To see if you may be eligible, you need to determine annual gross income, annual income before taxes, and your household size (number of people in your household).


Your household must make 80% or below the Median Family Income (MFI). Your household income is based on your household’s gross annual income and assets (before taxes), adjusted for your household size. Depending on the program, asset limits may apply.


Household size is composed of all individuals who will be occupying the home If two people are a “couple” regardless of marital status, then both people must be included on the application.  A couple in the process of a divorce or separation must submit proof of filing in order to apply separately. 

Persons not counted as family members for the purpose of determining income include:

  • A child who is subject to a shared-custody agreement in which the child resides with the household for less than 50 percent of the time;
  • Unborn children; and
  • Children being pursued for legal custody or adoption who are not currently living with the household


Affordable homeownership opportunities are generally available to households making 80% of the Median Family Income (MFI) or lower. For example, a household of 4 persons making $88,250 or less may qualify to purchase an affordable home. The City of Austin sets household income and asset levels for all City of Austin affordable rental and ownership opportunities.

Calculate the total annual gross income for everyone in your household over age 18, including social security income, child support payments, and all other sources of income.  (Using your pay stubs, if you get paid two times a month, multiply the gross payment amount on your pay stub by 24. If you get paid every other week, multiply the gross payment amount on your paystub by 26.) Certain requirements and exceptions may apply for recently divorced, retired, permanently disabled persons, or other types of government or Veteran benefits.

Determine the number of people in your household and calculate your annual household income. See the chart below to see if you may qualify


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