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THE HIGH COST OF HOUSING NATIONAL LOW INCOME HOUSING COALITION

Established in 1974 by Cushing N. Dolbeare, the National Low Income Housing Coalition is dedicated solely to achieving socially just public policy that ensures people with the lowest incomes in the United States have affordable and decent homes. NLIHC educates, organizes, and advocates to ensure decent, affordable housing for everyone.

NLIHC provides up-to-date information, formulates policy, and educates the public on housing needs and the strategies for solutions. Permission to reprint portions of this report or the data therein is granted, provided appropriate credit is given to the National Low Income Housing Coalition. Additional copies of Out of Reach are available from NLIHC.

Additional Local Data Can Be Found Online at

www.nlihc.org/oor

The Print / PDF version of Out of Reach contains limited data in an effort to present the most important information in a limited number of pages.

The Out of Reach methodology was developed by Cushing N. Dolbeare, founder of the National Low Income Housing Coalition.

NLIHC STAFF

Xavier Arriaga Kyle Arbuckle Andrew Aurand Victoria Bourret Alayna Calabro Josephine Clarke Dan Emmanuel Ed Gramlich Kim Johnson

Paul Kealey

Mike Koprowski Joseph Lindstrom May Louis-Juste Lisa Marlow Khara Norris Noah Patton

Ikra Rafi

Catherine Reeves Sarah Saadian Brooke Schipporeit Daniel Threet Chantelle Wilkinson Renee Willis Rebecca Yae Diane Yentel

NLIHC BOARD OF DIRECTORS

Policy Analyst Housing Advocacy Organizer Vice President for Research Housing Advocacy Organizer Policy Analyst Executive Assistant Senior Research Analyst Senior Advisor Housing Policy Analyst

Chief Operating Officer

National Campaign Director Director for Field Organizing Communications Specialist Manager of Media Relations and Communications Director of Administration Housing Policy Analyst

Creative Services Specialist

Development Coordinator Vice President of Public Policy Housing Advocacy Organizer Research Analyst Housing Campaign Coordinator Vice President for Field and Communications

Senior Research Analyst President and CEO

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

OUT OF REACH 2020|NATIONAL LOW INCOME HOUSING COALITIONiTABLE OF CONTENTSPreface. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .iiiIntroduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Rising Inequality, Low Wages, and the Widespread Unaffordable Cost of Rental Housing . . . . . . . . . . . . . . . . . . . . .4Impact of COVID-19 Pandemic on Low-Wage Workers. . . . . . . . . . . .6Racial and Ethnic Housing Disparities. . . . . . . . . . . . . . . . . . . . .7The Systemic Shortage of Affordable Housing . . . . . . . . . . . . . . . .8Federal Policy to Secure Affordable Homes. . . . . . . . . . . . . . . . . .9The Numbers in This Report . . . . . . . . . . . . . . . . . . . . . . . . . 11References. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12USER'S GUIDEHow to Use the Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . 13Where the Numbers Come From . . . . . . . . . . . . . . . . . . . . . . 14TABLES AND MAPS2020 Two-Bedroom Rental Housing Wages. . . . . . . . . . . . . . . . . 152020 Hours at Minimum Wage Needed toAfford a One-Bedroom Rental Homeat Fair Market Rent..............................16Most Expensive Jurisdictions . . . . . . . . . . . . . . . . . . . . . . . . 17States Ranked by Two-Bedroom Housing Wage...............18State Summary................................19STATE PAGESAlabama. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22Alaska . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27Arizona....................................30Arkansas. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33California...................................38Colorado...................................43Connecticut . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48Delaware. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52District of Columbia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54Florida. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56Georgia....................................62Hawaii . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71Idaho.....................................73Illinois . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77Indiana. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84Iowa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90Kansas. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 96Kentucky. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .102Lousiana. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .109Maine.....................................114Maryland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .118 OUT OF REACH 2020|NATIONAL LOW INCOME HOUSING COALITIONiiMassachusetts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .121Michigan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .128Minnesota . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .134Mississippi. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .140Missouri . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .145Montana. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .152Nebraska...................................156Nevada....................................162New Hampshire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .164New Jersey..................................168New Mexico. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .171New York...................................174North Carolina. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .179North Dakota.................................186Ohio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .190Oklahoma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .196Oregon....................................201Pennsylvania. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .204Puerto Rico..................................209Rhode Island. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .214South Carolina. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .217South Dakota.................................221Tennessee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .225Texas. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .231Utah . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .244Vermont . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .247Virginia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .250Washington . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .258West Virginia.................................262Wisconsin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .266Wyoming...................................271APPENDICESAppendix A: Local Minimum Wages.....................275Appendix B: Data Notes, Methodologies, and Sources . . . . . . . . . . . . . . . . . . . . . . . .277Definitions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .281

PREFACE

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

F or over 30 years, Out of Reach has been an indispensable tool documenting the gap between renters’ incomes and the cost of housing.

This vital work has never been more relevant.

The coronavirus pandemic has been the “great revealer,” laying bare the inequities in our society, and reminding us how our homes affect every aspect of our lives, including our health.

Right now, our efforts to ensure that everyone has a safe, healthy home to weather the coronavirus storm are

hampered by the fact that we already had a housing crisis in this country before this virus ever hit our shores.

As this year’s Out of Reach shows, the persistent gap between renters’ incomes and the cost of housing continues. Many of our essential workers - grocery store employees, home health aides, custodians at hospitals – have risked their lives during the pandemic, but don’t get paid enough to afford housing.

Before the pandemic struck, a quarter of After generations of all renters - and 71 percent of extremely

low-income renters - were paying over half our housing policy their incomes for housing, too often leaving causing segregation them one emergency away from eviction.

Now we’re seeing millions of people

and inequality, we

all have those emergencies at once.

have an opportunity Our country is also in the midst of a long-overdue reckoning with the

to make it part of

systemic racism that permeates so the solution. much in our society. The coronavirus

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.

We are still living with the legacy of redlining and racial covenants.The Fair Housing Act made these racist housing policies illegal over 50 years ago, but we still see their effects today, and segregation and discrimination continue. Too often, your zip code still determines your access to health care, education, and work opportunities.

After generations of our housing policy causing segregation and inequality, we have an opportunity to make it part of the solution.

First, we must make sure that we do not emerge from the current crisis with greater racial and wealth inequality than we began with. Congress must provide emergency rental and mortgage assistance to prevent a wave of evictions and foreclosures that will set millions of people back and compound inequality.

Next, we must close the gap between income and housing by paying workers a living wage, and investing in affordable housing, particularly for the lowest-income households. Housing poverty and unaffordable rents leave too many of our families vulnerable to everyday emergencies like a broken down car – let alone a natural disaster or global pandemic. The country must take action to preserve and create housing affordable and accessible to everyone, and ensure that all neighborhoods are neighborhoods of opportunity.

If we are to end systemic racism and inequality in our housing and communities, and make the economy work better for everyone, we cannot shrink from these challenges. When work has dignity,

everyone can find and afford a place to call home. I look forward

to working with NLIHC and others to make this a reality.

Sincerely,

U.S. Senator Sherrod Brown (D-OH)

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

INTRODUCTION

F ew events in history highlight as clearly as the coronavirus pandemic that housing is healthcare. Governments and health officials at all levels have told residents to stay home. Not everyone, unfortunately, is stably housed in a safe and adequate environment. Even before the pandemic, more than 211,000 people in the U.S. were experiencing homelessness on sidewalks or other unsheltered locations (HUD, 2020). They face a considerably higher risk of becoming ill, and they have nowhere to self-quarantine and recover if they do. Another 356,000 people were experiencing homelessness in emergency shelters, with limited ability to self-isolate. In addition, more than 2.7 million renters were living in overcrowded housing conditions, making social distancing from an ill housemate difficult.

As is true in almost every aspect of American life, the greatest risks are borne by people of color. Early research and reporting on COVID-19 shows people of color face greater mortality risks from the pandemic (Gross et al., 2020; Thebault, Tran, & Williams, 2020). Pre-existing structural injustices, including unequal access to healthcare, greater exposure through low-wage and frontline jobs, and limited housing options, contribute to these risks. Black Americans accounted for 13% of the U.S. population in 2019 but 40% of all people experiencing homelessness. People identifying as Hispanic or Latino were 18% of the overall population but 22% of the population experiencing homelessness (HUD, 2020). Similar disparities exist with overcrowding. Latino households accounted for 12% of all households (excluding inter-racial couples) but 43% of overcrowded households; Asian households accounted for 4% of all households but 10% of overcrowded households; and American Indian or Alaska Native households accounted for 0.5% of all households but 1% of overcrowded households. Such disproportionate rates of homelessness and overcrowding mean those groups are less able to self-isolate when needed.

The economic downturn spurred by the virus further increases the risk of housing instability for millions of low-wage renters at a time when stable housing is vital. Prior to the pandemic, more than 7.7 million extremely low-income renters were spending more than half of their limited incomes on

housing costs, sacrificing other necessities

to do so (NLIHC, 2020b). Millions of renters

were one financial shock away from housing

instability, and for many the pandemic and economic fallout is that shock.

U.S. workers filed nearly 28 million new claims for unemployment insurance in just the first six

weeks of widespread shutdowns (Shierholz, 2020). The unemployment rate rose to 14.7% in April, the highest rate and the largest one-month increase since the Bureau of Labor Statistics started tracking monthly data in 1948. While the national rate fell slightly to 13.3% in May, unemployment did not improve among Black Americans at 16.8% or among Asian Americans at 15% (Bureau of Labor Statistics, 2020a). The unemployment rate for Latino Americans, despite some improvement, remains even higher at 17.6%. As millions of households are now dealing with declines in wages - either through layoffs, furloughs, or decreased work hours - many more renters will struggle to afford their rents.

Multiple surveys have confirmed widespread

job losses among low-income households. The Federal Reserve’s May report on the economic well-being of U.S. households found that 39% of people working in February with household incomes below $40,000 reported job losses in March (Board of Governors of the Federal Reserve, 2020). A survey conducted in early April by the Pew Research Center found that 52% of lower-income households reported a loss of employment or income due to the coronavirus outbreak. That survey also found evidence of racial disparities in job and income loss: while 38% of white adults reported such a loss, 44% of Black adults and 61% of Latino

The economic downturn spurred by the virus further increases the risk of housing instability for millions of low-wage renters at a time when stable housing is vital.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

adults did (Parker, Horowitz, & Brown, 2020). Some essential workers still on the job are also struggling to make ends meet because

their wages have never been sufficient.

Since 1989, NLIHC’s Out of Reach has called attention to the gulf between actual wages and what people need to earn to afford their rents. Every year, the report documents that an affordable rental home is out of reach for millions of low-wage workers and other low-

income families. This year’s report affirms

that even before the massive economic downturn caused by the coronavirus, housing costs outpaced what many workers could afford. For decades, we have had a systemic shortage of affordable housing for people with the lowest incomes, which the COVID-19 crisis is dramatically exacerbating. More than ever, bold policies are needed to address the unaffordability of housing in the U.S.

The report’s Housing Wage is an estimate of the hourly wage full-time workers must earn to afford a rental home at HUD’s fair market rent without spending more than 30% of their incomes. Fair market rents are estimates of what a family moving today can expect to pay for a modestly priced rental home in a given area. The kind of home that can be rented for the fair market rent is in decent condition, but it is not luxury housing. THE 2020 NATIONAL HOUSING WAGE IS $23.96/HR FOR A MODEST TWO-BEDROOM RENTAL HOME AND $19.56/HR FOR A MODEST ONE-BEDROOM RENTAL HOME.

The federal minimum wage of $7.25 per hour falls well short of both the two-bedroom and one-bedroom National Housing Wages.

Because it does not keep pace with inflation,

the federal minimum wage is worth nearly 29% less than it was worth in 1968 (Cooper, 2019). Twenty-nine states, the District of

FIGURE 1: RENTS ARE OUT OF REACH FOR MANY RENTERS

Rent Affordable to a Individual Relying on SSI

Rent Affordable to a Household with One Full-Time Worker Earning the Federal Minimum Wage

Rent Affordable to Individual with Average Unemployment Insurance Beneft

Rent Affordable to Family of Four with Income at Poverty Level

$503 $377 $235 $655

Rent Affordable to Full-Time Worker Earning the Average Renter Wage

One-Bedroom FMR
Two-Bedroom FMR

$1,246 $1,017 $948

Fair Market Rent = Fair Market Rent. Source: NLIHC calculation of weighted-average HUD fair market rent. Affordable rents based on income and benefits data from 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.

Columbia and a handful of counties and municipalities now have minimum wages higher than the federal minimum wage, but even taking these higher minimum wages into account, the average minimum wage worker must work nearly 97 hours per week (more than two full-time jobs) to afford a two-bedroom rental home or 79 hours per week (almost exactly two full-time jobs) to afford a one-bedroom rental home at the fair market rent. People who work 97 hours per week and need 8 hours per day of sleep have fewer than 2.5 hours per day left over for everything else—commuting, cooking, cleaning, self-care, caring for children and family, and serving their community. Doing so is an impossibility for a single parent who needs a larger-than-one-bedroom apartment. Even for a one-bedroom rental, it is unreasonable to expect individuals to work 79 hours per week to afford their housing. For people who can work, one full-time job should be enough.

The struggle to afford rental housing is not

confined to minimum-wage workers. The

average renter’s hourly wage of $18.22 is $5.74 less than the national two-bedroom Housing Wage and $1.34 less than the one-bedroom Housing Wage. As a result, the average renter must work 53 hours per week to afford a modest two-bedroom apartment. Some of the most important workers during the COVID-19 outbreak earn even less: grocery store cashiers earn a median wage of $11.61 per hour, while building cleaning workers and home health and personal care aides earn $12.94. They would have to work 83 and 74 hours per week, respectively, to afford a modest two-bedroom apartment.

Many single parents or caregivers would find it difficult if not impossible to work those hours.

The average monthly fair market rent for a one-bedroom or two-bedroom rental home is $1,017 or $1,246, respectively - much higher than what many renters can afford (Figure 1). A family of four with poverty-level income in most areas of the U.S. can afford a monthly rent of no more than $655, assuming they can manage to spend as much

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

FIGURE 2: STATES WITH THE LARGEST SHORTFALL BETWEEN AVERAGE RENTER WAGE AND TWO-BEDROOM HOUSING WAGE

HI MDCANJ VTMAWACT

-$21.59 -$13.78 -$13.01 -$10.60 -$9.90 -$9.56 -$8.72 -$8.55

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. Many extremely low-income families can afford far less. Individuals relying on Supplemental Security Income (SSI) can afford a monthly rent of only $235. For unemployed workers, Congress passed a $600 per week supplement to their states’ unemployment insurance through the end of July, which will keep many newly unemployed families housed. Once that supplement ends, however, a household receiving the average

unemployment insurance benefit can

afford a rent of no more than $503 per month. Since unemployment insurance is determined by an individual’s former wages, those who had been making the minimum wage receive even less. On average, a laid-off full-time worker who had been earning the state minimum wage would be able to afford a monthly rent of approximately $250.

Housing is a basic human need and should be regarded an unconditional human right. The massive wave of unemployment in 2020 underscores that access to decent, stable housing should not be conditioned on one’s wages or work status. The needs of the labor market can change overnight, wages set by the market do not necessarily

reflect many jobs’ societal value, and

people can be out of the labor force for many valid reasons not immediately obvious to others (e.g., due to invisible disabilities or caregiving responsibilities). Low-wage workers should be able to afford their housing, and we as a nation should ensure people

The massive wave of unemployment in 2020 underscores that access to decent, stable housing should not be conditioned on one’s wages or work status.

have access to affordable housing whether or not they are employed.

Significant investments are needed

to increase the supply of affordable rental housing, preserve the existing stock, and expand rental assistance to all who need it. At its current funding levels, federal housing assistance is available to only one in four eligible low-income households (Fischer &

Sard, 2017). Significant emergency

rental assistance is needed in the short run, to keep low-income renters stably housed during and after the pandemic. In the long run, a deep, sustained commitment to the national Housing Trust Fund, Housing Choice Vouchers (HCVs), and public housing could make affordable rental housing for all a reality.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

RISING INEQUALITY, LOW WAGES, AND THE WIDESPREAD UNAFFORDABLE COST OF RENTAL HOUSING

ow-wage workers have been struggling to afford their housing for decades, regardless of the state of the economy. Over the last 40 years, the labor market in the United States has experienced job polarization—a decline of jobs in the middle of the wage distribution and growth at the extremes (Autor & Dorn, 2013; Tüzeman & Willis, 2013). Whether due to technological changes, outsourcing, international trade patterns, or the decline of unions, income inequality has increased significantly. Between 1979 and 2018, real hourly wages grew 1.6% for the lowest-wage (10th percentile of) workers, 6.1% for median-wage workers, and 37.6% for the highest-wage (90th percentile of) workers (Congressional Research Service, 2019). The real median gross rent, meanwhile, increased by approximately 37% between 1980 and 2018.

For many low-wage workers, flat wage growth

and other worsening workplace circumstances

make it more difficult for them to achieve

long-term economic stability, to save for future needs, or to take on second jobs to help

pay the bills. A rise of “fissured” workplaces,

where many roles are subcontracted out, has meant low-wage workers experience fewer opportunities for promotion, weaker labor-standards enforcement, and less job security (Weil, 2014; Bernhardt et al., 2016). The decline of organized labor has

dampened nonmanagerial incomes and reduced workers’ ability to participate in determining their working circumstances,

which influences how well they can negotiate

work-life balance or take on multiple jobs (Rosenfeld, 2006; Anderson, 2017). One extreme example of this loss of control is “just-in-time” scheduling: many hourly workers do not know when or how much they will work each week, undermining their ability to make long-term plans and budgets (Lambert, Henly, & Kim, 2019).
no state, metropolitan area, or county in the U.S. can a worker earning the federal or prevailing state or local minimum wage afford a modest two-bedroom rental home at fair market rent by working a standard 40-hour work week. In only 5% of all U.S. counties (144 counties out of more than 3,000 nationwide, not including Puerto Rico) can a full-time minimum-wage worker afford a one-bedroom rental home at fair market rent. Forty-nine local jurisdictions have minimum wages higher than the federal or state minimum wage, but these local minimum-wage ordinances all fall short of the local one-bedroom and two-bedroom Housing Wage (Appendix A).

Even the average renter too often does not earn enough to afford a modest rental home. Nationally, the average renter’s hourly wage is $18.22, which is $5.74 below the national two-bedroom Housing Wage and $1.34

below the national one-bedroom Housing Wage. In 49 states, the District of Columbia, and Puerto Rico, the average renter earns less than the average two-bedroom Housing Wage. (North Dakota is the sole exception.) In 16 states, including California, Florida, and New York, the average renter earns at least $5.00 less than the state’s average two-bedroom Housing Wage. Figure 2 shows the ten states with the largest gap between the average renter’s wage and the two-bedroom Housing Wage. In 21 states and Puerto Rico, the average renter’s wage is lower than the one-bedroom Housing Wage.

Low-wage workers have been struggling to afford their housing for decades, regardless of the state of the economy.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

FIGURE 3: HOURLY WAGES BY PERCENTILE VS. ONE AND TWO-BEDROOM HOUSING WAGES

00
00 Two-Bedroom Housing Wage ($23.96)

One-Bedroom Housing Wage ($19.56)

$10.25 $12.53 $14.91 $17.01 $19.68 $23.37 $28.45

10th 20th 30th 40th 50th 60th 70th

Percentile Percentile Percentile Percentile Percentile Percentile Percentile

Wage Wage Wage Wage Wage Wage Wage

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.

FIGURE 4: TWELVE OF THE TWENTY LARGEST OCCUPATIONS IN THE UNITED STATES PAY LESS THAN THE HOUSING WAGE

Two-Bedroom Housing Wage One-Bedroom Housing Wage

Secretaries and Administrative Assistants Motor Vehicle Operators Financial Clerks Other Production Occupations Other Offce and Administrative Support Workers Information and Record Clerks Material Moving Workers

Building Cleaning and Pest Control Workers Home Health and Personal Care Aides; and Nursing Assistants, Orderlies, and Psychiatric Aides

Cooks and Food Preparation Workers Retail Sales Workers Food and Beverage Serving Workers

$23.96 $11.24 $12.08 $12.70 $12.94 $13.04 $14.25 $16.70 $17.01 $17.46 $18.89 $18.90 $19.55 $19.56

Source: Occupational wages from May 2019 Occupational Employment Statistics, BLS, adjusted to 2020 dollars. Housing wages based on HUD fair market rents.

The income distribution in Figure 3, which includes all wage and salary workers, shows that modest rental housing is out of reach for nearly every worker in the bottom half of the wage distribution. A modest one-bedroom rental home is unaffordable to more than 40% of wage earners. A modest two-bedroom rental home is unaffordable for more than 60% of wage earners.

Twelve of the 20 largest occupations in the United States pay a median hourly wage that is less than what a full-time worker needs to earn to afford a modest apartment at the national average fair market rent (Figure 4). The workers in these occupations account for more than 38% of the total U.S. workforce, excluding farmworkers. Roughly 16 million people work in retail sales or food and beverage service, occupations whose median wages are far less than what full-time workers need to afford a one-bedroom or two-bedroom apartment. Home health aides, personal care workers, and nursing assistants, occupations that are disproportionately Black and Latino, earn a median wage just two-thirds of what a full-time worker needs for a one-bedroom apartment. Other workers who do not earn enough to afford rental housing

are found in offices, performing administrative

support, data entry, and bookkeeping. Other low-wage workers operate heavy machinery at construction sites, keep public transit and the consumer-goods supply chains working, serve in doctors’ and dentists’

offices, and clean buildings and hotels.

IMPACT OF COVID-19 PANDEMIC ON LOWWAGE WORKERS

COVID-19 has had an especially devastating impact on many of the workers in the lowest-paid fields. In the first five weeks of widespread closures, between March 15 and April 18, 24.4 million people applied for unemployment insurance, and households with lower incomes were likelier to report employment or income loss related to the outbreak. The Bureau of Labor Statistics estimated that the job sectors most directly exposed to COVID-19 shutdowns were restaurants and bars, travel and transportation, entertainment, personal service (e.g., daycare providers and barbers), some retail (e.g., department stores), and some manufacturing (e.g., aircraft manufacturing). Those industries account for more than 20% of all workers, and they have a disproportionate number of low-wage jobs. Over half of the jobs in these industries have incomes in the bottom 20% of the U.S. wage distribution

12.4% 17.6% 16.8% 4% 6.7% 6% White Black La˜no FIGURE 5: UNEMPLOYMENT RATE BY RACE

(Bureau of Labor Statistics, 2020b).

Over 50% of the decline in jobs in April came from three broad industries: accommodation and food services, retail trade, and health care and social assistance, all sectors with many low-wage jobs. Restaurants and bars in most states were closed or restricted to takeout and delivery, and retail stores faced a historic drop in sales (U.S. Census Bureau, 2020). Accommodation and food services include waitstaff, cooks, and housekeepers. The retail trade sector includes salesclerks, cashiers, and stockers, many of whom work for minimum wages. The health care and social assistance sector includes home health care aides and childcare workers. These same sectors account for the largest shares of working extremely low-income renter households,

who often struggle

pay their rent even when times are good. Sixteen percent of extremely low-income renter households in the labor force were working in accommodation and food service,
in health

March 2020 April 2020 May2020

care and social

Source: U.S. Bureau of Labor Statistics, Employment Situation Summary, June 5, 2020.

assistance, and 15% in retail (NLIHC, 2020d).

Black and Latino workers were especially hard hit: the unemployment rates for Black and Latino workers were already higher than the unemployment rate for white workers before the pandemic, and the racial disparity increased further in April and May (Figure 5). While the unemployment rate declined for white workers in May, it did not improve for Black workers. In March 2020, the Latino and Black unemployment rates were two percentage points and 2.7 percentage points higher than the white unemployment rate. By May, the unemployment rates for Latinos and Blacks were 5.2 and 4.4 percentage points higher. Part of this disparity may be explained by the overrepresentation of Black and Latino workers in industries most severely affected by the pandemic. Food preparation and food service workers, hotel clerks, cashiers, childcare workers, and personal care aides are all disproportionately Black and Latino (Bureau of Labor Statistics, 2020c).

In a bitter irony, many who do not earn enough to afford their basic needs were deemed essential workers during widespread closures and stay-at-home orders, required to take on considerable danger to help keep grocery stores open, food delivery and transportation on schedule, and patients attended to in long-term care facilities. Black workers are more likely to be found in these frontline positions—they are overrepresented in grocery, convenience

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

RACIAL AND ETHNIC HOUSING DISPARITIES

and drug stores; public transit; trucking, warehouse, and postal service; building cleaning services; health care; and social services (Rho, Brown, & Fremstad, 2020).

This unprecedented shock to the labor market may have long-lasting consequences for low-wage workers, especially if high rates of joblessness last longer than the temporary unemployment supplement provided by the CARES Act. Low-wage workers who were unable to afford their rent prior to the crisis, and who lack emergency savings, are dealing with even more hardship today. Even those low-wage workers who were lucky to be temporarily furloughed rather than laid off and those who are able to go

P eople of color disproportionately face

greater challenges in finding decent

and affordable housing in the U.S., and income inequality contributes to those challenges. Income inequality along racial lines is the product of historical and ongoing discrimination, economic exploitation, and unequal opportunities. Figure 6 compares

the hourly wage distributions of white, Black,

and Latino workers. For example, the 10th percentile wage bars show what the lowest-

paid 10% of white, Black, and Latino workers

are paid. White workers at the bottom of

the white income distribution earn more

than Black and Latino workers at the bottom

of their respective income distributions. A

Black worker at the 20th percentile of Black

wages earns 15% less than a white worker at the 20th percentile of white wages. A Latino worker at the 20th percentile of Latino wages earns 9% less than the 20th percentile white worker. This disparity holds

across all income levels. The median Black

worker and Latino worker earns 24% and 25% less than the median white worker.

Unsurprisingly, Black and Latino workers face larger gaps between their wages and the cost of housing than white workers. The

to work will still have considerable

difficulty paying off their past-due

bills and catching up with delayed rent payments, given that their

incomes were already insufficient

for their housing and other basic necessities before the crisis.

People of color disproportionately face greater challenges in

finding decent and

affordable housing in the U.S., and income inequality contributes to those challenges.

$35.00 $30.00 $25.00 $20.00 $15.00 $10.00 $5.00 $0.00

White

Black

Latino

Two-Bedroom Housing Wage ($23.96)

$25.53 $30.86 $18.90 $22.16 $18.29 $20.84 One-Bedroom Housing Wage ($19.56) $13.29 $18.45 $21.71 $11.30 $15.15 $10.75 $9.78 $10.12 $12.06 $14.69

$15.73
	$13.17	$13.13

$16.41

$16.18

10th 20th 30th 40th 50th 60th 70th Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage Percentile Wage

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

THE SYSTEMIC SHORTAGE OF AFFORDABLE HOUSING

median-wage, full-time white worker earns a wage adequate to afford a one-bedroom apartment at fair market rent, but the median-wage, full-time Black or Latino worker does not (Figure 6). At the 60th percentile, a full-time white worker can afford a two-bedroom rental home at fair market rent. Meanwhile, a full-time Black or Latino worker at the 60th percentile-wage for their race or ethnicity cannot afford even a one-bedroom rental.

This income inequality partly explains why 44% of Black households and 42% of Latino households spend more than 30% of their incomes on housing, compared to 26% of white households (U.S. Census Bureau, 2019). The unaffordability of the rental market disproportionately harms Black and Latino households in two ways. First, as seen in Figure 5, Black and Latino households earn

less, which makes it more difficult to find

housing affordable to them. Second, Black and Latino households are more likely at all income levels to be renters. In 2018, 27% of white households were renters, compared with 55% of Latino households and 59% of Black households (U.S. Census Bureau, 2019). Historical and ongoing discrimination has limited opportunities for homeownership for many people of color, and they compete

for an insufficient number of affordable

rental homes available on the market.

The median-wage, full-time white worker earns a wage adequate

in a multifamily building was

to afford a one-bedroom apartment at fair market rent, but the

$1,670, far more than what low-

median-wage, full-time Black or Latino worker does not.

R ecent catastrophic shocks to the economy have multiplied and exacerbated the problems that low-

wage workers face, but the shortage of

affordable rental housing is a longstanding,

persistent feature of our society. The latest

data show that there are only 36 affordable

and available rental homes for every 100

renter households with extremely low

incomes (NLIHC, 2020b), and every state

and nearly every county in the U.S. lacks

an adequate supply (HUD, 2019). As a

result, 86% of extremely low-income renters

cannot afford their rent, and 71% spend

more than half of their incomes on housing

costs. Severely housing cost-burdened

households are forced to choose between

housing and other basic necessities, such

as food, health care, transportation, and

childcare. Most severely cost-burdened

households are renters with extremely low

incomes. Though extremely low-income

renter households account for only 25% of all

renters, they account for 72% of all severely

housing cost-burdened renter households.

The private market fails to provide a sufficient

supply of affordable housing for the lowest-income renters. Most new rental housing in the private market is built for high-income

renters, in order to turn a profit after paying

high development costs. The median asking rent in 2018 for a new apartment wage workers can afford (Joint Center for Housing Studies, 2020). Only 28% of renters in 2018 could afford this level of rent.

The argument is frequently made that new development will start a process by which

housing will “filter down” to the lowest-

income renters, as older housing is vacated by

those with higher incomes. This filtering does

not provide enough housing for the lowest-income renters, though, because landlords often do not have an incentive to maintain housing at the rent levels that the lowest-income renters can afford. When the housing market is strong, landlords have an incentive to renovate their properties to capture higher rents. In weak markets, they have an

incentive to find other uses of their property.

The number of low-cost homes with monthly rents below $800 (in constant 2017 dollars) declined by 4 million between 2011 and 2017, including 1 million units in 2017 alone (Joint Center for Housing Studies, 2019). This rent level ($800) is affordable to households with annual incomes less than $32,000 per year.

A systematic failure of markets to provide socially necessary goods is a compelling reason for the government to intervene. In the U.S., however, federal housing assistance is grossly underfunded, reaching only one out of every four eligible households (Fischer & Sard, 2017). The majority of HUD’s housing assistance budget must go to renewing rental contracts and already-committed vouchers,

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

FEDERAL POLICY TO SECURE AFFORDABLE HOMES

leaving few resources for building more affordable housing or providing rental assistance to additional households.

Emergency rental assistance is needed to ensure renters can afford to remain stably housed at least until the economy begins to recover.

e need significant

investment in our

federal rental housing programs to ensure that everyone has a decent and affordable home. Housing is a basic necessity – an essential ingredient of individual and public health, stability, and dignity. The COVID-19 crisis has demonstrated the recklessness of letting people’s access to basic necessities like housing depend on the contingencies of the economy.

While the COVID-19 public health crisis and explosive growth in unemployment has triggered some immediate protections for some renters, far more must be accomplished to secure emergency rental assistance and to realize longer-term housing solutions. The federal eviction moratoriums for renters in federally-supported rental properties included in the CARES Act and other state and local moratoriums are important protections for renters during this crisis, but they provide a patchwork of temporary protections that exclude many renters. Many of these moratoriums are coming to an end. We need a uniform, national moratorium that would cover all renters. The “Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act,” passed in the House of Representatives, includes such a moratorium that would cover most renters for twelve months.

Evictions moratoriums do not relieve renters of accrued debt from missed rental payments. Emergency rental assistance is needed to ensure renters can afford to remain stably housed at least until the economy begins to recover. The “Emergency Rental Assistance and Rental Market Stabilization Act,” introduced by Representative Maxine Waters (D-CA), Representative Denny Heck (D-WA), and Senator Sherrod Brown (D-OH), would provide states and local governments with $100 billion in emergency rental assistance to help renters with housing costs for up to 24 months or with six months of back rent and late fees (NLIHC, 2020a). Multiple studies, including analysis from NLIHC (2020d), suggest that at least this amount in emergency rental assistance is needed for low-income renters who are struggling as a result of shutdowns and layoffs. The HEROES Act includes $100 billion for emergency rental assistance.

the long run, Congress should create a permanent National Housing Stabilization Fund to provide emergency assistance to families who experience a sudden and temporary shock
their finances. Many low-wage workers live one financial

emergency – like the sudden loss of income or unexpected medical expenses – away from housing instability. Temporary assistance would prevent evictions, housing instability, and, in the worse cases, homelessness by helping households stay in their homes during and after those unexpected events. The “Eviction Crisis Act,” introduced by Senators Michael Bennet (DCO) and Rob Portman (R-OH), would create an Emergency Assistance Fund for state and local governments to establish

short-term financial assistance

and housing stabilization services.

Addressing the roots of the housing affordability problem,

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

however, requires a significant and sustained commitment to

rental housing programs that provide long-term rental assistance to low-income renters, increase the affordable housing supply, and preserve the affordable rental homes that already exist. Long-term solutions should be targeted to serve those low-wage and low-income families with the greatest needs.

Congress should fully fund the Housing Choice Voucher (HCV) program. Participants in the HCV program pay 30% of their adjusted gross incomes toward housing costs in the private market, and the voucher covers the remaining costs up to the local housing authority’s payment standard. Vouchers typically cost less than new construction,

making them an efficient option in markets where there is already

an abundant supply of vacant, physically adequate housing. The “Pathway to Stable and Affordable Housing for All Act,” introduced by Senators Mazie Hirono (D-HI), Kirsten Gillibrand (D-NY), and Cory Booker (D-NJ), would fully fund Housing Choice Vouchers. Given that

many voucher-holders struggle to find voucher-accepting landlords, a

federal ban on discrimination against voucher-holders is also needed. Congress should also expand the supply of affordable rental housing

with significant increases in capital investments. A large investment

in the national Housing Trust Fund (HTF) could create, preserve, or rehabilitate rental housing for renters with extremely low incomes. Currently funded by small mandatory contributions from Fannie Mae and Freddie Mac, the national HTF is a block grant that gives states

flexibility in how they use the money, provided at least 90% is used

for rental housing and 75% of rental housing serves extremely low-

income households. One hundred percent of funds must benefit

extremely low-income households while the HTF is capitalized under $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.”

Significant capital investment should also be made in public housing,

which provides an affordable home and housing stability to some of the nation’s poorest renters. Public housing is a critical component of the U.S. housing infrastructure, but public housing authorities face a 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

during the current pandemic (e.g., investments in personal protective equipment, increased cleaning schedules and wellness checks) and delayed repair schedules, capital repair needs may be even greater after COVID-19. The “Housing is Infrastructure Act of 2019,” introduced by Representative Waters (D-CA), would invest more than $100 billion to address the capital needs of public housing, create homes through the national HTF, and address the severe housing needs on tribal lands. An expansion of public housing could provide affordable homes to many households who currently do not receive any housing assistance. The Faircloth Amendment, which forbids expanding public housing beyond its 1999 levels, should be repealed. The “Homes for All Act” introduced by Representative Ilhan Omar (D-MN), would repeal the Faircloth amendment and invest $1 trillion for 9.5 million new public housing apartments and 2.5 million deeply affordable rental homes. Both Representative Waters’s “Housing is Infrastructure Act” and a repeal of the Faircloth amendment were included in the “Moving Forward Act” passed by the House.

We also need to ensure adequate funding to renew Project-Based Rental Assistance (PBRA) contracts with private owners of subsidized rental housing. Tenants of PBRA housing contribute 30% of their adjusted gross income towards rent, and HUD pays the rest. Adequate appropriations for PBRA can protect these rental homes from being permanently lost from the affordable housing stock.

Tax reform could also help house the poorest renters. A deeply income-targeted, fully refundable renters’ tax credit for housing cost-burdened renters would provide the difference between 30% of a renter’s household income and their actual housing costs, up to a modest price. The “Housing, Opportunity, Mobility, and Equity Act,” introduced

Addressing the roots of the housing affordability problem, however, requires

a significant and sustained commitment

to rental housing programs.

THE NUMBERS IN THIS REPORT

by Senator Cory Booker (D-NJ), and the “Rent Relief Act,” introduced by Senator Kamala Harris (D-CA), provide a refundable tax credit to cost-burdened renters.

The Low-Income Housing Tax Credit (LIHTC) program, the nation’s largest production subsidy for affordable housing, should be reformed to better target the needs of extremely low-income households. A 50% basis boost in tax credits for developments that set aside at least 20% of their housing for extremely low-income renters would help redirect those credits where they are most needed. The “Affordable Housing Tax Credit Improvement Act,” introduced by Senators Maria Cantwell (D-WA), Todd Young (R-IN), Ron Wyden (D-OR), and Johnny Isakson (R-GA) and Representatives Suzan DelBene (D-WA), Kenny Marchant (R-TX), Don Beyer (D-VA), and Jackie Walorski (R-IN), would provide such a basis boost and incentives to build in rural communities and on tribal lands, which have unique barriers to development.

Millions of households were already living with housing instability at the beginning of 2020, and millions of additional renters now struggle to afford their rental housing during the COVID-19 crisis. The enduring problem of housing unaffordability ultimately calls for fundamental structural reform and the investments needed to ensure housing stability in the future.

ut of Reach data are available for every state, metropolitan area, and county at www.nlihc.org/oor. We encourage you to visit the site, click on your state, and select “more info” to see an interactive page on which you can choose specific metropolitan areas or counties in your state. The final pages of this report describe where the numbers come from and how to use them, identify the most expensive jurisdictions, and provide state rankings.

The Housing Wage varies considerably across the country. The Housing Wage for a modest two-bedroom rental home in the San Francisco metropolitan area, for example, is $64.21/hr, far higher than the national Housing Wage. On the other end of the price spectrum, the two-bedroom Housing Wage is $11.77/hr in areas of Alabama. Even so, many jurisdictions with lower-than-average Housing Wages still suffer from a shortage of affordable rental homes. Jurisdictions with a low Housing Wage tend to have less vibrant economies and lower-than-average household incomes, meaning a low Housing Wage is still out of reach for too many households.

The Housing Wage is based on HUD FMRs, which are estimates of what a family moving today can expect to pay for a modest rental home, not what all renters are currently paying. The FMR is the basis of the rent-payment standard for Housing Choice Vouchers and other HUD programs. The FMR is usually set at the 40th percentile of rents for typical homes occupied by recent movers in an area. FMRs are often applied uniformly within each FMR area, which is either a metropolitan area or nonmetropolitan county. Therefore, the Housing Wage

does not reflect rent variations within a

metropolitan area or nonmetropolitan county.

HUD publishes Small Area FMRs based on U.S. Postal Service ZIP codes to better

reflect small-scale market conditions within

metropolitan areas. NLIHC calculated the Housing Wage for each ZIP code to illustrate the variation in the Housing Wage within metropolitan areas. These wages can be found online at www.nlihc.org/oor.

Readers are cautioned against comparing statistics in one edition of Out of Reach with those in another. Over time, HUD has changed its methodology for calculating FMRs and incomes. Since 2012, HUD has developed FMR estimates using American Community Survey (ACS) data to determine base rents, and this methodology can introduce more year-to-year variability. From time to time, an area’s FMRs are based on local rent surveys rather than the ACS. For these reasons, not all differences between previous editions of Out of Reach

and this year’s report reflect actual market

dynamics. Please consult the appendices and NLIHC research staff for assistance with interpreting changes in the data over time.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

REFERENCES

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Autor, D. H., & Dorn, D. (2013). The growth of low-skill service jobs and the polarization of the U.S. labor market. American Economic Review, 103(5): 1553-97.

Bernhardt, A., Batt, R., Houseman, S., & Appelbaum, E. (2016). Domestic outsourcing in the United States: A research agenda to assess trends and effects on job quality. Washington, DC: Center for Economic and Policy Research.

Board of Governors of the Federal Reserve System. (2018). Report on the economic well-being of U.S. households in 2017. Washington, DC: Federal Reserve.

Board of Governors of the Federal Reserve System. (2020). Report on the Economic Well-Being of U.S. Households in 2019, Featuring Supplemental Data from April 2020. Washington, DC: Federal Reserve.

Congressional Research Service. (2019). Real wage trends, 1979 to 2018. Washington, DC: Library of Congress.

Cooper, D. (2019). Raising the federal minimum wage to $15 by 2024 would lift pay for nearly 40 million workers. Washington, DC: Economic Policy Institute.

Fischer, W., & Sard, B. (2017). Chart book: Federal housing spending is poorly matched to need. Washington, DC: Center on Budget and Policy Priorities.

Gross, C. P., Essien, U. R., Pasha, S., Gross, J. R., Wang, S., Nunez-Smith, M. (2020). Racial and ethnic disparities in population level COVID-19 mortality. Preprint, Medrxiv.

Horowitz, J. M., Igielnik, R., & Kochhar, R. (2020). Most Americans say there is too much economic inequality in the U.S., but fewer than half call it a top priority. Washington, DC: Pew Research Center.

Joint Center for Housing Studies of Harvard University. (2019). The state of the nation's housing 2019. Cambridge, MA: Joint Center for Housing Studies.

Lambert, S. J., Henly, J. R., & Kim, J. (2019). Precarious work schedules as a source of economic insecurity and institutional distrust. RSF: The Russell Sage Foundation Journal of the Social Sciences 5(4): 218-57.

Livingston, G. (2018). The changing profile of unmarried parents. Washington, DC: Pew Research Center.

Millett, G. A., Jones, A .T., Benkeser, D., Baral, S., Mercer, L., Beyrer, C., Honermann, B., Lankiewicz, E., Mena, L., Crowley, J. S., Sherwood, J., & Sullivan, P. (2020). Assessing differential impacts of COVID-19 on Black communities. Washington, DC: amfAR, Foundation for AIDS Research.

National Low Income Housing Coalition. (2020a). Emergency rental assistance: Ensuring housing stability during the COVID-19 pandemic. Washington, DC: Author.

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National Low Income Housing Coalition. (2020b). The gap: A shortage of affordable and available homes 2020. Washington, DC: Author.

National Low Income Housing Coalition. (2020c). Public housing.

Advocates' guide to housing and community development policy.

National Low Income Housing Coalition. (2020d). Research Note: Emergency Rental Assistance Needs for Workers Struggling Due to COVID-19. Washington, DC: Author.

Parker, K., Horowitz, J. M., & Brown, A. (2020, April 21). About half of lower-income Americans report household job or wage loss due to COVID-19. Washington, DC: Pew Research Center.

Rho, H. J., Brown, H., & Fremstad, S. (2020). A basic demographic profile of workers in frontline industries. Washington, DC: Center for Economic and Policy Research.

Rosenfeld, J. (2006). Widening the gap: The effect of declining unionization on managerial and worker pay, 1983-2000. Research in Social Stratification and Mobility 24(3): 223-238.

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Tüzeman, D., & Willis, J. (2013). The vanishing middle: Job polarization and workers’ response to the decline in middle-skill jobs. Economic Review (Federal Reserve Bank of Kansas City), First Quarter: 5-32.

Bureau of Labor Statistics. (2020a). Employment situation summary, May 2020.
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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 43,669,988The annual median family $18.22 per hour (2020).

to earn at least $23.96 per renter households in theincome (AMI) in the Unitedhour in order to afford a two-United States (2014-2018).

States is $80,320 (2020).

bedroom home at FMR.

FY20 HOUSING WAGE	HOUSING COSTS	AREA MEDIAN INCOME (AMI)	RENTER HOUSEHOLDS
Hourly wage needed to afford 2 BR1 FMR2	2 BR FMR	Annual income needed to afford 2 BR FMR	Full-time jobs at minimum wage3 needed to afford 2 BR FMR	Annual AMI4	Monthly rent affordable at AMI5	30% of AMI	Monthly rent affordable at 30% of AMI	Renter households	% of total households	Estimated hourly mean renter wage	Rent affordable at mean renter wage	Full-time jobs at mean renter wage needed to afford 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 rental home in the United States is $1,246 (2020).

renter household needs an annual income of $49,830 in order to afford a two-bedroom rental home at FMR.
the United States, a family at 30% of AMI earns $24,096 annually.

For a family earning 30% of AMI, monthly rent of $602 or less is affordable.

a full-time worker earns the mean renter wage, monthly rent of $948 or less is affordable.
average, a renter household
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: 3:	FMR = Fiscal Year 2020 Fair Market Rent. This calculation uses the higher of the county, state, or federal minimum wage, where applicable.	5:	Affordable rents represent the generally accepted standard of spending no more than 30% of gross income on rent and utilities.
OUT OF REACH 2020 \| NATIONAL LOW INCOME HOUSING COALITION			13

Divide income needed to afford FMR ($49,830) by 52 (weeks per year) and then by 40 (hours per work week) ($49,830 / 52 = $958; $958 / Multiply Annual AMI by .3 to get maximum amount that can be spent on housing for it to be affordable ($80,320 x .3 = $24,096). Divide by 12 to obtain monthly amount ($24,096 / 12 = $2,008).

HUD FY20 estimated median family income based on data from the American Community Survey (ACS). See Appendix B.

Divide number of renter households by total number of households (ACS 2014-2018) (43,669,988 / 120,935,203 = .36). Then multiply by 100 (.36 x 100 = 36%).

ACS (2014-2018).

Average wage reported by the Bureau of Labor Statistics (BLS) for 2018, adjusted to reflect the income of renter households relative to all households in the United States, and projected to 2020. See Appendix B.

40 = $23.96).

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

RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) % of total households 36% Annual AMI4 $80,320 Monthly rent affordable of AMI $602 Monthly rent affordable wage $18.22 households 43,669,988 wage 3 needed 2.4 2 BR afford at 30% at AMI5 $2,008 30% of AMI $24,096UNITED STATES Estimated hourly mean renter Renter HOUSING COSTS Full-time jobs at minimum to afford 2 BR FMR FMR $1,246 Annual income needed to 2 BR FMR $49,830 FY20 HOUSING WAGE Monthly rent affordable at mean renter wage $948 Full-time jobs at mean renter wage needed to afford 2 BR FMR 1.3 Hourly wage needed to afford 2 BR1 FMR2 $23.96

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).

by 12 to obtain monthly amount

National average of jobs needed

($ 7,228.80 / 12 = $602.40).

across all counties, weighted by 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: 3:	FMR = Fiscal Year 2020 Fair Market Rent. This calculation uses the higher of the county, state, or federal minimum wage, where applicable.	5:	Affordable rents represent the generally accepted standard of spending no more than 30% of gross income on rent and utilities.
OUT OF REACH 2020 \| NATIONAL LOW INCOME HOUSING COALITION			14

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.

VT $23.36

NH $23.43

MA $35.52

CT $26.42

RI $21.16

NJ $29.69 DE $21.96 MD $28.06 DC $32.83

AL $15.44

PR $9.36

Less than $17.00

Two-Bedroom Housing Wage ME $19.79 NY $32.53 PAIA ND HI $19.23 VA $23.64MO WV $14.97KS OH $15.99INILUT$20.48 $16.32 MIWY $17.42 $21.30 WI $17.27 MN $20.53 $16.07 AR $14.19 LA $17.48 TX $20.90 $16.18 $16.59 $15.46 OK $21.10 NM $15.93 $16.43 SD $15.24 MT $16.88 WA $30.46 OR $24.37 CA $36.96 AK $25.07 $38.76 $26.45 $16.37 NC $17.67TN KY SC NE $16.27 ID $17.15 CO$19.83 NV AZ $17.09 $14.99 $17.30 GA $19.11 MS $14.89 FL $24.43

$17.00 to less than $23.00 $23.00 or More

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

nTABLES & 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

OUT OF REACH 2020 16

OUT OF REACH 2019|NATIONAL LOW INCOME HOUSING COALITION

MOST EXPENSIVE JURISDICTIONS
Metropolitan Areas	Housing Wage for Two-Bedroom FMR1		Metropolitan Counties2	Housing Wage for Two-Bedroom FMR

San Francisco, CA HMFA3	$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 State Nonmetropolitan Areas (Combined) Housing Wage for Two-Bedroom FMR Nonmetropolitan Counties (or County-Equivalents) Housing Wage for 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

FMR = Fair Market Rent. 2 Excludes metropolitan counties in New England.
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.

4 MSA = Metropolitan Statistical Area. Geographic entities defined by OMB for use by the federal statistical agencies in collecting, tabulating, and publishing federal statistics. 17

STATES RANKED BY TWO-BEDROOM HOUSING WAGE

States are ranked from most expensive to least expensive.

Rank1	State	Housing Wage for Two-Bedroom FMR2

Rank1	State	Housing Wage for Two-Bedroom FMR2

Hawaii
California
Massachusetts
New York
Washington
New Jersey
Maryland
Colorado
Connecticut
Alaska
Florida
Oregon
Virginia
New Hampshire
Vermont
Delaware
Illinois
Rhode Island
Arizona
Texas
Minnesota
Nevada
Utah
Maine
Pennsylvania
Georgia
Includes District of Columbia and Puerto Rico. 2 FMR = Fair Market Rent.
67 $17.48 $17.42 $17.30 $17.27 $17.15 $17.09 $16.88 $16.59 $16.43 $16.37 $16.32 $16.27 $16.18 $16.07 $15.99 $15.93 $15.46 $15.44 $15.24 $14.99 $14.97 $14.89 $14.19
76 $36.96 $35.52 $32.53 $30.46 $29.69 $28.06 $26.45 $26.42 $25.07 $24.43 $24.37 $23.64 $23.43 $23.36 $21.96 $21.30 $21.16 $21.10 $20.90 $20.53 $20.48 $19.83 $19.79
29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51
23
District of Columbia $32.83
11
Puerto Rico $9.36

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

North Carolina Louisiana Michigan South Carolina Wisconsin Wyoming Tennessee Montana Idaho Kansas New Mexico Indiana Nebraska North Dakota Missouri Ohio Oklahoma Iowa Alabama South Dakota Kentucky West Virginia Mississippi Arkansas

OTHER FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS State Hourly wage needed to afford 2 BR1 FMR2 2 BR FMR Annual income needed to Afford 2 BR FMR Full-time jobs at minimum wage3 needed to afford 2 BR FMR Annual AMI4 Monthly rent affordable at AMI5 30% of AMI Monthly rent affordable at 30% AMI Renter households (2014-2018) % of total households (2014-2018) Estimated hourly mean renter wage (2020) Monthly rent affordable at mean renter wage Full-time jobs at mean renter wage needed to afford 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 STATE SUMMARY

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

STATE SUMMARY FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS State Hourly wage needed to afford 2 BR1 FMR2 2 BR FMR Annual income needed to Afford 2 BR FMR Full-time jobs at minimum wage3 needed to afford 2 BR FMR Annual AMI4 Monthly rent affordable at AMI5 30% of AMI Monthly rent affordable at 30% AMI Renter households (2014-2018) % of total households (2014-2018) Estimated hourly mean renter wage (2020) Monthly rent affordable at mean renter wage Full-time jobs at mean renter wage needed to afford 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 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 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

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 than 30% of income on housing — a household must earn $2,676 monthly or $32,110 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT ALABAMA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$13.30
2-Bedroom Housing Wage		$15.44
Number of Renter Households		585,046
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Birmingham-Hoover HMFA	$18.96
Daphne-Fairhope-Foley MSA	$17.62
Tuscaloosa HMFA	$17.02
Mobile MSA	$16.81
Montgomery MSA	$15.96

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR

Rent affordable at area median income (AMI)

Rent affordable with full-time job paying mean renter wage

Rent affordable at 30% of AMI

Rent affordable with full-time job paying minimum wage

Rent affordable to SSI recipient

$15.44

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$665
$692 $496 $377 $235

$500 $1000 $1500 $2000

AL-22

Alabama Combined Nonmetro Areas

Metropolitan Areas Anniston-Oxford-Jacksonville MSA Auburn-Opelika MSA Birmingham-Hoover HMFA Chilton County HMFA Columbus MSA Daphne-Fairhope-Foley MSA Decatur MSA Dothan HMFA Florence-Muscle Shoals MSA Gadsden MSA Henry County HMFA Huntsville MSA Mobile MSA Montgomery MSA Pickens County HMFA Tuscaloosa HMFA Walker County HMFA

$15.44	$803	$32,110	2.1	$66,123	$1,653	$19,837	$496	585,046	31%	$13.30	$692	1.2
$12.09	$629	$25,141	1.7	$52,138	$1,303	$15,641	$391	128,796	29%	$11.24	$585	1.1
$13.46	$700	$28,000	1.9	$61,500	$1,538	$18,450	$461	13,747	31%	$10.47	$545	1.3
$15.60	$811	$32,440	2.2	$76,500	$1,913	$22,950	$574	23,552	40%	$9.35	$486	1.7
$18.96	$986	$39,440	2.6	$73,100	$1,828	$21,930	$548	125,871	32%	$16.44	$855	1.2
$13.73	$714	$28,560	1.9	$56,100	$1,403	$16,830	$421	4,213	25%	$11.67	$607	1.2
$15.19	$790	$31,600	2.1	$62,300	$1,558	$18,690	$467	9,139	40%	$13.37	$695	1.1
$17.62	$916	$36,640	2.4	$81,000	$2,025	$24,300	$608	20,741	26%	$11.95	$622	1.5
$13.21	$687	$27,480	1.8	$63,600	$1,590	$19,080	$477	15,396	26%	$12.33	$641	1.1
$12.81	$666	$26,640	1.8	$61,300	$1,533	$18,390	$460	16,571	33%	$12.81	$666	1.0
$13.73	$714	$28,560	1.9	$64,200	$1,605	$19,260	$482	18,088	30%	$10.39	$540	1.3
$13.33	$693	$27,720	1.8	$65,000	$1,625	$19,500	$488	10,895	28%	$10.31	$536	1.3
$11.77	$612	$24,480	1.6	$59,700	$1,493	$17,910	$448	1,147	17%	$13.04	$678	0.9
$15.04	$782	$31,280	2.1	$85,300	$2,133	$25,590	$640	54,668	31%	$14.28	$743	1.1
$16.81	$874	$34,960	2.3	$61,400	$1,535	$18,420	$461	54,711	35%	$13.76	$716	1.2
$15.96	$830	$33,200	2.2	$65,700	$1,643	$19,710	$493	51,274	36%	$12.81	$666	1.2
$11.77	$612	$24,480	1.6	$53,900	$1,348	$16,170	$404	1,961	26%	$8.80	$458	1.3
$17.02	$885	$35,400	2.3	$67,800	$1,695	$20,340	$509	28,285	36%	$11.80	$614	1.4
$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.

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.

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.

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

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

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 than 30% of income on housing — a household must earn $4,346 monthly or $52,147 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT ALASKA:

STATE FACTS
Minimum Wage		$10.19
Average Renter Wage		$19.55
2-Bedroom Housing Wage		$25.07
Number of Renter Households		91,290
Percent Renters		36%

MOST EXPENSIVE AREAS	HOUSING WAGE
Aleutians West Census Area	$33.75
Bethel Census Area	$32.46
Nome Census Area	$32.40
Denali Borough	$29.60
Juneau City and Borough	$28.50

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.5

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR

Rent affordable at area median income (AMI)

Rent affordable with full-time job paying mean renter wage

Rent affordable at 30% of AMI

Rent affordable with full-time job paying minimum wage

Rent affordable to SSI recipient

$25.07

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1304 $1005

$1017 $697 $530 $344
$1000 $1500 $2000 $2500

AK-27

Alaska Combined Nonmetro Areas

Metropolitan Areas Anchorage HMFA Fairbanks MSA Matanuska-Susitna Borough HMFA

Counties Aleutians East Borough Aleutians West Census Area Anchorage Municipality Bethel Census Area Bristol Bay Borough Denali Borough Dillingham Census Area Fairbanks North Star Borough Haines Borough Hoonah-Angoon Census Area Juneau City and Borough Kenai Peninsula Borough Ketchikan Gateway Borough

Kodiak Island Borough Kusilvak Census Area Lake and Peninsula Borough

Matanuska-Susitna Borough Nome Census Area North Slope Borough Northwest Arctic Borough Petersburg Census Area Prince of Wales-Hyder Census Area Sitka City and Borough Skagway Municipality Southeast Fairbanks Census Area Valdez-Cordova Census Area Wrangell City and Borough Yakutat City and Borough Yukon-Koyukuk Census Area $32.40

$25.07	$1,304	$52,147	2.5	$92,899	$2,322	$27,870	$697	91,290	36%	$19.55	$1,017	1.3
$26.11	$1,358	$54,318	2.6	$87,497	$2,187	$26,249	$656	27,308	34%	$23.29	$1,211	1.1
$25.10	$1,305	$52,200	2.5	$97,300	$2,433	$29,190	$730	41,697	39%	$18.95	$985	1.3
$25.48	$1,325	$53,000	2.5	$93,100	$2,328	$27,930	$698	15,150	41%	$17.08	$888	1.5
$20.06	$1,043	$41,720	2.0	$91,400	$2,285	$27,420	$686	7,135	23%	$11.31	$588	1.8
$23.13	$1,203	$48,120	2.3	$77,700	$1,943	$23,310	$583	328	38%	$27.47	$1,428	0.8
$33.75	$1,755	$70,200	3.3	$100,100	$2,503	$30,030	$751	845	72%	$31.02	$1,613	1.1
$25.10	$1,305	$52,200	2.5	$97,300	$2,433	$29,190	$730	41,697	39%	$18.95	$985	1.3
$32.46	$1,688	$67,520	3.2	$56,900	$1,423	$17,070	$427	1,774	39%	$22.96	$1,194	1.4
$23.12	$1,202	$48,080	2.3	$102,500	$2,563	$30,750	$769	157	47%	$24.06	$1,251	1.0
$29.60	$1,539	$61,560	2.9	$110,500	$2,763	$33,150	$829	140	22%	$18.65	$970	1.6
$26.79	$1,393	$55,720	2.6	$65,000	$1,625	$19,500	$488	564	40%	$18.45	$959	1.5
$25.48	$1,325	$53,000	2.5	$93,100	$2,328	$27,930	$698	15,150	41%	$17.08	$888	1.5
$20.33	$1,057	$42,280	2.0	$80,000	$2,000	$24,000	$600	334	33%	$16.95	$881	1.2
$19.02	$989	$39,560	1.9	$74,500	$1,863	$22,350	$559	209	26%	$13.07	$680	1.5
$28.50	$1,482	$59,280	2.8	$117,800	$2,945	$35,340	$884	4,507	36%	$15.89	$826	1.8
$22.92	$1,192	$47,680	2.2	$89,700	$2,243	$26,910	$673	5,809	27%	$14.86	$773	1.5
$27.19	$1,414	$56,560	2.7	$87,300	$2,183	$26,190	$655	2,087	39%	$13.59	$707	2.0
$27.54	$1,432	$57,280	2.7	$98,400	$2,460	$29,520	$738	1,968	45%	$16.04	$834	1.7
$18.13	$943	$37,720	1.8	$38,500	$963	$11,550	$289	435	26%	$14.93	$776	1.2
$17.44	$907	$36,280	1.7	$50,700	$1,268	$15,210	$380	131	31%	$23.97	$1,246	0.7
$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.

685 $67,400 3.2
600 $1,390 $16,680 $417
141 40% $27.47 $1,429 1.2 $28.50
482 $59,280 2.8
900 $2,123 $25,470 $637
50% $54.57 $2,837 0.5 $27.15
412 $56,480 2.7
000 $1,550 $18,600 $465
44% $43.74 $2,275 0.6 $22.63
177 $47,080 2.2
900 $1,998 $23,970 $599
32% $11.13 $579 2.0 $21.44
115 $44,600 2.1
600 $1,690 $20,280 $507
27% $15.05 $783 1.4 $24.87
293 $51,720 2.4
100 $2,228 $26,730 $668
499 42% $15.67 $815 1.6 $26.54
380 $55,200 2.6
600 $2,090 $25,080 $627
49% $13.25 $689 2.0 $24.94
297 $51,880 2.4
700 $2,068 $24,810 $620
26% $26.52 $1,379 0.9 $23.87
241 $49,640 2.3
200 $2,830 $33,960 $849
27% $22.80 $1,186 1.0 $19.40
009 $40,360 1.9
400 $1,785 $21,420 $536
32% $8.46 $440 2.3 $23.63
229 $49,160 2.3
800 $2,270 $27,240 $681
38% $13.42 $698 1.8 $15.69
$32,640 1.5
400 $1,285 $15,420 $386
28% $17.65 $918 0.9
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $3,658 monthly or $43,892 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT ARIZONA:

STATE FACTS
Minimum Wage		$12.00
Average Renter Wage		$17.46
2-Bedroom Housing Wage		$21.10
Number of Renter Households		918,235
Percent Renters		36%

MOST EXPENSIVE AREAS	HOUSING WAGE
Flagstaff MSA	$24.35
Phoenix-Mesa-Scottsdale MSA	$22.56
Prescott MSA	$19.73
Tucson MSA	$18.25
Gila County	$17.73

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$500 $1000 $1500 $2000

AZ-30

$21.10

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1097 $882

$1824 $908 $547 $624

Arizona Combined Nonmetro Areas

Metropolitan Areas

Flagstaff MSA

Lake Havasu City-Kingman MSA

Phoenix-Mesa-Scottsdale MSA

Prescott MSA

Sierra Vista-Douglas MSA

Tucson MSA

Yuma MSA

Counties Apache County Cochise County Coconino County Gila County Graham County Greenlee County La Paz County Maricopa County Mohave County Navajo County Pima County Pinal County Santa Cruz County $14.46

$21.10	$1,097	$43,892	1.8	$72,954	$1,824	$21,886	$547	918,235	36%	$17.46	$908	1.2
$15.55	$809	$32,349	1.3	$51,026	$1,276	$15,308	$383	33,192	29%	$16.31	$848	1.0
$24.35	$1,266	$50,640	2.0	$75,200	$1,880	$22,560	$564	18,639	39%	$13.27	$690	1.8
$16.75	$871	$34,840	1.4	$55,700	$1,393	$16,710	$418	26,810	31%	$14.36	$747	1.2
$22.56	$1,173	$46,920	1.9	$77,800	$1,945	$23,340	$584	622,826	38%	$18.44	$959	1.2
$19.73	$1,026	$41,040	1.6	$64,600	$1,615	$19,380	$485	26,952	28%	$13.66	$711	1.4
$16.48	$857	$34,280	1.4	$66,300	$1,658	$19,890	$497	15,184	31%	$13.16	$685	1.3
$18.25	$949	$37,960	1.5	$68,400	$1,710	$20,520	$513	150,781	38%	$14.65	$762	1.2
$15.69	$816	$32,640	1.3	$56,500	$1,413	$16,950	$424	23,851	33%	$13.03	$677	1.2
$13.90	$723	$28,920	1.2	$43,200	$1,080	$12,960	$324	4,407	22%	$22.44	$1,167	0.6
$16.48	$857	$34,280	1.4	$66,300	$1,658	$19,890	$497	15,184	31%	$13.16	$685	1.3
$24.35	$1,266	$50,640	2.0	$75,200	$1,880	$22,560	$564	18,639	39%	$13.27	$690	1.8
$17.73	$922	$36,880	1.5	$51,800	$1,295	$15,540	$389	5,675	26%	$14.51	$754	1.2
$16.40	$853	$34,120	1.4	$62,400	$1,560	$18,720	$468	3,315	31%	$13.23	$688	1.2
$13.73	$714	$28,560	1.1	$64,600	$1,615	$19,380	$485	1,639	51%	$40.79	$2,121	0.3
$16.48	$857	$34,280	1.4	$47,300	$1,183	$14,190	$355	2,292	26%	$12.63	$657	1.3
$22.56	$1,173	$46,920	1.9	$77,800	$1,945	$23,340	$584	587,655	39%	$18.54	$964	1.2
$16.75	$871	$34,840	1.4	$55,700	$1,393	$16,710	$418	26,810	31%	$14.36	$747	1.2
$15.42	$802	$32,080	1.3	$53,200	$1,330	$15,960	$399	10,646	31%	$12.41	$645	1.2
$18.25	$949	$37,960	1.5	$68,400	$1,710	$20,520	$513	150,781	38%	$14.65	$762	1.2
$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.

$752 $30,080 1.2

800 $1,170 $14,040 $351
218 34% $12.84 $668 1.1

Yavapai County $19.73

$1,026 $41,040 1.6

600 $1,615 $19,380 $485
952 28% $13.66 $711 1.4

Yuma County $15.69

$816 $32,640 1.3

500 $1,413 $16,950 $424
851 33% $13.03 $677 1.2
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $2,459 monthly or $29,514 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT ARKANSAS:

STATE FACTS
Minimum Wage		$10.00
Average Renter Wage		$13.92
2-Bedroom Housing Wage		$14.19
Number of Renter Households		395,744
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Crittenden County	$17.00
Fayetteville-Springdale-Rogers HMFA	$15.52
Little Rock-North Little Rock-Conway HMFA	$15.46
Jonesboro HMFA	$15.25
Texarkana HMFA	$15.23

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$14.19

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.1

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$593
$724 $461 $520 $235

$500 $1000 $1500 $2000

AR-33

Arkansas Combined Nonmetro Areas

Metropolitan Areas Fayetteville-Springdale-Rogers HMFA Fort Smith HMFA Grant County HMFA Hot Springs MSA Jonesboro HMFA Little River County HMFA Little Rock-North Little Rock-Conway HMFA Memphis HMFA Pine Bluff MSA Poinsett County HMFA Texarkana HMFA

Counties Arkansas County Ashley County

Baxter County Benton County Boone County Bradley County Calhoun County

Wage data not available (See Appendix B).
Wage data not available (See Appendix B).

$14.19	$738	$29,514	1.4	$61,408	$1,535	$18,422	$461	395,744	34%	$13.92	$724	1.0
$12.41	$646	$25,820	1.2	$50,668	$1,267	$15,200	$380	133,878	30%	$11.70	$609	1.1
$15.52	$807	$32,280	1.6	$73,600	$1,840	$22,080	$552	73,177	39%	$18.14	$943	0.9
$13.19	$686	$27,440	1.3	$54,200	$1,355	$16,260	$407	25,921	35%	$13.11	$681	1.0
$13.63	$709	$28,360	1.4	$64,700	$1,618	$19,410	$485	1,363	20%	$11.14	$579	1.2
$14.85	$772	$30,880	1.5	$63,900	$1,598	$19,170	$479	12,939	32%	$11.60	$603	1.3
$15.25	$793	$31,720	1.5	$65,200	$1,630	$19,560	$489	17,355	43%	$11.50	$598	1.3
$12.12	$630	$25,200	1.2	$54,500	$1,363	$16,350	$409	1,506	28%	$16.08	$836	0.8
$15.46	$804	$32,160	1.5	$72,200	$1,805	$21,660	$542	100,292	36%	$14.42	$750	1.1
$17.00	$884	$35,360	1.7	$67,900	$1,698	$20,370	$509	7,885	42%	$12.05	$627	1.4
$13.71	$713	$28,520	1.4	$52,600	$1,315	$15,780	$395	11,904	35%	$12.77	$664	1.1
$12.12	$630	$25,200	1.2	$46,600	$1,165	$13,980	$350	3,447	37%	$11.90	$619	1.0
$15.23	$792	$31,680	1.5	$69,800	$1,745	$20,940	$524	6,077	36%	$12.03	$626	1.3
$12.35	$642	$25,680	1.2	$51,800	$1,295	$15,540	$389	2,788	36%	$13.20	$686	0.9
$12.12	$630	$25,200	1.2	$50,800	$1,270	$15,240	$381	2,084	26%	$9.96	$518	1.2
$13.44	$699	$27,960	1.3	$51,400	$1,285	$15,420	$386	4,441	24%	$12.65	$658	1.1
$15.52	$807	$32,280	1.6	$73,600	$1,840	$22,080	$552	31,715	34%	$21.33	$1,109	0.7
$12.12	$630	$25,200	1.2	$49,900	$1,248	$14,970	$374	4,232	28%	$12.58	$654	1.0
$12.12	$630	$25,200	1.2	$49,800	$1,245	$14,940	$374	1,701	37%	$12.66	$658	1.0
$13.02	$677	$27,080	1.3	$50,400	$1,260	$15,120	$378	318	16%	$11.32	$589	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.

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.

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.

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

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

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 than 30% of income on housing — a household must earn $6,407 monthly or $76,879 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT CALIFORNIA:

STATE FACTS
Minimum Wage		$13.00
Average Renter Wage		$23.96
2-Bedroom Housing Wage		$36.96
Number of Renter Households		5,880,000
Percent Renters		45%

MOST EXPENSIVE AREAS	HOUSING WAGE
San Francisco HMFA	$64.21
San Jose-Sunnyvale-Santa Clara HMFA	$57.12
Santa Cruz-Watsonville MSA	$48.44
Santa Maria-Santa Barbara MSA	$44.69
Oakland-Fremont HMFA	$43.06

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

114

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$36.96

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1922 $1522 $1246 $682 $676 $283

$1000 $1500 $2000 $2500

CA-38

California Combined Nonmetro Areas

Metropolitan Areas Bakersfield MSA Chico MSA El Centro MSA Fresno MSA Hanford-Corcoran MSA Los Angeles-Long Beach-Glendale HMFA Madera MSA Merced MSA Modesto MSA Napa MSA Oakland-Fremont HMFA Oxnard-Thousand Oaks-Ventura MSA Redding MSA Riverside-San Bernardino-Ontario MSA Sacramento--Roseville--Arden-Arcade HMFA Salinas MSA San Benito County HMFA San Diego-Carlsbad MSA * San Francisco HMFA San Jose-Sunnyvale-Santa Clara HMFA San Luis Obispo-Paso Robles-Arroyo Grande MSA Santa Ana-Anaheim-Irvine HMFA Santa Cruz-Watsonville MSA Santa Maria-Santa Barbara MSA Santa Rosa MSA Stockton-Lodi MSA Vallejo-Fairfield MSA Visalia-Porterville MSA Yolo HMFA Yuba City MSA

$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
$20.00	$1,040	$41,610	1.5	$70,912	$1,773	$21,273	$532	111,615	34%	$12.60	$655	1.6
$18.19	$946	$37,840	1.4	$56,600	$1,415	$16,980	$425	112,518	42%	$13.97	$726	1.3
$20.96	$1,090	$43,600	1.6	$66,100	$1,653	$19,830	$496	35,439	41%	$13.59	$707	1.5
$19.75	$1,027	$41,080	1.5	$55,600	$1,390	$16,680	$417	18,340	42%	$9.19	$478	2.1
$18.85	$980	$39,200	1.4	$61,700	$1,543	$18,510	$463	143,680	47%	$12.99	$676	1.5
$20.46	$1,064	$42,560	1.6	$62,200	$1,555	$18,660	$467	20,621	48%	$14.18	$737	1.4
$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
$21.25	$1,105	$44,200	1.6	$59,400	$1,485	$17,820	$446	16,132	36%	$13.28	$691	1.6
$18.21	$947	$37,880	1.4	$52,300	$1,308	$15,690	$392	38,228	48%	$14.23	$740	1.3
$21.25	$1,105	$44,200	1.6	$69,300	$1,733	$20,790	$520	73,603	43%	$15.80	$822	1.3
$36.15	$1,880	$75,200	2.8	$109,200	$2,730	$32,760	$819	17,776	36%	$18.33	$953	2.0
$43.06	$2,239	$89,560	3.3	$119,200	$2,980	$35,760	$894	402,485	42%	$24.51	$1,275	1.8
$37.37	$1,943	$77,720	2.9	$97,800	$2,445	$29,340	$734	99,672	37%	$17.98	$935	2.1
$18.58	$966	$38,640	1.4	$68,500	$1,713	$20,550	$514	25,752	37%	$13.43	$698	1.4
$24.79	$1,289	$51,560	1.9	$75,300	$1,883	$22,590	$565	502,841	37%	$14.44	$751	1.7
$25.94	$1,349	$53,960	2.0	$86,300	$2,158	$25,890	$647	292,090	39%	$17.26	$898	1.5
$34.81	$1,810	$72,400	2.7	$81,600	$2,040	$24,480	$612	61,690	49%	$16.78	$873	2.1
$32.88	$1,710	$68,400	2.5	$89,700	$2,243	$26,910	$673	6,476	37%	$16.06	$835	2.0
$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.

Counties Alameda County Alpine County Amador County Butte County Calaveras County Colusa County Contra Costa County Del Norte County El Dorado County Fresno County

$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
$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
$31.87	$1,657	$66,280	2.5	$97,300	$2,433	$29,190	$730	41,331	39%	$15.72	$818	2.0
$42.62	$2,216	$88,640	3.3	$103,000	$2,575	$30,900	$773	440,104	43%	$21.87	$1,137	1.9
$48.44	$2,519	$100,760	3.7	$110,000	$2,750	$33,000	$825	38,883	41%	$15.54	$808	3.1
$44.69	$2,324	$92,960	3.4	$87,800	$2,195	$26,340	$659	69,322	48%	$18.34	$954	2.4
$37.48	$1,949	$77,960	2.9	$102,700	$2,568	$30,810	$770	74,246	39%	$18.92	$984	2.0
$22.00	$1,144	$45,760	1.7	$75,000	$1,875	$22,500	$563	100,630	44%	$14.84	$771	1.5
$30.56	$1,589	$63,560	2.4	$95,400	$2,385	$28,620	$716	58,647	39%	$19.50	$1,014	1.6
$18.10	$941	$37,640	1.4	$52,900	$1,323	$15,870	$397	58,792	43%	$12.23	$636	1.5
$27.00	$1,404	$56,160	2.1	$92,500	$2,313	$27,750	$694	35,497	48%	$14.93	$777	1.8
$20.90	$1,087	$43,480	1.6	$75,000	$1,875	$22,500	$563	24,592	42%	$14.05	$731	1.5
$43.06	$2,239	$89,560	3.3	$119,200	$2,980	$35,760	$894	267,736	47%	$25.52	$1,327	1.7
$19.50	$1,014	$40,560	1.5	$83,200	$2,080	$24,960	$624	48	16%	$10.34	$537	1.9
$21.69	$1,128	$45,120	1.7	$78,700	$1,968	$23,610	$590	3,292	23%	$11.17	$581	1.9
$20.96	$1,090	$43,600	1.6	$66,100	$1,653	$19,830	$496	35,439	41%	$13.59	$707	1.5
$19.00	$988	$39,520	1.5	$80,400	$2,010	$24,120	$603	3,891	22%	$12.13	$631	1.6
$18.04	$938	$37,520	1.4	$66,400	$1,660	$19,920	$498	2,742	39%	$13.56	$705	1.3
$43.06	$2,239	$89,560	3.3	$119,200	$2,980	$35,760	$894	134,749	34%	$22.38	$1,164	1.9
$18.81	$978	$39,120	1.4	$57,400	$1,435	$17,220	$431	3,684	38%	$10.22	$532	1.8
$25.94	$1,349	$53,960	2.0	$86,300	$2,158	$25,890	$647	16,182	23%	$14.07	$732	1.8
$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.

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.

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

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

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 than 30% of income on housing — a household must earn $4,585 monthly or $55,016 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT COLORADO:

STATE FACTS
Minimum Wage		$12.00
Average Renter Wage		$19.49
2-Bedroom Housing Wage		$26.45
Number of Renter Households		742,242
Percent Renters		35%

MOST EXPENSIVE AREAS	HOUSING WAGE
Boulder MSA	$33.02
Pitkin County	$30.37
Denver-Aurora-Lakewood MSA	$30.12
Eagle County	$27.58
Summit County	$27.19

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$500 $1000 $1500 $2000 $2500

CO-43

$26.45

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1375 $1103

$2299 $1013 $690 $624

Colorado Combined Nonmetro Areas

Metropolitan Areas Boulder MSA Colorado Springs HMFA Denver-Aurora-Lakewood MSA Fort Collins MSA Grand Junction MSA Greeley MSA Pueblo MSA Teller County HMFA

Counties

Adams County Alamosa County Arapahoe County Archuleta County

Baca County Bent County Boulder County Broomfield County Chaffee County Cheyenne County Clear Creek County

† Wage data not available (See Appendix B).

$26.45	$1,375	$55,016	2.2	$91,959	$2,299	$27,588	$690	742,242	35%	$19.49	$1,013	1.4
$18.25	$949	$37,967	1.5	$70,611	$1,765	$21,183	$530	84,055	31%	$14.62	$760	1.2
$33.02	$1,717	$68,680	2.8	$115,100	$2,878	$34,530	$863	47,801	38%	$19.94	$1,037	1.7
$21.94	$1,141	$45,640	1.8	$81,600	$2,040	$24,480	$612	91,815	36%	$16.19	$842	1.4
$30.12	$1,566	$62,640	2.5	$100,000	$2,500	$30,000	$750	398,634	36%	$22.23	$1,156	1.4
$23.92	$1,244	$49,760	2.0	$99,400	$2,485	$29,820	$746	47,280	35%	$15.22	$791	1.6
$19.90	$1,035	$41,400	1.7	$67,700	$1,693	$20,310	$508	20,003	33%	$12.92	$672	1.5
$20.12	$1,046	$41,840	1.7	$84,300	$2,108	$25,290	$632	27,957	27%	$15.51	$806	1.3
$16.12	$838	$33,520	1.3	$61,200	$1,530	$18,360	$459	22,756	36%	$12.56	$653	1.3
$21.46	$1,116	$44,640	1.8	$81,800	$2,045	$24,540	$614	1,941	19%	$11.47	$597	1.9
$30.12	$1,566	$62,640	2.5	$100,000	$2,500	$30,000	$750	57,178	35%	$17.35	$902	1.7
$14.40	$749	$29,960	1.2	$49,100	$1,228	$14,730	$368	2,725	44%	$13.09	$681	1.1
$30.12	$1,566	$62,640	2.5	$100,000	$2,500	$30,000	$750	87,727	37%	$21.96	$1,142	1.4
$17.67	$919	$36,760	1.5	$58,400	$1,460	$17,520	$438	1,442	25%	$11.69	$608	1.5
$13.73	$714	$28,560	1.1	$48,800	$1,220	$14,640	$366	464	28%	$11.98	$623	1.1
$13.73	$714	$28,560	1.1	$43,400	$1,085	$13,020	$326	625	36%	$12.60	$655	1.1
$33.02	$1,717	$68,680	2.8	$115,100	$2,878	$34,530	$863	47,801	38%	$19.94	$1,037	1.7
$30.12	$1,566	$62,640	2.5	$100,000	$2,500	$30,000	$750	8,999	34%	$30.08	$1,564	1.0
$15.81	$822	$32,880	1.3	$71,300	$1,783	$21,390	$535	1,855	23%	$9.90	$515	1.6
$13.73	$714	$28,560	1.1	$72,800	$1,820	$21,840	$546	192	26%	$17.27	$898	0.8
$30.12	$1,566	$62,640	2.5	$100,000	$2,500	$30,000	$750	1,092	24%	$13.71	$713	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.

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.

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.

Yuma County $13.73

$28,560 1.1
100 $1,353 $16,230 $406
490 37% $13.84 $720 1.0

† Wage data not available (See Appendix B).

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

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 more than 30% of income on housing — a household must earn $4,580 monthly or $54,956 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT CONNECTICUT:

STATE FACTS
Minimum Wage		$11.00
Average Renter Wage		$17.70
2-Bedroom Housing Wage		$26.42
Number of Renter Households		460,240
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Stamford-Norwalk HMFA	$39.98
Danbury HMFA	$33.63
Southern Middlesex County HMFA	$27.87
New Haven-Meriden HMFA	$27.06
Milford-Ansonia-Seymour HMFA	$26.46

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$26.42

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1374 $1109

$921 $764 $572 $276
$2000 $3000

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

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

Connecticut Combined Nonmetro Areas

Metropolitan Areas Bridgeport HMFA Colchester-Lebanon HMFA Danbury HMFA Hartford-West Hartford-East Hartford HMFA Milford-Ansonia-Seymour HMFA New Haven-Meriden HMFA Norwich-New London HMFA Southern Middlesex County HMFA Stamford-Norwalk HMFA Waterbury HMFA Windham County HMFA

Counties Litchfield County

$26.42 $22.69	$1,374 $1,180	$54,956 $47,200	2.4 2.1	$101,816 $102,600	$2,545 $2,565	$30,545 $30,780	$764 $770	460,240 16,908	34% 23%	$17.70 $11.99	$921 $623	1.5 1.9
$25.88 $23.69 $33.63 $23.65 $26.46 $27.06 $22.90 $27.87 $39.98 $21.52 $19.62	$1,346 $1,232 $1,749 $1,230 $1,376 $1,407 $1,191 $1,449 $2,079 $1,119 $1,020	$53,840 $49,280 $69,960 $49,200 $55,040 $56,280 $47,640 $57,960 $83,160 $44,760 $40,800	2.4 2.2 3.1 2.2 2.4 2.5 2.1 2.5 3.6 2.0 1.8	$98,000 $115,000 $122,000 $97,400 $108,200 $91,200 $91,800 $112,000 $143,400 $80,300 $86,900	$2,450 $2,875 $3,050 $2,435 $2,705 $2,280 $2,295 $2,800 $3,585 $2,008 $2,173	$29,400 $34,500 $36,600 $29,220 $32,460 $27,360 $27,540 $33,600 $43,020 $24,090 $26,070	$735 $863 $915 $731 $812 $684 $689 $840 $1,076 $602 $652	42,489 1,689 18,878 152,962 13,093 82,593 34,254 4,054 49,955 29,876 13,489	33% 19% 26% 34% 27% 39% 35% 20% 36% 41% 30%	$22.45 $16.83 $22.45 $16.92 $15.50 $15.50 $16.83 $14.42 $22.45 $15.50 $10.71	$1,167 $875 $1,167 $880 $806 $806 $875 $750 $1,167 $806 $557	1.2 1.4 1.5 1.4 1.7 1.7 1.4 1.9 1.8 1.4 1.8
$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.

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 than 30% of income on housing — a household must earn $3,806 monthly or $45,669 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT DELAWARE:

STATE FACTS
Minimum Wage		$9.25
Average Renter Wage		$17.83
2-Bedroom Housing Wage		$21.96
Number of Renter Households		103,457
Percent Renters		29%

MOST EXPENSIVE AREAS	HOUSING WAGE
New Castle County	$23.58
Kent County	$20.08
Sussex County	$18.23

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$21.96

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1142 $940

$927 $648 $481 $235
$1000 $1500 $2000 $2500

DE-52

Delaware

Metropolitan Areas Philadelphia-Camden-Wilmington MSA Sussex County HMFA Counties New Castle County Sussex County

† Wage data not available (See Appendix B).

96
08 $23.58 $18.23
08 $23.58 $18.23
142
044 $1,226 $948
044 $1,226 $948
669
760 $49,040 $37,920
760 $49,040 $37,920
4

342 $2,159 $25,903 $648
457 29% $17.83 $927 1.2

2.2

$68,400 $1,710 $20,520 $513

991 31%
5

600 $2,415 $28,980 $725
193 32% $19.33 $1,005 1.2

2.0

900 $1,898 $22,770 $569
273 20% $12.61 $656 1.4

2.2

$68,400 $1,710 $20,520 $513

991 31%
5

600 $2,415 $28,980 $725
193 32% $19.33 $1,005 1.2

2.0

900 $1,898 $22,770 $569
273 20% $12.61 $656 1.4

BR = Bedroom
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.

DISTRICT OF COLUMBIA #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 paying more than 30% of income on housing — a household must earn $5,690 monthly or $68,280 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT DISTRICT OF COLUMBIA:

STATE FACTS
Minimum Wage		$15.00
Average Renter Wage		$29.20
2-Bedroom Housing Wage		$32.83
Number of Renter Households		163,751
Percent Renters		58%

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

MOST EXPENSIVE AREAS	HOUSING WAGE

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

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

$235

$32.83

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1500
$1518 $945 $780

DC-54

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

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

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 than 30% of income on housing — a household must earn $4,234 monthly or $50,807 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT FLORIDA:

STATE FACTS
Minimum Wage		$8.56
Average Renter Wage		$17.28
2-Bedroom Housing Wage		$24.43
Number of Renter Households		2,667,159
Percent Renters		35%

MOST EXPENSIVE AREAS	HOUSING WAGE
Monroe County	$33.23
Miami-Miami Beach-Kendall HMFA	$31.25
Fort Lauderdale HMFA	$29.38
West Palm Beach-Boca Raton HMFA	$28.96
Naples-Immokalee-Marco Island MSA	$26.56

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

114

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.9

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$24.43

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1270 $1027

$898 $515 $445 $235
$1000 $1500 $2000

FL-56

Florida Combined Nonmetro Areas

Metropolitan Areas Baker County HMFA Cape Coral-Fort Myers MSA Crestview-Fort Walton Beach-Destin HMFA Deltona-Daytona Beach-Ormond Beach HMFA Fort Lauderdale HMFA Gainesville MSA Gulf County HMFA Homosassa Springs MSA Jacksonville HMFA Lakelandnter Haven MSA Miami-Miami Beach-Kendall HMFA Naples-Immokalee-Marco Island MSA North Port-Sarasota-Bradenton MSA Ocala MSA Orlando-Kissimmee-Sanford MSA Palm Bay-Melbourne-Titusville MSA Palm Coast HMFA Panama City-Lynn Haven-Panama City Beach HMFA Pensacola-Ferry Pass-Brent MSA Port St. Lucie MSA Punta Gorda MSA Sebastian-Vero Beach MSA Sebring MSA Tallahassee HMFA Tampa-St. Petersburg-Clearwater MSA The Villages MSA Wakulla County HMFA Walton County HMFA West Palm Beach-Boca Raton HMFA

$24.43	$1,270	$50,807	2.9	$68,669	$1,717	$20,601	$515	2,667,159	35%	$17.28	$898	1.4
$17.85	$928	$37,129	2.1	$52,881	$1,322	$15,864	$397	70,942	28%	$12.64	$657	1.4
$15.15	$788	$31,520	1.8	$71,600	$1,790	$21,480	$537	2,101	24%	$8.77	$456	1.7
$22.73	$1,182	$47,280	2.7	$68,700	$1,718	$20,610	$515	79,907	29%	$15.93	$828	1.4
$21.46	$1,116	$44,640	2.5	$81,600	$2,040	$24,480	$612	28,637	37%	$14.40	$749	1.5
$21.37	$1,111	$44,440	2.5	$64,900	$1,623	$19,470	$487	63,655	30%	$13.35	$694	1.6
$29.38	$1,528	$61,120	3.4	$74,800	$1,870	$22,440	$561	258,772	38%	$19.44	$1,011	1.5
$18.67	$971	$38,840	2.2	$69,800	$1,745	$20,940	$524	44,924	43%	$12.15	$632	1.5
$16.31	$848	$33,920	1.9	$59,300	$1,483	$17,790	$445	1,322	25%	$13.78	$717	1.2
$16.42	$854	$34,160	1.9	$55,900	$1,398	$16,770	$419	11,643	19%	$12.52	$651	1.3
$20.37	$1,059	$42,360	2.4	$75,000	$1,875	$22,500	$563	198,068	36%	$17.80	$926	1.1
$17.60	$915	$36,600	2.1	$58,800	$1,470	$17,640	$441	72,785	31%	$15.81	$822	1.1
$31.25	$1,625	$65,000	3.7	$59,100	$1,478	$17,730	$443	420,995	48%	$19.09	$993	1.6
$26.56	$1,381	$55,240	3.1	$82,300	$2,058	$24,690	$617	38,513	27%	$16.15	$840	1.6
$23.46	$1,220	$48,800	2.7	$76,700	$1,918	$23,010	$575	88,140	27%	$16.83	$875	1.4
$17.29	$899	$35,960	2.0	$55,000	$1,375	$16,500	$413	32,980	24%	$14.19	$738	1.2
$24.00	$1,248	$49,920	2.8	$68,100	$1,703	$20,430	$511	338,116	40%	$17.21	$895	1.4
$20.73	$1,078	$43,120	2.4	$69,200	$1,730	$20,760	$519	62,063	27%	$16.85	$876	1.2
$21.56	$1,121	$44,840	2.5	$65,600	$1,640	$19,680	$492	9,833	24%	$12.79	$665	1.7
$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.

Counties Alachua County Baker County Bay County Bradford County

Brevard County Broward County Calhoun County Charlotte County Citrus County Clay County Collier County

$18.35	$954	$38,160	2.1	$65,900	$1,648	$19,770	$494	61,222	34%	$15.29	$795	1.2
$23.21	$1,207	$48,280	2.7	$67,500	$1,688	$20,250	$506	44,218	25%	$15.17	$789	1.5
$19.65	$1,022	$40,880	2.3	$64,100	$1,603	$19,230	$481	15,603	20%	$12.58	$654	1.6
$19.58	$1,018	$40,720	2.3	$69,600	$1,740	$20,880	$522	12,565	22%	$13.01	$677	1.5
$16.29	$847	$33,880	1.9	$49,600	$1,240	$14,880	$372	10,113	25%	$11.50	$598	1.4
$19.60	$1,019	$40,760	2.3	$72,700	$1,818	$21,810	$545	59,239	44%	$13.00	$676	1.5
$23.19	$1,206	$48,240	2.7	$69,200	$1,730	$20,760	$519	428,455	36%	$18.16	$944	1.3
$16.69	$868	$34,720	2.0	$67,500	$1,688	$20,250	$506	5,595	10%	$11.86	$617	1.4
$17.94	$933	$37,320	2.1	$70,000	$1,750	$21,000	$525	2,141	19%	$11.07	$576	1.6
$16.92	$880	$35,200	2.0	$66,300	$1,658	$19,890	$497	6,881	26%	$12.95	$673	1.3
$28.96	$1,506	$60,240	3.4	$79,100	$1,978	$23,730	$593	172,077	31%	$18.97	$986	1.5
$18.67	$971	$38,840	2.2	$69,800	$1,745	$20,940	$524	43,854	45%	$12.22	$636	1.5
$15.15	$788	$31,520	1.8	$71,600	$1,790	$21,480	$537	2,101	24%	$8.77	$456	1.7
$18.06	$939	$37,560	2.1	$72,000	$1,800	$21,600	$540	25,654	37%	$14.23	$740	1.3
$14.35	$746	$29,840	1.7	$59,500	$1,488	$17,850	$446	2,825	31%	$12.65	$658	1.1
$20.73	$1,078	$43,120	2.4	$69,200	$1,730	$20,760	$519	62,063	27%	$16.85	$876	1.2
$29.38	$1,528	$61,120	3.4	$74,800	$1,870	$22,440	$561	258,772	38%	$19.44	$1,011	1.5
$13.73	$714	$28,560	1.6	$47,900	$1,198	$14,370	$359	802	18%	$10.33	$537	1.3
$19.65	$1,022	$40,880	2.3	$64,100	$1,603	$19,230	$481	15,603	20%	$12.58	$654	1.6
$16.42	$854	$34,160	1.9	$55,900	$1,398	$16,770	$419	11,643	19%	$12.52	$651	1.3
$20.37	$1,059	$42,360	2.4	$75,000	$1,875	$22,500	$563	19,294	26%	$13.69	$712	1.5
$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.

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.

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.

Volusia County $21.37

111 $44,440 2.5
900 $1,623 $19,470 $487
655 30% $13.35 $694 1.6

Wakulla County $17.94

$37,320 2.1
000 $1,750 $21,000 $525
141 19% $11.07 $576 1.6

Walton County $16.92

$35,200 2.0
300 $1,658 $19,890 $497
881 26% $12.95 $673 1.3

Washington County $13.73

$28,560 1.6
700 $1,268 $15,210 $380
913 23% $12.51 $650 1.1
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $3,313 monthly or $39,758 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT GEORGIA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$17.51
2-Bedroom Housing Wage		$19.11
Number of Renter Households		1,369,507
Percent Renters		37%

MOST EXPENSIVE AREAS	HOUSING WAGE
Atlanta-Sandy Springs-Roswell HMFA	$22.44
Savannah MSA	$19.42
Morgan County	$17.65
Butts County	$17.58
Hall County	$17.27

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

105

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.6

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying mean renter wage Rent affordable at 30% of AMI

Rent affordable with full-time job paying minimum wage

$377

Rent affordable to SSI recipient

$500 $1000 $1500 $2000

GA-62

$19.11

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$858

Georgia Combined Nonmetro Areas

Metropolitan Areas Albany MSA Athens-Clarke County MSA Atlanta-Sandy Springs-Roswell HMFA Augusta-Richmond County HMFA Brunswick MSA Butts County HMFA Chattanooga MSA Columbus MSA Dalton HMFA Gainesville MSA Haralson County HMFA Hinesville HMFA Lamar County HMFA Lincoln County HMFA Long County HMFA Macon HMFA Meriwether County HMFA Monroe County HMFA

† Wage data not available (See Appendix B).

$19.11	$994	$39,758	2.6	$72,224	$1,806	$21,667	$542	1,369,507	37%	$17.51	$911	1.1
$13.28	$691	$27,622	1.8	$52,282	$1,307	$15,684	$392	217,779	34%	$11.61	$604	1.1
$14.23	$740	$29,600	2.0	$52,300	$1,308	$15,690	$392	26,395	46%	$13.62	$708	1.0
$16.31	$848	$33,920	2.2	$65,600	$1,640	$19,680	$492	34,843	45%	$13.46	$700	1.2
$22.44	$1,167	$46,680	3.1	$82,700	$2,068	$24,810	$620	749,589	37%	$20.01	$1,041	1.1
$16.31	$848	$33,920	2.2	$65,900	$1,648	$19,770	$494	49,120	36%	$14.30	$743	1.1
$15.12	$786	$31,440	2.1	$71,200	$1,780	$21,360	$534	15,407	33%	$12.55	$653	1.2
$17.58	$914	$36,560	2.4	$51,600	$1,290	$15,480	$387	2,316	28%	$12.43	$646	1.4
$16.00	$832	$33,280	2.2	$72,600	$1,815	$21,780	$545	14,932	26%	$11.53	$600	1.4
$15.19	$790	$31,600	2.1	$62,300	$1,558	$18,690	$467	42,370	47%	$15.53	$808	1.0
$13.92	$724	$28,960	1.9	$53,100	$1,328	$15,930	$398	13,302	37%	$15.74	$819	0.9
$17.27	$898	$35,920	2.4	$75,500	$1,888	$22,650	$566	20,060	31%	$16.19	$842	1.1
$16.04	$834	$33,360	2.2	$57,300	$1,433	$17,190	$430	3,523	32%	$14.51	$754	1.1
$17.10	$889	$35,560	2.4	$50,200	$1,255	$15,060	$377	12,900	56%	$16.07	$835	1.1
$14.73	$766	$30,640	2.0	$57,300	$1,433	$17,190	$430	1,944	31%	$9.68	$504	1.5
$12.92	$672	$26,880	1.8	$52,000	$1,300	$15,600	$390	947	28%	$9.59	$499	1.3
$13.12	$682	$27,280	1.8	$59,100	$1,478	$17,730	$443	1,703	30%	$9.17	$477	1.4
$14.83	$771	$30,840	2.0	$59,000	$1,475	$17,700	$443	31,254	41%	$13.04	$678	1.1
$15.90	$827	$33,080	2.2	$51,700	$1,293	$15,510	$388	2,681	33%	$11.79	$613	1.3
$13.83	$719	$28,760	1.9	$70,600	$1,765	$21,180	$530	2,040	21%	$12.85	$668	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.

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.

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.

Dawson County $22.44

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

† Wage data not available (See Appendix B).

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

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.

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.

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.

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).

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

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 than 30% of income on housing — a household must earn $6,718 monthly or $80,613 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT HAWAII:

STATE FACTS
Minimum Wage		$10.10
Average Renter Wage		$17.17
2-Bedroom Housing Wage		$38.76
Number of Renter Households		190,420
Percent Renters		42%

MOST EXPENSIVE AREAS	HOUSING WAGE
Honolulu MSA	$41.54
Kauai County	$36.17
Kalawao County	$33.83
Maui County	$33.83
Hawaii County	$27.48

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

153

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

3.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying mean renter wage Rent affordable at 30% of AMI

Rent affordable with full-time job

$525

paying minimum wage Rent affordable to SSI recipient

$500 $1000 $1500 $2000 $2500

HI-71

$38.76

PER HOUR

STATE HOUSING WAGE

117

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$2015 $1541

$2429 $893 $729

Hawaii Combined Nonmetro Areas

Metropolitan Areas Honolulu MSA

Maui County HMFA

Counties Hawaii County Honolulu County

Kauai County Maui County

† Wage data not available (See Appendix B).

76
015 $80,613 3.8

168 $2,429 $29,151 $729
420 42% $17.17 $893 2.3 $29.81

$1,550 $62,015 3.0

789 $2,045 $24,537 $613
958 34% $14.63 $761 2.0

54
160 $86,400 4.1

600 $2,540 $30,480 $762
828 44% $18.05 $939 2.3

83
759 $70,360 3.3

$97,500 $2,438 $29,250 $731

96%
83
759 $70,360 3.3

500 $2,438 $29,250 $731
589 40% $15.49 $806 2.2

48
429 $57,160 2.7

200 $1,880 $22,560 $564
645 33% $14.67 $763 1.9 $41.54

$2,160 $86,400 4.1

600 $2,540 $30,480 $762
828 44% $18.05 $939 2.3 $33.83

$1,759 $70,360 3.3

500 $2,438 $29,250 $731
96% $36.17

$1,881 $75,240 3.6

800 $2,545 $30,540 $764
313 37% $14.56 $757 2.5 $33.83

$1,759 $70,360 3.3

500 $2,438 $29,250 $731
589 40% $15.49 $806 2.2
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $2,876 monthly or $34,511 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT IDAHO:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$13.26
2-Bedroom Housing Wage		$16.59
Number of Renter Households		190,031
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Blaine County	$20.04
Boise City HMFA	$18.10
Coeur d’Alene MSA	$17.83
Teton County	$17.75
Lewiston MSA	$16.69

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.59

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$863 $680

$689 $513 $377 $251
$1000 $1500 $2000

ID-73

Idaho Combined Nonmetro Areas

Metropolitan Areas Boise City HMFA Butte County HMFA Coeur d'Alene MSA Gem County HMFA Idaho Falls HMFA Lewiston MSA Logan MSA Pocatello MSA

Counties Ada County Adams County Bannock County Bear Lake County Benewah County Bingham County Blaine County Boise County Bonner County Bonneville County Boundary County

† Wage data not available (See Appendix B).

$16.59	$863	$34,511	2.3	$68,372	$1,709	$20,511	$513	190,031	31%	$13.26	$689	1.3
$15.01	$780	$31,212	2.1	$59,917	$1,498	$17,975	$449	63,683	31%	$11.53	$599	1.3
$18.10	$941	$37,640	2.5	$74,800	$1,870	$22,440	$561	77,681	31%	$14.47	$753	1.3
$15.33	$797	$31,880	2.1	$55,200	$1,380	$16,560	$414	166	16%	$34.06	$1,771	0.4
$17.83	$927	$37,080	2.5	$70,400	$1,760	$21,120	$528	17,862	30%	$13.54	$704	1.3
$16.42	$854	$34,160	2.3	$53,200	$1,330	$15,960	$399	1,747	27%	$7.67	$399	2.1
$15.23	$792	$31,680	2.1	$70,500	$1,763	$21,150	$529	13,467	28%	$11.69	$608	1.3
$16.69	$868	$34,720	2.3	$73,900	$1,848	$22,170	$554	4,804	29%	$11.66	$606	1.4
$13.77	$716	$28,640	1.9	$71,000	$1,775	$21,300	$533	824	19%	$9.86	$513	1.4
$14.83	$771	$30,840	2.0	$66,000	$1,650	$19,800	$495	9,797	32%	$10.03	$521	1.5
$18.10	$941	$37,640	2.5	$74,800	$1,870	$22,440	$561	53,372	32%	$15.19	$790	1.2
$13.73	$714	$28,560	1.9	$59,300	$1,483	$17,790	$445	325	19%	$12.99	$675	1.1
$14.83	$771	$30,840	2.0	$66,000	$1,650	$19,800	$495	9,797	32%	$10.03	$521	1.5
$13.73	$714	$28,560	1.9	$65,700	$1,643	$19,710	$493	547	23%	$6.08	$316	2.3
$15.10	$785	$31,400	2.1	$54,900	$1,373	$16,470	$412	899	27%	$12.65	$658	1.2
$14.31	$744	$29,760	2.0	$64,200	$1,605	$19,260	$482	3,598	24%	$11.06	$575	1.3
$20.04	$1,042	$41,680	2.8	$78,400	$1,960	$23,520	$588	2,481	30%	$13.56	$705	1.5
$18.10	$941	$37,640	2.5	$74,800	$1,870	$22,440	$561	502	16%	$8.34	$433	2.2
$15.56	$809	$32,360	2.1	$61,500	$1,538	$18,450	$461	4,507	26%	$11.63	$605	1.3
$15.23	$792	$31,680	2.1	$70,500	$1,763	$21,150	$529	11,709	30%	$11.46	$596	1.3
$13.73	$714	$28,560	1.9	$63,900	$1,598	$19,170	$479	1,149	25%	$12.47	$649	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.

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.

Payette County Power County Shoshone County Teton County Twin Falls County Valley County Washington County

† Wage data not available (See Appendix B).

$14.73	$766	$30,640
$16.12	$838	$33,520
$14.13	$735	$29,400
$17.75	$923	$36,920
$15.40	$801	$32,040
$15.35	$798	$31,920
$13.73	$714	$28,560

0
300 $1,483 $17,790 $445
400 27% $13.35 $694 1.1 2.2
500 $1,463 $17,550 $439
31% $14.38 $748 1.1 1.9
600 $1,340 $16,080 $402
657 30% $13.65 $710 1.0 2.4
800 $1,820 $21,840 $546
26% $9.43 $491 1.9 2.1
700 $1,518 $18,210 $455
646 31% $10.75 $559 1.4 2.1
400 $1,685 $20,220 $506
21% $9.26 $482 1.7 1.9
900 $1,273 $15,270 $382 1,194 30% $11.15 $580 1.2
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $3,693 monthly or $44,310 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT ILLINOIS:

STATE FACTS
Minimum Wage		$10.00
Average Renter Wage		$18.00
2-Bedroom Housing Wage		$21.30
Number of Renter Households		1,641,003
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Chicago-Joliet-Naperville HMFA	$24.00
Kendall County	$23.85
Grundy County	$22.27
DeKalb County	$19.15
Kankakee County	$17.54

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$21.30

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$934
$936 $639 $520 $235

$500 $1000 $1500 $2000 $2500

Illinois Combined Nonmetro Areas

Metropolitan Areas Bloomington HMFA Bond County HMFA Cape Girardeau MSA Champaign-Urbana MSA Chicago-Joliet-Naperville HMFA Danville MSA Davenport-Moline-Rock Island MSA De Witt County HMFA Decatur MSA DeKalb County HMFA Grundy County HMFA Jackson County HMFA Kankakee MSA Kendall County HMFA Macoupin County HMFA Peoria MSA Rockford MSA Springfield MSA

$21.30	$1,108	$44,310	2.1	$85,252	$2,131	$25,576	$639	1,641,003	34%	$18.00	$936	1.2
$13.86	$721	$28,827	1.4	$65,911	$1,648	$19,773	$494	155,223	26%	$11.09	$576	1.3
$15.90	$827	$33,080	1.6	$98,400	$2,460	$29,520	$738	23,719	36%	$13.95	$726	1.1
$13.96	$726	$29,040	1.4	$71,900	$1,798	$21,570	$539	1,400	23%	$9.38	$488	1.5
$14.87	$773	$30,920	1.5	$67,000	$1,675	$20,100	$503	667	29%	$11.90	$619	1.2
$16.58	$862	$34,480	1.7	$83,600	$2,090	$25,080	$627	41,174	43%	$11.43	$594	1.5
$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
$14.23	$740	$29,600	1.4	$55,600	$1,390	$16,680	$417	9,617	31%	$12.21	$635	1.2
$14.96	$778	$31,120	1.5	$75,400	$1,885	$22,620	$566	24,818	29%	$14.86	$773	1.0
$13.42	$698	$27,920	1.3	$72,600	$1,815	$21,780	$545	1,375	21%	$15.04	$782	0.9
$14.46	$752	$30,080	1.4	$71,300	$1,783	$21,390	$535	13,437	30%	$13.14	$683	1.1
$19.15	$996	$39,840	1.9	$83,700	$2,093	$25,110	$628	16,225	43%	$11.65	$606	1.6
$22.27	$1,158	$46,320	2.2	$88,900	$2,223	$26,670	$667	5,599	29%	$20.78	$1,081	1.1
$14.13	$735	$29,400	1.4	$60,300	$1,508	$18,090	$452	11,404	48%	$11.00	$572	1.3
$17.54	$912	$36,480	1.8	$76,500	$1,913	$22,950	$574	12,731	32%	$12.10	$629	1.4
$23.85	$1,240	$49,600	2.4	$107,300	$2,683	$32,190	$805	6,852	17%	$12.23	$636	1.9
$13.42	$698	$27,920	1.3	$68,900	$1,723	$20,670	$517	4,451	24%	$8.33	$433	1.6
$14.85	$772	$30,880	1.5	$79,600	$1,990	$23,880	$597	42,531	28%	$15.43	$802	1.0
$15.92	$828	$33,120	1.6	$69,600	$1,740	$20,880	$522	43,044	32%	$13.68	$711	1.2
$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.

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.

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.

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.

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.

Winnebago County $15.92

$33,120 1.6
600 $1,740 $20,880 $522
260 34% $13.64 $709 1.2

Woodford County $14.85

$30,880 1.5
600 $1,990 $23,880 $597
630 18% $10.88 $566 1.4
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $2,828 monthly or $33,940 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT INDIANA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$14.44
2-Bedroom Housing Wage		$16.32
Number of Renter Households		793,086
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Indianapolis-Carmel HMFA	$18.19
Gary HMFA	$17.63
Bloomington HMFA	$16.90
Bartholomew County	$16.85
Clark County	$16.77

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom

Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.32

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$685
$751 $547
$235
$1000 $1500 $2000

IN-84

Indiana Combined Nonmetro Areas

Metropolitan Areas Anderson HMFA Bloomington HMFA Carroll County HMFA Cincinnati HMFA Columbus MSA Elkhart-Goshen MSA Evansville MSA Fort Wayne MSA Gary HMFA Indianapolis-Carmel HMFA Jasper County HMFA Kokomo MSA Lafayette-West Lafayette HMFA Louisville HMFA Michigan City-La Porte MSA Muncie MSA Owen County HMFA Putnam County HMFA

$16.32	$848	$33,940	2.3	$72,950	$1,824	$21,885	$547	793,086	31%	$14.44	$751	1.1
$14.11	$734	$29,353	1.9	$64,292	$1,607	$19,288	$482	144,100	25%	$12.69	$660	1.1
$15.50	$806	$32,240	2.1	$58,000	$1,450	$17,400	$435	15,487	30%	$11.34	$590	1.4
$16.90	$879	$35,160	2.3	$74,900	$1,873	$22,470	$562	25,106	45%	$10.86	$565	1.6
$13.73	$714	$28,560	1.9	$67,400	$1,685	$20,220	$506	1,509	19%	$13.83	$719	1.0
$16.63	$865	$34,600	2.3	$86,300	$2,158	$25,890	$647	4,485	21%	$8.15	$424	2.0
$16.85	$876	$35,040	2.3	$81,300	$2,033	$24,390	$610	9,082	29%	$21.43	$1,114	0.8
$15.71	$817	$32,680	2.2	$70,200	$1,755	$21,060	$527	22,545	31%	$15.34	$798	1.0
$15.25	$793	$31,720	2.1	$74,800	$1,870	$22,440	$561	33,733	31%	$13.16	$684	1.2
$14.75	$767	$30,680	2.0	$71,100	$1,778	$21,330	$533	50,059	30%	$13.36	$695	1.1
$17.63	$917	$36,680	2.4	$74,900	$1,873	$22,470	$562	73,206	29%	$13.37	$695	1.3
$18.19	$946	$37,840	2.5	$82,000	$2,050	$24,600	$615	248,651	35%	$17.12	$890	1.1
$16.69	$868	$34,720	2.3	$69,000	$1,725	$20,700	$518	3,053	24%	$12.37	$643	1.3
$14.04	$730	$29,200	1.9	$63,900	$1,598	$19,170	$479	10,933	32%	$14.83	$771	0.9
$16.10	$837	$33,480	2.2	$79,100	$1,978	$23,730	$593	32,491	45%	$13.45	$700	1.2
$16.77	$872	$34,880	2.3	$77,500	$1,938	$23,250	$581	23,720	27%	$11.82	$615	1.4
$15.08	$784	$31,360	2.1	$65,200	$1,630	$19,560	$489	12,080	28%	$11.62	$604	1.3
$14.37	$747	$29,880	2.0	$64,600	$1,615	$19,380	$485	16,340	36%	$10.47	$544	1.4
$13.73	$714	$28,560	1.9	$64,300	$1,608	$19,290	$482	1,846	21%	$12.01	$625	1.1
$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.

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.

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.

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.

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

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

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 30% of income on housing — a household must earn $2,679 monthly or $32,151 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT IOWA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$13.43
2-Bedroom Housing Wage		$15.46
Number of Renter Households		362,703
Percent Renters		29%

MOST EXPENSIVE AREAS	HOUSING WAGE
Iowa City HMFA	$19.44
Omaha-Council Bluffs HMFA	$18.19
Des Moines-West Des Moines MSA	$17.31
Ames MSA	$16.48
Muscatine County	$15.94

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$15.46

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$847 $632

$1981 $698 $594

$235
$1000 $1500 $2000

IA-90

Iowa Combined Nonmetro Areas

Metropolitan Areas Ames MSA Benton County HMFA Bremer County HMFA Cedar Rapids HMFA Davenport-Moline-Rock Island MSA Des Moines-West Des Moines MSA Dubuque MSA Iowa City HMFA Jones County HMFA Omaha-Council Bluffs HMFA Plymouth County HMFA Sioux City HMFA Washington County HMFA Waterloo-Cedar Falls HMFA

Counties Adair County Adams County Allamakee County Appanoose County

† Wage data not available (See Appendix B).

$15.46	$804	$32,151	2.1	$79,229	$1,981	$23,769	$594	362,703	29%	$13.43	$698	1.2
$13.74	$715	$28,586	1.9	$69,809	$1,745	$20,943	$524	135,078	26%	$12.33	$641	1.1
$16.48	$857	$34,280	2.3	$104,300	$2,608	$31,290	$782	17,581	47%	$11.89	$618	1.4
$13.21	$687	$27,480	1.8	$85,100	$2,128	$25,530	$638	1,806	18%	$8.96	$466	1.5
$13.21	$687	$27,480	1.8	$87,600	$2,190	$26,280	$657	1,727	18%	$10.36	$539	1.3
$14.94	$777	$31,080	2.1	$85,200	$2,130	$25,560	$639	22,995	26%	$13.90	$723	1.1
$14.96	$778	$31,120	2.1	$75,400	$1,885	$22,620	$566	20,466	31%	$12.51	$651	1.2
$17.31	$900	$36,000	2.4	$89,200	$2,230	$26,760	$669	75,206	31%	$16.47	$857	1.1
$15.06	$783	$31,320	2.1	$82,900	$2,073	$24,870	$622	10,594	28%	$11.84	$616	1.3
$19.44	$1,011	$40,440	2.7	$101,200	$2,530	$30,360	$759	23,447	40%	$9.96	$518	2.0
$13.21	$687	$27,480	1.8	$76,200	$1,905	$22,860	$572	1,998	24%	$11.61	$604	1.1
$18.19	$946	$37,840	2.5	$87,000	$2,175	$26,100	$653	14,485	30%	$12.75	$663	1.4
$13.21	$687	$27,480	1.8	$79,100	$1,978	$23,730	$593	2,156	21%	$14.08	$732	0.9
$15.44	$803	$32,120	2.1	$75,200	$1,880	$22,560	$564	13,393	34%	$12.07	$628	1.3
$15.48	$805	$32,200	2.1	$78,200	$1,955	$23,460	$587	2,546	29%	$10.45	$544	1.5
$14.67	$763	$30,520	2.0	$71,600	$1,790	$21,480	$537	19,225	33%	$13.92	$724	1.1
$13.21	$687	$27,480	1.8	$66,600	$1,665	$19,980	$500	732	23%	$10.49	$545	1.3
$13.21	$687	$27,480	1.8	$65,700	$1,643	$19,710	$493	372	23%	$13.93	$724	0.9
$13.21	$687	$27,480	1.8	$68,400	$1,710	$20,520	$513	1,327	22%	$10.05	$523	1.3
$13.21	$687	$27,480	1.8	$57,200	$1,430	$17,160	$429	1,445	27%	$9.21	$479	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.

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.

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.

Linn County $14.94

$31,080 2.1
200 $2,130 $25,560 $639

22,995 26% $13.90 $723 1.1 Louisa County $13.56

$28,200 1.9
800 $1,795 $21,540 $539

1,011 23% $12.99 $675 1.0 Lucas County $15.17

$31,560 2.1
100 $1,678 $20,130 $503

829 23% $13.22 $687 1.1 Lyon County $13.21

$27,480 1.8
200 $1,855 $22,260 $557

755 17% $13.66 $710 1.0 Madison County $17.31

$36,000 2.4
200 $2,230 $26,760 $669

1,356 21% $11.17 $581 1.5 Mahaska County $13.50

$28,080 1.9
100 $1,628 $19,530 $488

2,545 29% $11.64 $605 1.2 Marion County $14.12

$29,360 1.9
400 $1,910 $22,920 $573

3,924 29% $15.94 $829 0.9 Marshall County $14.83

$30,840 2.0
200 $1,680 $20,160 $504

4,416 29% $15.58 $810 1.0 Mills County $18.19

$37,840 2.5
000 $2,175 $26,100 $653

1,230 22% $9.58 $498 1.9 Mitchell County $13.21

$27,480 1.8
700 $1,768 $21,210 $530

762 17% $13.77 $716 1.0 Monona County $13.21

$27,480 1.8
900 $1,598 $19,170 $479

1,173 29% $9.40 $489 1.4 Monroe County $13.85

$28,800 1.9
900 $1,673 $20,070 $502

731 22% $16.05 $835 0.9 Montgomery County $13.21

$27,480 1.8
300 $1,483 $17,790 $445

1,439 31% $11.40 $593 1.2 Muscatine County $15.94

$33,160 2.2
100 $1,828 $21,930 $548

4,483 27% $17.51 $910 0.9 O'Brien County $13.21

$27,480 1.8
300 $1,908 $22,890 $572

1,694 28% $10.59 $551 1.2 Osceola County $13.21

$27,480 1.8
700 $1,718 $20,610 $515

631 24% $14.48 $753 0.9 Page County $13.21

$27,480 1.8
900 $1,623 $19,470 $487

1,741 28% $11.64 $605 1.1 Palo Alto County $13.21

$27,480 1.8
200 $1,780 $21,360 $534

980 26% $13.36 $695 1.0 Plymouth County $13.21

$27,480 1.8
100 $1,978 $23,730 $593

2,156 21% $14.08 $732 0.9 Pocahontas County $13.21

$27,480 1.8
000 $1,675 $20,100 $503

726 23% $16.41 $853 0.8 Polk County $17.31

$36,000 2.4
200 $2,230 $26,760 $669

60,322 33% $16.95 $882 1.0 Pottawattamie County $18.19

$37,840 2.5
000 $2,175 $26,100 $653

11,726 32% $13.09 $681 1.4 Poweshiek County $14.06

$29,240 1.9
000 $1,825 $21,900 $548
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

$27,480 1.8
000 $1,775 $21,300 $533

913 21% $12.36 $643 1.1 Scott County $14.96

$31,120 2.1
400 $1,885 $22,620 $566 20,466 31% $12.51 $651 1.2

† Wage data not available (See Appendix B).

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

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).

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

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 than 30% of income on housing — a household must earn $2,849 monthly or $34,185 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT KANSAS:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$14.21
2-Bedroom Housing Wage		$16.43
Number of Renter Households		378,704
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Kansas City HMFA	$18.81
Manhattan MSA	$18.63
Geary County	$18.46
Lawrence MSA	$17.88
Wichita HMFA	$15.81

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom

Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job

paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.43

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$855 $675

$1866 $739 $560

$235
$1000 $1500 $2000

KS-96

Kansas Combined Nonmetro Areas

Metropolitan Areas Kansas City HMFA Kingman County HMFA Lawrence MSA Manhattan MSA St. Joseph MSA Sumner County HMFA Topeka MSA Wichita HMFA

Counties Allen County Anderson County

Atchison County Barber County Barton County Bourbon County Brown County Butler County Chase County Chautauqua County Cherokee County

$16.43	$855	$34,185	2.3	$74,642	$1,866	$22,393	$560	378,704	34%	$14.21	$739	1.2
$14.45	$751	$30,058	2.0	$63,850	$1,596	$19,155	$479	115,491	31%	$12.48	$649	1.2
$18.81	$978	$39,120	2.6	$86,000	$2,150	$25,800	$645	108,085	33%	$16.35	$850	1.2
$13.73	$714	$28,560	1.9	$74,300	$1,858	$22,290	$557	657	21%	$12.54	$652	1.1
$17.88	$930	$37,200	2.5	$88,800	$2,220	$26,640	$666	22,293	48%	$9.89	$514	1.8
$18.63	$969	$38,760	2.6	$69,700	$1,743	$20,910	$523	17,352	49%	$12.09	$629	1.5
$15.33	$797	$31,880	2.1	$63,600	$1,590	$19,080	$477	817	27%	$11.90	$619	1.3
$14.21	$739	$29,560	2.0	$71,900	$1,798	$21,570	$539	2,472	27%	$10.41	$541	1.4
$15.15	$788	$31,520	2.1	$77,700	$1,943	$23,310	$583	30,115	32%	$13.26	$690	1.1
$15.81	$822	$32,880	2.2	$72,600	$1,815	$21,780	$545	81,422	35%	$14.05	$731	1.1
$13.73	$714	$28,560	1.9	$61,600	$1,540	$18,480	$462	1,528	29%	$10.44	$543	1.3
$13.73	$714	$28,560	1.9	$61,100	$1,528	$18,330	$458	792	26%	$15.71	$817	0.9
$13.73	$714	$28,560	1.9	$61,900	$1,548	$18,570	$464	1,890	32%	$12.55	$653	1.1
$13.73	$714	$28,560	1.9	$73,900	$1,848	$22,170	$554	572	29%	$10.65	$554	1.3
$13.73	$714	$28,560	1.9	$66,100	$1,653	$19,830	$496	3,293	30%	$11.99	$623	1.1
$13.73	$714	$28,560	1.9	$54,300	$1,358	$16,290	$407	1,725	30%	$10.78	$560	1.3
$13.73	$714	$28,560	1.9	$57,900	$1,448	$17,370	$434	1,055	27%	$14.71	$765	0.9
$15.81	$822	$32,880	2.2	$72,600	$1,815	$21,780	$545	6,439	26%	$11.56	$601	1.4
$13.73	$714	$28,560	1.9	$65,200	$1,630	$19,560	$489	214	21%	$10.65	$554	1.3
$14.02	$729	$29,160	1.9	$56,900	$1,423	$17,070	$427	311	21%	$9.36	$487	1.5
$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.

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.

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.

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.

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

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

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 than 30% of income on housing — a household must earn $2,599 monthly or $31,183 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT KENTUCKY:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$13.79
2-Bedroom Housing Wage		$14.99
Number of Renter Households		571,050
Percent Renters		33%

MOST EXPENSIVE AREAS	HOUSING WAGE
Louisville HMFA	$16.77
Clarksville MSA	$16.71
Cincinnati HMFA	$16.63
Lexington-Fayette MSA	$16.50
Shelby County	$16.10

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$14.99

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.6

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$620
$717 $499 $377 $235
$1000 $1500 $2000

KY-102

Kentucky Combined Nonmetro Areas

Metropolitan Areas Allen County HMFA Bowling Green HMFA Butler County HMFA Cincinnati HMFA Clarksville MSA Elizabethtown HMFA Evansville MSA Grant County HMFA Huntington-Ashland HMFA Lexington-Fayette MSA Louisville HMFA Meade County HMFA Owensboro MSA Shelby County HMFA

Counties Adair County Allen County Anderson County Ballard County

$14.99	$780	$31,183	2.1	$66,539	$1,663	$19,962	$499	571,050	33%	$13.79	$717	1.1
$12.74	$662	$26,494	1.8	$53,160	$1,329	$15,948	$399	211,089	29%	$11.40	$593	1.1
$12.58	$654	$26,160	1.7	$54,500	$1,363	$16,350	$409	2,140	28%	$13.12	$682	1.0
$15.52	$807	$32,280	2.1	$64,400	$1,610	$19,320	$483	20,657	40%	$12.75	$663	1.2
$12.13	$631	$25,240	1.7	$54,600	$1,365	$16,380	$410	1,340	27%	$10.82	$562	1.1
$16.63	$865	$34,600	2.3	$86,300	$2,158	$25,890	$647	48,137	30%	$14.38	$748	1.2
$16.71	$869	$34,760	2.3	$68,900	$1,723	$20,670	$517	14,683	46%	$15.65	$814	1.1
$15.02	$781	$31,240	2.1	$68,600	$1,715	$20,580	$515	17,110	37%	$13.21	$687	1.1
$15.25	$793	$31,720	2.1	$74,800	$1,870	$22,440	$561	7,223	39%	$13.46	$700	1.1
$14.92	$776	$31,040	2.1	$52,900	$1,323	$15,870	$397	2,822	32%	$13.55	$705	1.1
$15.54	$808	$32,320	2.1	$59,100	$1,478	$17,730	$443	8,975	27%	$12.25	$637	1.3
$16.50	$858	$34,320	2.3	$79,400	$1,985	$23,820	$596	82,633	41%	$13.96	$726	1.2
$16.77	$872	$34,880	2.3	$77,500	$1,938	$23,250	$581	131,529	35%	$16.31	$848	1.0
$13.87	$721	$28,840	1.9	$66,300	$1,658	$19,890	$497	2,952	28%	$14.04	$730	1.0
$15.13	$787	$31,480	2.1	$63,400	$1,585	$19,020	$476	14,743	31%	$13.34	$694	1.1
$16.10	$837	$33,480	2.2	$78,900	$1,973	$23,670	$592	5,017	30%	$9.88	$514	1.6
$12.13	$631	$25,240	1.7	$47,700	$1,193	$14,310	$358	1,667	24%	$8.38	$436	1.4
$12.58	$654	$26,160	1.7	$54,500	$1,363	$16,350	$409	2,140	28%	$13.12	$682	1.0
$14.00	$728	$29,120	1.9	$69,700	$1,743	$20,910	$523	1,923	22%	$11.05	$575	1.3
$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.

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.

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.

Jessamine County $16.50

$34,320 2.3
400 $1,985 $23,820 $596
955 37% $12.23 $636 1.3 Johnson County $12.13
$25,240 1.7
800 $1,245 $14,940 $374
418 28% $8.88 $462 1.4 Kenton County $16.63
$34,600 2.3
300 $2,158 $25,890 $647
748 34% $16.27 $846 1.0 Knott County $12.13
$25,240 1.7
900 $1,023 $12,270 $307
556 25% $9.07 $472 1.3 Knox County $12.13
$25,240 1.7
800 $870 $10,440 $261
434 36% $10.33 $537 1.2 Larue County $15.02
$31,240 2.1
600 $1,715 $20,580 $515
497 26% $9.40 $489 1.6 Laurel County $12.37
$25,720 1.7
700 $1,218 $14,610 $365
881 30% $10.47 $545 1.2 Lawrence County $12.13
$25,240 1.7
200 $1,105 $13,260 $332
476 25% $6.40 $333 1.9 Lee County $12.13
$25,240 1.7
200 $930 $11,160 $279
30% $8.03 $418 1.5 Leslie County $12.13
$25,240 1.7
600 $990 $11,880 $297
20% $8.70 $453 1.4 Letcher County $12.13
$25,240 1.7
900 $998 $11,970 $299
420 24% $9.88 $514 1.2 Lewis County $12.13
$25,240 1.7
200 $1,205 $14,460 $362
353 25% $8.30 $432 1.5 Lincoln County $12.13
$25,240 1.7
200 $1,230 $14,760 $369
228 23% $11.05 $575 1.1 Livingston County $12.63
$26,280 1.7
500 $1,463 $17,550 $439
23% $11.04 $574 1.1 Logan County $12.13
$25,240 1.7
600 $1,440 $17,280 $432
399 32% $14.09 $732 0.9 Lyon County $12.13
$25,240 1.7
900 $1,623 $19,470 $487
19% $5.70 $296 2.1 McCracken County $14.27
$29,680 2.0
000 $2,000 $24,000 $600
487 34% $12.26 $637 1.2 McCreary County $12.13
$25,240 1.7
000 $675 $8,100 $203
837 30% $8.20 $426 1.5 McLean County $15.13
$31,480 2.1
400 $1,585 $19,020 $476
21% $10.28 $535 1.5 Madison County $13.56
$28,200 1.9
600 $1,765 $21,180 $530
833 42% $11.58 $602 1.2 Magoffin County $12.13
$25,240 1.7
600 $1,015 $12,180 $305
464 29% $7.22 $375 1.7 Marion County $12.27
$25,520 1.7
800 $1,420 $17,040 $426
031 27% $14.05 $731 0.9 Marshall County $13.52
$28,120 1.9
100 $1,678 $20,130 $503
851 21% $14.41 $749 0.9 Martin County $12.13
$25,240 1.7
100 $1,078 $12,930 $323
141 28% $11.61 $604 1.0 Mason County $12.25
$25,480 1.7
200 $1,530 $18,360 $459
340 35% $12.66 $658 1.0 Meade County $13.87
$28,840 1.9
300 $1,658 $19,890 $497 2,952 28% $14.04 $730 1.0
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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.

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

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

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 than 30% of income on housing — a household must earn $3,030 monthly or $36,356 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT LOUISIANA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$14.64
2-Bedroom Housing Wage		$17.48
Number of Renter Households		602,937
Percent Renters		35%

MOST EXPENSIVE AREAS	HOUSING WAGE
New Orleans-Metairie HMFA	$20.73
Lafayette HMFA	$17.54
Baton Rouge HMFA	$17.19
St. Mary Parish	$16.98
Houma-Thibodaux MSA	$16.79

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$17.48

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$756
$761 $486 $377 $235
$1000 $1500 $2000

LA-109

Louisiana Combined Nonmetro Areas

Metropolitan Areas Acadia Parish HMFA Alexandria MSA Baton Rouge HMFA Hammond MSA Houma-Thibodaux MSA Iberia Parish HMFA Iberville Parish HMFA Lafayette HMFA Lake Charles MSA Monroe MSA New Orleans-Metairie HMFA Shreveport-Bossier City HMFA St. James Parish HMFA Vermilion Parish HMFA Webster Parish HMFA

Counties Acadia Parish Allen Parish

$17.48	$909	$36,356	2.4	$64,793	$1,620	$19,438	$486	602,937	35%	$14.64	$761	1.2
$14.95	$777	$31,088	2.1	$51,095	$1,277	$15,329	$383	94,867	34%	$11.52	$599	1.3
$13.65	$710	$28,400	1.9	$55,300	$1,383	$16,590	$415	6,598	29%	$9.49	$494	1.4
$15.27	$794	$31,760	2.1	$58,400	$1,460	$17,520	$438	21,063	38%	$11.94	$621	1.3
$17.19	$894	$35,760	2.4	$78,500	$1,963	$23,550	$589	93,792	32%	$15.64	$813	1.1
$16.75	$871	$34,840	2.3	$54,100	$1,353	$16,230	$406	15,080	32%	$8.77	$456	1.9
$16.79	$873	$34,920	2.3	$67,200	$1,680	$20,160	$504	20,550	27%	$16.42	$854	1.0
$15.44	$803	$32,120	2.1	$54,800	$1,370	$16,440	$411	8,727	33%	$15.93	$828	1.0
$13.65	$710	$28,400	1.9	$59,300	$1,483	$17,790	$445	2,828	26%	$22.74	$1,183	0.6
$17.54	$912	$36,480	2.4	$65,200	$1,630	$19,560	$489	35,872	33%	$13.49	$702	1.3
$16.10	$837	$33,480	2.2	$70,800	$1,770	$21,240	$531	25,785	32%	$16.77	$872	1.0
$14.88	$774	$30,960	2.1	$56,700	$1,418	$17,010	$425	24,622	38%	$11.69	$608	1.3
$20.73	$1,078	$43,120	2.9	$70,400	$1,760	$21,120	$528	180,838	38%	$16.09	$837	1.3
$16.56	$861	$34,440	2.3	$56,700	$1,418	$17,010	$425	60,366	39%	$12.91	$672	1.3
$15.56	$809	$32,360	2.1	$67,300	$1,683	$20,190	$505	1,792	23%	$19.03	$989	0.8
$13.65	$710	$28,400	1.9	$62,800	$1,570	$18,840	$471	4,866	22%	$11.04	$574	1.2
$13.65	$710	$28,400	1.9	$44,000	$1,100	$13,200	$330	5,291	33%	$12.42	$646	1.1
$13.65	$710	$28,400	1.9	$55,300	$1,383	$16,590	$415	6,598	29%	$9.49	$494	1.4
$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.

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.

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.

Terrebonne Parish $16.79

$34,920 2.3
200 $1,680 $20,160 $504
622 29% $17.61 $916 1.0 Union Parish $14.88
$30,960 2.1
700 $1,418 $17,010 $425
358 18% $6.56 $341 2.3 Vermilion Parish $13.65
$28,400 1.9
800 $1,570 $18,840 $471
866 22% $11.04 $574 1.2 Vernon Parish $20.73
078 $43,120 2.9
800 $1,420 $17,040 $426
420 47% $15.33 $797 1.4 Washington Parish $13.65
$28,400 1.9
500 $1,163 $13,950 $349
346 31% $9.77 $508 1.4 Webster Parish $13.65
$28,400 1.9
000 $1,100 $13,200 $330
291 33% $12.42 $646 1.1 West Baton Rouge Parish $17.19
$35,760 2.4
500 $1,963 $23,550 $589
691 28% $16.12 $838 1.1 West Carroll Parish $13.65
$28,400 1.9
600 $1,315 $15,780 $395
017 25% $12.48 $649 1.1 West Feliciana Parish $17.19
$35,760 2.4
500 $1,963 $23,550 $589
114 29% $17.02 $885 1.0 Winn Parish $13.65
$28,400 1.9
500 $1,088 $13,050 $326 1,738 32% $9.97 $518 1.4
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $3,430 monthly or $41,156 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MAINE:

STATE FACTS
Minimum Wage		$12.00
Average Renter Wage		$12.34
2-Bedroom Housing Wage		$19.79
Number of Renter Households		154,809
Percent Renters		28%

MOST EXPENSIVE AREAS	HOUSING WAGE
Portland HMFA	$29.15
York-Kittery-South Berwick HMFA	$25.52
Cumberland County (part) HMFA	$20.21
York County (part) HMFA	$20.21
Sagadahoc County HMFA	$18.48

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.6

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$238

$0 $500 $1000 $1500 $2000

ME-114

$19.79

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1029 $813

$1920 $642 $576 $624

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

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

Maine Combined Nonmetro Areas

Metropolitan Areas Bangor HMFA Cumberland County (part) HMFA Lewiston-Auburn MSA Penobscot County (part) HMFA Portland HMFA Sagadahoc County HMFA York County (part) HMFA York-Kittery-South Berwick HMFA

Counties Aroostook County Franklin County

Hancock County Kennebec County Knox County Lincoln County Oxford County Piscataquis County Somerset County Waldo County Washington County

$19.79	$1,029	$41,156	1.6	$76,811	$1,920	$23,043	$576	154,809	28%	$12.34	$642	1.6
$15.32	$796	$31,859	1.3	$65,369	$1,634	$19,611	$490	56,893	25%	$10.24	$532	1.5
$18.13	$943	$37,720	1.5	$72,900	$1,823	$21,870	$547	13,915	37%	$11.06	$575	1.6
$20.21	$1,051	$42,040	1.7	$78,100	$1,953	$23,430	$586	4,833	24%	$15.01	$781	1.3
$16.23	$844	$33,760	1.4	$75,900	$1,898	$22,770	$569	16,219	36%	$12.26	$637	1.3
$15.60	$811	$32,440	1.3	$57,400	$1,435	$17,220	$431	4,742	20%	$11.06	$575	1.4
$29.15	$1,516	$60,640	2.4	$100,900	$2,523	$30,270	$757	35,124	32%	$14.83	$771	2.0
$18.48	$961	$38,440	1.5	$78,500	$1,963	$23,550	$589	3,846	24%	$14.70	$764	1.3
$20.21	$1,051	$42,040	1.7	$79,000	$1,975	$23,700	$593	15,351	28%	$11.51	$598	1.8
$25.52	$1,327	$53,080	2.1	$100,700	$2,518	$30,210	$755	3,886	21%	$11.51	$598	2.2
$13.73	$714	$28,560	1.1	$55,000	$1,375	$16,500	$413	8,382	28%	$9.22	$480	1.5
$13.73	$714	$28,560	1.1	$60,700	$1,518	$18,210	$455	2,461	21%	$8.32	$432	1.7
$17.19	$894	$35,760	1.4	$70,300	$1,758	$21,090	$527	5,806	25%	$10.81	$562	1.6
$15.37	$799	$31,960	1.3	$77,700	$1,943	$23,310	$583	15,099	29%	$10.34	$538	1.5
$16.19	$842	$33,680	1.3	$68,200	$1,705	$20,460	$512	3,967	23%	$12.13	$631	1.3
$16.81	$874	$34,960	1.4	$73,600	$1,840	$22,080	$552	3,372	22%	$9.65	$502	1.7
$15.38	$800	$32,000	1.3	$58,400	$1,460	$17,520	$438	4,057	19%	$8.90	$463	1.7
$13.73	$714	$28,560	1.1	$52,800	$1,320	$15,840	$396	1,796	24%	$8.37	$435	1.6
$15.02	$781	$31,240	1.3	$57,500	$1,438	$17,250	$431	5,215	24%	$10.39	$540	1.4
$15.92	$828	$33,120	1.3	$65,500	$1,638	$19,650	$491	3,484	20%	$13.02	$677	1.2
$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.

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 than 30% of income on housing — a household must earn $4,864 monthly or $58,366 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MARYLAND:

STATE FACTS
Minimum Wage		$11.00
Average Renter Wage		$18.16
2-Bedroom Housing Wage		$28.06
Number of Renter Households		728,577
Percent Renters		33%

MOST EXPENSIVE AREAS	HOUSING WAGE
Washington-Arlington-Alexandria HMFA	$32.83
Baltimore-Columbia-Towson MSA	$26.46
California-Lexington Park MSA	$25.54
Cecil County	$23.58
Talbot County	$22.37

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

102

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.6

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$28.06

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1459 $1223

$2734 $944 $820 $572 $235

$1000 $2000 $3000

MD-118

Maryland Combined Nonmetro Areas

Metropolitan Areas Baltimore-Columbia-Towson MSA California-Lexington Park MSA Cumberland MSA Hagerstown HMFA Philadelphia-Camden-Wilmington MSA Salisbury HMFA Somerset County HMFA Washington-Arlington-Alexandria HMFA Worcester County HMFA

Counties

Allegany County Anne Arundel County Baltimore County Calvert County

Caroline County Carroll County Cecil County Charles County Dorchester County

Columbia City is not included due to a lack of sufficient data.

$28.06	$1,459	$58,366	2.6	$109,357	$2,734	$32,807	$820	728,577	33%	$18.16	$944	1.5
$18.91	$983	$39,324	1.7	$72,891	$1,822	$21,867	$547	17,778	29%	$11.72	$609	1.6
$26.46	$1,376	$55,040	2.4	$104,000	$2,600	$31,200	$780	350,557	34%	$18.86	$981	1.4
$25.54	$1,328	$53,120	2.3	$103,600	$2,590	$31,080	$777	11,767	29%	$18.33	$953	1.4
$13.73	$714	$28,560	1.2	$61,900	$1,548	$18,570	$464	8,735	31%	$10.47	$545	1.3
$16.75	$871	$34,840	1.5	$79,800	$1,995	$23,940	$599	19,314	35%	$12.81	$666	1.3
$23.58	$1,226	$49,040	2.1	$96,600	$2,415	$28,980	$725	10,056	27%	$13.31	$692	1.8
$19.27	$1,002	$40,080	1.8	$67,500	$1,688	$20,250	$506	15,366	41%	$13.43	$699	1.4
$14.23	$740	$29,600	1.3	$54,800	$1,370	$16,440	$411	2,937	35%	$10.28	$535	1.4
$32.83	$1,707	$68,280	3.0	$126,000	$3,150	$37,800	$945	286,775	33%	$18.88	$982	1.7
$18.69	$972	$38,880	1.7	$76,000	$1,900	$22,800	$570	5,292	24%	$10.07	$524	1.9
$13.73	$714	$28,560	1.2	$61,900	$1,548	$18,570	$464	8,735	31%	$10.47	$545	1.3
$26.46	$1,376	$55,040	2.4	$104,000	$2,600	$31,200	$780	53,259	26%	$19.44	$1,011	1.4
$26.46	$1,376	$55,040	2.4	$104,000	$2,600	$31,200	$780	107,272	34%	$18.04	$938	1.5
$32.83	$1,707	$68,280	3.0	$126,000	$3,150	$37,800	$945	5,359	17%	$14.01	$729	2.3
$18.54	$964	$38,560	1.7	$67,500	$1,688	$20,250	$506	3,333	28%	$13.49	$701	1.4
$26.46	$1,376	$55,040	2.4	$104,000	$2,600	$31,200	$780	10,782	18%	$10.26	$533	2.6
$23.58	$1,226	$49,040	2.1	$96,600	$2,415	$28,980	$725	10,056	27%	$13.31	$692	1.8
$32.83	$1,707	$68,280	3.0	$126,000	$3,150	$37,800	$945	13,139	24%	$12.12	$630	2.7
$17.63	$917	$36,680	1.6	$68,400	$1,710	$20,520	$513	4,320	33%	$10.79	$561	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.

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.

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

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 more than 30% of income on housing — a household must earn $6,158 monthly or $73,890 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MASSACHUSETTS:

STATE FACTS
Minimum Wage		$12.75
Average Renter Wage		$21.74
2-Bedroom Housing Wage		$35.52
Number of Renter Households		968,213
Percent Renters		38%

MOST EXPENSIVE AREAS	HOUSING WAGE
Boston-Cambridge-Quincy HMFA	$44.44
Dukes County	$33.23
Nantucket County	$33.06
Lowell HMFA	$29.50
Brockton HMFA	$29.38

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

111

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$35.52

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1847 $1498

$2647 $1131 $794 $663

$2000 $3000

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

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

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 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

Massachusetts Combined Nonmetro Areas

Metropolitan Areas Barnstable Town MSA Berkshire County (part) HMFA Boston-Cambridge-Quincy HMFA Brockton HMFA Eastern Worcester County HMFA Easton-Raynham HMFA Fitchburg-Leominster HMFA Lawrence HMFA Lowell HMFA New Bedford HMFA Pittsfield HMFA Providence-Fall River HMFA Springfield MSA Taunton-Mansfield-Norton HMFA Western Worcester County HMFA Worcester HMFA

Counties Dukes County

† Wage data not available (See Appendix B).

$35.52	$1,847	$73,890	2.8	$105,892	$2,647	$31,768	$794	968,213	38%	$21.74	$1,131	1.6
$23.69	$1,232	$49,269	1.9	$87,287	$2,182	$26,186	$655	11,883	29%	$12.26	$638	1.9
$29.10	$1,513	$60,520	2.3	$96,600	$2,415	$28,980	$725	19,301	20%	$13.11	$682	2.2
$21.31	$1,108	$44,320	1.7	$80,900	$2,023	$24,270	$607	4,845	25%	$12.41	$645	1.7
$44.44	$2,311	$92,440	3.5	$119,000	$2,975	$35,700	$893	539,092	41%	$26.21	$1,363	1.7
$29.38	$1,528	$61,120	2.3	$95,200	$2,380	$28,560	$714	26,529	30%	$11.69	$608	2.5
$23.73	$1,234	$49,360	1.9	$111,600	$2,790	$33,480	$837	6,969	21%	$14.12	$734	1.7
$29.33	$1,525	$61,000	2.3	$121,300	$3,033	$36,390	$910	2,626	20%	$13.00	$676	2.3
$20.71	$1,077	$43,080	1.6	$83,200	$2,080	$24,960	$624	21,079	38%	$14.12	$734	1.5
$27.65	$1,438	$57,520	2.2	$98,000	$2,450	$29,400	$735	40,316	39%	$14.94	$777	1.9
$29.50	$1,534	$61,360	2.3	$108,000	$2,700	$32,400	$810	34,882	31%	$26.87	$1,397	1.1
$18.50	$962	$38,480	1.5	$74,300	$1,858	$22,290	$557	28,314	44%	$13.00	$676	1.4
$19.73	$1,026	$41,040	1.5	$90,900	$2,273	$27,270	$682	12,328	34%	$12.41	$645	1.6
$20.67	$1,075	$43,000	1.6	$87,000	$2,175	$26,100	$653	38,469	40%	$13.00	$676	1.6
$21.44	$1,115	$44,600	1.7	$77,200	$1,930	$23,160	$579	90,183	38%	$12.14	$631	1.8
$23.17	$1,205	$48,200	1.8	$111,900	$2,798	$33,570	$839	11,832	28%	$13.00	$676	1.8
$18.52	$963	$38,520	1.5	$88,400	$2,210	$26,520	$663	2,571	22%	$14.12	$734	1.3
$26.88	$1,398	$55,920	2.1	$98,200	$2,455	$29,460	$737	76,994	37%	$14.12	$734	1.9
$33.23	$1,728	$69,120	2.6	$104,800	$2,620	$31,440	$786	1,437	23%	$15.80	$822	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.

Franklin County $21.06

095 $43,800 1.7
000 $2,000 $24,000 $600
300 31% $11.05 $574 1.9

$33.06

719 $68,760 2.6
700 $2,918 $35,010 $875
146 31%

† Wage data not available (See Appendix B).

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

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 than 30% of income on housing — a household must earn $3,019 monthly or $36,227 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MICHIGAN:

STATE FACTS
Minimum Wage		$9.65
Average Renter Wage		$15.38
2-Bedroom Housing Wage		$17.42
Number of Renter Households		1,132,395
Percent Renters		29%

MOST EXPENSIVE AREAS	HOUSING WAGE
Ann Arbor MSA	$21.62
Livingston County	$19.37
Detroit-Warren-Livonia HMFA	$18.79
Grand Rapids-Wyoming HMFA	$18.50
Grand Traverse County	$17.52

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job

paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$239

$0 $500 $1000 $1500 $2000

MI-128

$17.42

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$906 $717

$1868 $800 $560 $502

Michigan Combined Nonmetro Areas

Metropolitan Areas Ann Arbor MSA Barry County HMFA Battle Creek MSA Bay City MSA Cass County HMFA Detroit-Warren-Livonia HMFA Flint MSA Grand Rapids-Wyoming HMFA Holland-Grand Haven HMFA Jackson MSA Kalamazoo-Portage MSA Lansing-East Lansing MSA Livingston County HMFA Midland MSA Monroe MSA Montcalm County HMFA Muskegon MSA Niles-Benton Harbor MSA

$17.42	$906	$36,227	1.8	$74,703	$1,868	$22,411	$560	1,132,395	29%	$15.38	$800	1.1
$14.19	$738	$29,517	1.5	$62,152	$1,554	$18,646	$466	158,928	22%	$11.27	$586	1.3
$21.62	$1,124	$44,960	2.2	$101,500	$2,538	$30,450	$761	55,088	39%	$16.58	$862	1.3
$16.38	$852	$34,080	1.7	$72,000	$1,800	$21,600	$540	4,216	18%	$12.85	$668	1.3
$15.27	$794	$31,760	1.6	$61,100	$1,528	$18,330	$458	16,379	31%	$14.99	$780	1.0
$14.12	$734	$29,360	1.5	$59,500	$1,488	$17,850	$446	9,788	22%	$11.58	$602	1.2
$15.50	$806	$32,240	1.6	$65,900	$1,648	$19,770	$494	4,071	20%	$11.63	$605	1.3
$18.79	$977	$39,080	1.9	$78,500	$1,963	$23,550	$589	516,806	32%	$17.89	$930	1.1
$15.08	$784	$31,360	1.6	$62,400	$1,560	$18,720	$468	51,196	30%	$12.81	$666	1.2
$18.50	$962	$38,480	1.9	$80,200	$2,005	$24,060	$602	74,035	31%	$13.91	$723	1.3
$16.10	$837	$33,480	1.7	$83,600	$2,090	$25,080	$627	21,909	22%	$13.12	$682	1.2
$15.31	$796	$31,840	1.6	$66,400	$1,660	$19,920	$498	16,417	27%	$13.23	$688	1.2
$16.13	$839	$33,560	1.7	$79,000	$1,975	$23,700	$593	43,783	33%	$14.99	$779	1.1
$17.17	$893	$35,720	1.8	$80,700	$2,018	$24,210	$605	65,595	35%	$14.11	$733	1.2
$19.37	$1,007	$40,280	2.0	$101,700	$2,543	$30,510	$763	10,518	15%	$12.04	$626	1.6
$15.48	$805	$32,200	1.6	$82,200	$2,055	$24,660	$617	8,295	24%	$17.70	$920	0.9
$16.35	$850	$34,000	1.7	$80,600	$2,015	$24,180	$605	11,806	20%	$12.67	$659	1.3
$14.38	$748	$29,920	1.5	$55,700	$1,393	$16,710	$418	5,182	22%	$10.53	$548	1.4
$15.02	$781	$31,240	1.6	$62,900	$1,573	$18,870	$472	16,703	25%	$11.11	$578	1.4
$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.

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.

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.

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.

Sanilac County Schoolcraft County Shiawassee County Tuscola County Van Buren County Washtenaw County Wayne County Wexford County $13.71 $13.71 $13.71 $13.71 $16.13 $21.62 $18.79 $14.08

$713 $713 $713 $839 $1,124 $977 $732
520 $28,520 $28,520 $28,520 $33,560 $44,960 $39,080 $29,280
4
600 $1,415 $16,980 $425
471 20% $10.69 $556 1.3 1.4
300 $1,333 $15,990 $400
18% $9.45 $492 1.5 1.4
100 $1,778 $21,330 $533
842 25% $11.02 $573 1.2 1.4
400 $1,460 $17,520 $438
891 18% $11.21 $583 1.2 1.7
000 $1,975 $23,700 $593
598 23% $12.91 $672 1.2 2.2
500 $2,538 $30,450 $761
088 39% $16.58 $862 1.3 1.9
500 $1,963 $23,550 $589
020 38% $18.02 $937 1.0 1.5
900 $1,323 $15,870 $397 3,085 24% $11.10 $577 1.3
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 more than 30% of income on housing — a household must earn $3,559 monthly or $42,705 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MINNESOTA:

STATE FACTS
Minimum Wage		$10.00
Average Renter Wage		$16.06
2-Bedroom Housing Wage		$20.53
Number of Renter Households		616,511
Percent Renters		28%

MOST EXPENSIVE AREAS	HOUSING WAGE
Minneapolis-St. Paul-Bloomington HMFA	$23.35
Rochester HMFA	$19.54
Rice County	$17.75
Mankato-North Mankato MSA	$17.69
Mille Lacs County	$17.33

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$20.53

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.6

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1068 $847

$2320 $835 $696

$259
$1000 $1500 $2000 $2500

MN-134

Minnesota Combined Nonmetro Areas

Metropolitan Areas Duluth MSA Fargo MSA Fillmore County HMFA Grand Forks MSA La Crosse-Onalaska MSA Le Sueur County HMFA Mankato-North Mankato MSA Mille Lacs County HMFA Minneapolis-St. Paul-Bloomington HMFA Rochester HMFA Sibley County HMFA St. Cloud MSA Wabasha County HMFA

Counties Aitkin County Anoka County

Becker County Beltrami County Benton County

$20.53	$1,068	$42,705	2.1	$92,812	$2,320	$27,844	$696	616,511	28%	$16.06	$835	1.3
$14.74	$766	$30,650	1.5	$71,821	$1,796	$21,546	$539	120,152	24%	$10.98	$571	1.3
$15.69	$816	$32,640	1.6	$76,800	$1,920	$23,040	$576	27,557	28%	$11.80	$613	1.3
$16.04	$834	$33,360	1.6	$89,400	$2,235	$26,820	$671	7,500	32%	$8.15	$424	2.0
$13.73	$714	$28,560	1.4	$75,900	$1,898	$22,770	$569	1,684	20%	$7.87	$409	1.7
$16.00	$832	$33,280	1.6	$89,200	$2,230	$26,760	$669	3,334	27%	$8.20	$427	2.0
$15.94	$829	$33,160	1.6	$76,800	$1,920	$23,040	$576	1,637	20%	$10.00	$520	1.6
$16.56	$861	$34,440	1.7	$84,700	$2,118	$25,410	$635	2,060	19%	$12.26	$637	1.4
$17.69	$920	$36,800	1.8	$86,200	$2,155	$25,860	$647	13,200	34%	$12.31	$640	1.4
$17.33	$901	$36,040	1.7	$65,200	$1,630	$19,560	$489	2,532	25%	$9.00	$468	1.9
$23.35	$1,214	$48,560	2.3	$103,400	$2,585	$31,020	$776	392,583	30%	$18.13	$943	1.3
$19.54	$1,016	$40,640	2.0	$103,000	$2,575	$30,900	$773	17,673	26%	$16.12	$838	1.2
$15.10	$785	$31,400	1.5	$74,800	$1,870	$22,440	$561	1,267	21%	$12.28	$638	1.2
$15.46	$804	$32,160	1.5	$81,200	$2,030	$24,360	$609	23,647	31%	$12.75	$663	1.2
$14.85	$772	$30,880	1.5	$77,600	$1,940	$23,280	$582	1,685	19%	$10.18	$529	1.5
$14.77	$768	$30,720	1.5	$59,200	$1,480	$17,760	$444	1,367	18%	$9.87	$513	1.5
$23.35	$1,214	$48,560	2.3	$103,400	$2,585	$31,020	$776	25,108	20%	$14.71	$765	1.6
$14.54	$756	$30,240	1.5	$71,900	$1,798	$21,570	$539	2,853	21%	$8.97	$466	1.6
$15.27	$794	$31,760	1.5	$60,900	$1,523	$18,270	$457	5,669	33%	$10.95	$569	1.4
$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.

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.

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.

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.

Wilkin County $13.73

$28,560 1.4
000 $1,775 $21,300 $533
21% $10.50 $546 1.3

Winona County $14.90

$31,000 1.5
500 $1,938 $23,250 $581
886 30% $10.22 $531 1.5

Wright County $23.35

214 $48,560 2.3
400 $2,585 $31,020 $776
662 18% $11.42 $594 2.0

Yellow Medicine County $13.73

$28,560 1.4
400 $1,760 $21,120 $528
22% $9.55 $497 1.4
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $2,581 monthly or $30,977 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MISSISSIPPI:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$12.10
2-Bedroom Housing Wage		$14.89
Number of Renter Households		351,558
Percent Renters		32%

MOST EXPENSIVE AREAS	HOUSING WAGE
Lafayette County	$17.65
Jackson HMFA	$17.52
DeSoto County	$17.00
Gulfport-Biloxi HMFA	$16.27
Hattiesburg MSA	$15.87

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job

paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$14.89

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$774 $641

$1442 $629 $433 $377

$600 $900 $1200 $1500

MS-140

Mississippi Combined Nonmetro Areas

Metropolitan Areas Benton County HMFA Gulfport-Biloxi HMFA Hattiesburg MSA Jackson HMFA Marshall County HMFA Memphis HMFA Pascagoula HMFA Simpson County HMFA Tate County HMFA Tunica County HMFA Yazoo County HMFA

Counties Adams County Alcorn County Amite County Attala County

Benton County Bolivar County Calhoun County

$14.89	$774	$30,977	2.1	$57,678	$1,442	$17,303	$433	351,558	32%	$12.10	$629	1.2
$13.40	$697	$27,872	1.8	$51,018	$1,275	$15,305	$383	183,075	31%	$11.09	$577	1.2
$12.63	$657	$26,280	1.7	$48,600	$1,215	$14,580	$365	505	17%	$15.47	$805	0.8
$16.27	$846	$33,840	2.2	$60,900	$1,523	$18,270	$457	39,651	40%	$12.54	$652	1.3
$15.87	$825	$33,000	2.2	$62,600	$1,565	$18,780	$470	20,302	37%	$11.09	$577	1.4
$17.52	$911	$36,440	2.4	$70,900	$1,773	$21,270	$532	63,134	33%	$13.67	$711	1.3
$12.81	$666	$26,640	1.8	$53,800	$1,345	$16,140	$404	3,141	24%	$14.81	$770	0.9
$17.00	$884	$35,360	2.3	$67,900	$1,698	$20,370	$509	16,335	26%	$11.53	$599	1.5
$15.83	$823	$32,920	2.2	$69,100	$1,728	$20,730	$518	15,461	30%	$16.62	$864	1.0
$14.38	$748	$29,920	2.0	$44,900	$1,123	$13,470	$337	1,825	19%	$7.90	$411	1.8
$13.38	$696	$27,840	1.8	$62,100	$1,553	$18,630	$466	2,555	25%	$9.57	$498	1.4
$15.15	$788	$31,520	2.1	$39,300	$983	$11,790	$295	2,345	59%	$13.64	$709	1.1
$13.67	$711	$28,440	1.9	$39,900	$998	$11,970	$299	3,229	37%	$11.61	$604	1.2
$13.06	$679	$27,160	1.8	$37,200	$930	$11,160	$279	4,339	38%	$9.48	$493	1.4
$12.63	$657	$26,280	1.7	$49,200	$1,230	$14,760	$369	4,196	29%	$13.00	$676	1.0
$12.63	$657	$26,280	1.7	$46,100	$1,153	$13,830	$346	748	15%	$11.34	$590	1.1
$12.63	$657	$26,280	1.7	$47,400	$1,185	$14,220	$356	2,083	29%	$8.99	$467	1.4
$12.63	$657	$26,280	1.7	$48,600	$1,215	$14,580	$365	505	17%	$15.47	$805	0.8
$12.65	$658	$26,320	1.7	$38,500	$963	$11,550	$289	5,572	46%	$10.90	$567	1.2
$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.

Carroll County $12.81

$26,640 1.8
900 $1,523 $18,270 $457

703 19% $7.40 $385 1.7 Chickasaw County $12.63

$26,280 1.7
000 $1,175 $14,100 $353

1,853 29% $10.41 $542 1.2 Choctaw County $13.19

$27,440 1.8
600 $1,315 $15,780 $395

747 24% $9.99 $520 1.3 Claiborne County $12.63

$26,280 1.7
600 $740 $8,880 $222

950 32% $13.73 $714 0.9 Clarke County $12.63

$26,280 1.7
100 $1,353 $16,230 $406

1,162 19% $10.05 $523 1.3 Clay County $12.63

$26,280 1.7
800 $1,120 $13,440 $336

2,235 29% $10.81 $562 1.2 Coahoma County $12.63

$26,280 1.7
300 $883 $10,590 $265

4,200 48% $10.25 $533 1.2 Copiah County $17.52

$36,440 2.4
900 $1,773 $21,270 $532

2,054 21% $10.95 $569 1.6 Covington County $13.10

$27,240 1.8
600 $1,165 $13,980 $350

1,328 20% $12.84 $668 1.0 DeSoto County $17.00

$35,360 2.3
900 $1,698 $20,370 $509

16,335 26% $11.53 $599 1.5 Forrest County $15.87

$33,000 2.2
600 $1,565 $18,780 $470

12,706 45% $11.81 $614 1.3 Franklin County $12.63

$26,280 1.7
000 $1,425 $17,100 $428

642 21% $11.84 $616 1.1 George County $14.37

$29,880 2.0
700 $1,518 $18,210 $455

1,213 16% $9.10 $473 1.6 Greene County $12.63

$26,280 1.7
100 $1,603 $19,230 $481

634 15% $9.39 $488 1.3 Grenada County $12.63

$26,280 1.7
700 $1,143 $13,710 $343

2,746 33% $12.35 $642 1.0 Hancock County $16.27

$33,840 2.2
900 $1,523 $18,270 $457

4,964 25% $12.93 $673 1.3 Harrison County $16.27

$33,840 2.2
900 $1,523 $18,270 $457

34,687 44% $12.49 $649 1.3 Hinds County $17.52

$36,440 2.4
900 $1,773 $21,270 $532

36,876 42% $14.22 $740 1.2 Holmes County $12.63

$26,280 1.7
200 $655 $7,860 $197

2,467 39% $10.21 $531 1.2 Humphreys County $12.63

$26,280 1.7
300 $833 $9,990 $250

1,252 39% $9.29 $483 1.4 Issaquena County $12.63

$26,280 1.7
200 $805 $9,660 $242

262 54% $10.62 $552 1.2 Itawamba County $12.63

$26,280 1.7
800 $1,320 $15,840 $396

1,932 22% $12.09 $629 1.0 Jackson County $15.83

$32,920 2.2
100 $1,728 $20,730 $518

15,461 30% $16.62 $864 1.0 Jasper County $12.81

$26,640 1.8
500 $1,163 $13,950 $349

1,021 15% $10.90 $567 1.2 Jefferson County $12.63

$26,280 1.7
200 $805 $9,660 $242

841 33% $11.25 $585 1.1 Jefferson Davis County $12.63

$26,280 1.7
100 $853 $10,230 $256 1,147 24% $10.84 $564 1.2
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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.

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

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

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 than 30% of income on housing — a household must earn $2,785 monthly or $33,424 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MISSOURI:

STATE FACTS
Minimum Wage		$9.45
Average Renter Wage		$15.28
2-Bedroom Housing Wage		$16.07
Number of Renter Households		794,426
Percent Renters		33%

MOST EXPENSIVE AREAS	HOUSING WAGE
Kansas City HMFA	$18.81
St. Louis HMFA	$17.40
Columbia MSA	$17.19
St. Joseph MSA	$15.33
Cape Girardeau MSA	$14.87

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job

paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$500 $1000 $1500 $2000

MO-145

$16.07

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$662
$794 $551 $491

Missouri Combined Nonmetro Areas

Metropolitan Areas Bates County HMFA Callaway County HMFA Cape Girardeau MSA Columbia MSA Dallas County HMFA Jefferson City HMFA Joplin MSA Kansas City HMFA McDonald County HMFA Moniteau County HMFA Polk County HMFA Springfield HMFA St. Joseph MSA St. Louis HMFA

Counties Adair County Andrew County

Atchison County Audrain County

07 $12.68
42 $13.88 $14.87 $17.19 $12.19 $12.88 $13.90 $18.81 $12.19 $12.19 $13.17 $14.35 $15.33 $17.40
19 $15.33 $12.19 $12.73

Sullivan City (part of Crawford County) is not included due to a lack of sufficient data.

$33,424 1.7
483 $1,837 $22,045 $551
426 33% $15.28 $794 1.1 $659 $26,379 1.3
112 $1,378 $16,534 $413 181,515 30% $10.57 $549 1.2
$27,920 1.4
700 $1,593 $19,110 $478 1,830 27% $10.27 $534 1.3
$28,880 1.5
500 $1,738 $20,850 $521 4,353 27% $12.82 $666 1.1
$30,920 1.6
000 $1,675 $20,100 $503 11,020 32% $12.11 $630 1.2
$35,760 1.8
900 $1,948 $23,370 $584 31,271 45% $11.37 $591 1.5
$25,360 1.3
500 $1,238 $14,850 $371 1,597 26% $6.42 $334 1.9
$26,800 1.4
500 $1,888 $22,650 $566 10,509 30% $11.60 $603 1.1
$28,920 1.5
300 $1,583 $18,990 $475 22,432 33% $13.60 $707 1.0
$39,120 2.0
000 $2,150 $25,800 $645 176,391 36% $16.80 $873 1.1
$25,360 1.3
200 $1,205 $14,460 $362 2,467 30% $11.27 $586 1.1
$25,360 1.3
000 $1,600 $19,200 $480 1,251 23% $8.81 $458 1.4
$27,400 1.4
200 $1,380 $16,560 $414 3,562 31% $10.52 $547 1.3
$29,840 1.5
300 $1,633 $19,590 $490 63,436 38% $13.40 $697 1.1
$31,880 1.6
600 $1,590 $19,080 $477 14,896 34% $13.54 $704 1.1
$36,200 1.8
900 $2,073 $24,870 $622 267,896 32% $17.61 $916 1.0
$25,360 1.3
000 $1,625 $19,500 $488
801 40% $6.33 $329 1.9 $797 $31,880 1.6
600 $1,590 $19,080 $477
484 22% $10.29 $535 1.5 $634 $25,360 1.3
900 $1,598 $19,170 $479
30% $11.09 $577 1.1 $662 $26,480 1.3
600 $1,465 $17,580 $440 3,143 34% $12.61 $656 1.0
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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.

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.

Lincoln County $17.40

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

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

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.

Warren County $17.40

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

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

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 than 30% of income on housing — a household must earn $2,926 monthly or $35,112 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT MONTANA:

STATE FACTS
Minimum Wage		$8.65
Average Renter Wage		$13.15
2-Bedroom Housing Wage		$16.88
Number of Renter Households		136,687
Percent Renters		32%

MOST EXPENSIVE AREAS	HOUSING WAGE
Lewis and Clark County	$19.10
Gallatin County	$19.06
Richland County	$18.88
Musselshell County	$18.81
Park County	$18.40

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom

Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.88

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.5

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$878 $684

$1828 $684 $548 $450

$1000 $1500 $2000

MT-152

Montana Combined Nonmetro Areas

Metropolitan Areas Billings HMFA Golden Valley County HMFA Great Falls MSA Missoula MSA

Counties Beaverhead County

Big Horn County Blaine County Broadwater County Carbon County

Carter County Cascade County Chouteau County Custer County Daniels County Dawson County Deer Lodge County Fallon County Fergus County Flathead County

† Wage data not available (See Appendix B).

$16.88	$878	$35,112	2.0	$73,104	$1,828	$21,931	$548	136,687	32%	$13.15	$684	1.3
$17.01	$884	$35,379	2.0	$70,914	$1,773	$21,274	$532	82,618	31%	$12.87	$669	1.3
$17.10	$889	$35,560	2.0	$76,600	$1,915	$22,980	$575	21,598	31%	$14.43	$750	1.2
$14.58	$758	$30,320	1.7	$76,500	$1,913	$22,950	$574	86	26%	$13.88	$722	1.1
$14.40	$749	$29,960	1.7	$67,400	$1,685	$20,220	$506	12,330	36%	$13.04	$678	1.1
$17.65	$918	$36,720	2.0	$84,300	$2,108	$25,290	$632	20,055	41%	$12.50	$650	1.4
$14.42	$750	$30,000	1.7	$69,300	$1,733	$20,790	$520	1,307	33%	$8.27	$430	1.7
$16.67	$867	$34,680	1.9	$55,300	$1,383	$16,590	$415	1,471	40%	$17.34	$902	1.0
$13.73	$714	$28,560	1.6	$46,200	$1,155	$13,860	$347	954	41%	$10.16	$528	1.4
$16.35	$850	$34,000	1.9	$70,800	$1,770	$21,240	$531	449	19%	$12.96	$674	1.3
$17.10	$889	$35,560	2.0	$76,600	$1,915	$22,980	$575	996	22%	$11.17	$581	1.5
$13.73	$714	$28,560	1.6	$65,400	$1,635	$19,620	$491	113	18%	$15.19	$790	0.9
$14.40	$749	$29,960	1.7	$67,400	$1,685	$20,220	$506	12,330	36%	$13.04	$678	1.1
$13.73	$714	$28,560	1.6	$53,400	$1,335	$16,020	$401	784	35%	$11.66	$607	1.2
$15.31	$796	$31,840	1.8	$76,500	$1,913	$22,950	$574	1,528	31%	$11.57	$601	1.3
$15.31	$796	$31,840	1.8	$75,800	$1,895	$22,740	$569	165	19%	$15.13	$787	1.0
$17.19	$894	$35,760	2.0	$72,600	$1,815	$21,780	$545	1,269	32%	$14.90	$775	1.2
$13.73	$714	$28,560	1.6	$60,100	$1,503	$18,030	$451	1,210	31%	$10.84	$564	1.3
$15.35	$798	$31,920	1.8	$77,100	$1,928	$23,130	$578	429	33%	$18.63	$969	0.8
$16.50	$858	$34,320	1.9	$57,800	$1,445	$17,340	$434	1,392	28%	$15.16	$788	1.1
$17.87	$929	$37,160	2.1	$73,800	$1,845	$22,140	$554	10,484	27%	$13.31	$692	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.

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.

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).

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

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 than 30% of income on housing — a household must earn $2,820 monthly or $33,838 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NEBRASKA:

STATE FACTS
Minimum Wage		$9.00
Average Renter Wage		$13.70
2-Bedroom Housing Wage		$16.27
Number of Renter Households		255,496
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Omaha-Council Bluffs HMFA	$18.19
Lincoln HMFA	$16.63
Arthur County	$15.88
Saline County	$15.60
Sioux City HMFA	$15.44

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.27

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$846 $668

$1968 $712 $591

$250
$1000 $1500 $2000

NE-156

Nebraska Combined Nonmetro Areas

Metropolitan Areas Hall County HMFA Hamilton County HMFA Howard County HMFA Lincoln HMFA Merrick County HMFA Omaha-Council Bluffs HMFA Saunders County HMFA Seward County HMFA Sioux City HMFA

Counties Adams County Antelope County

Boone County Box Butte County Boyd County Brown County

† Wage data not available (See Appendix B).

$16.27	$846	$33,838	1.8	$78,740	$1,968	$23,622	$591	255,496	34%	$13.70	$712	1.2
$13.88	$722	$28,861	1.5	$69,313	$1,733	$20,794	$520	82,104	30%	$11.96	$622	1.2
$15.00	$780	$31,200	1.7	$66,300	$1,658	$19,890	$497	8,668	38%	$12.34	$642	1.2
$13.60	$707	$28,280	1.5	$80,200	$2,005	$24,060	$602	709	19%	$14.75	$767	0.9
$13.42	$698	$27,920	1.5	$72,700	$1,818	$21,810	$545	607	23%	$7.94	$413	1.7
$16.63	$865	$34,600	1.8	$82,100	$2,053	$24,630	$616	49,027	40%	$13.09	$681	1.3
$13.42	$698	$27,920	1.5	$69,700	$1,743	$20,910	$523	890	27%	$13.84	$720	1.0
$18.19	$946	$37,840	2.0	$87,000	$2,175	$26,100	$653	106,805	36%	$15.13	$787	1.2
$14.56	$757	$30,280	1.6	$82,800	$2,070	$24,840	$621	1,792	22%	$10.41	$541	1.4
$13.98	$727	$29,080	1.6	$84,600	$2,115	$25,380	$635	1,849	28%	$10.76	$559	1.3
$15.44	$803	$32,120	1.7	$75,200	$1,880	$22,560	$564	3,045	31%	$15.02	$781	1.0
$13.42	$698	$27,920	1.5	$72,900	$1,823	$21,870	$547	4,036	32%	$10.48	$545	1.3
$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%
$13.42	$698	$27,920	1.5	$73,200	$1,830	$21,960	$549	503	22%	$13.94	$725	1.0
$13.42	$698	$27,920	1.5	$78,500	$1,963	$23,550	$589	1,619	34%	$8.36	$435	1.6
$13.42	$698	$27,920	1.5	$67,700	$1,693	$20,310	$508	169	19%	$10.84	$564	1.2
$14.02	$729	$29,160	1.6	$55,900	$1,398	$16,770	$419	370	26%	$10.55	$549	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.

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.

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.

Morrill County $14.06

$29,240 1.6
800 $1,470 $17,640 $441

547 28% $13.49 $702 1.0 Nance County $13.42

$27,920 1.5
300 $1,633 $19,590 $490

352 23% $15.26 $794 0.9 Nemaha County $13.42

$27,920 1.5
700 $1,843 $22,110 $553

804 28% $10.30 $535 1.3 Nuckolls County $13.42

$27,920 1.5
200 $1,455 $17,460 $437

465 24% $7.71 $401 1.7 Otoe County $13.81

$28,720 1.5
300 $1,833 $21,990 $550

1,803 28% $10.79 $561 1.3 Pawnee County $13.42

$27,920 1.5
900 $1,498 $17,970 $449

199 16% $7.91 $411 1.7 Perkins County $13.42

$27,920 1.5
900 $1,848 $22,170 $554

274 22% $13.48 $701 1.0 Phelps County $13.42

$27,920 1.5
800 $1,920 $23,040 $576

1,109 28% $12.75 $663 1.1 Pierce County $13.42

$27,920 1.5
200 $1,855 $22,260 $557

723 24% $10.65 $554 1.3 Platte County $14.58

$30,320 1.6
000 $1,950 $23,400 $585

3,640 28% $13.08 $680 1.1 Polk County $13.42

$27,920 1.5
600 $2,040 $24,480 $612

410 20% $9.00 $468 1.5 Red Willow County $13.42

$27,920 1.5
000 $1,600 $19,200 $480

1,180 26% $10.38 $540 1.3 Richardson County $13.42

$27,920 1.5
500 $1,563 $18,750 $469

863 23% $10.56 $549 1.3 Rock County $13.42

$27,920 1.5
300 $1,733 $20,790 $520

169 27% $12.80 $665 1.0 Saline County $15.60

$32,440 1.7
000 $1,650 $19,800 $495

1,538 30% $13.29 $691 1.2 Sarpy County $18.19

$37,840 2.0
000 $2,175 $26,100 $653

20,095 31% $13.72 $713 1.3 Saunders County $14.56

$30,280 1.6
800 $2,070 $24,840 $621

1,792 22% $10.41 $541 1.4 Scotts Bluff County $13.94

$29,000 1.5
400 $1,560 $18,720 $468

4,531 31% $11.61 $604 1.2 Seward County $13.98

$29,080 1.6
600 $2,115 $25,380 $635

1,849 28% $10.76 $559 1.3 Sheridan County $13.42

$27,920 1.5
300 $1,458 $17,490 $437

641 28% $11.58 $602 1.2 Sherman County $13.42

$27,920 1.5
100 $1,728 $20,730 $518
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

$30,920 1.7
500 $1,838 $22,050 $551

409 17% $24.67 $1,283 0.6 Thayer County $13.42

$27,920 1.5
500 $1,738 $20,850 $521

486 21% $14.49 $754 0.9 Thomas County $13.50

$28,080 1.5
700 $1,893 $22,710 $568

80 27% $11.80 $614 1.1 Thurston County $13.42

$27,920 1.5
000 $1,325 $15,900 $398 877 40% $13.11 $682 1.0

† Wage data not available (See Appendix B).

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

Valley County Washington County Wayne County Webster County Wheeler County York County

† Wage data not available (See Appendix B).

$13.42	$698	$27,920
$18.19	$946	$37,840
$13.42	$698	$27,920
$13.42	$698	$27,920
$13.42	$698	$27,920
$13.42	$698	$27,920

5
000 $1,725 $20,700 $518
26% $10.75 $559 1.2
0
000 $2,175 $26,100 $653
728 21% $13.46 $700 1.4
5
800 $1,895 $22,740 $569
311 36% $5.98 $311 2.2
5
200 $1,580 $18,960 $474
22% $9.12 $474 1.5
5
400 $1,610 $19,320 $483
29% $17.82 $927 0.8
5
200 $1,880 $22,560 $564
669 29% $10.41 $541 1.3
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $3,549 monthly or $42,592 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NEVADA:

STATE FACTS
Minimum Wage		$9.00
Average Renter Wage		$17.42
2-Bedroom Housing Wage		$20.48
Number of Renter Households		475,410
Percent Renters		44%

MOST EXPENSIVE AREAS	HOUSING WAGE
Las Vegas-Henderson-Paradise MSA	$20.77
Reno MSA	$20.60
Douglas County	$20.52
Lander County	$19.96
Humboldt County	$18.56

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job

paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$500 $1000 $1500 $2000

NV-162

$20.48

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$858
$906 $544 $468

Nevada Combined Nonmetro Areas

Metropolitan Areas Carson City MSA Las Vegas-Henderson-Paradise MSA Reno MSA

Counties Churchill County Clark County

Douglas County

Elko County

Eureka County Humboldt County Lander County Lincoln County Lyon County Mineral County Nye County Pershing County Storey County Washoe County White Pine County Carson City

† Wage data not available (See Appendix B).

$20.48	$1,065	$42,592	2.3	$72,497	$1,812	$21,749	$544	475,410	44%	$17.42	$906	1.2
$17.53	$912	$36,461	1.9	$72,163	$1,804	$21,649	$541	30,813	29%	$17.83	$927	1.0
$18.13	$943	$37,720	2.0	$75,400	$1,885	$22,620	$566	9,950	44%	$17.84	$928	1.0
$20.77	$1,080	$43,200	2.3	$70,800	$1,770	$21,240	$531	359,907	47%	$17.46	$908	1.2
$20.60	$1,071	$42,840	2.3	$79,600	$1,990	$23,880	$597	74,740	42%	$17.02	$885	1.2
$17.12	$890	$35,600	1.9	$63,300	$1,583	$18,990	$475	3,363	34%	$17.48	$909	1.0
$20.77	$1,080	$43,200	2.3	$70,800	$1,770	$21,240	$531	359,907	47%	$17.46	$908	1.2
$20.52	$1,067	$42,680	2.3	$75,400	$1,885	$22,620	$566	6,203	30%	$16.98	$883	1.2
$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%
$17.13	$891	$35,640	1.9	$118,600	$2,965	$35,580	$890	201	27%	$34.67	$1,803	0.5
$18.56	$965	$38,600	2.1	$85,900	$2,148	$25,770	$644	1,548	25%	$16.07	$836	1.2
$19.96	$1,038	$41,520	2.2	$97,000	$2,425	$29,100	$728	407	20%	$18.03	$938	1.1
$14.23	$740	$29,600	1.6	$63,300	$1,583	$18,990	$475	539	26%	$7.40	$385	1.9
$16.08	$836	$33,440	1.8	$64,100	$1,603	$19,230	$481	6,004	29%	$16.07	$836	1.0
$13.73	$714	$28,560	1.5	$61,900	$1,548	$18,570	$464	616	32%	$18.83	$979	0.7
$16.12	$838	$33,520	1.8	$57,300	$1,433	$17,190	$430	5,416	29%	$17.61	$916	0.9
$13.73	$714	$28,560	1.5	$64,100	$1,603	$19,230	$481	510	26%	$20.22	$1,051	0.7
$20.60	$1,071	$42,840	2.3	$79,600	$1,990	$23,880	$597	200	13%	$18.93	$985	1.1
$20.60	$1,071	$42,840	2.3	$79,600	$1,990	$23,880	$597	74,540	42%	$16.86	$877	1.2
$16.27	$846	$33,840	1.8	$73,800	$1,845	$22,140	$554	921	26%	$21.12	$1,098	0.8
$18.13	$943	$37,720	2.0	$75,400	$1,885	$22,620	$566	9,950	44%	$17.84	$928	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.

NEW HAMPSHIRE #15*

FACTS ABOUT NEW HAMPSHIRE:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.83
2-Bedroom Housing Wage		$23.43
Number of Renter Households		153,320
Percent Renters		29%

MOST EXPENSIVE AREAS	HOUSING WAGE
Boston-Cambridge-Quincy HMFA	$44.44
Western Rockingham County HMFA	$28.92
Lawrence HMFA	$27.65
Nashua HMFA	$26.25
Portsmouth-Rochester HMFA	$25.29

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

129

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

3.2

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying mean renter wage Rent affordable at 30% of AMI

Rent affordable with full-time job

$377

paying minimum wage Rent affordable to SSI recipient

$500 $1000 $1500 $2000 $2500

NH-164

$23.43

PER HOUR

STATE HOUSING WAGE

101

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.5

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$948
$823 $711

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

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

New Hampshire Combined Nonmetro Areas

Metropolitan Areas Boston-Cambridge-Quincy HMFA Hillsborough County (part) HMFA Lawrence HMFA Manchester HMFA Nashua HMFA Portsmouth-Rochester HMFA Western Rockingham County HMFA

Counties Belknap County Carroll County Cheshire County

Grafton County Merrimack County Sullivan County

† Wage data not available (See Appendix B).

43 $19.90
44 $21.23 $27.65 $23.04 $26.25 $25.29 $28.92
62 $19.27 $20.42 $14.79 $19.25 $21.75 $19.17

218 $1,035
311 $1,104 $1,438 $1,198 $1,365 $1,315 $1,504
020
002
062
001
131
726 $41,391
440 $44,160 $57,520 $47,920 $54,600 $52,600 $60,160
800 $40,080 $42,480 $30,760 $40,040 $45,240 $39,880
2 2.7
1 2.9 3.8 3.2 3.6 3.5 4.0
7 2.7 2.8 2.0 2.7 3.0 2.6
756 $83,759
000 $94,100 $98,000 $83,600 $113,600 $102,800 $112,200
400 $71,900 $86,500 $61,900 $92,600 $89,200 $76,900
369 $2,094
975 $2,353 $2,450 $2,090 $2,840 $2,570 $2,805
060 $1,798 $2,163 $1,548 $2,315 $2,230 $1,923
427 $25,128
700 $28,230 $29,400 $25,080 $34,080 $30,840 $33,660
720 $21,570 $25,950 $18,570 $27,780 $26,760 $23,070
$628
$706 $735 $627 $852 $771 $842
$539 $649 $464 $695 $669 $577
320 55,188
357 2,295 11,357 27,772 24,134 29,133 2,084
712 4,344 9,150 3,991 10,780 16,446 4,765
28%
18% 21% 44% 29% 31% 12%
21% 30% 29% 31% 28% 27%
83 $14.11
50 $17.92 $15.50 $17.92 $17.92 $15.44 $15.50
87 $10.23 $13.00
19 $14.23 $13.37
$734
$932 $806 $932 $932 $803 $806
$532 $676
$740 $695
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.
5 1.4
9 1.2 1.8 1.3 1.5 1.6 1.9
7 1.9 1.6
1 1.5 1.4

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 more than 30% of income on housing — a household must earn $5,147 monthly or $61,762 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NEW JERSEY:

STATE FACTS
Minimum Wage		$11.00
Average Renter Wage		$19.10
2-Bedroom Housing Wage		$29.69
Number of Renter Households		1,158,949
Percent Renters		36%

MOST EXPENSIVE AREAS	HOUSING WAGE
Middlesex-Somerset-Hunterdon HMFA	$34.04
Jersey City HMFA	$32.52
Monmouth-Ocean HMFA	$31.52
Bergen-Passaic HMFA	$31.21
Newark HMFA	$28.52

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

108

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom

Rental Home (at FMR)

2.7

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$29.69

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1544 $1263

$2571 $993 $771 $572

$244

$1000 $2000 $3000

NJ-168

New Jersey

Metropolitan Areas Atlantic City-Hammonton MSA Bergen-Passaic HMFA * Jersey City HMFA Middlesex-Somerset-Hunterdon HMFA Monmouth-Ocean HMFA Newark HMFA Ocean City MSA Philadelphia-Camden-Wilmington MSA Trenton MSA Vineland-Bridgeton MSA Warren County HMFA

Counties Atlantic County Bergen County * Burlington County Camden County

Cape May County Cumberland County Essex County

$29.69	$1,544	$61,762	2.7	$102,843	$2,571	$30,853	$771	1,158,949	36%	$19.10	$993	1.6
$25.10	$1,305	$52,200	2.3	$84,300	$2,108	$25,290	$632	32,538	33%	$11.36	$591	2.2
$31.21	$1,623	$64,920	2.8	$104,200	$2,605	$31,260	$782	197,370	39%	$18.49	$961	1.7
$32.52	$1,691	$67,640	3.0	$76,900	$1,923	$23,070	$577	175,047	69%	$31.87	$1,657	1.0
$34.04	$1,770	$70,800	3.1	$119,500	$2,988	$35,850	$896	140,602	31%	$22.02	$1,145	1.5
$31.52	$1,639	$65,560	2.9	$109,400	$2,735	$32,820	$821	106,643	23%	$12.99	$675	2.4
$28.52	$1,483	$59,320	2.6	$106,000	$2,650	$31,800	$795	290,977	41%	$21.71	$1,129	1.3
$24.04	$1,250	$50,000	2.2	$85,800	$2,145	$25,740	$644	8,944	22%	$9.22	$479	2.6
$23.58	$1,226	$49,040	2.1	$96,600	$2,415	$28,980	$725	130,256	27%	$14.26	$742	1.7
$28.00	$1,456	$58,240	2.5	$108,700	$2,718	$32,610	$815	46,939	36%	$18.63	$969	1.5
$24.21	$1,259	$50,360	2.2	$67,700	$1,693	$20,310	$508	18,006	36%	$11.69	$608	2.1
$22.52	$1,171	$46,840	2.0	$97,800	$2,445	$29,340	$734	11,627	28%	$13.08	$680	1.7
$25.10	$1,305	$52,200	2.3	$84,300	$2,108	$25,290	$632	32,538	33%	$11.36	$591	2.2
$31.21	$1,623	$64,920	2.8	$104,200	$2,605	$31,260	$782	120,368	36%	$19.90	$1,035	1.6
$23.58	$1,226	$49,040	2.1	$96,600	$2,415	$28,980	$725	40,141	24%	$17.79	$925	1.3
$23.58	$1,226	$49,040	2.1	$96,600	$2,415	$28,980	$725	62,318	33%	$13.02	$677	1.8
$24.04	$1,250	$50,000	2.2	$85,800	$2,145	$25,740	$644	8,944	22%	$9.22	$479	2.6
$24.21	$1,259	$50,360	2.2	$67,700	$1,693	$20,310	$508	18,006	36%	$11.69	$608	2.1
$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.

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

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

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 than 30% of income on housing — a household must earn $2,837 monthly or $34,047 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NEW MEXICO:

STATE FACTS
Minimum Wage		$9.00
Average Renter Wage		$13.99
2-Bedroom Housing Wage		$16.37
Number of Renter Households		251,409
Percent Renters		32%

MOST EXPENSIVE AREAS	HOUSING WAGE
Los Alamos County	$21.29
Santa Fe MSA	$20.33
Lea County	$18.29
Eddy County	$17.77
Curry County	$16.92

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$16.37

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.5

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$851 $696

$1572

$471 $468

$500 $1000 $1500 $2000

NM-171

New Mexico Combined Nonmetro Areas

Metropolitan Areas Albuquerque MSA Farmington MSA Las Cruces MSA Santa Fe MSA

Counties Bernalillo County

Chaves County Cibola County Colfax County Curry County De Baca County Dona Ana County Eddy County Grant County Guadalupe County

Hidalgo County Lea County Lincoln County

† Wage data not available (See Appendix B).

$16.37	$851	$34,047	1.8	$62,865	$1,572	$18,859	$471	251,409	32%	$13.99	$728	1.2
$15.55	$809	$32,350	1.7	$55,465	$1,387	$16,639	$416	75,362	31%	$15.64	$813	1.0
$16.87	$877	$35,080	1.9	$69,100	$1,728	$20,730	$518	115,919	33%	$13.39	$696	1.3
$15.81	$822	$32,880	1.8	$54,700	$1,368	$16,410	$410	12,148	28%	$16.05	$835	1.0
$14.27	$742	$29,680	1.6	$52,100	$1,303	$15,630	$391	29,580	38%	$10.47	$545	1.4
$20.33	$1,057	$42,280	2.3	$76,000	$1,900	$22,800	$570	18,400	30%	$14.12	$734	1.4
$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%
$15.62	$812	$32,480	1.7	$57,000	$1,425	$17,100	$428	7,176	31%	$12.51	$650	1.2
$13.73	$714	$28,560	1.5	$48,500	$1,213	$14,550	$364	2,700	30%	$13.14	$683	1.0
$14.27	$742	$29,680	1.6	$49,700	$1,243	$14,910	$373	1,764	31%	$8.47	$441	1.7
$16.92	$880	$35,200	1.9	$51,700	$1,293	$15,510	$388	7,882	43%	$13.58	$706	1.2
$15.12	$786	$31,440	1.7	$54,900	$1,373	$16,470	$412	237	34%	$14.89	$774	1.0
$14.27	$742	$29,680	1.6	$52,100	$1,303	$15,630	$391	29,580	38%	$10.47	$545	1.4
$17.77	$924	$36,960	2.0	$70,700	$1,768	$21,210	$530	6,207	29%	$21.34	$1,110	0.8
$14.33	$745	$29,800	1.6	$53,800	$1,345	$16,140	$404	3,567	30%	$12.69	$660	1.1
$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%
$13.73	$714	$28,560	1.5	$49,900	$1,248	$14,970	$374	520	30%	$7.55	$392	1.8
$18.29	$951	$38,040	2.0	$64,300	$1,608	$19,290	$482	7,141	32%	$20.32	$1,057	0.9
$16.71	$869	$34,760	1.9	$60,000	$1,500	$18,000	$450	1,798	23%	$7.70	$401	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.

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).

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

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 than 30% of income on housing — a household must earn $5,638 monthly or $67,653 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NEW YORK:

STATE FACTS
Minimum Wage		$11.80
Average Renter Wage		$25.68
2-Bedroom Housing Wage		$32.53
Number of Renter Households		3,373,181
Percent Renters		46%

MOST EXPENSIVE AREAS	HOUSING WAGE
Nassau-Suffolk HMFA	$38.31
Westchester County Statutory Exception Area	$37.98
New York HMFA	$37.52
Poughkeepsie-Newburgh-Middletown HMFA	$26.87
Kingston MSA	$23.37

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

110

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$261

$0 $500 $1000 $1500 $2000 $2500

NY-174

$32.53

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1457
$1335 $659 $614

New York Combined Nonmetro Areas

Metropolitan Areas Albany-Schenectady-Troy MSA Binghamton MSA Buffalo-Cheektowaga-Niagara Falls MSA Elmira MSA Glens Falls MSA Ithaca MSA Kingston MSA Nassau-Suffolk HMFA New York HMFA Poughkeepsie-Newburgh-Middletown HMFA Rochester HMFA Syracuse MSA Utica-Rome MSA Watertown-Fort Drum MSA Westchester County Statutory Exception Area Yates County HMFA

Counties Albany County

$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
$15.66	$814	$32,570	1.3	$67,525	$1,688	$20,258	$506	153,608	28%	$11.50	$598	1.4
$20.27	$1,054	$42,160	1.7	$99,200	$2,480	$29,760	$744	126,087	36%	$15.60	$811	1.3
$15.77	$820	$32,800	1.3	$76,900	$1,923	$23,070	$577	31,885	32%	$11.37	$591	1.4
$16.21	$843	$33,720	1.4	$77,600	$1,940	$23,280	$582	161,948	34%	$12.70	$661	1.3
$16.13	$839	$33,560	1.4	$73,600	$1,840	$22,080	$552	11,024	32%	$11.78	$612	1.4
$18.38	$956	$38,240	1.6	$76,600	$1,915	$22,980	$575	14,508	28%	$12.18	$634	1.5
$22.54	$1,172	$46,880	1.9	$85,600	$2,140	$25,680	$642	17,577	45%	$14.62	$760	1.5
$23.37	$1,215	$48,600	2.0	$83,700	$2,093	$25,110	$628	21,724	31%	$10.81	$562	2.2
$38.31	$1,992	$79,680	3.2	$126,600	$3,165	$37,980	$950	183,300	20%	$15.07	$783	2.5
$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
$26.87	$1,397	$55,880	2.3	$102,300	$2,558	$30,690	$767	74,048	32%	$12.49	$649	2.2
$18.69	$972	$38,880	1.6	$76,400	$1,910	$22,920	$573	139,932	33%	$13.18	$685	1.4
$17.31	$900	$36,000	1.5	$75,800	$1,895	$22,740	$569	83,865	33%	$13.28	$690	1.3
$15.19	$790	$31,600	1.3	$71,700	$1,793	$21,510	$538	36,480	32%	$11.03	$574	1.4
$21.13	$1,099	$43,960	1.8	$59,500	$1,488	$17,850	$446	19,159	44%	$14.26	$741	1.5
$37.98	$1,975	$79,000	3.2	$125,800	$3,145	$37,740	$944	134,443	39%	$19.27	$1,002	2.0
$14.90	$775	$31,000	1.3	$70,600	$1,765	$21,180	$530	1,877	21%	$8.48	$441	1.8
$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.

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.

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.

Tioga County $15.77

$32,800 1.3
900 $1,923 $23,070 $577
618 23% $13.29 $691 1.2 Tompkins County $22.54
172 $46,880 1.9
600 $2,140 $25,680 $642
577 45% $14.62 $760 1.5 Ulster County $23.37
215 $48,600 2.0
700 $2,093 $25,110 $628
724 31% $10.81 $562 2.2 Warren County $18.38
$38,240 1.6
600 $1,915 $22,980 $575
006 29% $12.09 $628 1.5 Washington County $18.38
$38,240 1.6
600 $1,915 $22,980 $575
502 27% $12.51 $650 1.5 Wayne County $18.69
$38,880 1.6
400 $1,910 $22,920 $573
781 24% $10.75 $559 1.7 Westchester County $37.98
975 $79,000 2.9
800 $3,145 $37,740 $944
443 39% $19.27 $1,002 2.0 Wyoming County $14.19
$29,520 1.2
700 $1,768 $21,210 $530
744 24% $10.17 $529 1.4 Yates County $14.90
$31,000 1.3
600 $1,765 $21,180 $530 1,877 21% $8.48 $441 1.8
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 more than 30% of income on housing — a household must earn $3,063 monthly or $36,751 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NORTH CAROLINA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.92
2-Bedroom Housing Wage		$17.67
Number of Renter Households		1,369,892
Percent Renters		35%

MOST EXPENSIVE AREAS	HOUSING WAGE
Asheville HMFA	$24.13
Raleigh MSA	$22.37
Currituck County	$21.85
Durham-Chapel Hill HMFA	$20.92
Camden County	$20.63

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$500 $1000 $1500 $2000

NC-179

$17.67

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$919 $773

$1785 $828 $535 $377

North Carolina Combined Nonmetro Areas

Metropolitan Areas Asheville HMFA Brunswick County HMFA Burlington MSA Charlotte-Concord-Gastonia HMFA Craven County HMFA Davidson County HMFA Durham-Chapel Hill HMFA Fayetteville HMFA Gates County HMFA Goldsboro MSA Greensboro-High Point HMFA Greenville MSA Haywood County HMFA Hickory-Lenoir-Morganton MSA Hoke County HMFA Iredell County HMFA Jacksonville MSA Jones County HMFA

† Wage data not available (See Appendix B).

$17.67	$919	$36,751	2.4	$71,385	$1,785	$21,415	$535	1,369,892	35%	$15.92	$828	1.1
$13.84	$720	$28,786	1.9	$56,514	$1,413	$16,954	$424	265,922	31%	$11.21	$583	1.2
$24.13	$1,255	$50,200	3.3	$72,500	$1,813	$21,750	$544	54,419	33%	$13.71	$713	1.8
$16.25	$845	$33,800	2.2	$71,600	$1,790	$21,480	$537	11,369	21%	$11.14	$579	1.5
$16.29	$847	$33,880	2.2	$64,200	$1,605	$19,260	$482	22,391	35%	$13.69	$712	1.2
$20.44	$1,063	$42,520	2.8	$83,500	$2,088	$25,050	$626	238,386	38%	$20.76	$1,080	1.0
$17.87	$929	$37,160	2.5	$66,200	$1,655	$19,860	$497	15,327	38%	$13.45	$700	1.3
$13.37	$695	$27,800	1.8	$59,300	$1,483	$17,790	$445	19,566	30%	$12.76	$664	1.0
$20.92	$1,088	$43,520	2.9	$90,900	$2,273	$27,270	$682	83,765	41%	$20.73	$1,078	1.0
$16.42	$854	$34,160	2.3	$58,000	$1,450	$17,400	$435	61,023	49%	$13.47	$700	1.2
$13.40	$697	$27,880	1.8	$68,000	$1,700	$20,400	$510	972	22%	$12.22	$635	1.1
$15.62	$812	$32,480	2.2	$54,100	$1,353	$16,230	$406	18,527	38%	$11.78	$613	1.3
$16.12	$838	$33,520	2.2	$66,600	$1,665	$19,980	$500	99,063	38%	$14.91	$776	1.1
$14.90	$775	$31,000	2.1	$66,700	$1,668	$20,010	$500	32,937	48%	$12.00	$624	1.2
$17.65	$918	$36,720	2.4	$60,400	$1,510	$18,120	$453	7,398	28%	$10.37	$539	1.7
$13.69	$712	$28,480	1.9	$61,000	$1,525	$18,300	$458	41,022	29%	$12.87	$669	1.1
$13.87	$721	$28,840	1.9	$54,800	$1,370	$16,440	$411	5,734	32%	$11.29	$587	1.2
$16.85	$876	$35,040	2.3	$73,100	$1,828	$21,930	$548	18,338	28%	$15.46	$804	1.1
$17.69	$920	$36,800	2.4	$57,700	$1,443	$17,310	$433	30,257	47%	$12.18	$634	1.5
$12.90	$671	$26,840	1.8	$50,100	$1,253	$15,030	$376	1,125	27%	$11.47	$596	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.

Lincoln County HMFA Pamlico County HMFA Pender County HMFA Person County HMFA Raleigh MSA Rockingham County HMFA Rocky Mount MSA Rowan County HMFA Virginia Beach-Norfolk-Newport News HMFA Wilmington HMFA Winston-Salem HMFA

Counties Alamance County Alexander County Alleghany County Anson County Ashe County Avery County Beaufort County Bertie County Bladen County Brunswick County Buncombe County

† Wage data not available (See Appendix B).

$15.38	$800	$32,000	2.1	$65,500	$1,638	$19,650	$491	7,547	24%	$12.02	$625	1.3
$14.58	$758	$30,320	2.0	$60,400	$1,510	$18,120	$453	1,332	25%	$9.14	$475	1.6
$14.56	$757	$30,280	2.0	$67,900	$1,698	$20,370	$509	4,246	20%	$9.59	$499	1.5
$13.90	$723	$28,920	1.9	$61,800	$1,545	$18,540	$464	3,910	25%	$9.38	$488	1.5
$22.37	$1,163	$46,520	3.1	$94,100	$2,353	$28,230	$706	166,642	35%	$17.96	$934	1.2
$13.02	$677	$27,080	1.8	$61,700	$1,543	$18,510	$463	11,506	31%	$10.49	$545	1.2
$14.48	$753	$30,120	2.0	$57,700	$1,443	$17,310	$433	21,290	37%	$11.70	$608	1.2
$16.19	$842	$33,680	2.2	$64,400	$1,610	$19,320	$483	16,178	31%	$14.50	$754	1.1
$21.85	$1,136	$45,440	3.0	$82,500	$2,063	$24,750	$619	1,764	17%	$10.02	$521	2.2
$18.58	$966	$38,640	2.6	$81,000	$2,025	$24,300	$608	40,064	43%	$13.12	$682	1.4
$14.67	$763	$30,520	2.0	$68,600	$1,715	$20,580	$515	67,872	34%	$14.88	$774	1.0
$16.29	$847	$33,880	2.2	$64,200	$1,605	$19,260	$482	22,391	35%	$13.69	$712	1.2
$13.69	$712	$28,480	1.9	$61,000	$1,525	$18,300	$458	3,388	25%	$9.82	$511	1.4
$12.90	$671	$26,840	1.8	$47,900	$1,198	$14,370	$359	1,185	25%	$9.75	$507	1.3
$12.90	$671	$26,840	1.8	$49,100	$1,228	$14,730	$368	3,146	33%	$11.44	$595	1.1
$12.90	$671	$26,840	1.8	$52,900	$1,323	$15,870	$397	2,930	25%	$11.29	$587	1.1
$14.25	$741	$29,640	2.0	$48,600	$1,215	$14,580	$365	1,669	25%	$10.65	$554	1.3
$12.90	$671	$26,840	1.8	$58,300	$1,458	$17,490	$437	5,711	30%	$9.47	$492	1.4
$12.90	$671	$26,840	1.8	$45,000	$1,125	$13,500	$338	2,004	25%	$10.68	$555	1.2
$12.90	$671	$26,840	1.8	$48,600	$1,215	$14,580	$365	4,082	29%	$11.90	$619	1.1
$16.25	$845	$33,800	2.2	$71,600	$1,790	$21,480	$537	11,369	21%	$11.14	$579	1.5
$24.13	$1,255	$50,200	3.3	$72,500	$1,813	$21,750	$544	38,821	36%	$14.29	$743	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.

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.

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.

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.

Union County $20.44

063 $42,520 2.8
500 $2,088 $25,050 $626

14,649 19% $12.10 $629 1.7 Vance County $12.90

$26,840 1.8
100 $1,203 $14,430 $361

6,793 40% $11.09 $577 1.2 Wake County $22.37

163 $46,520 3.1
100 $2,353 $28,230 $706

140,940 36% $18.54 $964 1.2 Warren County $12.90

$26,840 1.8
100 $1,278 $15,330 $383

2,137 27% $8.30 $432 1.6 Washington County $12.90

$26,840 1.8
800 $1,270 $15,240 $381

1,865 37% $12.78 $664 1.0 Watauga County $16.63

$34,600 2.3
400 $1,735 $20,820 $521

8,010 39% $7.34 $382 2.3 Wayne County $15.62

$32,480 2.2
100 $1,353 $16,230 $406

18,527 38% $11.78 $613 1.3 Wilkes County $12.90

$26,840 1.8
700 $1,343 $16,110 $403

7,319 26% $10.00 $520 1.3 Wilson County $14.38

$29,920 2.0
000 $1,525 $18,300 $458

13,164 41% $13.92 $724 1.0 Yadkin County $14.67

$30,520 2.0
600 $1,715 $20,580 $515

3,600 23% $10.52 $547 1.4 Yancey County $12.90

$26,840 1.8
400 $1,335 $16,020 $401 1,906 26% $9.96 $518 1.3

† Wage data not available (See Appendix B).

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

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 more than 30% of income on housing — a household must earn $2,804 monthly or $33,647 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT NORTH DAKOTA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$17.12
2-Bedroom Housing Wage		$16.18
Number of Renter Households		117,556
Percent Renters		37%

MOST EXPENSIVE AREAS	HOUSING WAGE
Dunn County	$21.67
McKenzie County	$19.85
Ward County	$18.69
Stark County	$17.69
Williams County	$17.48

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

$16.18

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Two bedroom FMR

$841

One bedroom FMR

$666

Rent affordable at area

$2217

median income (AMI)

Rent affordable with full-time job paying

$890

mean renter wage Rent affordable at 30% of AMI

$665

Rent affordable with full-time job

$377

paying minimum wage Rent affordable to SSI recipient

$235

$0 $500 $1000 $1500 $2000 $2500

ND-186

North Dakota Combined Nonmetro Areas

Metropolitan Areas Bismarck HMFA Fargo MSA Grand Forks MSA

Sioux County HMFA

Counties Adams County Barnes County Benson County Billings County Bottineau County Bowman County Burke County Burleigh County Cass County Cavalier County Dickey County Divide County Dunn County Eddy County

† Wage data not available (See Appendix B).

$16.18	$841	$33,647	2.2	$88,698	$2,217	$26,610	$665	117,556	37%	$17.12	$890	0.9
$16.03	$834	$33,350	2.2	$86,092	$2,152	$25,828	$646	49,865	32%	$19.76	$1,027	0.8
$17.15	$892	$35,680	2.4	$96,000	$2,400	$28,800	$720	16,452	31%	$14.61	$760	1.2
$16.04	$834	$33,360	2.2	$89,400	$2,235	$26,820	$671	34,998	47%	$15.71	$817	1.0
$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%
$13.73	$714	$28,560	1.9	$44,600	$1,115	$13,380	$335	608	55%	$10.72	$558	1.3
$13.73	$714	$28,560	1.9	$78,400	$1,960	$23,520	$588	288	28%	$18.40	$957	0.7
$13.81	$718	$28,720	1.9	$80,700	$2,018	$24,210	$605	1,585	31%	$10.89	$566	1.3
$13.73	$714	$28,560	1.9	$52,600	$1,315	$15,780	$395	793	35%	$10.09	$525	1.4
$14.27	$742	$29,680	2.0	$107,700	$2,693	$32,310	$808	103	27%	$13.18	$686	1.1
$13.73	$714	$28,560	1.9	$79,700	$1,993	$23,910	$598	665	22%	$13.40	$697	1.0
$13.73	$714	$28,560	1.9	$99,400	$2,485	$29,820	$746	355	25%	$13.63	$709	1.0
$16.58	$862	$34,480	2.3	$89,800	$2,245	$26,940	$674	183	21%	$17.39	$904	1.0
$17.15	$892	$35,680	2.4	$96,000	$2,400	$28,800	$720	12,456	32%	$14.35	$746	1.2
$16.04	$834	$33,360	2.2	$89,400	$2,235	$26,820	$671	34,998	47%	$15.71	$817	1.0
$13.73	$714	$28,560	1.9	$85,500	$2,138	$25,650	$641	335	19%	$16.23	$844	0.8
$13.73	$714	$28,560	1.9	$77,500	$1,938	$23,250	$581	609	28%	$12.56	$653	1.1
$13.73	$714	$28,560	1.9	$93,300	$2,333	$27,990	$700	274	24%	$24.66	$1,282	0.6
$21.67	$1,127	$45,080	3.0	$92,000	$2,300	$27,600	$690	367	22%	$30.49	$1,585	0.7
$13.73	$714	$28,560	1.9	$76,600	$1,915	$22,980	$575	327	31%	$8.68	$451	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.

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.

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).

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

FACTS ABOUT OHIO:

STATE FACTS
Minimum Wage		$8.70
Average Renter Wage		$14.42
2-Bedroom Housing Wage		$15.99
Number of Renter Households		1,582,848
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Columbus HMFA	$19.08
Union County	$19.02
Cincinnati HMFA	$16.63
Cleveland-Elyria MSA	$16.33
Akron MSA	$16.29

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$235

$0 $500 $1000 $1500 $2000

OH-190

$15.99

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.5

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$656
$750 $559 $452

Ohio Combined Nonmetro Areas

Metropolitan Areas Akron MSA Brown County HMFA Canton-Massillon MSA Cincinnati HMFA Cleveland-Elyria MSA Columbus HMFA Dayton MSA Hocking County HMFA Huntington-Ashland HMFA Lima MSA Mansfield MSA Perry County HMFA Springfield MSA Toledo MSA Union County HMFA Weirton-Steubenville MSA Wheeling MSA Youngstown-Warren-Boardman HMFA

$15.99	$832	$33,267	1.8	$74,544	$1,864	$22,363	$559	1,582,848	34%	$14.42	$750	1.1
$13.80	$718	$28,706	1.6	$64,244	$1,606	$19,273	$482	263,120	28%	$12.43	$646	1.1
$16.29	$847	$33,880	1.9	$76,300	$1,908	$22,890	$572	95,709	33%	$13.51	$703	1.2
$13.71	$713	$28,520	1.6	$60,200	$1,505	$18,060	$452	4,551	26%	$9.39	$488	1.5
$14.67	$763	$30,520	1.7	$69,500	$1,738	$20,850	$521	50,937	31%	$12.03	$625	1.2
$16.63	$865	$34,600	1.9	$86,300	$2,158	$25,890	$647	225,548	35%	$15.70	$816	1.1
$16.33	$849	$33,960	1.9	$76,000	$1,900	$22,800	$570	300,376	35%	$15.36	$799	1.1
$19.08	$992	$39,680	2.2	$84,500	$2,113	$25,350	$634	292,189	39%	$16.40	$853	1.2
$14.94	$777	$31,080	1.7	$72,800	$1,820	$21,840	$546	121,687	37%	$13.84	$719	1.1
$13.38	$696	$27,840	1.5	$64,300	$1,608	$19,290	$482	2,724	24%	$8.31	$432	1.6
$15.54	$808	$32,320	1.8	$59,100	$1,478	$17,730	$443	6,693	28%	$10.30	$536	1.5
$13.69	$712	$28,480	1.6	$67,100	$1,678	$20,130	$503	13,585	34%	$11.91	$619	1.1
$13.38	$696	$27,840	1.5	$66,300	$1,658	$19,890	$497	15,382	32%	$12.00	$624	1.1
$14.02	$729	$29,160	1.6	$56,600	$1,415	$16,980	$425	3,486	26%	$10.49	$546	1.3
$14.63	$761	$30,440	1.7	$61,100	$1,528	$18,330	$458	19,226	35%	$12.56	$653	1.2
$14.75	$767	$30,680	1.7	$71,900	$1,798	$21,570	$539	92,659	38%	$13.53	$704	1.1
$19.02	$989	$39,560	2.2	$95,600	$2,390	$28,680	$717	4,435	23%	$16.44	$855	1.2
$13.38	$696	$27,840	1.5	$62,400	$1,560	$18,720	$468	8,442	31%	$10.74	$559	1.2
$14.17	$737	$29,480	1.6	$68,900	$1,723	$20,670	$517	6,179	24%	$11.00	$572	1.3
$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.

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.

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.

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.

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

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

FACTS ABOUT OKLAHOMA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.12
2-Bedroom Housing Wage		$15.93
Number of Renter Households		507,582
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Oklahoma City HMFA	$17.42
Tulsa HMFA	$17.27
Beckham County	$15.79
Enid MSA	$15.77
Payne County	$15.08

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$15.93

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$828 $653

$786 $498 $377 $247
$1000 $1500 $2000

OK-196

Oklahoma Combined Nonmetro Areas

Metropolitan Areas Cotton County HMFA Enid MSA Fort Smith HMFA Grady County HMFA Lawton HMFA Le Flore County HMFA Lincoln County HMFA Oklahoma City HMFA Okmulgee County HMFA Pawnee County HMFA Tulsa HMFA

Counties Adair County Alfalfa County Atoka County Beaver County

Beckham County Blaine County Bryan County

$15.93	$828	$33,132	2.2	$66,385	$1,660	$19,916	$498	507,582	34%	$15.12	$786	1.1
$13.64	$709	$28,379	1.9	$58,242	$1,456	$17,472	$437	150,580	31%	$13.13	$683	1.0
$13.19	$686	$27,440	1.8	$60,200	$1,505	$18,060	$452	481	22%	$10.63	$553	1.2
$15.77	$820	$32,800	2.2	$65,200	$1,630	$19,560	$489	8,469	36%	$16.27	$846	1.0
$13.19	$686	$27,440	1.8	$54,200	$1,355	$16,260	$407	4,448	29%	$8.67	$451	1.5
$13.42	$698	$27,920	1.9	$69,800	$1,745	$20,940	$524	4,420	22%	$10.83	$563	1.2
$14.37	$747	$29,880	2.0	$67,100	$1,678	$20,130	$503	19,392	46%	$13.30	$692	1.1
$13.19	$686	$27,440	1.8	$51,100	$1,278	$15,330	$383	5,252	29%	$10.48	$545	1.3
$13.19	$686	$27,440	1.8	$61,600	$1,540	$18,480	$462	2,682	21%	$10.53	$548	1.3
$17.42	$906	$36,240	2.4	$74,400	$1,860	$22,320	$558	178,545	37%	$15.96	$830	1.1
$13.19	$686	$27,440	1.8	$53,300	$1,333	$15,990	$400	4,303	29%	$10.87	$565	1.2
$13.29	$691	$27,640	1.8	$57,600	$1,440	$17,280	$432	1,498	24%	$13.28	$690	1.0
$17.27	$898	$35,920	2.4	$68,600	$1,715	$20,580	$515	127,512	36%	$16.30	$847	1.1
$13.19	$686	$27,440	1.8	$43,800	$1,095	$13,140	$329	2,433	31%	$11.31	$588	1.2
$13.50	$702	$28,080	1.9	$71,600	$1,790	$21,480	$537	432	22%	$15.11	$786	0.9
$13.19	$686	$27,440	1.8	$48,600	$1,215	$14,580	$365	1,392	26%	$9.76	$507	1.4
$13.40	$697	$27,880	1.8	$64,100	$1,603	$19,230	$481	454	22%	$18.77	$976	0.7
$15.79	$821	$32,840	2.2	$66,200	$1,655	$19,860	$497	2,648	35%	$17.26	$898	0.9
$13.19	$686	$27,440	1.8	$62,400	$1,560	$18,720	$468	908	23%	$14.01	$729	0.9
$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.

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.

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.

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

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

OREGON #13* Oregon

FACTS ABOUT OREGON:

STATE FACTS
Minimum Wage		$12.00
Average Renter Wage		$16.78
2-Bedroom Housing Wage		$24.37
Number of Renter Households		606,312
Percent Renters		38%

MOST EXPENSIVE AREAS	HOUSING WAGE
Portland-Vancouver-Hillsboro MSA	$28.75
Bend-Redmond MSA	$23.02
Corvallis MSA	$22.63
Eugene-Springfield MSA	$22.62
Hood River County	$22.60

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$235

$24.37

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1267 $1046

$872 $590 $624
$1500 $2000

OR-201

$0 $500

Oregon Combined Nonmetro Areas

Metropolitan Areas Albany MSA Bend-Redmond MSA Corvallis MSA Eugene-Springfield MSA Grants Pass MSA Medford MSA Portland-Vancouver-Hillsboro MSA Salem MSA

Counties Baker County Benton County

Clackamas County Clatsop County Columbia County Coos County Crook County Curry County Deschutes County Douglas County Gilliam County

$24.37	$1,267	$50,687	2.0	$78,661	$1,967	$23,598	$590	606,312	38%	$16.78	$872	1.5
$18.01	$937	$37,470	1.5	$59,023	$1,476	$17,707	$443	91,430	34%	$12.56	$653	1.4
$21.08	$1,096	$43,840	1.8	$64,500	$1,613	$19,350	$484	17,120	36%	$14.77	$768	1.4
$23.02	$1,197	$47,880	1.9	$76,600	$1,915	$22,980	$575	24,865	34%	$14.93	$777	1.5
$22.63	$1,177	$47,080	1.9	$81,000	$2,025	$24,300	$608	15,134	43%	$13.20	$687	1.7
$22.62	$1,176	$47,040	1.9	$72,200	$1,805	$21,660	$542	62,345	41%	$13.43	$698	1.7
$20.58	$1,070	$42,800	1.7	$57,800	$1,445	$17,340	$434	11,957	33%	$11.73	$610	1.8
$20.06	$1,043	$41,720	1.7	$65,100	$1,628	$19,530	$488	32,301	37%	$13.43	$698	1.5
$28.75	$1,495	$59,800	2.4	$92,100	$2,303	$27,630	$691	293,517	39%	$19.51	$1,014	1.5
$19.25	$1,001	$40,040	1.6	$70,600	$1,765	$21,180	$530	57,643	39%	$13.39	$696	1.4
$15.19	$790	$31,600	1.3	$58,100	$1,453	$17,430	$436	2,077	30%	$11.67	$607	1.3
$22.63	$1,177	$47,080	1.9	$81,000	$2,025	$24,300	$608	15,134	43%	$13.20	$687	1.7
$28.75	$1,495	$59,800	2.2	$92,100	$2,303	$27,630	$691	45,810	29%	$16.71	$869	1.7
$19.42	$1,010	$40,400	1.6	$70,600	$1,765	$21,180	$530	6,092	38%	$12.79	$665	1.5
$28.75	$1,495	$59,800	2.4	$92,100	$2,303	$27,630	$691	4,983	26%	$10.68	$555	2.7
$16.83	$875	$35,000	1.5	$53,400	$1,335	$16,020	$401	9,379	35%	$12.32	$641	1.4
$17.62	$916	$36,640	1.5	$60,500	$1,513	$18,150	$454	2,735	29%	$15.91	$827	1.1
$19.69	$1,024	$40,960	1.7	$59,200	$1,480	$17,760	$444	3,147	30%	$11.32	$589	1.7
$23.02	$1,197	$47,880	1.9	$76,600	$1,915	$22,980	$575	24,865	34%	$14.93	$777	1.5
$20.63	$1,073	$42,920	1.8	$59,600	$1,490	$17,880	$447	14,272	32%	$13.52	$703	1.5
$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.

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.

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 more than 30% of income on housing — a household must earn $3,333 monthly or $39,992 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT PENNSYLVANIA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.90
2-Bedroom Housing Wage		$19.23
Number of Renter Households		1,557,665
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Pike County	$24.88
Philadelphia-Camden-Wilmington MSA	$23.58
East Stroudsburg MSA	$20.19
Allentown-Bethlehem-Easton HMFA	$19.73
Lancaster County	$19.63

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

106

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.7

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$19.23

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1000 $811

$827 $620 $377 $242
$1000 $1500 $2000 $2500

PA-204

Pennsylvania Combined Nonmetro Areas

Metropolitan Areas Allentown-Bethlehem-Easton HMFA Altoona MSA Armstrong County HMFA Chambersburg-Waynesboro MSA Columbia County HMFA East Stroudsburg MSA Erie MSA Gettysburg MSA Harrisburg-Carlisle MSA Johnstown MSA Lancaster MSA Lebanon MSA Montour County HMFA Philadelphia-Camden-Wilmington MSA Pike County HMFA Pittsburgh HMFA Reading MSA Scranton-Wilkes-Barre MSA

† Wage data not available (See Appendix B).

$19.23	$1,000	$39,992	2.7	$82,696	$2,067	$24,809	$620	1,557,665	31%	$15.90	$827	1.2
$14.18	$738	$29,500	2.0	$64,508	$1,613	$19,352	$484	149,438	25%	$11.37	$591	1.2
$19.73	$1,026	$41,040	2.7	$78,200	$1,955	$23,460	$587	86,615	31%	$14.88	$774	1.3
$14.81	$770	$30,800	2.0	$60,000	$1,500	$18,000	$450	15,404	30%	$11.14	$579	1.3
$14.29	$743	$29,720	2.0	$64,700	$1,618	$19,410	$485	6,646	24%	$11.59	$603	1.2
$16.71	$869	$34,760	2.3	$78,300	$1,958	$23,490	$587	18,051	30%	$13.86	$721	1.2
$15.21	$791	$31,640	2.1	$65,800	$1,645	$19,740	$494	8,120	31%	$11.05	$574	1.4
$20.19	$1,050	$42,000	2.8	$79,100	$1,978	$23,730	$593	12,652	22%	$12.05	$627	1.7
$14.90	$775	$31,000	2.1	$71,500	$1,788	$21,450	$536	37,637	34%	$11.61	$604	1.3
$17.52	$911	$36,440	2.4	$85,800	$2,145	$25,740	$644	8,928	23%	$10.46	$544	1.7
$18.33	$953	$38,120	2.5	$85,000	$2,125	$25,500	$638	74,017	32%	$16.08	$836	1.1
$13.73	$714	$28,560	1.9	$62,700	$1,568	$18,810	$470	14,780	26%	$9.87	$513	1.4
$19.63	$1,021	$40,840	2.7	$79,500	$1,988	$23,850	$596	63,913	32%	$14.16	$737	1.4
$16.62	$864	$34,560	2.3	$77,000	$1,925	$23,100	$578	16,080	30%	$12.93	$672	1.3
$15.77	$820	$32,800	2.2	$76,300	$1,908	$22,890	$572	2,338	31%	$18.09	$941	0.9
$23.58	$1,226	$49,040	3.3	$96,600	$2,415	$28,980	$725	534,537	35%	$19.80	$1,030	1.2
$24.88	$1,294	$51,760	3.4	$79,100	$1,978	$23,730	$593	3,698	17%	$8.04	$418	3.1
$17.12	$890	$35,600	2.4	$83,000	$2,075	$24,900	$623	296,169	30%	$15.64	$813	1.1
$17.83	$927	$37,080	2.5	$78,600	$1,965	$23,580	$590	43,752	28%	$13.50	$702	1.3
$15.44	$803	$32,120	2.1	$71,700	$1,793	$21,510	$538	72,964	32%	$12.17	$633	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.

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.

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.

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).

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

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 than 30% of income on housing — a household must earn $1,623 monthly or $19,473 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT PUERTO RICO:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$7.73
2-Bedroom Housing Wage		$9.36
Number of Renter Households		384,670
Percent Renters		32%

MOST EXPENSIVE AREAS	HOUSING WAGE
San Juan-Guaynabo HMFA	$10.21
Fajardo HMFA	$9.67
Caguas HMFA	$9.33
Mayagüez MSA	$9.08
Ponce HMFA	$8.50

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$9.36

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.1

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$419
$402 $189 $377 $235

$200 $400 $600 $800

PR-209

Puerto Rico Combined Nonmetro Areas

Metropolitan Areas Aguadilla-Isabela HMFA Arecibo HMFA Barranquitas-Aibonito HMFA Caguas HMFA Fajardo HMFA Guayama MSA Mayagüez MSA Ponce HMFA Quebradillas Municipio HMFA San German MSA San Juan-Guaynabo HMFA Utuado Municipio HMFA Yauco HMFA

Counties

Adjuntas Municipio Aguada Municipio Aguadilla Municipio Aguas Buenas Municipio

Aibonito Municipio

Wage data not available (See Appendix B).
Wage data not available (See Appendix B).

$9.36	$487	$19,473	1.3	$25,255	$631	$7,576	$189	384,670	32%	$7.73	$402	1.2
$7.87	$409	$16,360	1.1	$20,300	$508	$6,090	$152	13,929	28%	$7.85	$408	1.0
$8.15	$424	$16,960	1.1	$21,500	$538	$6,450	$161	35,140	35%	$6.91	$360	1.2
$8.46	$440	$17,600	1.2	$21,900	$548	$6,570	$164	17,278	30%	$6.11	$318	1.4
$7.87	$409	$16,360	1.1	$19,700	$493	$5,910	$148	9,398	28%	$6.51	$338	1.2
$9.33	$485	$19,400	1.3	$25,700	$643	$7,710	$193	31,053	29%	$8.20	$426	1.1
$9.67	$503	$20,120	1.3	$26,000	$650	$7,800	$195	7,381	32%	$7.26	$377	1.3
$8.10	$421	$16,840	1.1	$18,800	$470	$5,640	$141	7,407	28%	$8.57	$446	0.9
$9.08	$472	$18,880	1.3	$22,700	$568	$6,810	$170	14,073	39%	$4.54	$236	2.0
$8.50	$442	$17,680	1.2	$20,500	$513	$6,150	$154	24,929	33%	$6.04	$314	1.4
$8.10	$421	$16,840	1.1	$20,300	$508	$6,090	$152	2,889	35%	$4.82	$250	1.7
$8.02	$417	$16,680	1.1	$18,200	$455	$5,460	$137	14,635	34%	$5.62	$292	1.4
$10.21	$531	$21,240	1.4	$28,800	$720	$8,640	$216	195,193	32%	$8.33	$433	1.2
$8.19	$426	$17,040	1.1	$21,100	$528	$6,330	$158	3,592	36%	$4.62	$240	1.8
$7.87	$409	$16,360	1.1	$18,800	$470	$5,640	$141	7,773	26%	$5.21	$271	1.5
$7.87	$409	$16,360	1.1	$20,300	$508	$6,090	$152	2,670	46%	$5.38	$280	1.5
$8.15	$424	$16,960	1.1	$21,500	$538	$6,450	$161	3,281	26%	$4.46	$232	1.8
$8.15	$424	$16,960	1.1	$21,500	$538	$6,450	$161	8,703	40%	$7.36	$383	1.1
$10.21	$531	$21,240	1.4	$28,800	$720	$8,640	$216	2,804	33%	$5.44	$283	1.9
$7.87	$409	$16,360	1.1	$19,700	$493	$5,910	$148	1,722	21%	$8.11	$422	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.

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.

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.

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

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

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 more than 30% of income on housing — a household must earn $3,669 monthly or $44,023 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT RHODE ISLAND:

STATE FACTS
Minimum Wage		$10.50
Average Renter Wage		$14.21
2-Bedroom Housing Wage		$21.16
Number of Renter Households		163,320
Percent Renters		40%

MOST EXPENSIVE AREAS	HOUSING WAGE
Newport-Middleton-Portsmouth HMFA	$27.29
Westerly-Hopkinton-New Shoreham HMFA	$22.19
Providence-Fall River HMFA	$20.67

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom

Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$21.16

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1101 $911

$2199 $739 $660 $546

$247

$500 $1000 $1500 $2000 $2500

RI-214

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

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

900 $2,523 $30,270 $757
184 45% $14.19 $738 1.9 Providence-Fall River HMFA $20.67

$1,075 $43,000 2.0

000 $2,175 $26,100 $653
980 40% $14.32 $745 1.4 Westerly-Hopkinton-New Shoreham HMFA $22.19

$1,154 $46,160 2.1

200 $2,280 $27,360 $684
156 31% $10.90 $567 2.0

1: BR = Bedroom

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

SOUTH CAROLINA #31*

FACTS ABOUT SOUTH CAROLINA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$13.52
2-Bedroom Housing Wage		$17.30
Number of Renter Households		589,362
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Charleston-North Charleston MSA	$22.67
York County	$20.44
Beaufort County	$19.77
Myrtle Beach-North Myrtle Beach-Conway HMFA	$19.17
Columbia HMFA	$17.90

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$17.30

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$900 $771

$703 $510 $377 $235
$1000 $1500 $2000

SC-217

South Carolina Combined Nonmetro Areas

Metropolitan Areas Anderson HMFA Augusta-Richmond County HMFA Beaufort County HMFA Charleston-North Charleston MSA Charlotte-Concord-Gastonia HMFA Chester County HMFA Columbia HMFA Darlington County HMFA Florence HMFA Greenville-Mauldin-Easley HMFA Jasper County HMFA Kershaw County HMFA Lancaster County HMFA Laurens County HMFA Myrtle Beach-North Myrtle Beach-Conway HMFA Spartanburg HMFA Sumter MSA Union County HMFA

† Wage data not available (See Appendix B).

$17.30	$900	$35,984	2.4	$67,964	$1,699	$20,389	$510	589,362	31%	$13.52	$703	1.3
$12.83	$667	$26,685	1.8	$51,932	$1,298	$15,580	$389	82,758	29%	$11.64	$605	1.1
$14.73	$766	$30,640	2.0	$65,200	$1,630	$19,560	$489	22,851	30%	$10.99	$572	1.3
$16.31	$848	$33,920	2.2	$65,900	$1,648	$19,770	$494	21,356	28%	$14.21	$739	1.1
$19.77	$1,028	$41,120	2.7	$81,500	$2,038	$24,450	$611	20,049	28%	$12.13	$631	1.6
$22.67	$1,179	$47,160	3.1	$81,000	$2,025	$24,300	$608	97,591	34%	$15.83	$823	1.4
$20.44	$1,063	$42,520	2.8	$83,500	$2,088	$25,050	$626	27,936	28%	$13.17	$685	1.6
$13.29	$691	$27,640	1.8	$54,100	$1,353	$16,230	$406	3,077	25%	$10.04	$522	1.3
$17.90	$931	$37,240	2.5	$72,600	$1,815	$21,780	$545	96,258	34%	$13.69	$712	1.3
$13.31	$692	$27,680	1.8	$52,300	$1,308	$15,690	$392	8,058	30%	$14.56	$757	0.9
$15.10	$785	$31,400	2.1	$56,100	$1,403	$16,830	$421	17,986	35%	$12.20	$634	1.2
$16.19	$842	$33,680	2.2	$74,900	$1,873	$22,470	$562	78,777	33%	$14.36	$747	1.1
$15.96	$830	$33,200	2.2	$46,000	$1,150	$13,800	$345	3,146	32%	$13.92	$724	1.1
$13.83	$719	$28,760	1.9	$64,400	$1,610	$19,320	$483	4,429	18%	$11.97	$622	1.2
$15.38	$800	$32,000	2.1	$79,000	$1,975	$23,700	$593	7,116	22%	$12.91	$671	1.2
$14.44	$751	$30,040	2.0	$45,900	$1,148	$13,770	$344	7,509	30%	$15.41	$801	0.9
$19.17	$997	$39,880	2.6	$57,400	$1,435	$17,220	$431	37,547	29%	$11.22	$583	1.7
$15.29	$795	$31,800	2.1	$64,700	$1,618	$19,410	$485	34,849	30%	$13.63	$709	1.1
$15.25	$793	$31,720	2.1	$54,700	$1,368	$16,410	$410	14,529	35%	$12.46	$648	1.2
$13.27	$690	$27,600	1.8	$50,400	$1,260	$15,120	$378	3,540	31%	$11.22	$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.

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.

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).

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

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 more than 30% of income on housing — a household must earn $2,642 monthly or $31,701 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT SOUTH DAKOTA:

STATE FACTS
Minimum Wage		$9.30
Average Renter Wage		$12.52
2-Bedroom Housing Wage		$15.24
Number of Renter Households		108,929
Percent Renters		32%

MOST EXPENSIVE AREAS	HOUSING WAGE
Custer County	$17.27
Stanley County	$16.31
Haakon County	$16.25
Rapid City HMFA	$16.17
Sioux Falls MSA	$16.13

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.6

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage

Rent affordable to SSI recipient

$235

$0 $500 $1000 $1500 $2000

SD-221

$15.24

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.3

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$793 $621

$1901 $651 $570 $484

South Dakota Combined Nonmetro Areas

Metropolitan Areas Custer County HMFA Meade County HMFA Rapid City HMFA Sioux City HMFA Sioux Falls MSA

Counties

Aurora County Beadle County Bennett County Bon Homme County

Brookings County Brown County Brule County

Butte County Campbell County Charles Mix County Clark County Clay County Codington County

† Wage data not available (See Appendix B).

$15.24	$793	$31,701	1.6	$76,055	$1,901	$22,817	$570	108,929	32%	$12.52	$651	1.2
$14.48	$753	$30,123	1.6	$70,928	$1,773	$21,278	$532	56,925	32%	$11.60	$603	1.2
$17.27	$898	$35,920	1.9	$71,300	$1,783	$21,390	$535	692	18%	$7.97	$414	2.2
$14.98	$779	$31,160	1.6	$68,500	$1,713	$20,550	$514	2,856	26%	$12.18	$634	1.2
$16.17	$841	$33,640	1.7	$76,000	$1,900	$22,800	$570	13,591	31%	$11.24	$585	1.4
$15.44	$803	$32,120	1.7	$75,200	$1,880	$22,560	$564	1,893	29%	$17.38	$904	0.9
$16.13	$839	$33,560	1.7	$86,200	$2,155	$25,860	$647	32,972	33%	$13.69	$712	1.2
$13.73	$714	$28,560	1.5	$75,500	$1,888	$22,650	$566	290	25%	$12.13	$631	1.1
$13.73	$714	$28,560	1.5	$67,100	$1,678	$20,130	$503	2,569	33%	$12.37	$643	1.1
$13.73	$714	$28,560	1.5	$50,200	$1,255	$15,060	$377	361	37%	$10.13	$527	1.4
$13.73	$714	$28,560	1.5	$71,200	$1,780	$21,360	$534	648	26%	$10.80	$562	1.3
$15.52	$807	$32,280	1.7	$84,600	$2,115	$25,380	$635	5,220	41%	$11.25	$585	1.4
$14.58	$758	$30,320	1.6	$78,000	$1,950	$23,400	$585	5,511	34%	$11.60	$603	1.3
$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%
$15.71	$817	$32,680	1.7	$59,000	$1,475	$17,700	$443	1,040	25%	$9.06	$471	1.7
$13.73	$714	$28,560	1.5	$80,800	$2,020	$24,240	$606	78	12%	$14.42	$750	1.0
$13.73	$714	$28,560	1.5	$62,000	$1,550	$18,600	$465	938	30%	$9.79	$509	1.4
$14.27	$742	$29,680	1.5	$68,600	$1,715	$20,580	$515	345	22%	$11.05	$574	1.3
$15.38	$800	$32,000	1.7	$77,600	$1,940	$23,280	$582	2,554	49%	$8.06	$419	1.9
$14.79	$769	$30,760	1.6	$75,700	$1,893	$22,710	$568	4,077	34%	$11.82	$615	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.

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.

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.

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 than 30% of income on housing — a household must earn $2,963 monthly or $35,550 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT TENNESSEE:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.82
2-Bedroom Housing Wage		$17.09
Number of Renter Households		865,902
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Nashville-Davidson--Murfreesboro--Franklin HMFA	$21.85
Knoxville HMFA	$17.60
Maury County	$17.31
Memphis HMFA	$17.00
Clarksville MSA	$16.71

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$17.09

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$734
$823 $506 $377 $235
$1000 $1500 $2000

TN-225

Tennessee Combined Nonmetro Areas

Metropolitan Areas Campbell County HMFA Chattanooga MSA Clarksville MSA Cleveland MSA Crockett County HMFA Grainger County HMFA Hickman County HMFA Jackson HMFA Johnson City MSA Kingsport-Bristol-Bristol MSA Knoxville HMFA Macon County HMFA Maury County HMFA Memphis HMFA Morgan County HMFA Morristown MSA Nashville-Davidson--Murfreesboro--Franklin HMFA Roane County HMFA

$17.09	$889	$35,550	2.4	$67,463	$1,687	$20,239	$506	865,902	34%	$15.82	$823	1.1
$12.98	$675	$26,995	1.8	$52,687	$1,317	$15,806	$395	168,096	29%	$11.84	$616	1.1
$13.02	$677	$27,080	1.8	$46,800	$1,170	$14,040	$351	4,812	30%	$10.30	$536	1.3
$16.00	$832	$33,280	2.2	$72,600	$1,815	$21,780	$545	55,173	35%	$14.23	$740	1.1
$16.71	$869	$34,760	2.3	$68,900	$1,723	$20,670	$517	28,631	41%	$12.99	$675	1.3
$15.52	$807	$32,280	2.1	$61,400	$1,535	$18,420	$461	15,496	33%	$14.19	$738	1.1
$12.75	$663	$26,520	1.8	$53,700	$1,343	$16,110	$403	1,628	31%	$13.37	$695	1.0
$13.60	$707	$28,280	1.9	$52,700	$1,318	$15,810	$395	1,936	22%	$11.53	$600	1.2
$15.13	$787	$31,480	2.1	$50,200	$1,255	$15,060	$377	1,645	19%	$11.38	$592	1.3
$15.23	$792	$31,680	2.1	$59,600	$1,490	$17,880	$447	15,598	36%	$12.42	$646	1.2
$13.31	$692	$27,680	1.8	$57,500	$1,438	$17,250	$431	28,029	33%	$11.75	$611	1.1
$13.73	$714	$28,560	1.9	$59,100	$1,478	$17,730	$443	24,684	28%	$14.88	$774	0.9
$17.60	$915	$36,600	2.4	$73,900	$1,848	$22,170	$554	93,767	32%	$14.47	$752	1.2
$13.35	$694	$27,760	1.8	$44,600	$1,115	$13,380	$335	2,459	27%	$12.43	$646	1.1
$17.31	$900	$36,000	2.4	$70,800	$1,770	$21,240	$531	10,542	31%	$15.27	$794	1.1
$17.00	$884	$35,360	2.3	$67,900	$1,698	$20,370	$509	165,849	43%	$17.16	$892	1.0
$13.81	$718	$28,720	1.9	$52,000	$1,300	$15,600	$390	1,541	21%	$11.89	$618	1.2
$14.19	$738	$29,520	2.0	$55,400	$1,385	$16,620	$416	13,347	30%	$13.27	$690	1.1
$21.85	$1,136	$45,440	3.0	$82,300	$2,058	$24,690	$617	225,827	35%	$18.90	$983	1.2
$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.

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.

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.

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.

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

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

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 than 30% of income on housing — a household must earn $3,623 monthly or $43,478 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT TEXAS:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$19.56
2-Bedroom Housing Wage		$20.90
Number of Renter Households		3,635,275
Percent Renters		38%

MOST EXPENSIVE AREAS	HOUSING WAGE
Austin-Round Rock MSA	$26.08
Midland HMFA	$25.94
Dallas HMFA	$25.27
Kendall County	$23.54
Fort Worth-Arlington HMFA	$22.40

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

115

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.9

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

$20.90

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Two bedroom FMR

$1087

One bedroom FMR

$892

Rent affordable at area

$1890

median income (AMI) Rent affordable with full-time

$1017

job paying mean renter wage Rent affordable at 30% of AMI

$567

Rent affordable with full-time job

$377

paying minimum wage Rent affordable to SSI recipient

$500 $1000 $1500 $2000

TX-231

Texas Combined Nonmetro Areas

Metropolitan Areas Abilene MSA Amarillo HMFA Aransas County HMFA Atascosa County HMFA Austin County HMFA Austin-Round Rock MSA Beaumont-Port Arthur HMFA Brazoria County HMFA Brownsville-Harlingen MSA College Station-Bryan MSA Corpus Christi HMFA Dallas HMFA El Paso HMFA Falls County HMFA Fort Worth-Arlington HMFA Hood County HMFA Houston-The Woodlands-Sugar Land HMFA

† Wage data not available (See Appendix B).

$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
$14.73	$766	$30,647	2.0	$59,550	$1,489	$17,865	$447	303,207	29%	$14.72	$765	1.0
$16.60	$863	$34,520	2.3	$64,800	$1,620	$19,440	$486	22,874	38%	$15.37	$799	1.1
$16.77	$872	$34,880	2.3	$66,900	$1,673	$20,070	$502	34,767	36%	$15.63	$813	1.1
$16.17	$841	$33,640	2.2	$61,500	$1,538	$18,450	$461	2,088	22%	$12.62	$656	1.3
$16.25	$845	$33,800	2.2	$62,900	$1,573	$18,870	$472	3,804	25%	$20.70	$1,076	0.8
$18.48	$961	$38,440	2.5	$82,200	$2,055	$24,660	$617	2,614	24%	$11.20	$583	1.6
$26.08	$1,356	$54,240	3.6	$97,600	$2,440	$29,280	$732	311,077	42%	$21.53	$1,119	1.2
$16.48	$857	$34,280	2.3	$67,500	$1,688	$20,250	$506	48,106	33%	$18.41	$957	0.9
$20.48	$1,065	$42,600	2.8	$104,200	$2,605	$31,260	$782	33,460	28%	$19.51	$1,015	1.0
$14.62	$760	$30,400	2.0	$47,800	$1,195	$14,340	$359	41,075	33%	$9.14	$475	1.6
$18.04	$938	$37,520	2.5	$65,600	$1,640	$19,680	$492	45,478	49%	$12.86	$669	1.4
$19.21	$999	$39,960	2.6	$66,600	$1,665	$19,980	$500	61,872	41%	$16.71	$869	1.1
$25.27	$1,314	$52,560	3.5	$86,200	$2,155	$25,860	$647	711,964	42%	$23.29	$1,211	1.1
$15.90	$827	$33,080	2.2	$52,500	$1,313	$15,750	$394	102,506	39%	$11.92	$620	1.3
$13.73	$714	$28,560	1.9	$53,700	$1,343	$16,110	$403	1,373	26%	$7.71	$401	1.8
$22.40	$1,165	$46,600	3.1	$81,500	$2,038	$24,450	$611	300,752	38%	$17.90	$931	1.3
$20.63	$1,073	$42,920	2.8	$76,700	$1,918	$23,010	$575	5,150	23%	$13.21	$687	1.6
$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%
			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.

Kendall County HMFA Killeen-Temple HMFA Lampasas County HMFA Laredo MSA Longview HMFA Lubbock HMFA Lynn County HMFA Martin County HMFA McAllen-Edinburg-Mission MSA Medina County HMFA Midland HMFA Newton County HMFA Odessa MSA Oldham County HMFA Rusk County HMFA San Angelo MSA San Antonio-New Braunfels HMFA Sherman-Denison MSA Somervell County HMFA Texarkana HMFA Tyler MSA Victoria MSA

† Wage data not available (See Appendix B).

$23.54	$1,224	$48,960	3.2	$100,800	$2,520	$30,240	$756	3,839	27%	$14.73	$766	1.6
$15.10	$785	$31,400	2.1	$63,900	$1,598	$19,170	$479	64,335	45%	$16.95	$881	0.9
$14.69	$764	$30,560	2.0	$70,800	$1,770	$21,240	$531	1,889	24%	$11.88	$618	1.2
$16.58	$862	$34,480	2.3	$50,600	$1,265	$15,180	$380	27,642	38%	$9.93	$517	1.7
$17.65	$918	$36,720	2.4	$64,800	$1,620	$19,440	$486	21,600	36%	$15.61	$812	1.1
$16.50	$858	$34,320	2.3	$69,200	$1,730	$20,760	$519	50,827	44%	$12.93	$672	1.3
$13.73	$714	$28,560	1.9	$57,100	$1,428	$17,130	$428	666	31%	$14.33	$745	1.0
$13.73	$714	$28,560	1.9	$88,000	$2,200	$26,400	$660	376	23%	$20.59	$1,071	0.7
$14.29	$743	$29,720	2.0	$45,100	$1,128	$13,530	$338	74,912	32%	$9.76	$507	1.5
$15.65	$814	$32,560	2.2	$74,200	$1,855	$22,260	$557	3,121	20%	$13.18	$685	1.2
$25.94	$1,349	$53,960	3.6	$90,700	$2,268	$27,210	$680	18,619	33%	$29.02	$1,509	0.9
$13.73	$714	$28,560	1.9	$54,600	$1,365	$16,380	$410	675	14%	$10.37	$539	1.3
$22.38	$1,164	$46,560	3.1	$65,500	$1,638	$19,650	$491	17,855	34%	$23.07	$1,199	1.0
$18.96	$986	$39,440	2.6	$80,000	$2,000	$24,000	$600	119	23%	$21.20	$1,102	0.9
$15.73	$818	$32,720	2.2	$59,800	$1,495	$17,940	$449	4,193	23%	$13.60	$707	1.2
$18.52	$963	$38,520	2.6	$72,400	$1,810	$21,720	$543	16,305	37%	$14.48	$753	1.3
$20.21	$1,051	$42,040	2.8	$72,000	$1,800	$21,600	$540	289,171	38%	$16.10	$837	1.3
$17.60	$915	$36,600	2.4	$76,000	$1,900	$22,800	$570	15,626	33%	$14.98	$779	1.2
$16.90	$879	$35,160	2.3	$62,700	$1,568	$18,810	$470	901	28%	$24.57	$1,278	0.7
$15.23	$792	$31,680	2.1	$69,800	$1,745	$20,940	$524	12,206	36%	$12.06	$627	1.3
$17.75	$923	$36,920	2.4	$65,600	$1,640	$19,680	$492	26,351	34%	$15.40	$801	1.2
$19.27	$1,002	$40,080	2.7	$68,800	$1,720	$20,640	$516	11,535	33%	$14.67	$763	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.

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.

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.

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.

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.

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.

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.

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.

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.

San Jacinto County $13.73

$28,560 1.9
600 $1,490 $17,880 $447
692 18% $10.75 $559 1.3 San Patricio County $19.21
$39,960 2.6
600 $1,665 $19,980 $500
518 33% $17.48 $909 1.1 San Saba County $13.73
$28,560 1.9
200 $1,380 $16,560 $414
33% $16.69 $868 0.8 Schleicher County $14.25
$29,640 2.0
600 $1,915 $22,980 $575
21% $19.01 $988 0.7 Scurry County $16.08
$33,440 2.2
900 $1,823 $21,870 $547
385 24% $22.93 $1,192 0.7 Shackelford County $13.73
$28,560 1.9
500 $1,513 $18,150 $454
19% $28.56 $1,485 0.5 Shelby County $13.73
$28,560 1.9
000 $1,250 $15,000 $375
420 26% $9.68 $503 1.4 Sherman County $13.73
$28,560 1.9
300 $1,658 $19,890 $497
24% $12.21 $635 1.1 Smith County $17.75
$36,920 2.4
600 $1,640 $19,680 $492
351 34% $15.40 $801 1.2 Somervell County $16.90
$35,160 2.3
700 $1,568 $18,810 $470
28% $24.57 $1,278 0.7 Starr County $13.73
$28,560 1.9
500 $813 $9,750 $244
229 26% $6.81 $354 2.0 $13.73

$714 $28,560 1.9

200 $1,455 $17,460 $437
19% Sterling County $14.25
$29,640 2.0
000 $1,800 $21,600 $540
14% $24.32 $1,264 0.6 Stonewall County $14.25
$29,640 2.0
300 $1,883 $22,590 $565
24% $9.72 $506 1.5 Sutton County $13.73
$28,560 1.9
700 $1,643 $19,710 $493
33% $32.22 $1,675 0.4 Swisher County $13.73
$28,560 1.9
600 $1,240 $14,880 $372
29% $11.55 $600 1.2 Tarrant County $22.40
165 $46,600 3.1
500 $2,038 $24,450 $611
285 40% $18.20 $946 1.2 Taylor County $16.60
$34,520 2.3
800 $1,620 $19,440 $486
465 41% $15.36 $798 1.1 $15.67

$815 $32,600 2.2

900 $1,473 $17,670 $442
16% Terry County $13.73
$28,560 1.9
200 $1,255 $15,060 $377
264 31% $16.27 $846 0.8 Throckmorton County $13.73
$28,560 1.9
800 $1,545 $18,540 $464
29% $8.14 $424 1.7 Titus County $13.73
$28,560 1.9
100 $1,353 $16,230 $406
610 34% $12.19 $634 1.1 Tom Green County $18.52
$38,520 2.6
400 $1,810 $21,720 $543
170 37% $14.21 $739 1.3 Travis County $26.08
356 $54,240 3.6
600 $2,440 $29,280 $732
276 48% $23.51 $1,223 1.1 Trinity County $15.50
$32,240 2.1
500 $1,138 $13,650 $341
228 21% $11.21 $583 1.4 Tyler County $13.73
$28,560 1.9
800 $1,595 $19,140 $479 1,030 15% $8.06 $419 1.7

† Wage data not available (See Appendix B).

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

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.

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 than 30% of income on housing — a household must earn $3,438 monthly or $41,251 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT UTAH:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$14.94
2-Bedroom Housing Wage		$19.83
Number of Renter Households		288,634
Percent Renters		30%

MOST EXPENSIVE AREAS	HOUSING WAGE
Summit County	$24.15
Salt Lake City HMFA	$22.62
Wasatch County	$21.15
Ogden-Clearfield HMFA	$19.69
St. George MSA	$18.44

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

109

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.7

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$19.83

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.2

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1031 $845

$777 $620 $377 $235
$1000 $1500 $2000 $2500

UT-244

Utah Combined Nonmetro Areas

Metropolitan Areas Box Elder County HMFA Logan MSA Ogden-Clearfield HMFA Provo-Orem MSA Salt Lake City HMFA St. George MSA Tooele County HMFA

Counties Beaver County Box Elder County Cache County Carbon County Daggett County Davis County Duchesne County Emery County Garfield County Grand County Iron County Juab County

$19.83	$1,031	$41,251	2.7	$82,685	$2,067	$24,805	$620	288,634	30%	$14.94	$777	1.3
$16.39	$852	$34,099	2.3	$74,501	$1,863	$22,350	$559	27,944	26%	$12.67	$659	1.3
$15.31	$796	$31,840	2.1	$69,200	$1,730	$20,760	$519	4,078	24%	$12.62	$656	1.2
$13.77	$716	$28,640	1.9	$71,000	$1,775	$21,300	$533	14,074	37%	$10.02	$521	1.4
$19.69	$1,024	$40,960	2.7	$86,300	$2,158	$25,890	$647	46,226	25%	$12.40	$645	1.6
$17.81	$926	$37,040	2.5	$80,400	$2,010	$24,120	$603	52,732	32%	$14.25	$741	1.2
$22.62	$1,176	$47,040	3.1	$87,900	$2,198	$26,370	$659	122,970	33%	$17.10	$889	1.3
$18.44	$959	$38,360	2.5	$70,700	$1,768	$21,210	$530	16,577	30%	$12.93	$672	1.4
$18.31	$952	$38,080	2.5	$80,800	$2,020	$24,240	$606	4,033	20%	$10.59	$551	1.7
$13.73	$714	$28,560	1.9	$67,000	$1,675	$20,100	$503	591	26%	$12.18	$633	1.1
$15.31	$796	$31,840	2.1	$69,200	$1,730	$20,760	$519	4,078	24%	$12.62	$656	1.2
$13.77	$716	$28,640	1.9	$71,000	$1,775	$21,300	$533	14,074	37%	$10.02	$521	1.4
$13.73	$714	$28,560	1.9	$63,700	$1,593	$19,110	$478	2,125	27%	$12.16	$632	1.1
$15.08	$784	$31,360	2.1	$88,600	$2,215	$26,580	$665	16	11%	$10.91	$567	1.4
$19.69	$1,024	$40,960	2.7	$86,300	$2,158	$25,890	$647	23,043	22%	$13.08	$680	1.5
$16.00	$832	$33,280	2.2	$73,700	$1,843	$22,110	$553	1,685	25%	$15.74	$818	1.0
$13.73	$714	$28,560	1.9	$69,100	$1,728	$20,730	$518	761	21%	$13.90	$723	1.0
$13.73	$714	$28,560	1.9	$67,300	$1,683	$20,190	$505	373	21%	$9.58	$498	1.4
$15.12	$786	$31,440	2.1	$62,600	$1,565	$18,780	$470	1,413	35%	$12.17	$633	1.2
$13.73	$714	$28,560	1.9	$59,700	$1,493	$17,910	$448	5,784	36%	$10.20	$531	1.3
$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.

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

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

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 than 30% of income on housing — a household must earn $4,050 monthly or $48,597 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT VERMONT:

STATE FACTS
Minimum Wage		$10.96
Average Renter Wage		$13.81
2-Bedroom Housing Wage		$23.36
Number of Renter Households		76,019
Percent Renters		29%

MOST EXPENSIVE AREAS	HOUSING WAGE
Burlington-South Burlington MSA	$30.25
Washington County	$20.96
Addison County	$20.40
Lamoille County	$20.04
Windham County	$19.69

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.1

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient $0

$23.36

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1215 $969

$1968 $718 $591 $570

$1000 $1500 $2000

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

Vermont Combined Nonmetro Areas

Metropolitan Areas Burlington-South Burlington MSA

Counties Addison County Bennington County

Caledonia County Essex County Lamoille County Orange County Orleans County Rutland County Washington County Windham County Windsor County

$23.36 $19.00	$1,215 $988	$48,597 $39,527	2.1 1.7	$78,736 $73,213	$1,968 $1,830	$23,621 $21,964	$591 $549	76,019 46,544	29% 27%	$13.81 $12.70	$718 $660	1.7 1.5
$30.25	$1,573	$62,920	2.8	$89,700	$2,243	$26,910	$673	29,475	34%	$15.44	$803	2.0
$20.40 $17.98 $16.85 $14.65 $20.04 $19.02 $15.02 $18.12 $20.96 $19.69 $19.58	$1,061 $935 $876 $762 $1,042 $989 $781 $942 $1,090 $1,024 $1,018	$42,440 $37,400 $35,040 $30,480 $41,680 $39,560 $31,240 $37,680 $43,600 $40,960 $40,720	1.9 1.6 1.5 1.3 1.8 1.7 1.4 1.7 1.9 1.8 1.8	$80,700 $69,900 $66,600 $51,500 $71,800 $74,400 $59,800 $71,500 $80,300 $70,900 $79,300	$2,018 $1,748 $1,665 $1,288 $1,795 $1,860 $1,495 $1,788 $2,008 $1,773 $1,983	$24,210 $20,970 $19,980 $15,450 $21,540 $22,320 $17,940 $21,450 $24,090 $21,270 $23,790	$605 $524 $500 $386 $539 $558 $449 $536 $602 $532 $595	3,819 3,979 3,397 547 2,915 2,345 2,682 6,914 7,261 6,158 6,527	26% 27% 28% 20% 27% 19% 23% 27% 29% 32% 27%	$15.92 $13.00 $12.15 $11.52 $10.41 $12.04 $11.66 $11.65 $14.05 $12.64 $11.96	$828 $676 $632 $599 $541 $626 $606 $606 $731 $658 $622	1.3 1.4 1.4 1.3 1.9 1.6 1.3 1.6 1.5 1.6 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.

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 than 30% of income on housing — a household must earn $4,097 monthly or $49,167 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT VIRGINIA:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$18.67
2-Bedroom Housing Wage		$23.64
Number of Renter Households		1,057,536
Percent Renters		34%

MOST EXPENSIVE AREAS	HOUSING WAGE
Washington-Arlington-Alexandria HMFA	$32.83
Charlottesville HMFA	$24.27
Virginia Beach-Norfolk-Newport News HMFA	$21.85
King George County	$21.38
Rappahannock County	$21.00

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

130

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

3.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying mean renter wage Rent affordable at 30% of AMI

Rent affordable with full-time job paying minimum wage

$377

Rent affordable to SSI recipient

$500 $1000 $1500 $2000 $2500

VA-250

$23.64

PER HOUR

STATE HOUSING WAGE

112

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

2.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1229 $1052

$2332 $971 $700

Virginia Combined Nonmetro Areas

Metropolitan Areas Blacksburg-Christiansburg-Radford HMFA Buckingham County HMFA Charlottesville HMFA Culpeper County HMFA Floyd County HMFA Franklin County HMFA Giles County HMFA Harrisonburg MSA Kingsport-Bristol-Bristol MSA Lynchburg MSA Pulaski County HMFA Rappahannock County HMFA Richmond MSA Roanoke HMFA Staunton-Waynesboro MSA Virginia Beach-Norfolk-Newport News HMFA Warren County HMFA Washington-Arlington-Alexandria HMFA

$23.64	$1,229	$49,167	3.3	$93,280	$2,332	$27,984	$700	1,057,536	34%	$18.67	$971	1.3
$14.94	$777	$31,085	2.1	$59,668	$1,492	$17,900	$448	117,136	28%	$11.70	$608	1.3
$19.10	$993	$39,720	2.6	$87,800	$2,195	$26,340	$659	18,715	46%	$10.49	$545	1.8
$14.40	$749	$29,960	2.0	$61,700	$1,543	$18,510	$463	1,442	25%	$11.85	$616	1.2
$24.27	$1,262	$50,480	3.3	$93,900	$2,348	$28,170	$704	30,492	37%	$16.33	$849	1.5
$19.46	$1,012	$40,480	2.7	$85,200	$2,130	$25,560	$639	4,364	26%	$12.25	$637	1.6
$13.73	$714	$28,560	1.9	$61,600	$1,540	$18,480	$462	1,154	18%	$10.02	$521	1.4
$13.79	$717	$28,680	1.9	$67,200	$1,680	$20,160	$504	4,657	20%	$8.86	$461	1.6
$14.10	$733	$29,320	1.9	$61,000	$1,525	$18,300	$458	1,624	23%	$17.12	$890	0.8
$17.35	$902	$36,080	2.4	$71,900	$1,798	$21,570	$539	18,484	39%	$13.45	$700	1.3
$13.73	$714	$28,560	1.9	$59,100	$1,478	$17,730	$443	10,506	27%	$10.91	$567	1.3
$15.79	$821	$32,840	2.2	$72,400	$1,810	$21,720	$543	29,593	29%	$14.28	$742	1.1
$13.87	$721	$28,840	1.9	$60,500	$1,513	$18,150	$454	4,018	28%	$13.20	$687	1.1
$21.00	$1,092	$43,680	2.9	$88,700	$2,218	$26,610	$665	780	26%	$9.21	$479	2.3
$20.40	$1,061	$42,440	2.8	$89,400	$2,235	$26,820	$671	166,759	34%	$17.68	$920	1.2
$16.23	$844	$33,760	2.2	$76,700	$1,918	$23,010	$575	36,098	34%	$15.05	$783	1.1
$17.29	$899	$35,960	2.4	$71,400	$1,785	$21,420	$536	14,518	30%	$13.82	$719	1.3
$21.85	$1,136	$45,440	3.0	$82,500	$2,063	$24,750	$619	245,769	39%	$15.18	$789	1.4
$19.56	$1,017	$40,680	2.7	$81,400	$2,035	$24,420	$611	3,307	23%	$11.08	$576	1.8
$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.

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.

Culpeper County $19.46

012 $40,480 2.7
200 $2,130 $25,560 $639

4,364 26% $12.25 $637 1.6 Cumberland County $19.17

$39,880 2.6
200 $1,580 $18,960 $474

1,071 27% $12.35 $642 1.6 Dickenson County $13.73

$28,560 1.9
600 $1,065 $12,780 $320

1,385 24% $12.76 $663 1.1 Dinwiddie County $20.40

061 $42,440 2.8
400 $2,235 $26,820 $671

2,491 24% $13.56 $705 1.5 Essex County $18.31

$38,080 2.5
600 $1,590 $19,080 $477

1,355 30% $11.12 $578 1.6 Fairfax County $32.83

707 $68,280 4.5
000 $3,150 $37,800 $945

126,101 32% $28.66 $1,490 1.1 Fauquier County $32.83

707 $68,280 4.5
000 $3,150 $37,800 $945

5,316 22% $13.67 $711 2.4 Floyd County $13.73

$28,560 1.9
600 $1,540 $18,480 $462

1,154 18% $10.02 $521 1.4 Fluvanna County $24.27

262 $50,480 3.3
900 $2,348 $28,170 $704

1,586 16% $11.81 $614 2.1 Franklin County $13.79

$28,680 1.9
200 $1,680 $20,160 $504

4,657 20% $8.86 $461 1.6 Frederick County $19.75

027 $41,080 2.7
400 $2,085 $25,020 $626

6,908 22% $15.48 $805 1.3 Giles County $14.10

$29,320 1.9
000 $1,525 $18,300 $458

1,624 23% $17.12 $890 0.8 Gloucester County $21.85

136 $45,440 3.0
500 $2,063 $24,750 $619

3,498 24% $9.81 $510 2.2 Goochland County $20.40

061 $42,440 2.8
400 $2,235 $26,820 $671

1,269 15% $27.47 $1,429 0.7 Grayson County $13.73

$28,560 1.9
900 $1,198 $14,370 $359

1,358 21% $9.25 $481 1.5 Greene County $24.27

262 $50,480 3.3
900 $2,348 $28,170 $704

1,459 20% $11.66 $606 2.1 Greensville County $15.77

$32,800 2.2
400 $1,260 $15,120 $378

990 27% $13.72 $714 1.1 Halifax County $13.73

$28,560 1.9
900 $1,473 $17,670 $442

3,549 25% $11.34 $589 1.2 Hanover County $20.40

061 $42,440 2.8
400 $2,235 $26,820 $671

7,086 18% $12.87 $669 1.6 Henrico County $20.40

061 $42,440 2.8
400 $2,235 $26,820 $671

47,408 37% $18.50 $962 1.1 Henry County $13.73

$28,560 1.9
300 $1,308 $15,690 $392

5,969 28% $10.95 $569 1.3 Highland County $13.73

$28,560 1.9
000 $1,600 $19,200 $480

203 18% $10.58 $550 1.3 Isle of Wight County $21.85

136 $45,440 3.0
500 $2,063 $24,750 $619

3,612 25% $11.82 $615 1.8 James City County $21.85

136 $45,440 3.0
500 $2,063 $24,750 $619

7,332 25% $10.50 $546 2.1 King and Queen County $17.02

$35,400 2.3
600 $1,515 $18,180 $455

464 16% $15.28 $795 1.1 King George County $21.38

112 $44,480 2.9
800 $2,495 $29,940 $749 2,089 23% $16.11 $838 1.3
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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.

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.

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.

Staunton city Suffolk city Virginia Beach city Waynesboro city Williamsburg city Winchester city $17.29 $21.85 $21.85 $17.29 $21.85 $19.75

$1,136 $1,136
$1,136 $1,027 $35,960 $45,440 $45,440 $35,960 $45,440 $41,080
4
400 $1,785 $21,420 $536
546 43% $12.06 $627 1.4
0
500 $2,063 $24,750 $619
197 31% $11.75 $611 1.9
0
500 $2,063 $24,750 $619
804 36% $14.97 $778 1.5
4
400 $1,785 $21,420 $536
785 41% $11.89 $618 1.5
0
500 $2,063 $24,750 $619
369 51% $12.02 $625 1.8
7
400 $2,085 $25,020 $626
604 53% $17.14 $892 1.2
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 more than 30% of income on housing — a household must earn $5,279 monthly or $63,352 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT WASHINGTON:

STATE FACTS
Minimum Wage		$13.50
Average Renter Wage		$21.90
2-Bedroom Housing Wage		$30.46
Number of Renter Households		1,043,871
Percent Renters		37%

MOST EXPENSIVE AREAS	HOUSING WAGE
Seattle-Bellevue HMFA	$40.37
Portland-Vancouver-Hillsboro MSA	$28.75
Tacoma HMFA	$27.08
Bremerton-Silverdale MSA	$24.92
San Juan County	$23.69

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.3

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time

job paying mean renter wage

Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$247

$30.46

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.8

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$1584 $1286 $2337

$701 $702
$1500 $2000 $2500

WA-258

$0 $500

Washington Combined Nonmetro Areas

Metropolitan Areas Bellingham MSA Bremerton-Silverdale MSA Columbia County HMFA Kennewick-Richland MSA Lewiston MSA Longview MSA Mount Vernon-Anacortes MSA Olympia-Tumwater MSA Pend Oreille County HMFA Portland-Vancouver-Hillsboro MSA Seattle-Bellevue HMFA Spokane HMFA * Stevens County HMFA Tacoma HMFA Walla Walla County HMFA Wenatchee MSA Yakima MSA

† Wage data not available (See Appendix B).

$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
$18.34	$954	$38,152	1.4	$67,870	$1,697	$20,361	$509	95,114	33%	$12.31	$640	1.5
$22.60	$1,175	$47,000	1.7	$86,300	$2,158	$25,890	$647	32,293	38%	$13.89	$722	1.6
$24.92	$1,296	$51,840	1.8	$91,700	$2,293	$27,510	$688	33,968	33%	$13.48	$701	1.8
$19.25	$1,001	$40,040	1.4	$66,300	$1,658	$19,890	$497	549	31%	$14.16	$737	1.4
$20.94	$1,089	$43,560	1.6	$77,500	$1,938	$23,250	$581	30,705	32%	$15.18	$789	1.4
$16.69	$868	$34,720	1.2	$73,900	$1,848	$22,170	$554	2,722	30%	$12.89	$670	1.3
$18.90	$983	$39,320	1.4	$69,200	$1,730	$20,760	$519	14,059	34%	$15.06	$783	1.3
$23.23	$1,208	$48,320	1.7	$78,400	$1,960	$23,520	$588	15,559	32%	$15.47	$804	1.5
$22.52	$1,171	$46,840	1.7	$86,700	$2,168	$26,010	$650	39,279	36%	$15.69	$816	1.4
$16.00	$832	$33,280	1.2	$60,700	$1,518	$18,210	$455	1,239	21%	$14.55	$756	1.1
$28.75	$1,495	$59,800	2.1	$92,100	$2,303	$27,630	$691	58,780	33%	$16.71	$869	1.7
$40.37	$2,099	$83,960	3.0	$113,300	$2,833	$33,990	$850	467,385	40%	$28.43	$1,478	1.4
$17.50	$910	$36,400	1.3	$78,500	$1,963	$23,550	$589	74,150	37%	$14.49	$753	1.2
$14.06	$731	$29,240	1.0	$63,500	$1,588	$19,050	$476	3,914	22%	$10.11	$526	1.4
$27.08	$1,408	$56,320	2.0	$87,300	$2,183	$26,190	$655	121,809	38%	$16.29	$847	1.7
$20.06	$1,043	$41,720	1.5	$69,900	$1,748	$20,970	$524	7,904	35%	$12.95	$673	1.5
$20.27	$1,054	$42,160	1.5	$69,400	$1,735	$20,820	$521	14,143	33%	$12.99	$676	1.6
$19.48	$1,013	$40,520	1.4	$57,200	$1,430	$17,160	$429	30,299	37%	$13.05	$678	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.

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.

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).

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

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 more than 30% of income on housing — a household must earn $2,595 monthly or $31,135 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT WEST VIRGINIA:

STATE FACTS
Minimum Wage		$8.75
Average Renter Wage		$13.03
2-Bedroom Housing Wage		$14.97
Number of Renter Households		198,796
Percent Renters		27%

MOST EXPENSIVE AREAS	HOUSING WAGE
Winchester MSA	$19.75
Martinsburg HMFA	$18.29
Putnam County	$17.60
Jefferson County	$17.29
Morgantown MSA	$16.92

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

1.7

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

$14.97

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.4

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

Two bedroom FMR One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job paying minimum wage Rent affordable to SSI recipient $0	$778 $640 $678 $461 $455 $235 $500 $1000	$1538 $1500 $2000
		WV-262

West Virginia Combined Nonmetro Areas

Metropolitan Areas Boone County HMFA Charleston HMFA Cumberland MSA Fayette County HMFA Huntington-Ashland HMFA Jefferson County HMFA Lincoln County HMFA Martinsburg HMFA Morgantown MSA Parkersburg-Vienna MSA Putnam County HMFA Raleigh County HMFA Weirton-Steubenville MSA Wheeling MSA Winchester MSA

Counties Barbour County Berkeley County

$14.97	$778	$31,135	1.7	$61,519	$1,538	$18,456	$461	198,796	27%	$13.03	$678	1.1
$13.46	$700	$27,989	1.5	$56,055	$1,401	$16,816	$420	68,549	24%	$13.12	$682	1.0
$12.96	$674	$26,960	1.5	$50,300	$1,258	$15,090	$377	2,228	24%	$13.77	$716	0.9
$16.00	$832	$33,280	1.8	$55,700	$1,393	$16,710	$418	25,344	31%	$14.93	$776	1.1
$13.73	$714	$28,560	1.6	$61,900	$1,548	$18,570	$464	3,135	28%	$11.65	$606	1.2
$12.83	$667	$26,680	1.5	$50,600	$1,265	$15,180	$380	3,707	21%	$8.94	$465	1.4
$15.54	$808	$32,320	1.8	$59,100	$1,478	$17,730	$443	19,024	34%	$11.17	$581	1.4
$17.29	$899	$35,960	2.0	$94,700	$2,368	$28,410	$710	5,255	25%	$10.09	$525	1.7
$13.29	$691	$27,640	1.5	$48,700	$1,218	$14,610	$365	1,790	23%	$8.12	$422	1.6
$18.29	$951	$38,040	2.1	$74,300	$1,858	$22,290	$557	11,212	26%	$12.38	$644	1.5
$16.92	$880	$35,200	1.9	$73,900	$1,848	$22,170	$554	19,084	37%	$13.74	$714	1.2
$14.50	$754	$30,160	1.7	$64,300	$1,608	$19,290	$482	10,784	28%	$11.31	$588	1.3
$17.60	$915	$36,600	2.0	$77,100	$1,928	$23,130	$578	3,841	18%	$15.49	$806	1.1
$14.50	$754	$30,160	1.7	$54,300	$1,358	$16,290	$407	8,089	26%	$11.10	$577	1.3
$13.38	$696	$27,840	1.5	$62,400	$1,560	$18,720	$468	6,076	27%	$12.22	$636	1.1
$14.17	$737	$29,480	1.6	$68,900	$1,723	$20,670	$517	7,774	26%	$14.78	$768	1.0
$19.75	$1,027	$41,080	2.3	$83,400	$2,085	$25,020	$626	2,904	30%	$9.40	$489	2.1
$12.73	$662	$26,480	1.5	$50,000	$1,250	$15,000	$375	1,883	29%	$11.34	$590	1.1
$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.

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.

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.

Wyoming County $12.73

$26,480 1.5
900 $1,298 $15,570 $389
553 18% $12.32 $641 1.0
BR = Bedroom
FMR = Fiscal Year 2020 Fair Market Rent.
This calculation uses the higher of the county, state, or federal minimum wage, where applicable.
AMI = Fiscal Year 2020 Area Median Income
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

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 than 30% of income on housing — a household must earn $2,993 monthly or $35,913 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT WISCONSIN:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$14.32
2-Bedroom Housing Wage		$17.27
Number of Renter Households		775,089
Percent Renters		33%

MOST EXPENSIVE AREAS	HOUSING WAGE
Minneapolis-St. Paul-Bloomington HMFA	$23.35
Madison HMFA	$22.81
Kenosha County	$20.00
Milwaukee-Waukesha-West Allis MSA	$17.73
Columbia County	$17.60

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$17.27

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$898 $721

$744 $603 $377 $260
$1000 $1500 $2000 $2500

WI-267

Wisconsin Combined Nonmetro Areas

Metropolitan Areas Appleton MSA Columbia County HMFA Duluth MSA Eau Claire MSA Fond du Lac MSA Green Bay HMFA Green County HMFA Iowa County HMFA Janesville-Beloit MSA Kenosha County HMFA La Crosse-Onalaska MSA Madison HMFA Milwaukee-Waukesha-West Allis MSA Minneapolis-St. Paul-Bloomington HMFA Oconto County HMFA Oshkosh-Neenah MSA Racine MSA Sheboygan MSA

$17.27	$898	$35,913	2.4	$80,442	$2,011	$24,133	$603	775,089	33%	$14.32	$744	1.2
$15.01	$781	$31,224	2.1	$69,618	$1,740	$20,885	$522	162,758	26%	$11.93	$620	1.3
$15.58	$810	$32,400	2.1	$86,400	$2,160	$25,920	$648	25,217	27%	$14.06	$731	1.1
$17.60	$915	$36,600	2.4	$81,800	$2,045	$24,540	$614	6,300	26%	$11.29	$587	1.6
$15.69	$816	$32,640	2.2	$76,800	$1,920	$23,040	$576	6,262	33%	$12.22	$635	1.3
$15.17	$789	$31,560	2.1	$76,700	$1,918	$23,010	$575	21,955	33%	$12.87	$669	1.2
$14.87	$773	$30,920	2.1	$79,200	$1,980	$23,760	$594	11,898	29%	$13.18	$685	1.1
$15.81	$822	$32,880	2.2	$82,300	$2,058	$24,690	$617	37,941	34%	$14.72	$765	1.1
$15.73	$818	$32,720	2.2	$79,000	$1,975	$23,700	$593	3,860	26%	$11.11	$578	1.4
$16.60	$863	$34,520	2.3	$78,500	$1,963	$23,550	$589	2,584	26%	$13.87	$721	1.2
$15.98	$831	$33,240	2.2	$70,300	$1,758	$21,090	$527	20,681	32%	$13.91	$724	1.1
$20.00	$1,040	$41,600	2.8	$77,700	$1,943	$23,310	$583	21,616	34%	$12.87	$669	1.6
$15.94	$829	$33,160	2.2	$76,800	$1,920	$23,040	$576	17,439	37%	$13.82	$719	1.2
$22.81	$1,186	$47,440	3.1	$100,100	$2,503	$30,030	$751	92,207	42%	$16.30	$848	1.4
$17.73	$922	$36,880	2.4	$83,800	$2,095	$25,140	$629	251,106	40%	$16.05	$835	1.1
$23.35	$1,214	$48,560	3.2	$103,400	$2,585	$31,020	$776	12,268	25%	$11.00	$572	2.1
$13.73	$714	$28,560	1.9	$70,700	$1,768	$21,210	$530	2,709	17%	$9.84	$512	1.4
$15.13	$787	$31,480	2.1	$80,800	$2,020	$24,240	$606	24,570	35%	$15.25	$793	1.0
$16.65	$866	$34,640	2.3	$84,600	$2,115	$25,380	$635	24,562	32%	$12.88	$670	1.3
$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.

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.

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.

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

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

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 than 30% of income on housing — a household must earn $2,972 monthly or $35,663 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of:

FACTS ABOUT WYOMING:

STATE FACTS
Minimum Wage		$7.25
Average Renter Wage		$15.15
2-Bedroom Housing Wage		$17.15
Number of Renter Households		70,509
Percent Renters		31%

MOST EXPENSIVE AREAS	HOUSING WAGE
Teton County	$24.25
Johnson County	$18.65
Campbell County	$18.50
Cheyenne MSA	$18.27
Casper MSA	$17.77

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

Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

2.4

Number of Full-Time Jobs At Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR)

Two bedroom FMR

One bedroom FMR Rent affordable at area median income (AMI) Rent affordable with full-time job paying

mean renter wage Rent affordable at 30% of AMI Rent affordable with full-time job

paying minimum wage Rent affordable to SSI recipient

$17.15

PER HOUR

STATE HOUSING WAGE

Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

1.9

Number of Full-Time Jobs At Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR)

$719
$788 $602 $377 $242
$1000 $1500 $2000 $2500

WY-272

Wyoming Combined Nonmetro Areas

Metropolitan Areas Casper MSA Cheyenne MSA

Counties

Albany County Big Horn County Campbell County

Carbon County Converse County Crook County Fremont County Goshen County Hot Springs County Johnson County Laramie County Lincoln County Natrona County

Park County Platte County Sheridan County

† Wage data not available (See Appendix B).

$17.15	$892	$35,663	2.4	$80,329	$2,008	$24,099	$602	70,509	31%	$15.15	$788	1.1
$16.73	$870	$34,790	2.3	$81,092	$2,027	$24,328	$608	47,834	30%	$15.20	$791	1.1
$17.77	$924	$36,960	2.5	$79,300	$1,983	$23,790	$595	10,828	33%	$16.77	$872	1.1
$18.27	$950	$38,000	2.5	$78,100	$1,953	$23,430	$586	11,847	30%	$13.26	$690	1.4
$15.37	$799	$31,960	2.1	$78,900	$1,973	$23,670	$592	8,056	50%	$10.26	$533	1.5
$13.73	$714	$28,560	1.9	$66,400	$1,660	$19,920	$498	1,225	27%	$10.42	$542	1.3
$18.50	$962	$38,480	2.6	$93,900	$2,348	$28,170	$704	4,862	28%	$16.77	$872	1.1
$16.81	$874	$34,960	2.3	$77,600	$1,940	$23,280	$582	2,010	32%	$18.52	$963	0.9
$15.73	$818	$32,720	2.2	$84,300	$2,108	$25,290	$632	1,521	28%	$17.26	$897	0.9
$15.88	$826	$33,040	2.2	$84,000	$2,100	$25,200	$630	476	16%	$16.91	$879	0.9
$15.69	$816	$32,640	2.2	$71,200	$1,780	$21,360	$534	4,515	30%	$14.48	$753	1.1
$15.40	$801	$32,040	2.1	$68,100	$1,703	$20,430	$511	1,360	26%	$13.23	$688	1.2
$15.10	$785	$31,400	2.1	$72,500	$1,813	$21,750	$544	528	24%	$8.92	$464	1.7
$18.65	$970	$38,800	2.6	$62,700	$1,568	$18,810	$470	1,110	29%	$12.11	$630	1.5
$18.27	$950	$38,000	2.5	$78,100	$1,953	$23,430	$586	11,847	30%	$13.26	$690	1.4
$16.40	$853	$34,120	2.3	$77,200	$1,930	$23,160	$579	1,504	21%	$14.91	$775	1.1
$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%
$16.35	$850	$34,000	2.3	$76,600	$1,915	$22,980	$575	3,386	28%	$14.01	$728	1.2
$13.73	$714	$28,560	1.9	$69,300	$1,733	$20,790	$520	1,032	26%	$15.07	$783	0.9
$16.75	$871	$34,840	2.3	$78,700	$1,968	$23,610	$590	4,224	32%	$11.52	$599	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.

Sublette CountySweetwater CountyTeton CountyUinta CountyWashakie CountyWeston County

† Wage data not available (See Appendix B).

08$16.25$24.25$13.73$13.73$17.12
845$1,261$714$714$890
360$33,800$50,440$28,560$28,560$35,600
1

$96,800$2,420$29,040$726

$18.76$9760.8
2

$90,200$2,255$27,060$677

90925%$17.97$9350.9
3

$110,700$2,768$33,210$830

87142%$17.99$9351.3
9

$69,500$1,738$20,850$521

91325%$11.67$6071.2
9

$70,200$1,755$21,060$527

$12.09$6281.1
4

$85,500$2,138$25,650$641

68322%$15.13$7871.1

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

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.
Bernalillo County, NM	$9.20	$13.71	$16.87	2.	Minimum wage for firms with more than 20 employees. Mini-
Chicago, IL (2)	$14.00	$20.69	$24.00		mum wage for firms with fewer employees is $13.50.
Cook County, IL	$13.00	$20.69	$24.00	3.	Minimum wage for firms with more than 25 employees. Mini-
Cupertino, CA	$15.35	$47.27	$57.12		mum wage for firms with fewer employees is $13.50.
Daly City, CA Denver, CO	$13.75 $12.85	$52.31 $24.23	$64.21 $30.12	4.	Minimum wage for firms with more than 25 employees. Minimum wage for firms with fewer employees is $14.00.

El Cerrito, CA $15.37 $34.77 $43.06

Emeryville, CA $16.42 $34.77 $43.06

Flagstaff, AZ $13.00 $19.69 $24.35

Fremont, CA (3) $15.00 $34.77 $43.06

Hayward, CA (4) $15.00 $34.77 $43.06

Las Cruces, NM $10.25 $11.58 $14.27

Los Altos, CA $15.40 $47.27 $57.12

Los Angeles, CA (5) $15.00 $29.17 $37.62

Los Angeles County, CA (5) $15.00 $29.17 $37.62

Malibu, CA (5) $15.00 $29.17 $37.62

Menlo Park, CA $15.00 $52.31 $64.21

Milpitas, CA (6) $15.00 $47.27 $57.12

5. Minimum wage for firms with more than 25 employees. Minimum wage for firms with fewer employees is $14.25.

6. Minimum wage as of 7/1/19. Increases starting 7/1/20 will be based on Bay Area CPI increases.

Minimum wage for firms with more than 100 employees. Minimum wage for firms with fewer employees is $13.25.
Minimum wage for firms with more than 50 employees. Minimum wage is $13.25 for firms with 11-50 employees and nonprofits, $13.00 for firms with fewer employees.

9. Minimum wage for firms with more than 100 employees. Minimum wage is $14 for firms with 26-99 employees, $13.00 for firms with fewer employees.

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

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

Locality	Local Minimum Wage (as of 7/1/20)	1 BR Housing Wage	2 BR Housing Wage

Oakland, CA $14.14 $34.77 $43.06

Palo Alto, CA $15.40 $47.27 $57.12

Pasadena, CA (5) Petaluma, CA (4) Prince George's County, MD	$15.00 $15.00 $11.50	$29.17 $28.63 $28.85	$37.62 $37.48 $32.83	10.	Minimum wage for firms with over 10,000 employees, and city government workers. Minimum wage is $11.50 for firms with 1009,999 employees, $10 for firms with 6-100 employees, and $9.25
Redwood City, CA Richmond, CA	$15.38 $15.00	$52.31 $34.77	$64.21 $43.06	11.	for firms with fewer employees. Minimum wage for firms with more than 25 employees. Minimum wage is $14.25 for firms
Saint Paul, MN (10)	$12.50	$18.67	$23.35		with less than 25 employees and qualifying nonprofits.
San Diego, CA San Francisco, CA	$13.00 $15.59	$30.12 $52.31	$39.17 $64.21	12.	Minimum wage for firms with more than 500 employees. Minimum wage is $15.75 for firms with fewer than 500 employees
San Jose, CA	$15.25	$47.27	$57.12		and no employer coverage of benefits, $13.50 for firms with
San Leandro, CA	$15.00	$34.77	$43.06		fewer than 500 employees and 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

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

•APPENDIX

Appendix B describes the data used in Out of Reach. Information on how to calculate and interpret the report’s numbers are in the pages “How to Use the Numbers” and “Where the Numbers Come From.”

FAIR MARKET RENT AREA DEFINITIONS

HUD determines Fair Market Rents (FMRs) for metropolitan and rural housing markets across the country. In metropolitan areas, HUD starts

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 always preferable. Also, significant changes to OMB metropolitan

boundaries can affect current housing assistance recipients. In

keeping with OMB’s guidance to federal agencies, HUD modifies

OMB boundaries in some instances for program administration.

In FY06, HUD’s FMR areas incorporated OMB’s 2003 overhaul of metropolitan area boundaries. HUD used OMB’s new boundaries but

modified them if a county (or town) to be added to an FMR area under OMB’s definitions had rents or incomes in 2000 that deviated more than 5% from the newly defined metropolitan area. HUD (and Out of Reach) refers to unmodified OMB-defined areas as Metropolitan Statistical Areas (MSAs) and HUD-modified areas as HUD Metro FMR

Areas (HMFAs). OMB’s subsequent changes to metropolitan boundaries through 2009 were incorporated into HUD’s subsequent FMR areas.

OMB released new metropolitan area boundaries in February 2013. For FY16, HUD elected to apply pre-2013 boundaries to FMR areas except where the post-2013 OMB boundaries resulted in a smaller FMR area. Counties that had been removed from metropolitan areas were treated by HUD as nonmetropolitan counties. Counties that had been added to metropolitan areas were treated by HUD as metropolitan subareas (HMFAs) and given their own FMR if local rent data were statistically reliable. New multi-county metropolitan areas were treated by HUD as individual county metropolitan subareas (HMFAs) if the data were statistically reliable. This is consistent with HUD’s objective to allow variation in FMRs locally. These changes resulted in more metropolitan areas in Out of Reach, beginning in 2016.

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 FMR area and will be the same in both states, other data such as the number of renter households, the minimum wage, and renter wages apply only to the portion of the FMR area within that state’s borders.

FAIR MARKET RENTS

The FY20 FMRs are based on five-year 2013-2017 American

Community Survey (ACS) data, supplemented with one-year 2017 ACS data. For each FMR area, a base rent is typically set at the 40th percentile of adjusted standard quality two-bedroom gross rents from

the five-year ACS. The estimate is considered reliable by HUD if its

margin of error is less than 50% of the estimate and is based on at least 100 observations. If an FMR area does not have a reliable estimate

from the five-year 2013-2017 ACS, then HUD checks whether the area

had a minimally reliable estimate (margin of error was less than 50% of estimate and based on more than 100 observations) in at least two of the past three years. If so, the FY20 base rent is the average of the

inflation-adjusted reliable ACS estimates. If an area has not had at least

two minimally reliable estimates in the past three years, the estimate for the next largest geographic area is the base for FY20, which for a nonmetropolitan county would be the state nonmetropolitan area.

A recent mover adjustment factor is applied to the base rent. This

factor is calculated as the percentage change between the five-year

2013-2017 40th percentile standard quality two-bedroom gross rent, and the one-year 2017 40th percentile recent mover two-bedroom gross rent. The one-year recent mover two-bedroom gross rent is reliable if its margin of error is less than 50% of the estimate and is based on at least 100 observations. If the one-year recent

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

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 reliable, the estimate for the next largest geographic area is used. HUD does not allow recent mover factors to lower the base rent.

Statistically reliable local rent surveys are used to estimate rents when their estimates are statistically different from the ACS-based rents. For FY20, the ACS is not used as the base rent or recent mover factors in 19 FMR areas. HUD currently does not have funds to conduct local rent surveys, so surveys must be paid for by local public housing agencies or other interested parties if they wish for HUD to reevaluate the ACS-based FMRs.

A local or regional CPI update factor is applied to the ACS

base rent to adjust for inflation through 2018. A trend factor is

then applied to trend the gross rent forward to FY 2020, using local and regional forecasts of the CPI gross rent data.

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

are the most common and the most reliable to survey, so two-bedroom units are utilized as the primary FMR estimate.

HUD applies bedroom-size ratio adjustment factors to the two-bedroom estimates to calculate FMRs for other bedroom-size units. HUD makes additional adjustments for units with three or more bedrooms to increase the likelihood that

the largest families, who have the most difficulty in finding units, will be successful in finding rental units eligible for

programs whose payment standards are based on FMRs.

Due to changes in FMR methodology over the years, we do not recommend comparing the current edition of Out of Reach with previous ones.

FMRs for each area are available at https://www.huduser.gov/portal/datasets/fmr.html

HUD’s Federal Register notices for FY20 FMRs are available at https://www.huduser.gov/portal/datasets/fmr.html#2020_documents

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

NATIONAL, STATE, AND NON-METRO FAIR MARKET RENTS

The FMRs for the nation, states, and state nonmetropolitan areas in Out of Reach are calculated by NLIHC and reflect the weighted average FMR for the counties (FMR areas in New England) included in the larger geography. The weight for FMRs is the number of renter households within each county (FMR

area in New England) from the five-year 2014-2018 ACS.

AFFORDABILITY

Out of Reach is consistent with federal housing policy in the assumption that no more than 30% of a household’s gross income should be consumed by gross housing costs. Spending more than 30% of income on housing is considered “unaffordable."1

AREA MEDIAN INCOME (AMI)

This edition of Out of Reach uses HUD’s FY20 AMIs. HUD calculates the family AMI for metropolitan areas and nonmetropolitan

counties. The Census definition of “family” is two or more persons

related by blood, marriage or adoption residing together. This

family AMI is not intended to apply to a specific family size.

HUD used special tabulations of five-year 2013-2017 ACS data

to calculate the FY20 AMIs. In areas with a statistically reliable estimate from one-year 2017 ACS data, HUD incorporated 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 least 100 observations on which the estimate is based.

Where a statistically reliable estimate from five-year data is not

available, HUD checks on whether the area has a minimally reliable estimate (margin of error is less than 50% of the estimate) from any of the past three years. If so, the average of these years, is used.

The Congressional Budget Office (CBO) projection of the Consumer Price Index (CPI) was used by HUD to inflate the

ACS estimate from 2017 to the mid-point of FY20.

Applying the assumption that no more than 30% of income should be spent on housing costs, Out of Reach calculates the maximum affordable rent for households earning the median income and households earning 30% of the median. This is a straight percentage and does not include HUD’s adjustments to income limits for federal housing programs.

The median incomes for states and state combined nonmetropolitan areas reported in Out of Reach reflect the weighted average of county AMI data weighted by the total number of households from the 2014-2018 ACS.

FY20 family AMI for metropolitan areas and nonmetropolitan counties, the methodology, and HUD’s adjustments to subsequent income limits are available at https://www.huduser.gov/portal/datasets/il.html

PREVAILING MINIMUM WAGE

Out of Reach incorporates the minimum wage in effect as of July 1, 2020. According to the U.S. Department of Labor, the District of Columbia and 29 states have a state minimum wage higher than the federal level of $7.25 per hour. Out of Reach incorporates the higher prevailing state minimum wage in these states. Some local municipalities have a minimum wage that is higher than the prevailing federal or state rate, but local rates associated with sub-county jurisdictions are not fully incorporated into Out of Reach.

Among the statistics included in Out of Reach are the number of hours and subsequent full-time jobs a minimum wage earner must work to afford the FMR. The national average number of hours a full-time worker earning minimum wage must work to afford the FMR is calculated by taking into account the prevailing minimum

wage at the county level (or New England FMR area) and finding

the weighted average of hours needed in all counties, weighting counties by their number of renter households. Accordingly that

average reflects higher state and county minimum wages but not

higher minimum wages associated with sub-county jurisdictions.

If the reader would like to calculate the same statistics using a different wage such as a higher local minimum wage, a simple formula can be used for the conversion:

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

[hours or jobs at the published wage] ×

[published wage] / [alternative wage]

For example, one would have to work nearly 120 hours per week to afford the two-bedroom FMR in Seattle, WA, if the local minimum wage was equivalent to the State of Washington’s rate of $13.50. However, the same FMR would be affordable with 98.5 hours of work per week under the higher local minimum wage of $16.39

(119.6 * $13.50 / $16.39).2 For further guidance, see “Where the Numbers Come From” or contact NLIHC research staff.

The Department of Labor provides further information on state minimum wages at www.dol.gov/whd/minwage/america.htm.

AVERAGE RENTER WAGE

Recognizing that the minimum wage reflects the earnings of only the

lowest income workers, Out of Reach also calculates an estimated

mean renter hourly wage. This measure reflects the compensation

that a typical renter is likely to receive for an hour of work by dividing average weekly earnings by 40 hours, thus assuming a full-time workweek. Earnings include several non-wage forms of compensation like paid leave, bonuses, tips, and stock options.3

The estimated mean renter hourly wage is based on the average weekly earnings of private (non-governmental) employees working in each county.4 Renter wage information is based on 2018 data reported by the BLS in the Quarterly Census of Employment and Wages. For each county, mean hourly earnings are multiplied by the ratio of median renter household income to median household income from

the five-year 2014-2018 ACS to arrive at an estimated average renter

wage. In nineteen counties nationwide, the median renter household income exceeds the median household income. Nationally, median renter household income was 64% of the median household income.

An inflation factor was applied to the estimated mean

renter hourly wage to adjust from 2018 to FY20. The

what renter households are earning today and includes income not earned in relation to employment..

disclose the data for confidentiality reasons or because the number of employees working in the county

was insufficient to estimate a reliable wage.

The Housing and Urban-Rural Recovery Act of 1983 made the 30% “rule of thumb” applicable to rental housing assistance program.
U.C. Berkeley Labor Center (2020). Inventory of U.S. city and county minimum wage ordinances.
Please note this measure is different from median renter household income, which reflects an estimate of
Renter wage data for some counties are not provided in Out of Reach either because the BLS could not

•APPENDIX

inflation factor (260.306 ÷ 251.104) was based on the CBO

January 2020 forecast of the national CPI for FY20.

approximately 13% of counties or county equivalents (including Puerto Rico), the renter wage is below the federal, state, or local minimum wage. One explanation is that workers in these counties likely average fewer than 40 hours per week, but the mean renter wage calculation assumes weekly compensation is the product of a full-time work week. For example, mistakenly assuming earnings from 20 hours of work were the product of a full-time workweek would underestimate the actual hourly wage
half, but it would still accurately reflect the true earnings.

Wage data from the Quarterly Census of Employment and Wages are available through the Bureau of Labor Statistics at www.bls.gov/cew/home.htm.

MEDIAN RENTER HOUSEHOLD INCOME

Median renter household income is from the 20142018 ACS projected forward to FY20 based on the CBO January 2020 forecast of the national CPI for FY20.

WORKING HOURS

Calculations of the Housing Wage and of the number of jobs required at the minimum wage or mean renter wage to afford the FMR assume that an individual works 40 hours per week, 52 weeks each year, for a total of 2,080 hours per year. Seasonal employment, unpaid 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, the average wage earner in the U.S. worked 34.2 hours per week.5

Not all employees have the opportunity to translate an hourly wage into full-time, year-round employment. For these workers, the Housing Wage underestimates the actual hourly compensation needed to afford the FMR. Conversely, some households include multiple wage earners. For these households, a home renting at the FMR would be affordable even if each worker earned less than the area’s stated Housing Wage, as long as their combined wages

Bureau of Labor Statistics. (2020). The employment situation – April 2020. Washington, D.C.: U.S. Department of Labor.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

exceed the Housing Wage for at least 40 working hours per week.

SUPPLEMENTAL SECURITY INCOME (SSI)

Out of Reach compares rental housing costs with the rent affordable to individuals receiving Supplemental Security Income (SSI) payments. The national numbers are based on the maximum federal SSI payment for individuals in 2020, which is $783 per month. Out of Reach

calculations for states include state supplemental payments that benefit

all individual SSI recipients in 21 states where the Social Security Administration (SSA) reports the supplemental payment amount.

Supplemental payments provided by other states and the District of Columbia are excluded from Out of Reach calculations. For some, these payments are administered by the SSA but are available

only to populations with specific disabilities, in specific facilities, or in specific household settings. For the majority, however, the

supplements are administered directly by the states, so the data are not readily available if they haven’t been reported to the SSA. The only four states that do not supplement federal SSI payments are Arizona, Mississippi, North Dakota, and West Virginia. Residents of Puerto Rico cannot receive federal SSI payments.

Information on SSI payments is available from the Social Security Administration at https://www.ssa.gov/OACT/COLA/SSI.html.

The Technical Assistance Collaborative, Inc., publishes Priced Out, which compares FMRs with the incomes of SSI recipients. The most recent edition can be found at http:// www.tacinc.org/knowledge-resources/priced-out-v2/

ADDITIONAL DATA AVAILABLE ONLINE

The print / PDF version of Out of Reach contains limited data in an effort to present the most important information in a limited number of pages. Additional data can be found online at http://www.nlihc.org/oor.

The Out of Reach methodology was developed by Cushing

N. Dolbeare, founder of the National Low Income Housing CoalitionThe Technical Assistance Collaborative, Inc., publishes Priced Out, which compares FMRs with the incomes of SSI recipients. The most recent edition can be found at http:// www.tacinc.org/knowledge-resources/priced-out-v2/

ADDITIONAL DATA AVAILABLE ONLINE

The Out of Reach methodology was developed by Cushing N. Dolbeare, founder of the National Low Income Housing Coalition.

DEFINITIONS

Affordability in this report is consistent with the federal standard that no more than 30% of a household’s gross income should be spent on rent and utilities. Households paying over 30% of their income are considered cost-burdened. Households paying over 50% of their income are considered severely cost-burdened.

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.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION

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