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Area Median Income (AMI)

Each year, HUD calculates the area median income (AMI) for every geographic region in the country by using data from the US Census based American Community Survey. The area median income is the midpoint of a region’s income distribution, meaning that half of households in a region earn more than the median and half earn less than the median. A household’s income is calculated by its gross income, which is the total income received before taxes and other payroll deductions.


In addition to calculating AMI, HUD defines and calculates different levels of AMI for geographic areas across the country by household size.


Midland County Habitat for Humanity uses many different grant programs with varying income qualifications. Please check with the Homeowner Services Manager, Katty Owens, for details on specific programs. Katty can be reached at or 989-496-0900 x22.


Household Size  Minimum Gross Income 30%  Maximum Gross Income 60%

 Maximum Gross Income 80%

One (1)

$16,950 $33,840 $45,100
Two (2) $19,350 $38,640


Three (3)

$21,750 $43,500


Four (4)

$24,150 $48,300


Five (5)

$26,100 $52,200


Six (6)

$28,050 $56,040


Seven (7)

$29,950 $59,940



These guidelines are derived from HUD’s 2019 housing income guidelines for Midland County median income and are subject to change.




As an Equal Housing Lender, We Do Business in Accordance With Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, DISABILITY, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF18) TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property