $13.73 $714 $28,560 1.9 $61,600 $1,540 $18,480 $462 1,558 22% $15.09 $784 0.9
Zapata County $13.73 $714 $28,560 1.9 $42,200 $1,055 $12,660 $317 1,302 30% $15.04 $782 0.9
Zavala County $13.73 $714 $28,560 1.9 $34,000 $850 $10,200 $255 1,031 29% $9.17 $477 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION TX-243

 UTAH #24* STATE
RANKING

In Utah, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,031. In order to afford this level of rent and utilities — without paying more $19.83
than 30% of income on housing — a household must earn $3,438 monthly or PER HOUR
$41,251 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT UTAH:

STATE FACTS 109
Work Hours Per Week At
90
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.94
2-Bedroom Housing Wage $19.83
2.7 2.2
Number of Renter Households 288,634 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 30%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1031
$845
$24.15
One bedroom FMR
Summit County
Rent affordable at area $2067
$22.62
median income (AMI)
Salt Lake City HMFA Rent affordable with full-time job paying
mean renter wage
$777
Wasatch County $21.15 Rent affordable at 30% of AMI $620

Ogden-Clearfield HMFA $19.69

Rent affordable with full-time job
paying minimum wage $377
$235
$18.44
Rent affordable to SSI recipient
St. George MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION UT-244
 FY20 HOUSING AREA MEDIAN
Utah WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
UTAH Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Utah $19.83 $1,031 $41,251 2.7 $82,685 $2,067 $24,805 $620 288,634 30% $14.94 $777 1.3
Combined Nonmetro Areas $16.39 $852 $34,099 2.3 $74,501 $1,863 $22,350 $559 27,944 26% $12.67 $659 1.3

Metropolitan Areas
Box Elder County HMFA $15.31 $796 $31,840 2.1 $69,200 $1,730 $20,760 $519 4,078 24% $12.62 $656 1.2
Logan MSA $13.77 $716 $28,640 1.9 $71,000 $1,775 $21,300 $533 14,074 37% $10.02 $521 1.4
Ogden-Clearfield HMFA $19.69 $1,024 $40,960 2.7 $86,300 $2,158 $25,890 $647 46,226 25% $12.40 $645 1.6
Provo-Orem MSA $17.81 $926 $37,040 2.5 $80,400 $2,010 $24,120 $603 52,732 32% $14.25 $741 1.2
Salt Lake City HMFA $22.62 $1,176 $47,040 3.1 $87,900 $2,198 $26,370 $659 122,970 33% $17.10 $889 1.3
St. George MSA $18.44 $959 $38,360 2.5 $70,700 $1,768 $21,210 $530 16,577 30% $12.93 $672 1.4
Tooele County HMFA $18.31 $952 $38,080 2.5 $80,800 $2,020 $24,240 $606 4,033 20% $10.59 $551 1.7

Counties
Beaver County $13.73 $714 $28,560 1.9 $67,000 $1,675 $20,100 $503 591 26% $12.18 $633 1.1
Box Elder County $15.31 $796 $31,840 2.1 $69,200 $1,730 $20,760 $519 4,078 24% $12.62 $656 1.2
Cache County $13.77 $716 $28,640 1.9 $71,000 $1,775 $21,300 $533 14,074 37% $10.02 $521 1.4
Carbon County $13.73 $714 $28,560 1.9 $63,700 $1,593 $19,110 $478 2,125 27% $12.16 $632 1.1
Daggett County $15.08 $784 $31,360 2.1 $88,600 $2,215 $26,580 $665 16 11% $10.91 $567 1.4
Davis County $19.69 $1,024 $40,960 2.7 $86,300 $2,158 $25,890 $647 23,043 22% $13.08 $680 1.5
Duchesne County $16.00 $832 $33,280 2.2 $73,700 $1,843 $22,110 $553 1,685 25% $15.74 $818 1.0
Emery County $13.73 $714 $28,560 1.9 $69,100 $1,728 $20,730 $518 761 21% $13.90 $723 1.0
Garfield County $13.73 $714 $28,560 1.9 $67,300 $1,683 $20,190 $505 373 21% $9.58 $498 1.4
Grand County $15.12 $786 $31,440 2.1 $62,600 $1,565 $18,780 $470 1,413 35% $12.17 $633 1.2
Iron County $13.73 $714 $28,560 1.9 $59,700 $1,493 $17,910 $448 5,784 36% $10.20 $531 1.3
Juab County $17.81 $926 $37,040 2.5 $80,400 $2,010 $24,120 $603 688 20% $12.36 $643 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION UT-245

 FY20 HOUSING AREA MEDIAN
Utah WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
UTAH Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Kane County $15.08 $784 $31,360 2.1 $73,700 $1,843 $22,110 $553 551 21% $11.36 $590 1.3
Millard County $13.73 $714 $28,560 1.9 $68,700 $1,718 $20,610 $515 937 22% $13.33 $693 1.0
Morgan County $19.69 $1,024 $40,960 2.7 $86,300 $2,158 $25,890 $647 525 16% $10.29 $535 1.9
Piute County $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 60 12% $11.91 $619 1.2
Rich County $15.08 $784 $31,360 2.1 $67,300 $1,683 $20,190 $505 143 23% $8.72 $453 1.7
Salt Lake County $22.62 $1,176 $47,040 3.1 $87,900 $2,198 $26,370 $659 122,970 33% $17.10 $889 1.3
San Juan County $13.73 $714 $28,560 1.9 $53,900 $1,348 $16,170 $404 798 20% $13.82 $719 1.0
Sanpete County $14.08 $732 $29,280 1.9 $62,200 $1,555 $18,660 $467 2,175 26% $10.64 $553 1.3
Sevier County $13.73 $714 $28,560 1.9 $62,900 $1,573 $18,870 $472 1,641 23% $10.98 $571 1.2
Summit County $24.15 $1,256 $50,240 3.3 $113,900 $2,848 $34,170 $854 3,462 24% $13.77 $716 1.8
Tooele County $18.31 $952 $38,080 2.5 $80,800 $2,020 $24,240 $606 4,033 20% $10.59 $551 1.7
Uintah County $18.04 $938 $37,520 2.5 $78,500 $1,963 $23,550 $589 2,427 23% $14.71 $765 1.2
Utah County $17.81 $926 $37,040 2.5 $80,400 $2,010 $24,120 $603 52,044 32% $14.27 $742 1.2
Wasatch County $21.15 $1,100 $44,000 2.9 $88,400 $2,210 $26,520 $663 2,747 29% $13.39 $696 1.6
Washington County $18.44 $959 $38,360 2.5 $70,700 $1,768 $21,210 $530 16,577 30% $12.93 $672 1.4
Wayne County $13.73 $714 $28,560 1.9 $62,700 $1,568 $18,810 $470 255 25% $12.36 $643 1.1
Weber County $19.69 $1,024 $40,960 2.7 $86,300 $2,158 $25,890 $647 22,658 27% $11.65 $606 1.7

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION UT-246

 VERMONT #16* STATE
RANKING

In Vermont, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,215. In order to afford this level of rent and utilities — without paying more $23.36
than 30% of income on housing — a household must earn $4,050 monthly or PER HOUR
$48,597 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT VERMONT:

STATE FACTS 85
Work Hours Per Week At
68
Work Hours Per Week At
Minimum Wage $10.96 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.81
2-Bedroom Housing Wage $23.36
2.1 1.7
Number of Renter Households 76,019 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 29%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1215
$969
$30.25
One bedroom FMR
Burlington-South Burlington MSA
Rent affordable at area
$1968
$20.96
median income (AMI)
Washington County Rent affordable with full-time
job paying mean renter wage $718
Addison County $20.40 Rent affordable at 30% of AMI $591
$20.04 $570
Rent affordable with full-time job
Lamoille County paying minimum wage

$250
$19.69
Rent affordable to SSI recipient
Windham County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VT-247
TOWNS WITHIN VERMONT FMR AREAS
BURLINGTON-SOUTH BURLINGTON, VT MSA
CHITTENDEN COUNTY
Bolton town, Buels gore, Burlington city, Charlotte town, Colchester town, Essex town, Hinesburg town, Huntington town, Jericho
town, Milton town, Richmond town, Shelburne town, South Burlington city, St. George town, Underhill town, Westford town, Williston
town, Winooski city
FRANKLIN COUNTY
Bakersfield town, Berkshire town, Enosburgh town, Fairfax town, Fairfield town, Fletcher town, Franklin town, Georgia town, Highgate
town, Montgomery town, Richford town, Sheldon town, St. Albans city, St. Albans town, Swanton town
GRAND ISLE COUNTY
Alburgh town, Grand Isle town, Isle La Motte town, North Hero town, South Hero town

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VT-248

 FY20 HOUSING AREA MEDIAN
Ver mont WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VERMONT Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Vermont $23.36 $1,215 $48,597 2.1 $78,736 $1,968 $23,621 $591 76,019 29% $13.81 $718 1.7
Combined Nonmetro Areas $19.00 $988 $39,527 1.7 $73,213 $1,830 $21,964 $549 46,544 27% $12.70 $660 1.5

Metropolitan Areas
Burlington-South Burlington MSA $30.25 $1,573 $62,920 2.8 $89,700 $2,243 $26,910 $673 29,475 34% $15.44 $803 2.0

Counties
Addison County $20.40 $1,061 $42,440 1.9 $80,700 $2,018 $24,210 $605 3,819 26% $15.92 $828 1.3
Bennington County $17.98 $935 $37,400 1.6 $69,900 $1,748 $20,970 $524 3,979 27% $13.00 $676 1.4
Caledonia County $16.85 $876 $35,040 1.5 $66,600 $1,665 $19,980 $500 3,397 28% $12.15 $632 1.4
Essex County $14.65 $762 $30,480 1.3 $51,500 $1,288 $15,450 $386 547 20% $11.52 $599 1.3
Lamoille County $20.04 $1,042 $41,680 1.8 $71,800 $1,795 $21,540 $539 2,915 27% $10.41 $541 1.9
Orange County $19.02 $989 $39,560 1.7 $74,400 $1,860 $22,320 $558 2,345 19% $12.04 $626 1.6
Orleans County $15.02 $781 $31,240 1.4 $59,800 $1,495 $17,940 $449 2,682 23% $11.66 $606 1.3
Rutland County $18.12 $942 $37,680 1.7 $71,500 $1,788 $21,450 $536 6,914 27% $11.65 $606 1.6
Washington County $20.96 $1,090 $43,600 1.9 $80,300 $2,008 $24,090 $602 7,261 29% $14.05 $731 1.5
Windham County $19.69 $1,024 $40,960 1.8 $70,900 $1,773 $21,270 $532 6,158 32% $12.64 $658 1.6
Windsor County $19.58 $1,018 $40,720 1.8 $79,300 $1,983 $23,790 $595 6,527 27% $11.96 $622 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VT-249

 VIRGINIA #14* STATE
RANKING

In Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is

$1,229. In order to afford this level of rent and utilities — without paying more $23.64
than 30% of income on housing — a household must earn $4,097 monthly or PER HOUR
$49,167 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT VIRGINIA:

STATE FACTS 130
Work Hours Per Week At
112
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $18.67
2-Bedroom Housing Wage $23.64
3.3 2.8
Number of Renter Households 1,057,536 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 34%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1229
$1052
$32.83
One bedroom FMR
Washington-Arlington-Alexandria HMFA
Rent affordable at area
$2332
$24.27
median income (AMI)
Charlottesville HMFA Rent affordable with full-time job
paying mean renter wage $971
Virginia Beach-Norfolk-Newport News HMFA $21.85 Rent affordable at 30% of AMI $700
$21.38 $377
Rent affordable with full-time job
King George County paying minimum wage

$235
$21.00
Rent affordable to SSI recipient
Rappahannock County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-250
 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Virginia $23.64 $1,229 $49,167 3.3 $93,280 $2,332 $27,984 $700 1,057,536 34% $18.67 $971 1.3
Combined Nonmetro Areas $14.94 $777 $31,085 2.1 $59,668 $1,492 $17,900 $448 117,136 28% $11.70 $608 1.3

Metropolitan Areas
Blacksburg-Christiansburg-Radford HMFA $19.10 $993 $39,720 2.6 $87,800 $2,195 $26,340 $659 18,715 46% $10.49 $545 1.8
Buckingham County HMFA $14.40 $749 $29,960 2.0 $61,700 $1,543 $18,510 $463 1,442 25% $11.85 $616 1.2
Charlottesville HMFA $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 30,492 37% $16.33 $849 1.5
Culpeper County HMFA $19.46 $1,012 $40,480 2.7 $85,200 $2,130 $25,560 $639 4,364 26% $12.25 $637 1.6
Floyd County HMFA $13.73 $714 $28,560 1.9 $61,600 $1,540 $18,480 $462 1,154 18% $10.02 $521 1.4
Franklin County HMFA $13.79 $717 $28,680 1.9 $67,200 $1,680 $20,160 $504 4,657 20% $8.86 $461 1.6
Giles County HMFA $14.10 $733 $29,320 1.9 $61,000 $1,525 $18,300 $458 1,624 23% $17.12 $890 0.8
Harrisonburg MSA $17.35 $902 $36,080 2.4 $71,900 $1,798 $21,570 $539 18,484 39% $13.45 $700 1.3
Kingsport-Bristol-Bristol MSA $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 10,506 27% $10.91 $567 1.3
Lynchburg MSA $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 29,593 29% $14.28 $742 1.1
Pulaski County HMFA $13.87 $721 $28,840 1.9 $60,500 $1,513 $18,150 $454 4,018 28% $13.20 $687 1.1
Rappahannock County HMFA $21.00 $1,092 $43,680 2.9 $88,700 $2,218 $26,610 $665 780 26% $9.21 $479 2.3
Richmond MSA $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 166,759 34% $17.68 $920 1.2
Roanoke HMFA $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 36,098 34% $15.05 $783 1.1
Staunton-Waynesboro MSA $17.29 $899 $35,960 2.4 $71,400 $1,785 $21,420 $536 14,518 30% $13.82 $719 1.3
Virginia Beach-Norfolk-Newport News HMFA $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 245,769 39% $15.18 $789 1.4
Warren County HMFA $19.56 $1,017 $40,680 2.7 $81,400 $2,035 $24,420 $611 3,307 23% $11.08 $576 1.8
Washington-Arlington-Alexandria HMFA $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 335,608 34% $24.73 $1,286 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-251

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Winchester MSA $19.75 $1,027 $41,080 2.7 $83,400 $2,085 $25,020 $626 12,512 30% $16.25 $845 1.2

Counties
Accomack County $15.23 $792 $31,680 2.1 $56,400 $1,410 $16,920 $423 4,308 32% $13.68 $711 1.1
Albemarle County $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 15,221 37% $16.49 $858 1.5
Alleghany County $14.23 $740 $29,600 2.0 $60,700 $1,518 $18,210 $455 1,504 22% $7.72 $402 1.8
Amelia County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 753 16% $10.97 $571 1.9
Amherst County $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 2,695 22% $11.24 $585 1.4
Appomattox County $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 1,362 22% $6.18 $322 2.6
Arlington County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 59,212 57% $34.59 $1,799 0.9
Augusta County $17.29 $899 $35,960 2.4 $71,400 $1,785 $21,420 $536 6,187 21% $15.19 $790 1.1
Bath County $14.06 $731 $29,240 1.9 $65,600 $1,640 $19,680 $492 556 28% $17.78 $924 0.8
Bedford County $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 5,734 18% $11.87 $617 1.3
Bland County $13.73 $714 $28,560 1.9 $62,200 $1,555 $18,660 $467 436 17% $10.62 $552 1.3
Botetourt County $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 1,808 14% $11.59 $602 1.4
Brunswick County $15.79 $821 $32,840 2.2 $55,800 $1,395 $16,740 $419 1,712 28% $10.68 $556 1.5
Buchanan County $13.73 $714 $28,560 1.9 $41,700 $1,043 $12,510 $313 1,946 22% $17.32 $901 0.8
Buckingham County $14.40 $749 $29,960 2.0 $61,700 $1,543 $18,510 $463 1,442 25% $11.85 $616 1.2
Campbell County $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 5,686 25% $16.48 $857 1.0
Caroline County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 2,043 19% $13.69 $712 1.5
Carroll County $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 2,849 23% $8.89 $463 1.5
Charles City County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 469 16% $13.89 $722 1.5
Charlotte County $13.73 $714 $28,560 1.9 $51,100 $1,278 $15,330 $383 1,387 31% $10.35 $538 1.3
Chesterfield County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 30,188 25% $14.94 $777 1.4
Clarke County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 1,423 25% $10.29 $535 3.2
Craig County $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 630 28% $10.09 $525 1.6

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-252

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Culpeper County $19.46 $1,012 $40,480 2.7 $85,200 $2,130 $25,560 $639 4,364 26% $12.25 $637 1.6
Cumberland County $19.17 $997 $39,880 2.6 $63,200 $1,580 $18,960 $474 1,071 27% $12.35 $642 1.6
Dickenson County $13.73 $714 $28,560 1.9 $42,600 $1,065 $12,780 $320 1,385 24% $12.76 $663 1.1
Dinwiddie County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 2,491 24% $13.56 $705 1.5
Essex County $18.31 $952 $38,080 2.5 $63,600 $1,590 $19,080 $477 1,355 30% $11.12 $578 1.6
Fairfax County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 126,101 32% $28.66 $1,490 1.1
Fauquier County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 5,316 22% $13.67 $711 2.4
Floyd County $13.73 $714 $28,560 1.9 $61,600 $1,540 $18,480 $462 1,154 18% $10.02 $521 1.4
Fluvanna County $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 1,586 16% $11.81 $614 2.1
Franklin County $13.79 $717 $28,680 1.9 $67,200 $1,680 $20,160 $504 4,657 20% $8.86 $461 1.6
Frederick County $19.75 $1,027 $41,080 2.7 $83,400 $2,085 $25,020 $626 6,908 22% $15.48 $805 1.3
Giles County $14.10 $733 $29,320 1.9 $61,000 $1,525 $18,300 $458 1,624 23% $17.12 $890 0.8
Gloucester County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 3,498 24% $9.81 $510 2.2
Goochland County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 1,269 15% $27.47 $1,429 0.7
Grayson County $13.73 $714 $28,560 1.9 $47,900 $1,198 $14,370 $359 1,358 21% $9.25 $481 1.5
Greene County $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 1,459 20% $11.66 $606 2.1
Greensville County $15.77 $820 $32,800 2.2 $50,400 $1,260 $15,120 $378 990 27% $13.72 $714 1.1
Halifax County $13.73 $714 $28,560 1.9 $58,900 $1,473 $17,670 $442 3,549 25% $11.34 $589 1.2
Hanover County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 7,086 18% $12.87 $669 1.6
Henrico County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 47,408 37% $18.50 $962 1.1
Henry County $13.73 $714 $28,560 1.9 $52,300 $1,308 $15,690 $392 5,969 28% $10.95 $569 1.3
Highland County $13.73 $714 $28,560 1.9 $64,000 $1,600 $19,200 $480 203 18% $10.58 $550 1.3
Isle of Wight County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 3,612 25% $11.82 $615 1.8
James City County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 7,332 25% $10.50 $546 2.1
King and Queen County $17.02 $885 $35,400 2.3 $60,600 $1,515 $18,180 $455 464 16% $15.28 $795 1.1
King George County $21.38 $1,112 $44,480 2.9 $99,800 $2,495 $29,940 $749 2,089 23% $16.11 $838 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-253

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

King William County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 849 14% $12.35 $642 1.7
Lancaster County $19.13 $995 $39,800 2.6 $71,600 $1,790 $21,480 $537 1,252 24% $8.91 $463 2.1
Lee County $13.73 $714 $28,560 1.9 $49,300 $1,233 $14,790 $370 2,684 29% $6.83 $355 2.0
Loudoun County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 27,796 22% $18.06 $939 1.8
Louisa County $18.60 $967 $38,680 2.6 $74,300 $1,858 $22,290 $557 2,757 20% $14.70 $765 1.3
Lunenburg County $13.73 $714 $28,560 1.9 $50,200 $1,255 $15,060 $377 1,243 29% $11.49 $598 1.2
Madison County $18.44 $959 $38,360 2.5 $61,700 $1,543 $18,510 $463 1,364 27% $11.76 $611 1.6
Mathews County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 502 13% $8.98 $467 2.4
Mecklenburg County $14.27 $742 $29,680 2.0 $58,000 $1,450 $17,400 $435 3,558 30% $11.17 $581 1.3
Middlesex County $18.63 $969 $38,760 2.6 $64,100 $1,603 $19,230 $481 869 20% $15.62 $812 1.2
Montgomery County $19.10 $993 $39,720 2.6 $87,800 $2,195 $26,340 $659 15,953 45% $10.39 $540 1.8
Nelson County $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 1,658 26% $10.26 $533 2.4
New Kent County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 1,148 15% $11.65 $606 1.8
Northampton County $16.37 $851 $34,040 2.3 $58,000 $1,450 $17,400 $435 1,780 35% $10.03 $522 1.6
Northumberland County $14.62 $760 $30,400 2.0 $69,800 $1,745 $20,940 $524 834 15% $11.35 $590 1.3
Nottoway County $15.00 $780 $31,200 2.1 $50,700 $1,268 $15,210 $380 2,146 39% $10.21 $531 1.5
Orange County $17.19 $894 $35,760 2.4 $81,600 $2,040 $24,480 $612 3,005 22% $10.99 $571 1.6
Page County $14.21 $739 $29,560 2.0 $57,000 $1,425 $17,100 $428 2,792 30% $10.33 $537 1.4
Patrick County $13.73 $714 $28,560 1.9 $56,300 $1,408 $16,890 $422 1,807 24% $6.40 $333 2.1
Pittsylvania County $13.73 $714 $28,560 1.9 $58,900 $1,473 $17,670 $442 6,580 25% $12.30 $639 1.1
Powhatan County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 1,059 10% $13.39 $696 1.5
Prince Edward County $17.42 $906 $36,240 2.4 $59,400 $1,485 $17,820 $446 2,379 33% $11.30 $587 1.5
Prince George County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 3,767 33% $15.49 $806 1.3
Prince William County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 37,662 27% $13.87 $721 2.4
Pulaski County $13.87 $721 $28,840 1.9 $60,500 $1,513 $18,150 $454 4,018 28% $13.20 $687 1.1
Rappahannock County $21.00 $1,092 $43,680 2.9 $88,700 $2,218 $26,610 $665 780 26% $9.21 $479 2.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-254

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Richmond County $17.12 $890 $35,600 2.4 $56,500 $1,413 $16,950 $424 877 28% $10.93 $568 1.6
Roanoke County $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 9,940 26% $14.54 $756 1.1
Rockbridge County $15.33 $797 $31,880 2.1 $61,200 $1,530 $18,360 $459 1,946 22% $9.54 $496 1.6
Rockingham County $17.35 $902 $36,080 2.4 $71,900 $1,798 $21,570 $539 8,114 26% $14.21 $739 1.2
Russell County $13.73 $714 $28,560 1.9 $56,000 $1,400 $16,800 $420 2,622 24% $12.46 $648 1.1
Scott County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 1,934 22% $9.62 $500 1.4
Shenandoah County $16.13 $839 $33,560 2.2 $67,900 $1,698 $20,370 $509 5,086 29% $11.20 $582 1.4
Smyth County $13.73 $714 $28,560 1.9 $53,500 $1,338 $16,050 $401 3,688 29% $9.25 $481 1.5
Southampton County $15.73 $818 $32,720 2.2 $66,300 $1,658 $19,890 $497 1,751 27% $11.08 $576 1.4
Spotsylvania County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 9,754 22% $12.43 $647 2.6
Stafford County $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 11,039 24% $12.23 $636 2.7
Surry County $14.46 $752 $30,080 2.0 $65,000 $1,625 $19,500 $488 639 23% $29.48 $1,533 0.5
Sussex County $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 1,250 33% $11.29 $587 1.8
Tazewell County $13.83 $719 $28,760 1.9 $55,600 $1,390 $16,680 $417 4,119 24% $13.07 $680 1.1
Warren County $19.56 $1,017 $40,680 2.7 $81,400 $2,035 $24,420 $611 3,307 23% $11.08 $576 1.8
Washington County $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 5,532 25% $11.22 $583 1.2
Westmoreland County $16.87 $877 $35,080 2.3 $76,900 $1,923 $23,070 $577 1,943 26% $9.10 $473 1.9
Wise County $13.73 $714 $28,560 1.9 $50,600 $1,265 $15,180 $380 5,146 34% $8.48 $441 1.6
Wythe County $13.83 $719 $28,760 1.9 $58,600 $1,465 $17,580 $440 2,843 24% $9.93 $517 1.4
York County $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 6,941 28% $12.58 $654 1.7
Alexandria city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 39,990 57% $26.17 $1,361 1.3
Bristol city $13.73 $714 $28,560 1.9 $59,100 $1,478 $17,730 $443 3,040 41% $10.81 $562 1.3
Buena Vista city $15.33 $797 $31,880 2.1 $61,200 $1,530 $18,360 $459 845 33% $14.04 $730 1.1
Charlottesville city $24.27 $1,262 $50,480 3.3 $93,900 $2,348 $28,170 $704 10,568 57% $17.72 $921 1.4
Chesapeake city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 24,147 29% $12.82 $667 1.7
Colonial Heights city $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 2,570 36% $9.55 $496 2.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-255

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Covington city $14.23 $740 $29,600 2.0 $60,700 $1,518 $18,210 $455 638 26% $17.22 $895 0.8
Danville city $13.73 $714 $28,560 1.9 $58,900 $1,473 $17,670 $442 8,601 47% $12.87 $669 1.1
Emporia city $15.77 $820 $32,800 2.2 $50,400 $1,260 $15,120 $378 1,240 59% $11.42 $594 1.4
Fairfax city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 2,487 29% $15.87 $825 2.1
Falls Church city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 2,019 38% $21.78 $1,133 1.5
Franklin city $15.73 $818 $32,720 2.2 $66,300 $1,658 $19,890 $497 1,771 50% $10.79 $561 1.5
Fredericksburg city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 6,753 64% $17.56 $913 1.9
Galax city $13.73 $714 $28,560 1.9 $54,600 $1,365 $16,380 $410 943 34% $8.04 $418 1.7
Hampton city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 23,533 44% $14.57 $758 1.5
Harrisonburg city $17.35 $902 $36,080 2.4 $71,900 $1,798 $21,570 $539 10,370 62% $12.56 $653 1.4
Hopewell city $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 4,621 50% $22.66 $1,178 0.9
Lexington city $15.33 $797 $31,880 2.1 $61,200 $1,530 $18,360 $459 934 47% $11.97 $623 1.3
Lynchburg city $15.79 $821 $32,840 2.2 $72,400 $1,810 $21,720 $543 14,116 50% $15.21 $791 1.0
Manassas city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 4,448 35% $19.45 $1,012 1.7
Manassas Park city $32.83 $1,707 $68,280 4.5 $126,000 $3,150 $37,800 $945 1,608 34% $19.62 $1,020 1.7
Martinsville city $13.73 $714 $28,560 1.9 $52,300 $1,308 $15,690 $392 2,347 42% $11.79 $613 1.2
Newport News city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 35,281 51% $18.55 $964 1.2
Norfolk city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 50,126 57% $18.48 $961 1.2
Norton city $13.73 $714 $28,560 1.9 $50,600 $1,265 $15,180 $380 976 54% $10.80 $562 1.3
Petersburg city $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 7,898 59% $16.45 $855 1.2
Poquoson city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 766 17% $9.08 $472 2.4
Portsmouth city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 16,661 46% $15.06 $783 1.5
Radford city $19.10 $993 $39,720 2.6 $87,800 $2,195 $26,340 $659 2,762 51% $11.26 $585 1.7
Richmond city $20.40 $1,061 $42,440 2.8 $89,400 $2,235 $26,820 $671 51,890 58% $21.87 $1,137 0.9
Roanoke city $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 20,254 48% $15.64 $813 1.0
Salem city $16.23 $844 $33,760 2.2 $76,700 $1,918 $23,010 $575 3,466 35% $16.14 $839 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-256

 FY20 HOUSING AREA MEDIAN
Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Staunton city $17.29 $899 $35,960 2.4 $71,400 $1,785 $21,420 $536 4,546 43% $12.06 $627 1.4
Suffolk city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 10,197 31% $11.75 $611 1.9
Virginia Beach city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 60,804 36% $14.97 $778 1.5
Waynesboro city $17.29 $899 $35,960 2.4 $71,400 $1,785 $21,420 $536 3,785 41% $11.89 $618 1.5
Williamsburg city $21.85 $1,136 $45,440 3.0 $82,500 $2,063 $24,750 $619 2,369 51% $12.02 $625 1.8
Winchester city $19.75 $1,027 $41,080 2.7 $83,400 $2,085 $25,020 $626 5,604 53% $17.14 $892 1.2

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION VA-257

 WASHINGTON #6* STATE
RANKING

In Washington, the Fair Market Rent (FMR) for a two-bedroom apartment

is $1,584. In order to afford this level of rent and utilities — without paying $30.46
more than 30% of income on housing — a household must earn $5,279 monthly PER HOUR
or $63,352 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT WASHINGTON:

STATE FACTS 90
Work Hours Per Week At
73
Work Hours Per Week At
Minimum Wage $13.50 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $21.90
2-Bedroom Housing Wage $30.46
2.3 1.8
Number of Renter Households 1,043,871 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 37%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $1584
$1286
$40.37
One bedroom FMR
Seattle-Bellevue HMFA
Rent affordable at area $2337
$28.75
median income (AMI)
Portland-Vancouver-Hillsboro MSA Rent affordable with full-time
job paying mean renter wage
$1139
Tacoma HMFA $27.08 Rent affordable at 30% of AMI $701

$24.92 $702
Rent affordable with full-time job
Bremerton-Silverdale MSA paying minimum wage

$247
$23.69
Rent affordable to SSI recipient
San Juan County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WA-258
 FY20 HOUSING AREA MEDIAN
Was hing ton WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WASHINGTON Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Washington $30.46 $1,584 $63,352 2.3 $93,484 $2,337 $28,045 $701 1,043,871 37% $21.90 $1,139 1.4
Combined Nonmetro Areas $18.34 $954 $38,152 1.4 $67,870 $1,697 $20,361 $509 95,114 33% $12.31 $640 1.5

Metropolitan Areas
Bellingham MSA $22.60 $1,175 $47,000 1.7 $86,300 $2,158 $25,890 $647 32,293 38% $13.89 $722 1.6
Bremerton-Silverdale MSA $24.92 $1,296 $51,840 1.8 $91,700 $2,293 $27,510 $688 33,968 33% $13.48 $701 1.8
Columbia County HMFA $19.25 $1,001 $40,040 1.4 $66,300 $1,658 $19,890 $497 549 31% $14.16 $737 1.4
Kennewick-Richland MSA $20.94 $1,089 $43,560 1.6 $77,500 $1,938 $23,250 $581 30,705 32% $15.18 $789 1.4
Lewiston MSA $16.69 $868 $34,720 1.2 $73,900 $1,848 $22,170 $554 2,722 30% $12.89 $670 1.3
Longview MSA $18.90 $983 $39,320 1.4 $69,200 $1,730 $20,760 $519 14,059 34% $15.06 $783 1.3
Mount Vernon-Anacortes MSA $23.23 $1,208 $48,320 1.7 $78,400 $1,960 $23,520 $588 15,559 32% $15.47 $804 1.5
Olympia-Tumwater MSA $22.52 $1,171 $46,840 1.7 $86,700 $2,168 $26,010 $650 39,279 36% $15.69 $816 1.4
Pend Oreille County HMFA $16.00 $832 $33,280 1.2 $60,700 $1,518 $18,210 $455 1,239 21% $14.55 $756 1.1
Portland-Vancouver-Hillsboro MSA $28.75 $1,495 $59,800 2.1 $92,100 $2,303 $27,630 $691 58,780 33% $16.71 $869 1.7
Seattle-Bellevue HMFA $40.37 $2,099 $83,960 3.0 $113,300 $2,833 $33,990 $850 467,385 40% $28.43 $1,478 1.4
Spokane HMFA * $17.50 $910 $36,400 1.3 $78,500 $1,963 $23,550 $589 74,150 37% $14.49 $753 1.2
Stevens County HMFA $14.06 $731 $29,240 1.0 $63,500 $1,588 $19,050 $476 3,914 22% $10.11 $526 1.4
Tacoma HMFA $27.08 $1,408 $56,320 2.0 $87,300 $2,183 $26,190 $655 121,809 38% $16.29 $847 1.7
Walla Walla County HMFA $20.06 $1,043 $41,720 1.5 $69,900 $1,748 $20,970 $524 7,904 35% $12.95 $673 1.5
Wenatchee MSA $20.27 $1,054 $42,160 1.5 $69,400 $1,735 $20,820 $521 14,143 33% $12.99 $676 1.6
Yakima MSA $19.48 $1,013 $40,520 1.4 $57,200 $1,430 $17,160 $429 30,299 37% $13.05 $678 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WA-259

 FY20 HOUSING AREA MEDIAN
Was hing ton WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WASHINGTON Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Counties
Adams County $15.17 $789 $31,560 1.1 $58,000 $1,450 $17,400 $435 2,151 37% $14.79 $769 1.0
Asotin County $16.69 $868 $34,720 1.2 $73,900 $1,848 $22,170 $554 2,722 30% $12.89 $670 1.3
Benton County $20.94 $1,089 $43,560 1.6 $77,500 $1,938 $23,250 $581 22,461 32% $15.98 $831 1.3
Chelan County $20.27 $1,054 $42,160 1.5 $69,400 $1,735 $20,820 $521 9,584 34% $13.46 $700 1.5
Clallam County $20.02 $1,041 $41,640 1.5 $66,300 $1,658 $19,890 $497 9,606 29% $11.37 $591 1.8
Clark County $28.75 $1,495 $59,800 2.1 $92,100 $2,303 $27,630 $691 57,426 33% $16.79 $873 1.7
Columbia County $19.25 $1,001 $40,040 1.4 $66,300 $1,658 $19,890 $497 549 31% $14.16 $737 1.4
Cowlitz County $18.90 $983 $39,320 1.4 $69,200 $1,730 $20,760 $519 14,059 34% $15.06 $783 1.3
Douglas County $20.27 $1,054 $42,160 1.5 $69,400 $1,735 $20,820 $521 4,559 30% $11.31 $588 1.8
Ferry County $15.77 $820 $32,800 1.2 $55,100 $1,378 $16,530 $413 827 27% $7.64 $397 2.1
Franklin County $20.94 $1,089 $43,560 1.6 $77,500 $1,938 $23,250 $581 8,244 31% $13.00 $676 1.6
$14.08 $732 $29,280 1.0 $64,600 $1,615 $19,380 $485 298 30%
Grant County $16.27 $846 $33,840 1.2 $74,600 $1,865 $22,380 $560 11,705 38% $13.81 $718 1.2
Grays Harbor County $16.44 $855 $34,200 1.2 $65,300 $1,633 $19,590 $490 9,549 34% $12.16 $633 1.4
Island County $21.90 $1,139 $45,560 1.6 $76,000 $1,900 $22,800 $570 10,553 31% $12.42 $646 1.8
Jefferson County $19.62 $1,020 $40,800 1.5 $68,600 $1,715 $20,580 $515 3,806 27% $11.33 $589 1.7
King County $40.37 $2,099 $83,960 3.0 $113,300 $2,833 $33,990 $850 371,184 43% $30.25 $1,573 1.3
Kitsap County $24.92 $1,296 $51,840 1.8 $91,700 $2,293 $27,510 $688 33,968 33% $13.48 $701 1.8
Kittitas County $19.42 $1,010 $40,400 1.4 $74,900 $1,873 $22,470 $562 7,646 42% $9.55 $497 2.0
Klickitat County $18.00 $936 $37,440 1.3 $65,600 $1,640 $19,680 $492 2,877 34% $17.57 $914 1.0
Lewis County $18.42 $958 $38,320 1.4 $63,400 $1,585 $19,020 $476 9,166 30% $14.07 $731 1.3
Lincoln County $13.96 $726 $29,040 1.0 $65,400 $1,635 $19,620 $491 935 21% $12.40 $645 1.1
Mason County $20.13 $1,047 $41,880 1.5 $65,900 $1,648 $19,770 $494 5,502 23% $11.28 $586 1.8
Okanogan County $15.98 $831 $33,240 1.2 $53,900 $1,348 $16,170 $404 5,926 34% $9.41 $489 1.7
Pacific County $17.48 $909 $36,360 1.3 $57,600 $1,440 $17,280 $432 2,017 22% $9.07 $471 1.9

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WA-260

 FY20 HOUSING AREA MEDIAN
Was hing ton WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WASHINGTON Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Pend Oreille County $16.00 $832 $33,280 1.2 $60,700 $1,518 $18,210 $455 1,239 21% $14.55 $756 1.1
Pierce County $27.08 $1,408 $56,320 2.0 $87,300 $2,183 $26,190 $655 121,809 38% $16.29 $847 1.7
San Juan County $23.69 $1,232 $49,280 1.8 $78,400 $1,960 $23,520 $588 2,104 26% $11.29 $587 2.1
Skagit County $23.23 $1,208 $48,320 1.7 $78,400 $1,960 $23,520 $588 15,559 32% $15.47 $804 1.5
Skamania County $28.75 $1,495 $59,800 2.1 $92,100 $2,303 $27,630 $691 1,354 29% $9.36 $487 3.1
Snohomish County $40.37 $2,099 $83,960 3.0 $113,300 $2,833 $33,990 $850 96,201 33% $19.46 $1,012 2.1
Spokane County * $17.50 $910 $36,400 1.3 $78,500 $1,963 $23,550 $589 74,150 37% $14.49 $753 1.2
Stevens County $14.06 $731 $29,240 1.0 $63,500 $1,588 $19,050 $476 3,914 22% $10.11 $526 1.4
Thurston County $22.52 $1,171 $46,840 1.7 $86,700 $2,168 $26,010 $650 39,279 36% $15.69 $816 1.4
Wahkiakum County $15.42 $802 $32,080 1.1 $61,800 $1,545 $18,540 $464 261 14% $10.16 $528 1.5
Walla Walla County $20.06 $1,043 $41,720 1.5 $69,900 $1,748 $20,970 $524 7,904 35% $12.95 $673 1.5
Whatcom County $22.60 $1,175 $47,000 1.7 $86,300 $2,158 $25,890 $647 32,293 38% $13.89 $722 1.6
Whitman County $16.92 $880 $35,200 1.3 $72,300 $1,808 $21,690 $542 10,185 57% $11.40 $593 1.5
Yakima County $19.48 $1,013 $40,520 1.4 $57,200 $1,430 $17,160 $429 30,299 37% $13.05 $678 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WA-261

 WEST VIRGINIA STATE
RANKING #49*
In West Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment
is $778. In order to afford this level of rent and utilities — without paying $14.97
more than 30% of income on housing — a household must earn $2,595 monthly PER HOUR
or $31,135 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT WEST VIRGINIA:

STATE FACTS 68
Work Hours Per Week At
56
Work Hours Per Week At
Minimum Wage $8.75 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $13.03
2-Bedroom Housing Wage $14.97
1.7 1.4
Number of Renter Households 198,796 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 27%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $778
$640
$19.75
One bedroom FMR
Winchester MSA
Rent affordable at area
$1538
$18.29
median income (AMI)
Martinsburg HMFA Rent affordable with full-time job paying
mean renter wage $678
Putnam County $17.60 Rent affordable at 30% of AMI $461
$17.29 $455
Rent affordable with full-time job
Jefferson County paying minimum wage

$235
$16.92
Rent affordable to SSI recipient
Morgantown MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WV-262
 FY20 HOUSING AREA MEDIAN
Wes t Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WEST VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage in come F u ll-tjobs
Ann ual income ime at
jobs a t Montlyre n t rent Emean
st i m a t e d rrent
ent F u lrenter
l-time wage
jobs a t
Hourlynecessary
wage
ne ce ssa rto
y tafford
o e de d to miminimum
n eneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le R e nRenter
ter %%ofoftototal
ta l u rly me an aaffordable
h orenter f for da b le mneeded
e an re n tto
er
2 BR afford 2 nwage
t o a f for d
to afford
e e d e d to a ff ord
Annual affordable 30% aatt 330%
0% households hhouseholds rewage
nter wage at mean
at mean wage afford needed to
affor2d BR¹
1
2 B RFMR² 2 BFMR
R AnAMI
n ua4l afforda ble5 30% households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter
enter w age affo2rdBR2 FMR
wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

West Virginia $14.97 $778 $31,135 1.7 $61,519 $1,538 $18,456 $461 198,796 27% $13.03 $678 1.1
Combined Nonmetro Areas $13.46 $700 $27,989 1.5 $56,055 $1,401 $16,816 $420 68,549 24% $13.12 $682 1.0

Metropolitan Areas
Boone County HMFA $12.96 $674 $26,960 1.5 $50,300 $1,258 $15,090 $377 2,228 24% $13.77 $716 0.9
Charleston HMFA $16.00 $832 $33,280 1.8 $55,700 $1,393 $16,710 $418 25,344 31% $14.93 $776 1.1
Cumberland MSA $13.73 $714 $28,560 1.6 $61,900 $1,548 $18,570 $464 3,135 28% $11.65 $606 1.2
Fayette County HMFA $12.83 $667 $26,680 1.5 $50,600 $1,265 $15,180 $380 3,707 21% $8.94 $465 1.4
Huntington-Ashland HMFA $15.54 $808 $32,320 1.8 $59,100 $1,478 $17,730 $443 19,024 34% $11.17 $581 1.4
Jefferson County HMFA $17.29 $899 $35,960 2.0 $94,700 $2,368 $28,410 $710 5,255 25% $10.09 $525 1.7
Lincoln County HMFA $13.29 $691 $27,640 1.5 $48,700 $1,218 $14,610 $365 1,790 23% $8.12 $422 1.6
Martinsburg HMFA $18.29 $951 $38,040 2.1 $74,300 $1,858 $22,290 $557 11,212 26% $12.38 $644 1.5
Morgantown MSA $16.92 $880 $35,200 1.9 $73,900 $1,848 $22,170 $554 19,084 37% $13.74 $714 1.2
Parkersburg-Vienna MSA $14.50 $754 $30,160 1.7 $64,300 $1,608 $19,290 $482 10,784 28% $11.31 $588 1.3
Putnam County HMFA $17.60 $915 $36,600 2.0 $77,100 $1,928 $23,130 $578 3,841 18% $15.49 $806 1.1
Raleigh County HMFA $14.50 $754 $30,160 1.7 $54,300 $1,358 $16,290 $407 8,089 26% $11.10 $577 1.3
Weirton-Steubenville MSA $13.38 $696 $27,840 1.5 $62,400 $1,560 $18,720 $468 6,076 27% $12.22 $636 1.1
Wheeling MSA $14.17 $737 $29,480 1.6 $68,900 $1,723 $20,670 $517 7,774 26% $14.78 $768 1.0
Winchester MSA $19.75 $1,027 $41,080 2.3 $83,400 $2,085 $25,020 $626 2,904 30% $9.40 $489 2.1

Counties
Barbour County $12.73 $662 $26,480 1.5 $50,000 $1,250 $15,000 $375 1,883 29% $11.34 $590 1.1
Berkeley County $18.29 $951 $38,040 2.1 $74,300 $1,858 $22,290 $557 11,212 26% $12.38 $644 1.5

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WV-263

 FY20 HOUSING AREA MEDIAN
Wes t Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WEST VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time atjobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourly wage
necessary e de d to miminimum
neneeded n imu m wa g e MMonthly
onth ly rerent
nt aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
ne ce ssato
ry afford
to 2 BR
affor2d BR¹
1
2 B RFMR² 2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord AAnnual
n nu a4l afaffordable
forda ble5 3 0 %30% aat
t 330%
0% h ouhouseholds
seholds h ohouseholds
useholds te r wage atatmmean
re nwage ean wage nafford
eeded to
2 FMR
FMR 2 BBMR
R F MRFMR 2BR
2 BRFMR³
F MR 3 AMI 4
AMI atatAM
AMI
I
5 of AMI
of AMI ooff AAMI
MI (2 0 1(2014-2018)
4 -2 0 1 8 ) (2(2014-2018)
014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage 2 BFMR
R FMR
FMR

Boone County $12.96 $674 $26,960 1.5 $50,300 $1,258 $15,090 $377 2,228 24% $13.77 $716 0.9
Braxton County $12.73 $662 $26,480 1.5 $55,900 $1,398 $16,770 $419 1,142 21% $12.58 $654 1.0
Brooke County $13.38 $696 $27,840 1.5 $62,400 $1,560 $18,720 $468 2,520 25% $11.46 $596 1.2
Cabell County $15.54 $808 $32,320 1.8 $59,100 $1,478 $17,730 $443 14,980 38% $11.40 $593 1.4
Calhoun County $12.85 $668 $26,720 1.5 $51,000 $1,275 $15,300 $383 550 19% $10.34 $538 1.2
Clay County $16.00 $832 $33,280 1.8 $55,700 $1,393 $16,710 $418 585 18% $7.67 $399 2.1
Doddridge County $13.13 $683 $27,320 1.5 $62,100 $1,553 $18,630 $466 354 13% $23.63 $1,229 0.6
Fayette County $12.83 $667 $26,680 1.5 $50,600 $1,265 $15,180 $380 3,707 21% $8.94 $465 1.4
Gilmer County $12.73 $662 $26,480 1.5 $52,300 $1,308 $15,690 $392 728 27% $8.80 $458 1.4
Grant County $12.73 $662 $26,480 1.5 $54,000 $1,350 $16,200 $405 889 20% $12.71 $661 1.0
Greenbrier County $14.06 $731 $29,240 1.6 $54,400 $1,360 $16,320 $408 4,340 28% $10.93 $569 1.3
Hampshire County $19.75 $1,027 $41,080 2.3 $83,400 $2,085 $25,020 $626 2,904 30% $9.40 $489 2.1
Hancock County $13.38 $696 $27,840 1.5 $62,400 $1,560 $18,720 $468 3,556 28% $12.86 $669 1.0
Hardy County $12.73 $662 $26,480 1.5 $49,500 $1,238 $14,850 $371 1,541 28% $14.47 $752 0.9
Harrison County $14.94 $777 $31,080 1.7 $77,600 $1,940 $23,280 $582 7,275 27% $13.12 $682 1.1
Jackson County $12.73 $662 $26,480 1.5 $58,800 $1,470 $17,640 $441 2,408 22% $21.21 $1,103 0.6
Jefferson County $17.29 $899 $35,960 2.0 $94,700 $2,368 $28,410 $710 5,255 25% $10.09 $525 1.7
Kanawha County $16.00 $832 $33,280 1.8 $55,700 $1,393 $16,710 $418 24,759 31% $15.01 $780 1.1
Lewis County $13.58 $706 $28,240 1.6 $51,600 $1,290 $15,480 $387 1,981 30% $18.36 $955 0.7
Lincoln County $13.29 $691 $27,640 1.5 $48,700 $1,218 $14,610 $365 1,790 23% $8.12 $422 1.6
Logan County $12.73 $662 $26,480 1.5 $53,300 $1,333 $15,990 $400 3,693 27% $13.13 $683 1.0
McDowell County $12.73 $662 $26,480 1.5 $34,000 $850 $10,200 $255 1,591 21% $16.10 $837 0.8
Marion County $15.60 $811 $32,440 1.8 $63,600 $1,590 $19,080 $477 5,753 25% $13.79 $717 1.1
Marshall County $14.17 $737 $29,480 1.6 $68,900 $1,723 $20,670 $517 2,414 20% $21.90 $1,139 0.6
Mason County $12.73 $662 $26,480 1.5 $52,900 $1,323 $15,870 $397 2,162 20% $15.36 $799 0.8
Mercer County $12.73 $662 $26,480 1.5 $53,200 $1,330 $15,960 $399 7,206 29% $11.40 $593 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WV-264

 FY20 HOUSING AREA MEDIAN
Wes t Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WEST VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time atjobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourly wage
necessary e de d to miminimum
neneeded n imu m wa g e MMonthly
onth ly rerent
nt aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
ne ce ssato
ry afford
to 2 BR
affor2d BR¹
1
2 B RFMR² 2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord AAnnual
n nu a4l afaffordable
forda ble5 3 0 %30% aat
t 330%
0% h ouhouseholds
seholds h ohouseholds
useholds te r wage atatmmean
re nwage ean wage nafford
eeded to
2 FMR
FMR 2 BBMR
R F MRFMR 2BR
2 BRFMR³
F MR 3 AMI 4
AMI atatAM
AMI
I
5 of AMI
of AMI ooff AAMI
MI (2 0 1(2014-2018)
4 -2 0 1 8 ) (2(2014-2018)
014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage 2 BFMR
R FMR
FMR

Mineral County $13.73 $714 $28,560 1.6 $61,900 $1,548 $18,570 $464 3,135 28% $11.65 $606 1.2
Mingo County $13.33 $693 $27,720 1.5 $43,100 $1,078 $12,930 $323 2,802 26% $13.66 $710 1.0
Monongalia County $16.92 $880 $35,200 1.9 $73,900 $1,848 $22,170 $554 17,004 44% $14.14 $735 1.2
Monroe County $12.73 $662 $26,480 1.5 $48,200 $1,205 $14,460 $362 1,152 20% $12.09 $629 1.1
Morgan County $14.50 $754 $30,160 1.7 $63,600 $1,590 $19,080 $477 1,274 18% $10.64 $553 1.4
Nicholas County $12.73 $662 $26,480 1.5 $53,700 $1,343 $16,110 $403 2,215 21% $8.21 $427 1.6
Ohio County $14.17 $737 $29,480 1.6 $68,900 $1,723 $20,670 $517 5,360 31% $11.58 $602 1.2
Pendleton County $12.73 $662 $26,480 1.5 $50,100 $1,253 $15,030 $376 593 19% $11.46 $596 1.1
Pleasants County $13.56 $705 $28,200 1.5 $59,700 $1,493 $17,910 $448 589 21% $16.50 $858 0.8
Pocahontas County $12.73 $662 $26,480 1.5 $58,200 $1,455 $17,460 $437 663 19% $10.95 $569 1.2
Preston County $16.92 $880 $35,200 1.9 $73,900 $1,848 $22,170 $554 2,080 17% $9.91 $515 1.7
Putnam County $17.60 $915 $36,600 2.0 $77,100 $1,928 $23,130 $578 3,841 18% $15.49 $806 1.1
Raleigh County $14.50 $754 $30,160 1.7 $54,300 $1,358 $16,290 $407 8,089 26% $11.10 $577 1.3
Randolph County $13.12 $682 $27,280 1.5 $55,800 $1,395 $16,740 $419 3,325 30% $11.15 $580 1.2
Ritchie County $12.73 $662 $26,480 1.5 $55,000 $1,375 $16,500 $413 795 20% $11.25 $585 1.1
Roane County $12.73 $662 $26,480 1.5 $48,700 $1,218 $14,610 $365 1,304 23% $11.55 $601 1.1
Summers County $12.73 $662 $26,480 1.5 $45,400 $1,135 $13,620 $341 1,417 26% $10.52 $547 1.2
Taylor County $13.08 $680 $27,200 1.5 $61,300 $1,533 $18,390 $460 1,498 22% $15.04 $782 0.9
Tucker County $12.73 $662 $26,480 1.5 $57,900 $1,448 $17,370 $434 642 21% $7.84 $408 1.6
Tyler County $13.19 $686 $27,440 1.5 $56,800 $1,420 $17,040 $426 638 19% $10.91 $567 1.2
Upshur County $13.62 $708 $28,320 1.6 $55,300 $1,383 $16,590 $415 2,323 25% $13.53 $704 1.0
Wayne County $15.54 $808 $32,320 1.8 $59,100 $1,478 $17,730 $443 4,044 26% $9.22 $480 1.7
Webster County $13.62 $708 $28,320 1.6 $44,600 $1,115 $13,380 $335 1,079 28% $7.49 $390 1.8
Wetzel County $12.73 $662 $26,480 1.5 $51,700 $1,293 $15,510 $388 1,191 20% $8.36 $435 1.5
Wirt County $14.50 $754 $30,160 1.7 $64,300 $1,608 $19,290 $482 450 18% $7.93 $413 1.8
Wood County $14.50 $754 $30,160 1.7 $64,300 $1,608 $19,290 $482 10,334 29% $11.35 $590 1.3

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WV-265

 FY20 HOUSING AREA MEDIAN
Wes t Virg inia WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WEST VIRGINIA Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Wyoming County $12.73 $662 $26,480 1.5 $51,900 $1,298 $15,570 $389 1,553 18% $12.32 $641 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WV-266

 WISCONSIN #32* STATE
RANKING

In Wisconsin, the Fair Market Rent (FMR) for a two-bedroom apartment is

$898. In order to afford this level of rent and utilities — without paying more $17.27
than 30% of income on housing — a household must earn $2,993 monthly or PER HOUR
$35,913 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT WISCONSIN:

STATE FACTS 95
Work Hours Per Week At
77
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $14.32
2-Bedroom Housing Wage $17.27
2.4 1.9
Number of Renter Households 775,089 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 33%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $898
$721
$23.35
One bedroom FMR
Minneapolis-St. Paul-Bloomington HMFA
Rent affordable at area
$2011
$22.81
median income (AMI)
Madison HMFA Rent affordable with full-time job paying
mean renter wage $744
Kenosha County $20.00 Rent affordable at 30% of AMI $603
$17.73 $377
Rent affordable with full-time job
Milwaukee-Waukesha-West Allis MSA paying minimum wage

$260
$17.60
Rent affordable to SSI recipient
Columbia County
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WI-267
 FY20 HOUSING AREA MEDIAN
Wis cons in WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WISCONSIN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Wisconsin $17.27 $898 $35,913 2.4 $80,442 $2,011 $24,133 $603 775,089 33% $14.32 $744 1.2
Combined Nonmetro Areas $15.01 $781 $31,224 2.1 $69,618 $1,740 $20,885 $522 162,758 26% $11.93 $620 1.3

Metropolitan Areas
Appleton MSA $15.58 $810 $32,400 2.1 $86,400 $2,160 $25,920 $648 25,217 27% $14.06 $731 1.1
Columbia County HMFA $17.60 $915 $36,600 2.4 $81,800 $2,045 $24,540 $614 6,300 26% $11.29 $587 1.6
Duluth MSA $15.69 $816 $32,640 2.2 $76,800 $1,920 $23,040 $576 6,262 33% $12.22 $635 1.3
Eau Claire MSA $15.17 $789 $31,560 2.1 $76,700 $1,918 $23,010 $575 21,955 33% $12.87 $669 1.2
Fond du Lac MSA $14.87 $773 $30,920 2.1 $79,200 $1,980 $23,760 $594 11,898 29% $13.18 $685 1.1
Green Bay HMFA $15.81 $822 $32,880 2.2 $82,300 $2,058 $24,690 $617 37,941 34% $14.72 $765 1.1
Green County HMFA $15.73 $818 $32,720 2.2 $79,000 $1,975 $23,700 $593 3,860 26% $11.11 $578 1.4
Iowa County HMFA $16.60 $863 $34,520 2.3 $78,500 $1,963 $23,550 $589 2,584 26% $13.87 $721 1.2
Janesville-Beloit MSA $15.98 $831 $33,240 2.2 $70,300 $1,758 $21,090 $527 20,681 32% $13.91 $724 1.1
Kenosha County HMFA $20.00 $1,040 $41,600 2.8 $77,700 $1,943 $23,310 $583 21,616 34% $12.87 $669 1.6
La Crosse-Onalaska MSA $15.94 $829 $33,160 2.2 $76,800 $1,920 $23,040 $576 17,439 37% $13.82 $719 1.2
Madison HMFA $22.81 $1,186 $47,440 3.1 $100,100 $2,503 $30,030 $751 92,207 42% $16.30 $848 1.4
Milwaukee-Waukesha-West Allis MSA $17.73 $922 $36,880 2.4 $83,800 $2,095 $25,140 $629 251,106 40% $16.05 $835 1.1
Minneapolis-St. Paul-Bloomington HMFA $23.35 $1,214 $48,560 3.2 $103,400 $2,585 $31,020 $776 12,268 25% $11.00 $572 2.1
Oconto County HMFA $13.73 $714 $28,560 1.9 $70,700 $1,768 $21,210 $530 2,709 17% $9.84 $512 1.4
Oshkosh-Neenah MSA $15.13 $787 $31,480 2.1 $80,800 $2,020 $24,240 $606 24,570 35% $15.25 $793 1.0
Racine MSA $16.65 $866 $34,640 2.3 $84,600 $2,115 $25,380 $635 24,562 32% $12.88 $670 1.3
Sheboygan MSA $14.08 $732 $29,280 1.9 $73,400 $1,835 $22,020 $551 14,110 30% $14.16 $736 1.0

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WI-268

 FY20 HOUSING AREA MEDIAN
Wis cons in WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WISCONSIN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Wausau MSA $14.94 $777 $31,080 2.1 $79,900 $1,998 $23,970 $599 15,046 27% $13.52 $703 1.1

Counties
Adams County $14.62 $760 $30,400 2.0 $55,600 $1,390 $16,680 $417 1,491 17% $10.84 $564 1.3
Ashland County $14.23 $740 $29,600 2.0 $59,000 $1,475 $17,700 $443 2,073 32% $11.25 $585 1.3
Barron County $14.33 $745 $29,800 2.0 $65,000 $1,625 $19,500 $488 4,766 25% $10.37 $539 1.4
Bayfield County $15.02 $781 $31,240 2.1 $64,500 $1,613 $19,350 $484 1,200 17% $9.91 $515 1.5
Brown County $15.81 $822 $32,880 2.2 $82,300 $2,058 $24,690 $617 36,228 35% $14.87 $773 1.1
Buffalo County $14.83 $771 $30,840 2.0 $68,500 $1,713 $20,550 $514 1,409 25% $11.83 $615 1.3
Burnett County $14.50 $754 $30,160 2.0 $59,800 $1,495 $17,940 $449 1,387 19% $10.17 $529 1.4
Calumet County $15.58 $810 $32,400 2.1 $86,400 $2,160 $25,920 $648 3,752 19% $9.51 $495 1.6
Chippewa County $15.17 $789 $31,560 2.1 $76,700 $1,918 $23,010 $575 6,946 27% $12.43 $646 1.2
Clark County $13.73 $714 $28,560 1.9 $62,900 $1,573 $18,870 $472 2,843 22% $13.29 $691 1.0
Columbia County $17.60 $915 $36,600 2.4 $81,800 $2,045 $24,540 $614 6,300 26% $11.29 $587 1.6
Crawford County $13.73 $714 $28,560 1.9 $64,300 $1,608 $19,290 $482 1,580 24% $9.73 $506 1.4
Dane County $22.81 $1,186 $47,440 3.1 $100,100 $2,503 $30,030 $751 92,207 42% $16.30 $848 1.4
Dodge County $15.83 $823 $32,920 2.2 $77,500 $1,938 $23,250 $581 10,472 30% $14.12 $734 1.1
Door County $15.63 $813 $32,520 2.2 $74,500 $1,863 $22,350 $559 2,918 22% $10.26 $534 1.5
Douglas County $15.69 $816 $32,640 2.2 $76,800 $1,920 $23,040 $576 6,262 33% $12.22 $635 1.3
Dunn County $15.17 $789 $31,560 2.1 $71,500 $1,788 $21,450 $536 5,489 33% $12.73 $662 1.2
Eau Claire County $15.17 $789 $31,560 2.1 $76,700 $1,918 $23,010 $575 15,009 37% $13.04 $678 1.2
Florence County $13.73 $714 $28,560 1.9 $61,000 $1,525 $18,300 $458 306 15% $8.12 $422 1.7
Fond du Lac County $14.87 $773 $30,920 2.1 $79,200 $1,980 $23,760 $594 11,898 29% $13.18 $685 1.1
Forest County $13.73 $714 $28,560 1.9 $56,000 $1,400 $16,800 $420 925 23% $9.80 $510 1.4
Grant County $13.75 $715 $28,600 1.9 $68,500 $1,713 $20,550 $514 5,856 30% $10.99 $572 1.3
Green County $15.73 $818 $32,720 2.2 $79,000 $1,975 $23,700 $593 3,860 26% $11.11 $578 1.4

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WI-269

 FY20 HOUSING AREA MEDIAN
Wis cons in WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WISCONSIN Estimated Full-time
Annual Full-time Monthly hourly MMonthly
onthly jobs at mean
Hourly wage income F u ll-jobs
An nu alincome time at
jobs a t Montly
re nt rent Esmean
timated rerent
nt F ullrenter
-time jwage
obs a t
Hourlynecessary
wage
ne ce ssato
ry afford
to e de d to miminimum
neneeded n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Re nRenter
ter %%ofoftototal
ta l urly me an aaffordable
h orenter f for da b le meneeded
an re ntetor
2 BR fford 2 nwage
to aafford e e de dtotoafford
a ff ord Annual affordable 30% aat
t 330%
0% households hohouseholds te r wage atatmmean
re nwage ean wage nafford
eeded to
affor2d BR¹
1
2 B RFMR² 2 FMR
BR AnAMI
nu a4l afforda ble5 30% households useholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI5 of AMI ooff AAMI
MI (2014-2018) (2014-2018) (2020)
(2020) rrenter age affor2d BR
e nte r wwage FMR
2 B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Green Lake County $13.73 $714 $28,560 1.9 $69,900 $1,748 $20,970 $524 1,982 25% $11.36 $591 1.2
Iowa County $16.60 $863 $34,520 2.3 $78,500 $1,963 $23,550 $589 2,584 26% $13.87 $721 1.2
Iron County $13.73 $714 $28,560 1.9 $57,200 $1,430 $17,160 $429 754 25% $7.96 $414 1.7
Jackson County $13.73 $714 $28,560 1.9 $66,100 $1,653 $19,830 $496 2,063 26% $13.77 $716 1.0
Jefferson County $17.25 $897 $35,880 2.4 $76,600 $1,915 $22,980 $575 9,841 30% $12.25 $637 1.4
Juneau County $14.77 $768 $30,720 2.0 $63,400 $1,585 $19,020 $476 2,455 23% $12.97 $674 1.1
Kenosha County $20.00 $1,040 $41,600 2.8 $77,700 $1,943 $23,310 $583 21,616 34% $12.87 $669 1.6
Kewaunee County $15.81 $822 $32,880 2.2 $82,300 $2,058 $24,690 $617 1,713 21% $10.95 $569 1.4
La Crosse County $15.94 $829 $33,160 2.2 $76,800 $1,920 $23,040 $576 17,439 37% $13.82 $719 1.2
Lafayette County $13.73 $714 $28,560 1.9 $69,400 $1,735 $20,820 $521 1,591 24% $10.37 $539 1.3
Langlade County $13.73 $714 $28,560 1.9 $60,300 $1,508 $18,090 $452 2,103 24% $9.62 $500 1.4
Lincoln County $13.73 $714 $28,560 1.9 $71,700 $1,793 $21,510 $538 2,823 22% $11.33 $589 1.2
Manitowoc County $13.83 $719 $28,760 1.9 $76,000 $1,900 $22,800 $570 8,572 25% $12.96 $674 1.1
Marathon County $14.94 $777 $31,080 2.1 $79,900 $1,998 $23,970 $599 15,046 27% $13.52 $703 1.1
Marinette County $13.90 $723 $28,920 1.9 $59,200 $1,480 $17,760 $444 4,721 25% $12.02 $625 1.2
Marquette County $15.02 $781 $31,240 2.1 $64,300 $1,608 $19,290 $482 1,237 19% $12.07 $627 1.2
Menominee County $13.73 $714 $28,560 1.9 $41,000 $1,025 $12,300 $308 497 34% $4.62 $240 3.0
Milwaukee County $17.73 $922 $36,880 2.4 $83,800 $2,095 $25,140 $629 192,990 51% $17.28 $899 1.0
Monroe County $16.23 $844 $33,760 2.2 $72,100 $1,803 $21,630 $541 5,269 30% $14.04 $730 1.2
Oconto County $13.73 $714 $28,560 1.9 $70,700 $1,768 $21,210 $530 2,709 17% $9.84 $512 1.4
Oneida County $14.85 $772 $30,880 2.0 $70,400 $1,760 $21,120 $528 2,465 16% $12.32 $641 1.2
Outagamie County $15.58 $810 $32,400 2.1 $86,400 $2,160 $25,920 $648 21,465 29% $14.65 $762 1.1
Ozaukee County $17.73 $922 $36,880 2.4 $83,800 $2,095 $25,140 $629 8,633 24% $11.94 $621 1.5
Pepin County $13.73 $714 $28,560 1.9 $68,500 $1,713 $20,550 $514 608 20% $10.71 $557 1.3
Pierce County $23.35 $1,214 $48,560 3.2 $103,400 $2,585 $31,020 $776 4,248 28% $10.59 $551 2.2
Polk County $16.15 $840 $33,600 2.2 $69,200 $1,730 $20,760 $519 3,959 22% $10.50 $546 1.5

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WI-270

 FY20 HOUSING AREA MEDIAN
Wis cons in WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WISCONSIN Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage Annual income
income F ull-tjobs
ime at
jobs a t Montly
re n t rent Emean
st i m a t e d rrent
ent F u lrenter
l-time wage
jobs a t
Hourlynecessary
wage
ne ce ssa rto
y tafford
o neneeded
e de d to miminimum
n imu m wa g e Monthly rent
Monthly rent aaffordable
f for da b le Renter
Renter % of total
% of to ta l urly me an aaffordable
h orenter f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage to afford Annual affordable 30% aatt 330%
0% households households wage at mean afford
afford2 BR¹
1
2 B RFMR² 2 BFMR
R t o a f for d n e e d e d to a ff ord AnAMI
nua4l affoat
rdAMI
a ble5 3 0of
% AMI h o u s e h o l d s h o useholds re n te r wage at me an wage needed to
BMR FMR 2BR FMR³ 3 4 5 of AMI
of AMI (2014-2018) (2014-2018) (2020) renter wage
re n te r wage
2 BR FMR
FMR 2 FMR 2 B R F MR 2 B R F MR AMI at AMI of AMI (2014-2018) (2014-2018) (2020) a f for d 2 B R F M R

Portage County $15.08 $784 $31,360 2.1 $79,100 $1,978 $23,730 $593 8,818 31% $12.12 $630 1.2
Price County $13.73 $714 $28,560 1.9 $60,500 $1,513 $18,150 $454 1,417 21% $13.00 $676 1.1
Racine County $16.65 $866 $34,640 2.3 $84,600 $2,115 $25,380 $635 24,562 32% $12.88 $670 1.3
Richland County $14.12 $734 $29,360 1.9 $63,200 $1,580 $18,960 $474 1,868 24% $12.13 $631 1.2
Rock County $15.98 $831 $33,240 2.2 $70,300 $1,758 $21,090 $527 20,681 32% $13.91 $724 1.1
Rusk County $13.73 $714 $28,560 1.9 $53,700 $1,343 $16,110 $403 1,454 23% $12.27 $638 1.1
St. Croix County $23.35 $1,214 $48,560 3.2 $103,400 $2,585 $31,020 $776 8,020 24% $11.10 $577 2.1
Sauk County $16.15 $840 $33,600 2.2 $72,500 $1,813 $21,750 $544 8,163 31% $11.65 $606 1.4
Sawyer County $15.62 $812 $32,480 2.2 $55,400 $1,385 $16,620 $416 2,040 27% $10.12 $526 1.5
Shawano County $13.73 $714 $28,560 1.9 $66,400 $1,660 $19,920 $498 3,989 23% $9.91 $516 1.4
Sheboygan County $14.08 $732 $29,280 1.9 $73,400 $1,835 $22,020 $551 14,110 30% $14.16 $736 1.0
Taylor County $13.73 $714 $28,560 1.9 $63,900 $1,598 $19,170 $479 1,936 22% $12.75 $663 1.1
Trempealeau County $14.33 $745 $29,800 2.0 $71,900 $1,798 $21,570 $539 3,305 28% $12.71 $661 1.1
Vernon County $14.19 $738 $29,520 2.0 $63,600 $1,590 $19,080 $477 2,788 23% $9.27 $482 1.5
Vilas County $14.29 $743 $29,720 2.0 $57,500 $1,438 $17,250 $431 2,560 23% $8.71 $453 1.6
Walworth County $17.31 $900 $36,000 2.4 $79,000 $1,975 $23,700 $593 13,026 32% $11.47 $597 1.5
Washburn County $14.69 $764 $30,560 2.0 $63,800 $1,595 $19,140 $479 1,460 21% $10.35 $538 1.4
Washington County $17.73 $922 $36,880 2.4 $83,800 $2,095 $25,140 $629 12,302 23% $13.13 $683 1.4
Waukesha County $17.73 $922 $36,880 2.4 $83,800 $2,095 $25,140 $629 37,181 24% $15.07 $784 1.2
Waupaca County $14.02 $729 $29,160 1.9 $71,800 $1,795 $21,540 $539 5,635 26% $11.70 $608 1.2
Waushara County $13.73 $714 $28,560 1.9 $63,700 $1,593 $19,110 $478 1,796 18% $8.78 $457 1.6
Winnebago County $15.13 $787 $31,480 2.1 $80,800 $2,020 $24,240 $606 24,570 35% $15.25 $793 1.0
Wood County $14.54 $756 $30,240 2.0 $73,600 $1,840 $22,080 $552 8,848 27% $13.60 $707 1.1

1: BR = Bedroom
2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WI-271

 WYOMING #33* STATE
RANKING

In Wyoming, the Fair Market Rent (FMR) for a two-bedroom apartment is

$892. In order to afford this level of rent and utilities — without paying more $17.15
than 30% of income on housing — a household must earn $2,972 monthly or PER HOUR
$35,663 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING
level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT WYOMING:

STATE FACTS 95
Work Hours Per Week At
76
Work Hours Per Week At
Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom
Rental Home (at FMR) Rental Home (at FMR)
Average Renter Wage $15.15
2-Bedroom Housing Wage $17.15
2.4 1.9
Number of Renter Households 70,509 Number of Full-Time Jobs At Number of Full-Time Jobs At
Minimum Wage To Afford a Minimum Wage To Afford a
2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR)
Percent Renters 31%

HOUSING
MOST EXPENSIVE AREAS WAGE Two bedroom FMR $892
$719
$24.25
One bedroom FMR
Teton County
Rent affordable at area $2008
$18.65
median income (AMI)
Johnson County Rent affordable with full-time job paying
mean renter wage
$788
Campbell County $18.50 Rent affordable at 30% of AMI $602

$18.27 $377
Rent affordable with full-time job
Cheyenne MSA paying minimum wage

$242
$17.77
Rent affordable to SSI recipient
Casper MSA
MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000 $1500 $2000 $2500
* Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico.
OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WY-272
 FY20 HOUSING AREA MEDIAN
Wyoming WAGE HOUSING COSTS INCOME (AMI) RENTERS
FY20 HO USING WAGE HO USING COSTS AREA MED IAN INCOME (AMI) RENTERS
WYOMING Estimated Full-time
Annual Full-time Monthly hourly Monthly
M onthly jobs at mean
Hourly wage l in come F uljobs
Annu aincome l-timeatjobs a t Montlyre ntrent Emean
st i m a t e d rrent
ent F urenter
ll-time wage
jobs a t
Hou rnecessary
ly wage
ne ce ssto
a ryafford
to e e de d to mminimum
nneeded in imu m wa g e Monthly rent
Monthly rent
affordable
a f for da b le R eRenter
nter % ooff ttotal
% o ta l ourly me an affordable
hrenter a f for da b le mneeded
e an re nto
ter
2 BR afford 2 wage
toafford ne e detod tafford
o a ff ord Annual affordable 30% atat 30%
30% households hhouseholds nte r wage aatt m
rewage mean
ean wageaffordneeded to
affo2rBR¹
d 2 BFMR²R
1 2FMR
BR AAMI
nn u4al afforda bl5e 3 0of%AMI households ouseholds
BMR FMR
2 B R F MR
2BR FMR³
2 B R F MR 3 4 at AMI 5 ofofAMIAMI (2014-2018) (2014-2018) (2020)
(2020)
renter wage affo2rdBR2FMR
re nte r wage B R FMR
FMR 2 FMR AMI at AMI of AMI (2014-2018) (2014-2018)

Wyoming $17.15 $892 $35,663 2.4 $80,329 $2,008 $24,099 $602 70,509 31% $15.15 $788 1.1
Combined Nonmetro Areas $16.73 $870 $34,790 2.3 $81,092 $2,027 $24,328 $608 47,834 30% $15.20 $791 1.1

Metropolitan Areas
Casper MSA $17.77 $924 $36,960 2.5 $79,300 $1,983 $23,790 $595 10,828 33% $16.77 $872 1.1
Cheyenne MSA $18.27 $950 $38,000 2.5 $78,100 $1,953 $23,430 $586 11,847 30% $13.26 $690 1.4

Counties
Albany County $15.37 $799 $31,960 2.1 $78,900 $1,973 $23,670 $592 8,056 50% $10.26 $533 1.5
Big Horn County $13.73 $714 $28,560 1.9 $66,400 $1,660 $19,920 $498 1,225 27% $10.42 $542 1.3
Campbell County $18.50 $962 $38,480 2.6 $93,900 $2,348 $28,170 $704 4,862 28% $16.77 $872 1.1
Carbon County $16.81 $874 $34,960 2.3 $77,600 $1,940 $23,280 $582 2,010 32% $18.52 $963 0.9
Converse County $15.73 $818 $32,720 2.2 $84,300 $2,108 $25,290 $632 1,521 28% $17.26 $897 0.9
Crook County $15.88 $826 $33,040 2.2 $84,000 $2,100 $25,200 $630 476 16% $16.91 $879 0.9
Fremont County $15.69 $816 $32,640 2.2 $71,200 $1,780 $21,360 $534 4,515 30% $14.48 $753 1.1
Goshen County $15.40 $801 $32,040 2.1 $68,100 $1,703 $20,430 $511 1,360 26% $13.23 $688 1.2
Hot Springs County $15.10 $785 $31,400 2.1 $72,500 $1,813 $21,750 $544 528 24% $8.92 $464 1.7
Johnson County $18.65 $970 $38,800 2.6 $62,700 $1,568 $18,810 $470 1,110 29% $12.11 $630 1.5
Laramie County $18.27 $950 $38,000 2.5 $78,100 $1,953 $23,430 $586 11,847 30% $13.26 $690 1.4
Lincoln County $16.40 $853 $34,120 2.3 $77,200 $1,930 $23,160 $579 1,504 21% $14.91 $775 1.1
Natrona County $17.77 $924 $36,960 2.5 $79,300 $1,983 $23,790 $595 10,828 33% $16.77 $872 1.1
$13.73 $714 $28,560 1.9 $65,200 $1,630 $19,560 $489 235 24%
Park County $16.35 $850 $34,000 2.3 $76,600 $1,915 $22,980 $575 3,386 28% $14.01 $728 1.2
Platte County $13.73 $714 $28,560 1.9 $69,300 $1,733 $20,790 $520 1,032 26% $15.07 $783 0.9
Sheridan County $16.75 $871 $34,840 2.3 $78,700 $1,968 $23,610 $590 4,224 32% $11.52 $599 1.5

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION WY-273

 FY20 HOUSING AREA MEDIAN
Wyoming WAGE HOUSING COSTS INCOME (AMI) RENTERS
WYOMING FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS
Estimated Full-time
Annual Full-time Monthly hourly Monthly
Monthly jobs at mean
Hourly wage income jobs at
Annual income Full-time jobs at
Montly
rent rent mean
Estimated
rent
rent renter wage
Full-time jobs at
Hourly wage
necessary minimum
needed to minimum Monthly rent affordable Renter % of total renter affordable needed to
needed wage Monthly rent affordable Renter % of total hourly mean affordable mean renter
necessary to
to afford 2 BR afford 2 wage to afford Annual affordable 30% at 30%
at 30% households households wage at mean afford
to afford renter wage at mean
BMR FMR needed to afford affordable households
(2014-2018) households
wage needed to
1 2FMR
BR Annual 30%
2 BR¹
afford FMR²
2 BR 2BR FMR³ 3 AMI4 4 at AMI55 of AMI of AMI
of AMI
(2014-2018) (2020) renter wage
renter wage
2 BR FMR
FMR 2 FMR 2 BR FMR 2 BR FMR AMI at AMI of AMI (2014-2018) (2014-2018) (2020) afford 2 BR FMR

Sublette County $15.08 $784 $31,360 2.1 $96,800 $2,420 $29,040 $726 621 19% $18.76 $976 0.8
Sweetwater County $16.25 $845 $33,800 2.2 $90,200 $2,255 $27,060 $677 3,909 25% $17.97 $935 0.9
Teton County $24.25 $1,261 $50,440 3.3 $110,700 $2,768 $33,210 $830 3,871 42% $17.99 $935 1.3
Uinta County $13.73 $714 $28,560 1.9 $69,500 $1,738 $20,850 $521 1,913 25% $11.67 $607 1.2
Washakie County $13.73 $714 $28,560 1.9 $70,200 $1,755 $21,060 $527 793 23% $12.09 $628 1.1
Weston County $17.12 $890 $35,600 2.4 $85,500 $2,138 $25,650 $641 683 22% $15.13 $787 1.1

† Wage data not available (See Appendix B). 1: BR = Bedroom

2: FMR = Fiscal Year 2020 Fair Market Rent.
3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
4: AMI = Fiscal Year 2020 Area Median Income
5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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APPENDICES
n Appendix

APPENDIX A: LOCAL MINIMUM WAGES

Local Minimum Wage
Locality 1 BR Housing Wage 2 BR Housing Wage
(as of 7/1/20)
Alameda, CA $15.00 $34.77 $43.06
Albuquerque, NM $9.35 $13.71 $16.87
Belmont, CA $15.00 $52.31 $64.21 1. July 1, 2020 adjustment based
on CPI not available at time of
Berkeley, CA (1) $15.59 $34.77 $43.06 publication.
2. Minimum wage for firms with
Bernalillo County, NM $9.20 $13.71 $16.87 more than 20 employees. Mini-
mum wage for firms with fewer
Chicago, IL (2) $14.00 $20.69 $24.00 employees is $13.50.
3. Minimum wage for firms with
Cook County, IL $13.00 $20.69 $24.00 more than 25 employees. Mini-
mum wage for firms with fewer
Cupertino, CA $15.35 $47.27 $57.12 employees is $13.50.
4. Minimum wage for firms with
Daly City, CA $13.75 $52.31 $64.21 more than 25 employees. Mini-
mum wage for firms with fewer
Denver, CO $12.85 $24.23 $30.12 employees is $14.00.
5. Minimum wage for firms with
El Cerrito, CA $15.37 $34.77 $43.06 more than 25 employees. Mini-
mum wage for firms with fewer
Emeryville, CA $16.42 $34.77 $43.06 employees is $14.25.
6. Minimum wage as of 7/1/19.
Flagstaff, AZ $13.00 $19.69 $24.35 Increases starting 7/1/20 will be
based on Bay Area CPI increases.
Fremont, CA (3) $15.00 $34.77 $43.06
7. Minimum wage for firms with
Hayward, CA (4) $15.00 $34.77 $43.06 more than 100 employees. Min-
imum wage for firms with fewer
employees is $13.25.
Las Cruces, NM $10.25 $11.58 $14.27
8. Minimum wage for firms with
Los Altos, CA $15.40 $47.27 $57.12 more than 50 employees.
Minimum wage is $13.25 for
firms with 11-50 employees and
Los Angeles, CA (5) $15.00 $29.17 $37.62 nonprofits, $13.00 for firms with
fewer employees.
Los Angeles County, CA (5) $15.00 $29.17 $37.62
9. Minimum wage for firms with
more than 100 employees.
Malibu, CA (5) $15.00 $29.17 $37.62 Minimum wage is $14 for firms
with 26-99 employees, $13.00 for
Menlo Park, CA $15.00 $52.31 $64.21 firms with fewer employees.

Milpitas, CA (6) $15.00 $47.27 $57.12

Minneapolis, MN (7) $13.25 $18.67 $23.35
Montgomery County, MD (8) $14.00 $28.85 $32.83
Mountain View, CA $16.05 $47.27 $57.12
Novato, CA (9) $15.00 $52.31 $64.21
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n Appendix

Local Minimum Wage

Locality 1 BR Housing Wage 2 BR Housing Wage
(as of 7/1/20)
Oakland, CA $14.14 $34.77 $43.06
Palo Alto, CA $15.40 $47.27 $57.12
Pasadena, CA (5) $15.00 $29.17 $37.62 10. Minimum wage for firms with
over 10,000 employees, and city
Petaluma, CA (4) $15.00 $28.63 $37.48 government workers. Minimum
wage is $11.50 for firms with 100-
Prince George's County, MD $11.50 $28.85 $32.83 9,999 employees, $10 for firms
with 6-100 employees, and $9.25
for firms with fewer employees.
Redwood City, CA $15.38 $52.31 $64.21
11. Minimum wage for firms with
Richmond, CA $15.00 $34.77 $43.06 more than 25 employees. Min-
imum wage is $14.25 for firms
with less than 25 employees and
Saint Paul, MN (10) $12.50 $18.67 $23.35 qualifying nonprofits.
San Diego, CA $13.00 $30.12 $39.17 12. Minimum wage for firms with
more than 500 employees. Min-
San Francisco, CA $15.59 $52.31 $64.21 imum wage is $15.75 for firms
with fewer than 500 employees
and no employer coverage of
San Jose, CA $15.25 $47.27 $57.12 benefits, $13.50 for firms with
fewer than 500 employees and
San Leandro, CA $15.00 $34.77 $43.06 employer coverage of benefits.
13. Minimum wage for firms with
San Mateo, CA $15.38 $52.31 $64.21 more than 25 employees. Mini-
mum wage for firms with fewer
Santa Clara, CA $15.40 $47.27 $57.12 employees is $12.50.

Santa Fe, NM $12.10 $17.85 $20.33

Santa Fe County, NM $12.10 $17.85 $20.33
Santa Monica, CA (11) $15.00 $29.17 $37.62
Santa Rosa, CA (4) $15.00 $28.63 $37.48
Seattle, WA (12) $16.39 $33.48 $40.37
Sonoma, CA (13) $13.50 $28.63 $37.48
South San Francisco, CA $15.00 $52.31 $64.21
Sunnyvale, CA $16.05 $47.27 $57.12
Washington D.C. $15.00 $28.85 $32.83

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n Appendix

APPENDIX B: DATA NOTES, METHODOLOGIES,

AND SOURCES
Appendix B describes the data used in Out of Reach. if the data were statistically reliable. This is consistent with HUD’s
Information on how to calculate and interpret the objective to allow variation in FMRs locally. These changes resulted
in more metropolitan areas in Out of Reach, beginning in 2016.
report’s numbers are in the pages “How to Use the
Numbers” and “Where the Numbers Come From.” In cases in which an FMR area crosses state lines, Out of Reach
provides an entry for the area under both states. While the Housing
Wage, FMR, and Area Median Income (AMI) values apply to the entire
FAIR MARKET RENT AREA DEFINITIONS FMR area and will be the same in both states, other data such as the
HUD determines Fair Market Rents (FMRs) for metropolitan and rural number of renter households, the minimum wage, and renter wages
housing markets across the country. In metropolitan areas, HUD starts apply only to the portion of the FMR area within that state’s borders.
with the Office of Management and Budget’s (OMB) metropolitan
area boundaries to define FMR areas. Since FMR areas are meant
to reflect cohesive housing markets, the OMB boundaries are not FAIR MARKET RENTS
always preferable. Also, significant changes to OMB metropolitan The FY20 FMRs are based on five-year 2013-2017 American
boundaries can affect current housing assistance recipients. In Community Survey (ACS) data, supplemented with one-year 2017
keeping with OMB’s guidance to federal agencies, HUD modifies ACS data. For each FMR area, a base rent is typically set at the 40th
OMB boundaries in some instances for program administration. percentile of adjusted standard quality two-bedroom gross rents from
the five-year ACS. The estimate is considered reliable by HUD if its
In FY06, HUD’s FMR areas incorporated OMB’s 2003 overhaul of margin of error is less than 50% of the estimate and is based on at least
metropolitan area boundaries. HUD used OMB’s new boundaries but 100 observations. If an FMR area does not have a reliable estimate
modified them if a county (or town) to be added to an FMR area under from the five-year 2013-2017 ACS, then HUD checks whether the area
OMB’s definitions had rents or incomes in 2000 that deviated more had a minimally reliable estimate (margin of error was less than 50%
than 5% from the newly defined metropolitan area. HUD (and Out of estimate and based on more than 100 observations) in at least two
of Reach) refers to unmodified OMB-defined areas as Metropolitan of the past three years. If so, the FY20 base rent is the average of the
Statistical Areas (MSAs) and HUD-modified areas as HUD Metro FMR inflation-adjusted reliable ACS estimates. If an area has not had at least
Areas (HMFAs). OMB’s subsequent changes to metropolitan boundaries two minimally reliable estimates in the past three years, the estimate
through 2009 were incorporated into HUD’s subsequent FMR areas. for the next largest geographic area is the base for FY20, which for a
OMB released new metropolitan area boundaries in February 2013. For nonmetropolitan county would be the state nonmetropolitan area.
FY16, HUD elected to apply pre-2013 boundaries to FMR areas except A recent mover adjustment factor is applied to the base rent. This
where the post-2013 OMB boundaries resulted in a smaller FMR factor is calculated as the percentage change between the five-year
area. Counties that had been removed from metropolitan areas were 2013-2017 40th percentile standard quality two-bedroom gross
treated by HUD as nonmetropolitan counties. Counties that had been rent, and the one-year 2017 40th percentile recent mover two-
added to metropolitan areas were treated by HUD as metropolitan bedroom gross rent. The one-year recent mover two-bedroom gross
subareas (HMFAs) and given their own FMR if local rent data were rent is reliable if its margin of error is less than 50% of the estimate
statistically reliable. New multi-county metropolitan areas were and is based on at least 100 observations. If the one-year recent
treated by HUD as individual county metropolitan subareas (HMFAs)

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n Appendix
mover two-bedroom gross rent estimate is not reliable, the one-
year recent mover gross rent for all-sized units is used. If that is not
NATIONAL, STATE, AND NON-METRO
reliable, the estimate for the next largest geographic area is used. FAIR MARKET RENTS
HUD does not allow recent mover factors to lower the base rent. The FMRs for the nation, states, and state nonmetropolitan
Statistically reliable local rent surveys are used to estimate rents areas in Out of Reach are calculated by NLIHC and reflect the
when their estimates are statistically different from the ACS- weighted average FMR for the counties (FMR areas in New
based rents. For FY20, the ACS is not used as the base rent or England) included in the larger geography. The weight for FMRs
recent mover factors in 19 FMR areas. HUD currently does not is the number of renter households within each county (FMR
have funds to conduct local rent surveys, so surveys must be paid area in New England) from the five-year 2014-2018 ACS.
for by local public housing agencies or other interested parties
if they wish for HUD to reevaluate the ACS-based FMRs.
AFFORDABILITY
A local or regional CPI update factor is applied to the ACS Out of Reach is consistent with federal housing policy in the
base rent to adjust for inflation through 2018. A trend factor is assumption that no more than 30% of a household’s gross income
then applied to trend the gross rent forward to FY 2020, using should be consumed by gross housing costs. Spending more
local and regional forecasts of the CPI gross rent data. than 30% of income on housing is considered “unaffordable."1
While the Out of Reach report highlights the one-bedroom and
two-bedroom FMR, the Out of Reach website includes zero- to
four-bedroom FMRs. HUD finds that two-bedroom rental units
AREA MEDIAN INCOME (AMI)
are the most common and the most reliable to survey, so two- This edition of Out of Reach uses HUD’s FY20 AMIs. HUD calculates
bedroom units are utilized as the primary FMR estimate. the family AMI for metropolitan areas and nonmetropolitan
counties. The Census definition of “family” is two or more persons
HUD applies bedroom-size ratio adjustment factors to the related by blood, marriage or adoption residing together. This
two-bedroom estimates to calculate FMRs for other bedroom- family AMI is not intended to apply to a specific family size.
size units. HUD makes additional adjustments for units with
three or more bedrooms to increase the likelihood that HUD used special tabulations of five-year 2013-2017 ACS data
the largest families, who have the most difficulty in finding to calculate the FY20 AMIs. In areas with a statistically reliable
units, will be successful in finding rental units eligible for estimate from one-year 2017 ACS data, HUD incorporated
programs whose payment standards are based on FMRs. the one-year data. HUD’s standard for a reliable estimate
is a margin of error of less than 50% of the estimate and at
Due to changes in FMR methodology over the least 100 observations on which the estimate is based.
years, we do not recommend comparing the current
edition of Out of Reach with previous ones. Where a statistically reliable estimate from five-year data is not
available, HUD checks on whether the area has a minimally reliable
FMRs for each area are available at estimate (margin of error is less than 50% of the estimate) from any
https://www.huduser.gov/portal/datasets/fmr.html of the past three years. If so, the average of these years, is used.
HUD’s Federal Register notices for FY20 FMRs are available at The Congressional Budget Office (CBO) projection of the
https://www.huduser.gov/portal/datasets/fmr.html#2020_documents Consumer Price Index (CPI) was used by HUD to inflate the
ACS estimate from 2017 to the mid-point of FY20.

1 The Housing and Urban-Rural Recovery Act of 1983 made the 30% “rule of thumb” applicable to rental
housing assistance program.

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n Appendix
Applying the assumption that no more than 30% of income [hours or jobs at the published wage] ×
should be spent on housing costs, Out of Reach calculates
the maximum affordable rent for households earning the [published wage] / [alternative wage]
median income and households earning 30% of the median.
This is a straight percentage and does not include HUD’s For example, one would have to work nearly 120 hours per week to
adjustments to income limits for federal housing programs. afford the two-bedroom FMR in Seattle, WA, if the local minimum
The median incomes for states and state combined wage was equivalent to the State of Washington’s rate of $13.50.
nonmetropolitan areas reported in Out of Reach reflect However, the same FMR would be affordable with 98.5 hours of
the weighted average of county AMI data weighted by the work per week under the higher local minimum wage of $16.39
total number of households from the 2014-2018 ACS. (119.6 * $13.50 / $16.39).2 For further guidance, see “Where
the Numbers Come From” or contact NLIHC research staff.
FY20 family AMI for metropolitan areas and nonmetropolitan counties,
the methodology, and HUD’s adjustments to subsequent income limits The Department of Labor provides further information on state
are available at https://www.huduser.gov/portal/datasets/il.html minimum wages at www.dol.gov/whd/minwage/america.htm.

PREVAILING MINIMUM WAGE AVERAGE RENTER WAGE

Out of Reach incorporates the minimum wage in effect as of July Recognizing that the minimum wage reflects the earnings of only the
1, 2020. According to the U.S. Department of Labor, the District lowest income workers, Out of Reach also calculates an estimated
of Columbia and 29 states have a state minimum wage higher mean renter hourly wage. This measure reflects the compensation
than the federal level of $7.25 per hour. Out of Reach incorporates that a typical renter is likely to receive for an hour of work by
the higher prevailing state minimum wage in these states. Some dividing average weekly earnings by 40 hours, thus assuming a
local municipalities have a minimum wage that is higher than the full-time workweek. Earnings include several non-wage forms of
prevailing federal or state rate, but local rates associated with sub- compensation like paid leave, bonuses, tips, and stock options.3
county jurisdictions are not fully incorporated into Out of Reach. The estimated mean renter hourly wage is based on the average
Among the statistics included in Out of Reach are the number of weekly earnings of private (non-governmental) employees working in
hours and subsequent full-time jobs a minimum wage earner must each county.4 Renter wage information is based on 2018 data reported
work to afford the FMR. The national average number of hours a by the BLS in the Quarterly Census of Employment and Wages. For
full-time worker earning minimum wage must work to afford the each county, mean hourly earnings are multiplied by the ratio of
FMR is calculated by taking into account the prevailing minimum median renter household income to median household income from
wage at the county level (or New England FMR area) and finding the five-year 2014-2018 ACS to arrive at an estimated average renter
the weighted average of hours needed in all counties, weighting wage. In nineteen counties nationwide, the median renter household
counties by their number of renter households. Accordingly that income exceeds the median household income. Nationally, median
average reflects higher state and county minimum wages but not renter household income was 64% of the median household income.
higher minimum wages associated with sub-county jurisdictions. An inflation factor was applied to the estimated mean
If the reader would like to calculate the same statistics using renter hourly wage to adjust from 2018 to FY20. The
a different wage such as a higher local minimum wage, 2 U.C. Berkeley Labor Center (2020). Inventory of U.S. city and county minimum wage ordinances.
a simple formula can be used for the conversion: 3 Please note this measure is different from median renter household income, which reflects an estimate of
what renter households are earning today and includes income not earned in relation to employment..
4 Renter wage data for some counties are not provided in Out of Reach either because the BLS could not
disclose the data for confidentiality reasons or because the number of employees working in the county
was insufficient to estimate a reliable wage.

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n Appendix
inflation factor (260.306 ÷ 251.104) was based on the CBO exceed the Housing Wage for at least 40 working hours per week.
January 2020 forecast of the national CPI for FY20.
In approximately 13% of counties or county equivalents (including SUPPLEMENTAL SECURITY INCOME (SSI)
Puerto Rico), the renter wage is below the federal, state, or
Out of Reach compares rental housing costs with the rent affordable
local minimum wage. One explanation is that workers in these
to individuals receiving Supplemental Security Income (SSI) payments.
counties likely average fewer than 40 hours per week, but the
The national numbers are based on the maximum federal SSI payment
mean renter wage calculation assumes weekly compensation is
for individuals in 2020, which is $783 per month. Out of Reach
the product of a full-time work week. For example, mistakenly
calculations for states include state supplemental payments that benefit
assuming earnings from 20 hours of work were the product of a
all individual SSI recipients in 21 states where the Social Security
full-time workweek would underestimate the actual hourly wage
Administration (SSA) reports the supplemental payment amount.
by half, but it would still accurately reflect the true earnings.
Supplemental payments provided by other states and the District of
Wage data from the Quarterly Census of Employment
Columbia are excluded from Out of Reach calculations. For some,
and Wages are available through the Bureau of Labor
these payments are administered by the SSA but are available
Statistics at www.bls.gov/cew/home.htm.
only to populations with specific disabilities, in specific facilities,
or in specific household settings. For the majority, however, the
MEDIAN RENTER HOUSEHOLD INCOME supplements are administered directly by the states, so the data
are not readily available if they haven’t been reported to the
Median renter household income is from the 2014-
SSA. The only four states that do not supplement federal SSI
2018 ACS projected forward to FY20 based on the CBO
payments are Arizona, Mississippi, North Dakota, and West Virginia.
January 2020 forecast of the national CPI for FY20.
Residents of Puerto Rico cannot receive federal SSI payments.
Information on SSI payments is available from the Social Security
WORKING HOURS Administration at https://www.ssa.gov/OACT/COLA/SSI.html.
Calculations of the Housing Wage and of the number of jobs required
The Technical Assistance Collaborative, Inc., publishes
at the minimum wage or mean renter wage to afford the FMR assume
Priced Out, which compares FMRs with the incomes of SSI
that an individual works 40 hours per week, 52 weeks each year,
recipients. The most recent edition can be found at http://
for a total of 2,080 hours per year. Seasonal employment, unpaid
www.tacinc.org/knowledge-resources/priced-out-v2/
sick leave, temporary lay-offs, job changes, and other leave prevent
many individuals from maximizing their earnings throughout the
year. According to the Bureau of Labor Statistics, as of April 2020, ADDITIONAL DATA AVAILABLE ONLINE
the average wage earner in the U.S. worked 34.2 hours per week.5
The print / PDF version of Out of Reach contains limited data in an
Not all employees have the opportunity to translate an hourly effort to present the most important information in a limited number of
wage into full-time, year-round employment. For these workers, pages. Additional data can be found online at http://www.nlihc.org/oor.
the Housing Wage underestimates the actual hourly compensation
The Out of Reach methodology was developed by Cushing
needed to afford the FMR. Conversely, some households include
N. Dolbeare, founder of the National Low Income Housing
multiple wage earners. For these households, a home renting at
CoalitionThe Technical Assistance Collaborative, Inc., publishes
the FMR would be affordable even if each worker earned less than
Priced Out, which compares FMRs with the incomes of SSI
the area’s stated Housing Wage, as long as their combined wages
recipients. The most recent edition can be found at http://
5 Bureau of Labor Statistics. (2020). The employment situation – April 2020. Washington, D.C.: U.S.
www.tacinc.org/knowledge-resources/priced-out-v2/
Department of Labor.

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ADDITIONAL DATA AVAILABLE DEFINITIONS
ONLINE Affordability in this report is consistent with the federal
The print / PDF version of Out of Reach contains standard that no more than 30% of a household’s gross
limited data in an effort to present the most important income should be spent on rent and utilities. Households
information in a limited number of pages. Additional paying over 30% of their income are considered cost-
data can be found online at http://www.nlihc.org/oor. burdened. Households paying over 50% of their
The Out of Reach methodology was developed income are considered severely cost-burdened.
by Cushing N. Dolbeare, founder of the
National Low Income Housing Coalition.
Area Median Income (AMI) is used to determine income
eligibility for affordable housing programs. The AMI
is set according to family size and varies by region.
Extremely Low Income (ELI) refers to earning
less than the poverty level or 30% of AMI.
Housing Wage is the estimated full-time hourly
wage workers must earn to afford a decent rental
home at HUD’s Fair Market Rent while spending no
more than 30% of their income on housing costs.
Full-time work is defined as 2,080 hours per year
(40 hours each week for 52 weeks). The average
employee works roughly 34.5 hours per week,
according to the Bureau of Labor Statistics.
Fair Market Rent (FMR) is typically the 40th
percentile of gross rents for standard rental units.
FMRs are determined by HUD on an annual basis,
and reflect the cost of shelter and utilities. FMRs are
used to determine payment standards for the Housing
Choice Voucher program and Section 8 contracts.
Renter wage is the estimated mean hourly wage
among renters, based on 2018 Bureau of Labor
Statistics wage data, adjusted by the ratio of renter
household income to the overall median household
income reported in the ACS and projected to 2020.

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