Out of Reach 2018

Transcript

1 2018 of OUT REACH THE HIGH COST OF HOUSING MADE POSSIBLE BY THE GENEROSITY OF:

2 NLIHC STAFF Vice President for Research Andrew Aurand Victoria Bourret Housing Advocacy Organizer Josephine Clarke Executive Assistant Dan Emmanuel Senior Research Analyst Ellen Errico Creative Services Manager Ed Gramlich Senior Advisor Paul Kealey Chief Operating Officer Mike Koprowski National Campaign Director Established in 1974 by Cushing N. Dolbeare, the Manager of Field Advocacy Joseph Lindstrom National Low Income Housing Coalition is dedicated Lisa Marlow Communications Specialist solely to achieving socially just public policy that assures Sarah Mickelson Senior Director of Public Policy people with the lowest incomes in the United States Khara Norris Director of Administration Disaster Housing Recovery Coordinator Debra Susie have affordable and decent homes. NLIHC educates, Elayne Weiss Senior Policy Analyst organizes, and advocates to ensure decent, affordable Housing Campaign Coordinator Chantelle Wilkinson housing for everyone. Vice President for Field and Communications Renee Willis Diane Yentel President and CEO NLIHC provides up-to-date information, formulates policy, and educates the public on housing needs NLIHC BOARD OF DIRECTORS and the strategies for solutions. Permission to reprint Greg Payne, Chair, Portland, ME Moises Loza, Alexandria, VA portions of this report or the data therein is granted, Dara Baldwin, Washington, DC Rachael Myers, Seattle, WA provided appropriate credit is given to the National Low Russell “Rusty” Bennett, Birmingham, Marla Newman, Winston-Salem, NC Income Housing Coalition. Additional copies of Out of AL Karlo Ng, San Francisco, CA Ann O’Hara, Boston, MA Delorise Calhoun, Cincinnati, OH Reach are available from NLIHC. Emma “Pinky” Clifford, Pine Ridge, SD Nan Roman, Washington, DC Chrishelle Palay, Houston, TX Yanira Cortes, Newark, NJ Out of Reach 2018 Was Made Possible by Robert Palmer, Chicago, IL Lot Diaz, Washington, DC Eric Price, Washington, DC Chris Estes, Washington, DC The Generous Support of J.P. Morgan Chase. Shauna Sorrells, Kensington, MD Daisy Franklin, Norwalk, CT Michael Steele, New York, NY Dora Leong Gallo, Los Angeles, CA Martha Weatherspoon, Clarksville, TN Deidre “DeeDee” Gilmore, Sim Wimbush, Richmond, VA Charlottesville, VA Aaron Gornstein, Boston, MA National Low Income Housing Coalition 1000 Vermont Avenue, NW, Suite 500 Front Cover: Tent of a person experiencing homelessness on the 6th Street Bridge Washington, DC 20005 with the Los Angeles skyline in the background. Photo courtesy of Citizen of the Planet (Phone) 202.662.1530 | (Fax) 202.393.1973 Design and Layout by Ellen Errico, NLIHC Creative Services Manager WWW.NLIHC.ORG | NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

3 2018 of OUT REACH THE HIGH COST OF HOUSING ANDREW AURAND, PH.D., MSW Vice President for Research DAN EMMANUEL, MSW Senior Research Analyst DIANE YENTEL, MSSW President and CEO ELLEN ERRICO Creative Services Manager JARED GABY-BIEGEL Research Intern EMMA KERR Research Intern DATA FOR OTHER STATES, METROPOLITAN AREAS, COUNTIES, AND ZIP CODES CAN BE FOUND AT HTTP://NLIHC.ORG/OOR http://nlihc.org/oor Copyright © 2018 by the National Low Income Housing Coalition | 1 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

4 TABLE OF CONTENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PREFACE III STATE PAGES INTRODUCTION 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ALABAMA 19 LOW WAGES AND THE GROWTH . . . . . . . . . . . . . . . . . . . . . . . . . . . . ALASKA 24 . . . . . . . . . . . . . . . . . . . . . 3 OF LOW WAGE WORK ARIZONA . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 4 A SHORTAGE OF AFFORDABLE HOMES . . . . . . . . . . . . ARKANSAS . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 . . . . . . . . . . . . . . . . . 6 FEDERAL POLICY SOLUTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . CALIFORNIA 35 . . . . . . . . . . . . . . . . 8 THE NUMBERS IN THIS REPORT 40 . . . . . . . . . . . . . . . . . . . . . . . . . . COLORADO 9 . . . . . . . . . . . . . . . . . . . . . . . . . . REFERENCES CONNECTICUT 45 . . . . . . . . . . . . . . . . . . . . . . . . USER'S GUIDE DELAWARE 49 . . . . . . . . . . . . . . . . . . . . . . . . . . 51 DISTRICT OF COLUMBIA . . . . . . . . . . . . . . . . . . . HOW TO USE THE NUMBERS . . . . . . . . . . . . . . . . . 10 53 . . . . . . . . . . . . . . . . . . . . . . . . . . . . FLORIDA 11 . . . . . . . . . . . . WHERE THE NUMBERS COME FROM . . . . . . . . . . . . . . . . . . . . . . . . . . . GEORGIA 59 TABLES AND MAPS 68 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . HAWAII 2018 TWO-BEDROOM RENTAL HOUSING WAGES 12 . . . . . 70 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IDAHO 2018 HOURS AT MINIMUM WAGE NEEDED TO . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 ILLINOIS AFFORD A ONE-BEDROOM RENTAL HOME 13 . . . . . . . . . . . . . . . . . . . . AT FAIR MARKET RENT INDIANA . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 . . . . . . . . . . . . . . 14 MOST EXPENSIVE JURISDICTIONS 87 IOWA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . STATES RANKED BY TWO-BEDROOM HOUSING WAGE . . 15 93 KANSAS . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 STATE SUMMARY . . . . . . . . . . . . . . . . . . . . . . . 99 . . . . . . . . . . . . . . . . . . . . . . . . . . . KENTUCKY | i NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

5 LOUISIANA OREGON . . . . . . . . . . . . . . . . . . . . . . . . . . . . 198 . . . . . . . . . . . . . . . . . . . . . . . . . . . 106 111 201 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PENNSYLVANIA . . . . . . . . . . . . . . . . . . . . . . . . MAINE MARYLAND 115 206 . . . . . . . . . . . . . . . . . . . . . . . . . PUERTO RICO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RHODE ISLAND 118 . . . . . . . . . . . . . . . . . . . . . . . . MASSACHUSETTS 211 SOUTH CAROLINA 214 125 . . . . . . . . . . . . . . . . . . . . . . . . . . . MICHIGAN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SOUTH DAKOTA 218 MINNESOTA . . . . . . . . . . . . . . . . . . . . . . . . . . 131 . . . . . . . . . . . . . . . . . . . . . . . . . . TENNESSEE 137 222 . . . . . . . . . . . . . . . . . . . . . . . . . . MISSISSIPPI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . TEXAS MISSOURI 228 . . . . . . . . . . . . . . . . . . . . . . . . . . . 142 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 241 149 . . . . . . . . . . . . . . . . . . . . . . . . . . . MONTANA UTAH NEBRASKA 153 244 . . . . . . . . . . . . . . . . . . . . . . . . . . . VERMONT . . . . . . . . . . . . . . . . . . . . . . . . . . . NEVADA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . VIRGINIA 247 159 255 NEW HAMPSHIRE . . . . . . . . . . . . . . . . . . . . . . . . . WASHINGTON . . . . . . . . . . . . . . . . . . . . . . . 161 WEST VIRGINIA 259 . . . . . . . . . . . . . . . . . . . . . . . . 165 . . . . . . . . . . . . . . . . . . . . . . . . . . NEW JERSEY . . . . . . . . . . . . . . . . . . . . . . . . . NEW MEXICO WISCONSIN . . . . . . . . . . . . . . . . . . . . . . . . . . 168 263 . . . . . . . . . . . . . . . . . . . . . . . . . . . WYOMING . . . . . . . . . . . . . . . . . . . . . . . . . . . 268 NEW YORK 171 176 . . . . . . . . . . . . . . . . . . . . . . NORTH CAROLINA APPENDICES NORTH DAKOTA . . . . . . . . . . . . . . . . . . . . . . . 183 APPENDIX A: LOCAL MINIMUM WAGES . . . . . . . . . . . 271 187 OHIO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APPENDIX B: DATA NOTES, METHODOLOGIES, AND SOURCES 273 . . . . . . . . . . . . . 193 . . . . . . . . . . . . . . . . . . . . . . . . . . OKLAHOMA | ii NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

6 PREFACE BY U.S. SENATOR BERNIE SANDERS (I-VT) resources. We must extend rental assistance and other very American – regardless of income – should have housing benefits to the millions of low income families who a fundamental right to safe, decent, and affordable need help to make ends meet, but who have been turned E housing. Stable and affordable housing is not only essential for a person to live with dignity, but without it, away because Congress refuses to fund these programs at economic opportunity is simply an illusion. It is difficult the level needed. We must stem the rising tide of evictions for families to keep up, and near impossible to get ahead or and invest in innovative strategies aimed at eliminating homelessness. And we must start to close the housing- save for retirement or higher education. Without a stable home, children suffer emotionally and at school. Seniors wage gap by raising the minimum wage to at least $15 an hour – so that no full-time worker lives in poverty. cannot possibly retire with dignity and respect. But that is precisely the reality for millions of American Instead, President Trump and some in Congress have families all across this country – in rural areas like my proposed eliminating or dramatically reducing federal state of Vermont as well as urban cities and even suburban investments in housing solutions working people depend on. And just months after passing a tax cut for the wealthy and communities. Make no mistake: while the housing profitable corporations, they have called for tripling rents and market may have recovered for many, we are nonetheless experiencing an affordable housing crisis, especially for imposing unfair work requirements on millions of families In America who rely on public housing. These proposals will further hurt very low-income families. working families, make it harder to find a decent home, and today, nearly That is because wages have been stagnant for decades, will likely increase homelessness. while the cost of housing keeps going up. In America 11 million today, nearly 11 million families pay more than half of In the richest country in history, no family should have to make the awful choice between putting food on the table their limited incomes toward rent and utilities. That leaves families pay and keeping a roof over their heads. This is America. We precious little for other essentials, like food, transportation more than half have the resources to solve the affordable housing crisis. and health care – much less a few extra dollars to take your kid to see a movie. We have the solutions that work. What we need is the will of their limited to do what is right. Meanwhile, almost half a million Americans are homeless incomes on any given night. Many of them are working families As you read this report, I urge you to join the National Low toward rent with children, veterans, people with disabilities, and those Income Housing Coalition and people across the country suffering from mental illness. This is a national disgrace. I in lifting up your voice to call for ending homelessness and and utilities. simply do not know how else to describe it. housing poverty in America. Now more than ever, we need millions of ordinary Americans to stand up and demand The affordable housing crisis demands that we think big real change from the bottom up. Together, we can make SENATOR and act boldly. We must make a historic and sustained sure every American has a secure and affordable place to commitment to ensure that every family has an affordable BERNIE call home. place to live and thrive. This starts with significantly Thank you, expanding federal investments in affordable housing SANDERS through programs like the National Housing Trust Fund, Bernie Sanders the HOME program and other critically important | iii NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

7 DEFINITIONS in this report is consistent with Affordability INTRODUCTION 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% documents the gap between wages LIHC’s annual report, Out of Reach, of their income are considered cost burdened. and the cost of rental housing across the United States. The report’s Households paying over 50% of their income are N Housing Wage is an estimate of the hourly wage a full-time worker must considered severely cost burdened. earn to afford a rental home at HUD’s fair market rent (FMR) without spending more than 30% of his or her income on housing costs. FMRs provide an estimate is used to Area Median Income (AMI) of what a family moving today can expect to pay for a modestly priced rental determine income eligibility for affordable home in a given area. This year’s findings demonstrate how far out of reach housing programs. The AMI is set according to modestly priced housing is for the growing low-wage work force, despite recent family size and varies by region. wage growth, and for other vulnerable populations across the country. Extremely Low Income (ELI) refers to earning The 2018 national Housing Wage is $22.10 for a modest two-bedroom rental less than the poverty level or 30% of AMI. Among the 50 states home and $17.90 for a modest one-bedroom rental home. is the estimated full-time hourly Housing Wage and the District of Columbia, the two-bedroom Housing Wage ranges from $13.84 wage a household must earn to afford a decent in Arkansas to $36.13 in Hawaii. The five metropolitan areas with the highest rental home at HUD’s Fair Market Rent while two-bedroom Housing Wages are Stamford-Norwalk, CT ($38.19), Honolulu, HI spending no more than 30% of their income on ($39.06), Oakland-Fremont, CA ($44.79), San Jose-Sunnyvale-Santa Clara, CA housing costs. ($48.50), and San Francisco, CA ($60.02). is defined as 2,080 hours per year Full-time work A full-time worker earning the federal minimum wage of $7.25 needs to work (40 hours each week for 52 weeks). The average approximately 122 hours per week for all 52 weeks of the year, or approximately employee works roughly 34.5 hours per week, three full-time jobs, to afford a two-bedroom rental home at the national average according to the Bureau of Labor Statistics. fair market rent. The same worker needs to work 99 hours per week for all 52 is typically the 40th Fair Market Rent (FMR) weeks of the year, or approximately two and a half full-time jobs, to afford a one- percentile of gross rents for standard rental bedroom home at the national average fair market rent. units. FMRs are determined by HUD on an annual basis, and reflect the cost of shelter and In no state, metropolitan area, or county can a worker earning the federal utilities. FMRs are used to determine payment minimum wage or prevailing state minimum wage afford a two-bedroom rental standards for the Housing Choice Voucher home at fair market rent by working a standard 40-hour week. In only 22 program and Section 8 contracts. counties out of more than 3,000 counties nationwide can a full-time minimum- wage worker afford a one-bedroom rental home at fair market rent. These 22 Renter wage is the estimated mean hourly wage counties are all located in states with a minimum wage higher than $7.25. Higher among renters, based on 2016 Bureau of Labor minimum wages are important, but they are not the silver-bullet solution for Statistics wage data, adjusted by the ratio of housing affordability. Thirty-eight local jurisdictions have their own minimum renter household income to the overall median wages higher than the state or federal minimum-wage, but all fall short of the household income reported in the ACS and local one-bedroom Housing Wage ( ). Appendix A projected to 2018. | 1 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

8 FIGURE 1: STATES WITH THE LARGEST SHORTFALL BETWEEN AVERAGE RENTER WAGE AND TWO-BEDROOM HOUSING WAGE MD MA WA NH VT ME NJ CT HI CA -$7.29 -$7.19 -$7.52 -$7.96 -$8.58 -$9.55 -$9.96 -$11.18 -$11.53 -$19.98 Source: Housing wages are derived from HUD fair market rents. Average renter wages are derived from BLS QCEW, 2016, adjusted to 2018 dollars. annually and can afford at most $660 two-bedroom Housing Wage and $1.02 The struggle to afford ). The per month for housing ( Figure 2 below the one-bedroom Housing Wage. A national average fair market rent for a significant gap exists between the average modest rental homes is not renter wage and the two-bedroom Housing one-bedroom home is $931 per month Wage in many states ( ). The 11.2 Figure 1 and $1,149 for a two-bedroom home, limited to minimum-wage million extremely low income renters far from affordable for an extremely low workers. income family. in the United States, those earning less than the greater of the poverty level or The struggle to afford modest rental Extremely low income households 30% of the area median income (AMI), homes is not limited to minimum-wage include people with disabilities who rely fall particularly short of being able to workers. NLIHC estimates that the on Supplemental Security Income (SSI). afford modest rental homes. On average, average renter’s hourly wage in the United A person with a disability whose sole extremely low income households of States is $16.88, which is $5.22 below the source of income is the federal SSI can four people earn no more than $26,420 | 2 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

9 underfunded. Three out of four eligible FIGURE 2: RENTS ARE OUT OF REACH FOR MANY RENTERS households in need of assistance receive none (Fischer & Sard, 2017). For those lucky enough to receive assistance, recent Rent Affordable to a $250 proposals in Congress and by the Trump Household Relying on SSI administration to raise their rents threaten to undermine their housing stability. Rent Affordable to a Household The remainder of this report discusses with One Full-Time Worker $377 the reasons modest rental housing is out Earning the Federal Minimum Wage of reach for so many renters and policy recommendations to address the problem. Rent Affordable to Extremely Low $660 Income Household LOW WAGES AND THE GROWTH OF Rent Affordable to Full-Time Worker $878 Earning the Average Renter Wage LOW WAGE WORK Low wages and wage inequality contribute 2018 One-Bedroom FMR to the gap between what people earn $931 and the cost of their housing. Low-wage workers have recently seen modest wage growth as the economy has improved. 2018 Two-Bedroom FMR Wages grew 3.7% from 2016 to 2017 for $1,149 the lowest 10% of wage earners, due in part to improvements in the economy and Fair Market Rent = Fair Market Rent. Source: NLIHC calculation of a weighted-average HUD fair market rent. Affordable rent for average renter wage is state minimum wage increases (Gould, based on BLS QCEW, 2016, adjusted to 2018 dollars. Other rents are based on HUD Income Limits and and 2018). The lowest-paid workers saw Social Security Adminstration, 2018. greater gains in states with minimum wage increases than in states without. afford a monthly rent of just $250, well and other necessities (Schaak, Sloane, Wages remain too low, however, for many Arienti, & Zovistoski, 2017). below the national average fair market workers to afford modest rental homes at rent for a one-bedroom rental home. In While modest rental homes are out of the fair market rents. Nationally, a full- fact, the monthly cost of a modest one- reach for many renters, particularly those th time wage earner at the 40 percentile bedroom apartment is greater than an SSI with the lowest incomes, federal housing of the wage distribution (40% of workers entire recipient’s income in 220 housing programs that provide much needed earn less) cannot afford a modest one- markets across 40 states and the District housing assistance to these vulnerable bedroom apartment at the average fair of Columbia, leaving no resources for food individuals and their families are chronically | 3 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

10 and 2016, real hourly wages increased Low-wage work is expected to grow. market rent without spending more than th Seven of the ten occupations projected 30% of his or her income on the rent percentile 51.7% for workers at the 95 th of wages and 4.4% for workers at the 10 to enjoy the greatest growth during the ). ( Figure 3 next decade, provide a median wage that percentile. Previous research indicates Wage inequality between the lowest- that areas with greater income inequality is lower than the two-bedroom or one- paid and highest-paid workers remains bedroom Housing Wage ( are less affordable for low income ). Many Figure 4 th significant. A worker at the 95 percentile of these jobs are in the service sector. households, suggesting housing markets of the wage distribution earns an hourly The Bureau of Labor Statistics (2018) are more responsive to the demand for wage more than six times that of a worker housing among higher income households projects an increase of more than 770,000 th at the 10 percentile (Gould, 2018). personal care aides between 2016 and than to the needs of low income Despite a small improvement during the 2026, representing the greatest growth households (Holmes & Berube, 2016; past year, growing wage inequality has of any occupation. Their median hourly Dong, 2017). been a long-term trend. Between 1979 wage is $11.32. The number of food preparation workers, who earn a median FIGURE 3: HOURLY WAGES BY PERCENTILE VS. ONE AND hourly wage of $9.89, is expected to grow TWO-BEDROOM HOUSING WAGES by nearly 580,000. The three occupations with the greatest projected growth that $30.00 pay a median wage higher than the Housing Wage are general operations $26.53 $25.00 managers, software developers, and Two-Bedroom Housing Wage ($22.10) registered nurses: each require advanced $22.12 degrees or significant experience. In $20.00 tight high-cost housing markets, even One-Bedroom Housing Wage ($17.90) these occupations may not provide wages $18.60 sufficient to afford decent rental housing. $15.00 $15.83 $13.68 $11.60 $10.00 A SHORTAGE OF $10.07 AFFORDABLE $5.00 HOMES $0.00 70th 50th 60th 30th 20th 40th 10th The demand for rental housing grew Percentile Percentile Percentile Percentile Percentile Percentile Percentile Wage Wage Wage Wage Wage Wage Wage significantly during the past decade as a result of demographic shifts and Source: Housing wages are derived from HUD fair market rents. The hourly wages by percentile are from the the effects of the Great Recession. Economic Policy Institute's State of Working America Data Library. Adjusted to 2018 dollars. Between 2005 and 2016, the number of | 4 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

11 New rental construction over the past renters increased by nearly 10 million The demand for households to a record 43.3 million, decade has been largely geared toward pushing up rental prices (Joint Center the high end of the rental market, rental housing grew for Housing Studies, 2017). A small due to increasingly high development dip to 43.1 million renter households costs. According to the Joint Center for significantly during the and a slight increase in the rental Housing Studies (2017), the number of past decade as a result vacancy rate from 6.9% to 7.2% in 2017 homes renting for $2,000 or more per indicates the rental market is beginning month increased by 97% between 2005 of demographic shifts to cool (U.S. Census Bureau, 2018), and 2015 with the new development of but a significant affordability challenge and the effects of the high-end apartments and rising rents of remains for low-wage workers and other existing apartments. During the same Great Recession. vulnerable households. time, the number of homes renting for FIGURE 4: HOUSING WAGE AND MEDIAN WAGES FOR OCCUPATIONS WITH HIGHEST PROJECTED GROWTH General managers $49.20 Software developers $47.91 Registered nurses $34.30 Two-Bedroom Housing Wage $22.10 One-Bedroom Housing Wage $17.90 Medical assistants $15.91 Laborers and material movers $12.59 Home health aides $12.55 Janitors and cleaners $12.25 Personal care aides $11.32 Waiters and Waitresses $10.20 Food preparation and service $9.89 Source: Housing wages are derived from HUD fair market rents. Employment projections from BLS Employment Projections Program. Occupational wages from May 2017 National Occupation Employment and Wage Estitmates, Occupational Employment Statistics, BLS. Adjusted to 2018 dollars. | 5 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

12 less than $800 declined by 2%. While the rental market added more than FEDERAL POLICY SOLUTIONS 6.7 million housing units during this period, the number of units renting for to reduce homelessness and housing The findings of highlight Out of Reach 2018 less than $800 declined by more than instability (Gubits et al., 2016). Voucher the significant shortfall between the 260,000. recipients find housing in the private incomes of low-wage workers and other market and contribute 30% of their vulnerable populations and the cost of Most low income renters rely on older incomes toward housing costs. The modest rental homes. Seventy-one percent units that become affordable over time voucher pays the remaining costs up of extremely low income renters spend as newer units are developed. But this to the local housing agency’s payment more than half of their incomes on housing, process, known as filtering, does not standard. Only one of four households leaving them few resources for other produce enough affordable rental homes in need of rental assistance receives any necessities and putting them at risk of losing to serve extremely low income renters. due to chronic underfunding. To meet their homes given the difficulty of sustaining When rents reach a level that the the need, Congress should significantly their rent payments (NLIHC, 2018b). The majority of extremely low income renters increase funding for new vouchers. lack of stable housing can result in the loss could afford, landlords in strong housing of employment (Desmond & Gershenson, markets have an economic incentive to 2016) and in poor health (Sandel et al., redevelop their units for higher rents. This year’s HTF 2018), and can interrupt student learning Landlords in weak housing markets often and lower academic achievement (Brennan, allocation of $266 million find the cost of upkeep is higher than the Reed, & Sturtevant, 2014). Nonetheless, rent they are able to collect, and they will be put to good use the Trump Administration proposes therefore decide to abandon maintenance reducing federal housing assistance for building and repairing on the housing or repurpose the the lowest income households through homes affordable to the property. budget cuts, increased rents, and arbitrary lowest income people, but Absent public subsidy, the private and administratively burdensome work market fails to provide sufficient requirements. its current funding level housing affordable to the lowest income Congress provided a 10% increase to HUD’s is inadequate to meet the households. At the same time, three budget for fiscal year 2018 (FY18), an out of four low income households in need. important step forward. However, funding need of housing assistance are denied for many of these programs remains well federal help due to chronic underfunding An increase in capital investments in below FY10 levels and insufficient to (Fischer & Sard, 2017). The net result is homes affordable for the lowest income fully meet the nation’s needs ( ). Figure 5 a national shortage of 7.2 million rental renters is also needed. The national Adequate funding for these programs is homes affordable and available to the Housing Trust Fund (HTF) provides necessary to solving the affordable rental lowest income renters (NLIHC, 2018b). block grants to states for the creation or housing crisis in America. No state or major metropolitan area has rehabilitation of homes for extremely low Tenant-based rental assistance like an adequate supply. income and very low income households Housing Choice Vouchers is proven | NATIONAL LOW INCOME HOUSING COALITION 6 OUT OF REACH 2018

13 earning up to 50% of their area median to the HTF through comprehensive GSE low incomes. This year’s HTF allocation income. Funded by a modest contribution reform, or other avenues, to no less than of $266 million will be put to good use $3.5 billion. building and repairing homes affordable to from Fannie Mae and Freddie Mac, at least 90% of HTF dollars must be used for rental the lowest income people, but its current Rather than address the affordable housing and at least 75% of rental housing funding level is inadequate to meet the housing crisis, the administration’s must benefit renters with extremely need. Congress should expand funding proposed spending cuts for FY19 would, if enacted, lead to the largest reduction FIGURE 5: CHANGES IN FUNDING LEVELS FOR KEY HUD PROGRAMS in affordable housing and community (FY10 ENACTED TO FY18 ENACTED) development investments in decades. The proposed budget could lead to more Changes (Millions) than 200,000 families losing vital federal $1,726 rental assistance and to the elimination $1,214 of programs that support state and local efforts to address their housing needs (NLIHC, 2018a). For the limited number of families that -$113 -$110 receive federal housing assistance, recent -$266 proposals by the administration threaten -$726 to undermine their housing stability. -$912 The administration seeks to cut housing benefits by imposing rent increases -$1,725 Changes (%) and arbitrary work requirements. The 18% administration proposes increasing tenants’ 6% contributions toward rent from 30% of adjusted household income to 35% of gross household income, eliminating deductions -4% for medical and childcare expenses, and tripling minimum rents on non-disabled -17% households from $50 per month to $150. -28% These reforms would result in an average -33% -34% -35% rent increase of 44% on households with housing assistance (Fischer, 2018). Public Housing Operating Fund Community Development Fund HOME Investment Partnerships Program Housing for the Elderly (202) The vast majority of individuals and families in need of housing assistance are Public Housing Capital Fund (8 11) ilities ons with Disab Housing fo r Pers seniors, people with disabilities, caretakers Tenant Based Rental Assistance Project-Based Rental Assistance for people with disabilities or very Note: Adjusted for inflation. | 7 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

14 provide stable housing for the lowest young children, or are in the labor force sufficiently cover the costs of housing and income households. These programs other basic needs. (NLIHC, 2018b). No evidence indicates include Housing Choice Vouchers, the that work requirements would eliminate Rather than undermine the housing their need for housing assistance (Levy, national HTF, public housing, project- stability needed by families for economic Edmonds, & Simington, 2018). The low- based rental assistance, and other federal growth and academic achievement, wage employment typically available rental housing programs serving the Congress should invest in key housing to low income households often fails to lowest income households. programs that serve as a safety net and THE NUMBERS IN THIS REPORT reflect small-scale market conditions within less vibrant economies and lower-than- Out of Reach data are available for every metropolitan areas. NLIHC calculated the average household incomes, meaning a state, metropolitan area, and county at Housing Wage for each zip code to illustrate low Housing Wage is still out of reach for www.nlihc.org/oor. We encourage you to too many households. the variation in the Housing Wage within visit the site, click on your state, and select metropolitan areas. These wages can be “more info” to see an interactive page on The Housing Wage is based on HUD fair www.nlihc.org/oor found on-line at . which you can choose specific metropolitan market rents (FMRs), which are the areas or counties in your state. The final Department’s best estimate of what a Readers are cautioned against comparing pages of this report describe where the Out of Reach statistics in one edition of family moving today can expect to pay for numbers come from and how to use them, with those in another. Over time, HUD has a modest rental home, not what all current identify the most expensive jurisdictions, changed its methodology for calculating renters are paying on average. The FMR and provide state data and rankings. FMRs and incomes. Since 2012, HUD is typically the 40th percentile of rents has developed FMR estimates using that a family can be expected to pay. The The Housing Wage varies considerably American Community Survey (ACS) data FMR is the basis for the rent payment across the country. The Housing Wage standard for Housing Choice Vouchers and to determine base rents. This methodology for a modest two-bedroom rental home other HUD programs. They are typically can introduce more year-to-year variability. in the San Francisco metropolitan area, From time to time, an area’s FMRs are applied uniformly within each FMR area, for example, is $60.02, far higher than based on local rent surveys rather than the which is either a metropolitan area or the national Housing Wage. On the nonmetropolitan county. Therefore, ACS. For these reasons, readers should other end of the price spectrum, the the Housing Wage does not reflect rent not compare this year’s report to previous two-bedroom Housing Wage is $11.65 in variations within a metropolitan area or editions of Out of Reach and assume some of Alabama’s counties. Jurisdictions nonmetropolitan county. that all differences reflect actual market with lower-than-average Housing Wages, dynamics. Please consult the appendices however, are not immune to a shortage HUD has published Small Area FMRs based and NLIHC research staff for assistance with of affordable rental homes. Jurisdictions on U.S. Postal Service ZIP codes to better with a low Housing Wage tend to have interpreting changes in the data. | 8 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

15 REFERENCES inequality on the rise, driven by declining incomes. Brennan, M., Reed, P., & Sturtevant, L. (2014). The impacts Washington, . DC: Brookings. of affordable housing on education: A research summary Washington, DC: National Housing Conference, Center for Joint Center for Housing Studies of Harvard University. (2017). Housing Policy. . Cambridge, MA: Author. The state of the nation’s housing Desmond, M., & Gershenson, C. (2016). Housing and Work Levy, D., Edmonds, L.,& Simington, J. (2018). employment insecurity among the working poor . Social requirements in public housing authorities: Experience to date , 63(1). Problems Washington, DC: Urban Institute. and knowledge gaps. The impact of income inequality on rental Dong, H. (2017). National Low Income Housing Coalition. (2018a). President’s affordability: An empirical study of large metropolitan areas. Washington, budget calls for drastic cuts to affordable housing. , forthcoming. Urban Studies DC: Author. Trump plan would raise rents on working Fischer, W. (2018). National Low Income Housing Coalition. (2018b). The gap: A families, elderly, people with disabilities . Washington, DC: . Washington, DC: Author. shortage of affordable homes 2018 Center on Budget and Policy Priorities. Sandel, M., Sheward, R., Ettinger de Cuba, S., Coleman, S.M., Chart book: Federal housing Fischer, W. & Sard, B. (2017). Unstable housing Frank, D.A., Chilton, M. ... Cutts, D. (2018). . spending is poorly matched to need Washington, DC: Center on and caregiver and child health in renter families. , Pediatrics Budget and Policy Priorities. 142(2). Gould, E. (2018). The state of American wages 2017 . Priced Schaak, G., Sloane, L., Arienti, F., & Zovistoski, A. (2017). Washington, DC: Economic Policy Institute. out: The housing crisis for people with disabilities . Boston, MA: Technical Assistance Collaborative. Gubits, D., Shinn, M., Wood, M., Bell, S., Dastrup, S., Solari, C., ... Kattel, U. (2016). Family options study: 3-year impacts Occupational outlook U.S. Bureau of Labor Statistics. (2018). of housing and services interventions for homeless families . . Washington, DC: Author. handbook: Most new jobs Washington, DC: HUD Office of Policy Development and Housing vacancies and U.S. Census Bureau. (2018). Research. [Data file]. . homeownership (CPS/HVS) Holmes, N. & Berube, A. (2016). City and metropolitan | NATIONAL LOW INCOME HOUSING COALITION 9 OUT OF REACH 2018

16 n USER'S GUIDE HOW TO USE THE NUMBERS holds Renter house resent rep ed 36% of a ll 100% o f AM I, mily fa r a earning Fo hou seholds it ed the Un in less is monthly rent of $1,839 or 2016). States (20 12- The est imated mean . affordable er w age in the (average) rent United St ates i s $16.88 per A renter hou sehold needs ere 43,219,759 There w family al median The annu hour (2018). to earn a t lea st $22.10 per the renter ho us eholds in ited income (AM I) in the Un hou r in o a rder to afford ). 2016 tes (2012- United Sta (2018). $73,556 States is two-bed room unit at FMR. US (AMI) OLDS R H OUSEH FY18 HO INCOME ING WAGE MEDIAN AREA RENTE S HOUSING COST e Full- tim Monthly jobs ual Ann Full- time ed Estimat jobs a t Rent Monthly ren t income at minimum hourly mean ren ter 3 affo rdable rent affo rdable o needed t wage ded nee mean wage nee ded at mea n ual Ann rdab affo le 0% at 3 30% afford 2 BR to afford o nee age w Hourly ded t ren ter % o f to tal Renter to affo rd 5 4 1 2 renter wage I AM at AMI MI of A of AMI FMR 2 BR FMR 2 B R FMR FMR BR rd 2 affo wage hou sehold s s sehold hou 2 BR F MR 36% 067 $22, $1,839 6.88 $1 $552 $73,556 43,219,759 $45, $22.10 $878 960 1.3 $1,149 3.0 UNITED STATES In the U nited Sta te s, an for a MR The F income low extremely two-be rental home droom s I) earn f AM (30% o family Sta tes i s he United in t annually . $22,067 $1,149 (2018). rns the If a full-time worker ea househ old needs an annu al A renter mean rente r wage, monthly $45,960 in order to afford incom e of earning of AMI, 30% For a family $878 or le ss is rent o f at F MR a two-bedroom . rental unit monthly or less is ren t of $552 able. afford affo . rdable househ 3.0 old needs A renter full-time jo bs 1.3 A renter ho useh old needs jobs pay full-ti me i nimum ng the mi or der to ter w age in pay in g the mean ren wage in orde d a r to affor afford a two-bedroo m rental home at FMR. tal unit ren a t FM R. two-bedroom 4: AMI = Fiscal Yea r 2018 Area Median I ncom e. BR 1: = Bedroom. ed y accept generall of s represent " rent "Affordable 5: st andard t he Re nt . 2: FMR = Fisca l Year 2018 Fair Market utilities. spend e on rent incom gross of e tha n 30% mor no ing and of minim 3: Thi s calculation uses the higher um the federal or state B. Appendix wage. Lo cal minimum wages ar e not used. See | NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018 10

17 n USER'S GUIDE WHERE THE NUMBERS COME FROM Divide number of renter households by total number of Average wage reported by Multiply Annual AMI by .3 to get households (ACS 2012-2016) the Bureau of Labor Statistics maximum amount that can be spent on (43,219,759 / 118,943,130 = .36). (BLS) for 2016, adjusted to housing for it to be affordable ($73,556 x Then multiply by 100 (.36 x 100 = reflect the income of renter .3 = $22,067). Divide by 12 to obtain ). 36% households relative to all ). $1,839 monthly amount ($22,067 / 12 = Divide income needed to households in the United afford FMR ($45,960) by 52 HUD FY18 estimated median States, and projected to 2018. (weeks per year) and then family income based on data See Appendix B. ACS (2012-2016). by 40 (hours per work week) from the American Community ($45,960 / 52 = $884; Survey (ACS). See Appendix B. ). $22.10 $884 / 40 = HOUSING COST R H OUSEH RENTE AREA MEDIAN FY18 HO US ING WAGE INCOME (AMI) OLDS S e Full- tim Monthly jobs Full- time ual Ann t jobs a Monthly Estimat ed t ren Monthly at minimum income ter mean ren hourly rent 3 rdable affo rent ded nee wage needed t o wage nee ded mean rdable affo ual Ann 30% at 3 0% le rdab affo 2 BR to afford afford Hourly age nee ded t o w % o f to Renter tal rd to affo at mea n ter ren 5 4 2 1 AM I of AMI of A MI at AMI FMR 2 B R FMR 2 BR FMR FMR affo rd 2 BR s sehold hou s hou sehold 2 BR F MR renter wage wage 36% $1,149 $1,839 759 $22, 067 556 $22.10 $552 $4 5,960 6.88 $73, $1 43,219, 3.0 1.3 $878 STATES UNITED Developed by HUD Multiply Annual AMI by .3 Calculate annual income by annually (2018). See ($73,556 x .3 = $22,067 ). multiplying mean renter wage by 40 Appendix A. (hours per week) and 52 (weeks per year) ($16.88 x 40 x 52 = $35,110). Multiply 30% of Annual AMI by .3 to Multiply by .3 to determine maximum Multiply the FMR by 12 to get yearly rental cost get maximum amount that can be amount that can be spent on rent ($1,149 x 12 = $13,788). Then divide by .3 to spent on housing for it to be affordable ($35,110 x .3 = $10,553). Divide by determine the total income needed to afford ($22,067 x .3 = $6,620). Divide by 12 12 to obtain monthly amount $13,788 per year in rent ($13,788 / .3 = ). $45,960 to obtain monthly amount ($6,620 / 12 ($10,553 / 12 = ). $878 $552 = ). Divide annual income needed to afford the FMR by 52 (weeks per year) ($45,960 / 52 = $884). Divide income needed to afford the FMR by Then divide by $7.25 (the Federal 52 (weeks per year) ($45,960 / 52 = $884). minimum wage) ($884 / $7.25 = Then divide by $16.88 (The United States' 122 hours). Finally, divide by 40 mean renter wage) ($883.85 / $16.88 = 52 (hours per work week) (122 / 40 = hours). Finally, divide by 40 (hours per work 3.0 full-time jobs ). week) (52 / 40 = 1.3 full-time jobs ). Yea r 2018 BR 4: AMI = Fiscal 1: = Bedroom. Area Median I ncom e. ed y accept generall t he s represent FMR = Fisca l Year 2018 Fair Market Re " rent "Affordable nt . of 2: 5: st andard no e tha n 30% of gross incom mor ing and utilities. spend e on rent or the of higher the uses Thi s calculation federal um minim state 3: ar e not Lo cal minimum wage. used. See B. Appendix wages | OUT OF REACH 2018 11 NATIONAL LOW INCOME HOUSING COALITION

18 n TABLES & MAPS 2018 TWO-BEDROOM RENTAL HOUSING WAGES Represents the hourly wage that a household must earn (working 40 hours a week, 52 weeks a year) in order to afford the Fair Market Rent for a , without paying more than 30% of their income. TWO-BEDROOM RENTAL HOME WA $26.87 ME MT $18.73 ND $16.13 MN $16.44 OR $18.82 $21.26 VT $22.40 ID WI NH $22.32 NY SD $15.44 $16.52 MA $28.64 $30.03 $14.33 WY MI CT $24.90 $16.46 $16.85 RI $19.96 PA IA NE $19.53 $15.01 NJ $28.17 NV OH $15.66 IL DE $21.85 IN $18.59 $15.25 UT $20.34 MD $29.04 $15.56 CO $17.77 WV VA DC $34.48 CA $23.93 KS $14.10 MO $23.69 $32.68 KY $15.67 $15.46 $14.40 NC $16.35 TN OK AZ $15.74 AR NM $15.41 $18.46 SC $13.84 $15.89 $16.38 GA AL MS $17.53 $14.65 $14.51 TX $19.32 LA AK $16.63 $24.80 FL $21.50 HI Two-Bedroom Housing Wage PR $9.24 $36.13 Less than $15.00 $15.00 to less than $20.00 $20.00 or More | NATIONAL LOW INCOME HOUSING COALITION 12 OUT OF REACH 2018

19 n TABLES & MAPS 2018 HOURS AT MINIMUM WAGE NEEDED TO AFFORD A ONE-BEDROOM RENTAL HOME AT FAIR MARKET RENT 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 *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 localities with minimum wages higher than the standard state or federal minimum wage. No 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. Puerto Rico is excluded due to wage comparability issues. | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 13

20 n TABLES & MAPS MOST EXPENSIVE JURISDICTIONS Housing Wage for Housing Wage for 2 Metropolitan Areas Metropolitan Counties 1 Two-Bedroom FMR Two-Bedroom FMR 3 $60.02 Marin County, CA San Francisco, CA HMFA $60.02 San Jose-Sunnyvale-Santa Clara, CA HMFA $48.50 San Francisco County, CA $60.02 $60.02 San Mateo County, CA $44.79 Oakland-Fremont, CA HMFA 4 $39.06 Santa Clara County, CA $48.50 Honolulu, HI MSA Stamford-Norwalk, CT HMFA $38.19 Alameda County, CA $44.79 $37.79 Santa Cruz-Watsonville, CA MSA Contra Costa County, CA $44.79 Santa Maria-Santa Barbara, CA MSA $36.87 Honolulu County, HI $39.06 Nassau-Suffolk, NY HMFA $36.12 Santa Cruz County, CA $37.79 Santa Barbara County, CA $36.87 $36.12 Seattle-Bellevue, WA HMFA Nassau County, NY $36.08 Santa Ana-Anaheim-Irvine, CA HMFA $36.12 Housing Wage for Nonmetropolitan Counties Housing Wage for State Nonmetropolitan Areas (Combined) (or County-Equivalents) Two-Bedroom FMR Two-Bedroom FMR Hawaii $26.41 Pitkin County, CO $33.40 Alaska $23.55 Aleutians West Census Area, AK $31.31 $22.90 Nantucket County, MA $30.23 Massachusetts Connecticut Dukes County, MA $21.00 $29.44 New Hampshire $20.37 Nome Census Area, AK $29.25 Vermont $19.18 Monroe County, FL $29.12 Colorado Kauai County, HI $18.77 $29.06 Bethel Census Area, AK Maryland $18.53 $28.48 $28.04 Denali Borough, AK California $18.36 Nevada Eagle County, CO $17.35 $28.00 1 FMR = Fair Market Rent. Excludes metropolitan counties in New England. 2 3 HMFA = HUD Metro FMR Area. This term indicates that a portion of an Office of Management & Budget (OMB)-defined core-based statistical area (CBSA) is in the area to which the FMRs apply. HUD is required by OMB to alter the names of the metropolitan geographic entities it derives from CBSAs when the geographies are not the same as that established by the OMB. 4 MSA = Metropolitan Statistical Area. Geographic entities defined by OMB for use by the federal statistical agencies in collecting, tabulating, and publishing federal statistics. An MSA contains an urban core of 50,000 or more in population. | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 14

21 n TABLES & MAPS STATES RANKED BY TWO-BEDROOM HOUSING WAGE States are ranked from most expensive to least expensive. Housing Wage for Housing Wage for 1 1 State State Rank Rank 2 2 Two-Bedroom FMR Two-Bedroom FMR 1 Hawaii $36.13 Louisiana $16.63 29 $32.68 California 3 30 Wisconsin $16.52 $30.03 New York 4 $16.46 31 Wyoming Maryland $29.04 5 32 North Dakota $16.44 Massachusetts $28.64 6 $16.38 33 South Carolina 7 New Jersey $28.17 $16.35 34 North Carolina $26.87 8 Washington Montana $16.13 35 $24.90 9 Connecticut New Mexico $15.89 36 $24.80 10 Alaska $15.74 Tennessee 37 $23.93 11 Colorado $15.67 Kansas 38 $23.69 12 Virginia $15.66 39 Nebraska $22.40 Vermont 13 40 Indiana $15.56 New Hampshire $22.32 14 Missouri $15.46 41 Delaware $21.85 15 42 Idaho $15.44 Florida 16 $21.50 43 Oklahoma $15.41 17 $21.26 Oregon $15.25 Ohio 44 18 Illinois $20.34 45 $15.01 Iowa 19 $19.96 Rhode Island 46 $14.65 Alabama 20 $19.53 Pennsylvania 47 Mississippi $14.51 $19.32 Texas 21 $14.40 Kentucky 48 22 Minnesota $18.82 49 $14.33 South Dakota 23 Maine $18.73 50 West Virginia $14.10 24 Nevada $18.59 Arkansas 51 $13.84 OTHER Arizona $18.46 25 2 District of Columbia $34.48 Utah $17.77 26 $9.24 Puerto Rico 52 $17.53 Georgia 27 $16.85 28 Michigan 1 Includes District of Columbia and Puerto Rico. 2 FMR = Fair Market Rent. | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 15

22 n TABLES & MAPS STATE SUMMARY FY18 HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS HOUSING WAGE Full-time jobs at Monthly rent Annual income Estimated Full-time jobs at Monthly 3 mean renter wage Hourly wage % of total Renter hourly mean minimum wage affordable at Monthly rent rent needed to needed to mean renter affordable needed to afford needed to afford affordable at households renter wage households Afford 4 1 2 5 2 BR (2012-2016) (2018) 2 BR FMR FMR 30% AMI wage (2012-2016) 30% of AMI at AMI afford 2 BR FMR 2 BR FMR Annual AMI State 2 BR FMR $762 $30,466 2.0 $61,243 $1,531 $18,373 $459 583,237 32% $12.53 $651 1.2 Alabama $14.65 $1,289 $24.80 2.5 $91,861 $2,297 $27,558 $689 90,922 36% $18.84 $980 1.3 Alaska $51,576 917,041 $18.46 1.8 $65,012 $1,625 $19,503 $488 $38,390 37% $16.54 $860 1.1 Arizona $960 $13.84 $720 $28,794 1.6 $56,038 Arkansas $16,811 $420 392,028 34% $13.05 $679 1.1 $1,401 California $1,699 $67,976 3.0 $80,383 $2,010 $24,115 $603 5,878,380 46% $21.50 $1,118 1.5 $32.68 $23.93 $1,245 2.3 $83,968 $2,099 $25,190 $630 730,999 36% $17.59 $915 1.4 Colorado $49,780 454,490 $24.90 2.5 $97,574 $2,439 $29,272 $732 $51,799 34% $17.38 $904 1.4 Connecticut $1,295 $21.85 $1,136 $45,439 2.6 $79,885 $1,997 $23,965 $599 101,111 29% $16.99 $884 1.3 Delaware Florida $21.50 $44,716 2.6 $63,043 $1,576 $18,913 $473 2,605,942 35% $16.10 $837 1.3 $1,118 $17.53 $491 $36,459 2.4 $65,403 $1,635 $19,621 Georgia 1,345,295 37% $16.28 $846 1.1 $911 $680 Hawaii $75,158 3.6 $90,623 $2,266 $27,187 $1,879 192,176 43% $16.16 $840 2.2 $36.13 31% 185,569 $475 $19,012 1.3 $634 Idaho $15.44 $803 $32,122 2.1 $63,373 $1,584 $12.19 1,635,043 Illinois 2.5 $79,475 $1,987 $23,843 $596 $42,304 34% $16.78 $873 1.2 $1,058 $20.34 $15.56 $809 $32,359 2.1 $67,395 $1,685 $20,219 $505 786,317 31% $13.44 $699 1.2 Indiana $543 $15.01 $31,226 2.1 $72,385 $1,810 $21,716 $781 359,522 29% $12.50 $650 1.2 Iowa Kansas $15.67 $815 $32,584 2.2 $70,075 $1,752 $21,022 $526 375,515 34% $13.41 $697 1.2 $457 Kentucky $29,955 2.0 $60,923 $1,523 $18,277 $749 570,314 33% $12.93 $672 1.1 $14.40 1.2 $16.63 $865 $34,597 2.3 $62,538 $1,563 $18,761 $469 598,613 35% $14.07 $732 Louisiana 1.6 Maine $18.73 $974 $38,966 1.9 $69,475 $1,737 $20,842 $521 153,731 28% $11.44 $595 $2,525 $910 34% $17.51 1.7 Maryland $29.04 $1,510 $60,406 2.9 $100,990 729,709 $30,297 $757 $723 Massachusetts $59,571 2.6 $96,409 $2,410 $28,923 $1,489 970,146 38% $20.06 $1,043 1.4 $28.64 Michigan $16.85 $876 $35,057 1.8 $67,993 $1,700 $20,398 $510 1,128,343 29% $14.27 $742 1.2 $25,418 Minnesota $979 $39,141 2.0 $84,726 $2,118 $18.82 $635 609,699 29% $14.84 $772 1.3 $1,303 Mississippi $14.51 $755 $30,188 2.0 $52,134 $15,640 $391 352,404 32% $11.44 $595 1.3 $513 Missouri $32,148 2.0 $68,442 $1,711 $20,533 $804 787,627 33% $14.14 $735 1.1 $15.46 Montana $16.13 $839 $33,545 1.9 $65,839 $1,646 $19,752 $494 135,346 33% $12.23 $636 1.3 $22,129 Nebraska $815 $32,580 1.7 $73,764 $1,844 $15.66 $553 251,775 34% $12.57 $653 1.2 BR = Bedroom. AMI = Fiscal Year 2018 Area Median Income. 1: 4: “Affordable” rents represent the generally accepted standard of spending no more than 30% of gross income on rent 5: 2: FMR = Fiscal Year 2018 Fair Market Rent. This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See 3: and utilities. Appendix B . | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 16

23 n TABLES & MAPS STATE SUMMARY FY18 HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS HOUSING WAGE Full-time jobs at Annual income Monthly Estimated Monthly rent Full-time jobs at 3 affordable at hourly mean needed to minimum wage rent mean renter wage % of total Hourly wage Monthly rent Renter Afford mean renter needed to afford needed to afford affordable households needed to affordable at households renter wage 5 4 2 1 30% AMI (2012-2016) Annual AMI afford 2 BR FMR (2018) 2 BR FMR 2 BR FMR at AMI wage FMR (2012-2016) 2 BR State 2 BR FMR 30% of AMI $18.59 $66,237 $38,660 2.3 Nevada $1,656 $19,871 $497 465,914 45% $16.84 $876 1.1 $966 $675 New Hampshire $46,426 3.1 $90,040 $2,251 $27,012 $1,161 152,820 29% $15.13 $787 1.5 $22.32 New Jersey $28.17 $1,465 $58,603 3.3 $93,952 $2,349 $28,186 $705 1,147,220 36% $18.21 $947 1.5 New Mexico $15.89 $33,062 2.1 $59,618 $1,490 $17,885 $447 245,732 32% $12.97 $674 1.2 $827 $30.03 $604 $62,454 2.9 $80,598 $2,015 $24,179 New York 3,371,574 46% $24.23 $1,260 1.2 $1,561 $483 North Carolina $34,004 2.3 $64,456 $1,611 $19,337 $850 1,343,669 35% $14.66 $762 1.1 $16.35 North Dakota $16.44 $855 $34,190 2.3 $82,523 $2,063 $24,757 $619 111,254 36% $15.75 $819 1.0 $517 Ohio $31,723 1.8 $68,942 $1,724 $20,683 $793 1,565,964 34% $13.32 $693 1.1 $15.25 Oklahoma $15.41 $801 $32,047 2.1 $62,875 $1,572 $18,863 $472 501,339 34% $13.92 $724 1.1 $21,253 Oregon $1,105 $44,214 2.0 $70,843 $1,771 $21.26 $531 597,158 39% $15.44 $803 1.4 $775 $14.91 31% 1,536,223 $568 1.3 Pennsylvania $19.53 $1,015 $40,616 2.7 $75,722 $1,893 $22,717 165,492 Rhode Island 2.0 $81,384 $2,035 $24,415 $610 $41,526 40% $13.70 $712 1.5 $1,038 $19.96 $16.38 $852 $34,080 2.3 $63,024 $1,576 $18,907 $473 580,380 32% $12.75 $663 1.3 South Carolina $523 $14.33 $29,816 1.6 $69,770 $1,744 $20,931 $745 107,391 32% $11.90 $619 1.2 South Dakota Tennessee $15.74 $819 $32,749 2.2 $61,644 $1,541 $18,493 $462 849,161 34% $14.50 $754 1.1 $524 Texas $40,185 2.7 $69,876 $1,747 $20,963 $1,005 3,542,096 38% $18.20 $946 1.1 $19.32 1.3 $17.77 $924 $36,952 2.5 $75,784 $1,895 $22,735 $568 279,600 30% $13.92 $724 Utah 1.7 Vermont $22.40 $1,165 $46,585 2.1 $76,843 $1,921 $23,053 $576 75,203 29% $12.85 $668 1.3 $920 $17.69 $85,599 34% Virginia $23.69 $1,232 $49,276 3.3 $2,140 $25,680 $642 1,057,417 $632 Washington $55,886 2.3 $84,281 $2,107 $25,284 $1,397 1,013,225 38% $18.91 $983 1.4 $26.87 West Virginia $14.10 $733 $29,336 1.6 $57,684 $1,442 $17,305 $433 203,457 28% $11.36 $591 1.2 $22,416 Wisconsin $859 $34,371 2.3 $74,719 $1,868 $16.52 $560 762,613 33% $13.35 $694 1.2 Wyoming $16.46 $856 $34,236 2.3 $76,762 $1,919 $23,029 $576 71,244 31% $14.25 $741 1.2 OTHER 1.2 $34.48 $1,793 $71,720 2.6 $117,200 $2,930 $35,160 $879 163,874 59% $27.75 $1,443 District of Columbia $7,273 Puerto Rico $480 $19,216 1.3 $24,242 $606 $9.24 $182 388,445 31% $7.25 $377 1.3 BR = Bedroom. AMI = Fiscal Year 2018 Area Median Income. 1: 4: 5: “Affordable” rents represent the generally accepted standard of spending no more than 30% of gross income on rent 2: FMR = Fiscal Year 2018 Fair Market Rent. and utilities. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B . | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 17

24

25 S TAT E S TAT E * RANKING RANKING 46 # ALABAMA In Alabama , the Fair Market Rent (FMR) for a two-bedroom apartment is $14.65 . In order to afford this level of rent and utilities — without paying more $762 PER HOUR than 30% of income on housing — a household must earn $2,539 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $30,466 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT ALABAMA: STATE FACTS 81 67 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $12.53 Average Renter Wage 2-Bedroom Housing Wage $14.65 2 1.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 583,237 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 32% Two bedroom FMR $762 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $629 Rent affordable at Birmingham-Hoover HMFA $16.96 $1,531 area median income (AMI) Rent affordable with full-time job paying $651 Daphne-Fairhope-Foley MSA $16.90 mean renter wage Rent affordable at 30% of AMI $459 Mobile MSA $16.15 Rent affordable with full-time job $377 paying minimum wage $15.94 Montgomery MSA Rent affordable to SSI recipient $225 A uburn-Opelika MSA $15.90 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 19

26 ALABAMA RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Alabama $12.53 2.0 583,237 $459 $651 1.2 $61,243 $14.65 32% $30,466 $762 $1,531 $18,373 Combined Nonmetro Areas $1,195 129,482 $359 $14,341 $47,802 29% $557 1.1 1.7 $10.72 $12.00 $624 $24,966 Metropolitan Areas Anniston-Oxford-Jacksonville MSA 1.8 $510 1.3 $9.81 $13.06 13,964 $17,040 31% $27,160 $679 $1,420 $56,800 $426 Auburn-Opelika MSA 41% $33,080 $66,900 $502 $1,673 $827 $459 $20,070 $15.90 $8.83 2.2 1.8 23,869 Birmingham-Hoover HMFA 124,932 1.1 $791 $21,300 $35,280 $15.21 2.3 $16.96 $71,000 $533 $1,775 $882 31% Chilton County HMFA $54,600 1.7 3,984 $12.17 $574 24% $25,320 1.1 $11.04 $633 $1,365 $410 $16,380 Columbus MSA 9,230 $698 1.2 2.2 $13.43 $15.83 $16,800 41% $32,920 $823 $1,400 $420 $56,000 Daphne-Fairhope-Foley MSA $1,735 $879 $35,160 28% $20,820 $16.90 $10.95 2.3 1.5 $569 21,244 $69,400 $521 Decatur MSA $58,700 $669 $26,760 27% $440 $654 $1,468 $17,610 $12.87 $12.58 1.8 1.0 16,142 Dothan HMFA $627 1.1 $12.06 $13.37 $15,660 33% 1.8 $695 $1,305 $392 $52,200 16,648 $27,800 Florence-Muscle Shoals MSA $17,250 $431 $669 $26,760 30% $516 $57,500 $1,438 $12.87 $9.93 1.8 1.3 18,211 Gadsden MSA $26,440 $661 $1,353 $54,100 11,478 1.3 1.8 $10.06 $12.71 $523 $16,230 29% $406 Henry County HMFA $17,490 $12.23 $12.48 1.7 1.0 $649 1,360 $58,300 $437 $1,458 $636 $25,440 20% Huntsville MSA 31% $698 $78,700 $590 $1,968 $717 $28,680 52,544 $23,610 $13.79 $13.41 1.9 1.0 Mobile MSA $840 $12.89 2.2 $17,940 34% $33,600 1.3 $670 52,495 $16.15 $59,800 $449 $1,495 Montgomery MSA 1.3 $62,900 $12.50 $472 $1,573 $829 $33,160 36% $18,870 $15.94 2.2 51,627 $650 Pickens County HMFA $13,230 $331 $1,103 $606 $24,240 27% $44,100 $11.65 2,077 $7.77 1.6 1.5 $404 Tuscaloosa HMFA $32,200 $805 $1,538 $461 $61,500 $18,450 $10.97 2.1 1.4 $570 27,528 36% $15.48 Walker County HMFA $1,293 $499 1.3 1.7 $9.60 $12.60 6,422 25% $26,200 $655 $388 $51,700 $15,510 Counties Autauga County 5,582 $62,900 $627 $829 $472 1.3 2.2 $12.06 $15.94 $18,870 27% $33,160 $1,573 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 20 OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION

27 ALABAMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Baldwin County $521 $1,735 $879 $35,160 28% $20,820 $16.90 $10.95 2.3 1.5 $569 21,244 $69,400 36% $26,280 1.4 1.7 $8.92 $12.63 $13,350 $464 $657 $1,113 $334 $44,500 3,293 Barbour County 1,929 Bibb County $1,775 $533 $71,000 $882 $35,280 27% $21,300 $16.96 $14.35 2.3 1.2 $746 $21,300 Blount County $533 $1,775 $882 $35,280 21% $71,000 $16.96 $9.32 2.3 1.8 $484 4,365 $584 956 $44,300 $332 $1,108 $606 $24,240 27% $13,290 $11.65 $11.22 1.6 1.0 Bullock County $12,690 30% $9.28 1.6 1.3 $483 $606 $317 $42,300 2,282 Butler County $24,240 $11.65 $1,058 $510 13,964 $56,800 $426 $1,420 $679 Calhoun County 31% $17,040 $13.06 $9.81 1.8 1.3 $27,160 1.0 1.8 $13.10 $13.00 $14,460 32% $27,040 $676 $1,205 $362 $48,200 4,481 Chambers County $681 $24,240 1.0 2,291 $47,900 $359 $1,198 $606 Cherokee County 21% $14,370 $11.65 $11.10 1.6 $577 $25,320 24% $16,380 $12.17 $11.04 1.7 1.1 $574 Chilton County 3,984 $54,600 $410 $1,365 $633 19% $604 $49,700 $373 $1,243 $677 $27,080 1,083 $14,910 $13.02 $11.61 1.8 1.1 Choctaw County $489 Clarke County 3,132 $49,700 $373 $1,243 $606 $24,240 33% $14,910 $11.65 $9.40 1.6 1.2 $606 1.0 1.6 $11.78 $11.65 $13,650 25% $24,240 $1,138 $341 $45,500 1,338 Clay County $613 24% $695 $51,400 $386 $1,285 $633 $25,320 1,423 $15,420 $12.17 $13.36 1.7 0.9 Cleburne County 33% Coffee County 6,458 $65,400 $491 $1,635 $619 $506 1.2 1.6 $9.74 $11.90 $19,620 $24,760 $669 $26,760 28% $17,250 $12.87 $11.51 1.8 1.1 $598 Colbert County 6,169 $57,500 $431 $1,438 1,093 Conecuh County $259 $863 $606 $24,240 21% $10,350 $11.65 $7.55 1.6 1.5 $392 $34,500 $12.12 861 $1,120 $630 $25,200 20% $13,440 $336 $13.51 1.7 0.9 $702 Coosa County $44,800 3,836 $48,200 $362 $1,205 $606 $24,240 25% Covington County $11.65 $11.12 1.6 1.0 $578 $14,460 Crenshaw County $52,900 $397 $1,323 $606 $24,240 1,621 $15,870 $11.65 $10.40 1.6 1.1 $541 30% $554 $619 $13,530 $11.90 $10.66 1.6 Cullman County 24% $24,760 1.1 $1,128 $338 $45,100 7,498 39% Dale County $59,500 $446 $1,488 $614 $24,560 7,381 $17,850 $11.81 $15.67 1.6 0.8 $815 1.1 $535 1.6 $10.28 $11.65 $11,610 42% Dallas County $606 $968 $290 $38,700 6,714 $24,240 $572 6,873 $45,900 $344 $1,148 $717 DeKalb County 28% $13,770 $13.79 $11.00 1.9 1.3 $28,680 $18,870 27% $33,160 $829 $1,573 $472 $62,900 7,675 Elmore County 1.6 $9.78 $15.94 2.2 $508 $606 $24,240 29% $12,840 $11.65 $11.34 1.6 1.0 $589 Escambia County 3,895 $42,800 $321 $1,070 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 21 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

28 ALABAMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Etowah County $406 $1,353 $661 $26,440 29% $16,230 $12.71 $10.06 1.8 1.3 $523 11,478 $54,100 22% $24,240 1.4 1.6 $8.23 $11.65 $13,740 $428 $606 $1,145 $344 $45,800 1,514 Fayette County 3,644 Franklin County $1,183 $355 $47,300 $606 $24,240 31% $14,190 $11.65 $10.00 1.6 1.2 $520 $15,660 Geneva County $392 $1,305 $695 $27,800 25% $52,200 $13.37 $9.51 1.8 1.4 $495 2,639 $499 918 $28,500 $214 $713 $606 $24,240 30% $8,550 $11.65 $9.59 1.6 1.2 Greene County $18,450 25% $8.45 2.1 1.8 $440 $805 $461 $61,500 1,481 Hale County $32,200 $15.48 $1,538 $649 1,360 $58,300 $437 $1,458 $636 Henry County 20% $17,490 $12.23 $12.48 1.7 1.0 $25,440 1.1 1.8 $12.29 $13.37 $15,660 36% $27,800 $695 $1,305 $392 $52,200 14,009 Houston County $639 $25,000 1.3 5,418 $47,900 $359 $1,198 $625 Jackson County 27% $14,370 $12.02 $9.53 1.7 $495 $35,280 37% $21,300 $16.96 $15.72 2.3 1.1 $817 Jefferson County 96,897 $71,000 $533 $1,775 $882 27% $502 $42,900 $322 $1,073 $606 $24,240 1,614 $12,870 $11.65 $9.65 1.6 1.2 Lamar County $453 Lauderdale County 12,042 $57,500 $431 $1,438 $669 $26,760 31% $17,250 $12.87 $8.70 1.8 1.5 $669 1.2 1.8 $10.41 $12.87 $17,610 20% $26,760 $1,468 $440 $58,700 2,695 Lawrence County $541 41% $459 $66,900 $502 $1,673 $827 $33,080 23,869 $20,070 $15.90 $8.83 2.2 1.8 Lee County 24% Limestone County 7,709 $78,700 $590 $1,968 $717 $530 1.4 1.9 $10.19 $13.79 $23,610 $28,680 $829 $33,160 26% $18,870 $15.94 $14.77 2.2 1.1 $768 Lowndes County 1,120 $62,900 $472 $1,573 2,693 Macon County $321 $1,070 $606 $24,240 34% $12,840 $11.65 $8.69 1.6 1.3 $452 $42,800 $13.79 44,835 $1,968 $717 $28,680 32% $23,610 $590 $13.76 1.9 1.0 $716 Madison County $78,700 2,466 $48,000 $360 $1,200 $606 $24,240 30% Marengo County $11.65 $11.45 1.6 1.0 $596 $14,400 Marion County $43,900 $329 $1,098 $606 $24,240 2,934 $13,170 $11.65 $8.67 1.6 1.3 $451 23% $505 $623 $15,810 $11.98 $9.71 1.7 Marshall County 29% $24,920 1.2 $1,318 $395 $52,700 10,119 34% Mobile County $59,800 $449 $1,495 $840 $33,600 52,495 $17,940 $16.15 $12.89 2.2 1.3 $670 1.6 $377 1.6 $7.25 $11.65 $12,600 39% Monroe County $606 $1,050 $315 $42,000 3,216 $24,240 $672 37,250 $62,900 $472 $1,573 $829 Montgomery County 41% $18,870 $15.94 $12.92 2.2 1.2 $33,160 $17,610 29% $26,760 $669 $1,468 $440 $58,700 13,447 Morgan County 1.0 $12.77 $12.87 1.8 $664 $606 $24,240 27% $9,600 $11.65 $7.36 1.6 1.6 $383 Perry County 853 $32,000 $240 $800 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 22 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

29 ALABAMA AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pickens County $331 $1,103 $606 $24,240 27% $13,230 $11.65 $7.77 1.6 1.5 $404 2,077 $44,100 $14,760 Pike County $369 $1,230 $606 $24,240 41% $49,200 $11.65 $9.93 1.6 1.2 $516 5,210 $483 2,519 $49,100 $368 $1,228 $621 $24,840 29% $14,730 $11.94 $9.28 1.6 1.3 Randolph County $698 Russell County 9,230 $56,000 $420 $1,400 $823 $32,920 41% $16,800 $15.83 $13.43 2.2 1.2 $882 $541 $10.41 $16.96 $21,300 19% $35,280 2.3 $1,775 $533 $71,000 6,023 St. Clair County 1.6 21% $14.85 2.3 1.1 $772 $35,280 $21,300 $16.96 $1,775 $533 $71,000 15,718 Shelby County $882 $28,800 $11.78 1,653 $37,500 $281 $938 $720 Sumter County 34% $11,250 $13.85 1.9 1.2 $612 $680 0.9 1.7 $13.09 $12.12 $14,520 28% $25,200 $630 $1,210 $363 $48,400 8,743 Talladega County $24,240 1.5 4,767 $52,100 $391 $1,303 $606 Tallapoosa County 29% $15,630 $11.65 $7.95 1.6 $413 $805 $32,200 37% $18,450 $15.48 $11.04 2.1 1.4 $574 Tuscaloosa County 26,047 $61,500 $461 $1,538 25% Walker County $51,700 $388 $1,293 $655 $26,200 6,422 $15,510 $12.60 $9.60 1.7 1.3 $499 16% Washington County 998 $50,600 $380 $1,265 $624 $24,960 $15,180 $12.00 $25.75 1.7 0.5 $1,339 Wilcox County 1,416 $34,500 $259 $863 $606 $664 $24,240 37% $10,350 $11.65 $12.76 1.6 0.9 1.1 Winston County 2,278 $43,700 $328 $1,093 $555 $24,240 24% $13,110 $11.65 $10.67 1.6 $606 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 23 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

30 S TAT E S TAT E * RANKING RANKING # ALASKA 10 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Alaska $24.80 . In order to afford this level of rent and utilities — without paying more $1,289 PER HOUR monthly or $4,298 than 30% of income on housing — a household must earn $51,576 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT ALASKA: STATE FACTS 101 78 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $9.84 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $18.84 2-Bedroom Housing Wage $24.80 2 2.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 90,922 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 36% Two bedroom FMR $1,289 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $999 Rent affordable at Aleutians West Census Area $31.31 $2,297 area median income (AMI) Rent affordable with full-time job paying $980 Nome Census Area $29.25 mean renter wage Rent affordable at 30% of AMI $689 $28.48 Bethel Census Area Rent affordable with full-time job $512 paying minimum wage $28.04 Denali Borough Rent affordable to SSI recipient $334 $27.42 J uneau City and Borough $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 24

31 ALASKA FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Alaska $51,576 $689 $18.84 $24.80 36% 90,922 $980 $1,289 $2,297 2.5 $91,861 1.3 $27,558 Combined Nonmetro Areas $609 27,465 $2,029 $22.96 2.4 1.0 $1,194 $23.55 $48,986 $1,225 $81,165 $24,350 35% Metropolitan Areas $17.82 $99,500 $1,337 $53,480 40% $29,850 $25.71 $2,488 2.6 1.4 $927 41,702 Anchorage HMFA $746 Fairbanks MSA $698 $2,325 $1,368 $54,720 41% $27,900 $26.31 $16.30 2.7 1.6 $848 14,298 $93,000 $27,600 $21.37 $11.11 2.2 1.9 $578 7,457 Matanuska-Susitna Borough HMFA $1,111 $2,300 $690 $92,000 $44,440 24% Counties Aleutians East Borough $506 $1,685 $1,051 $42,040 44% $67,400 $20.21 $25.02 2.1 0.8 $1,301 345 $20,220 850 $94,300 $707 $2,358 $1,628 $65,120 72% $28,290 $31.31 $27.77 3.2 1.1 $1,444 Aleutians West Census Area $53,480 41,702 $99,500 $746 $2,488 $1,337 1.4 40% $29,850 $25.71 $17.82 2.6 $927 Anchorage Municipality 1,634 1.4 $395 $1,315 $1,481 Bethel Census Area $59,240 36% $15,780 $28.48 $20.09 2.9 $1,045 $52,600 $2,373 1.2 $24.00 $28,470 45% $49,920 $1,248 $19.42 $712 $94,900 163 Bristol Bay Borough $1,010 2.4 1.1 2.8 $24.50 $28.04 $30,870 25% $58,320 $2,573 $772 $102,900 174 Denali Borough $1,458 $1,274 $18,150 Dillingham Census Area $60,500 $454 $1,513 $1,201 39% 543 $23.10 $18.19 2.3 1.3 $946 $48,040 2.7 1.6 $848 $54,720 $27,900 $2,325 41% $698 $93,000 14,298 Fairbanks North Star Borough $26.31 $1,368 $16.30 31% $549 367 $73,200 $1,830 $985 $39,400 Haines Borough $21,960 $18.94 $12.91 1.9 1.5 $671 $500 1.7 1.6 $9.61 $16.13 $21,210 29% $33,560 $839 $1,768 $530 $70,700 239 Hoonah-Angoon Census Area $57,040 1.8 4,322 $104,900 $787 $2,623 $1,426 Juneau City and Borough 36% $31,470 $27.42 $14.86 2.8 $773 $43,280 28% $24,870 $20.81 $14.98 2.1 1.4 $779 Kenai Peninsula Borough 6,099 $82,900 $622 $2,073 $1,082 40% Ketchikan Gateway Borough $87,400 $656 $2,185 $1,255 $50,200 2,109 $26,220 $24.13 $14.52 2.5 1.7 $755 $727 Kodiak Island Borough 1,800 $84,400 $633 $2,110 $1,061 $42,440 39% $25,320 $20.40 $13.99 2.1 1.5 $12,450 Kusilvak Census Area $311 $1,038 $923 $36,920 26% $41,500 $17.75 $12.56 1.8 1.4 $653 450 $1,084 150 $57,700 $433 $1,443 $881 $35,240 32% $17,310 $16.94 $20.85 1.7 0.8 Lake and Peninsula Borough 2.2 $11.11 $21.37 $27,600 24% $44,440 $1,111 $2,300 $690 $92,000 7,457 Matanuska-Susitna Borough $578 1.9 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 25 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

32 ALASKA FY18 HOUSING WAGE HOUSING COSTS RENTERS AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Nome Census Area $382 $1,273 $1,521 $60,840 40% $15,270 $29.25 $23.88 3.0 1.2 $1,242 1,147 $50,900 $24,960 North Slope Borough $624 $2,080 $1,180 $47,200 50% $83,200 $22.69 $54.27 2.3 0.4 $2,822 1,008 45% 860 $64,000 $480 $1,600 $1,276 $51,040 $2,104 $19,200 $24.54 $40.46 2.5 0.6 Northwest Arctic Borough $43,400 $476 2.1 $9.15 $20.87 $26,490 32% 2.3 $1,085 $2,208 $662 $88,300 397 Petersburg Census Area 1.5 2.0 $13.35 $19.85 $19,650 28% $41,280 $1,638 $491 $65,500 642 Prince of Wales-Hyder Census Area $1,032 $694 2.5 1.7 $726 $50,440 $27,510 $24.25 $1,261 44% $2,293 $688 $91,700 1,544 Sitka City and Borough $13.96 $773 $638 Skagway Municipality 195 $85,000 $2,125 $1,351 $54,040 46% $25,500 $25.98 $14.86 2.6 1.7 $48,800 0.9 591 $77,600 $582 $1,940 $1,220 Southeast Fairbanks Census Area 28% $23,280 $23.46 $26.90 2.4 $1,399 $1,194 $47,760 28% $28,500 $22.96 $15.94 2.3 1.4 $829 Valdez-Cordova Census Area 832 $95,000 $713 $2,375 31% Wrangell City and Borough $70,600 $530 $1,765 $962 $38,480 329 $21,180 $18.50 $9.10 1.9 2.0 $473 $558 2.0 2.2 $10.72 $21.50 $25,440 40% Yakutat City and Borough $1,118 $2,120 $636 $84,800 98 $44,720 $988 Yukon-Koyukuk Census Area 577 $50,600 $380 $1,265 0.8 $31,560 29% $15,180 $15.17 $19.01 1.5 $789 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 26 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

33 S TAT E S TAT E * RANKING RANKING 25 # ARIZONA In Arizona , the Fair Market Rent (FMR) for a two-bedroom apartment is $18.46 . In order to afford this level of rent and utilities — without paying more $960 PER HOUR than 30% of income on housing — a household must earn $3,199 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $38,390 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT ARIZONA: STATE FACTS 70 56 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $10.50 (at FMR) Rental Home (at FMR) Rental Home $16.54 Average Renter Wage 2-Bedroom Housing Wage $18.46 1.8 1.4 Number of Full-Time Jobs At Number of Full-Time Jobs At 917,041 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 37% Two bedroom FMR $960 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $761 Rent affordable at Flagstaff MSA $21.71 $1,625 area median income (AMI) Rent affordable with full-time job paying $860 Phoenix-Mesa-Scottsdale MSA $19.48 mean renter wage Rent affordable at 30% of AMI $488 Prescott MSA $17.13 Rent affordable with full-time job $546 paying minimum wage $16.56 Gila County Rent affordable to SSI recipient $225 T ucson MSA $16.42 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 27

34 ARIZONA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Arizona $1,625 $19,503 $65,012 $960 37% $18.46 1.1 1.8 917,041 $860 $488 $38,390 $16.54 Combined Nonmetro Areas $355 33,474 $1,182 $14.42 $14.74 1.4 1.0 $767 $750 $47,280 $14,184 $29,987 29% Metropolitan Areas 19,361 $75,100 $563 $1,878 $1,129 $45,160 41% $22,530 $21.71 $12.37 2.1 1.8 $643 Flagstaff MSA 27,313 $372 $1,240 $797 $31,880 33% $49,600 $15.33 $13.62 1.5 1.1 $708 $14,880 Lake Havasu City-Kingman MSA $17.59 1.1 1.9 $19.48 $20,730 39% $40,520 $1,013 $1,728 $518 $69,100 $915 617,024 Phoenix-Mesa-Scottsdale MSA $891 $18,300 $17.13 $13.16 1.6 1.3 $684 27,930 $35,640 30% $61,000 $458 $1,525 Prescott MSA $31,160 15,850 $646 $438 $1,460 $58,400 $779 1.2 32% $17,520 $14.98 $12.43 1.4 Sierra Vista-Douglas MSA $18,180 39% $34,160 $854 $1,515 152,991 $455 $60,600 $704 1.2 1.6 $13.54 $16.42 Tucson MSA $1,175 23,098 $47,000 $353 $800 $32,000 33% $607 $15.38 $11.67 1.5 1.3 $14,100 Yuma MSA Counties $880 $264 $35,200 4,469 Apache County $1,033 0.7 1.3 $19.87 $13.40 $10,560 23% $27,880 $697 32% Cochise County $58,400 $438 $1,460 $779 $31,160 15,850 $17,520 $14.98 $12.43 1.4 1.2 $646 $75,100 Coconino County $563 $1,878 $1,129 $45,160 41% 19,361 $22,530 $21.71 $12.37 2.1 1.8 $643 28% 6,025 $49,900 $374 $1,248 $861 $34,440 Gila County $16.56 $12.78 1.6 1.3 $664 $14,970 $31,400 $1,435 $17,220 $15.10 $11.71 1.4 $785 1.3 $609 Graham County 3,345 31% $57,400 $431 $18,210 Greenlee County $455 $1,518 $700 $28,000 54% $60,700 $13.46 $40.05 1.3 0.3 $2,083 1,795 $547 2,296 $43,800 $329 $1,095 $760 $30,400 25% $13,140 $14.62 $10.51 1.4 1.4 La Paz County 1.1 $921 1.9 $17.70 $19.48 $20,730 40% Maricopa County $1,013 $1,728 $518 $69,100 581,070 $40,520 $708 27,313 $49,600 $372 $1,240 $797 $31,880 33% $14,880 $15.33 $13.62 1.5 1.1 Mohave County 30% Navajo County $49,200 $369 $1,230 $722 $28,880 10,294 $14,760 $13.88 $12.22 1.3 1.1 $635 $854 $1,515 $455 $60,600 152,991 Pima County $704 1.6 $13.54 $16.42 $18,180 1.2 39% $34,160 $12.91 1.9 1.5 $671 Pinal County 35,954 $69,100 $518 $1,728 $1,013 $40,520 27% $20,730 $19.48 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 28 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

35 ARIZONA AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $13,980 $13.67 $10.92 1.3 1.3 $568 Santa Cruz County $46,600 $350 $1,165 $711 5,250 $28,440 34% $684 30% 27,930 $61,000 $458 $1,525 $891 $35,640 $18,300 $17.13 $13.16 1.6 1.3 Yavapai County Yuma County 23,098 $47,000 $353 $1,175 $800 1.3 $32,000 33% $14,100 $15.38 $11.67 1.5 $607 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 29 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

36 S TAT E S TAT E * RANKING RANKING 51 # ARKANSAS In Arkansas , the Fair Market Rent (FMR) for a two-bedroom apartment is $13.84 . In order to afford this level of rent and utilities — without paying more $720 PER HOUR than 30% of income on housing — a household must earn $2,399 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $28,794 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT ARKANSAS: STATE FACTS 65 52 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $8.50 (at FMR) Rental Home (at FMR) Rental Home $13.05 Average Renter Wage 2-Bedroom Housing Wage $13.84 1.6 1.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 392,028 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage 2-Bedroom Rental Home (at FMR) (at FMR) 1-Bedroom Rental Home Percent Renters 34% Two bedroom FMR $720 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $571 Rent affordable at $16.02 Crittenden County $1,401 area median income (AMI) Rent affordable with full-time job paying $679 $15.60 Little Rock-North Little Rock-Conway HMFA mean renter wage Rent affordable at 30% of AMI $420 Texarkana HMFA $15.29 Rent affordable with full-time job $442 paying minimum wage Hot Springs MSA $14.83 Rent affordable to SSI recipient $225 J onesboro HMFA $14.29 $1,500 $1,000 $500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 30

37 ARKANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Arkansas $56,038 $16,811 $28,794 $720 $1,401 1.6 $679 1.1 $13.05 34% $420 392,028 $13.84 Combined Nonmetro Areas $14,286 $357 135,996 $1,191 $12.41 $10.99 1.5 1.1 $572 $645 30% $47,621 $25,817 Metropolitan Areas Fayetteville-Springdale-Rogers HMFA $723 69,424 $882 0.8 1.6 $16.96 $13.90 $19,620 $28,920 $65,400 $491 $1,635 39% Fort Smith HMFA $624 $15,870 $13.40 $12.01 1.6 1.1 35% 25,896 $52,900 $397 $1,323 $697 $27,880 Grant County HMFA $451 1,405 $586 1.1 1.5 $11.26 $60,100 $12.50 $18,030 20% $26,000 $650 $1,503 Hot Springs MSA $52,700 $1,318 $771 $30,840 34% $15,810 $395 $9.94 1.7 1.5 $517 13,585 $14.83 Jonesboro HMFA $565 1.3 1.7 $10.87 $14.29 $16,860 41% $29,720 $743 $1,405 $422 $56,200 16,041 Little River County HMFA $374 $25,320 28% $14,940 $12.17 $16.44 1.4 $633 $855 1,445 $1,245 $49,800 0.7 Little Rock-North Little Rock-Conway HMFA $32,440 36% $19,890 $15.60 $13.89 1.8 1.1 $722 98,435 $66,300 $497 $1,658 $811 Memphis HMFA $543 $19,260 $16.02 $10.45 1.9 1.5 43% 7,931 $33,320 $1,605 $482 $64,200 $833 Pine Bluff MSA 12,315 35% $13.29 $11.36 1.6 1.2 $591 $14,370 $47,900 $27,640 $1,198 $359 $691 Poinsett County HMFA $12,990 $12.17 $11.37 1.4 1.1 $591 3,581 38% $43,300 $325 $1,083 $633 $25,320 Texarkana HMFA $31,800 1.3 $52,200 $392 $1,305 $795 5,974 35% $15,660 $15.29 $11.94 1.8 $621 Counties 35% $14,640 $12.19 $14.49 1.4 0.8 $754 Arkansas County 2,718 $366 $1,220 $634 $25,360 $48,800 2,075 $46,300 $347 $1,158 $633 $25,320 25% $13,890 $12.17 $12.89 1.4 0.9 $670 Ashley County 4,453 $14,610 $619 1.1 1.6 $11.90 $13.19 Baxter County 25% $27,440 $686 $1,218 $365 $48,700 $19,620 Benton County $491 $1,635 $723 $28,920 33% $65,400 $13.90 $19.32 1.6 0.7 $1,005 29,090 $633 1.0 1.4 28% $11.91 $12.17 $619 $1,220 $366 $48,800 4,169 Boone County $25,320 $14,640 $505 1,614 $44,100 $331 $1,103 $659 Bradley County 35% $13,230 $12.67 $9.71 1.5 1.3 $26,360 $646 $1,230 $369 $49,200 379 Calhoun County $673 1.5 $12.94 $12.42 $14,760 18% $25,840 1.0 † Wage data not available (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 31 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

38 ARKANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Carroll County $360 $1,200 $655 $26,200 24% $14,400 $12.60 $11.20 1.5 1.1 $582 2,608 $48,000 34% $25,320 1.4 1.4 $8.61 $12.17 $10,950 $448 $633 $913 $274 $36,500 1,482 Chicot County 3,239 Clark County $1,338 $401 $53,500 $633 $25,320 37% $16,050 $12.17 $9.56 1.4 1.3 $497 $13,800 Clay County $345 $1,150 $633 $25,320 27% $46,000 $12.17 $7.62 1.4 1.6 $396 1,770 $466 2,558 $55,100 $413 $1,378 $673 $26,920 25% $16,530 $12.94 $8.96 1.5 1.4 Cleburne County $14,370 25% $9.78 1.6 1.4 $508 $691 $359 $47,900 823 Cleveland County $27,640 $13.29 $1,198 $562 3,222 $53,700 $403 $1,343 $633 Columbia County 34% $16,110 $12.17 $10.81 1.4 1.1 $25,320 1.6 1.6 $8.43 $13.62 $15,510 27% $28,320 $708 $1,293 $388 $51,700 2,291 Conway County $439 $29,720 1.3 16,041 $56,200 $422 $1,405 $743 Craighead County 41% $16,860 $14.29 $10.87 1.7 $565 $27,880 24% $15,870 $13.40 $10.69 1.6 1.3 $556 Crawford County 5,557 $52,900 $397 $1,323 $697 43% $543 $64,200 $482 $1,605 $833 $33,320 7,931 $19,260 $16.02 $10.45 1.9 1.5 Crittenden County $434 Cross County 2,279 $49,200 $369 $1,230 $696 $27,840 34% $14,760 $13.38 $8.35 1.6 1.6 $633 1.1 1.4 $11.52 $12.17 $14,730 33% $25,320 $1,228 $368 $49,100 1,060 Dallas County $599 44% $629 $39,200 $294 $980 $633 $25,320 2,299 $11,760 $12.17 $12.09 1.4 1.0 Desha County 37% Drew County 2,641 $48,100 $361 $1,203 $640 $421 1.5 1.4 $8.09 $12.31 $14,430 $25,600 $811 $32,440 38% $19,890 $15.60 $11.19 1.8 1.4 $582 Faulkner County 16,401 $66,300 $497 $1,658 $48,200 1,820 $1,205 $642 $25,680 27% $14,460 $12.35 $9.79 1.5 1.3 $509 Franklin County $362 $5.98 $45,700 $633 $25,320 22% $13,710 $12.17 $1,143 1.4 2.0 $311 1,178 $343 Fulton County $52,700 $395 $1,318 $771 $30,840 34% $15,810 Garland County $9.94 1.7 1.5 $517 13,585 $14.83 1,405 $451 $1,503 $650 $26,000 20% $60,100 $12.50 $11.26 1.5 1.1 $586 Grant County $18,030 $593 $673 $16,470 $12.94 $11.41 Greene County 5,631 34% $26,920 1.5 1.1 $1,373 $412 $54,900 32% Hempstead County $44,000 $330 $1,100 $641 $25,640 2,490 $13,200 $12.33 $10.26 1.5 1.2 $533 1.3 $486 1.5 $9.35 $12.56 $15,210 27% Hot Spring County $653 $1,268 $380 $50,700 3,305 $26,120 $508 1,678 $45,200 $339 $1,130 $633 Howard County 33% $13,560 $12.17 $9.77 1.4 1.2 $25,320 $14,250 28% $25,320 $633 $1,188 $356 $47,500 4,069 Independence County 1.2 $10.34 $12.17 1.4 $538 $633 $25,320 22% $13,350 $12.17 $9.55 1.4 1.3 $497 Izard County 1,183 $44,500 $334 $1,113 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 32

39 ARKANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Jackson County $316 $1,053 $633 $25,320 31% $12,630 $12.17 $10.12 1.4 1.2 $526 1,954 $42,100 38% $27,640 1.1 1.6 $11.57 $13.29 $14,370 $602 $691 $1,198 $359 $47,900 10,379 Jefferson County 2,861 Johnson County $1,128 $338 $45,100 $651 $26,040 29% $13,530 $12.52 $9.84 1.5 1.3 $512 $12,810 Lafayette County $320 $1,068 $633 $25,320 28% $42,700 $12.17 $9.70 1.4 1.3 $505 818 $467 2,135 $43,300 $325 $1,083 $633 $25,320 32% $12,990 $12.17 $8.98 1.4 1.4 Lawrence County $11,160 45% $9.73 1.4 1.3 $506 $633 $279 $37,200 1,590 Lee County $25,320 $12.17 $930 $484 1,113 $47,900 $359 $1,198 $691 Lincoln County 28% $14,370 $13.29 $9.30 1.6 1.4 $27,640 0.7 1.4 $16.44 $12.17 $14,940 28% $25,320 $633 $1,245 $374 $49,800 1,445 Little River County $855 $25,320 1.2 2,145 $44,800 $336 $1,120 $633 Logan County 26% $13,440 $12.17 $10.07 1.4 $524 $32,440 31% $19,890 $15.60 $9.74 1.8 1.6 $506 Lonoke County 7,936 $66,300 $497 $1,658 $811 24% $523 $65,400 $491 $1,635 $723 $28,920 1,538 $19,620 $13.90 $10.05 1.6 1.4 Madison County $432 Marion County 1,402 $45,600 $342 $1,140 $633 $25,320 21% $13,680 $12.17 $8.30 1.4 1.5 $795 1.3 1.8 $11.94 $15.29 $15,660 35% $31,800 $1,305 $392 $52,200 5,974 Miller County $621 43% $780 $44,300 $332 $1,108 $651 $26,040 7,279 $13,290 $12.52 $15.00 1.5 0.8 Mississippi County 36% Monroe County 1,193 $38,100 $286 $953 $633 $411 1.5 1.4 $7.90 $12.17 $11,430 $25,320 $633 $25,320 20% $13,260 $12.17 $8.93 1.4 1.4 $465 Montgomery County 751 $44,200 $332 $1,105 $637 Nevada County $338 $1,125 $643 $25,720 28% $13,500 $12.37 $12.25 1.5 1.0 $45,000 997 Newton County † $45,000 $338 $1,125 $633 483 15% $13,500 $12.17 1.4 $25,320 Ouachita County 3,332 $45,000 $338 $1,125 $633 $25,320 32% $13,500 $12.17 $10.42 1.4 1.2 $542 20% Perry County $66,300 $497 $1,658 $811 $32,440 764 $19,890 $15.60 $8.76 1.8 1.8 $456 $10,020 1.4 1.1 $559 Phillips County 4,070 $33,400 $251 $835 $633 $25,320 51% $12.17 $10.76 $12.17 1,073 $1,153 $633 $25,320 25% $13,830 $346 $8.89 1.4 1.4 $462 $46,100 Pike County $43,300 Poinsett County $591 1.1 1.4 $11.37 $12.17 $12,990 38% $25,320 $633 $1,083 $325 3,581 $25,320 $571 1.1 1.4 $10.98 $12.17 $13,440 23% $633 $1,120 $336 $44,800 1,822 Polk County Pope County $51,800 $389 $1,295 $654 $26,160 7,537 $15,540 $12.58 $12.04 1.5 1.0 $626 33% 1.2 $524 $1,130 $25,320 $339 31% $45,200 1,177 Prairie County $633 $12.17 $10.08 1.4 $13,560 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 33 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

40 ARKANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pulaski County $497 $1,658 $811 $32,440 41% $19,890 $15.60 $14.89 1.8 1.0 $774 63,790 $66,300 28% $633 1.5 1.4 $8.22 $12.17 $14,490 $428 $25,320 Randolph County 2,032 $48,300 $362 $1,208 $25,320 1.3 1.4 $9.69 $12.17 $11,820 42% $633 $985 $296 $39,400 3,924 St. Francis County $504 22% $572 $66,300 $497 $1,658 $811 $32,440 9,544 $19,890 $15.60 $11.01 1.8 1.4 Saline County $400 1.6 1.4 $7.69 $12.17 $12,960 27% $25,320 $633 $1,080 $324 $43,200 1,087 Scott County $633 $289 2.2 1.4 $5.56 $12.17 20% $1,075 $323 $43,000 644 Searcy County $12,900 $25,320 $644 20,339 $52,900 $397 $1,323 $697 Sebastian County 40% $15,870 $13.40 $12.39 1.6 1.1 $27,880 $25,320 26% $14,640 $12.17 $9.81 1.4 1.2 $510 Sevier County 1,547 $48,800 $366 $1,220 $633 $25,320 1.3 1.4 $9.66 $12.17 $12,270 24% $502 $633 $1,023 $307 $40,900 1,793 Sharp County 1.4 $7.84 $12.17 $12,390 24% $25,320 $633 $1,033 $310 $41,300 1,204 Stone County 1.6 $408 $634 $25,360 29% $15,540 $12.19 $15.18 1.4 0.8 $789 Union County 4,673 $51,800 $389 $1,295 $12.17 $47,200 $1,180 $633 $25,320 22% $14,160 $354 $10.72 1.4 1.1 $558 1,473 Van Buren County $491 $65,400 Washington County $744 1.0 1.6 $14.31 $13.90 $19,620 46% $28,920 $723 $1,635 38,796 9,409 White County $551 1.2 1.5 $10.60 $12.63 $16,950 32% $26,280 $657 $1,413 $424 $56,500 Woodruff County $41,100 $308 $1,028 $633 $25,320 1,036 $12,330 $12.17 $8.23 1.4 1.5 $428 35% $25,320 $13,950 $12.17 $10.54 1.4 1.2 $548 $633 31% $1,163 $349 $46,500 2,344 Yell County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 34

41 S TAT E S TAT E * RANKING RANKING # CALIFORNIA 3 In , the Fair Market Rent (FMR) for a two-bedroom apartment is California $32.68 . In order to afford this level of rent and utilities — without paying more $1,699 PER HOUR monthly or $5,665 than 30% of income on housing — a household must earn $67,976 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT CALIFORNIA: STATE FACTS 119 93 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $11.00 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $21.50 2-Bedroom Housing Wage $32.68 2.3 3 Number of Full-Time Jobs At Number of Full-Time Jobs At 5,878,380 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 46% Two bedroom FMR $1,699 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,335 Rent affordable at San Francisco HMFA $60.02 $2,010 area median income (AMI) Rent affordable with full-time job paying $1,118 San Jose-Sunnyvale-Santa Clara HMFA $48.50 mean renter wage Rent affordable at 30% of AMI $603 $44.79 Oakland-Fremont HMFA Rent affordable with full-time job $572 paying minimum wage $37.79 Santa Cruz-Watsonville MSA Rent affordable to SSI recipient $272 $36.87 S anta Maria-Santa Barbara MSA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 35

42 CALIFORNIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage California 5,878,380 $21.50 $1,118 3.0 1.5 $32.68 $603 $24,115 $80,383 $2,010 $1,699 $67,976 46% Combined Nonmetro Areas $451 115,571 $1,505 $18.36 $12.10 1.7 1.5 $629 $955 $60,191 $18,057 $38,199 35% Metropolitan Areas $1,468 $683 1.6 Bakersfield MSA $58,700 $440 113,028 $904 $36,160 43% $17,610 $17.38 $13.14 1.3 $992 35,454 $652 1.5 1.7 $12.53 $19.08 $18,150 41% $39,680 $1,513 $454 $60,500 Chico MSA $36,040 $362 $48,200 El Centro MSA $1,205 $14,460 44% $901 20,256 $17.33 $459 $8.82 1.6 2.0 142,229 $647 $18.42 $12.44 1.7 1.5 $16,650 47% $38,320 $958 $1,388 $416 $55,500 Fresno MSA $929 $416 $55,400 Hanford-Corcoran MSA $37,160 50% $16,620 $1,385 20,865 $700 1.3 1.6 $13.47 $17.87 54% $66,520 $1,663 $1,071 $520 $69,300 Los Angeles-Long Beach-Glendale HMFA 1,782,269 1.6 2.9 $20.59 $31.98 $20,790 $1,733 $18.50 $12.81 1.7 1.4 $666 17,116 $414 $1,380 $962 $38,480 39% $16,560 $55,200 Madera MSA $13.15 $48,200 $362 $1,205 48% $14,460 $15.19 $31,600 1.4 1.2 $684 37,381 Merced MSA $790 $18,210 43% $41,400 $1,035 $1,518 $455 $60,700 Modesto MSA $14.12 73,980 $19.90 1.4 1.8 $734 Napa MSA $88,500 $664 $2,213 $1,575 $63,000 38% $26,550 18,964 1.6 2.8 $18.39 $30.29 $956 43% $104,400 $783 $2,610 $2,329 $93,160 Oakland-Fremont HMFA $31,320 405,144 $44.79 $22.07 4.1 2.0 $1,148 $69,560 37% $28,800 $33.44 $17.19 3.0 1.9 $894 98,461 Oxnard-Thousand Oaks-Ventura MSA $96,000 $720 $2,400 $1,739 $17.60 $13.19 1.6 1.3 $686 26,421 $18,420 $461 Redding MSA $1,535 $915 $36,600 38% $61,400 504,138 $65,800 $494 $1,645 $1,156 $46,240 38% $19,740 $22.23 $13.81 2.0 1.6 $718 Riverside-San Bernardino-Ontario MSA $24,030 Sacramento--Roseville--Arden-Arcade HMFA $80,100 $601 $2,003 $1,086 $43,440 40% $20.88 $16.28 1.9 1.3 $847 294,038 $1,728 50% $57,320 $1,433 Salinas MSA $518 $69,100 $20,730 $825 $27.56 $15.86 2.5 1.7 63,315 38% San Benito County HMFA $23,940 $67,960 $1,699 $1,995 $599 $79,800 $32.67 $13.32 3.0 2.5 $692 6,566 $1,816 San Diego-Carlsbad MSA * $81,800 $614 $2,045 $72,640 47% $24,540 521,493 $1,048 1.7 $34.92 $20.14 3.2 $1,983 1.6 5.5 370,332 $38.13 $60.02 San Francisco HMFA 51% $35,520 $3,121 $2,960 $888 $118,400 $124,840 * 50th percentile FMR (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 36 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

43 CALIFORNIA AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $3,130 $2,522 $100,880 43% $37,560 $48.50 $42.95 4.4 1.1 $2,233 272,324 $125,200 $939 San Jose-Sunnyvale-Santa Clara HMFA $24,180 $2,015 $1,427 $57,080 41% $80,600 $27.44 $13.90 2.5 $605 2.0 $723 42,780 San Luis Obispo-Paso Robles-Arroyo Grande MSA $695 $2,318 $1,876 $75,040 43% $36.08 $20.22 3.3 1.8 $1,051 435,506 $27,810 $92,700 Santa Ana-Anaheim-Irvine HMFA $24,420 $611 $81,400 40,209 $78,600 42% $1,965 $37.79 $14.62 3.4 2.6 $760 $2,035 Santa Cruz-Watsonville MSA 48% $76,680 $1,917 $1,990 $597 $79,600 68,611 $886 2.2 3.4 $17.04 $36.87 $23,880 Santa Maria-Santa Barbara MSA $25,230 $911 2.0 3.2 $17.52 $35.44 76,269 40% $73,720 $1,843 $2,103 $631 $84,100 Santa Rosa MSA $13.63 44% $39,600 $990 $1,593 $478 1.7 $19,110 $709 98,257 $63,700 $19.04 1.4 Stockton-Lodi MSA $53,640 41% $25,110 $25.79 $17.57 2.3 $1,341 $914 59,232 $628 $83,700 $2,093 1.5 Vallejo-Fairfield MSA Visalia-Porterville MSA 44% $16.19 $11.65 1.5 1.4 $606 58,392 $49,200 $369 $1,230 $842 $14,760 $33,680 49% $23.13 $14.40 2.1 1.6 $749 35,350 $48,120 $1,203 $2,128 $638 $85,100 $25,530 Yolo HMFA $18,000 $450 $1,500 $887 $35,480 42% $60,000 $17.06 $12.70 1.6 1.3 $660 24,429 Yuba City MSA Counties $44.79 $22.56 4.1 2.0 $1,173 Alameda County $104,400 $783 $2,610 267,659 $2,329 $93,160 47% $31,320 63 Alpine County $584 $1,945 $940 $37,600 18% $23,340 $18.08 $10.58 1.6 1.7 $550 $77,800 $20.29 3,470 $1,840 $1,055 $42,200 24% $22,080 $552 $10.46 1.8 1.9 $544 Amador County $73,600 35,454 $60,500 $454 $1,513 $992 $39,680 41% Butte County $19.08 $12.53 1.7 1.5 $652 $18,150 Calaveras County $72,300 $542 $1,808 $902 $36,080 4,070 $21,690 $17.35 $11.02 1.6 1.6 $573 23% Colusa County 2,473 $59,500 $446 $1,488 $769 $856 $34,240 36% $17,850 $16.46 $14.78 1.5 1.1 Contra Costa County 137,485 $783 $2,610 $2,329 $93,160 35% $31,320 $44.79 $21.07 4.1 2.1 $1,096 $104,400 $16,590 Del Norte County $415 $1,383 $893 $35,720 39% $55,300 $17.17 $10.96 1.6 1.6 $570 3,695 El Dorado County 16,914 $80,100 $601 $2,003 $1,086 $43,440 25% $24,030 $20.88 $12.46 1.9 1.7 $648 $16,650 Fresno County $416 $1,388 $958 $38,320 47% $55,500 $18.42 $12.44 1.7 1.5 $647 142,229 $625 4,166 $53,100 $398 $1,328 $813 $32,520 43% $15,930 $15.63 $12.02 1.4 1.3 Glenn County 1.5 45% $38,240 $956 $1,368 $410 $54,700 23,987 Humboldt County $626 1.7 $12.05 $18.38 $16,410 * 50th percentile FMR (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 37 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

44 CALIFORNIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Imperial County $362 $1,205 $901 $36,040 44% $14,460 $17.33 $8.82 1.6 2.0 $459 20,256 $48,200 35% $36,680 1.4 1.6 $12.95 $17.63 $21,330 $673 $917 $1,778 $533 $71,100 2,769 Inyo County 113,028 Kern County $1,468 $440 $58,700 $904 $36,160 43% $17,610 $17.38 $13.14 1.6 1.3 $683 $16,620 Kings County $416 $1,385 $929 $37,160 50% $55,400 $17.87 $13.47 1.6 1.3 $700 20,865 $626 9,646 $50,100 $376 $1,253 $914 $36,560 37% $15,030 $17.58 $12.05 1.6 1.5 Lake County $20,400 35% $11.28 1.5 1.5 $587 $868 $510 $68,000 3,365 Lassen County $34,720 $16.69 $1,700 $1,071 1,782,269 $69,300 $520 $1,733 $1,663 Los Angeles County 54% $20,790 $31.98 $20.59 2.9 1.6 $66,520 1.4 1.7 $12.81 $18.50 $16,560 39% $38,480 $962 $1,380 $414 $55,200 17,116 Madera County $666 $124,840 3.0 38,200 $118,400 $888 $2,960 $3,121 Marin County 37% $35,520 $60.02 $20.08 5.5 $1,044 $36,480 30% $19,260 $17.54 $11.09 1.6 1.6 $577 Mariposa County 2,203 $64,200 $482 $1,605 $912 43% $577 $60,600 $455 $1,515 $1,033 $41,320 14,830 $18,180 $19.87 $11.10 1.8 1.8 Mendocino County $684 Merced County 37,381 $48,200 $362 $1,205 $790 $31,600 48% $14,460 $15.19 $13.15 1.4 1.2 $697 1.0 1.2 $12.78 $13.40 $15,120 25% $27,880 $1,260 $378 $50,400 930 Modoc County $665 45% $720 $77,500 $581 $1,938 $1,229 $49,160 2,217 $23,250 $23.63 $13.84 2.1 1.7 Mono County 50% Monterey County 63,315 $69,100 $518 $1,728 $1,433 $825 1.7 2.5 $15.86 $27.56 $20,730 $57,320 $1,575 $63,000 38% $26,550 $30.29 $18.39 2.8 1.6 $956 Napa County 18,964 $88,500 $664 $2,213 $70,000 11,305 $1,750 $1,186 $47,440 28% $21,000 $22.81 $14.11 2.1 1.6 $734 Nevada County $525 $20.22 $92,700 $1,876 $75,040 43% $27,810 $36.08 $2,318 3.3 1.8 $1,051 435,506 $695 Orange County $80,100 $601 $2,003 $1,086 $43,440 30% $24,030 Placer County $16.69 1.9 1.3 $868 40,906 $20.88 2,409 $475 $1,583 $862 $34,480 29% $63,300 $16.58 $9.15 1.5 1.8 $476 Plumas County $18,990 $692 $1,156 $19,740 $22.23 $13.32 Riverside County 250,792 36% $46,240 2.0 1.7 $1,645 $494 $65,800 45% Sacramento County $80,100 $601 $2,003 $1,086 $43,440 236,218 $24,030 $20.88 $16.52 1.9 1.3 $859 2.5 $692 3.0 $13.32 $32.67 $23,940 38% San Benito County $1,699 $1,995 $599 $79,800 6,566 $67,960 $742 253,346 $65,800 $494 $1,645 $1,156 San Bernardino County 41% $19,740 $22.23 $14.28 2.0 1.6 $46,240 $24,540 47% $72,640 $1,816 $2,045 $614 $81,800 521,493 San Diego County * 1.7 $20.14 $34.92 3.2 $1,048 $3,121 $124,840 63% $35,520 $60.02 $40.16 5.5 1.5 $2,088 San Francisco County 225,466 $118,400 $888 $2,960 * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 38

45 CALIFORNIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage San Joaquin County $478 $1,593 $990 $39,600 44% $19,110 $19.04 $13.63 1.7 1.4 $709 98,257 $63,700 $723 $1,427 $2,015 $605 $80,600 42,780 San Luis Obispo County $57,080 41% $24,180 $27.44 $13.90 2.5 2.0 41% $2,062 $118,400 $888 $2,960 $3,121 $124,840 106,666 $35,520 $60.02 $39.65 5.5 1.5 San Mateo County Santa Barbara County $886 2.2 3.4 $17.04 $36.87 $23,880 48% $76,680 $1,917 $1,990 $597 $79,600 68,611 $100,880 $2,233 272,324 $125,200 $939 $3,130 $2,522 Santa Clara County 43% $37,560 $48.50 $42.95 4.4 1.1 $1,965 $24,420 $78,600 Santa Cruz County 40,209 $81,400 $611 42% $2,035 $37.79 $14.62 3.4 2.6 $760 $18,420 $61,400 $461 $1,535 $915 $36,600 38% Shasta County $17.60 $13.19 1.6 1.3 $686 26,421 $511 251 $65,800 $494 $1,645 $1,191 $47,640 20% $19,740 $22.90 $9.83 2.1 2.3 Sierra County $32,840 36% $14,460 $15.79 $11.00 1.4 1.4 $572 Siskiyou County 6,922 $48,200 $362 $1,205 $821 $53,640 $914 59,232 $83,700 $628 $2,093 $1,341 Solano County 41% $25,110 $25.79 $17.57 2.3 1.5 $1,843 3.2 $17.52 $35.44 $25,230 40% $73,720 $911 $2,103 $631 $84,100 76,269 Sonoma County 2.0 $41,400 1.4 73,980 $60,700 $455 $1,518 $1,035 Stanislaus County 43% $18,210 $19.90 $14.12 1.8 $734 $887 $35,480 43% $18,000 $17.06 $12.30 1.6 1.4 $639 Sutter County 13,738 $60,000 $450 $1,500 $15,390 Tehama County $385 $1,283 $820 $32,800 34% $51,300 $15.77 $13.04 1.4 1.2 $678 7,929 $470 1,772 $51,800 $389 $1,295 $847 $33,880 32% $15,540 $16.29 $9.04 1.5 1.8 Trinity County $49,200 Tulare County 58,392 $369 $1,230 $842 $33,680 44% $14,760 $16.19 $11.65 1.5 1.4 $606 $18,960 $63,200 $474 $1,580 $957 $38,280 32% Tuolumne County $18.40 $11.43 1.7 1.6 $594 7,099 $69,560 Ventura County 1.9 $894 $1,739 37% $28,800 $33.44 $17.19 3.0 $2,400 $720 $96,000 98,461 $25,530 35,350 $85,100 $638 $2,128 $1,203 $48,120 49% Yolo County $23.13 $14.40 2.1 1.6 $749 42% $711 $60,000 $450 $1,500 $887 $35,480 10,691 $18,000 $17.06 $13.67 1.6 1.2 Yuba County * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 39 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

46 S TAT E S TAT E * RANKING RANKING # COLORADO 11 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Colorado $23.93 . In order to afford this level of rent and utilities — without paying more $1,245 PER HOUR monthly or $4,148 than 30% of income on housing — a household must earn $49,780 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT COLORADO: STATE FACTS 94 74 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $10.20 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $17.59 2-Bedroom Housing Wage $23.93 1.9 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 730,999 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 36% Two bedroom FMR $1,245 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $987 Rent affordable at Pitkin County $33.40 $2,099 area median income (AMI) Rent affordable with full-time job paying $915 Boulder MSA $28.10 mean renter wage Rent affordable at 30% of AMI $630 $28.00 Eagle County Rent affordable with full-time job $530 paying minimum wage $28.00 San Miguel County Rent affordable to SSI recipient $233 $27.29 S ummit County $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 40

47 COLORADO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Colorado $83,968 2.3 730,999 $1,245 $2,099 36% $49,780 $630 $17.59 $23.93 $915 1.4 $25,190 Combined Nonmetro Areas $976 $66,094 $19,828 $496 84,399 32% $1,652 $18.77 $13.21 1.8 1.4 $687 $39,052 Metropolitan Areas Boulder MSA $925 1.6 2.8 $17.79 $28.10 $32,580 38% $58,440 $1,461 $2,715 $815 $108,600 47,176 Colorado Springs HMFA $19.62 $1,943 $1,020 $40,800 $77,700 $583 37% $23,310 $15.09 1.9 1.3 $785 93,035 Denver-Aurora-Lakewood MSA $1,418 1.4 $89,900 $674 388,229 $1,039 $2,248 2.7 $19.99 $27.27 $26,970 37% $56,720 Fort Collins MSA 1.5 $85,100 $638 $25,530 $21.27 $13.76 2.1 $44,240 $716 45,386 $2,128 $1,106 36% Grand Junction MSA $63,900 $33,760 19,026 $602 1.4 1.6 $11.58 $16.23 $19,170 32% $844 $1,598 $479 Greeley MSA $13.64 1.3 $709 1.8 $618 $2,060 $937 $37,480 30% $24,720 $18.02 28,964 $82,400 Pueblo MSA $770 $12.06 $14.81 $16,590 36% $30,800 1.2 $1,383 $415 $55,300 22,867 $627 1.5 Teller County HMFA 1.9 2.0 $10.63 $20.08 $24,210 20% $41,760 $605 $80,700 $1,044 1,917 $553 $2,018 Counties 56,469 $56,720 $1,418 $2,248 $674 $89,900 36% Adams County $842 1.7 2.7 $16.20 $27.27 $26,970 43% $30,240 $756 $1,288 $386 $51,500 2,562 Alamosa County $535 1.4 1.4 $10.29 $14.54 $15,450 $26,970 Arapahoe County $674 $2,248 $1,418 $56,720 38% $89,900 $27.27 $20.34 2.7 1.3 $1,057 87,690 Archuleta County 1,359 $63,100 $473 $1,578 $913 $36,520 25% $18,930 $17.56 $11.66 1.7 1.5 $606 $697 $356 Baca County 409 $27,880 26% $14,220 $13.40 $11.02 1.3 1.2 $573 $1,185 $47,400 $740 $1,103 $331 $44,100 554 32% Bent County $29,600 $13,230 $14.23 $12.26 1.4 1.2 $637 $28.10 47,176 $2,715 $1,461 $58,440 38% $32,580 $815 $17.79 2.8 1.6 $925 $108,600 Boulder County $89,900 Broomfield County $1,414 1.0 2.7 $27.19 $27.27 $26,970 32% $56,720 $1,418 $2,248 $674 7,935 Chaffee County $494 1.7 1.6 $9.50 $16.58 $19,710 24% $34,480 $862 $1,643 $493 $65,700 1,868 Cheyenne County $66,500 $499 $1,663 $698 $27,920 185 $19,950 $13.42 $19.48 1.3 0.7 $1,013 24% 1.9 $14.08 $27.27 $26,970 22% $56,720 $1,418 $732 $2,248 $674 $89,900 971 Clear Creek County 2.7 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 41 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

48 COLORADO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Conejos County $384 $1,280 $697 $27,880 21% $15,360 $13.40 $8.03 1.3 1.7 $417 599 $51,200 24% $29,720 1.6 1.4 $8.75 $14.29 $12,870 $455 $743 $1,073 $322 $42,900 356 Costilla County 244 Crowley County $1,098 $329 $43,900 $722 $28,880 21% $13,170 $13.88 $13.61 1.4 1.0 $708 $14,490 Custer County $362 $1,208 $712 $28,480 20% $48,300 $13.69 $9.79 1.3 1.4 $509 381 $461 3,538 $54,700 $410 $1,368 $911 $36,440 29% $16,410 $17.52 $8.86 1.7 2.0 Delta County $26,970 51% $22.83 2.7 1.2 $1,187 $1,418 $674 $89,900 142,202 Denver County $56,720 $27.27 $2,248 $823 172 $41,000 $308 $1,025 $697 Dolores County 24% $12,300 $13.40 $15.82 1.3 0.8 $27,880 1.4 2.7 $19.33 $27.27 $26,970 20% $56,720 $1,418 $2,248 $674 $89,900 23,287 Douglas County $1,005 $58,240 1.9 5,606 $86,900 $652 $2,173 $1,456 Eagle County 32% $26,070 $28.00 $14.59 2.7 $759 $56,720 11% $26,970 $27.27 $11.67 2.7 2.3 $607 Elbert County 961 $89,900 $674 $2,248 $1,418 37% $785 $77,700 $583 $1,943 $1,020 $40,800 93,035 $23,310 $19.62 $15.09 1.9 1.3 El Paso County $493 Fremont County 4,475 $51,600 $387 $1,290 $776 $31,040 27% $15,480 $14.92 $9.49 1.5 1.6 $1,112 1.3 2.1 $16.14 $21.38 $21,450 34% $44,480 $1,788 $536 $71,500 7,076 Garfield County $840 22% $817 $89,900 $674 $2,248 $1,418 $56,720 563 $26,970 $27.27 $15.71 2.7 1.7 Gilpin County 30% Grand County 1,742 $75,900 $569 $1,898 $1,032 $542 1.9 1.9 $10.43 $19.85 $22,770 $41,280 $901 $36,040 41% $20,760 $17.33 $10.28 1.7 1.7 $535 Gunnison County 2,721 $69,200 $519 $1,730 108 Hinsdale County $580 $1,933 $819 $32,760 27% $23,190 $15.75 $8.18 1.5 1.9 $426 $77,300 $14.27 810 $1,158 $742 $29,680 26% $13,890 $347 $8.46 1.4 1.7 $440 Huerfano County $46,300 195 $63,000 $473 $1,575 $858 $34,320 32% Jackson County $16.50 $13.21 1.6 1.2 $687 $18,900 Jefferson County $89,900 $674 $2,248 $1,418 $56,720 66,893 $26,970 $27.27 $15.87 2.7 1.7 $825 30% $1,021 $817 $16,260 $15.71 $19.64 1.5 Kiowa County 26% $32,680 0.8 $1,355 $407 $54,200 150 30% Kit Carson County $55,400 $416 $1,385 $697 $27,880 905 $16,620 $13.40 $10.96 1.3 1.2 $570 1.3 $700 1.7 $13.46 $17.62 $20,160 44% Lake County $916 $1,680 $504 $67,200 1,384 $36,640 $722 6,984 $78,500 $589 $1,963 $1,043 La Plata County 32% $23,550 $20.06 $13.89 2.0 1.4 $41,720 $25,530 36% $44,240 $1,106 $2,128 $638 $85,100 45,386 Larimer County 1.5 $13.76 $21.27 2.1 $716 $845 $33,800 31% $17,340 $16.25 $11.93 1.6 1.4 $620 Las Animas County 1,898 $57,800 $434 $1,445 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 42 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

49 COLORADO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lincoln County $440 $1,468 $749 $29,960 30% $17,610 $14.40 $10.62 1.4 1.4 $552 454 $58,700 37% $30,800 1.3 1.5 $11.51 $14.81 $17,760 $598 $770 $1,480 $444 $59,200 2,967 Logan County 19,026 Mesa County $1,598 $479 $63,900 $844 $33,760 32% $19,170 $16.23 $11.58 1.6 1.4 $602 $22,110 Mineral County $553 $1,843 $886 $35,440 13% $73,700 $17.04 $8.54 1.7 2.0 $444 55 $736 1,428 $70,700 $530 $1,768 $809 $32,360 29% $21,210 $15.56 $14.16 1.5 1.1 Moffat County $16,440 30% $12.05 1.4 1.2 $627 $726 $411 $54,800 3,058 Montezuma County $29,040 $13.96 $1,370 $583 5,041 $57,300 $430 $1,433 $880 Montrose County 30% $17,190 $16.92 $11.22 1.7 1.5 $35,200 1.0 1.4 $15.08 $14.67 $16,770 34% $30,520 $763 $1,398 $419 $55,900 3,584 Morgan County $784 $31,440 1.5 2,652 $44,400 $333 $1,110 $786 Otero County 36% $13,320 $15.12 $9.96 1.5 $518 $45,720 29% $23,790 $21.98 $14.55 2.2 1.5 $756 Ouray County 628 $79,300 $595 $1,983 $1,143 17% $627 $89,900 $674 $2,248 $1,418 $56,720 1,258 $26,970 $27.27 $12.05 2.7 2.3 Park County $788 Phillips County 576 $61,400 $461 $1,535 $721 $28,840 33% $18,420 $13.87 $15.15 1.4 0.9 $1,737 1.7 3.3 $19.17 $33.40 $32,370 37% $69,480 $2,698 $809 $107,900 2,827 Pitkin County $997 35% $438 $50,200 $377 $1,255 $697 $27,880 1,713 $15,060 $13.40 $8.43 1.3 1.6 Prowers County 36% Pueblo County 22,867 $55,300 $415 $1,383 $770 $627 1.2 1.5 $12.06 $14.81 $16,590 $30,800 $806 $32,240 33% $23,640 $15.50 $18.92 1.5 0.8 $984 Rio Blanco County 801 $78,800 $591 $1,970 1,528 Rio Grande County $395 $1,318 $697 $27,880 33% $15,810 $13.40 $12.10 1.3 1.1 $629 $52,700 $23.77 3,079 $2,168 $1,236 $49,440 33% $26,010 $650 $15.11 2.3 1.6 $786 Routt County $86,700 703 $46,800 $351 $1,170 $697 $27,880 28% Saguache County $13.40 $12.67 1.3 1.1 $659 $14,040 San Juan County $57,000 $428 $1,425 $1,238 $49,520 88 $17,100 $23.81 $10.13 2.3 2.4 $527 31% $773 $1,456 $23,100 $28.00 $14.87 2.7 San Miguel County 41% $58,240 1.9 $1,925 $578 $77,000 1,326 30% Sedgwick County $58,700 $440 $1,468 $697 $27,880 305 $17,610 $13.40 $10.91 1.3 1.2 $568 2.3 $611 2.7 $11.76 $27.29 $27,180 33% Summit County $1,419 $2,265 $680 $90,600 3,182 $56,760 $553 1,917 $80,700 $605 $2,018 $1,044 Teller County 20% $24,210 $20.08 $10.63 2.0 1.9 $41,760 $17,910 30% $27,880 $697 $1,493 $448 $59,700 596 Washington County 0.8 $16.23 $13.40 1.3 $844 $937 $37,480 30% $24,720 $18.02 $13.64 1.8 1.3 $709 Weld County 28,964 $82,400 $618 $2,060 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 43 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

50 COLORADO HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage 38% $17,520 $13.40 $12.77 1.3 1.0 $664 Yuma County $58,400 $438 $1,460 1,527 $697 $27,880 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 44 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

51 S TAT E S TAT E * RANKING RANKING # 9 CONNECTICUT In Connecticut , the Fair Market Rent (FMR) for a two-bedroom apartment $24.90 $1,295 is . In order to afford this level of rent and utilities — without paying PER HOUR $4,317 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $51,799 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT CONNECTICUT: STATE FACTS 79 99 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $10.10 (at FMR) Rental Home (at FMR) Rental Home $17.38 Average Renter Wage 2-Bedroom Housing Wage $24.90 2 2.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 454,490 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 34% Two bedroom FMR $1,295 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,040 Rent affordable at $38.19 Stamford-Norwalk HMFA $2,439 area median income (AMI) Rent affordable with full-time job paying $904 $30.94 Danbury HMFA mean renter wage Rent affordable at 30% of AMI $732 $26.65 Southern Middlesex County HMFA Rent affordable with full-time job $525 paying minimum wage Milford-Ansonia-Seymour HMFA $25.19 Rent affordable to SSI recipient $275 $24.98 N ew Haven-Meriden HMFA $1,000 $2,500 $3,000 $500 $0 $2,000 $1,500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 45

52 CONNECTICUT FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Connecticut 2.5 $97,574 $29,272 1.4 $904 $51,799 $1,295 $732 454,490 $2,439 $17.38 $24.90 34% Combined Nonmetro Areas $726 17,326 $2,420 $21.00 $12.23 2.1 1.7 $636 $1,092 $96,800 $29,040 $43,680 23% Metropolitan Areas Bridgeport HMFA $2,345 $1,272 $50,880 33% $28,140 $24.46 $704 2.4 1.1 $1,206 42,617 $93,800 $23.18 Colchester-Lebanon HMFA $827 $1,291 $51,640 20% $110,200 $816 1,697 $2,755 $33,060 $24.83 $15.69 2.5 1.6 Danbury HMFA 18,553 $30.94 $34,890 $116,300 $872 $2,908 $1,609 $64,360 26% $1,206 1.3 3.1 $23.18 Hartford-West Hartford-East Hartford HMFA 34% $46,320 $1,158 $2,415 $725 $96,600 2.2 152,689 $16.19 $22.27 1.4 $842 $28,980 Milford-Ansonia-Seymour HMFA $699 $1,310 $52,400 28% $27,960 $2,330 $25.19 $14.57 $93,200 2.5 1.7 $758 12,972 New Haven-Meriden HMFA $24.98 $689 $91,900 $51,960 39% $27,570 $2,298 $758 81,096 $14.57 2.5 1.7 $1,299 Norwich-New London HMFA $15.69 $22.88 $25,440 35% $47,600 $1,190 $816 $2,120 $636 $84,800 34,337 1.5 2.3 Southern Middlesex County HMFA 19% $32,550 $26.65 $13.72 2.6 1.9 $713 3,699 $108,500 $814 $2,713 $1,386 $55,440 Stamford-Norwalk HMFA $23.18 $1,012 $3,373 $1,986 $79,440 35% $134,900 $38.19 3.8 1.6 $1,206 47,332 $40,470 Waterbury HMFA $490 $65,300 28,851 $758 1.4 2.0 $14.57 $20.17 $19,590 40% $41,960 $1,049 $1,633 Windham County HMFA 1.9 $541 $79,400 $596 $1,985 13,321 $1,049 $41,960 30% $23,820 $20.17 $10.41 2.0 Counties Litchfield County 1.7 2.1 $12.23 $21.00 $29,040 $636 $43,680 $1,092 $2,420 $726 $96,800 17,326 23% FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 46 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

53 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, Hebr on town, Mansfield town, Somers town, Stafford town, Tolland town, Union town, Vernon town, Willington town | 47 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

54 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 | 48 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

55 S TAT E S TAT E * RANKING RANKING DELAWARE 15 # Delaware , the Fair Market Rent (FMR) for a two-bedroom apartment is In $21.85 . In order to afford this level of rent and utilities — without paying more $1,136 PER HOUR than 30% of income on housing — a household must earn monthly or $3,787 annually. Assuming a 40-hour work week, 52 weeks per year, this $45,439 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE DELAWARE: FACTS ABOUT STATE FACTS 87 106 Work Hours Per Week At Work Hours Per Week At 1-Bedroom 2-Bedroom To Afford a Minimum Wage To Afford a Minimum Wage Minimum Wage $8.25 (at FMR) Rental Home Rental Home (at FMR) Average Renter Wage $16.99 2-Bedroom Housing Wage $21.85 2.2 2.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 101,111 Number of Renter Households To Afford a To Afford a Minimum Wage Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 29% Two bedroom FMR $1,136 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $937 Rent affordable at New Castle County $24.35 $1,997 area median income (AMI) Rent affordable with full-time job paying $884 Dover MSA $17.94 mean renter wage Rent affordable at 30% of AMI $599 Sussex County HMFA $17.31 Rent affordable with full-time job $429 paying minimum wage Rent affordable to SSI recipient $225 $2,000 $0 $1,500 $1,000 $500 $2,500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 49

56 DELAWARE AREA MEDIAN INCOME (AMI) RENTERS HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Delaware $16.99 $599 $23,965 $79,885 2.6 $1,136 29% $21.85 $45,439 1.3 $884 $1,997 101,111 Metropolitan Areas Dover MSA † $17.94 $1,760 $933 $70,400 19,052 2.2 $21,120 $528 31% $37,320 Philadelphia-Camden-Wilmington MSA * $24.35 63,474 $945 1.3 3.0 $18.17 $87,400 $26,220 31% $50,640 $1,266 $2,185 $656 Sussex County HMFA $12.63 2.1 1.4 $657 18,585 $68,700 $515 $1,718 $900 $36,000 22% $20,610 $17.31 Counties 19,052 $528 $1,760 $933 $37,320 $70,400 $21,120 $17.94 2.2 Kent County † 31% 63,474 $87,400 $656 $2,185 $945 1.3 3.0 $18.17 New Castle County * $26,220 31% $50,640 $1,266 $24.35 Sussex County $68,700 $515 $1,718 $900 $36,000 18,585 $20,610 $17.31 $12.63 2.1 1.4 $657 22% * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 50 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

57 S TAT E S TAT E * RANKING RANKING 2 DISTRICT OF COLUMBIA # District of Columbia , the Fair Market Rent (FMR) for a two-bedroom In $34.48 apartment is $1,793 . In order to afford this level of rent and utilities — without PER HOUR $5,977 paying more than 30% of income on housing — a household must earn $71,720 annually. Assuming a 40-hour work week, 52 weeks per monthly or STATE HOUSING year, this level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT DISTRICT OF COLUMBIA: STATE FACTS 91 104 Work Hours Per Week At Work Hours Per Week At Minimum Wage To Afford a 1-Bedroom 2-Bedroom Minimum Wage To Afford a Minimum Wage $13.25 Rental Home Rental Home (at FMR) (at FMR) Average Renter Wage $27.75 2-Bedroom Housing Wage $34.48 2.3 2.6 Number of Full-Time Jobs At Number of Full-Time Jobs At Number of Renter Households 163,874 To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home Percent Renters 59% Two bedroom FMR $1,793 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,561 Rent affordable at $2,930 area median income (AMI) Rent affordable with full-time job paying $1,443 mean renter wage Rent affordable at 30% of AMI $879 Rent affordable with full-time job $689 paying minimum wage Rent affordable to SSI recipient $225 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 51

58 DISTRICT OF COLUMBIA RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage District of Columbia $2,930 $71,720 59% $34.48 $27.75 1.2 $1,443 $879 163,874 2.6 $117,200 $35,160 $1,793 Metropolitan Areas 59% Washington-Arlington-Alexandria HMFA * $117,200 $879 $2,930 $1,793 $71,720 163,874 $35,160 $34.48 $27.75 2.6 1.2 $1,443 Counties $117,200 163,874 District of Columbia * $1,443 1.2 2.6 $27.75 $34.48 $35,160 59% $71,720 $1,793 $2,930 $879 * 50th percentile FMR (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 52 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

59 S TAT E S TAT E * RANKING RANKING 16 # FLORIDA In Florida , the Fair Market Rent (FMR) for a two-bedroom apartment is $21.50 . In order to afford this level of rent and utilities — without paying more $1,118 PER HOUR than 30% of income on housing — a household must earn $3,726 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $44,716 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT FLORIDA: STATE FACTS 104 84 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $8.25 (at FMR) Rental Home (at FMR) Rental Home $16.10 Average Renter Wage 2-Bedroom Housing Wage $21.50 2.6 2.1 Number of Full-Time Jobs At Number of Full-Time Jobs At 2,605,942 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 35% Two bedroom FMR $1,118 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $898 Rent affordable at Monroe County $29.12 $1,576 area median income (AMI) Rent affordable with full-time job paying $837 West Palm Beach-Boca Raton HMFA $27.35 mean renter wage Rent affordable at 30% of AMI $473 Fort Lauderdale HMFA $26.67 Rent affordable with full-time job $429 paying minimum wage $25.98 Miami-Miami Beach-Kendall HMFA Rent affordable to SSI recipient $225 N aples-Immokalee-Marco Island MSA $23.46 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 53

60 FLORIDA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Florida 2,605,942 35% $44,716 2.6 1.3 $1,118 $1,576 $18,913 $16.10 $837 $21.50 $473 $63,043 Combined Nonmetro Areas $395 69,364 $1,317 $16.39 $11.80 2.0 1.4 $614 $852 $52,685 $15,805 $34,090 29% Metropolitan Areas $29,640 Baker County HMFA $62,200 $467 $1,555 $741 1.7 21% $18,660 $14.25 $8.61 1.7 $448 1,713 $18.38 $19,110 $956 80,113 $748 1.3 31% 2.2 $14.38 Cape Coral-Fort Myers MSA $63,700 $478 $1,593 $38,240 1.4 $40,120 37% $19,710 $19.29 $13.83 2.3 27,950 $719 Crestview-Fort Walton Beach-Destin HMFA $65,700 $493 $1,643 $1,003 $653 62,375 1.5 2.2 $12.56 $18.37 $16,530 30% $38,200 $955 $1,378 $413 $55,100 Deltona-Daytona Beach-Ormond Beach HMFA $19,710 $55,480 $26.67 Fort Lauderdale HMFA $65,700 $493 37% $1,643 $18.16 3.2 1.5 $944 250,634 $1,387 $17.19 $1,783 Gainesville MSA $894 $35,760 45% $21,390 $71,300 $11.31 2.1 1.5 $588 45,681 $535 25% $15,780 $17.12 $12.58 2.1 1.4 $654 1,358 Gulf County HMFA $52,600 $395 $1,315 $890 $35,600 $589 11,144 $52,400 $393 $1,310 $798 $31,920 18% $15,720 $15.35 $11.33 1.9 1.4 Homosassa Springs MSA $37,880 186,981 2.2 $16.29 $18.21 $20,970 36% 1.1 $947 $1,748 $524 $69,900 Jacksonville HMFA $847 71,369 1.1 2.0 $14.74 $16.52 $16,080 32% $34,360 $859 $1,340 $402 $53,600 Lakelandnter Haven MSA $766 47% $917 $52,300 $392 $1,308 $1,351 $54,040 Miami-Miami Beach-Kendall HMFA $15,690 $25.98 $17.64 3.1 1.5 404,450 $48,800 28% $22,500 $23.46 $15.46 2.8 1.5 $804 37,288 Naples-Immokalee-Marco Island MSA $75,000 $563 $1,875 $1,220 $20.73 North Port-Sarasota-Bradenton MSA $1,758 $1,078 $43,120 28% $21,090 $527 $15.35 2.5 1.4 $798 87,971 $70,300 33,299 $53,400 $401 $1,335 $815 $32,600 25% $16,020 $15.67 $13.49 1.9 1.2 $702 Ocala MSA $62,900 Orlando-Kissimmee-Sanford MSA $472 $1,573 $1,096 $43,840 40% $18,870 $21.08 $16.08 2.6 1.3 $836 324,980 $19.58 $64,800 $1,620 $1,018 $40,720 28% $19,440 $486 $15.72 2.4 1.2 $818 63,537 Palm Bay-Melbourne-Titusville MSA 23% 1.5 $649 8,817 $38,680 $17,670 $18.60 $12.48 2.3 $967 $1,473 $442 $58,900 Palm Coast HMFA 25,997 $19,410 $64,700 $485 $1,618 $995 $39,800 38% $19.13 $13.34 2.3 1.4 $694 Panama City-Lynn Haven-Panama City Beach HMFA Pensacola-Ferry Pass-Brent MSA $65,200 $489 $1,630 $846 $33,840 $753 35% $19,560 $16.27 $14.48 2.0 1.1 62,104 * 50th percentile FMR (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 54 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

61 FLORIDA HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Port St. Lucie MSA $60,500 $1,513 46,050 $688 $454 2.4 $13.22 $19.85 $18,150 27% $41,280 $1,032 1.5 Punta Gorda MSA 1.4 2.1 $12.26 $17.02 $17,490 $35,400 $885 $1,458 $437 $58,300 22% 16,046 $638 Sebastian-Vero Beach MSA 2.1 $13.08 $17.15 $19,380 25% $35,680 $892 $1,615 $485 1.3 $680 $64,600 14,694 Sebring MSA $549 $43,800 $329 $1,095 $790 $31,600 24% $13,140 $15.19 $10.56 1.8 1.4 9,883 Tallahassee HMFA $958 1.5 $67,400 $506 $1,685 $38,320 44% $20,220 $18.42 $12.04 2.2 $626 59,166 Tampa-St. Petersburg-Clearwater MSA $63,900 $1,598 $1,045 $41,800 36% $19,170 $885 $20.10 $17.01 2.4 1.2 419,514 $479 The Villages MSA 1.4 10% $20,460 $14.56 $10.74 1.8 $30,280 $559 $68,200 4,841 $1,705 $512 $757 Wakulla County HMFA $18,690 24% $10.68 $35,560 1.6 2,616 $889 $1,558 $467 $62,300 2.1 $17.10 $556 Walton County HMFA $13.00 2.0 1.3 $676 6,994 29% $34,160 $854 $1,510 $453 $60,400 $18,120 $16.42 West Palm Beach-Boca Raton HMFA * $22,290 $557 $1,858 $1,422 $56,880 31% $74,300 $27.35 $18.03 3.3 1.5 $938 169,013 Counties $21,390 $17.19 $11.36 2.1 1.5 $591 Alachua County $71,300 $535 $1,783 44,579 $894 $35,760 46% $62,200 1,713 $741 $29,640 21% $18,660 $14.25 $8.61 1.7 1.7 $448 Baker County $467 $1,555 $13.34 $64,700 $995 $39,800 38% $19,410 $19.13 $1,618 2.3 1.4 $694 25,997 Bay County $485 $59,400 $446 $1,485 $686 $27,440 27% $17,820 $13.19 $10.74 1.6 1.2 $559 Bradford County 2,367 $15.72 $64,800 $1,018 $40,720 28% $19,440 $19.58 $1,620 2.4 1.2 $818 $486 63,537 Brevard County $944 $493 $1,643 Broward County 250,634 $1,387 $55,480 37% $19,710 $26.67 $18.16 3.2 1.5 $65,700 $27,440 $507 1.4 1.6 $9.75 $13.19 $13,800 Calhoun County $686 $1,150 $345 $46,000 790 17% Charlotte County $58,300 $437 $1,458 $885 $35,400 22% $17,490 $17.02 $12.26 2.1 1.4 $638 16,046 $15,720 11,144 $393 $1,310 $798 $31,920 18% $52,400 $15.35 $11.33 1.9 1.4 $589 Citrus County Clay County 17,798 $69,900 $524 $1,748 $947 $37,880 25% $20,970 $18.21 $12.28 2.2 1.5 $638 $22,500 Collier County $563 $1,875 $1,220 $48,800 28% $75,000 $23.46 $15.46 2.8 1.5 $804 37,288 $620 6,645 $64,100 $481 $1,603 $784 $31,360 28% $19,230 $15.08 $11.93 1.8 1.3 Columbia County 31% $28,920 $723 $1,058 $317 $42,300 3,586 1.2 DeSoto County $591 1.7 $11.37 $13.90 $12,690 * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 55

62 FLORIDA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Dixie County $350 $1,168 $686 $27,440 23% $14,010 $13.19 $13.50 1.6 1.0 $702 1,409 $46,700 42% $37,880 1.0 2.2 $17.41 $18.21 $20,970 $905 $947 $1,748 $524 $69,900 142,765 Duval County 46,096 Escambia County $1,630 $489 $65,200 $846 $33,840 40% $19,560 $16.27 $15.12 2.0 1.1 $786 $17,670 Flagler County $442 $1,473 $967 $38,680 23% $58,900 $18.60 $12.48 2.3 1.5 $649 8,817 $574 1,161 $51,200 $384 $1,280 $784 $31,360 27% $15,360 $15.08 $11.04 1.8 1.4 Franklin County $20,220 29% $9.54 2.2 1.9 $496 $958 $506 $67,400 4,873 Gadsden County $38,320 $18.42 $1,685 $486 1,102 $71,300 $535 $1,783 $894 Gilchrist County 18% $21,390 $17.19 $9.35 2.1 1.8 $35,760 1.1 1.8 $14.35 $15.08 $12,570 25% $31,360 $784 $1,048 $314 $41,900 1,015 Glades County $746 $35,600 1.4 1,358 $52,600 $395 $1,315 $890 Gulf County 25% $15,780 $17.12 $12.58 2.1 $654 $27,440 27% $12,990 $13.19 $10.59 1.6 1.2 $551 Hamilton County 1,291 $43,300 $325 $1,083 $686 32% $618 $43,700 $328 $1,093 $686 $27,440 2,381 $13,110 $13.19 $11.88 1.6 1.1 Hardee County $612 Hendry County 3,811 $46,200 $347 $1,155 $823 $32,920 32% $13,860 $15.83 $11.76 1.9 1.3 $1,045 1.7 2.4 $12.03 $20.10 $19,170 22% $41,800 $1,598 $479 $63,900 15,612 Hernando County $625 24% $549 $43,800 $329 $1,095 $790 $31,600 9,883 $13,140 $15.19 $10.56 1.8 1.4 Highlands County 42% Hillsborough County 208,827 $63,900 $479 $1,598 $1,045 $926 1.1 2.4 $17.82 $20.10 $19,170 $41,800 $686 $27,440 20% $13,440 $13.19 $5.68 1.6 2.3 $296 Holmes County 1,376 $44,800 $336 $1,120 $64,600 14,694 $1,615 $892 $35,680 25% $19,380 $17.15 $13.08 2.1 1.3 $680 Indian River County $485 $9.69 $47,700 $686 $27,440 29% $14,310 $13.19 $1,193 1.6 1.4 $504 4,879 $358 Jackson County $67,400 $506 $1,685 $958 $38,320 21% $20,220 Jefferson County $8.43 2.2 2.2 $438 1,196 $18.42 413 $392 $1,305 $686 $27,440 18% $52,200 $13.19 $9.13 1.6 1.4 $475 Lafayette County $15,660 $657 $1,096 $18,870 $21.08 $12.64 Lake County 31,754 26% $43,840 2.6 1.7 $1,573 $472 $62,900 31% Lee County $63,700 $478 $1,593 $956 $38,240 80,113 $19,110 $18.38 $14.38 2.2 1.3 $748 1.5 $641 2.2 $12.32 $18.42 $20,220 48% Leon County $958 $1,685 $506 $67,400 53,097 $38,320 $482 3,820 $47,000 $353 $1,175 $686 Levy County 25% $14,100 $13.19 $9.28 1.6 1.4 $27,440 $16,620 24% $27,440 $686 $1,385 $416 $55,400 575 Liberty County 0.9 $14.97 $13.19 1.6 $778 $686 $27,440 21% $13,110 $13.19 $9.85 1.6 1.3 $512 Madison County 1,432 $43,700 $328 $1,093 * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 56

63 FLORIDA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Manatee County $527 $1,758 $1,078 $43,120 30% $21,090 $20.73 $13.57 2.5 1.5 $706 40,884 $70,300 25% $32,600 1.2 1.9 $13.49 $15.67 $16,020 $702 $815 $1,335 $401 $53,400 33,299 Marion County 15,391 Martin County $1,513 $454 $60,500 $1,032 $41,280 24% $18,150 $19.85 $13.48 2.4 1.5 $701 $15,690 Miami-Dade County $392 $1,308 $1,351 $54,040 47% $52,300 $25.98 $17.64 3.1 1.5 $917 404,450 $725 11,759 $84,400 $633 $2,110 $1,514 $60,560 40% $25,320 $29.12 $13.95 3.5 2.1 Monroe County $20,970 24% $10.57 2.2 1.7 $550 $947 $524 $69,900 6,976 Nassau County $37,880 $18.21 $1,748 $719 27,950 $65,700 $493 $1,643 $1,003 Okaloosa County 37% $19,710 $19.29 $13.83 2.3 1.4 $40,120 1.2 1.7 $11.89 $14.35 $13,200 29% $29,840 $746 $1,100 $330 $44,000 3,746 Okeechobee County $618 $43,840 1.2 203,432 $62,900 $472 $1,573 $1,096 Orange County 46% $18,870 $21.08 $16.87 2.6 $877 $43,840 40% $18,870 $21.08 $13.45 2.6 1.6 $699 Osceola County 37,163 $62,900 $472 $1,573 $1,096 31% $938 $74,300 $557 $1,858 $1,422 $56,880 169,013 $22,290 $27.35 $18.03 3.3 1.5 Palm Beach County * $715 Pasco County 51,432 $63,900 $479 $1,598 $1,045 $41,800 27% $19,170 $20.10 $13.75 2.4 1.5 $1,045 1.2 2.4 $17.05 $20.10 $19,170 35% $41,800 $1,598 $479 $63,900 143,643 Pinellas County $886 32% $766 $53,600 $402 $1,340 $859 $34,360 71,369 $16,080 $16.52 $14.74 2.0 1.1 Polk County 27% Putnam County 7,401 $42,900 $322 $1,073 $693 $510 1.4 1.6 $9.81 $13.33 $12,870 $27,720 $947 $37,880 24% $20,970 $18.21 $12.76 2.2 1.4 $664 St. Johns County 19,442 $69,900 $524 $1,748 $60,500 30,659 $1,513 $1,032 $41,280 28% $18,150 $19.85 $12.97 2.4 1.5 $674 St. Lucie County $454 $12.12 $65,200 $846 $33,840 27% $19,560 $16.27 $1,630 2.0 1.3 $630 16,008 $489 Santa Rosa County $70,300 $527 $1,758 $1,078 $43,120 27% $21,090 Sarasota County $16.60 2.5 1.2 $863 47,087 $20.73 52,631 $472 $1,573 $1,096 $43,840 34% $62,900 $21.08 $15.52 2.6 1.4 $807 Seminole County $18,870 $559 $757 $20,460 $14.56 $10.74 Sumter County 4,841 10% $30,280 1.8 1.4 $1,705 $512 $68,200 30% Suwannee County $47,900 $359 $1,198 $686 $27,440 4,656 $14,370 $13.19 $10.00 1.6 1.3 $520 0.8 $869 1.6 $16.72 $13.19 $13,800 23% Taylor County $686 $1,150 $345 $46,000 1,737 $27,440 $700 1,275 $47,200 $354 $1,180 $686 Union County 33% $14,160 $13.19 $13.46 1.6 1.0 $27,440 $16,530 30% $38,200 $955 $1,378 $413 $55,100 62,375 Volusia County 1.5 $12.56 $18.37 2.2 $653 $889 $35,560 24% $18,690 $17.10 $10.68 2.1 1.6 $556 Wakulla County 2,616 $62,300 $467 $1,558 * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 57

64 FLORIDA RENTERS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $18,120 $16.42 $13.00 2.0 1.3 6,994 $676 Walton County $60,400 $453 $1,510 $854 $34,160 29% 22% 1,839 1.2 1.6 $10.91 $13.19 $14,340 $567 $27,440 $686 $1,195 $359 $47,800 Washington County * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 58 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

65 S TAT E S TAT E * RANKING RANKING 27 # GEORGIA In Georgia , the Fair Market Rent (FMR) for a two-bedroom apartment is $17.53 . In order to afford this level of rent and utilities — without paying more $911 PER HOUR than 30% of income on housing — a household must earn $3,038 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $36,459 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT GEORGIA: STATE FACTS 97 83 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $16.28 Average Renter Wage 2-Bedroom Housing Wage $17.53 2.4 2.1 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,345,295 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 37% Two bedroom FMR $911 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $778 Rent affordable at Savannah MSA $20.44 $1,635 area median income (AMI) Rent affordable with full-time job paying $846 Atlanta-Sandy Springs-Roswell HMFA $19.83 mean renter wage Rent affordable at 30% of AMI $491 Butts County HMFA $16.92 Rent affordable with full-time job $377 paying minimum wage $16.54 Camden County Rent affordable to SSI recipient $225 G ainesville MSA $16.29 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 59

66 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Georgia 1,345,295 37% $36,459 2.4 1.1 $911 $1,635 $19,621 $16.28 $846 $17.53 $491 $65,403 Combined Nonmetro Areas $360 219,376 $1,201 $13.33 $10.58 1.8 1.3 $550 $693 $48,024 $14,407 $27,730 34% Metropolitan Areas $28,640 Albany MSA $53,400 $401 $1,335 $716 1.0 44% $16,020 $13.77 $13.15 1.9 $684 25,711 $15.06 $17,670 $783 34,145 $657 1.2 47% 2.1 $12.63 Athens-Clarke County MSA $58,900 $442 $1,473 $31,320 1.1 $41,240 37% $22,440 $19.83 $18.62 2.7 726,333 $968 Atlanta-Sandy Springs-Roswell HMFA $74,800 $561 $1,870 $1,031 $721 49,905 1.1 2.0 $13.87 $14.83 $18,690 37% $30,840 $771 $1,558 $467 $62,300 Augusta-Richmond County HMFA $15,900 $30,080 $14.46 Brunswick MSA $53,000 $398 35% $1,325 $11.98 2.0 1.2 $623 15,279 $752 $16.92 $1,415 Butts County HMFA $880 $35,200 28% $16,980 $56,600 $11.65 2.3 1.5 $606 2,202 $425 27% $18,510 $15.50 $9.94 2.1 1.6 $517 15,041 Chattanooga MSA $61,700 $463 $1,543 $806 $32,240 $816 42,346 $56,000 $420 $1,400 $823 $32,920 47% $16,800 $15.83 $15.69 2.2 1.0 Columbus MSA $27,840 12,774 1.8 $14.58 $13.38 $16,500 37% 0.9 $696 $1,375 $413 $55,000 Dalton HMFA $758 21,315 1.1 2.2 $14.91 $16.29 $19,260 34% $33,880 $847 $1,605 $482 $64,200 Gainesville MSA $775 30% $630 $56,500 $424 $1,413 $803 $32,120 Haralson County HMFA $16,950 $15.44 $12.11 2.1 1.3 3,301 $33,600 54% $12,150 $16.15 $15.39 2.2 1.0 $800 12,412 Hinesville HMFA $40,500 $304 $1,013 $840 $13.37 Lamar County HMFA $1,303 $695 $27,800 29% $15,630 $391 $9.04 1.8 1.5 $470 1,823 $52,100 909 $45,700 $343 $1,143 $659 $26,360 26% $13,710 $12.67 $9.86 1.7 1.3 $513 Lincoln County HMFA $425 Long County HMFA $56,600 $1,415 $666 $26,640 34% $16,980 $12.81 $8.36 1.8 1.5 $435 1,752 $14.96 $402 $1,340 $778 $31,120 41% $16,080 Macon HMFA $11.40 2.1 1.3 $593 30,736 $53,600 33% Meriwether County HMFA $611 2,657 $28,880 $14,280 $13.88 $11.76 1.9 1.2 $722 $1,190 $357 $47,600 $14.38 $60,900 $457 $1,523 $748 $29,920 25% $18,270 Monroe County HMFA $10.69 2.0 1.3 $556 2,365 $17,760 1,672 $444 $1,480 $801 $32,040 25% $59,200 $15.40 $13.90 2.1 1.1 $723 Morgan County HMFA † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 60 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

67 GEORGIA HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $591 $48,100 $361 $1,203 $659 $26,360 34% $14,430 $12.67 $11.37 1.7 1.1 4,887 Murray County HMFA $9.63 $423 $694 $27,760 34% $16,920 $13.35 $1,410 1.8 1.4 $501 $56,400 3,370 Peach County HMFA 1,605 $470 1.4 1.7 $9.04 $12.67 $14,550 42% $26,360 $659 $1,213 $364 $48,500 Pulaski County HMFA $13.29 Rome MSA $1,360 $691 $27,640 40% $16,320 $408 $13.74 1.8 1.0 $715 14,079 $54,400 57,262 $766 1.4 2.8 $14.73 $20.44 $19,560 42% $42,520 $1,063 $1,630 $489 $65,200 Savannah MSA 45% 23,145 $49,500 $371 $1,238 $709 $28,360 Valdosta MSA $14,850 $13.63 $10.40 1.9 1.3 $541 $33,120 35% $20,100 $15.92 $10.40 2.2 1.5 $541 18,893 $503 $828 Warner Robins HMFA $67,000 $1,675 Counties 1.7 $48,500 $26,360 29% $14,550 $12.67 $15.66 $659 1,940 0.8 $814 $1,213 $364 Appling County $40,100 $301 $1,003 $659 $26,360 28% $12,030 $12.67 $10.75 1.7 1.2 $559 Atkinson County 762 $12.67 $51,200 $1,280 $659 $26,360 31% $15,360 $384 $10.14 1.7 1.3 $527 Bacon County 1,214 350 $53,400 $401 $1,335 $716 $28,640 26% $16,020 $13.77 $12.48 1.9 1.1 $649 Baker County $13.62 7,329 $1,288 $708 $28,320 46% $15,450 $386 $7.49 1.9 1.8 $389 Baldwin County $51,500 1,587 $53,300 $400 $1,333 $680 $27,200 24% Banks County $15,990 $13.08 $10.30 1.8 1.3 $536 27% 6,539 $74,800 $561 $1,870 $1,031 $41,240 Barrow County $19.83 $14.14 2.7 1.4 $735 $22,440 $771 1.3 2.7 $14.82 $19.83 Bartow County 36% $41,240 $1,031 $1,870 $561 $74,800 13,018 $22,440 Ben Hill County $38,200 $287 $955 $659 $26,360 39% $11,460 $12.67 $8.70 1.7 1.5 $452 2,517 2,050 29% $332 $1,108 $659 $26,360 Berrien County $13,290 $12.67 $9.30 1.7 1.4 $484 $44,300 $16,080 Bibb County $402 $1,340 $778 $31,120 48% $53,600 $14.96 $11.72 2.1 1.3 $609 27,241 27% 1.7 1.6 $416 $26,360 $659 $1,328 $398 $53,100 1,111 Bleckley County $15,930 $12.67 $8.00 $522 $10.03 Brantley County 1,325 $53,000 $398 $1,325 $752 $30,080 21% $15,900 $14.46 2.0 1.4 $28,360 1.2 1,784 $49,500 $371 $1,238 $709 Brooks County 28% $14,850 $13.63 $11.23 1.9 $584 $1,063 $42,520 31% $19,560 $20.44 $9.17 2.8 2.2 $477 Bryan County 3,607 $65,200 $489 $1,630 50% 13,006 1.4 1.9 $9.90 $13.81 $14,070 $515 $28,720 $718 $1,173 $352 $46,900 Bulloch County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 61 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

68 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Burke County $467 $1,558 $771 $30,840 29% $18,690 $14.83 $21.12 2.0 0.7 $1,098 2,366 $62,300 28% $35,200 1.5 2.3 $11.65 $16.92 $16,980 $606 $880 $1,415 $425 $56,600 2,202 Butts County 638 Calhoun County $875 $263 $35,000 $659 $26,360 34% $10,500 $12.67 $8.90 1.7 1.4 $463 $19,140 Camden County $479 $1,595 $860 $34,400 42% $63,800 $16.54 $12.98 2.3 1.3 $675 7,812 $437 1,537 $37,200 $279 $930 $659 $26,360 38% $11,160 $12.67 $8.40 1.7 1.5 Candler County $22,440 36% $13.11 2.7 1.5 $682 $1,031 $561 $74,800 14,571 Carroll County $41,240 $19.83 $1,870 $532 6,293 $61,700 $463 $1,543 $806 Catoosa County 26% $18,510 $15.50 $10.22 2.1 1.5 $32,240 1.5 1.7 $8.43 $12.67 $16,620 26% $26,360 $659 $1,385 $416 $55,400 886 Charlton County $438 $42,520 1.4 49,364 $65,200 $489 $1,630 $1,063 Chatham County 46% $19,560 $20.44 $15.03 2.8 $781 $32,920 70% $16,800 $15.83 $24.69 2.2 0.6 $1,284 Chattahoochee County 1,798 $56,000 $420 $1,400 $823 33% $651 $42,900 $322 $1,073 $659 $26,360 3,121 $12,870 $12.67 $12.52 1.7 1.0 Chattooga County $619 Cherokee County 18,283 $74,800 $561 $1,870 $1,031 $41,240 23% $22,440 $19.83 $11.90 2.7 1.7 $783 1.1 2.1 $13.42 $15.06 $17,670 61% $31,320 $1,473 $442 $58,900 27,600 Clarke County $698 36% $417 $30,600 $230 $765 $659 $26,360 417 $9,180 $12.67 $8.01 1.7 1.6 Clay County 49% Clayton County 44,189 $74,800 $561 $1,870 $1,031 $1,033 1.0 2.7 $19.87 $19.83 $22,440 $41,240 $659 $26,360 29% $12,930 $12.67 $8.30 1.7 1.5 $431 Clinch County 727 $43,100 $323 $1,078 $74,800 98,257 $1,870 $1,031 $41,240 36% $22,440 $19.83 $17.82 2.7 1.1 $927 Cobb County $561 $10.01 $44,200 $659 $26,360 34% $13,260 $12.67 $1,105 1.7 1.3 $520 4,802 $332 Coffee County $40,600 $305 $1,015 $659 $26,360 38% $12,180 Colquitt County $9.77 1.7 1.3 $508 5,867 $12.67 10,064 $467 $1,558 $771 $30,840 22% $62,300 $14.83 $12.67 2.0 1.2 $659 Columbia County $18,690 $566 $659 $13,140 $12.67 $10.88 Cook County 1,865 31% $26,360 1.7 1.2 $1,095 $329 $43,800 27% Coweta County $74,800 $561 $1,870 $1,031 $41,240 13,543 $22,440 $19.83 $11.38 2.7 1.7 $592 1.6 $478 2.1 $9.19 $14.96 $16,080 22% Crawford County $778 $1,340 $402 $53,600 1,023 $31,120 $499 3,633 $43,200 $324 $1,080 $659 Crisp County 43% $12,960 $12.67 $9.60 1.7 1.3 $26,360 $18,510 24% $32,240 $806 $1,543 $463 $61,700 1,445 Dade County 1.5 $10.01 $15.50 2.1 $521 $1,031 $41,240 23% $22,440 $19.83 $7.85 2.7 2.5 $408 Dawson County 1,920 $74,800 $561 $1,870 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 62

69 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Decatur County $330 $1,100 $685 $27,400 40% $13,200 $13.17 $8.80 1.8 1.5 $458 4,181 $44,000 46% $41,240 1.0 2.7 $19.20 $19.83 $22,440 $998 $1,031 $1,870 $561 $74,800 124,749 DeKalb County 2,869 Dodge County $1,158 $347 $46,300 $667 $26,680 36% $13,890 $12.83 $8.13 1.8 1.6 $423 $11,640 Dooly County $291 $970 $659 $26,360 36% $38,800 $12.67 $8.52 1.7 1.5 $443 1,844 $717 19,066 $53,400 $401 $1,335 $716 $28,640 54% $16,020 $13.77 $13.78 1.9 1.0 Dougherty County $22,440 34% $11.89 2.7 1.7 $618 $1,031 $561 $74,800 16,306 Douglas County $41,240 $19.83 $1,870 $790 1,427 $42,400 $318 $1,060 $659 Early County 35% $12,720 $12.67 $15.19 1.7 0.8 $26,360 1.1 1.9 $12.48 $13.63 $14,850 39% $28,360 $709 $1,238 $371 $49,500 559 Echols County $649 $42,520 1.5 4,291 $65,200 $489 $1,630 $1,063 Effingham County 23% $19,560 $20.44 $13.69 2.8 $712 $26,360 30% $13,140 $12.67 $8.03 1.7 1.6 $418 Elbert County 2,282 $43,800 $329 $1,095 $659 34% $538 $41,900 $314 $1,048 $659 $26,360 2,765 $12,570 $12.67 $10.35 1.7 1.2 Emanuel County $512 Evans County 1,401 $44,700 $335 $1,118 $659 $26,360 35% $13,410 $12.67 $9.85 1.7 1.3 $703 1.4 1.9 $9.63 $13.52 $14,520 23% $28,120 $1,210 $363 $48,400 2,252 Fannin County $501 19% $595 $74,800 $561 $1,870 $1,031 $41,240 7,517 $22,440 $19.83 $11.45 2.7 1.7 Fayette County 40% Floyd County 14,079 $54,400 $408 $1,360 $691 $715 1.0 1.8 $13.74 $13.29 $16,320 $27,640 $1,031 $41,240 16% $22,440 $19.83 $13.01 2.7 1.5 $676 Forsyth County 10,497 $74,800 $561 $1,870 $44,700 2,672 $1,118 $659 $26,360 32% $13,410 $12.67 $9.46 1.7 1.3 $492 Franklin County $335 $23.28 $74,800 $1,031 $41,240 49% $22,440 $19.83 $1,870 2.7 0.9 $1,211 187,822 $561 Fulton County $51,500 $386 $1,288 $737 $29,480 25% $15,450 Gilmer County $8.20 2.0 1.7 $426 2,765 $14.17 261 $391 $1,303 $659 $26,360 24% $52,100 $12.67 $8.02 1.7 1.6 $417 Glascock County $15,630 $634 $752 $15,900 $14.46 $12.19 Glynn County 12,863 39% $30,080 2.0 1.2 $1,325 $398 $53,000 36% Gordon County $48,600 $365 $1,215 $659 $26,360 7,197 $14,580 $12.67 $13.02 1.7 1.0 $677 1.2 $554 1.8 $10.66 $12.73 $12,330 41% Grady County $662 $1,028 $308 $41,100 3,731 $26,480 $469 1,824 $55,300 $415 $1,383 $664 Greene County 27% $16,590 $12.77 $9.01 1.8 1.4 $26,560 $22,440 34% $41,240 $1,031 $1,870 $561 $74,800 94,633 Gwinnett County 1.2 $16.87 $19.83 2.7 $877 $683 $27,320 26% $15,630 $13.13 $11.37 1.8 1.2 $591 Habersham County 3,820 $52,100 $391 $1,303 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 63

70 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Hall County $482 $1,605 $847 $33,880 34% $19,260 $16.29 $14.91 2.2 1.1 $775 21,315 $64,200 23% $26,360 0.9 1.7 $13.50 $12.67 $10,080 $702 $659 $840 $252 $33,600 649 Hancock County 3,301 Haralson County $1,413 $424 $56,500 $803 $32,120 30% $16,950 $15.44 $12.11 2.1 1.3 $630 $16,800 Harris County $420 $1,400 $823 $32,920 16% $56,000 $15.83 $8.11 2.2 2.0 $421 1,923 $510 2,754 $49,200 $369 $1,230 $659 $26,360 27% $14,760 $12.67 $9.82 1.7 1.3 Hart County $22,440 29% $14.72 2.7 1.3 $765 $1,031 $561 $74,800 1,271 Heard County $41,240 $19.83 $1,870 $624 19,478 $74,800 $561 $1,870 $1,031 Henry County 27% $22,440 $19.83 $12.01 2.7 1.7 $41,240 1.5 2.2 $10.40 $15.92 $20,100 35% $33,120 $828 $1,675 $503 $67,000 18,893 Houston County $541 $26,360 1.4 896 $48,500 $364 $1,213 $659 Irwin County 27% $14,550 $12.67 $8.86 1.7 $461 $30,800 24% $19,680 $14.81 $10.07 2.0 1.5 $524 Jackson County 5,105 $65,600 $492 $1,640 $770 27% $552 $74,800 $561 $1,870 $1,031 $41,240 1,390 $22,440 $19.83 $10.62 2.7 1.9 Jasper County $494 Jeff Davis County 1,368 $43,100 $323 $1,078 $659 $26,360 26% $12,930 $12.67 $9.50 1.7 1.3 $659 1.2 1.7 $10.82 $12.67 $11,580 35% $26,360 $965 $290 $38,600 2,064 Jefferson County $563 32% $471 $32,700 $245 $818 $659 $26,360 1,128 $9,810 $12.67 $9.06 1.7 1.4 Jenkins County 29% Johnson County 925 $46,900 $352 $1,173 $659 $421 1.6 1.7 $8.10 $12.67 $14,070 $26,360 $778 $31,120 18% $16,080 $14.96 $8.70 2.1 1.7 $452 Jones County 1,891 $53,600 $402 $1,340 $52,100 1,823 $1,303 $695 $27,800 29% $15,630 $13.37 $9.04 1.8 1.5 $470 Lamar County $391 $7.67 $49,500 $709 $28,360 36% $14,850 $13.63 $1,238 1.9 1.8 $399 1,361 $371 Lanier County $44,200 $332 $1,105 $659 $26,360 38% $13,260 Laurens County $9.42 1.7 1.3 $490 6,637 $12.67 2,600 $401 $1,335 $716 $28,640 26% $53,400 $13.77 $10.53 1.9 1.3 $548 Lee County $16,020 $800 $840 $12,150 $16.15 $15.39 Liberty County 12,412 54% $33,600 2.2 1.0 $1,013 $304 $40,500 26% Lincoln County $45,700 $343 $1,143 $659 $26,360 909 $13,710 $12.67 $9.86 1.7 1.3 $513 1.5 $435 1.8 $8.36 $12.81 $16,980 34% Long County $666 $1,415 $425 $56,600 1,752 $26,640 $540 19,441 $49,500 $371 $1,238 $709 Lowndes County 49% $14,850 $13.63 $10.38 1.9 1.3 $28,360 $18,030 36% $31,720 $793 $1,503 $451 $60,100 4,028 Lumpkin County 1.9 $7.97 $15.25 2.1 $414 $771 $30,840 38% $18,690 $14.83 $8.80 2.0 1.7 $458 McDuffie County 3,097 $62,300 $467 $1,558 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 64

71 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage McIntosh County $398 $1,325 $752 $30,080 21% $15,900 $14.46 $8.46 2.0 1.7 $440 1,091 $53,000 38% $26,360 1.1 1.7 $11.27 $12.67 $12,120 $586 $659 $1,010 $303 $40,400 1,724 Macon County 2,781 Madison County $1,473 $442 $58,900 $783 $31,320 27% $17,670 $15.06 $8.34 2.1 1.8 $434 $16,800 Marion County $420 $1,400 $823 $32,920 27% $56,000 $15.83 $9.95 2.2 1.6 $517 815 $611 2,657 $47,600 $357 $1,190 $722 $28,880 33% $14,280 $13.88 $11.76 1.9 1.2 Meriwether County $14,220 32% $6.70 1.7 1.9 $349 $659 $356 $47,400 713 Miller County $26,360 $12.67 $1,185 $523 2,720 $44,600 $335 $1,115 $659 Mitchell County 34% $13,380 $12.67 $10.06 1.7 1.3 $26,360 1.3 2.0 $10.69 $14.38 $18,270 25% $29,920 $748 $1,523 $457 $60,900 2,365 Monroe County $556 $26,360 1.1 885 $44,600 $335 $1,115 $659 Montgomery County 28% $13,380 $12.67 $11.37 1.7 $591 $32,040 25% $17,760 $15.40 $13.90 2.1 1.1 $723 Morgan County 1,672 $59,200 $444 $1,480 $801 34% $591 $48,100 $361 $1,203 $659 $26,360 4,887 $14,430 $12.67 $11.37 1.7 1.1 Murray County $825 Muscogee County 37,810 $56,000 $420 $1,400 $823 $32,920 51% $16,800 $15.83 $15.86 2.2 1.0 $1,031 1.6 2.7 $12.60 $19.83 $22,440 32% $41,240 $1,870 $561 $74,800 11,160 Newton County $655 19% $505 $58,900 $442 $1,473 $783 $31,320 2,304 $17,670 $15.06 $9.70 2.1 1.6 Oconee County 26% Oglethorpe County 1,460 $58,900 $442 $1,473 $783 $502 1.6 2.1 $9.65 $15.06 $17,670 $31,320 $1,031 $41,240 21% $22,440 $19.83 $11.09 2.7 1.8 $576 Paulding County 10,748 $74,800 $561 $1,870 $56,400 3,370 $1,410 $694 $27,760 34% $16,920 $13.35 $9.63 1.8 1.4 $501 Peach County $423 $14.18 $74,800 $1,031 $41,240 23% $22,440 $19.83 $1,870 2.7 1.4 $737 2,662 $561 Pickens County $50,800 $381 $1,270 $659 $26,360 24% $15,240 Pierce County $7.49 1.7 1.7 $390 1,653 $12.67 968 $561 $1,870 $1,031 $41,240 16% $74,800 $19.83 $12.28 2.7 1.6 $638 Pike County $22,440 $526 $725 $15,390 $13.94 $10.11 Polk County 4,883 33% $29,000 1.9 1.4 $1,283 $385 $51,300 42% Pulaski County $48,500 $364 $1,213 $659 $26,360 1,605 $14,550 $12.67 $9.04 1.7 1.4 $470 1.7 $443 2.0 $8.52 $14.58 $17,580 26% Putnam County $758 $1,465 $440 $58,600 2,157 $30,320 $376 238 $37,400 $281 $935 $659 Quitman County 26% $11,220 $12.67 $7.23 1.7 1.8 $26,360 $14,970 27% $29,600 $740 $1,248 $374 $49,900 1,807 Rabun County 1.9 $7.63 $14.23 2.0 $397 $713 $28,520 42% $11,130 $13.71 $10.68 1.9 1.3 $555 Randolph County 1,195 $37,100 $278 $928 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 65

72 GEORGIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Richmond County $467 $1,558 $771 $30,840 47% $18,690 $14.83 $13.83 2.0 1.1 $719 34,378 $62,300 32% $41,240 1.4 2.7 $14.29 $19.83 $22,440 $743 $1,031 $1,870 $561 $74,800 9,631 Rockdale County 635 Schley County $1,293 $388 $51,700 $659 $26,360 34% $15,510 $12.67 $9.80 1.7 1.3 $510 $14,040 Screven County $351 $1,170 $659 $26,360 31% $46,800 $12.67 $9.19 1.7 1.4 $478 1,601 $604 849 $45,600 $342 $1,140 $659 $26,360 26% $13,680 $12.67 $11.61 1.7 1.1 Seminole County $22,440 $9.84 2.7 39% 2.0 $512 $1,031 $561 $74,800 8,928 Spalding County $41,240 $19.83 $1,870 $590 2,625 $53,200 $399 $1,330 $659 Stephens County 29% $15,960 $12.67 $11.35 1.7 1.1 $26,360 1.3 1.7 $10.10 $12.67 $8,700 38% $26,360 $659 $725 $218 $29,000 666 Stewart County $525 $28,320 1.3 5,170 $41,200 $309 $1,030 $708 Sumter County 44% $12,360 $13.62 $10.13 1.9 $527 $28,920 18% $13,710 $13.90 $6.63 1.9 2.1 $345 Talbot County 500 $45,700 $343 $1,143 $723 $31,040 Taliaferro County † $39,200 $294 $980 $776 232 31% $11,760 $14.92 2.1 2,614 Tattnall County $614 $46,300 $347 $1,158 $659 $26,360 33% $13,890 $12.67 $11.81 1.7 1.1 $11,190 31% Taylor County $771 0.9 1.7 $14.83 $12.67 1,052 $26,360 $659 $933 $280 $37,300 39% $600 $32,200 $242 $805 $659 $26,360 1,969 $9,660 $12.67 $11.54 1.7 1.1 Telfair County $10.76 Terrell County 1,355 $53,400 $401 $1,335 $716 $28,640 41% $16,020 $559 1.3 1.9 $13.77 $753 $30,120 39% $14,190 $14.48 $13.62 2.0 1.1 $708 Thomas County 6,809 $47,300 $355 $1,183 $49,900 6,123 $1,248 $677 $27,080 42% $14,970 $13.02 $10.12 1.8 1.3 $526 Tift County $374 $9.80 $48,700 $659 $26,360 39% $14,610 $12.67 $1,218 1.7 1.3 $509 4,036 $365 Toombs County $50,200 $377 $1,255 $711 $28,440 21% $15,060 Towns County $9.64 1.9 1.4 $501 947 $13.67 783 $416 $1,385 $659 $26,360 30% $55,400 $12.67 $10.25 1.7 1.2 $533 Treutlen County $16,620 $695 $749 $15,150 $14.40 $13.37 Troup County 10,415 42% $29,960 2.0 1.1 $1,263 $379 $50,500 30% Turner County $40,200 $302 $1,005 $659 $26,360 930 $12,060 $12.67 $6.39 1.7 2.0 $332 3.1 $250 2.1 $4.81 $14.96 $16,080 20% Twiggs County $778 $1,340 $402 $53,600 581 $31,120 $450 1,932 $53,000 $398 $1,325 $668 Union County 22% $15,900 $12.85 $8.66 1.8 1.5 $26,720 $14,610 33% $26,920 $673 $1,218 $365 $48,700 3,334 Upson County 1.2 $10.44 $12.94 1.8 $543 $806 $32,240 29% $18,510 $15.50 $9.58 2.1 1.6 $498 Walker County 7,303 $61,700 $463 $1,543 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 66

73 GEORGIA HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Walton County $561 $1,870 $1,031 $41,240 27% $22,440 $19.83 $11.79 2.7 1.7 $613 8,253 $74,800 $13,590 Ware County $340 $1,133 $659 $26,360 39% $45,300 $12.67 $11.62 1.7 1.1 $604 5,341 $486 735 $39,700 $298 $993 $659 $26,360 33% $11,910 $12.67 $9.34 1.7 1.4 Warren County $514 Washington County 2,228 $49,600 $372 $1,240 $659 $26,360 30% $14,880 $12.67 $9.89 1.7 1.3 $659 $576 $11.07 $12.67 $15,390 35% $26,360 1.1 $1,283 $385 $51,300 3,461 Wayne County 1.7 $12.94 1.8 $1,288 $386 $51,500 194 Webster County † $673 $26,920 19% $15,450 $26,360 1.5 703 $34,600 $260 $865 $659 Wheeler County 34% $10,380 $12.67 $8.70 1.7 $452 $551 1.3 2.0 $10.60 $14.29 $15,150 28% $29,720 $743 $1,263 $379 $50,500 3,045 White County $27,840 0.9 12,774 $55,000 $413 $1,375 $696 Whitfield County 37% $16,500 $13.38 $14.58 1.8 $758 $659 $26,360 28% $13,110 $12.67 $7.70 1.7 1.6 $400 Wilcox County 743 $43,700 $328 $1,093 $14,010 1,278 $350 $1,168 $659 $26,360 32% $46,700 $12.67 $9.61 1.7 1.3 $500 Wilkes County Wilkinson County $648 1.0 1.7 $12.47 $12.67 $14,400 785 $26,360 $659 $1,200 $360 $48,000 24% $524 2,340 $53,400 $401 $1,335 $716 Worth County 30% $16,020 $13.77 $10.07 1.9 1.4 $28,640 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 67 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

74 S TAT E S TAT E * RANKING RANKING # HAWAII 1 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Hawaii $36.13 . In order to afford this level of rent and utilities — without paying more $1,879 PER HOUR monthly or $6,263 than 30% of income on housing — a household must earn $75,158 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT HAWAII: STATE FACTS 143 109 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $10.10 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $16.16 2-Bedroom Housing Wage $36.13 2.7 3.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 192,176 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 43% Two bedroom FMR $1,879 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,427 Rent affordable at Honolulu County $39.06 $2,266 area median income (AMI) Rent affordable with full-time job paying $840 Kalawao County $30.15 mean renter wage Rent affordable at 30% of AMI $680 $31.13 Maui County Rent affordable with full-time job $525 paying minimum wage $29.06 Kauai County Rent affordable to SSI recipient $225 $25.42 H awaii County $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 68

75 HAWAII FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Hawaii $90,623 3.6 192,176 $1,879 $2,266 43% $75,158 $680 $16.16 $36.13 $840 2.2 $27,187 Combined Nonmetro Areas $1,373 $77,443 $23,233 $581 30,307 34% $1,936 $26.41 $12.99 2.6 2.0 $675 $54,932 Metropolitan Areas $886 2.3 3.9 $17.04 $39.06 $28,800 139,328 Honolulu MSA $96,000 $720 $2,400 $2,031 $81,240 45% $24,420 $81,400 $1,623 $64,920 96% $2,035 $31.21 3.1 53 $611 Kalawao County HMFA † $81,400 $611 $2,035 $1,619 $64,760 42% $24,420 $31.13 $15.07 3.1 2.1 $784 22,488 Maui County HMFA Counties 22,081 $74,200 $557 $1,855 $1,322 $52,880 Hawaii County 33% $22,260 $25.42 $12.07 2.5 2.1 $628 Honolulu County 2.3 $17.04 $39.06 $28,800 45% $81,240 $2,031 $2,400 $720 $96,000 139,328 3.9 $886 $1,623 Kalawao County † $81,400 $611 $2,035 53 96% $24,420 $31.21 3.1 $64,920 Kauai County 8,226 $776 1.9 2.9 $14.93 $29.06 $26,100 37% $60,440 $1,511 $2,175 $653 $87,000 $81,400 22,488 Maui County 2.1 $31.13 $24,420 42% $784 3.1 $15.07 $64,760 $1,619 $2,035 $611 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 69

76 S TAT E S TAT E * RANKING RANKING 42 # IDAHO In Idaho , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.44 . In order to afford this level of rent and utilities — without paying more $803 PER HOUR than 30% of income on housing — a household must earn $2,677 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,122 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT IDAHO: STATE FACTS 85 66 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $12.19 Average Renter Wage 2-Bedroom Housing Wage $15.44 2.1 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 185,569 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 31% Two bedroom FMR $803 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $621 Rent affordable at Blaine County $19.54 $1,584 area median income (AMI) Rent affordable with full-time job paying $634 Teton County $16.75 mean renter wage Rent affordable at 30% of AMI $475 Boise City HMFA $16.65 Rent affordable with full-time job $377 paying minimum wage $16.31 Coeur d’Alene MSA Rent affordable to SSI recipient $241 G em County HMFA $15.19 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 70

77 +&A*1 FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Idaho $63,373 2.1 185,569 $803 $1,584 31% $32,122 $475 $12.19 $15.44 $634 1.3 $19,012 Combined Nonmetro Areas $744 $56,568 $16,970 $424 63,053 31% $1,414 $14.32 $11.04 2.0 1.3 $574 $29,779 Metropolitan Areas $686 1.3 2.3 $13.19 $16.65 $21,090 32% $34,640 $866 $1,758 $527 $70,300 Boise City HMFA 75,636 $1,285 Butte County HMFA $51,400 $386 $710 $28,400 17% $15,420 $13.65 $29.89 1.9 0.5 $1,554 183 $18,870 17,304 $472 $1,573 $848 $33,920 30% $62,900 $16.31 $12.16 2.2 1.3 $632 Coeur d'Alene MSA Gem County HMFA 2.0 1,758 $402 2.1 $7.73 $15.19 $15,210 28% $31,600 $790 $1,268 $380 $50,700 $18,660 $739 $467 $62,200 Idaho Falls HMFA $29,560 27% $1,555 $14.21 $10.33 2.0 1.4 $537 12,112 31% Lewiston MSA $69,200 $519 $1,730 $777 $31,080 $20,760 $14.94 $11.79 2.1 1.3 $613 4,965 20% 1.9 $64,600 $485 $1,615 $702 $28,080 Logan MSA $19,380 $13.50 $9.49 1.4 $493 865 $9.23 1.9 1.5 $1,433 $480 9,693 $28,760 32% $17,190 $13.83 $57,300 Pocatello MSA $430 $719 Counties $21,090 32% $34,640 $866 $1,758 $527 $16.65 52,124 Ada County 2.3 1.2 $711 $13.67 $70,300 $14,490 21% $27,880 $697 $1,208 $362 $48,300 340 Adams County $683 1.0 1.8 $13.13 $13.40 $480 1.5 9,693 $57,300 $430 $1,433 $719 $28,760 32% $17,190 $13.83 $9.23 1.9 Bannock County $27,880 2.2 1.8 $6.02 $13.40 $17,970 22% $313 $697 $1,498 $449 $59,900 526 Bear Lake County $27,920 26% $14,580 $13.42 $14.13 1.9 $1,215 $735 $365 $48,600 943 Benewah County $698 1.0 $18,780 $13.65 $11.65 1.9 $1,565 $470 $28,400 $62,600 3,811 Bingham County 1.2 $606 $710 26% $19.54 2,851 $1,930 $1,016 $40,640 33% $23,160 $579 $12.66 2.7 1.5 $658 $77,200 Blaine County $70,300 Boise County $345 2.5 2.3 $6.64 $16.65 $21,090 19% $34,640 $866 $1,758 $527 561 Bonner County $588 1.3 2.1 $11.31 $15.10 $16,590 27% $31,400 $785 $1,383 $415 $55,300 4,620 Bonneville County $62,200 $467 $1,555 $739 $29,560 10,598 $18,660 $14.21 $10.35 2.0 1.4 $538 29% 1.4 $9.95 $13.85 $16,050 29% $28,800 $720 $517 $1,338 $401 $53,500 1,274 Boundary County 1.9 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 71 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

78 +&A*1 FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Butte County $386 $1,285 $710 $28,400 17% $15,420 $13.65 $29.89 1.9 0.5 $1,554 183 $51,400 28% $27,880 0.6 1.8 $21.23 $13.40 $15,900 $1,104 $697 $1,325 $398 $53,000 107 Camas County 21,594 Canyon County $1,758 $527 $70,300 $866 $34,640 32% $21,090 $16.65 $11.55 2.3 1.4 $601 $21,210 Caribou County $530 $1,768 $697 $27,880 17% $70,700 $13.40 $18.16 1.8 0.7 $945 436 $519 2,226 $55,000 $413 $1,375 $697 $27,880 29% $16,500 $13.40 $9.98 1.8 1.3 Cassia County $11,190 41% $18.76 1.8 0.7 $975 $697 $280 $37,300 118 Clark County $27,880 $13.40 $933 $692 846 $49,200 $369 $1,230 $735 Clearwater County 23% $14,760 $14.13 $13.31 1.9 1.1 $29,400 1.2 1.8 $10.77 $13.40 $16,620 21% $27,880 $697 $1,385 $416 $55,400 381 Custer County $560 $29,600 1.3 4,175 $54,400 $408 $1,360 $740 Elmore County 42% $16,320 $14.23 $10.87 2.0 $565 $28,080 20% $19,380 $13.50 $9.49 1.9 1.4 $493 Franklin County 865 $64,600 $485 $1,615 $702 19% $431 $59,500 $446 $1,488 $741 $29,640 860 $17,850 $14.25 $8.29 2.0 1.7 Fremont County $402 Gem County 1,758 $50,700 $380 $1,268 $790 $31,600 28% $15,210 $15.19 $7.73 2.1 2.0 $697 1.0 1.8 $13.19 $13.40 $15,450 33% $27,880 $1,288 $386 $51,500 1,816 Gooding County $686 21% $723 $49,200 $369 $1,230 $697 $27,880 1,342 $14,760 $13.40 $13.91 1.8 1.0 Idaho County 19% Jefferson County 1,514 $62,200 $467 $1,555 $739 $528 1.4 2.0 $10.15 $14.21 $18,660 $29,560 $736 $29,440 33% $15,270 $14.15 $11.66 2.0 1.2 $606 Jerome County 2,559 $50,900 $382 $1,273 17,304 Kootenai County $472 $1,573 $848 $33,920 30% $18,870 $16.31 $12.16 2.2 1.3 $632 $62,900 $14.06 7,004 $1,688 $731 $29,240 46% $20,250 $506 $7.50 1.9 1.9 $390 Latah County $67,500 1,084 $53,300 $400 $1,333 $697 $27,880 29% Lemhi County $13.40 $8.54 1.8 1.6 $444 $15,990 Lewis County $52,900 $397 $1,323 $697 $27,880 460 $15,870 $13.40 $10.55 1.8 1.3 $549 28% $675 $697 $15,660 $13.40 $12.98 1.8 Lincoln County 31% $27,880 1.0 $1,305 $392 $52,200 489 52% Madison County $36,700 $275 $918 $721 $28,840 5,439 $11,010 $13.87 $8.15 1.9 1.7 $424 1.0 $686 1.8 $13.18 $13.40 $16,080 29% Minidoka County $697 $1,340 $402 $53,600 2,086 $27,880 $613 4,965 $69,200 $519 $1,730 $777 Nez Perce County 31% $20,760 $14.94 $11.79 2.1 1.3 $31,080 $15,480 22% $27,880 $697 $1,290 $387 $51,600 337 Oneida County 1.6 $8.54 $13.40 1.8 $444 $866 $34,640 33% $21,090 $16.65 $12.18 2.3 1.4 $634 Owyhee County 1,357 $70,300 $527 $1,758 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 72 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

79 +&A*1 FY18 HOUSING WAGE RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Payette County $416 $1,385 $757 $30,280 24% $16,620 $14.56 $10.21 2.0 1.4 $55,400 $531 1,960 26% Power County $49,500 $371 $1,238 $759 $30,360 635 $14,850 $14.60 $14.62 2.0 1.0 $760 $762 Shoshone County 1,774 $50,500 $379 $1,263 $699 $27,960 31% $15,150 $13.44 $14.66 1.9 0.9 $20,400 $871 $68,000 $510 $1,700 $34,840 29% 1,063 $16.75 $11.12 2.3 1.5 $578 Teton County $550 9,644 $59,300 $445 $1,483 $745 $29,800 33% $17,790 $14.33 $10.57 2.0 1.4 Twin Falls County 1.6 $479 $785 $1,535 $61,400 23% 801 Valley County $31,400 $18,420 $15.10 $9.21 2.1 $461 $697 $27,880 27% $13,800 $13.40 $9.07 1.8 1.5 $472 Washington County 1,046 $46,000 $345 $1,150 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 73 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

80 S TAT E S TAT E * RANKING RANKING # ILLINOIS 18 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Illinois $20.34 . In order to afford this level of rent and utilities — without paying more $1,058 PER HOUR monthly or $3,525 than 30% of income on housing — a household must earn $42,304 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT ILLINOIS: STATE FACTS 99 83 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $8.25 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $16.78 2-Bedroom Housing Wage $20.34 2.1 2.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,635,043 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 34% Two bedroom FMR $1,058 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $887 Rent affordable at Kendall County HMFA $23.56 $1,987 area median income (AMI) Rent affordable with full-time job paying $873 Chicago-Joliet-Naperville HMFA $22.69 mean renter wage Rent affordable at 30% of AMI $596 $20.79 Grundy County HMFA Rent affordable with full-time job $429 paying minimum wage $18.42 DeKalb County HMFA Rent affordable to SSI recipient $225 $17.23 S t. Louis HMFA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 74

81 ILLINOIS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Illinois 1,635,043 34% $42,304 2.5 1.2 $1,058 $1,987 $23,843 $16.78 $873 $20.34 $596 $79,475 Combined Nonmetro Areas $467 155,708 $1,558 $13.39 $10.52 1.6 1.3 $547 $696 $62,308 $18,692 $27,851 26% Metropolitan Areas $35,760 Bloomington HMFA $91,600 $687 $2,290 $894 1.2 35% $27,480 $17.19 $13.99 2.1 $727 23,131 $13.87 $20,010 $721 1,437 $557 1.3 24% 1.7 $10.70 Bond County HMFA $66,700 $500 $1,668 $28,840 1.3 $28,120 31% $19,380 $13.52 $10.45 1.6 798 $543 Cape Girardeau MSA $64,600 $485 $1,615 $703 $574 38,819 1.5 2.0 $11.04 $16.33 $23,940 42% $33,960 $849 $1,995 $599 $79,800 Champaign-Urbana MSA $25,380 $47,200 $22.69 Chicago-Joliet-Naperville HMFA $84,600 $635 37% $2,115 $18.72 2.8 1.2 $974 1,115,187 $1,180 $14.25 $1,458 Danville MSA $741 $29,640 31% $17,490 $58,300 $11.85 1.7 1.2 $616 9,775 $437 28% $21,690 $14.96 $13.70 1.8 1.1 $713 24,521 Davenport-Moline-Rock Island MSA $72,300 $542 $1,808 $778 $31,120 $748 1,446 $71,400 $536 $1,785 $670 $26,800 22% $21,420 $12.88 $14.39 1.6 0.9 De Witt County HMFA $30,560 13,884 1.8 $12.09 $14.69 $20,010 31% 1.2 $764 $1,668 $500 $66,700 Decatur MSA $629 15,899 1.7 2.2 $11.01 $18.42 $22,440 43% $38,320 $958 $1,870 $561 $74,800 DeKalb County HMFA $573 26% $856 $84,500 $634 $2,113 $1,081 $43,240 Grundy County HMFA $25,350 $20.79 $16.46 2.5 1.3 4,855 $28,480 48% $17,100 $13.69 $9.01 1.7 1.5 $469 11,378 Jackson County HMFA $57,000 $428 $1,425 $712 $17.10 Kankakee MSA $1,698 $889 $35,560 31% $20,370 $509 $11.94 2.1 1.4 $621 12,607 $67,900 7,123 $95,700 $718 $2,393 $1,225 $49,000 18% $28,710 $23.56 $11.15 2.9 2.1 $580 Kendall County HMFA $65,000 Macoupin County HMFA $488 $1,625 $670 $26,800 23% $19,500 $12.88 $7.34 1.6 1.8 $382 4,232 $14.96 $76,200 $1,905 $778 $31,120 29% $22,860 $572 $14.89 1.8 1.0 $774 43,320 Peoria MSA 33% 1.2 $675 43,320 $31,080 $19,860 $14.94 $12.99 1.8 $777 $1,655 $497 $66,200 Rockford MSA 26,473 $23,550 $78,500 $589 $1,963 $826 $33,040 30% $15.88 $11.06 1.9 1.4 $575 Springfield MSA St. Louis HMFA $76,800 $576 $1,920 $896 $35,840 $543 30% $23,040 $17.23 $10.45 2.1 1.6 73,595 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 75 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

82 ILLINOIS RENTERS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $13.38 $563 1.2 1.6 $10.84 Williamson County HMFA $19,230 28% $27,840 $696 7,535 $1,603 $481 $64,100 Counties $670 $26,800 30% $18,930 $12.88 $10.88 1.6 1.2 $566 Adams County $473 $1,578 8,164 $63,100 31% Alexander County 1.3 1.6 $10.45 $13.52 $19,380 $543 $28,120 798 $64,600 $485 $1,615 $703 Bond County $557 1.3 1.7 $10.70 $13.87 $20,010 24% $721 $1,668 $500 $66,700 1,437 $28,840 $640 3,856 $66,200 $497 $1,655 $777 Boone County 21% $19,860 $14.94 $12.31 1.8 1.2 $31,080 Brown County $774 1.0 1.7 $14.88 $14.21 $21,480 23% $29,560 $739 $1,790 $537 $71,600 480 $30,400 $573 3,415 $66,500 $499 $1,663 $760 Bureau County 24% $19,950 $14.62 $11.02 1.8 1.3 $17.23 18% Calhoun County 355 $76,800 $576 $1,920 $23,040 $896 $5.67 2.1 3.0 $295 $35,840 $473 $63,000 Carroll County $1,575 $670 $26,800 24% $18,900 $12.88 $9.86 1.6 1.3 $513 1,624 $18,450 Cass County $461 $1,538 $670 $26,800 28% $61,500 $12.88 $9.82 1.6 1.3 $511 1,417 45% $23,940 $16.33 $11.01 2.0 1.5 $573 Champaign County 36,180 $79,800 $599 $1,995 $849 $33,960 25% Christian County $59,600 $447 $1,490 $673 $26,920 3,512 $17,880 $12.94 $9.48 1.6 1.4 $493 1.2 $551 1.6 $10.60 $12.88 $17,970 25% Clark County $670 $1,498 $449 $59,900 1,696 $26,800 $563 1,253 $56,500 $424 $1,413 $670 Clay County 22% $16,950 $12.88 $10.84 1.6 1.2 $26,800 $17.23 $23,040 18% $35,840 $896 $1,920 $576 $76,800 2,469 $502 2.1 $9.66 1.8 Clinton County $28,840 39% $17,610 $13.87 $9.28 1.7 1.5 $482 Coles County 8,160 $58,700 $440 $1,468 $721 $22.69 Cook County $2,115 $1,180 $47,200 43% $25,380 $635 $20.07 2.8 1.1 $1,044 $84,600 846,438 21% $69,200 $519 $1,730 $670 $26,800 Crawford County $20,760 $12.88 $13.76 1.6 0.9 $716 1,571 $62,300 $467 $1,558 $670 $26,800 20% 853 $18,690 $12.88 Cumberland County $9.69 1.6 1.3 $504 43% DeKalb County $573 1.7 2.2 $11.01 $18.42 $22,440 $38,320 $958 $1,870 $561 $74,800 15,899 $21,420 De Witt County $71,400 $536 $1,785 $670 $26,800 1,446 $12.88 $14.39 1.6 0.9 $748 22% $20,490 $13.50 $11.26 1.6 1.2 $585 $702 26% $1,708 $512 $68,300 1,998 Douglas County $28,080 $952 27% 91,832 $84,600 $635 $2,115 $1,180 $47,200 $25,380 $22.69 $18.30 2.8 1.2 DuPage County Edgar County 1,976 $56,900 $427 $1,423 $670 1.4 $26,800 26% $17,070 $12.88 $9.54 1.6 $496 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 76 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

83 ILLINOIS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Edwards County $434 $1,448 $670 $26,800 17% $17,370 $12.88 $11.28 1.6 1.1 $587 476 $57,900 22% $26,800 1.2 1.6 $10.84 $12.88 $20,910 $564 $670 $1,743 $523 $69,700 2,888 Effingham County 1,366 Fayette County $1,345 $404 $53,800 $670 $26,800 18% $16,140 $12.88 $8.31 1.6 1.6 $432 $23,940 Ford County $599 $1,995 $849 $33,960 27% $79,800 $16.33 $12.93 2.0 1.3 $672 1,527 $443 4,455 $54,700 $410 $1,368 $670 $26,800 28% $16,410 $12.88 $8.52 1.6 1.5 Franklin County $17,910 23% $8.26 1.6 1.6 $429 $694 $448 $59,700 3,290 Fulton County $27,760 $13.35 $1,493 $776 509 $51,500 $386 $1,288 $670 Gallatin County 22% $15,450 $12.88 $14.91 1.6 0.9 $26,800 1.3 1.6 $9.62 $12.88 $16,230 23% $26,800 $670 $1,353 $406 $54,100 1,215 Greene County $500 $43,240 1.3 4,855 $84,500 $634 $2,113 $1,081 Grundy County 26% $25,350 $20.79 $16.46 2.5 $856 $27,320 21% $18,960 $13.13 $10.63 1.6 1.2 $553 Hamilton County 706 $63,200 $474 $1,580 $683 21% $580 $60,000 $450 $1,500 $670 $26,800 1,618 $18,000 $12.88 $11.14 1.6 1.2 Hancock County $259 Hardin County 275 $54,300 $407 $1,358 $670 $26,800 18% $16,290 $12.88 $4.98 1.6 2.6 $672 1.4 1.6 $9.52 $12.92 $17,850 21% $26,880 $1,488 $446 $59,500 651 Henderson County $495 22% $486 $72,300 $542 $1,808 $778 $31,120 4,493 $21,690 $14.96 $9.34 1.8 1.6 Henry County 24% Iroquois County 2,810 $61,700 $463 $1,543 $670 $533 1.3 1.6 $10.25 $12.88 $18,510 $26,800 $712 $28,480 48% $17,100 $13.69 $9.01 1.7 1.5 $469 Jackson County 11,378 $57,000 $428 $1,425 621 Jasper County $527 $1,758 $670 $26,800 17% $21,090 $12.88 $9.50 1.6 1.4 $494 $70,300 $13.38 4,100 $1,493 $696 $27,840 27% $17,910 $448 $10.28 1.6 1.3 $534 Jefferson County $59,700 1,811 $76,800 $576 $1,920 $896 $35,840 21% Jersey County $17.23 $6.37 2.1 2.7 $331 $23,040 Jo Daviess County $69,200 $519 $1,730 $670 $26,800 2,083 $20,760 $12.88 $8.74 1.6 1.5 $455 22% $362 $687 $16,560 $13.21 $6.95 1.6 Johnson County 17% $27,480 1.9 $1,380 $414 $55,200 771 27% Kane County $84,600 $635 $2,115 $1,180 $47,200 46,643 $25,380 $22.69 $12.61 2.8 1.8 $656 1.4 $621 2.1 $11.94 $17.10 $20,370 31% Kankakee County $889 $1,698 $509 $67,900 12,607 $35,560 $580 7,123 $95,700 $718 $2,393 $1,225 Kendall County 18% $28,710 $23.56 $11.15 2.9 2.1 $49,000 $16,830 35% $26,800 $670 $1,403 $421 $56,100 7,317 Knox County 1.4 $9.44 $12.88 1.6 $491 $1,180 $47,200 27% $25,380 $22.69 $19.03 2.8 1.2 $990 Lake County 64,469 $84,600 $635 $2,115 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 77 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

84 ILLINOIS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage La Salle County $512 $1,705 $781 $31,240 27% $20,460 $15.02 $11.07 1.8 1.4 $576 12,127 $68,200 28% $26,800 1.1 1.6 $11.74 $12.88 $16,590 $610 $670 $1,383 $415 $55,300 1,553 Lawrence County 3,613 Lee County $1,718 $515 $68,700 $745 $29,800 27% $20,610 $14.33 $12.12 1.7 1.2 $630 $21,000 Livingston County $525 $1,750 $699 $27,960 28% $70,000 $13.44 $12.13 1.6 1.1 $631 4,089 $621 3,462 $67,700 $508 $1,693 $698 $27,920 31% $20,310 $13.42 $11.95 1.6 1.1 Logan County $19,950 34% $6.00 1.7 2.3 $312 $732 $499 $66,500 4,052 McDonough County $29,280 $14.08 $1,663 $643 23,187 $84,600 $635 $2,115 $1,180 McHenry County 21% $25,380 $22.69 $12.37 2.8 1.8 $47,200 1.2 2.1 $13.99 $17.19 $27,480 35% $35,760 $894 $2,290 $687 $91,600 23,131 McLean County $727 $30,560 1.2 13,884 $66,700 $500 $1,668 $764 Macon County 31% $20,010 $14.69 $12.09 1.8 $629 $26,800 23% $19,500 $12.88 $7.34 1.6 1.8 $382 Macoupin County 4,232 $65,000 $488 $1,625 $670 29% $562 $76,800 $576 $1,920 $896 $35,840 31,228 $23,040 $17.23 $10.81 2.1 1.6 Madison County $475 Marion County 3,974 $56,900 $427 $1,423 $670 $26,800 25% $17,070 $12.88 $9.14 1.6 1.4 $778 1.4 1.8 $10.64 $14.96 $22,860 17% $31,120 $1,905 $572 $76,200 820 Marshall County $553 24% $464 $59,400 $446 $1,485 $716 $28,640 1,465 $17,820 $13.77 $8.92 1.7 1.5 Mason County 25% Massac County 1,458 $53,700 $403 $1,343 $760 $689 1.1 1.8 $13.24 $14.62 $16,110 $30,400 $826 $33,040 24% $23,550 $15.88 $7.68 1.9 2.1 $399 Menard County 1,247 $78,500 $589 $1,963 1,452 Mercer County $542 $1,808 $778 $31,120 22% $21,690 $14.96 $9.55 1.8 1.6 $497 $72,300 $17.23 2,200 $1,920 $896 $35,840 17% $23,040 $576 $8.91 2.1 1.9 $464 Monroe County $76,800 2,555 $62,400 $468 $1,560 $684 $27,360 23% Montgomery County $13.15 $9.75 1.6 1.3 $507 $18,720 Morgan County $65,400 $491 $1,635 $670 $26,800 4,185 $19,620 $12.88 $10.37 1.6 1.2 $539 30% $589 $670 $18,360 $12.88 $11.33 1.6 Moultrie County 24% $26,800 1.1 $1,530 $459 $61,200 1,418 24% Ogle County $72,200 $542 $1,805 $736 $29,440 5,020 $21,660 $14.15 $13.05 1.7 1.1 $679 1.1 $734 1.8 $14.12 $14.96 $22,860 35% Peoria County $778 $1,905 $572 $76,200 26,483 $31,120 $388 2,024 $60,900 $457 $1,523 $670 Perry County 25% $18,270 $12.88 $7.46 1.6 1.7 $26,800 $23,940 17% $33,960 $849 $1,995 $599 $79,800 1,112 Piatt County 1.9 $8.74 $16.33 2.0 $455 $670 $26,800 22% $16,350 $12.88 $10.47 1.6 1.2 $544 Pike County 1,469 $54,500 $409 $1,363 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 78 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

85 ILLINOIS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pope County $450 $1,500 $670 $26,800 15% $18,000 $12.88 $5.31 1.6 2.4 $276 246 $60,000 26% $26,800 1.1 1.6 $11.79 $12.88 $14,100 $613 $670 $1,175 $353 $47,000 598 Pulaski County 491 Putnam County $1,945 $584 $77,800 $729 $29,160 20% $23,340 $14.02 $13.08 1.7 1.1 $680 $19,410 Randolph County $485 $1,618 $674 $26,960 23% $64,700 $12.96 $11.73 1.6 1.1 $610 2,792 $467 1,741 $58,900 $442 $1,473 $670 $26,800 27% $17,670 $12.88 $8.99 1.6 1.4 Richland County $21,690 31% $14.65 1.8 1.0 $762 $778 $542 $72,300 18,576 Rock Island County $31,120 $14.96 $1,808 $547 35,532 $76,800 $576 $1,920 $896 St. Clair County 35% $23,040 $17.23 $10.53 2.1 1.6 $35,840 1.4 1.6 $8.89 $12.88 $16,260 28% $26,800 $670 $1,355 $407 $54,200 2,827 Saline County $462 $33,040 1.4 25,226 $78,500 $589 $1,963 $826 Sangamon County 30% $23,550 $15.88 $11.11 1.9 $578 $26,800 18% $18,270 $12.88 $14.38 1.6 0.9 $748 Schuyler County 540 $60,900 $457 $1,523 $670 24% $651 $64,200 $482 $1,605 $670 $26,800 505 $19,260 $12.88 $12.52 1.6 1.0 Scott County $446 Shelby County 1,807 $59,200 $444 $1,480 $670 $26,800 20% $17,760 $12.88 $8.57 1.6 1.5 $778 1.3 1.8 $11.54 $14.96 $22,860 18% $31,120 $1,905 $572 $76,200 422 Stark County $600 30% $587 $59,100 $443 $1,478 $670 $26,800 5,954 $17,730 $12.88 $11.29 1.6 1.1 Stephenson County 24% Tazewell County 12,984 $76,200 $572 $1,905 $778 $901 0.9 1.8 $17.33 $14.96 $22,860 $31,120 $670 $26,800 21% $16,830 $12.88 $8.91 1.6 1.4 $463 Union County 1,416 $56,100 $421 $1,403 9,775 Vermilion County $437 $1,458 $741 $29,640 31% $17,490 $14.25 $11.85 1.7 1.2 $616 $58,300 $12.98 1,276 $1,640 $675 $27,000 26% $19,680 $492 $6.84 1.6 1.9 $356 Wabash County $65,600 1,767 $57,000 $428 $1,425 $685 $27,400 26% Warren County $13.17 $13.09 1.6 1.0 $681 $17,100 Washington County $70,300 $527 $1,758 $706 $28,240 1,201 $21,090 $13.58 $14.28 1.6 1.0 $742 21% $482 $670 $17,490 $12.88 $9.26 1.6 Wayne County 21% $26,800 1.4 $1,458 $437 $58,300 1,502 24% White County $61,500 $461 $1,538 $670 $26,800 1,510 $18,450 $12.88 $11.71 1.6 1.1 $609 1.4 $516 1.7 $9.92 $13.83 $18,990 25% Whiteside County $719 $1,583 $475 $63,300 5,801 $28,760 $635 42,618 $84,600 $635 $2,115 $1,180 Will County 19% $25,380 $22.69 $12.22 2.8 1.9 $47,200 $19,230 28% $27,840 $696 $1,603 $481 $64,100 7,535 Williamson County 1.2 $10.84 $13.38 1.6 $563 $777 $31,080 35% $19,860 $14.94 $13.08 1.8 1.1 $680 Winnebago County 39,464 $66,200 $497 $1,655 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 79 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

86 ILLINOIS HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage 18% $22,860 $14.96 $10.80 1.8 1.4 $561 Woodford County $76,200 $572 $1,905 2,611 $778 $31,120 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 80 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

87 S TAT E S TAT E * RANKING RANKING 40 # INDIANA In Indiana , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.56 . In order to afford this level of rent and utilities — without paying more $809 PER HOUR than 30% of income on housing — a household must earn $2,697 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,359 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT INDIANA: STATE FACTS 86 69 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $13.44 Average Renter Wage 2-Bedroom Housing Wage $15.56 2.1 1.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 786,317 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 31% Two bedroom FMR $809 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $647 Rent affordable at Bloomington HMFA $17.69 $1,685 area median income (AMI) Rent affordable with full-time job paying $699 Gary HMFA $17.42 mean renter wage Rent affordable at 30% of AMI $505 South Bend-Mishawaka HMFA $16.50 Rent affordable with full-time job $377 paying minimum wage $16.38 Indianapolis-Carmel HMFA Rent affordable to SSI recipient $225 C incinnati HMFA $16.25 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 81

88 INDIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Indiana 786,317 31% $32,359 2.1 1.2 $809 $1,685 $20,219 $13.44 $699 $15.56 $505 $67,395 Combined Nonmetro Areas $442 142,208 $1,473 $13.92 $11.87 1.9 1.2 $617 $724 $58,901 $17,670 $28,963 25% Metropolitan Areas $29,280 Anderson HMFA $57,800 $434 $1,445 $732 1.3 31% $17,340 $14.08 $10.81 1.9 $562 15,764 $17.69 $22,740 $920 24,806 $524 1.8 46% 2.4 $10.08 Bloomington HMFA $75,800 $569 $1,895 $36,800 1.3 $27,880 19% $19,110 $13.40 $10.41 1.8 1,477 $541 Carroll County HMFA $63,700 $478 $1,593 $697 $452 4,383 1.9 2.2 $8.69 $16.25 $23,490 21% $33,800 $845 $1,958 $587 $78,300 Cincinnati HMFA $21,330 $33,720 $16.21 Columbus MSA $71,100 $533 30% $1,778 $18.68 2.2 0.9 $971 9,294 $843 $15.02 $1,528 Elkhart-Goshen MSA $781 $31,240 31% $18,330 $61,100 $14.13 2.1 1.1 $735 22,142 $458 31% $19,530 $14.79 $12.97 2.0 1.1 $674 33,586 Evansville MSA $65,100 $488 $1,628 $769 $30,760 $647 49,437 $65,600 $492 $1,640 $752 $30,080 30% $19,680 $14.46 $12.44 2.0 1.2 Fort Wayne MSA $36,240 73,415 2.4 $12.53 $17.42 $20,730 29% 1.4 $906 $1,728 $518 $69,100 Gary HMFA $651 245,697 1.0 2.3 $15.95 $16.38 $23,160 36% $34,080 $852 $1,930 $579 $77,200 Indianapolis-Carmel HMFA $829 23% $581 $67,000 $503 $1,675 $812 $32,480 Jasper County HMFA $20,100 $15.62 $11.16 2.2 1.4 2,791 $27,880 32% $19,230 $13.40 $13.29 1.8 1.0 $691 10,872 Kokomo MSA $64,100 $481 $1,603 $697 $15.85 Lafayette-West Lafayette HMFA $1,773 $824 $32,960 46% $21,270 $532 $12.15 2.2 1.3 $632 32,699 $70,900 23,272 $71,500 $536 $1,788 $821 $32,840 27% $21,450 $15.79 $11.03 2.2 1.4 $573 Louisville HMFA $60,400 Michigan City-La Porte MSA $453 $1,510 $758 $30,320 29% $18,120 $14.58 $11.02 2.0 1.3 $573 12,480 $14.00 $58,200 $1,455 $728 $29,120 36% $17,460 $437 $9.57 1.9 1.5 $498 16,643 Muncie MSA 21% 1.1 $647 1,790 $29,040 $17,070 $13.96 $12.44 1.9 $726 $1,423 $427 $56,900 Owen County HMFA 3,418 $19,410 $64,700 $485 $1,618 $697 $27,880 26% $13.40 $13.64 1.8 1.0 $710 Putnam County HMFA Scott County HMFA $53,700 $403 $1,343 $782 $31,280 $510 27% $16,110 $15.04 $9.81 2.1 1.5 2,358 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 82 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

89 INDIANA FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage South Bend-Mishawaka HMFA $16.50 $18,990 32% $34,320 32,223 $1,583 $475 $63,300 $639 1.3 2.3 $12.28 $858 Sullivan County HMFA $773 2.1 1.6 $1,455 $474 2,196 $437 $58,200 $9.12 $17,460 28% $30,920 $14.87 Terre Haute HMFA $1,455 2.0 1.4 $547 $17,460 $58,200 $437 $14.79 $10.52 $769 $30,760 35% 20,089 Union County HMFA 1.5 $454 797 $18,420 27% $27,960 $699 $1,535 $13.44 1.9 $61,400 $461 $8.73 Washington County HMFA $9.88 $697 $27,880 24% $16,170 $13.40 $1,348 1.8 1.4 $404 $514 2,480 $53,900 Counties $1,560 $697 $27,880 24% $18,720 $13.40 $8.58 1.8 1.6 $446 Adams County $468 2,893 $62,400 $14.46 Allen County $1,640 $752 $30,080 32% $19,680 $492 $12.65 2.0 1.1 $658 $65,600 44,688 9,294 $71,100 $533 $1,778 $843 $33,720 30% $21,330 $16.21 $18.68 2.2 0.9 $971 Bartholomew County $21,270 927 $532 $1,773 $824 $32,960 27% $70,900 $15.85 $13.04 2.2 1.2 Benton County $678 1,361 $49,400 $371 $1,235 $697 $27,880 26% $14,820 $13.40 $11.69 1.8 1.1 $608 Blackford County 5,619 $568 $579 $1,930 $852 $34,080 Boone County 24% $23,160 $16.38 $10.93 2.3 1.5 $77,200 $852 $379 $7.29 $16.38 $23,160 20% $34,080 2.3 $1,930 $579 $77,200 1,202 Brown County 2.2 $541 1.3 1.8 $10.41 $13.40 $19,110 19% $27,880 $1,593 $478 $63,700 1,477 Carroll County $697 Cass County $28,160 $56,200 $422 $1,405 $704 24% $16,860 $13.54 $11.13 1.9 1.2 $579 3,542 $21,450 Clark County $536 $1,788 $821 $32,840 29% $71,500 $15.79 $12.16 2.2 1.3 $632 12,339 $8.08 $17,460 25% $30,760 $769 $1,455 $437 2.0 $58,200 2,621 Clay County 1.8 $420 $14.79 $29,280 1.1 3,252 $61,700 $463 $1,543 $732 Clinton County 28% $18,510 $14.08 $12.93 1.9 $672 $350 2.0 1.8 $6.74 $13.40 $13,860 19% $27,880 $697 $1,155 $347 $46,200 769 Crawford County $27,880 1.4 3,042 $60,200 $452 $1,505 $697 Daviess County 26% $18,060 $13.40 $9.84 1.8 $512 $16.25 $8.93 2.2 1.8 $464 Dearborn County 3,919 $78,300 $587 $1,958 $845 $33,800 21% $23,490 29% Decatur County $60,400 $453 $1,510 $816 $32,640 2,953 $18,120 $15.69 $16.15 2.2 1.0 $840 24% DeKalb County 3,815 $63,300 $475 $1,583 $718 $28,720 $18,990 $13.81 $12.88 1.9 1.1 $670 Delaware County 16,643 $58,200 $437 $1,455 $728 $498 $29,120 36% $17,460 $14.00 $9.57 1.9 1.5 1.2 Dubois County 3,792 $70,100 $526 $1,753 $578 $27,880 23% $21,030 $13.40 $11.11 1.8 $697 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 83 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

90 INDIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Elkhart County $458 $1,528 $781 $31,240 31% $18,330 $15.02 $14.13 2.1 1.1 $735 22,142 $61,100 31% $28,760 1.5 1.9 $9.12 $13.83 $15,030 $474 $719 $1,253 $376 $50,100 2,903 Fayette County 8,171 Floyd County $1,788 $536 $71,500 $821 $32,840 28% $21,450 $15.79 $9.23 2.2 1.7 $480 $17,280 Fountain County $432 $1,440 $765 $30,600 26% $57,600 $14.71 $10.80 2.0 1.4 $562 1,823 $449 1,843 $63,300 $475 $1,583 $744 $29,760 21% $18,990 $14.31 $8.63 2.0 1.7 Franklin County $17,190 22% $11.67 1.8 1.1 $607 $697 $430 $57,300 1,778 Fulton County $27,880 $13.40 $1,433 $876 3,048 $63,900 $479 $1,598 $723 Gibson County 23% $19,170 $13.90 $16.85 1.9 0.8 $28,920 1.1 1.8 $11.67 $13.40 $16,200 31% $27,880 $697 $1,350 $405 $54,000 8,180 Grant County $607 $27,880 1.5 2,579 $59,400 $446 $1,485 $697 Greene County 20% $17,820 $13.40 $9.05 1.8 $471 $34,080 22% $23,160 $16.38 $14.86 2.3 1.1 $773 Hamilton County 24,819 $77,200 $579 $1,930 $852 23% $579 $77,200 $579 $1,930 $852 $34,080 6,105 $23,160 $16.38 $11.13 2.3 1.5 Hancock County $489 Harrison County 2,762 $71,500 $536 $1,788 $821 $32,840 19% $21,450 $15.79 $9.41 2.2 1.7 $852 1.6 2.3 $10.21 $16.38 $23,160 21% $34,080 $1,930 $579 $77,200 11,515 Hendricks County $531 27% $474 $55,900 $419 $1,398 $697 $27,880 4,913 $16,770 $13.40 $9.12 1.8 1.5 Henry County 32% Howard County 10,872 $64,100 $481 $1,603 $697 $691 1.0 1.8 $13.29 $13.40 $19,230 $27,880 $715 $28,600 24% $18,090 $13.75 $10.84 1.9 1.3 $564 Huntington County 3,496 $60,300 $452 $1,508 4,319 Jackson County $449 $1,495 $730 $29,200 26% $17,940 $14.04 $12.02 1.9 1.2 $625 $59,800 $15.62 2,791 $1,675 $812 $32,480 23% $20,100 $503 $11.16 2.2 1.4 $581 Jasper County $67,000 1,975 $53,700 $403 $1,343 $697 $27,880 24% Jay County $13.40 $9.51 1.8 1.4 $495 $16,110 Jefferson County $55,700 $418 $1,393 $748 $29,920 3,617 $16,710 $14.38 $12.39 2.0 1.2 $644 29% $690 $772 $16,890 $14.85 $13.27 2.0 Jennings County 26% $30,880 1.1 $1,408 $422 $56,300 2,757 29% Johnson County $77,200 $579 $1,930 $852 $34,080 15,837 $23,160 $16.38 $11.20 2.3 1.5 $582 1.2 $601 1.9 $11.56 $14.13 $17,550 34% Knox County $735 $1,463 $439 $58,500 4,989 $29,400 $831 7,376 $62,500 $469 $1,563 $765 Kosciusko County 25% $18,750 $14.71 $15.98 2.0 0.9 $30,600 $17,070 18% $27,880 $697 $1,423 $427 $56,900 2,145 LaGrange County 1.0 $13.10 $13.40 1.8 $681 $906 $36,240 31% $20,730 $17.42 $12.71 2.4 1.4 $661 Lake County 57,531 $69,100 $518 $1,728 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 84 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

91 INDIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage LaPorte County $453 $1,510 $758 $30,320 29% $18,120 $14.58 $11.02 2.0 1.3 $573 12,480 $60,400 22% $29,720 1.4 2.0 $10.00 $14.29 $17,520 $520 $743 $1,460 $438 $58,400 4,144 Lawrence County 15,764 Madison County $1,445 $434 $57,800 $732 $29,280 31% $17,340 $14.08 $10.81 1.9 1.3 $562 $23,160 Marion County $579 $1,930 $852 $34,080 46% $77,200 $16.38 $17.92 2.3 0.9 $932 169,648 $516 4,129 $62,800 $471 $1,570 $753 $30,120 24% $18,840 $14.48 $9.93 2.0 1.5 Marshall County $17,910 22% $8.01 1.8 1.7 $416 $697 $448 $59,700 934 Martin County $27,880 $13.40 $1,493 $513 3,649 $59,400 $446 $1,485 $697 Miami County 28% $17,820 $13.40 $9.87 1.8 1.4 $27,880 1.8 2.4 $10.08 $17.69 $22,740 46% $36,800 $920 $1,895 $569 $75,800 24,806 Monroe County $524 $30,160 1.1 4,241 $59,900 $449 $1,498 $754 Montgomery County 29% $17,970 $14.50 $12.75 2.0 $663 $34,080 24% $23,160 $16.38 $11.49 2.3 1.4 $598 Morgan County 6,137 $77,200 $579 $1,930 $852 25% $742 $69,100 $518 $1,728 $906 $36,240 1,370 $20,730 $17.42 $14.27 2.4 1.2 Newton County $584 Noble County 4,589 $63,100 $473 $1,578 $702 $28,080 25% $18,930 $13.50 $11.23 1.9 1.2 $845 2.6 2.2 $6.13 $16.25 $23,490 19% $33,800 $1,958 $587 $78,300 464 Ohio County $319 25% $487 $50,900 $382 $1,273 $697 $27,880 1,952 $15,270 $13.40 $9.37 1.8 1.4 Orange County 21% Owen County 1,790 $56,900 $427 $1,423 $726 $647 1.1 1.9 $12.44 $13.96 $17,070 $29,040 $697 $27,880 22% $15,900 $13.40 $9.27 1.8 1.4 $482 Parke County 1,337 $53,000 $398 $1,325 1,624 Perry County $450 $1,500 $698 $27,920 22% $18,000 $13.42 $10.55 1.9 1.3 $548 $60,000 $13.40 791 $1,485 $697 $27,880 16% $17,820 $446 $17.25 1.8 0.8 $897 Pike County $59,400 14,514 $69,100 $518 $1,728 $906 $36,240 23% Porter County $17.42 $11.87 2.4 1.5 $617 $20,730 Posey County $65,100 $488 $1,628 $769 $30,760 1,554 $19,530 $14.79 $12.26 2.0 1.2 $637 16% $734 $697 $16,230 $13.40 $14.11 1.8 Pulaski County 24% $27,880 1.0 $1,353 $406 $54,100 1,250 26% Putnam County $64,700 $485 $1,618 $697 $27,880 3,418 $19,410 $13.40 $13.64 1.8 1.0 $710 1.2 $592 1.8 $11.38 $13.40 $15,870 24% Randolph County $697 $1,323 $397 $52,900 2,557 $27,880 $642 2,624 $63,200 $474 $1,580 $744 Ripley County 24% $18,960 $14.31 $12.34 2.0 1.2 $29,760 $18,090 28% $28,480 $712 $1,508 $452 $60,300 1,889 Rush County 1.1 $12.00 $13.69 1.9 $624 $858 $34,320 32% $18,990 $16.50 $12.28 2.3 1.3 $639 St. Joseph County 32,223 $63,300 $475 $1,583 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 85 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

92 INDIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Scott County $403 $1,343 $782 $31,280 27% $16,110 $15.04 $9.81 2.1 1.5 $510 2,358 $53,700 $34,080 $646 2.3 $12.42 $16.38 $23,160 28% 1.3 $852 Shelby County 4,815 $77,200 $579 $1,930 $27,880 $508 1.4 1.8 $9.76 $13.40 $20,850 $697 $1,738 $521 $69,500 1,472 Spencer County 18% $548 1,646 $52,800 $396 $1,320 $739 Starke County 19% $15,840 $14.21 $10.54 2.0 1.3 $29,560 Steuben County $568 1.4 2.1 $10.92 $14.94 $17,820 23% $31,080 $777 $1,485 $446 $59,400 3,121 $17,460 $30,920 Sullivan County 2,196 $58,200 $437 $1,455 $14.87 $9.12 2.1 1.6 $474 $773 28% $51,000 $14.15 Switzerland County $709 1.0 2.0 $13.64 1,208 $15,300 29% $29,440 $736 $1,275 $383 $21,270 31,772 Tippecanoe County $1,773 $824 $32,960 47% $532 $15.85 $12.13 2.2 1.3 $631 $70,900 $31,440 21% $18,750 $15.12 $12.76 2.1 1.2 $664 Tipton County 1,334 $62,500 $469 $1,563 $786 1.5 $454 797 $61,400 $461 $1,535 $699 $27,960 27% $18,420 $13.44 $8.73 1.9 Union County $769 $684 $13.15 $14.79 $19,530 37% $30,760 2.0 $1,628 $488 $65,100 27,478 Vanderburgh County 1.1 $691 1.1 2.0 $13.29 $14.79 $17,460 24% $769 $1,455 $437 $58,200 1,593 Vermillion County $30,760 $30,760 1.4 15,875 $58,200 $437 $1,455 $769 Vigo County 39% $17,460 $14.79 $10.65 2.0 $554 $701 $28,040 25% $16,800 $13.48 $11.65 1.9 1.2 $606 Wabash County 3,242 $56,000 $420 $1,400 $19,890 Warren County $497 $1,658 $725 $29,000 17% $66,300 $13.94 $11.88 1.9 1.2 $618 567 $627 4,554 $65,100 $488 $1,628 $769 $30,760 20% $19,530 $14.79 $12.06 2.0 1.2 Warrick County 2,480 Washington County $53,900 $404 $1,348 $697 $27,880 24% $16,170 $13.40 $9.88 1.8 1.4 $514 $15,870 8,630 $397 $1,323 $724 $28,960 32% $52,900 $13.92 $10.16 1.9 1.4 $528 Wayne County $30,080 2.0 1.4 $523 $752 20% $19,680 $14.46 $10.05 $1,640 $492 $65,600 2,114 Wells County $656 22% 2,118 $64,700 $485 $1,618 $721 $28,840 $19,410 $13.87 $12.61 1.9 1.1 White County Whitley County 2,635 $65,600 $492 $1,640 $752 1.3 $30,080 20% $19,680 $14.46 $11.37 2.0 $591 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 86 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

93 S TAT E S TAT E * RANKING RANKING # 45 IOWA In . Iowa , the Fair Market Rent (FMR) for a two-bedroom apartment is $781 $15.01 In order to afford this level of rent and utilities — without paying more than PER HOUR $2,602 30% of income on housing — a household must earn monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $31,226 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT IOWA: STATE FACTS 65 83 Work Hours Per Week At Work Hours Per Week At To Afford a Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom Minimum Wage $7.25 Rental Home (at FMR) (at FMR) Rental Home $12.50 Average Renter Wage $15.01 2-Bedroom Housing Wage 2.1 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 359,522 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a (at FMR) 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home Percent Renters 29% Two bedroom FMR $781 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $611 Rent affordable at Iowa City HMFA $18.38 $1,810 area median income (AMI) Rent affordable with full-time job paying $650 Omaha-Council Bluffs HMFA $17.83 mean renter wage Rent affordable at 30% of AMI $543 $17.06 Ames MSA Rent affordable with full-time job $377 paying minimum wage $16.83 Des Moines-West Des Moines MSA Rent affordable to SSI recipient $225 $15.71 M uscatine County $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 87

94 IOWA HOUSING COSTS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Iowa $543 $650 1.2 $12.50 $15.01 29% $21,716 $31,226 $781 $1,810 $72,385 2.1 359,522 Combined Nonmetro Areas 1.8 1.1 $13.05 $598 $679 $65,243 $27,154 $19,573 $489 135,272 $1,631 $11.50 26% Metropolitan Areas Ames MSA $17.06 $533 2.4 1.7 $23,940 17,211 $79,800 $599 $1,995 $887 $35,480 47% $10.26 Benton County HMFA $12.50 1.5 $445 1,976 $26,000 $650 $1,998 $599 $79,900 19% $8.56 $23,970 1.7 Bremer County HMFA 19% 1,807 $9.98 1.3 $12.92 $24,840 $519 1.8 $672 $82,800 $621 $26,880 $2,070 Cedar Rapids HMFA $81,300 23,348 $610 $2,033 $774 $30,960 27% $24,390 $14.88 $13.27 2.1 1.1 $690 Davenport-Moline-Rock Island MSA 21,288 $542 $1,808 $778 $31,120 32% $21,690 $14.96 $11.66 2.1 1.3 $72,300 $606 Des Moines-West Des Moines MSA $597 $1,990 $875 $35,000 $795 $79,600 31% $23,880 $16.83 $15.29 2.3 72,877 1.1 Dubuque MSA 1.4 2.1 $11.04 $15.00 $75,100 10,543 $574 28% $31,200 $780 $1,878 $563 $22,530 Iowa City HMFA $2,175 $956 $38,240 41% $26,100 $18.38 $9.25 2.5 2.0 $481 23,334 $87,000 $653 Jones County HMFA 24% $26,120 $523 $69,700 $503 1.3 $1,743 $653 $20,910 $12.56 $9.67 1.7 1,945 Omaha-Council Bluffs HMFA 2.5 1.6 $590 14,313 $2,040 30% $24,480 $927 $17.83 $11.34 $81,600 $612 $37,080 Plymouth County HMFA 21% $569 $1,898 $675 $27,000 $710 1.0 $75,900 $22,770 $12.98 $13.66 1.8 2,100 Sioux City HMFA $1,628 $12.80 2.1 1.2 $666 $32,240 $806 $15.50 $488 $65,100 12,602 33% $19,530 Washington County HMFA 1.5 2.1 $10.27 $14.94 $22,140 2,373 $534 $554 27% $31,080 $777 $1,845 $73,800 Waterloo-Cedar Falls HMFA $30,600 32% $20,220 $14.71 $12.43 2.0 1.2 $646 18,533 $67,400 $506 $1,685 $765 Counties Adair County $61,900 $464 $1,548 $650 $26,000 746 $18,570 $12.50 $10.11 1.7 1.2 $526 23% Adams County 438 $61,800 $464 $1,545 $650 $26,000 26% $18,540 $12.50 $15.21 1.7 0.8 $791 $17,910 Allamakee County $448 $1,493 $650 $26,000 22% $59,700 $12.50 $10.48 1.7 1.2 $545 1,311 $441 1,405 $58,700 $440 $1,468 $650 $26,000 26% $17,610 $12.50 $8.48 1.7 1.5 Appanoose County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 88 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

95 IOWA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Audubon County $484 $1,613 $650 $26,000 19% $19,350 $12.50 $10.58 1.7 1.2 $550 518 $64,500 19% $26,000 1.5 1.7 $8.56 $12.50 $23,970 $445 $650 $1,998 $599 $79,900 1,976 Benton County 17,502 Black Hawk County $1,685 $506 $67,400 $765 $30,600 33% $20,220 $14.71 $12.38 2.0 1.2 $644 $21,900 Boone County $548 $1,825 $687 $27,480 25% $73,000 $13.21 $10.97 1.8 1.2 $571 2,790 $519 1,807 $82,800 $621 $2,070 $672 $26,880 19% $24,840 $12.92 $9.98 1.8 1.3 Bremer County $22,080 21% $9.78 1.8 1.3 $509 $676 $552 $73,600 1,692 Buchanan County $27,040 $13.00 $1,840 $639 2,405 $61,800 $464 $1,545 $651 Buena Vista County 32% $18,540 $12.52 $12.29 1.7 1.0 $26,040 1.1 1.7 $11.86 $12.50 $20,130 20% $26,000 $650 $1,678 $503 $67,100 1,282 Butler County $617 $26,000 1.1 1,017 $61,700 $463 $1,543 $650 Calhoun County 24% $18,510 $12.50 $10.88 1.7 $566 $26,000 25% $21,330 $12.50 $8.55 1.7 1.5 $445 Carroll County 2,129 $71,100 $533 $1,778 $650 29% $554 $55,000 $413 $1,375 $650 $26,000 1,783 $16,500 $12.50 $10.66 1.7 1.2 Cass County $671 Cedar County 1,628 $71,900 $539 $1,798 $686 $27,440 21% $21,570 $13.19 $12.91 1.8 1.0 $720 1.2 1.9 $11.93 $13.85 $20,040 30% $28,800 $1,670 $501 $66,800 5,789 Cerro Gordo County $620 27% $563 $68,800 $516 $1,720 $650 $26,000 1,413 $20,640 $12.50 $10.83 1.7 1.2 Cherokee County 22% Chickasaw County 1,131 $64,800 $486 $1,620 $650 $550 1.2 1.7 $10.58 $12.50 $19,440 $26,000 $728 $29,120 34% $18,450 $14.00 $11.79 1.9 1.2 $613 Clarke County 1,315 $61,500 $461 $1,538 2,071 Clay County $510 $1,700 $650 $26,000 28% $20,400 $12.50 $10.09 1.7 1.2 $524 $68,000 $12.50 1,833 $1,578 $650 $26,000 24% $18,930 $473 $10.74 1.7 1.2 $558 Clayton County $63,100 5,168 $69,000 $518 $1,725 $704 $28,160 26% Clinton County $13.54 $9.42 1.9 1.4 $490 $20,700 Crawford County $59,700 $448 $1,493 $650 $26,000 1,739 $17,910 $12.50 $11.14 1.7 1.1 $580 27% $762 $875 $23,880 $16.83 $14.66 2.3 Dallas County 26% $35,000 1.1 $1,990 $597 $79,600 7,757 21% Davis County $62,300 $467 $1,558 $672 $26,880 668 $18,690 $12.92 $8.67 1.8 1.5 $451 1.5 $427 1.7 $8.20 $12.50 $16,230 34% Decatur County $650 $1,353 $406 $54,100 1,080 $26,000 $530 1,307 $74,200 $557 $1,855 $650 Delaware County 19% $22,260 $12.50 $10.19 1.7 1.2 $26,000 $17,490 27% $29,120 $728 $1,458 $437 $58,300 4,430 Des Moines County 1.2 $11.89 $14.00 1.9 $618 $693 $27,720 24% $22,560 $13.33 $9.36 1.8 1.4 $487 Dickinson County 1,960 $75,200 $564 $1,880 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 89 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

96 IOWA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Dubuque County $563 $1,878 $780 $31,200 28% $22,530 $15.00 $11.04 2.1 1.4 $574 10,543 $75,100 22% $26,000 1.1 1.7 $11.05 $12.50 $20,250 $574 $650 $1,688 $506 $67,500 922 Emmet County 2,014 Fayette County $1,500 $450 $60,000 $650 $26,000 24% $18,000 $12.50 $9.12 1.7 1.4 $474 $17,700 Floyd County $443 $1,475 $650 $26,000 29% $59,000 $12.50 $9.30 1.7 1.3 $484 1,966 $733 1,086 $61,800 $464 $1,545 $650 $26,000 26% $18,540 $12.50 $14.09 1.7 0.9 Franklin County $20,580 25% $10.61 1.7 1.2 $552 $650 $515 $68,600 739 Fremont County $26,000 $12.50 $1,715 $642 940 $62,400 $468 $1,560 $650 Greene County 24% $18,720 $12.50 $12.35 1.7 1.0 $26,000 1.1 2.0 $13.23 $14.71 $20,220 20% $30,600 $765 $1,685 $506 $67,400 1,031 Grundy County $688 $35,000 1.4 853 $79,600 $597 $1,990 $875 Guthrie County 19% $23,880 $16.83 $11.68 2.3 $607 $27,640 28% $19,110 $13.29 $11.39 1.8 1.2 $592 Hamilton County 1,816 $63,700 $478 $1,593 $691 22% $597 $67,900 $509 $1,698 $650 $26,000 1,025 $20,370 $12.50 $11.47 1.7 1.1 Hancock County $669 Hardin County 1,695 $70,500 $529 $1,763 $650 $26,000 24% $21,150 $12.50 $12.87 1.7 1.0 $927 1.9 2.5 $9.59 $17.83 $24,480 24% $37,080 $2,040 $612 $81,600 1,450 Harrison County $499 29% $620 $63,600 $477 $1,590 $659 $26,360 2,198 $19,080 $12.67 $11.92 1.7 1.1 Henry County 20% Howard County 768 $64,500 $484 $1,613 $650 $563 1.2 1.7 $10.83 $12.50 $19,350 $26,000 $650 $26,000 28% $18,960 $12.50 $11.68 1.7 1.1 $607 Humboldt County 1,186 $63,200 $474 $1,580 762 Ida County $476 $1,585 $650 $26,000 25% $19,020 $12.50 $11.72 1.7 1.1 $610 $63,400 $12.50 1,446 $1,888 $650 $26,000 21% $22,650 $566 $10.31 1.7 1.2 $536 Iowa County $75,500 2,150 $61,700 $463 $1,543 $650 $26,000 26% Jackson County $12.50 $9.24 1.7 1.4 $481 $18,510 Jasper County $72,400 $543 $1,810 $683 $27,320 3,956 $21,720 $13.13 $10.39 1.8 1.3 $540 27% $598 $746 $18,720 $14.35 $11.50 2.0 Jefferson County 34% $29,840 1.2 $1,560 $468 $62,400 2,321 41% Johnson County $87,000 $653 $2,175 $956 $38,240 23,334 $26,100 $18.38 $9.25 2.5 2.0 $481 1.3 $503 1.7 $9.67 $12.56 $20,910 24% Jones County $653 $1,743 $523 $69,700 1,945 $26,120 $569 995 $58,600 $440 $1,465 $650 Keokuk County 23% $17,580 $12.50 $10.93 1.7 1.1 $26,000 $20,550 21% $26,000 $650 $1,713 $514 $68,500 1,377 Kossuth County 1.1 $11.64 $12.50 1.7 $605 $650 $26,000 26% $17,610 $12.50 $13.22 1.7 0.9 $688 Lee County 3,658 $58,700 $440 $1,468 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 90 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

97 IOWA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Linn County $610 $2,033 $774 $30,960 27% $24,390 $14.88 $13.27 2.1 1.1 $690 23,348 $81,300 23% $27,960 1.2 1.9 $11.58 $13.44 $18,990 $602 $699 $1,583 $475 $63,300 1,020 Louisa County 783 Lucas County $1,508 $452 $60,300 $688 $27,520 21% $18,090 $13.23 $12.45 1.8 1.1 $647 $21,090 Lyon County $527 $1,758 $650 $26,000 17% $70,300 $12.50 $11.22 1.7 1.1 $584 776 $532 1,438 $79,600 $597 $1,990 $875 $35,000 23% $23,880 $16.83 $10.24 2.3 1.6 Madison County $18,180 31% $11.30 1.8 1.2 $588 $695 $455 $60,600 2,797 Mahaska County $27,800 $13.37 $1,515 $673 3,560 $73,300 $550 $1,833 $732 Marion County 27% $21,990 $14.08 $12.95 1.9 1.1 $29,280 0.9 1.9 $14.92 $14.00 $19,500 28% $29,120 $728 $1,625 $488 $65,000 4,300 Marshall County $776 $37,080 1.8 1,161 $81,600 $612 $2,040 $927 Mills County 21% $24,480 $17.83 $10.00 2.5 $520 $26,000 17% $20,250 $12.50 $11.55 1.7 1.1 $601 Mitchell County 715 $67,500 $506 $1,688 $650 29% $647 $58,600 $440 $1,465 $650 $26,000 1,171 $17,580 $12.50 $12.45 1.7 1.0 Monona County $788 Monroe County 808 $59,800 $449 $1,495 $670 $26,800 24% $17,940 $12.88 $15.15 1.8 0.9 $650 1.1 1.7 $10.90 $12.50 $17,100 32% $26,000 $1,425 $428 $57,000 1,471 Montgomery County $567 26% $769 $67,500 $506 $1,688 $817 $32,680 4,271 $20,250 $15.71 $14.79 2.2 1.1 Muscatine County 28% O'Brien County 1,705 $70,300 $527 $1,758 $650 $587 1.1 1.7 $11.29 $12.50 $21,090 $26,000 $650 $26,000 25% $20,280 $12.50 $12.63 1.7 1.0 $657 Osceola County 657 $67,600 $507 $1,690 1,619 Page County $479 $1,595 $650 $26,000 25% $19,140 $12.50 $9.99 1.7 1.3 $520 $63,800 $12.50 1,006 $1,570 $650 $26,000 26% $18,840 $471 $11.40 1.7 1.1 $593 Palo Alto County $62,800 2,100 $75,900 $569 $1,898 $675 $27,000 21% Plymouth County $12.98 $13.66 1.8 1.0 $710 $22,770 Pocahontas County $62,200 $467 $1,555 $650 $26,000 791 $18,660 $12.50 $15.31 1.7 0.8 $796 25% $815 $875 $23,880 $16.83 $15.68 2.3 Polk County 33% $35,000 1.1 $1,990 $597 $79,600 58,593 32% Pottawattamie County $81,600 $612 $2,040 $927 $37,080 11,702 $24,480 $17.83 $11.62 2.5 1.5 $604 1.0 $712 1.8 $13.70 $13.31 $21,060 29% Poweshiek County $692 $1,755 $527 $70,200 2,148 $27,680 $604 517 $58,600 $440 $1,465 $650 Ringgold County 26% $17,580 $12.50 $11.61 1.7 1.1 $26,000 $20,160 22% $26,000 $650 $1,680 $504 $67,200 947 Sac County 1.0 $12.65 $12.50 1.7 $658 $778 $31,120 32% $21,690 $14.96 $11.66 2.1 1.3 $606 Scott County 21,288 $72,300 $542 $1,808 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 91 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

98 IOWA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Shelby County $512 $1,708 $668 $26,720 20% $20,490 $12.85 $9.31 1.8 1.4 $484 1,019 $68,300 21% $26,040 2,459 $74,800 $561 $1,870 $651 Sioux County $22,440 $12.52 $11.62 1.7 1.1 $604 $533 47% $35,480 1.7 2.4 $10.26 $17.06 $23,940 Story County 17,211 $79,800 $599 $1,995 $887 Tama County $623 1.1 1.8 $11.98 $13.17 $20,040 23% $27,400 $685 $1,670 $501 $66,800 1,577 $26,000 $601 722 $57,000 $428 $1,425 $650 Taylor County 27% $17,100 $12.50 $11.55 1.7 1.1 $12.50 $18,240 29% $525 1.2 1.7 $10.10 $650 $1,520 $456 $60,800 1,572 Union County $26,000 Van Buren County $61,100 $458 $1,528 $650 $26,000 461 $18,330 $12.50 $9.68 1.7 1.3 $504 16% $28,920 27% $16,830 $13.90 $9.64 1.9 1.4 $501 Wapello County 3,941 $56,100 $421 $1,403 $723 $471 Warren County 4,236 $79,600 $597 $1,990 $875 $35,000 23% $23,880 $16.83 $9.05 2.3 1.9 27% $534 2,373 $73,800 $554 $1,845 $31,080 Washington County $22,140 $14.94 $10.27 2.1 1.5 $777 $10.30 $12.50 $18,450 21% $650 $1,538 1.2 $461 $61,500 530 Wayne County $536 1.7 $26,000 $650 $26,000 32% $17,820 $12.50 $13.04 1.7 1.0 $678 Webster County 4,828 $59,400 $446 $1,485 $12.50 1,082 $1,583 $650 $26,000 24% $18,990 $475 $10.57 1.7 1.2 $549 $63,300 Winnebago County $70,500 Winneshiek County $583 1.1 1.7 $11.21 $12.50 $21,150 23% $26,000 $650 $1,763 $529 1,851 Woodbury County $666 1.2 2.1 $12.80 $15.50 $19,530 33% $32,240 $806 $1,628 $488 $65,100 12,602 Worth County $64,600 $485 $1,615 $650 $26,000 633 $19,380 $12.50 $9.26 1.7 1.3 $482 20% $26,000 $18,750 $12.50 $10.34 1.7 1.2 $538 $650 $1,563 $469 $62,500 1,467 Wright County 27% FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 92 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

99 S TAT E S TAT E * RANKING RANKING 38 # KANSAS In Kansas , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.67 . In order to afford this level of rent and utilities — without paying more $815 PER HOUR than 30% of income on housing — a household must earn $2,715 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,584 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT KANSAS: STATE FACTS 86 67 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $13.41 Average Renter Wage 2-Bedroom Housing Wage $15.67 2.2 1.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 375,515 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 34% Two bedroom FMR $815 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $635 Rent affordable at Manhattan MSA $19.50 $1,752 area median income (AMI) Rent affordable with full-time job paying $697 Geary County $18.94 mean renter wage Rent affordable at 30% of AMI $526 Haskell County $17.79 Rent affordable with full-time job $377 paying minimum wage $16.71 Kansas City HMFA Rent affordable to SSI recipient $225 L awrence MSA $16.21 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 93

100 KANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Kansas $70,075 2.2 375,515 $815 $1,752 34% $32,584 $526 $13.41 $15.67 $697 1.2 $21,022 Combined Nonmetro Areas $745 $60,027 $18,008 $450 114,990 31% $1,501 $14.32 $11.51 2.0 1.2 $598 $29,790 Metropolitan Areas $817 1.1 2.3 $15.71 $16.71 $24,000 33% $34,760 $869 $2,000 $600 $80,000 Kansas City HMFA 106,810 $1,713 Kingman County HMFA $68,500 $514 $697 $27,880 22% $20,550 $13.40 $10.68 1.8 1.3 $555 652 $26,220 21,508 $656 $2,185 $843 $33,720 49% $87,400 $16.21 $9.12 2.2 1.8 $474 Lawrence MSA Manhattan MSA 1.7 17,320 $595 2.7 $11.43 $19.50 $21,660 50% $40,560 $1,014 $1,805 $542 $72,200 $19,290 $739 $482 $64,300 St. Joseph MSA $29,560 28% $1,608 $14.21 $13.72 2.0 1.0 $713 852 25% Sumner County HMFA $68,400 $513 $1,710 $712 $28,480 $20,520 $13.69 $9.05 1.9 1.5 $470 2,251 32% 2.1 $68,600 $515 $1,715 $786 $31,440 Topeka MSA $20,580 $15.12 $12.24 1.2 $637 30,048 $13.36 2.1 1.2 $1,735 $695 81,084 $32,280 35% $20,820 $15.52 $69,400 Wichita HMFA $521 $807 Counties $15,930 28% $27,880 $697 $1,328 $398 $13.40 1,481 Allen County 1.8 1.2 $599 $11.52 $53,100 $17,850 29% $27,880 $697 $1,488 $446 $59,500 927 Anderson County $569 1.2 1.8 $10.95 $13.40 $552 1.3 1,756 $59,100 $443 $1,478 $733 $29,320 29% $17,730 $14.10 $10.62 1.9 Atchison County $27,880 1.1 1.8 $12.47 $13.40 $19,800 29% $648 $697 $1,650 $495 $66,000 572 Barber County $27,880 32% $18,510 $13.40 $11.27 1.8 $1,543 $586 $463 $61,700 3,566 Barton County $697 1.2 $16,470 $13.40 $9.19 1.8 $1,373 $412 $27,880 $54,900 1,732 Bourbon County 1.5 $478 $697 31% $13.40 1,221 $1,388 $697 $27,880 30% $16,650 $416 $12.21 1.8 1.1 $635 $55,500 Brown County $69,400 Butler County $555 1.5 2.1 $10.67 $15.52 $20,820 27% $32,280 $807 $1,735 $521 6,617 Chase County $443 1.6 1.8 $8.52 $13.40 $18,690 22% $27,880 $697 $1,558 $467 $62,300 235 Chautauqua County $48,400 $363 $1,210 $768 $30,720 308 $14,520 $14.77 $10.65 2.0 1.4 $554 21% 1.0 $13.20 $13.40 $16,320 25% $27,880 $697 $686 $1,360 $408 $54,400 1,977 Cherokee County 1.8 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 94 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

101 KANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Cheyenne County $476 $1,588 $697 $27,880 21% $19,050 $13.40 $10.87 1.8 1.2 $565 269 $63,500 32% $28,480 0.8 1.9 $16.28 $13.69 $18,210 $847 $712 $1,518 $455 $60,700 286 Clark County 718 Clay County $1,650 $495 $66,000 $830 $33,200 21% $19,800 $15.96 $9.17 2.2 1.7 $477 $15,450 Cloud County $386 $1,288 $697 $27,880 28% $51,500 $13.40 $9.29 1.8 1.4 $483 1,082 $1,033 909 $71,800 $539 $1,795 $697 $27,880 25% $21,540 $13.40 $19.86 1.8 0.7 Coffey County $18,690 25% $13.66 1.8 1.0 $710 $697 $467 $62,300 191 Comanche County $27,880 $13.40 $1,558 $656 4,741 $57,400 $431 $1,435 $701 Cowley County 34% $17,220 $13.48 $12.61 1.9 1.1 $28,040 1.4 1.9 $9.72 $14.04 $17,460 39% $29,200 $730 $1,455 $437 $58,200 5,765 Crawford County $506 $27,880 1.1 353 $57,500 $431 $1,438 $697 Decatur County 25% $17,250 $13.40 $12.15 1.8 $632 $27,880 30% $18,810 $13.40 $9.32 1.8 1.4 $484 Dickinson County 2,340 $62,700 $470 $1,568 $697 28% $713 $64,300 $482 $1,608 $739 $29,560 852 $19,290 $14.21 $13.72 2.0 1.0 Doniphan County $474 Douglas County 21,508 $87,400 $656 $2,185 $843 $33,720 49% $26,220 $16.21 $9.12 2.2 1.8 $697 0.8 1.8 $15.79 $13.40 $18,030 23% $27,880 $1,503 $451 $60,100 288 Edwards County $821 18% $282 $51,000 $383 $1,275 $697 $27,880 229 $15,300 $13.40 $5.43 1.8 2.5 Elk County 36% Ellis County 4,219 $67,600 $507 $1,690 $710 $503 1.4 1.9 $9.67 $13.65 $20,280 $28,400 $697 $27,880 25% $19,380 $13.40 $8.75 1.8 1.5 $455 Ellsworth County 626 $64,600 $485 $1,615 4,862 Finney County $445 $1,483 $784 $31,360 38% $17,790 $15.08 $15.38 2.1 1.0 $800 $59,300 $14.67 4,325 $1,448 $763 $30,520 39% $17,370 $434 $12.49 2.0 1.2 $649 Ford County $57,900 2,657 $64,800 $486 $1,620 $807 $32,280 27% Franklin County $15.52 $9.74 2.1 1.6 $507 $19,440 Geary County $50,200 $377 $1,255 $985 $39,400 7,571 $15,060 $18.94 $13.51 2.6 1.4 $702 59% $516 $697 $17,280 $13.40 $9.92 1.8 Gove County 21% $27,880 1.4 $1,440 $432 $57,600 248 21% Graham County $59,000 $443 $1,475 $697 $27,880 258 $17,700 $13.40 $9.76 1.8 1.4 $507 1.0 $664 1.8 $12.77 $13.40 $19,950 22% Grant County $697 $1,663 $499 $66,500 581 $27,880 $733 540 $69,700 $523 $1,743 $697 Gray County 25% $20,910 $13.40 $14.11 1.8 1.0 $27,880 $18,480 28% $27,880 $697 $1,540 $462 $61,600 136 Greeley County 0.8 $16.82 $13.40 1.8 $875 $697 $27,880 25% $16,230 $13.40 $9.89 1.8 1.4 $514 Greenwood County 698 $54,100 $406 $1,353 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 95 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

102 KANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Hamilton County $392 $1,305 $745 $29,800 31% $15,660 $14.33 $15.85 2.0 0.9 $824 284 $52,200 23% $27,880 1.1 1.8 $11.82 $13.40 $17,910 $615 $697 $1,493 $448 $59,700 554 Harper County 4,096 Harvey County $1,735 $521 $69,400 $807 $32,280 30% $20,820 $15.52 $10.27 2.1 1.5 $534 $20,280 Haskell County $507 $1,690 $925 $37,000 27% $67,600 $17.79 $17.26 2.5 1.0 $898 361 $518 206 $76,100 $571 $1,903 $697 $27,880 25% $22,830 $13.40 $9.96 1.8 1.3 Hodgeman County $20,580 25% $7.90 2.1 1.9 $411 $786 $515 $68,600 1,306 Jackson County $31,440 $15.12 $1,715 $658 1,405 $68,600 $515 $1,715 $786 Jefferson County 19% $20,580 $15.12 $12.66 2.1 1.2 $31,440 1.4 1.8 $9.59 $13.40 $15,690 20% $27,880 $697 $1,308 $392 $52,300 276 Jewell County $499 $34,760 1.1 68,838 $80,000 $600 $2,000 $869 Johnson County 31% $24,000 $16.71 $15.72 2.3 $818 $27,880 22% $19,410 $13.40 $15.01 1.8 0.9 $781 Kearny County 295 $64,700 $485 $1,618 $697 22% $555 $68,500 $514 $1,713 $697 $27,880 652 $20,550 $13.40 $10.68 1.8 1.3 Kingman County $680 Kiowa County 332 $64,200 $482 $1,605 $697 $27,880 33% $19,260 $13.40 $13.09 1.8 1.0 $697 1.3 1.8 $10.10 $13.40 $16,320 31% $27,880 $1,360 $408 $54,400 2,561 Labette County $525 21% $696 $68,900 $517 $1,723 $709 $28,360 167 $20,670 $13.63 $13.38 1.9 1.0 Lane County 33% Leavenworth County 8,942 $80,000 $600 $2,000 $869 $684 1.3 2.3 $13.16 $16.71 $24,000 $34,760 $697 $27,880 17% $19,680 $13.40 $8.55 1.8 1.6 $445 Lincoln County 225 $65,600 $492 $1,640 905 Linn County $600 $2,000 $869 $34,760 21% $24,000 $16.71 $17.50 2.3 1.0 $910 $80,000 $13.40 308 $1,700 $697 $27,880 26% $20,400 $510 $11.35 1.8 1.2 $590 Logan County $68,000 5,420 $53,400 $401 $1,335 $697 $27,880 41% Lyon County $13.40 $9.68 1.8 1.4 $503 $16,020 McPherson County $73,100 $548 $1,828 $748 $29,920 3,133 $21,930 $14.38 $13.61 2.0 1.1 $708 26% $493 $697 $19,110 $13.40 $9.47 1.8 Marion County 20% $27,880 1.4 $1,593 $478 $63,700 941 24% Marshall County $63,200 $474 $1,580 $697 $27,880 1,032 $18,960 $13.40 $11.75 1.8 1.1 $611 1.1 $632 1.8 $12.15 $13.40 $18,870 28% Meade County $697 $1,573 $472 $62,900 468 $27,880 $440 2,836 $80,000 $600 $2,000 $869 Miami County 22% $24,000 $16.71 $8.46 2.3 2.0 $34,760 $20,610 27% $27,880 $697 $1,718 $515 $68,700 721 Mitchell County 1.4 $9.28 $13.40 1.8 $482 $700 $28,000 30% $15,810 $13.46 $9.66 1.9 1.4 $502 Montgomery County 4,123 $52,700 $395 $1,318 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 96 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

103 KANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Morris County $429 $1,430 $697 $27,880 22% $17,160 $13.40 $7.44 1.8 1.8 $387 506 $57,200 30% $27,880 1.4 1.8 $9.57 $13.40 $17,310 $497 $697 $1,443 $433 $57,700 350 Morton County 1,027 Nemaha County $1,783 $535 $71,300 $697 $27,880 25% $21,390 $13.40 $11.83 1.8 1.1 $615 $16,080 Neosho County $402 $1,340 $697 $27,880 29% $53,600 $13.40 $8.69 1.8 1.5 $452 1,841 $717 267 $63,400 $476 $1,585 $697 $27,880 20% $19,020 $13.40 $13.79 1.8 1.0 Ness County $19,650 26% $14.48 1.8 0.9 $753 $697 $491 $65,500 527 Norton County $27,880 $13.40 $1,638 $380 1,545 $68,600 $515 $1,715 $786 Osage County 24% $20,580 $15.12 $7.30 2.1 2.1 $31,440 1.2 1.8 $10.77 $13.40 $17,280 25% $27,880 $697 $1,440 $432 $57,600 424 Osborne County $560 $28,360 1.4 431 $69,800 $524 $1,745 $709 Ottawa County 18% $20,940 $13.63 $10.08 1.9 $524 $27,880 29% $19,470 $13.40 $13.33 1.8 1.0 $693 Pawnee County 757 $64,900 $487 $1,623 $697 24% $639 $59,200 $444 $1,480 $697 $27,880 553 $17,760 $13.40 $12.29 1.8 1.1 Phillips County $621 Pottawatomie County 1,875 $72,200 $542 $1,805 $1,014 $40,560 22% $21,660 $19.50 $11.94 2.7 1.6 $736 1.4 2.0 $10.06 $14.15 $19,800 32% $29,440 $1,650 $495 $66,000 1,207 Pratt County $523 25% $607 $61,300 $460 $1,533 $697 $27,880 295 $18,390 $13.40 $11.68 1.8 1.1 Rawlins County 33% Reno County 8,348 $60,600 $455 $1,515 $775 $608 1.3 2.1 $11.69 $14.90 $18,180 $31,000 $697 $27,880 22% $17,220 $13.40 $10.54 1.8 1.3 $548 Republic County 489 $57,400 $431 $1,435 1,044 Rice County $497 $1,658 $697 $27,880 26% $19,890 $13.40 $11.64 1.8 1.2 $605 $66,300 $19.50 15,445 $1,805 $1,014 $40,560 58% $21,660 $542 $11.23 2.7 1.7 $584 Riley County $72,200 511 $58,600 $440 $1,465 $697 $27,880 23% Rooks County $13.40 $9.91 1.8 1.4 $515 $17,580 Rush County $60,300 $452 $1,508 $697 $27,880 316 $18,090 $13.40 $9.62 1.8 1.4 $500 22% $492 $708 $17,460 $13.62 $9.46 1.9 Russell County 25% $28,320 1.4 $1,455 $437 $58,200 807 33% Saline County $62,700 $470 $1,568 $778 $31,120 7,460 $18,810 $14.96 $11.06 2.1 1.4 $575 1.0 $792 2.1 $15.23 $15.19 $17,910 27% Scott County $790 $1,493 $448 $59,700 575 $31,600 $712 70,371 $69,400 $521 $1,735 $807 Sedgwick County 36% $20,820 $15.52 $13.69 2.1 1.1 $32,280 $15,870 31% $30,400 $760 $1,323 $397 $52,900 2,304 Seward County 1.1 $13.74 $14.62 2.0 $715 $786 $31,440 36% $20,580 $15.12 $12.49 2.1 1.2 $649 Shawnee County 25,394 $68,600 $515 $1,715 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 97 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

104 KANSAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Sheridan County $494 $1,648 $697 $27,880 22% $19,770 $13.40 $14.40 1.8 0.9 $749 254 $65,900 37% $744 1.3 2.0 $10.71 $14.31 $15,960 $557 $29,760 Sherman County 1,039 $53,200 $399 $1,330 $27,880 1.5 1.8 $8.97 $13.40 $17,460 22% $697 $1,455 $437 $58,200 382 Smith County $466 15% $577 $63,200 $474 $1,580 $697 $27,880 270 $18,960 $13.40 $11.10 1.8 1.2 Stafford County $705 1.0 1.8 $13.56 $13.40 $17,190 22% $27,880 $697 $1,433 $430 $57,300 180 Stanton County $754 $631 1.2 2.0 $12.14 $14.50 26% $1,668 $500 $66,700 491 Stevens County $20,010 $30,160 $470 2,251 $68,400 $513 $1,710 $712 Sumner County 25% $20,520 $13.69 $9.05 1.9 1.5 $28,480 $27,880 27% $21,630 $13.40 $7.63 1.8 1.8 $397 Thomas County 862 $72,100 $541 $1,803 $697 $27,880 1.6 1.8 $8.20 $13.40 $20,400 21% $426 $697 $1,700 $510 $68,000 283 Trego County 2.1 $9.92 $15.12 $20,580 15% $31,440 $786 $1,715 $515 $68,600 398 Wabaunsee County 1.5 $516 $697 $27,880 25% $23,700 $13.40 $12.40 1.8 1.1 $645 Wallace County 144 $79,000 $593 $1,975 $13.40 500 $1,483 $697 $27,880 21% $17,790 $445 $9.45 1.8 1.4 $492 $59,300 Washington County $62,200 Wichita County $737 0.9 1.8 $14.18 $13.40 $18,660 25% $27,880 $697 $1,555 $467 210 Wilson County $531 1.3 1.8 $10.22 $13.40 $15,510 25% $27,880 $697 $1,293 $388 $51,700 961 Woodson County $52,900 $397 $1,323 $697 $27,880 301 $15,870 $13.40 $7.84 1.8 1.7 $408 20% $34,760 $24,000 $16.71 $16.66 2.3 1.0 $866 $869 $2,000 $600 $80,000 25,289 Wyandotte County 43% FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 98 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

105 S TAT E S TAT E * RANKING RANKING 48 # KENTUCKY In Kentucky , the Fair Market Rent (FMR) for a two-bedroom apartment is $14.40 . In order to afford this level of rent and utilities — without paying more $749 PER HOUR than 30% of income on housing — a household must earn $2,496 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $29,955 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT KENTUCKY: STATE FACTS 79 63 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $12.93 Average Renter Wage 2-Bedroom Housing Wage $14.40 2 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 570,314 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 33% Two bedroom FMR $749 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $590 Rent affordable at Cincinnati HMFA $16.25 $1,523 area median income (AMI) Rent affordable with full-time job paying $672 Clarksville MSA $16.12 mean renter wage Rent affordable at 30% of AMI $457 Louisville HMFA $15.79 Rent affordable with full-time job $377 paying minimum wage $15.77 Lexington-Fayette MSA Rent affordable to SSI recipient $225 S helby County HMFA $15.38 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 99

106 KENTUCKY HOUSING COSTS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Kentucky $457 $672 1.1 $12.93 $14.40 33% $18,277 $29,955 $749 $1,523 $60,923 2.0 570,314 Combined Nonmetro Areas 1.7 1.2 $12.48 $554 $649 $49,577 $25,954 $14,873 $372 210,207 $1,239 $10.66 29% Metropolitan Areas Allen County HMFA $11.44 1.8 $595 2,301 $12.81 $56,100 $16,830 1.1 $421 $1,403 $666 $26,640 30% Bowling Green HMFA 1.2 $648 20,553 $57,400 $431 $1,435 $777 $31,080 41% $17,220 $14.94 $12.46 2.1 Butler County HMFA $45,200 $13,560 26% $24,800 $620 $535 1.2 $11.92 $1,130 $339 1,357 1.6 $10.28 Cincinnati HMFA 2.2 $14.07 $16.25 $23,490 48,678 1.2 $732 $78,300 31% $33,800 $845 $1,958 $587 Clarksville MSA $838 $33,520 46% $16,620 $16.12 $14.52 2.2 1.1 $755 14,509 $55,400 $416 $1,385 Elizabethtown HMFA 1.1 $461 $1,538 $749 $29,960 36% $18,450 $14.40 $12.79 2.0 $61,500 16,623 $665 Evansville MSA $599 39% $30,760 $65,100 $488 $1,628 7,366 $19,530 1.3 2.0 $11.52 $14.79 $769 Grant County HMFA $15.02 $10.23 2.1 1.5 $532 2,541 $52,500 $394 $1,313 $781 $31,240 31% $15,750 Huntington-Ashland HMFA $1,373 $412 $54,900 $602 1.2 $696 $27,840 27% $16,470 $13.38 $11.57 1.8 9,205 Lexington-Fayette MSA $688 $13.22 82,648 $15.77 1.2 $70,100 $526 $1,753 $820 $32,800 42% $21,030 2.2 Louisville HMFA 2.2 $536 $1,788 $821 $32,840 1.0 $785 $71,500 35% $21,450 $15.79 $15.10 132,222 Meade County HMFA $1,513 $13.92 $18,150 28% $28,960 $724 2,961 $454 $60,500 $690 1.0 1.9 $13.28 Owensboro MSA $62,300 $616 1.2 1.9 $11.85 $13.71 14,048 $467 30% $28,520 $713 $1,558 $18,690 Shelby County HMFA $32,000 32% $22,560 $15.38 $10.32 2.1 1.5 $537 5,095 $75,200 $564 $1,880 $800 Counties 1,745 $361 $1,203 $620 $24,800 24% $48,100 $11.92 $8.56 1.6 1.4 $445 Adair County $14,430 2,301 $56,100 $421 $1,403 $666 $26,640 30% $16,830 $12.81 $11.44 1.8 1.1 $595 Allen County Anderson County 2,103 $521 $1,735 $741 $29,640 25% $20,820 $14.25 $10.58 2.0 1.3 $550 $69,400 $16,740 Ballard County $419 $1,395 $638 $25,520 19% $55,800 $12.27 $12.76 1.7 1.0 $663 605 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 100 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

107 KENTUCKY FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Barren County $375 $1,250 $646 $25,840 33% $15,000 $12.42 $9.95 1.7 1.2 $517 5,558 $50,000 27% $25,120 1.3 1.7 $9.31 $12.08 $12,150 $484 $628 $1,013 $304 $40,500 1,199 Bath County 3,785 Bell County $793 $238 $31,700 $620 $24,800 34% $9,510 $11.92 $8.28 1.6 1.4 $430 $23,490 Boone County $587 $1,958 $845 $33,800 28% $78,300 $16.25 $14.78 2.2 1.1 $768 12,769 $612 3,089 $70,100 $526 $1,753 $820 $32,800 38% $21,030 $15.77 $11.77 2.2 1.3 Bourbon County $16,470 30% $11.84 1.8 1.1 $616 $696 $412 $54,900 5,891 Boyd County $27,840 $13.38 $1,373 $626 3,883 $56,100 $421 $1,403 $691 Boyle County 36% $16,830 $13.29 $12.03 1.8 1.1 $27,640 1.5 2.2 $10.60 $16.25 $23,490 25% $33,800 $845 $1,958 $587 $78,300 844 Bracken County $551 $24,800 1.6 1,328 $34,500 $259 $863 $620 Breathitt County 25% $10,350 $11.92 $7.61 1.6 $396 $24,800 21% $17,220 $11.92 $8.81 1.6 1.4 $458 Breckinridge County 1,519 $57,400 $431 $1,435 $620 17% $463 $71,500 $536 $1,788 $821 $32,840 4,989 $21,450 $15.79 $8.90 2.2 1.8 Bullitt County $535 Butler County 1,357 $45,200 $339 $1,130 $620 $24,800 26% $13,560 $11.92 $10.28 1.6 1.2 $620 1.1 1.6 $10.65 $11.92 $16,410 30% $24,800 $1,368 $410 $54,700 1,597 Caldwell County $554 37% $355 $56,700 $425 $1,418 $702 $28,080 5,606 $17,010 $13.50 $6.83 1.9 2.0 Calloway County 32% Campbell County 11,424 $78,300 $587 $1,958 $845 $568 1.5 2.2 $10.93 $16.25 $23,490 $33,800 $655 $26,200 21% $15,750 $12.60 $15.41 1.7 0.8 $801 Carlisle County 443 $52,500 $394 $1,313 $50,600 1,575 $1,265 $689 $27,560 39% $15,180 $13.25 $16.29 1.8 0.8 $847 Carroll County $380 $9.52 $47,900 $622 $24,880 23% $14,370 $11.96 $1,198 1.6 1.3 $495 2,434 $359 Carter County $45,900 $344 $1,148 $620 $24,800 21% $13,770 Casey County $12.09 1.6 1.0 $629 1,342 $11.92 13,389 $416 $1,385 $838 $33,520 53% $55,400 $16.12 $15.11 2.2 1.1 $786 Christian County $16,620 $601 $820 $21,030 $15.77 $11.56 Clark County 5,122 36% $32,800 2.2 1.4 $1,753 $526 $70,100 28% Clay County $28,800 $216 $720 $620 $24,800 2,119 $8,640 $11.92 $10.57 1.6 1.1 $550 1.1 $558 1.6 $10.74 $11.92 $10,920 28% Clinton County $620 $910 $273 $36,400 1,082 $24,800 $595 794 $54,400 $408 $1,360 $620 Crittenden County 21% $16,320 $11.92 $11.45 1.6 1.0 $24,800 $11,490 28% $24,800 $620 $958 $287 $38,300 776 Cumberland County 1.2 $9.73 $11.92 1.6 $506 $713 $28,520 32% $18,690 $13.71 $11.43 1.9 1.2 $594 Daviess County 12,535 $62,300 $467 $1,558 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 101

108 KENTUCKY FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Edmonson County $431 $1,435 $777 $31,080 20% $17,220 $14.94 $8.92 2.1 1.7 $464 956 $57,400 23% $24,800 2.0 1.6 $5.87 $11.92 $11,010 $305 $620 $918 $275 $36,700 594 Elliott County 1,708 Estill County $1,065 $320 $42,600 $620 $24,800 30% $12,780 $11.92 $9.49 1.6 1.3 $494 $21,030 Fayette County $526 $1,753 $820 $32,800 46% $70,100 $15.77 $13.39 2.2 1.2 $696 58,709 $450 1,599 $47,900 $359 $1,198 $620 $24,800 28% $14,370 $11.92 $8.66 1.6 1.4 Fleming County $12,090 30% $9.90 1.6 1.2 $515 $620 $302 $40,300 4,571 Floyd County $24,800 $11.92 $1,008 $657 7,855 $65,200 $489 $1,630 $736 Franklin County 37% $19,560 $14.15 $12.64 2.0 1.1 $29,440 1.1 1.6 $10.47 $11.92 $12,690 40% $24,800 $620 $1,058 $317 $42,300 1,048 Fulton County $544 $33,800 1.0 911 $78,300 $587 $1,958 $845 Gallatin County 31% $23,490 $16.25 $16.06 2.2 $835 $26,280 23% $16,710 $12.63 $8.37 1.7 1.5 $435 Garrard County 1,548 $55,700 $418 $1,393 $657 31% $532 $52,500 $394 $1,313 $781 $31,240 2,541 $15,750 $15.02 $10.23 2.1 1.5 Grant County $457 Graves County 3,822 $54,800 $411 $1,370 $620 $24,800 27% $16,440 $11.92 $8.78 1.6 1.4 $620 1.1 1.6 $10.39 $11.92 $14,010 28% $24,800 $1,168 $350 $46,700 2,686 Grayson County $540 21% $359 $49,200 $369 $1,230 $620 $24,800 954 $14,760 $11.92 $6.90 1.6 1.7 Green County 23% Greenup County 3,314 $54,900 $412 $1,373 $696 $557 1.2 1.8 $10.71 $13.38 $16,470 $27,840 $713 $28,520 23% $18,690 $13.71 $17.03 1.9 0.8 $885 Hancock County 748 $62,300 $467 $1,558 $61,500 15,054 $1,538 $749 $29,960 37% $18,450 $14.40 $13.07 2.0 1.1 $679 Hardin County $461 $10.24 $36,500 $620 $24,800 31% $10,950 $11.92 $913 1.6 1.2 $532 3,521 $274 Harlan County $51,100 $383 $1,278 $620 $24,800 31% $15,330 Harrison County $10.43 1.6 1.1 $542 2,193 $11.92 2,042 $335 $1,118 $620 $24,800 28% $44,700 $11.92 $9.62 1.6 1.2 $500 Hart County $13,410 $599 $769 $19,530 $14.79 $11.52 Henderson County 7,366 39% $30,760 2.0 1.3 $1,628 $488 $65,100 32% Henry County $71,500 $536 $1,788 $821 $32,840 1,904 $21,450 $15.79 $10.01 2.2 1.6 $520 1.1 $551 1.6 $10.59 $11.92 $15,390 20% Hickman County $620 $1,283 $385 $51,300 368 $24,800 $652 5,204 $58,500 $439 $1,463 $629 Hopkins County 28% $17,550 $12.10 $12.54 1.7 1.0 $25,160 $10,050 27% $24,800 $620 $838 $251 $33,500 1,494 Jackson County 1.2 $10.33 $11.92 1.6 $537 $821 $32,840 39% $21,450 $15.79 $15.66 2.2 1.0 $814 Jefferson County 120,374 $71,500 $536 $1,788 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 102

109 KENTUCKY FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Jessamine County $526 $1,753 $820 $32,800 37% $21,030 $15.77 $9.72 2.2 1.6 $506 6,866 $70,100 26% $24,800 1.3 1.6 $8.88 $11.92 $13,830 $462 $620 $1,153 $346 $46,100 2,271 Johnson County 21,591 Kenton County $1,958 $587 $78,300 $845 $33,800 34% $23,490 $16.25 $14.45 2.2 1.1 $751 $12,840 Knott County $321 $1,070 $620 $24,800 20% $42,800 $11.92 $9.21 1.6 1.3 $479 1,235 $463 4,269 $35,500 $266 $888 $620 $24,800 35% $10,650 $11.92 $8.89 1.6 1.3 Knox County $18,450 29% $8.10 2.0 1.8 $421 $749 $461 $61,500 1,569 Larue County $29,960 $14.40 $1,538 $550 7,099 $45,600 $342 $1,140 $620 Laurel County 31% $13,680 $11.92 $10.58 1.6 1.1 $24,800 1.6 1.6 $7.38 $11.92 $14,070 23% $24,800 $620 $1,173 $352 $46,900 1,400 Lawrence County $384 $24,800 1.5 719 $34,600 $260 $865 $620 Lee County 25% $10,380 $11.92 $8.20 1.6 $426 $24,800 21% $12,180 $11.92 $9.44 1.6 1.3 $491 Leslie County 869 $40,600 $305 $1,015 $620 26% $502 $43,800 $329 $1,095 $620 $24,800 2,625 $13,140 $11.92 $9.65 1.6 1.2 Letcher County $432 Lewis County 1,397 $40,200 $302 $1,005 $620 $24,800 26% $12,060 $11.92 $8.30 1.6 1.4 $620 1.3 1.6 $8.89 $11.92 $13,710 26% $24,800 $1,143 $343 $45,700 2,559 Lincoln County $462 25% $641 $53,400 $401 $1,335 $620 $24,800 988 $16,020 $11.92 $12.33 1.6 1.0 Livingston County 32% Logan County 3,392 $50,500 $379 $1,263 $630 $623 1.0 1.7 $11.98 $12.12 $15,150 $25,200 $620 $24,800 19% $18,150 $11.92 $6.04 1.6 2.0 $314 Lyon County 629 $60,500 $454 $1,513 $69,800 9,346 $1,745 $684 $27,360 33% $20,940 $13.15 $11.96 1.8 1.1 $622 McCracken County $524 $8.55 $26,200 $620 $24,800 30% $7,860 $11.92 $655 1.6 1.4 $444 1,869 $197 McCreary County $62,300 $467 $1,558 $713 $28,520 20% $18,690 McLean County $10.35 1.9 1.3 $538 765 $13.71 13,146 $494 $1,648 $698 $27,920 41% $65,900 $13.42 $10.71 1.9 1.3 $557 Madison County $19,770 $383 $620 $11,400 $11.92 $7.37 Magoffin County 1,448 29% $24,800 1.6 1.6 $950 $285 $38,000 27% Marion County $50,000 $375 $1,250 $634 $25,360 2,009 $15,000 $12.19 $11.38 1.7 1.1 $592 1.0 $722 1.9 $13.89 $13.69 $17,880 22% Marshall County $712 $1,490 $447 $59,600 2,818 $28,480 $485 1,221 $35,300 $265 $883 $620 Martin County 28% $10,590 $11.92 $9.33 1.6 1.3 $24,800 $14,940 34% $25,720 $643 $1,245 $374 $49,800 2,331 Mason County 1.1 $11.72 $12.37 1.7 $609 $724 $28,960 28% $18,150 $13.92 $13.28 1.9 1.0 $690 Meade County 2,961 $60,500 $454 $1,513 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 103

110 KENTUCKY FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Menifee County $300 $1,000 $620 $24,800 20% $12,000 $11.92 $7.86 1.6 1.5 $409 509 $40,000 29% $25,680 0.9 1.7 $13.14 $12.35 $17,280 $683 $642 $1,440 $432 $57,600 2,593 Mercer County 885 Metcalfe County $1,115 $335 $44,600 $620 $24,800 23% $13,380 $11.92 $9.08 1.6 1.3 $472 $12,450 Monroe County $311 $1,038 $620 $24,800 27% $41,500 $11.92 $8.76 1.6 1.4 $455 1,188 $606 3,649 $49,200 $369 $1,230 $692 $27,680 36% $14,760 $13.31 $11.65 1.8 1.1 Montgomery County $12,120 27% $10.30 1.6 1.2 $536 $620 $303 $40,400 1,348 Morgan County $24,800 $11.92 $1,010 $575 2,363 $51,100 $383 $1,278 $620 Muhlenberg County 21% $15,330 $11.92 $11.06 1.6 1.1 $24,800 1.3 1.9 $10.58 $13.48 $18,630 24% $28,040 $701 $1,553 $466 $62,100 4,076 Nelson County $550 $24,800 1.5 735 $49,500 $371 $1,238 $620 Nicholas County 27% $14,850 $11.92 $8.08 1.6 $420 $24,800 23% $14,250 $11.92 $8.46 1.6 1.4 $440 Ohio County 2,015 $47,500 $356 $1,188 $620 15% $448 $71,500 $536 $1,788 $821 $32,840 3,073 $21,450 $15.79 $8.62 2.2 1.8 Oldham County $557 Owen County 1,027 $53,500 $401 $1,338 $631 $25,240 26% $16,050 $12.13 $10.71 1.7 1.1 $620 1.7 1.6 $6.99 $11.92 $13,320 28% $24,800 $1,110 $333 $44,400 465 Owsley County $363 22% $730 $78,300 $587 $1,958 $845 $33,800 1,139 $23,490 $16.25 $14.03 2.2 1.2 Pendleton County 27% Perry County 2,964 $45,000 $338 $1,125 $620 $616 1.0 1.6 $11.84 $11.92 $13,500 $24,800 $674 $26,960 27% $13,080 $12.96 $12.37 1.8 1.0 $643 Pike County 7,046 $43,600 $327 $1,090 $15,510 Powell County $388 $1,293 $620 $24,800 31% $51,700 $11.92 $7.34 1.6 1.6 $382 1,484 Pulaski County 7,774 $47,500 $356 $1,188 $627 $25,080 30% $14,250 $12.06 $9.21 1.7 1.3 $479 $26,880 Robertson County † $380 $1,268 $672 $50,700 22% $15,210 $12.92 1.8 208 Rockcastle County $497 $43,900 $329 $1,098 $620 $24,800 24% $13,170 $11.92 $9.57 1.6 1.2 1,539 $16,020 1.9 1.7 $428 Rowan County 3,259 $53,400 $401 $1,335 $714 $28,560 38% $13.73 $8.23 $11.92 1,814 $1,020 $620 $24,800 26% $12,240 $306 $8.61 1.6 1.4 $448 $40,800 Russell County $70,100 Scott County $819 1.0 2.2 $15.75 $15.77 $21,030 31% $32,800 $820 $1,753 $526 5,804 $32,000 $537 1.5 2.1 $10.32 $15.38 $22,560 32% $800 $1,880 $564 $75,200 5,095 Shelby County Simpson County $52,200 $392 $1,305 $699 $27,960 2,586 $15,660 $13.44 $11.12 1.9 1.2 $578 37% 1.8 $447 $1,788 $32,840 $536 16% $71,500 1,017 Spencer County $821 $15.79 $8.60 2.2 $21,450 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 104 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

111 KENTUCKY HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Taylor County $331 $1,103 $626 $25,040 36% $13,230 $12.04 $8.65 1.7 1.4 $450 3,542 $44,100 $15,840 Todd County $396 $1,320 $639 $25,560 27% $52,800 $12.29 $9.35 1.7 1.3 $486 1,230 19% 1,120 $55,400 $416 $1,385 $838 $33,520 $449 $16,620 $16.12 $8.64 2.2 1.9 Trigg County $32,840 $718 2.2 $13.82 $15.79 $21,450 24% 1.1 $821 $1,788 $536 $71,500 865 Trimble County 0.9 1.6 $12.66 $11.92 $15,360 29% $24,800 $1,280 $384 $51,200 1,599 Union County $620 $658 2.1 1.2 $651 $31,080 $17,220 $14.94 $777 43% $1,435 $431 $57,400 19,597 Warren County $12.51 $496 $400 Washington County 1,069 $53,300 $1,333 $645 $25,800 24% $15,990 $12.40 $9.53 1.7 1.3 $24,800 1.6 2,314 $38,300 $287 $958 $620 Wayne County 30% $11,490 $11.92 $7.47 1.6 $388 $620 $24,800 30% $15,840 $11.92 $18.21 1.6 0.7 $947 Webster County 1,531 $52,800 $396 $1,320 $11,820 4,011 $296 $985 $639 $25,560 32% $39,400 $12.29 $12.37 1.7 1.0 $643 Whitley County Wolfe County $311 2.0 1.6 $5.98 $11.92 $9,720 1,044 $24,800 $620 $810 $243 $32,400 36% $645 3,058 $70,100 $526 $1,753 $820 Woodford County 31% $21,030 $15.77 $12.41 2.2 1.3 $32,800 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 105 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

112 S TAT E S TAT E * RANKING RANKING 29 # LOUISIANA In Louisiana , the Fair Market Rent (FMR) for a two-bedroom apartment is $16.63 . In order to afford this level of rent and utilities — without paying more $865 PER HOUR than 30% of income on housing — a household must earn $2,883 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $34,597 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT LOUISIANA: STATE FACTS 92 76 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $14.07 Average Renter Wage 2-Bedroom Housing Wage $16.63 2.3 1.9 Number of Full-Time Jobs At Number of Full-Time Jobs At 598,613 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 35% Two bedroom FMR $865 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $717 Rent affordable at Vernon Parish $19.69 $1,563 area median income (AMI) Rent affordable with full-time job paying $732 New Orleans-Metairie HMFA $19.15 mean renter wage Rent affordable at 30% of AMI $469 Baton Rouge HMFA $17.42 Rent affordable with full-time job $377 paying minimum wage $16.63 Lafayette HMFA Rent affordable to SSI recipient $225 H ammond MSA $15.98 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 106

113 LOUISIANA HOUSING COSTS RENTERS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Louisiana $16.63 1.2 $469 $732 35% $34,597 $865 $1,563 $18,761 2.3 $14.07 $62,538 598,613 Combined Nonmetro Areas $10.62 2.0 1.3 $14.19 $29,512 $552 $738 $48,829 $14,649 $366 93,010 $1,221 33% Metropolitan Areas Acadia Parish HMFA 29% $13.08 $490 $371 $1,235 $680 $27,200 $49,400 $14,820 $9.42 1.8 1.4 6,547 Alexandria MSA $631 2.0 20,443 $14.42 $16,620 $12.14 $55,400 $416 $1,385 $750 $30,000 37% 1.2 Baton Rouge HMFA 94,419 $74,800 $561 $1,870 $906 $36,240 33% $22,440 $17.42 $14.87 2.4 1.2 $773 Hammond MSA $63,300 $15.98 $8.60 2.2 1.9 $447 14,840 $18,990 $475 $1,583 $831 32% $33,240 Houma-Thibodaux MSA $462 $1,540 $824 $911 19,852 $32,960 26% $18,480 $15.85 $17.52 $61,600 0.9 2.2 Iberia Parish HMFA $57,600 2.0 7,916 $719 1.1 $432 $13.82 $14.60 $17,280 30% $30,360 $759 $1,440 Iberville Parish HMFA $17,970 $13.62 $19.83 1.9 0.7 $1,031 2,703 $59,900 $449 $1,498 $708 $28,320 24% Lafayette HMFA $21,120 35,285 $707 2.3 $13.59 $16.63 $70,400 33% $34,600 $865 $1,760 $528 1.2 Lake Charles MSA $15.21 $15.43 2.1 1.0 $802 24,740 $60,000 $450 $1,500 $791 $31,640 31% $18,000 Monroe MSA $10.67 $1,305 $728 $29,120 38% $15,660 $14.00 $392 1.9 1.3 $555 24,668 $52,200 New Orleans-Metairie HMFA $492 $996 39% 2.6 1.2 $65,600 $39,840 $1,640 $19,680 $19.15 183,887 $813 $15.64 Shreveport-Bossier City HMFA $631 $18,810 38% $32,800 $820 $1,568 $470 $62,700 58,426 $15.77 2.2 $12.13 1.3 St. James Parish HMFA $680 $985 0.7 $64,500 $484 $1,613 1.8 $27,200 23% $19,350 $13.08 $18.94 1,823 Vermilion Parish HMFA $18,090 5,371 1.8 1.2 $11.37 $13.08 $591 $60,300 $452 $1,508 25% $27,200 $680 Webster Parish HMFA 30% $636 1.1 1.8 $12.24 $13.08 $13,980 4,683 $27,200 $680 $1,165 $350 $46,600 Counties 6,547 $49,400 $371 $1,235 $680 $27,200 Acadia Parish 29% $14,820 $13.08 $9.42 1.8 1.4 $490 26% 2,066 $54,500 $409 $1,363 $680 $27,200 Allen Parish $16,350 $8.81 1.8 1.5 $458 $13.08 7,897 Ascension Parish $786 1.2 2.4 $15.12 $17.42 $22,440 19% $36,240 $906 $1,870 $561 $74,800 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 107

114 LOUISIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Assumption Parish $472 $1,573 $706 $28,240 20% $18,870 $13.58 $10.06 1.9 1.4 $523 1,740 $62,900 31% $27,960 1.6 1.9 $8.25 $13.44 $13,380 $429 $699 $1,115 $335 $44,600 4,621 Avoyelles Parish 3,148 Beauregard Parish $1,563 $469 $62,500 $680 $27,200 24% $18,750 $13.08 $10.94 1.8 1.2 $569 $13,320 Bienville Parish $333 $1,110 $680 $27,200 29% $44,400 $13.08 $8.45 1.8 1.5 $440 1,636 $630 16,913 $62,700 $470 $1,568 $820 $32,800 36% $18,810 $15.77 $12.11 2.2 1.3 Bossier Parish $18,810 40% $12.23 2.2 1.3 $636 $820 $470 $62,700 38,726 Caddo Parish $32,800 $15.77 $1,568 $749 24,472 $60,000 $450 $1,500 $791 Calcasieu Parish 32% $18,000 $15.21 $14.40 2.1 1.1 $31,640 1.7 1.8 $7.87 $13.08 $14,970 24% $27,200 $680 $1,248 $374 $49,900 857 Caldwell Parish $409 $31,640 0.6 268 $60,000 $450 $1,500 $791 Cameron Parish 10% $18,000 $15.21 $23.47 2.1 $1,220 $27,200 26% $16,020 $13.08 $8.18 1.8 1.6 $426 Catahoula Parish 954 $53,400 $401 $1,335 $680 34% $487 $43,900 $329 $1,098 $680 $27,200 1,956 $13,170 $13.08 $9.37 1.8 1.4 Claiborne Parish $555 Concordia Parish 2,968 $44,300 $332 $1,108 $680 $27,200 39% $13,290 $13.08 $10.68 1.8 1.2 $820 1.5 2.2 $10.32 $15.77 $18,810 27% $32,800 $1,568 $470 $62,700 2,787 De Soto Parish $537 41% $794 $74,800 $561 $1,870 $906 $36,240 69,177 $22,440 $17.42 $15.27 2.4 1.1 East Baton Rouge Parish 58% East Carroll Parish 1,477 $29,600 $222 $740 $680 $485 1.4 1.8 $9.32 $13.08 $8,880 $27,200 $906 $36,240 19% $22,440 $17.42 $10.35 2.4 1.7 $538 East Feliciana Parish 1,265 $74,800 $561 $1,870 $42,000 3,943 $1,050 $680 $27,200 33% $12,600 $13.08 $9.91 1.8 1.3 $515 Evangeline Parish $315 $6.58 $45,600 $680 $27,200 31% $13,680 $13.08 $1,140 1.8 2.0 $342 2,350 $342 Franklin Parish $55,400 $416 $1,385 $750 $30,000 28% $16,620 Grant Parish $12.18 2.0 1.2 $633 2,009 $14.42 7,916 $432 $1,440 $759 $30,360 30% $57,600 $14.60 $13.82 2.0 1.1 $719 Iberia Parish $17,280 $1,031 $708 $17,970 $13.62 $19.83 Iberville Parish 2,703 24% $28,320 1.9 0.7 $1,498 $449 $59,900 31% Jackson Parish $47,800 $359 $1,195 $680 $27,200 1,852 $14,340 $13.08 $8.44 1.8 1.5 $439 1.3 $790 2.6 $15.19 $19.15 $19,680 39% Jefferson Parish $996 $1,640 $492 $65,600 65,264 $39,840 $512 3,338 $54,000 $405 $1,350 $680 Jefferson Davis Parish 29% $16,200 $13.08 $9.85 1.8 1.3 $27,200 $21,120 35% $34,600 $865 $1,760 $528 $70,400 31,296 Lafayette Parish 1.2 $13.74 $16.63 2.3 $714 $824 $32,960 25% $18,480 $15.85 $14.73 2.2 1.1 $766 Lafourche Parish 8,912 $61,600 $462 $1,540 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 108

115 LOUISIANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage La Salle Parish $396 $1,320 $680 $27,200 24% $15,840 $13.08 $10.46 1.8 1.2 $544 1,276 $52,800 46% $31,320 1.6 2.1 $9.25 $15.06 $16,770 $481 $783 $1,398 $419 $55,900 7,872 Lincoln Parish 9,804 Livingston Parish $1,870 $561 $74,800 $906 $36,240 20% $22,440 $17.42 $12.10 2.4 1.4 $629 $10,050 Madison Parish $251 $838 $680 $27,200 46% $33,500 $13.08 $7.50 1.8 1.7 $390 1,896 $476 3,602 $39,200 $294 $980 $680 $27,200 35% $11,760 $13.08 $9.14 1.8 1.4 Morehouse Parish $14,040 45% $8.04 2.0 1.8 $418 $767 $351 $46,800 6,425 Natchitoches Parish $30,680 $14.75 $1,170 $837 83,055 $65,600 $492 $1,640 $996 Orleans Parish 54% $19,680 $19.15 $16.09 2.6 1.2 $39,840 1.3 1.9 $10.99 $14.00 $15,660 40% $29,120 $728 $1,305 $392 $52,200 23,000 Ouachita Parish $572 $39,840 0.7 2,592 $65,600 $492 $1,640 $996 Plaquemines Parish 30% $19,680 $19.15 $29.43 2.6 $1,530 $36,240 24% $22,440 $17.42 $9.60 2.4 1.8 $499 Pointe Coupee Parish 2,113 $74,800 $561 $1,870 $906 38% $631 $55,400 $416 $1,385 $750 $30,000 18,434 $16,620 $14.42 $12.14 2.0 1.2 Rapides Parish $490 Red River Parish 914 $49,900 $374 $1,248 $760 $30,400 26% $14,970 $14.62 $9.42 2.0 1.6 $680 1.4 1.8 $9.07 $13.08 $14,430 34% $27,200 $1,203 $361 $48,100 2,573 Richland Parish $472 23% $515 $53,600 $402 $1,340 $680 $27,200 2,056 $16,080 $13.08 $9.90 1.8 1.3 Sabine Parish 33% St. Bernard Parish 4,853 $65,600 $492 $1,640 $996 $774 1.3 2.6 $14.88 $19.15 $19,680 $39,840 $996 $39,840 21% $19,680 $19.15 $18.12 2.6 1.1 $942 St. Charles Parish 3,833 $65,600 $492 $1,640 St. Helena Parish 724 $561 $1,870 $906 $36,240 18% $22,440 $17.42 $9.81 2.4 1.8 $510 $74,800 $19,350 St. James Parish $484 $1,613 $680 $27,200 23% $64,500 $13.08 $18.94 1.8 0.7 $985 1,823 St. John the Baptist Parish 3,725 $65,600 $492 $1,640 $996 $39,840 24% $19,680 $19.15 $18.55 2.6 1.0 $965 30% St. Landry Parish $44,000 $330 $1,100 $704 $28,160 9,289 $13,200 $13.54 $9.14 1.9 1.5 $475 $618 $865 $21,120 $16.63 $11.88 2.3 1.4 St. Martin Parish 3,989 $70,400 $528 $1,760 $34,600 21% $15,480 7,073 $387 $1,290 $786 $31,440 35% $51,600 $15.12 $18.37 2.1 0.8 $955 St. Mary Parish St. Tammany Parish 20,565 $65,600 $492 $1,640 $996 $39,840 23% $19,680 $19.15 $12.51 2.6 $650 1.5 $447 Tangipahoa Parish $63,300 $475 $831 $33,240 32% $18,990 $15.98 $8.60 2.2 1.9 14,840 $1,583 Tensas Parish † $35,400 $266 $885 $680 768 40% $10,620 $13.08 1.8 $27,200 0.8 $998 27% $15.85 $32,960 $824 $1,540 $19.20 $462 $61,600 10,940 Terrebonne Parish 2.2 $18,480 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 109 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

116 LOUISIANA RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% 2 BR Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Union Parish $392 $1,305 $728 $29,120 20% $15,660 $14.00 $5.73 1.9 2.4 $298 1,668 $52,200 $18,090 Vermilion Parish $452 $1,508 $680 $27,200 25% $60,300 $13.08 $11.37 1.8 1.2 $591 5,371 Vernon Parish $55,500 $416 $1,388 $1,024 $40,960 46% $16,650 $19.69 $14.80 2.7 1.3 $770 8,222 1.3 $519 1.8 $9.98 $13.08 $13,290 29% $27,200 $680 $1,108 $332 $44,300 5,076 Washington Parish $13,980 4,683 $350 $1,165 $680 $27,200 30% $46,600 $13.08 $12.24 1.8 1.1 $636 Webster Parish $906 2.4 1.2 $733 $1,870 $561 $74,800 2,493 West Baton Rouge Parish $36,240 $22,440 $17.42 27% $14.09 $478 1.8 $9.19 $13.08 $14,820 28% 1.4 $680 $1,235 $371 $49,400 1,159 West Carroll Parish $27,200 $906 $36,240 24% $22,440 $17.42 $15.96 2.4 1.1 $830 West Feliciana Parish 946 $74,800 $561 $1,870 35% 1,903 1.2 1.8 $11.34 $13.08 $12,930 $590 $27,200 $680 $1,078 $323 $43,100 Winn Parish † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 110 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

117 S TAT E S TAT E * RANKING RANKING 23 # MAINE In Maine , the Fair Market Rent (FMR) for a two-bedroom apartment is $18.73 . In order to afford this level of rent and utilities — without paying more $974 PER HOUR than 30% of income on housing — a household must earn $3,247 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $38,966 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MAINE: STATE FACTS 75 60 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $10.00 (at FMR) Rental Home (at FMR) Rental Home $11.44 Average Renter Wage 2-Bedroom Housing Wage $18.73 1.9 1.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 153,731 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 28% Two bedroom FMR $974 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $779 Rent affordable at Portland HMFA $25.92 $1,737 area median income (AMI) Rent affordable with full-time job paying $595 York-Kittery-South Berwick HMFA $24.15 mean renter wage Rent affordable at 30% of AMI $521 Cumberland County (part) HMFA $18.90 Rent affordable with full-time job $520 paying minimum wage $18.73 York County (part) HMFA Rent affordable to SSI recipient $228 B angor HMFA $18.04 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 111

118 MAINE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Maine $69,475 1.9 153,731 $974 $1,737 28% $38,966 $521 $11.44 $18.73 $595 1.6 $20,842 Combined Nonmetro Areas $783 $59,376 $17,813 $445 57,636 25% $1,484 $15.05 $9.64 1.5 1.6 $501 $31,309 Metropolitan Areas Bangor HMFA $569 1.6 1.8 $10.94 $18.04 $21,810 39% $37,520 $938 $1,818 $545 $72,700 14,483 Cumberland County (part) HMFA $13.52 $1,783 $983 $39,320 $71,300 $535 23% $21,390 $18.90 1.9 1.4 $703 4,543 Lewiston-Auburn MSA $847 1.5 $63,900 $479 16,305 $576 $1,598 1.6 $11.07 $16.29 $19,170 36% $33,880 Penobscot County (part) HMFA 1.5 $402 $16,080 $15.87 $10.94 1.6 $33,000 $569 4,931 $1,340 $825 $53,600 20% Portland HMFA $90,100 33% 35,867 $696 1.9 2.6 $13.39 $25.92 $27,030 $53,920 $1,348 $2,253 $676 Sagadahoc County HMFA $1,770 $906 $36,240 24% $21,240 $17.42 $70,800 1.7 1.3 $674 3,693 $531 $12.97 York County (part) HMFA 1.7 $72,200 $542 $1,805 $974 $38,960 27% $21,660 $18.73 12,128 $11.33 $589 1.9 York-Kittery-South Berwick HMFA 23% 4,145 $589 2.1 2.4 $11.33 $24.15 $27,420 $2,285 $50,240 $91,400 $686 $1,256 Counties 1.5 8,330 $422 $1,405 $697 $27,880 Aroostook County $56,200 1.3 $8.68 $13.40 $16,860 28% $451 $697 $1,380 $414 $55,200 2,352 Franklin County $420 1.7 1.3 $8.08 $13.40 $16,560 20% $27,880 $19,290 Hancock County $482 $1,608 $854 $34,160 26% $64,300 $16.42 $9.42 1.6 1.7 $490 6,181 Kennebec County 15,177 $66,300 $497 $1,658 $784 $31,360 30% $19,890 $15.08 $10.16 1.5 1.5 $528 $886 $480 Knox County 4,025 $35,440 24% $19,200 $17.04 $10.81 1.7 1.6 $562 $1,600 $64,000 $492 $65,600 3,322 Lincoln County 22% $35,320 $19,680 $16.98 $9.61 1.7 1.8 $500 $883 $1,640 $14.67 4,125 $1,343 $763 $30,520 20% $16,110 $403 $8.02 1.5 1.8 $417 $53,700 Oxford County $49,700 Piscataquis County $459 1.5 1.3 $8.83 $13.40 $14,910 26% $27,880 $697 $1,243 $373 1,946 Somerset County $536 1.5 1.5 $10.30 $15.02 $15,990 24% $31,240 $781 $1,333 $400 $53,300 5,025 Waldo County $57,600 $432 $1,440 $790 $31,600 3,781 $17,280 $15.19 $11.07 1.5 1.4 $576 22% 1.5 $9.68 $14.69 $14,700 24% $30,560 $764 $503 $1,225 $368 $49,000 3,372 Washington County 1.5 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 112 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

119 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 | 113 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

120 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 | 114 OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION

121 S TAT E S TAT E * RANKING RANKING # MARYLAND 5 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Maryland $29.04 . In order to afford this level of rent and utilities — without paying more $1,510 PER HOUR monthly or $5,034 than 30% of income on housing — a household must earn $60,406 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MARYLAND: STATE FACTS 115 96 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $10.10 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $17.51 2-Bedroom Housing Wage $29.04 2.4 2.9 Number of Full-Time Jobs At Number of Full-Time Jobs At 729,709 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 34% Two bedroom FMR $1,510 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,256 Rent affordable at $34.48 Washington-Arlington-Alexandria HMFA $2,525 area median income (AMI) Rent affordable with full-time job paying $910 Baltimore-Columbia-Towson MSA $27.13 mean renter wage Rent affordable at 30% of AMI $757 $25.56 California-Lexington Park MSA Rent affordable with full-time job $525 paying minimum wage Philadelphia-Camden-Wilmington MSA $24.35 Rent affordable to SSI recipient $225 T albot County $22.31 $0 $500 $1,500 $2,000 $2,500 $3,000 $1,000 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 2018 NATIONAL LOW INCOME HOUSING COALITION 115

122 MARYLAND FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Maryland $1,510 $30,297 $60,406 729,709 $2,525 34% 1.7 $100,990 $757 $910 $17.51 $29.04 2.9 Combined Nonmetro Areas 30% $67,595 $20,278 $507 18,116 $1,690 $18.53 $10.50 1.8 1.8 $546 $963 $38,537 Metropolitan Areas $28,470 354,157 $952 1.5 2.7 $18.31 $27.13 $94,900 34% $56,440 $1,411 $2,373 $712 Baltimore-Columbia-Towson MSA * $963 1.4 2.5 $18.53 $25.56 $31,020 28% $53,160 $1,329 $2,585 $776 $103,400 10,945 California-Lexington Park MSA $484 32% 8,899 $13.40 $9.30 $16,650 $27,880 $697 $1,388 $416 $55,500 1.3 1.4 Cumberland MSA 35% $72,800 $546 $1,820 $913 $36,520 $21,840 $655 1.4 1.7 $12.60 $17.56 19,890 Hagerstown HMFA $1,266 $2,185 $656 $87,400 10,058 $676 1.9 2.4 $13.01 $24.35 $26,220 27% $50,640 Philadelphia-Camden-Wilmington MSA * $1,795 $1,001 $40,040 38% $21,540 $19.25 $71,800 1.9 1.5 $673 14,282 $12.94 $539 Salisbury HMFA Somerset County HMFA $371 $49,500 2,962 $547 1.4 1.5 $10.52 $14.67 $14,850 36% $30,520 $763 $1,238 $18.06 $2,930 $879 285,166 $939 1.9 3.4 $1,793 $34.48 $35,160 34% $71,720 $117,200 Washington-Arlington-Alexandria HMFA * 1.9 $9.30 $1,808 $19.46 $542 $72,300 $1,012 $484 $40,480 $21,690 25% 2.1 5,234 Worcester County HMFA Counties 8,899 $9.30 $13.40 Allegany County $484 1.3 1.4 $55,500 $416 $1,388 $697 $27,880 $16,650 32% 1.5 $973 $94,900 53,498 Anne Arundel County * $28,470 $56,440 26% $1,411 $2,373 $712 $27.13 $18.71 2.7 2.7 $27.13 34% $56,440 $1,411 $712 $17.35 $28,470 $94,900 106,904 1.6 $902 Baltimore County * $2,373 $2,930 $1,793 $71,720 18% $35,160 $34.48 $14.45 3.4 2.4 $752 $117,200 5,696 Calvert County * $879 $63,600 $915 $19,080 $17.60 $11.52 1.7 1.5 $599 Caroline County 3,538 $36,600 $477 $1,590 29% $1,411 19% $28,470 $2,373 $712 $94,900 $56,440 Carroll County * $27.13 $10.40 2.7 2.6 $541 11,337 $656 $87,400 10,058 Cecil County * $50,640 $26,220 $24.35 $13.01 2.4 1.9 $676 $1,266 27% $2,185 23% Charles County * $117,200 $879 $2,930 $1,793 $71,720 12,231 $35,160 $34.48 $11.76 3.4 2.9 $612 4,578 Dorchester County $573 1.5 1.7 $11.03 $16.88 $18,960 $63,200 $35,120 $878 $1,580 $474 35% $71,720 Frederick County * 23,049 $117,200 $879 $2,930 $1,793 $738 26% $35,160 $34.48 $14.19 3.4 2.4 FMR=Fiar Market Rent (HUD, 1999) Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 116 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

123 MARYLAND HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Garrett County $437 $1,455 $733 $29,320 22% $17,460 $14.10 $7.83 1.4 1.8 $407 2,619 $58,200 $28,470 Harford County * $712 $2,373 $1,411 $56,440 22% $94,900 $27.13 $12.00 2.7 2.3 $624 20,232 $1,039 29,217 $94,900 $712 $2,373 $1,411 $56,440 27% $28,470 $27.13 $19.98 2.7 1.4 Howard County * $590 Kent County 2,354 $74,600 $560 $1,865 $1,039 $41,560 31% $22,380 $19.98 $11.34 2.0 1.8 $1,793 $1,066 $20.51 $34.48 $35,160 34% $71,720 3.4 $2,930 $879 $117,200 126,563 Montgomery County * 1.7 38% $16.70 3.4 2.1 $868 $71,720 $35,160 $34.48 $2,930 $879 $117,200 117,627 Prince George's County * $1,793 $56,440 $9.28 3,402 $94,900 $712 $2,373 $1,411 Queen Anne's County * 19% $28,470 $27.13 2.7 2.9 $483 $963 1.4 2.5 $18.53 $25.56 $31,020 28% $53,160 $1,329 $2,585 $776 $103,400 10,945 St. Mary's County $30,520 1.4 2,962 $49,500 $371 $1,238 $763 Somerset County 36% $14,850 $14.67 $10.52 1.5 $547 $1,160 $46,400 31% $23,220 $22.31 $11.00 2.2 2.0 $572 Talbot County 5,027 $77,400 $581 $1,935 35% Washington County $72,800 $546 $1,820 $913 $36,520 19,890 $21,840 $17.56 $12.60 1.7 1.4 $655 $21,540 Wicomico County 14,282 $71,800 $539 $1,795 $1,001 $40,040 38% $19.25 $12.94 1.9 1.5 $673 5,234 Worcester County $72,300 $542 $1,808 $1,012 $40,480 $484 25% $21,690 $19.46 $9.30 1.9 2.1 53% Baltimore city * 129,567 $94,900 $712 $2,373 $1,411 $56,440 $1,129 $28,470 $27.13 $21.71 2.7 1.2 Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See FMR=Fiar Market Rent (HUD, 1999) Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 117 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

124 S TAT E S TAT E * RANKING RANKING # 6 MASSACHUSETTS In Massachusetts , the Fair Market Rent (FMR) for a two-bedroom apartment $28.64 $1,489 is . In order to afford this level of rent and utilities — without paying PER HOUR $4,964 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $59,571 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MASSACHUSETTS: STATE FACTS 84 104 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $11.00 (at FMR) Rental Home (at FMR) Rental Home $20.06 Average Renter Wage 2-Bedroom Housing Wage $28.64 2.1 2.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 970,146 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 38% Two bedroom FMR $1,489 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,204 Rent affordable at $33.46 Boston-Cambridge-Quincy HMFA $2,410 area median income (AMI) Rent affordable with full-time job paying $1,043 Barnstable Town MSA $27.71 mean renter wage Rent affordable at 30% of AMI $723 $27.40 Easton-Raynham HMFA Rent affordable with full-time job $572 paying minimum wage Lowell HMFA $26.77 Rent affordable to SSI recipient $259 B rockton HMFA $26.25 $0 $500 $1,500 $2,000 $2,500 $3,000 $1,000 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 2018 NATIONAL LOW INCOME HOUSING COALITION 118

125 MASSACHUSETTS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Massachusetts $96,409 2.6 970,146 $1,489 $2,410 38% $59,571 $723 $20.06 $28.64 $1,043 1.4 $28,923 Combined Nonmetro Areas $47,631 2.1 1.8 $650 $1,191 $81,332 $22.90 $24,400 $610 12,353 $2,033 $12.51 31% Metropolitan Areas $11.86 $2,155 $1,441 $57,640 21% $25,860 $27.71 $647 2.5 2.3 $617 19,672 $86,200 Barnstable Town MSA $561 $40,840 $22,440 $19.63 $74,800 $1,870 $1,021 5,206 $627 1.6 1.8 $12.07 27% Berkshire County (part) HMFA $1,740 $2,695 $809 $107,800 3.0 $1,254 1.4 $24.12 $33.46 $32,340 41% $69,600 545,383 Boston-Cambridge-Quincy HMFA 25,647 2.4 $11.45 2.3 $595 $26.25 $25,230 30% $54,600 $1,365 $631 $84,100 $2,103 Brockton HMFA $33,690 $24.54 $697 1.8 2.2 $13.41 $112,300 7,237 22% $51,040 $1,276 $2,808 $842 Eastern Worcester County HMFA 20% $34,830 $27.40 $12.35 2.5 2.2 $642 2,512 $116,100 $871 $2,903 $1,425 $57,000 Easton-Raynham HMFA $79,100 $593 $1,978 $1,085 $43,400 38% 21,192 $20.87 $13.41 $697 1.6 1.9 $23,730 Fitchburg-Leominster HMFA 2.1 $95,000 $713 $2,375 $1,187 $47,480 39% $28,500 $22.83 39,889 $730 1.6 $14.03 Lawrence HMFA $26.77 $2,635 $1,392 $55,680 31% $31,620 $791 $24.23 2.4 1.1 $1,260 $105,400 34,381 Lowell HMFA 1.4 $642 $65,200 $489 $1,630 $906 $36,240 44% $19,560 $17.42 $12.35 1.6 28,033 New Bedford HMFA $627 12,144 $64,800 $486 $1,620 $1,000 $40,000 34% $19,440 $19.23 $12.07 1.7 1.6 Pittsfield HMFA 40% 37,956 $80,600 $605 $2,015 $1,014 $40,560 $642 $24,180 $19.50 $12.35 1.8 1.6 Providence-Fall River HMFA $1,848 $11.18 2.0 $581 $73,900 $554 $21.48 $1,117 $44,680 37% 1.9 87,839 $22,170 Springfield MSA $12.35 $22.83 $26,580 29% $47,480 $1,187 2.1 $665 $88,600 $642 12,214 1.8 $2,215 Taunton-Mansfield-Norton HMFA $36,880 $922 $1,960 $588 $78,400 1.3 1.6 $697 $13.41 2,808 $17.73 $23,520 24% Western Worcester County HMFA 1.7 2.1 $13.41 $22.92 $25,740 37% $697 $1,192 $2,145 $644 $85,800 $47,680 75,680 Worcester HMFA Counties $29.44 $909 1.7 2.7 $17.48 Dukes County $27,810 23% $61,240 $1,531 $2,318 $695 $92,700 1,439 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 119 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

126 MASSACHUSETTS FY18 HOUSING WAGE RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $22,440 $20.85 $10.83 9,529 1.9 1.9 $563 Franklin County $74,800 $561 $1,870 $1,084 $43,360 31% 2.7 $30.23 $34,470 36% $62,880 $1,572 $2,873 $862 $114,900 1,385 Nantucket County † † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 120 OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION

127 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, Wrentham town | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 121

128 PLYMOUTH COUNTY Carver town, Duxbury town, Hanover town, Hingham town, Hull town, Kingston town, Marshfield town, Norwell town, Pembr oke town, Plymouth town, Rockland town, Scituate town, Wareham town SUFFOLK COUNTY Boston city, Chelsea city, Revere city, Winthrop town 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 | 122 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

129 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 FRANKLIN COUNTY Sunderland town HAMPDEN COUNTY Agawam 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, Russell town, Southwick town, Springfield city, Tolland town, Wales town, West Springfield town, Westfield city, Wilbraham town | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 123

130 HAMPSHIRE COUNTY Amherst town, Belchertown town, Chesterfield town, Cummington town, Easthampton city , Goshen town, Granby town, Hadley town, , Pelham town, Plainfield town, South Hadley town, Southampton Hatfield town, Huntington town, Middlefield town, Northampton city 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 ookfield town, Northborough town, Northbridge town, town, Grafton town, Holden town, Leicester town, Millbury town, North Br 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 | 124 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

131 S TAT E S TAT E * RANKING RANKING 28 # MICHIGAN In Michigan , the Fair Market Rent (FMR) for a two-bedroom apartment is $16.85 . In order to afford this level of rent and utilities — without paying more $876 PER HOUR than 30% of income on housing — a household must earn $2,921 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $35,057 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MICHIGAN: STATE FACTS 73 57 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $9.25 (at FMR) Rental Home (at FMR) Rental Home $14.27 Average Renter Wage 2-Bedroom Housing Wage $16.85 1.8 1.4 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,128,343 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 29% Two bedroom FMR $876 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $687 Rent affordable at Ann Arbor MSA $21.21 $1,700 area median income (AMI) Rent affordable with full-time job paying $742 Livingston County HMFA $18.29 mean renter wage Rent affordable at 30% of AMI $510 Detroit-Warren-Livonia HMFA $18.08 Rent affordable with full-time job $481 paying minimum wage $17.35 Grand Traverse County Rent affordable to SSI recipient $229 G rand Rapids-Wyoming HMFA $16.88 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 125

132 MICHIGAN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Michigan 1,128,343 29% $35,057 1.8 1.2 $876 $1,700 $20,398 $14.27 $742 $16.85 $510 $67,993 Combined Nonmetro Areas $429 158,230 $1,431 $14.27 $10.55 1.5 1.4 $549 $742 $57,259 $17,178 $29,691 22% Metropolitan Areas $44,120 Ann Arbor MSA $92,900 $697 $2,323 $1,103 1.4 40% $27,870 $21.21 $15.18 2.3 $789 55,979 $15.10 $20,460 $785 4,301 $532 1.5 19% 1.6 $10.23 Barry County HMFA $68,200 $512 $1,705 $31,400 1.0 $29,480 30% $16,470 $14.17 $14.58 1.5 16,134 $758 Battle Creek MSA $54,900 $412 $1,373 $737 $558 9,667 1.4 1.6 $10.73 $14.50 $18,120 22% $30,160 $754 $1,510 $453 $60,400 Bay City MSA $17,760 $31,760 $15.27 Cass County HMFA $59,200 $444 19% $1,480 $10.83 1.7 1.4 $563 3,829 $794 $18.08 $1,773 Detroit-Warren-Livonia HMFA $940 $37,600 32% $21,270 $70,900 $16.56 2.0 1.1 $861 514,708 $532 31% $17,370 $14.98 $12.00 1.6 1.2 $624 51,001 Flint MSA $57,900 $434 $1,448 $779 $31,160 $680 73,445 $69,900 $524 $1,748 $878 $35,120 31% $20,970 $16.88 $13.08 1.8 1.3 Grand Rapids-Wyoming HMFA $33,120 22,279 1.7 $12.48 $15.92 $23,100 23% 1.3 $828 $1,925 $578 $77,000 Holland-Grand Haven HMFA $649 16,783 1.2 1.6 $11.85 $14.81 $18,720 28% $30,800 $770 $1,560 $468 $62,400 Jackson MSA $616 33% $707 $70,300 $527 $1,758 $810 $32,400 Kalamazoo-Portage MSA $21,090 $15.58 $13.59 1.7 1.1 43,193 $34,240 36% $22,170 $16.46 $13.02 1.8 1.3 $677 65,498 Lansing-East Lansing MSA $73,900 $554 $1,848 $856 $18.29 Livingston County HMFA $2,328 $951 $38,040 15% $27,930 $698 $11.31 2.0 1.6 $588 10,535 $93,100 8,543 $73,400 $551 $1,835 $791 $31,640 25% $22,020 $15.21 $15.43 1.6 1.0 $802 Midland MSA $75,100 Monroe MSA $563 $1,878 $862 $34,480 20% $22,530 $16.58 $13.10 1.8 1.3 $681 11,928 $14.29 $52,100 $1,303 $743 $29,720 22% $15,630 $391 $10.89 1.5 1.3 $566 5,000 Montcalm County HMFA 26% 1.5 $517 16,842 $30,360 $17,790 $14.60 $9.95 1.6 $759 $1,483 $445 $59,300 Muskegon MSA 18,740 $18,240 $60,800 $456 $1,520 $754 $30,160 30% $14.50 $12.86 1.6 1.1 $669 Niles-Benton Harbor MSA Saginaw MSA $56,500 $424 $1,413 $736 $29,440 $613 28% $16,950 $14.15 $11.79 1.5 1.2 21,708 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 126 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

133 MICHIGAN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 576 Alcona County $562 1.2 1.4 $10.80 $13.40 $15,030 12% $27,880 $697 $1,253 $376 $50,100 14% $27,880 $1,378 $413 $55,100 466 Alger County $697 $16,530 $13.40 $9.67 1.4 1.4 $503 $30,320 Allegan County 7,936 $65,600 $492 $1,640 $758 $737 1.0 1.6 $14.18 $14.58 $19,680 19% 23% 1.7 $50,500 $379 $1,263 $697 $27,880 2,928 $15,150 $13.40 $7.86 1.4 Alpena County $409 16% $17,460 $418 1.7 1.5 $8.03 $13.94 $725 Antrim County 1,573 $58,200 $437 $1,455 $29,000 $14,670 $13.40 $8.03 1.4 1.7 $418 17% $27,880 $697 $1,223 $367 $48,900 1,103 Arenac County $507 467 $53,700 $403 $1,343 $697 Baraga County 16% $16,110 $13.40 $9.76 1.4 1.4 $27,880 1.5 1.6 $10.23 $15.10 $20,460 19% $31,400 $785 $1,705 $512 $68,200 4,301 Barry County $532 $30,160 1.4 9,667 $60,400 $453 $1,510 $754 Bay County 22% $18,120 $14.50 $10.73 1.6 $558 $31,640 14% $18,000 $15.21 $9.56 1.6 1.6 $497 Benzie County 971 $60,000 $450 $1,500 $791 30% $669 $60,800 $456 $1,520 $754 $30,160 18,740 $18,240 $14.50 $12.86 1.6 1.1 Berrien County $543 Branch County 3,737 $56,800 $426 $1,420 $737 $29,480 23% $17,040 $14.17 $10.45 1.5 1.4 $758 1.0 1.5 $14.58 $14.17 $16,470 30% $29,480 $737 $1,373 $412 $54,900 16,134 Calhoun County 19% $563 $59,200 $444 $1,480 $794 $31,760 3,829 $17,760 $15.27 $10.83 1.7 1.4 Cass County 20% Charlevoix County 2,189 $63,400 $476 $1,585 $753 $628 1.2 1.6 $12.07 $14.48 $19,020 $30,120 $697 $27,880 18% $15,090 $13.40 $7.55 1.4 1.8 $393 Cheboygan County 2,037 $50,300 $377 $1,258 $16,470 Chippewa County $412 $1,373 $701 $28,040 31% $54,900 $13.48 $8.08 1.5 1.7 $420 4,306 18% 2,336 $42,300 $317 $1,058 $697 $27,880 $490 $12,690 $13.40 $9.43 1.4 1.4 Clare County 20% Clinton County $73,900 $554 $1,848 $856 $34,240 5,836 $22,170 $16.46 $10.24 1.8 1.6 $532 $599 Crawford County 1,221 $55,600 $417 $1,390 $758 $30,320 20% $16,680 $14.58 $11.53 1.6 1.3 Delta County $697 22% $17,310 $13.40 $8.18 1.4 1.6 $425 $27,880 $1,443 $433 $57,700 3,424 21% Dickinson County $56,400 $423 $1,410 $760 $30,400 2,293 $16,920 $14.62 $13.68 1.6 1.1 $712 29% Eaton County 12,713 $73,900 $554 $1,848 $856 $34,240 $22,170 $16.46 $13.68 1.8 1.2 $711 Emmet County 3,600 $68,000 $510 $1,700 $832 $595 $33,280 25% $20,400 $16.00 $11.44 1.7 1.4 1.2 Genesee County 51,001 $57,900 $434 $1,448 $624 $31,160 31% $17,370 $14.98 $12.00 1.6 $779 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 127 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

134 MICHIGAN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Gladwin County $375 $1,250 $697 $27,880 16% $15,000 $13.40 $9.36 1.4 1.4 $487 1,756 $50,000 22% $27,880 1.5 1.4 $8.99 $13.40 $15,720 $467 $697 $1,310 $393 $52,400 1,460 Gogebic County 8,376 Grand Traverse County $1,848 $554 $73,900 $902 $36,080 23% $22,170 $17.35 $13.32 1.9 1.3 $693 $16,410 Gratiot County $410 $1,368 $697 $27,880 26% $54,700 $13.40 $9.84 1.4 1.4 $512 3,885 $594 4,065 $54,000 $405 $1,350 $720 $28,800 23% $16,200 $13.85 $11.43 1.5 1.2 Hillsdale County $17,400 31% $8.00 1.5 1.7 $416 $714 $435 $58,000 4,085 Houghton County $28,560 $13.73 $1,450 $515 2,605 $56,700 $425 $1,418 $697 Huron County 19% $17,010 $13.40 $9.90 1.4 1.4 $27,880 1.2 1.8 $13.18 $16.46 $22,170 42% $34,240 $856 $1,848 $554 $73,900 46,949 Ingham County $686 $30,200 1.8 5,049 $60,800 $456 $1,520 $755 Ionia County 23% $18,240 $14.52 $7.90 1.6 $411 $27,880 20% $14,550 $13.40 $11.64 1.4 1.2 $605 Iosco County 2,352 $48,500 $364 $1,213 $697 17% $429 $49,600 $372 $1,240 $697 $27,880 943 $14,880 $13.40 $8.25 1.4 1.6 Iron County $458 Isabella County 9,651 $65,200 $489 $1,630 $758 $30,320 39% $19,560 $14.58 $8.80 1.6 1.7 $770 1.2 1.6 $11.85 $14.81 $18,720 28% $30,800 $1,560 $468 $62,400 16,783 Jackson County $616 36% $725 $70,300 $527 $1,758 $810 $32,400 36,762 $21,090 $15.58 $13.95 1.7 1.1 Kalamazoo County 18% Kalkaska County 1,279 $50,300 $377 $1,258 $746 $769 1.0 1.6 $14.79 $14.35 $15,090 $29,840 $878 $35,120 31% $20,970 $16.88 $13.08 1.8 1.3 $680 Kent County 73,445 $69,900 $524 $1,748 118 Keweenaw County $353 $1,178 $697 $27,880 12% $14,130 $13.40 $5.06 1.4 2.7 $263 $47,100 $13.40 748 $1,025 $697 $27,880 17% $12,300 $308 $6.69 1.4 2.0 $348 Lake County $41,000 5,828 $70,900 $532 $1,773 $940 $37,600 18% Lapeer County $18.08 $9.63 2.0 1.9 $501 $21,270 Leelanau County $72,000 $540 $1,800 $848 $33,920 1,257 $21,600 $16.31 $10.91 1.8 1.5 $567 14% $587 $801 $17,730 $15.40 $11.29 1.7 Lenawee County 22% $32,040 1.4 $1,478 $443 $59,100 8,458 15% Livingston County $93,100 $698 $2,328 $951 $38,040 10,535 $27,930 $18.29 $11.31 2.0 1.6 $588 1.5 $473 1.4 $9.10 $13.40 $14,610 25% Luce County $697 $1,218 $365 $48,700 573 $27,880 $511 1,396 $48,900 $367 $1,223 $697 Mackinac County 27% $14,670 $13.40 $9.82 1.4 1.4 $27,880 $21,270 27% $37,600 $940 $1,773 $532 $70,900 91,451 Macomb County 1.2 $15.25 $18.08 2.0 $793 $701 $28,040 18% $16,020 $13.48 $10.47 1.5 1.3 $545 Manistee County 1,831 $53,400 $401 $1,335 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 128 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

135 MICHIGAN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Marquette County $472 $1,573 $750 $30,000 30% $18,870 $14.42 $9.26 1.6 1.6 $482 7,864 $62,900 24% $31,000 1.5 1.6 $10.03 $14.90 $16,290 $522 $775 $1,358 $407 $54,300 2,928 Mason County 4,183 Mecosta County $1,423 $427 $56,900 $697 $27,880 27% $17,070 $13.40 $9.08 1.4 1.5 $472 $16,200 Menominee County $405 $1,350 $697 $27,880 21% $54,000 $13.40 $9.29 1.4 1.4 $483 2,262 $802 8,543 $73,400 $551 $1,835 $791 $31,640 25% $22,020 $15.21 $15.43 1.6 1.0 Midland County $15,300 17% $9.14 1.5 1.5 $475 $715 $383 $51,000 1,011 Missaukee County $28,600 $13.75 $1,275 $681 11,928 $75,100 $563 $1,878 $862 Monroe County 20% $22,530 $16.58 $13.10 1.8 1.3 $34,480 1.3 1.5 $10.89 $14.29 $15,630 22% $29,720 $743 $1,303 $391 $52,100 5,000 Montcalm County $566 $28,480 1.5 626 $44,000 $330 $1,100 $712 Montmorency County 15% $13,200 $13.69 $9.04 1.5 $470 $30,360 26% $17,790 $14.60 $9.95 1.6 1.5 $517 Muskegon County 16,842 $59,300 $445 $1,483 $759 17% $502 $54,200 $407 $1,355 $748 $29,920 3,099 $16,260 $14.38 $9.65 1.6 1.5 Newaygo County $912 Oakland County 147,751 $70,900 $532 $1,773 $940 $37,600 30% $21,270 $18.08 $17.54 2.0 1.0 $697 1.3 1.4 $9.93 $13.40 $15,510 20% $27,880 $1,293 $388 $51,700 2,014 Oceana County $517 17% $455 $46,900 $352 $1,173 $709 $28,360 1,628 $14,070 $13.63 $8.75 1.5 1.6 Ogemaw County 12% Ontonagon County 368 $48,000 $360 $1,200 $697 $318 2.2 1.4 $6.11 $13.40 $14,400 $27,880 $697 $27,880 21% $14,820 $13.40 $11.44 1.4 1.2 $595 Osceola County 1,859 $49,400 $371 $1,235 547 Oscoda County $334 $1,113 $707 $28,280 15% $13,350 $13.60 $6.71 1.5 2.0 $349 $44,500 $14.63 1,873 $1,515 $761 $30,440 19% $18,180 $455 $9.66 1.6 1.5 $502 Otsego County $60,600 22,279 $77,000 $578 $1,925 $828 $33,120 23% Ottawa County $15.92 $12.48 1.7 1.3 $649 $23,100 Presque Isle County $52,100 $391 $1,303 $697 $27,880 703 $15,630 $13.40 $9.16 1.4 1.5 $477 12% $395 $704 $13,320 $13.54 $7.59 1.5 Roscommon County 19% $28,160 1.8 $1,110 $333 $44,400 2,179 28% Saginaw County $56,500 $424 $1,413 $736 $29,440 21,708 $16,950 $14.15 $11.79 1.5 1.2 $613 1.7 $555 2.0 $10.68 $18.08 $21,270 24% St. Clair County $940 $1,773 $532 $70,900 15,743 $37,600 $598 6,171 $54,800 $411 $1,370 $722 St. Joseph County 27% $16,440 $13.88 $11.50 1.5 1.2 $28,880 $16,110 21% $27,880 $697 $1,343 $403 $53,700 3,530 Sanilac County 1.4 $9.66 $13.40 1.4 $502 $697 $27,880 19% $15,120 $13.40 $9.29 1.4 1.4 $483 Schoolcraft County 641 $50,400 $378 $1,260 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 129 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

136 MICHIGAN HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Shiawassee County $480 $1,600 $731 $64,000 $29,240 24% $19,200 6,636 $14.06 $9.92 1.5 1.4 $516 18% Tuscola County $55,600 $417 $1,390 $697 $27,880 3,864 $16,680 $13.40 $10.56 1.4 1.3 $549 1.4 $595 1.7 $11.44 $15.58 $21,090 22% Van Buren County $810 $1,758 $527 $70,300 6,431 $32,400 $789 55,979 $92,900 $697 $2,323 $1,103 Washtenaw County 40% $27,870 $21.21 $15.18 2.3 1.4 $44,120 $21,270 38% $37,600 $940 $1,773 $532 $70,900 253,935 Wayne County $865 2.0 $18.08 1.1 $16.64 $784 $31,360 25% $15,570 $15.08 $11.44 1.6 1.3 $595 Wexford County 3,194 $51,900 $389 $1,298 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 130 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

137 S TAT E S TAT E * RANKING RANKING # MINNESOTA 22 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Minnesota $18.82 . In order to afford this level of rent and utilities — without paying more $979 PER HOUR monthly or $3,262 than 30% of income on housing — a household must earn $39,141 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MINNESOTA: STATE FACTS 78 61 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $9.65 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $14.84 2-Bedroom Housing Wage $18.82 1.5 2 Number of Full-Time Jobs At Number of Full-Time Jobs At 609,699 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 29% Two bedroom FMR $979 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $771 Rent affordable at Minneapolis-St. Paul-Bloomington HMFA $20.94 $2,118 area median income (AMI) Rent affordable with full-time job paying $772 Grand Forks MSA $18.58 mean renter wage Rent affordable at 30% of AMI $635 $16.96 Rice County Rent affordable with full-time job $502 paying minimum wage $16.54 Mille Lacs County HMFA Rent affordable to SSI recipient $249 $16.54 R ochester HMFA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 131

138 MINNESOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Minnesota $979 $18.82 609,699 $39,141 $14.84 $2,118 1.3 29% $772 $84,726 $635 $25,418 2.0 Combined Nonmetro Areas $503 118,739 $1,675 $14.30 $10.01 1.5 1.4 $520 $744 $67,006 $20,102 24% $29,745 Metropolitan Areas 27,683 $538 $71,400 $536 $1,785 $848 $33,920 28% $21,420 $16.31 $10.35 1.7 1.6 Duluth MSA 30% $82,000 $615 $2,050 $810 $32,400 6,956 $24,600 $15.58 $7.85 1.6 2.0 $408 Fargo MSA $402 1.7 1,803 $70,100 $526 $1,753 $697 $27,880 21% $21,030 $13.40 $7.72 1.4 Fillmore County HMFA 3,417 $586 $1,953 $966 $38,640 27% $78,100 $18.58 $8.53 1.9 2.2 $444 $23,430 Grand Forks MSA $72,400 $543 $1,810 $793 $31,720 19% $21,720 $15.25 $7.59 1.6 2.0 $395 1,534 La Crosse-Onalaska MSA $14.58 $76,500 $1,913 $758 $30,320 19% $22,950 $574 $11.47 1.5 1.3 $597 2,028 Le Sueur County HMFA $1,875 12,707 $541 $75,000 $563 1.5 $829 $33,160 34% $22,500 $15.94 $10.40 1.7 Mankato-North Mankato MSA $61,100 $34,400 26% $18,330 $16.54 $8.97 1.7 1.8 $466 2,594 $458 $1,528 $860 Mille Lacs County HMFA $879 31% $28,290 $20.94 $16.90 2.2 1.2 $2,358 389,647 $707 $94,300 $1,089 $43,560 Minneapolis-St. Paul-Bloomington HMFA 25% $27,150 $16.54 $14.48 1.7 $90,500 $753 16,666 $679 $2,263 1.1 $34,400 $860 Rochester HMFA $21,150 $13.48 $11.22 1.4 1.2 22% 1,311 $701 $28,040 $1,763 $529 $70,500 $583 Sibley County HMFA 31% $21,180 $11.80 1.6 1.3 $613 22,842 $15.38 $32,000 $800 $1,765 $530 $70,600 St. Cloud MSA $1,803 1,772 $493 $72,100 $541 $714 $28,560 20% $21,630 $13.73 $9.48 1.4 1.4 Wabasha County HMFA Counties Aitkin County $56,200 $422 $1,405 $745 $29,800 17% $16,860 $14.33 $9.17 1.5 1.6 $477 1,327 $28,290 20% $704 1.5 2.2 $13.55 $20.94 Anoka County $43,560 $1,089 $2,358 $707 $94,300 25,232 Becker County 1.5 1.4 $9.06 $13.63 $19,950 21% $471 $28,360 $709 $1,663 $499 $66,500 2,833 $17,670 5,259 $442 $1,473 $766 $30,640 31% $58,900 $14.73 $9.94 1.5 1.5 $517 Beltrami County Benton County 31% $32,000 $800 1.6 $543 $10.43 1.5 $15.38 $21,180 $1,765 $530 $70,600 4,866 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 132 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

139 MINNESOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Big Stone County $484 $1,613 $697 $27,880 21% $19,350 $13.40 $8.38 1.4 1.6 $436 473 $64,500 37% $33,160 1.5 1.7 $10.41 $15.94 $22,500 $541 $829 $1,875 $563 $75,000 9,290 Blue Earth County 2,252 Brown County $1,758 $527 $70,300 $697 $27,880 21% $21,090 $13.40 $9.17 1.4 1.5 $477 $21,420 Carlton County $536 $1,785 $848 $33,920 21% $71,400 $16.31 $10.52 1.7 1.6 $547 2,798 $665 7,077 $94,300 $707 $2,358 $1,089 $43,560 20% $28,290 $20.94 $12.79 2.2 1.6 Carver County $17,070 19% $7.13 1.5 2.0 $371 $755 $427 $56,900 2,472 Cass County $30,200 $14.52 $1,423 $595 1,436 $67,600 $507 $1,690 $697 Chippewa County 29% $20,280 $13.40 $11.45 1.4 1.2 $27,880 2.4 2.2 $8.88 $20.94 $28,290 15% $43,560 $1,089 $2,358 $707 $94,300 2,958 Chisago County $462 $32,400 2.0 6,956 $82,000 $615 $2,050 $810 Clay County 30% $24,600 $15.58 $7.85 1.6 $408 $27,880 21% $17,040 $13.40 $9.97 1.4 1.3 $519 Clearwater County 733 $56,800 $426 $1,420 $697 26% $361 $67,600 $507 $1,690 $766 $30,640 693 $20,280 $14.73 $6.94 1.5 2.1 Cook County $479 Cottonwood County 1,044 $59,600 $447 $1,490 $697 $27,880 22% $17,880 $13.40 $9.20 1.4 1.5 $797 1.5 1.6 $10.26 $15.33 $19,380 25% $31,880 $1,615 $485 $64,600 6,557 Crow Wing County $534 26% $737 $94,300 $707 $2,358 $1,089 $43,560 40,564 $28,290 $20.94 $14.18 2.2 1.5 Dakota County 17% Dodge County 1,284 $90,500 $679 $2,263 $860 $542 1.6 1.7 $10.42 $16.54 $27,150 $34,400 $814 $32,560 23% $21,480 $15.65 $10.15 1.6 1.5 $528 Douglas County 3,608 $71,600 $537 $1,790 1,510 Faribault County $461 $1,538 $697 $27,880 24% $18,450 $13.40 $11.84 1.4 1.1 $616 $61,500 $13.40 1,803 $1,753 $697 $27,880 21% $21,030 $526 $7.72 1.4 1.7 $402 Fillmore County $70,100 3,188 $62,700 $470 $1,568 $697 $27,880 24% Freeborn County $13.40 $12.14 1.4 1.1 $631 $18,810 Goodhue County $77,700 $583 $1,943 $801 $32,040 4,642 $23,310 $15.40 $11.45 1.6 1.3 $595 24% $383 $697 $19,530 $13.40 $7.36 1.4 Grant County 20% $27,880 1.8 $1,628 $488 $65,100 507 38% Hennepin County $94,300 $707 $2,358 $1,089 $43,560 186,566 $28,290 $20.94 $19.19 2.2 1.1 $998 2.0 $395 1.6 $7.59 $15.25 $21,720 19% Houston County $793 $1,810 $543 $72,400 1,534 $31,720 $447 1,612 $63,000 $473 $1,575 $697 Hubbard County 18% $18,900 $13.40 $8.59 1.4 1.6 $27,880 $28,290 19% $43,560 $1,089 $2,358 $707 $94,300 2,697 Isanti County 2.0 $10.74 $20.94 2.2 $558 $767 $30,680 20% $17,850 $14.75 $9.41 1.5 1.6 $490 Itasca County 3,789 $59,500 $446 $1,488 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 133 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

140 MINNESOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Jackson County $512 $1,705 $697 $27,880 22% $20,460 $13.40 $10.05 1.4 1.3 $522 973 $68,200 19% $31,800 1.5 1.6 $10.25 $15.29 $17,910 $533 $795 $1,493 $448 $59,700 1,218 Kanabec County 4,585 Kandiyohi County $1,723 $517 $68,900 $733 $29,320 27% $20,670 $14.10 $9.41 1.5 1.5 $489 $21,270 Kittson County $532 $1,773 $697 $27,880 18% $70,900 $13.40 $8.36 1.4 1.6 $435 352 $392 1,187 $61,200 $459 $1,530 $697 $27,880 21% $18,360 $13.40 $7.53 1.4 1.8 Koochiching County $20,460 20% $9.65 1.4 1.4 $502 $697 $512 $68,200 615 Lac qui Parle County $27,880 $13.40 $1,705 $610 1,009 $63,900 $479 $1,598 $802 Lake County 19% $19,170 $15.42 $11.73 1.6 1.3 $32,080 1.6 1.4 $8.59 $13.40 $19,740 16% $27,880 $697 $1,645 $494 $65,800 242 Lake of the Woods County $447 $30,320 1.3 2,028 $76,500 $574 $1,913 $758 Le Sueur County 19% $22,950 $14.58 $11.47 1.5 $597 $27,880 21% $20,370 $13.40 $8.71 1.4 1.5 $453 Lincoln County 513 $67,900 $509 $1,698 $697 32% $515 $75,000 $563 $1,875 $697 $27,880 3,254 $22,500 $13.40 $9.90 1.4 1.4 Lyon County $569 McLeod County 3,393 $71,700 $538 $1,793 $724 $28,960 23% $21,510 $13.92 $10.94 1.4 1.3 $697 1.3 1.4 $10.09 $13.40 $15,600 28% $27,880 $1,300 $390 $52,000 559 Mahnomen County $525 19% $579 $69,800 $524 $1,745 $697 $27,880 753 $20,940 $13.40 $11.13 1.4 1.2 Marshall County 26% Martin County 2,241 $65,800 $494 $1,645 $697 $510 1.4 1.4 $9.80 $13.40 $19,740 $27,880 $766 $30,640 20% $21,360 $14.73 $9.00 1.5 1.6 $468 Meeker County 1,864 $71,200 $534 $1,780 2,594 Mille Lacs County $458 $1,528 $860 $34,400 26% $18,330 $16.54 $8.97 1.7 1.8 $466 $61,100 $13.40 2,801 $1,645 $697 $27,880 21% $19,740 $494 $7.44 1.4 1.8 $387 Morrison County $65,800 4,198 $67,800 $509 $1,695 $761 $30,440 27% Mower County $14.63 $12.07 1.5 1.2 $628 $20,340 Murray County $70,700 $530 $1,768 $697 $27,880 717 $21,210 $13.40 $11.71 1.4 1.1 $609 19% $541 $829 $22,500 $15.94 $10.40 1.7 Nicollet County 27% $33,160 1.5 $1,875 $563 $75,000 3,417 29% Nobles County $63,400 $476 $1,585 $717 $28,680 2,296 $19,020 $13.79 $12.46 1.4 1.1 $648 1.4 $486 1.4 $9.35 $13.40 $19,590 19% Norman County $697 $1,633 $490 $65,300 503 $27,880 $764 15,382 $90,500 $679 $2,263 $860 Olmsted County 26% $27,150 $16.54 $14.70 1.7 1.1 $34,400 $20,670 21% $29,200 $730 $1,723 $517 $68,900 5,115 Otter Tail County 1.5 $9.15 $14.04 1.5 $476 $718 $28,720 27% $20,550 $13.81 $11.64 1.4 1.2 $605 Pennington County 1,589 $68,500 $514 $1,713 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 134 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

141 MINNESOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pine County $423 $1,410 $802 $32,080 22% $16,920 $15.42 $7.03 1.6 2.2 $365 2,445 $56,400 24% $27,880 1.5 1.4 $9.04 $13.40 $18,360 $470 $697 $1,530 $459 $61,200 962 Pipestone County 3,417 Polk County $1,953 $586 $78,100 $966 $38,640 27% $23,430 $18.58 $8.53 1.9 2.2 $444 $21,180 Pope County $530 $1,765 $750 $30,000 20% $70,600 $14.42 $11.60 1.5 1.2 $603 953 $914 84,941 $94,300 $707 $2,358 $1,089 $43,560 41% $28,290 $20.94 $17.58 2.2 1.2 Ramsey County $20,820 19% $7.45 1.4 1.8 $388 $697 $521 $69,400 326 Red Lake County $27,880 $13.40 $1,735 $536 1,297 $64,200 $482 $1,605 $697 Redwood County 21% $19,260 $13.40 $10.30 1.4 1.3 $27,880 1.2 1.4 $11.42 $13.40 $20,100 21% $27,880 $697 $1,675 $503 $67,000 1,287 Renville County $594 $35,280 1.7 5,859 $78,100 $586 $1,953 $882 Rice County 26% $23,430 $16.96 $10.01 1.8 $521 $27,880 26% $19,890 $13.40 $11.84 1.4 1.1 $615 Rock County 1,020 $66,300 $497 $1,658 $697 20% $620 $67,300 $505 $1,683 $697 $27,880 1,250 $20,190 $13.40 $11.92 1.4 1.1 Roseau County $537 St. Louis County 24,885 $71,400 $536 $1,785 $848 $33,920 29% $21,420 $16.31 $10.33 1.7 1.6 $1,089 1.9 2.2 $10.86 $20.94 $28,290 17% $43,560 $2,358 $707 $94,300 8,051 Scott County $565 17% $580 $94,300 $707 $2,358 $1,089 $43,560 5,327 $28,290 $20.94 $11.16 2.2 1.9 Sherburne County 22% Sibley County 1,311 $70,500 $529 $1,763 $701 $583 1.2 1.4 $11.22 $13.48 $21,150 $28,040 $800 $32,000 31% $21,180 $15.38 $12.08 1.6 1.3 $628 Stearns County 17,976 $70,600 $530 $1,765 3,438 Steele County $578 $1,928 $810 $32,400 24% $23,130 $15.58 $10.22 1.6 1.5 $532 $77,100 $13.40 1,156 $1,883 $697 $27,880 32% $22,590 $565 $8.14 1.4 1.6 $423 Stevens County $75,300 1,214 $64,700 $485 $1,618 $697 $27,880 29% Swift County $13.40 $10.20 1.4 1.3 $530 $19,410 Todd County $60,300 $452 $1,508 $697 $27,880 1,823 $18,090 $13.40 $9.57 1.4 1.4 $498 18% $458 $697 $20,070 $13.40 $8.81 1.4 Traverse County 18% $27,880 1.5 $1,673 $502 $66,900 277 20% Wabasha County $72,100 $541 $1,803 $714 $28,560 1,772 $21,630 $13.73 $9.48 1.4 1.4 $493 1.2 $603 1.4 $11.59 $13.40 $16,530 25% Wadena County $697 $1,378 $413 $55,100 1,403 $27,880 $462 1,734 $73,900 $554 $1,848 $697 Waseca County 24% $22,170 $13.40 $8.88 1.4 1.5 $27,880 $28,290 20% $43,560 $1,089 $2,358 $707 $94,300 17,867 Washington County 1.7 $11.98 $20.94 2.2 $623 $697 $27,880 26% $19,530 $13.40 $10.12 1.4 1.3 $526 Watonwan County 1,170 $65,100 $488 $1,628 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 135 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

142 MINNESOTA FY18 HOUSING WAGE RENTERS HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $13.40 $8.60 1.4 1.6 669 $447 Wilkin County $69,900 $524 $1,748 $697 $27,880 23% $20,970 30% Winona County $73,300 $550 $1,833 $724 $28,960 5,638 $21,990 $13.92 $9.20 1.4 1.5 $478 $505 2.2 2.2 $9.72 $20.94 $28,290 18% Wright County $1,089 $2,358 $707 $94,300 8,367 $43,560 $474 Yellow Medicine County 906 $66,000 $495 $1,650 1.5 $27,880 22% $19,800 $13.40 $9.11 1.4 $697 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 136 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

143 S TAT E S TAT E * RANKING RANKING 47 MISSISSIPPI # In Mississippi , the Fair Market Rent (FMR) for a two-bedroom apartment is $14.51 $755 . In order to afford this level of rent and utilities — without paying more PER HOUR than 30% of income on housing — a household must earn $2,516 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $30,188 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MISSISSIPPI: STATE FACTS 80 66 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $11.44 Average Renter Wage 2-Bedroom Housing Wage $14.51 2 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 352,404 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage 2-Bedroom Rental Home (at FMR) (at FMR) 1-Bedroom Rental Home Percent Renters 32% Two bedroom FMR $755 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $621 Rent affordable at $16.98 Lafayette County $1,303 area median income (AMI) Rent affordable with full-time job paying $595 $16.92 Jackson HMFA mean renter wage Rent affordable at 30% of AMI $391 DeSoto County $16.02 Rent affordable with full-time job $377 paying minimum wage Oktibbeha County $15.71 Rent affordable to SSI recipient $225 H attiesburg MSA $15.19 $1,500 $1,000 $500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 137

144 /I55I55I22I FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Mississippi 2.0 352,404 $391 $755 $1,303 32% $30,188 $11.44 $595 $14.51 $15,640 $52,134 1.3 Combined Nonmetro Areas $13,900 $348 31% 184,038 $1,158 $13.53 $10.35 1.9 1.3 $538 $703 $46,335 $28,132 Metropolitan Areas 16% $471 1.4 1.8 $9.05 $12.71 $12,930 505 $26,440 $661 $1,078 Benton County HMFA $43,100 $323 41% 1.2 2.0 $12.19 $14.83 $15,600 $390 $30,840 $771 $52,000 Gulfport-Biloxi HMFA $1,300 38,847 $634 38% $577 $58,200 $437 $1,455 $790 $31,600 Hattiesburg MSA $17,460 $15.19 $11.10 2.1 1.4 20,783 $677 1.3 2.3 $13.02 $16.92 $19,140 33% $35,200 $880 $1,595 $479 $63,800 Jackson HMFA 63,325 $13,920 Marshall County HMFA $348 $1,160 $661 $26,440 23% $46,400 $12.71 $13.15 1.8 1.0 $684 3,104 $19,260 Memphis HMFA $64,200 $1,605 $833 $33,320 27% $482 $16.02 $10.69 2.2 1.5 $556 16,401 $18,810 Pascagoula HMFA $470 $1,568 $739 $29,560 30% $62,700 $14.21 $15.33 2.0 0.9 $797 15,009 $12,900 21% $26,640 $666 $1,075 $323 $453 1.5 1.8 $8.72 1,942 $12.81 Simpson County HMFA $43,000 1.9 $13.50 $16,890 26% $28,080 $702 $1,408 $422 $56,300 Tate County HMFA 1.3 2,553 $520 $10.01 61% $725 $35,000 $263 $875 $726 $29,040 Tunica County HMFA $10,500 $13.96 $13.95 1.9 1.0 2,420 1.4 3,477 Yazoo County HMFA $38,700 $290 $968 $704 $28,160 40% $11,610 $13.54 $9.62 1.9 $500 Counties $284 $945 $747 $29,880 36% $11,340 $14.37 $9.10 2.0 1.6 $473 Adams County $37,800 4,215 Alcorn County 4,718 $46,400 $348 $1,160 $661 $26,440 32% $13,920 $12.71 $10.94 1.8 1.2 $569 Amite County 15% 0.9 1.8 $13.58 $12.75 $13,500 $706 $26,520 $663 $1,125 $338 $45,000 749 27% $427 $43,100 $323 $1,078 $661 $26,440 1,993 $12,930 $12.71 $8.21 1.8 1.5 Attala County $1,078 $26,440 16% $12,930 $12.71 $9.05 1.8 $323 $43,100 505 $661 1.4 $471 Benton County 1.0 $631 $12.14 $12.71 $11,280 47% 1.8 $661 $940 $282 $37,600 5,881 Bolivar County $26,440 $661 $1,060 $318 $42,400 1,613 Calhoun County 1.6 $412 1.8 $7.91 $12.71 $12,720 28% $26,440 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 138 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

145 /I55I55I22I FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Carroll County $398 $1,325 $661 $26,440 17% $15,900 $12.71 $7.23 1.8 1.8 $376 617 $53,000 26% $26,440 1.4 1.8 $9.03 $12.71 $11,370 $470 $661 $948 $284 $37,900 1,673 Chickasaw County 839 Choctaw County $1,190 $357 $47,600 $661 $26,440 26% $14,280 $12.71 $13.65 1.8 0.9 $710 $9,480 Claiborne County $237 $790 $676 $27,040 31% $31,600 $13.00 $17.82 1.8 0.7 $927 977 $556 1,168 $48,900 $367 $1,223 $691 $27,640 18% $14,670 $13.29 $10.69 1.8 1.2 Clarke County $12,630 31% $8.87 1.8 1.4 $461 $661 $316 $42,100 2,444 Clay County $26,440 $12.71 $1,053 $568 4,309 $36,000 $270 $900 $683 Coahoma County 47% $10,800 $13.13 $10.92 1.8 1.2 $27,320 1.6 2.3 $10.38 $16.92 $19,140 23% $35,200 $880 $1,595 $479 $63,800 2,241 Copiah County $540 $26,440 1.3 1,241 $42,700 $320 $1,068 $661 Covington County 18% $12,810 $12.71 $10.10 1.8 $525 $33,320 27% $19,260 $16.02 $10.69 2.2 1.5 $556 DeSoto County 16,401 $64,200 $482 $1,605 $833 45% $617 $58,200 $437 $1,455 $790 $31,600 12,731 $17,460 $15.19 $11.86 2.1 1.3 Forrest County $526 Franklin County 773 $55,200 $414 $1,380 $661 $26,440 25% $16,560 $12.71 $10.11 1.8 1.3 $781 1.8 2.1 $8.30 $15.02 $18,210 14% $31,240 $1,518 $455 $60,700 1,044 George County $431 17% $509 $57,000 $428 $1,425 $661 $26,440 698 $17,100 $12.71 $9.78 1.8 1.3 Greene County 29% Grenada County 2,184 $48,800 $366 $1,220 $661 $542 1.2 1.8 $10.43 $12.71 $14,640 $26,440 $771 $30,840 27% $15,600 $14.83 $13.26 2.0 1.1 $690 Hancock County 5,112 $52,000 $390 $1,300 33,735 Harrison County $390 $1,300 $771 $30,840 44% $15,600 $14.83 $12.04 2.0 1.2 $626 $52,000 $16.92 36,434 $1,595 $880 $35,200 41% $19,140 $479 $13.04 2.3 1.3 $678 Hinds County $63,800 2,388 $27,500 $206 $688 $661 $26,440 38% Holmes County $12.71 $8.85 1.8 1.4 $460 $8,250 Humphreys County $31,300 $235 $783 $664 $26,560 1,326 $9,390 $12.77 $8.82 1.8 1.4 $459 43% $546 $661 $9,060 $12.71 $10.51 1.8 Issaquena County 47% $26,440 1.2 $755 $227 $30,200 223 25% Itawamba County $48,500 $364 $1,213 $661 $26,440 2,172 $14,550 $12.71 $14.52 1.8 0.9 $755 0.9 $797 2.0 $15.33 $14.21 $18,810 30% Jackson County $739 $1,568 $470 $62,700 15,009 $29,560 $510 1,124 $43,200 $324 $1,080 $744 Jasper County 17% $12,960 $14.31 $9.81 2.0 1.5 $29,760 $8,370 41% $26,440 $661 $698 $209 $27,900 1,013 Jefferson County 1.5 $8.55 $12.71 1.8 $444 $669 $26,760 23% $9,900 $12.87 $10.01 1.8 1.3 $520 Jefferson Davis County 1,116 $33,000 $248 $825 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 139 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

146 /I55I55I22I FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Jones County $331 $1,103 $760 $30,400 27% $13,230 $14.62 $10.91 2.0 1.3 $568 6,731 $44,100 22% $26,440 0.8 1.8 $16.39 $12.71 $12,030 $853 $661 $1,003 $301 $40,100 764 Kemper County 7,874 Lafayette County $1,645 $494 $65,800 $883 $35,320 42% $19,740 $16.98 $9.19 2.3 1.8 $478 $17,460 Lamar County $437 $1,455 $790 $31,600 33% $58,200 $15.19 $9.51 2.1 1.6 $495 7,246 $560 10,527 $46,400 $348 $1,160 $765 $30,600 35% $13,920 $14.71 $10.77 2.0 1.4 Lauderdale County $13,770 21% $11.48 1.9 1.2 $597 $722 $344 $45,900 1,012 Lawrence County $28,880 $13.88 $1,148 $428 2,153 $42,600 $320 $1,065 $661 Leake County 26% $12,780 $12.71 $8.23 1.8 1.5 $26,440 1.4 1.9 $9.95 $14.12 $16,800 32% $29,360 $734 $1,400 $420 $56,000 10,561 Lee County $517 $26,440 1.5 5,272 $31,000 $233 $775 $661 Leflore County 49% $9,300 $12.71 $8.65 1.8 $450 $26,440 26% $12,990 $12.71 $11.13 1.8 1.1 $579 Lincoln County 3,332 $43,300 $325 $1,083 $661 39% $612 $52,700 $395 $1,318 $684 $27,360 8,852 $15,810 $13.15 $11.78 1.8 1.1 Lowndes County $699 Madison County 10,683 $63,800 $479 $1,595 $880 $35,200 29% $19,140 $16.92 $13.44 2.3 1.3 $661 1.2 1.8 $10.99 $12.71 $12,690 24% $26,440 $1,058 $317 $42,300 2,279 Marion County $571 23% $684 $46,400 $348 $1,160 $661 $26,440 3,104 $13,920 $12.71 $13.15 1.8 1.0 Marshall County 24% Monroe County 3,387 $49,500 $371 $1,238 $661 $522 1.3 1.8 $10.05 $12.71 $14,850 $26,440 $661 $26,440 23% $12,000 $12.71 $7.26 1.8 1.8 $377 Montgomery County 991 $40,000 $300 $1,000 2,964 Neshoba County $357 $1,190 $661 $26,440 28% $14,280 $12.71 $12.86 1.8 1.0 $669 $47,600 $13.19 1,849 $1,173 $686 $27,440 23% $14,070 $352 $8.38 1.8 1.6 $436 Newton County $46,900 1,165 $42,200 $317 $1,055 $661 $26,440 29% Noxubee County $12.71 $7.12 1.8 1.8 $370 $12,660 Oktibbeha County $54,400 $408 $1,360 $817 $32,680 8,197 $16,320 $15.71 $8.27 2.2 1.9 $430 48% $601 $661 $14,160 $12.71 $11.56 1.8 Panola County 27% $26,440 1.1 $1,180 $354 $47,200 3,264 23% Pearl River County $53,200 $399 $1,330 $768 $30,720 4,751 $15,960 $14.77 $10.63 2.0 1.4 $553 1.1 $739 2.1 $14.21 $15.19 $17,460 18% Perry County $790 $1,455 $437 $58,200 806 $31,600 $434 4,694 $42,800 $321 $1,070 $693 Pike County 32% $12,840 $13.33 $8.35 1.8 1.6 $27,720 $16,470 27% $27,040 $676 $1,373 $412 $54,900 2,914 Pontotoc County 1.1 $11.39 $13.00 1.8 $592 $661 $26,440 28% $13,230 $12.71 $9.37 1.8 1.4 $487 Prentiss County 2,693 $44,100 $331 $1,103 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 140 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

147 /I55I55I22I FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Quitman County $257 $858 $661 $26,440 34% $10,290 $12.71 $10.73 1.8 1.2 $558 1,022 $34,300 $35,200 $880 $1,595 $479 $63,800 13,967 Rankin County 26% $19,140 $16.92 $12.86 2.3 1.3 $669 Scott County 28% 1.2 1.8 $10.78 $12.71 $11,550 $560 $26,440 $661 $963 $289 $38,500 2,736 42% $605 $42,000 $315 $1,050 $661 $26,440 761 $12,600 $12.71 $11.64 1.8 1.1 Sharkey County Simpson County $453 1.5 1.8 $8.72 $12.81 $12,900 21% $26,640 $666 $1,075 $323 $43,000 1,942 $14,970 $26,440 Smith County 1,350 $49,900 $374 $1,248 $12.71 $12.75 1.8 1.0 $663 $661 23% $52,800 $13.52 1,303 $577 1.2 1.9 $11.10 Stone County $15,840 22% $28,120 $703 $1,320 $396 $507 3,689 Sunflower County 1.3 1.8 $9.75 $12.71 $33,300 $9,990 43% $26,440 $661 $833 $250 $13,050 Tallahatchie County $43,500 $1,088 $661 $26,440 24% $326 $12.71 $8.60 1.8 1.5 $447 1,043 $28,080 26% $16,890 $13.50 $10.01 1.9 1.3 $520 Tate County 2,553 $56,300 $422 $1,408 $702 $26,880 $578 2,057 $46,700 $350 $1,168 $672 Tippah County 24% $14,010 $12.92 $11.12 1.8 1.2 1.3 $490 Tishomingo County 1,941 $45,000 $338 $1,125 $661 $26,440 25% $13,500 $12.71 $9.43 1.8 61% $725 $35,000 $263 $875 $726 $29,040 2,420 $10,500 $13.96 $13.95 1.9 1.0 Tunica County 0.9 Union County 2,916 $45,200 $339 $1,130 $661 $26,440 28% $13,560 $12.71 $14.12 1.8 $734 $661 $26,440 15% $13,470 $12.71 $5.24 1.8 2.4 $272 Walthall County 853 $44,900 $337 $1,123 $16,410 Warren County $410 $1,368 $717 $28,680 37% $54,700 $13.79 $9.13 1.9 1.5 $475 6,816 44% 8,049 $37,400 $281 $935 $661 $26,440 $535 $11,220 $12.71 $10.30 1.8 1.2 Washington County 18% Wayne County $47,000 $353 $1,175 $661 $26,440 1,375 $14,100 $12.71 $9.50 1.8 1.3 $494 27% Webster County $327 2.0 1.8 $6.29 $12.71 $14,850 $26,440 $661 $1,238 $371 $49,500 1,081 Wilkinson County $13.23 $9.84 1.8 1.3 $512 $688 $27,520 19% $11,820 $985 $296 $39,400 560 32% Winston County $42,400 $318 $1,060 $661 $26,440 2,446 $12,720 $12.71 $11.20 1.8 1.1 $582 $492 1.3 1.8 $9.46 $12.71 $14,370 26% Yalobusha County $661 $1,198 $359 $47,900 1,316 $26,440 $500 Yazoo County 3,477 $38,700 $290 $968 1.4 $28,160 40% $11,610 $13.54 $9.62 1.9 $704 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 141 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

148 S TAT E S TAT E * RANKING RANKING 41 # MISSOURI In Missouri , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.46 . In order to afford this level of rent and utilities — without paying more $804 PER HOUR than 30% of income on housing — a household must earn $2,679 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,148 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MISSOURI: STATE FACTS 79 62 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.85 (at FMR) Rental Home (at FMR) Rental Home $14.14 Average Renter Wage 2-Bedroom Housing Wage $15.46 2 1.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 787,627 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 33% Two bedroom FMR $804 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $632 Rent affordable at St. Louis HMFA $17.23 $1,711 area median income (AMI) Rent affordable with full-time job paying $735 Kansas City HMFA $16.71 mean renter wage Rent affordable at 30% of AMI $513 Pulaski County $15.62 Rent affordable with full-time job $408 paying minimum wage $14.87 Joplin MSA Rent affordable to SSI recipient $225 S pringfield HMFA $14.62 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 142

149 MISSOURI FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Missouri 787,627 $15.46 1.1 $32,148 $804 $1,711 $14.14 $513 $20,533 33% $68,442 $735 2.0 Combined Nonmetro Areas $386 183,074 $1,285 $12.86 $9.80 1.6 1.3 $509 $669 $51,401 $15,420 31% $26,752 Metropolitan Areas $641 29% $16,950 $12.33 $10.26 1.6 1.2 $533 1,942 $424 Bates County HMFA $56,500 $1,413 $25,640 $26,720 $1,538 $12.85 $13.95 1.6 0.9 $725 4,477 $461 $61,500 Callaway County HMFA 28% $668 $18,450 11,426 $28,120 $13.52 $11.13 1.7 1.2 $579 $19,380 $703 $1,615 $485 $64,600 Cape Girardeau MSA 33% $30,360 45% $22,920 $14.60 $10.22 1.9 1.4 Columbia MSA 30,784 $76,400 $573 $1,910 $759 $531 $657 27% $13,350 $12.63 $7.19 1.6 1.8 $374 1,663 Dallas County HMFA $44,500 $334 $1,113 $26,280 $572 $25,760 $23,850 $12.38 $11.00 1.6 1.1 30% 10,416 $1,988 $596 $79,500 Jefferson City HMFA $644 $773 $30,920 34% $17,010 $14.87 $12.87 1.9 1.2 $669 22,719 Joplin MSA $56,700 $425 $1,418 $869 $600 $24,000 $16.71 $15.77 2.1 1.1 $820 172,860 $2,000 $80,000 Kansas City HMFA $34,760 36% $25,640 $1,160 $12.33 $11.29 1.6 1.1 $587 2,325 $348 $46,400 McDonald County HMFA 28% $641 $13,920 1,431 $25,640 $12.33 $7.78 1.6 1.6 $405 $18,780 $641 $1,565 $470 $62,600 Moniteau County HMFA 26% $26,000 34% $15,720 $12.50 $8.54 1.6 1.5 Polk County HMFA 4,007 $52,400 $393 $1,310 $650 $444 $760 38% $18,000 $14.62 $12.42 1.9 1.2 $646 61,348 Springfield HMFA $60,000 $450 $1,500 $30,400 $629 $29,560 $19,290 $14.21 $12.10 1.8 1.2 35% 15,300 $1,608 $482 $64,300 St. Joseph MSA $739 $896 $35,840 32% $23,040 $17.23 $16.21 2.2 1.1 $843 263,855 St. Louis HMFA $76,800 $576 $1,920 Counties Adair County $61,000 $458 $1,525 $641 $25,640 3,875 $18,300 $12.33 $5.91 1.6 2.1 $307 41% Andrew County 1,568 $64,300 $482 $1,608 $739 $29,560 23% $19,290 $14.21 $10.27 1.8 1.4 $534 $18,180 Atchison County $455 $1,515 $641 $25,640 31% $60,600 $12.33 $11.99 1.6 1.0 $624 765 $586 2,910 $56,500 $424 $1,413 $680 $27,200 31% $16,950 $13.08 $11.28 1.7 1.2 Audrain County Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 143 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

150 MISSOURI FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Barry County $386 $1,288 $641 $25,640 25% $15,450 $12.33 $12.45 1.6 1.0 $647 3,329 $51,500 32% $25,640 1.4 1.6 $8.91 $12.33 $14,640 $463 $641 $1,220 $366 $48,800 1,551 Barton County 1,942 Bates County $1,413 $424 $56,500 $641 $25,640 29% $16,950 $12.33 $10.26 1.6 1.2 $533 $13,140 Benton County $329 $1,095 $653 $26,120 18% $43,800 $12.56 $7.59 1.6 1.7 $395 1,496 $401 915 $64,600 $485 $1,615 $703 $28,120 19% $19,380 $13.52 $7.71 1.7 1.8 Bollinger County $22,920 45% $10.22 1.9 1.4 $531 $759 $573 $76,400 30,784 Boone County $30,360 $14.60 $1,910 $636 12,336 $64,300 $482 $1,608 $739 Buchanan County 37% $19,290 $14.21 $12.23 1.8 1.2 $29,560 1.3 1.7 $10.03 $12.98 $14,040 36% $27,000 $675 $1,170 $351 $46,800 5,990 Butler County $522 $34,760 1.9 938 $80,000 $600 $2,000 $869 Caldwell County 25% $24,000 $16.71 $8.66 2.1 $450 $26,720 28% $18,450 $12.85 $13.95 1.6 0.9 $725 Callaway County 4,477 $61,500 $461 $1,538 $668 22% $430 $55,500 $416 $1,388 $677 $27,080 3,666 $16,650 $13.02 $8.28 1.7 1.6 Camden County $586 Cape Girardeau County 10,511 $64,600 $485 $1,615 $703 $28,120 35% $19,380 $13.52 $11.26 1.7 1.2 $641 1.6 1.6 $7.52 $12.33 $17,670 26% $25,640 $1,473 $442 $58,900 947 Carroll County $391 30% $329 $48,600 $365 $1,215 $643 $25,720 742 $14,580 $12.37 $6.33 1.6 2.0 Carter County 25% Cass County 9,426 $80,000 $600 $2,000 $869 $499 1.7 2.1 $9.60 $16.71 $24,000 $34,760 $645 $25,800 32% $12,750 $12.40 $7.93 1.6 1.6 $412 Cedar County 1,869 $42,500 $319 $1,063 $53,100 681 $1,328 $641 $25,640 23% $15,930 $12.33 $8.84 1.6 1.4 $460 Chariton County $398 $8.95 $60,000 $760 $30,400 27% $18,000 $14.62 $1,500 1.9 1.6 $466 8,048 $450 Christian County $58,500 $439 $1,463 $641 $25,640 25% $17,550 Clark County $8.72 1.6 1.4 $454 700 $12.33 26,634 $600 $2,000 $869 $34,760 30% $80,000 $16.71 $14.51 2.1 1.2 $755 Clay County $24,000 $555 $869 $24,000 $16.71 $10.68 Clinton County 2,126 26% $34,760 2.1 1.6 $2,000 $600 $80,000 32% Cole County $79,500 $596 $1,988 $644 $25,760 9,535 $23,850 $12.38 $11.23 1.6 1.1 $584 1.3 $499 1.6 $9.59 $12.33 $18,210 29% Cooper County $641 $1,518 $455 $60,700 1,924 $25,640 $559 2,569 $48,000 $360 $1,200 $655 Crawford County 28% $14,400 $12.60 $10.75 1.6 1.2 $26,200 $14,490 23% $25,640 $641 $1,208 $362 $48,300 698 Dade County 1.3 $9.51 $12.33 1.6 $494 $657 $26,280 27% $13,350 $12.63 $7.19 1.6 1.8 $374 Dallas County 1,663 $44,500 $334 $1,113 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 144

151 MISSOURI FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Daviess County $398 $1,328 $641 $25,640 22% $15,930 $12.33 $8.16 1.6 1.5 $424 665 $53,100 37% $29,560 1.3 1.8 $11.04 $14.21 $19,290 $574 $739 $1,608 $482 $64,300 1,396 DeKalb County 1,683 Dent County $1,150 $345 $46,000 $641 $25,640 29% $13,800 $12.33 $6.93 1.6 1.8 $360 $11,910 Douglas County $298 $993 $641 $25,640 22% $39,700 $12.33 $7.76 1.6 1.6 $403 1,141 $410 4,731 $40,500 $304 $1,013 $641 $25,640 37% $12,150 $12.33 $7.88 1.6 1.6 Dunklin County $23,040 27% $11.68 2.2 1.5 $607 $896 $576 $76,800 10,896 Franklin County $35,840 $17.23 $1,920 $388 1,566 $58,700 $440 $1,468 $641 Gasconade County 25% $17,610 $12.33 $7.47 1.6 1.7 $25,640 1.3 1.6 $9.69 $12.33 $16,440 26% $25,640 $641 $1,370 $411 $54,800 697 Gentry County $504 $30,400 1.1 49,676 $60,000 $450 $1,500 $760 Greene County 42% $18,000 $14.62 $12.86 1.9 $669 $25,640 31% $15,840 $12.33 $8.37 1.6 1.5 $435 Grundy County 1,270 $52,800 $396 $1,320 $641 29% $352 $52,100 $391 $1,303 $667 $26,680 1,033 $15,630 $12.83 $6.77 1.6 1.9 Harrison County $568 Henry County 2,360 $55,700 $418 $1,393 $700 $28,000 25% $16,710 $13.46 $10.92 1.7 1.2 $641 1.8 1.6 $6.71 $12.33 $12,420 19% $25,640 $1,035 $311 $41,400 759 Hickory County $349 30% $569 $57,400 $431 $1,435 $641 $25,640 640 $17,220 $12.33 $10.95 1.6 1.1 Holt County 24% Howard County 913 $61,000 $458 $1,525 $686 $378 1.8 1.7 $7.28 $13.19 $18,300 $27,440 $641 $25,640 30% $13,590 $12.33 $10.46 1.6 1.2 $544 Howell County 4,938 $45,300 $340 $1,133 $46,800 1,236 $1,170 $641 $25,640 31% $14,040 $12.33 $11.64 1.6 1.1 $605 Iron County $351 $17.18 $80,000 $869 $34,760 42% $24,000 $16.71 $2,000 2.1 1.0 $893 115,007 $600 Jackson County $56,700 $425 $1,418 $773 $30,920 36% $17,010 Jasper County $13.26 1.9 1.1 $690 16,271 $14.87 16,102 $576 $1,920 $896 $35,840 20% $76,800 $17.23 $9.72 2.2 1.8 $505 Jefferson County $23,040 $468 $714 $19,350 $13.73 $9.00 Johnson County 8,090 41% $28,560 1.7 1.5 $1,613 $484 $64,500 24% Knox County $53,000 $398 $1,325 $641 $25,640 392 $15,900 $12.33 $9.16 1.6 1.3 $476 1.3 $476 1.6 $9.16 $12.33 $14,550 32% Laclede County $641 $1,213 $364 $48,500 4,399 $25,640 $463 3,446 $80,000 $600 $2,000 $869 Lafayette County 26% $24,000 $16.71 $8.91 2.1 1.9 $34,760 $15,150 28% $25,640 $641 $1,263 $379 $50,500 4,062 Lawrence County 1.0 $12.00 $12.33 1.6 $624 $641 $25,640 28% $17,100 $12.33 $9.98 1.6 1.2 $519 Lewis County 1,049 $57,000 $428 $1,425 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 145

152 MISSOURI FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lincoln County $576 $1,920 $896 $35,840 24% $23,040 $17.23 $10.11 2.2 1.7 $526 4,333 $76,800 27% $25,640 1.4 1.6 $9.00 $12.33 $14,760 $468 $641 $1,230 $369 $49,200 1,311 Linn County 1,847 Livingston County $1,465 $440 $58,600 $645 $25,800 32% $17,580 $12.40 $9.45 1.6 1.3 $492 $13,920 McDonald County $348 $1,160 $641 $25,640 28% $46,400 $12.33 $11.29 1.6 1.1 $587 2,325 $492 1,596 $52,100 $391 $1,303 $641 $25,640 26% $15,630 $12.33 $9.46 1.6 1.3 Macon County $13,710 25% $8.23 1.7 1.6 $428 $680 $343 $45,700 1,192 Madison County $27,200 $13.08 $1,143 $535 939 $55,600 $417 $1,390 $641 Maries County 26% $16,680 $12.33 $10.30 1.6 1.2 $25,640 1.1 1.6 $11.63 $12.54 $16,350 35% $26,080 $652 $1,363 $409 $54,500 3,917 Marion County $605 $25,640 1.1 361 $53,500 $401 $1,338 $641 Mercer County 25% $16,050 $12.33 $10.76 1.6 $560 $26,840 24% $14,580 $12.90 $9.79 1.6 1.3 $509 Miller County 2,287 $48,600 $365 $1,215 $671 41% $551 $36,500 $274 $913 $672 $26,880 2,107 $10,950 $12.92 $10.59 1.6 1.2 Mississippi County $405 Moniteau County 1,431 $62,600 $470 $1,565 $641 $25,640 26% $18,780 $12.33 $7.78 1.6 1.6 $641 1.3 1.6 $9.55 $12.33 $17,370 27% $25,640 $1,448 $434 $57,900 940 Monroe County $497 27% $467 $52,600 $395 $1,315 $646 $25,840 1,331 $15,780 $12.42 $8.99 1.6 1.4 Montgomery County 25% Morgan County 1,971 $48,100 $361 $1,203 $674 $563 1.2 1.7 $10.84 $12.96 $14,430 $26,960 $641 $25,640 39% $13,290 $12.33 $11.53 1.6 1.1 $599 New Madrid County 2,883 $44,300 $332 $1,108 $56,700 6,448 $1,418 $773 $30,920 29% $17,010 $14.87 $11.39 1.9 1.3 $592 Newton County $425 $8.93 $55,400 $681 $27,240 44% $16,620 $13.10 $1,385 1.7 1.5 $464 3,762 $416 Nodaway County $43,100 $323 $1,078 $641 $25,640 23% $12,930 Oregon County $5.37 1.6 2.3 $279 1,008 $12.33 881 $596 $1,988 $644 $25,760 17% $79,500 $12.38 $8.26 1.6 1.5 $430 Osage County $23,850 $307 $641 $12,240 $12.33 $5.90 Ozark County 988 23% $25,640 1.6 2.1 $1,020 $306 $40,800 47% Pemiscot County $39,000 $293 $975 $641 $25,640 3,236 $11,700 $12.33 $9.64 1.6 1.3 $502 1.3 $517 1.6 $9.94 $12.88 $19,620 22% Perry County $670 $1,635 $491 $65,400 1,636 $26,800 $556 5,298 $52,900 $397 $1,323 $721 Pettis County 33% $15,870 $13.87 $10.69 1.8 1.3 $28,840 $16,860 40% $28,120 $703 $1,405 $422 $56,200 6,675 Phelps County 1.3 $10.25 $13.52 1.7 $533 $641 $25,640 28% $16,680 $12.33 $11.22 1.6 1.1 $583 Pike County 1,832 $55,600 $417 $1,390 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 146

153 MISSOURI FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Platte County $600 $2,000 $869 $34,760 35% $24,000 $16.71 $12.98 2.1 1.3 $675 13,342 $80,000 34% $26,000 1.5 1.6 $8.54 $12.50 $15,720 $444 $650 $1,310 $393 $52,400 4,007 Polk County 7,781 Pulaski County $1,435 $431 $57,400 $812 $32,480 51% $17,220 $15.62 $10.76 2.0 1.5 $559 $13,920 Putnam County $348 $1,160 $641 $25,640 27% $46,400 $12.33 $7.82 1.6 1.6 $407 580 $666 714 $58,000 $435 $1,450 $697 $27,880 18% $17,400 $13.40 $12.80 1.7 1.0 Ralls County $15,930 26% $9.06 1.6 1.4 $471 $643 $398 $53,100 2,214 Randolph County $25,720 $12.37 $1,328 $491 1,941 $80,000 $600 $2,000 $869 Ray County 22% $24,000 $16.71 $9.44 2.1 1.8 $34,760 1.9 1.6 $6.52 $12.33 $14,370 20% $25,640 $641 $1,198 $359 $47,900 530 Reynolds County $339 $25,640 2.0 1,317 $41,800 $314 $1,045 $641 Ripley County 25% $12,540 $12.33 $6.28 1.6 $326 $35,840 20% $23,040 $17.23 $12.72 2.2 1.4 $662 St. Charles County 28,666 $76,800 $576 $1,920 $896 23% $424 $45,100 $338 $1,128 $641 $25,640 916 $13,530 $12.33 $8.15 1.6 1.5 St. Clair County $585 Ste. Genevieve County 1,554 $62,400 $468 $1,560 $663 $26,520 22% $18,720 $12.75 $11.25 1.6 1.1 $641 1.4 1.6 $8.70 $12.33 $16,170 32% $25,640 $1,348 $404 $53,900 7,949 St. Francois County $453 30% $864 $76,800 $576 $1,920 $896 $35,840 121,727 $23,040 $17.23 $16.62 2.2 1.0 St. Louis County 33% Saline County 2,866 $51,400 $386 $1,285 $662 $544 1.2 1.6 $10.47 $12.73 $15,420 $26,480 $641 $25,640 30% $14,400 $12.33 $8.38 1.6 1.5 $436 Schuyler County 513 $48,000 $360 $1,200 $52,000 463 $1,300 $641 $25,640 26% $15,600 $12.33 $6.17 1.6 2.0 $321 Scotland County $390 $10.46 $49,600 $641 $25,640 31% $14,880 $12.33 $1,240 1.6 1.2 $544 4,743 $372 Scott County $49,500 $371 $1,238 $641 $25,640 25% $14,850 Shannon County $7.19 1.6 1.7 $374 782 $12.33 676 $413 $1,375 $641 $25,640 27% $55,000 $12.33 $10.35 1.6 1.2 $538 Shelby County $16,500 $569 $641 $15,540 $12.33 $10.94 Stoddard County 3,660 31% $25,640 1.6 1.1 $1,295 $389 $51,800 21% Stone County $53,300 $400 $1,333 $687 $27,480 2,682 $15,990 $13.21 $10.06 1.7 1.3 $523 1.0 $683 1.7 $13.14 $13.56 $15,120 26% Sullivan County $705 $1,260 $378 $50,400 622 $28,200 $569 9,104 $48,800 $366 $1,220 $713 Taney County 42% $14,640 $13.71 $10.94 1.7 1.3 $28,520 $14,790 28% $25,640 $641 $1,233 $370 $49,300 2,570 Texas County 1.7 $7.09 $12.33 1.6 $369 $695 $27,800 34% $15,390 $13.37 $11.13 1.7 1.2 $579 Vernon County 2,809 $51,300 $385 $1,283 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 147

154 MISSOURI HOUSING COSTS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Warren County $576 $1,920 $896 $35,840 22% $23,040 $17.23 $9.27 2.2 1.9 $76,800 $482 2,616 18% Washington County $43,300 $325 $1,083 $641 $25,640 1,645 $12,990 $12.33 $6.86 1.6 1.8 $357 $323 Wayne County 1,317 $42,500 $319 $1,063 $641 $25,640 23% $12,750 $12.33 $6.22 1.6 2.0 $18,000 $760 $60,000 $450 $1,500 $30,400 28% 3,624 $14.62 $9.32 1.9 1.6 $485 Webster County $403 239 $57,100 $428 $1,428 $641 $25,640 26% $17,130 $12.33 $7.74 1.6 1.6 Worth County 1.3 $487 $641 $998 $39,900 32% 2,375 Wright County $25,640 $11,970 $12.33 $9.37 1.6 $299 $896 $35,840 57% $23,040 $17.23 $19.93 2.2 0.9 $1,036 St. Louis city 79,515 $76,800 $576 $1,920 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 148

155 S TAT E S TAT E * RANKING RANKING 35 # MONTANA In Montana , the Fair Market Rent (FMR) for a two-bedroom apartment is $16.13 . In order to afford this level of rent and utilities — without paying more $839 PER HOUR than 30% of income on housing — a household must earn $2,795 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $33,545 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT MONTANA: STATE FACTS 78 61 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $8.30 (at FMR) Rental Home (at FMR) Rental Home $12.23 Average Renter Wage 2-Bedroom Housing Wage $16.13 1.9 1.5 Number of Full-Time Jobs At Number of Full-Time Jobs At 135,346 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 33% Two bedroom FMR $839 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $657 Rent affordable at Billings HMFA $18.00 $1,646 area median income (AMI) Rent affordable with full-time job paying $636 Golden Valley County HMFA $17.98 mean renter wage Rent affordable at 30% of AMI $494 Gallatin County $17.85 Rent affordable with full-time job $432 paying minimum wage $17.79 Missoula MSA Rent affordable to SSI recipient $225 J efferson County $17.37 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 149

156 /1N6ANA AREA MEDIAN INCOME (AMI) RENTERS HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Montana 1.9 135,346 $494 $636 1.3 $12.23 $16.13 33% $33,545 $19,752 $839 $1,646 $65,839 Combined Nonmetro Areas $481 82,308 $1,602 $15.49 $11.91 1.9 1.3 $619 $806 $64,086 $19,226 $32,228 31% Metropolitan Areas $21,360 $71,200 $534 $1,780 $936 $37,440 32% $18.00 $13.91 2.2 1.3 $723 21,060 Billings HMFA $46,900 $352 $1,173 $935 $37,400 27% $14,070 $17.98 89 $14.02 2.2 1.3 $729 Golden Valley County HMFA 1.7 $30,200 $755 $1,570 $471 $62,800 $18,840 1.3 $602 12,375 $11.59 36% $14.52 Great Falls MSA 19,514 $597 1.5 $70,400 $528 $1,760 $925 $37,000 41% $21,120 $17.79 $11.49 2.1 Missoula MSA Counties $27,880 1,478 $498 $66,400 $1,660 $697 Beaverhead County 37% $19,920 $13.40 $10.09 1.6 1.3 $525 $14.42 Big Horn County 1,405 $50,300 $377 $1,258 $750 $30,000 39% $15,090 $15.21 1.7 0.9 $791 $27,880 $13,740 1.4 1.6 $9.72 $13.40 39% $505 $697 $1,145 $344 $45,800 889 Blaine County $16,830 $56,100 461 Broadwater County $15.46 19% $32,160 $804 $1,403 $11.78 1.9 1.3 $612 $421 $37,440 $21,360 $18.00 $1,780 $534 22% $71,200 966 Carbon County $10.42 2.2 $936 1.7 $542 19% Carter County $65,600 $492 $1,640 $697 $27,880 102 $19,680 $13.40 $11.57 1.6 1.2 $602 $30,200 Cascade County 12,375 $62,800 $471 $1,570 $755 $602 36% $18,840 $14.52 $11.59 1.7 1.3 $697 $566 $10.88 $13.40 $15,360 37% $27,880 1.6 $1,280 $384 $51,200 842 Chouteau County 1.2 $539 1.6 $10.37 $13.40 $20,190 30% $27,880 $697 $1,683 $505 $67,300 1,480 Custer County 1.3 23% $587 $67,800 $509 $1,695 $701 $28,040 204 $20,340 $13.48 $11.28 1.6 1.2 Daniels County 1.2 Dawson County 1,288 $68,700 $515 $1,718 $697 $27,880 32% $20,610 $13.40 $11.12 1.6 $578 $13.40 $7.26 1.6 1.8 $378 Deer Lodge County 1,127 $58,100 $436 $1,453 $697 $27,880 29% $17,430 $21,030 357 $526 $1,753 $697 $27,880 30% $70,100 $13.40 $17.18 1.6 0.8 $893 Fallon County Fergus County 1,413 $54,600 $410 $1,365 $771 $30,840 29% $16,380 $14.83 $15.76 1.8 0.9 $820 $18,720 Flathead County $468 $1,560 $835 $33,400 29% $62,400 $16.06 $12.27 1.9 1.3 $638 10,903 $661 15,204 $81,200 $609 $2,030 $928 $37,120 39% $24,360 $17.85 $12.72 2.2 1.4 Gallatin County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 150 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

157 /1N6ANA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Garfield County $441 $1,470 $697 $27,880 28% $17,640 $13.40 $9.03 1.6 1.5 $470 123 $58,800 41% $27,880 1.0 1.6 $13.25 $13.40 $12,390 $689 $697 $1,033 $310 $41,300 1,718 Glacier County 89 Golden Valley County $1,173 $352 $46,900 $935 $37,400 27% $14,070 $17.98 $14.02 2.2 1.3 $729 $18,030 Granite County $451 $1,503 $756 $30,240 27% $60,100 $14.54 $8.70 1.8 1.7 $452 345 $519 2,109 $57,300 $430 $1,433 $697 $27,880 34% $17,190 $13.40 $9.99 1.6 1.3 Hill County $23,130 15% $13.16 2.1 1.3 $684 $903 $578 $77,100 691 Jefferson County $36,120 $17.37 $1,928 $665 237 $58,600 $440 $1,465 $697 Judith Basin County 26% $17,580 $13.40 $12.78 1.6 1.0 $27,880 1.2 1.7 $11.73 $14.46 $16,140 30% $30,080 $752 $1,345 $404 $53,800 3,559 Lake County $610 $35,560 1.5 8,264 $76,000 $570 $1,900 $889 Lewis and Clark County 31% $22,800 $17.10 $11.19 2.1 $582 $27,880 33% $18,720 $13.40 $7.81 1.6 1.7 $406 Liberty County 276 $62,400 $468 $1,560 $697 21% $449 $48,200 $362 $1,205 $697 $27,880 1,772 $14,460 $13.40 $8.64 1.6 1.6 Lincoln County $1,078 McCone County 131 $59,300 $445 $1,483 $697 $27,880 18% $17,790 $13.40 $20.73 1.6 0.6 $815 1.1 1.9 $13.88 $15.67 $19,200 22% $32,600 $1,600 $480 $64,000 756 Madison County $722 32% $652 $51,200 $384 $1,280 $717 $28,680 250 $15,360 $13.79 $12.54 1.7 1.1 Meagher County 30% Mineral County 479 $54,500 $409 $1,363 $697 $398 1.8 1.6 $7.65 $13.40 $16,350 $27,880 $925 $37,000 41% $21,120 $17.79 $11.49 2.1 1.5 $597 Missoula County 19,514 $70,400 $528 $1,760 $17,370 Musselshell County $434 $1,448 $824 $32,960 29% $57,900 $15.85 $16.06 1.9 1.0 $835 573 Park County 1,971 $65,400 $491 $1,635 $901 $36,040 28% $19,620 $17.33 $11.41 2.1 1.5 $593 $32,160 Petroleum County † $432 $1,440 $804 $57,600 39% $17,280 $15.46 1.9 83 Phillips County $459 $52,200 $392 $1,305 $697 $27,880 30% $15,660 $13.40 $8.83 1.6 1.5 535 $17,310 1.6 1.3 $527 Pondera County 654 $57,700 $433 $1,443 $697 $27,880 29% $13.40 $10.13 $13.52 255 $1,530 $703 $28,120 34% $18,360 $459 $11.92 1.6 1.1 $620 $61,200 Powder River County $52,600 Powell County $686 1.0 1.6 $13.18 $13.40 $15,780 31% $27,880 $697 $1,315 $395 741 $27,880 $663 1.1 1.6 $12.75 $13.40 $14,730 9% $697 $1,228 $368 $49,100 47 Prairie County Ravalli County $57,500 $431 $1,438 $781 $31,240 4,646 $17,250 $15.02 $10.61 1.8 1.4 $552 28% 1.0 $863 $1,923 $33,080 $577 37% $76,900 1,688 Richland County $827 $15.90 $16.60 1.9 $23,070 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 151 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

158 /1N6ANA AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Roosevelt County $404 $1,345 $697 $27,880 44% $16,140 $13.40 $11.35 1.6 1.2 $590 1,394 $53,800 $21,420 Rosebud County $536 $1,785 $697 $27,880 29% $71,400 $13.40 $15.18 1.6 0.9 $789 937 $509 1,227 $41,100 $308 $1,028 $697 $27,880 24% $12,330 $13.40 $9.80 1.6 1.4 Sanders County $568 Sheridan County 385 $72,800 $546 $1,820 $697 $27,880 24% $21,840 $13.40 $10.92 1.6 1.2 $783 $438 $8.43 $15.06 $16,710 34% $31,320 1.8 $1,393 $418 $55,700 5,064 Silver Bow County 1.8 21% $19.53 1.7 0.7 $1,016 $29,280 $21,750 $14.08 $1,813 $544 $72,500 792 Stillwater County $732 $31,280 $15.99 384 $67,200 $504 $1,680 $782 Sweet Grass County 27% $20,160 $15.04 1.8 0.9 $831 $633 1.2 1.8 $12.17 $14.63 $19,140 30% $30,440 $761 $1,595 $479 $63,800 718 Teton County $27,880 1.0 796 $55,200 $414 $1,380 $697 Toole County 41% $16,560 $13.40 $13.38 1.6 $696 $803 $32,120 35% $15,060 $15.44 $17.36 1.9 0.9 $903 Treasure County 130 $50,200 $377 $1,255 $18,090 1,026 $452 $1,508 $697 $27,880 31% $60,300 $13.40 $9.15 1.6 1.5 $476 Valley County Wheatland County 289 $42,900 $322 $1,073 $697 $27,880 33% $12,870 $13.40 $13.39 1.6 1.0 $696 $18,870 Wibaux County $472 $1,573 $804 $32,160 22% $62,900 $15.46 $14.86 1.9 1.0 $773 110 $729 20,094 $71,200 $534 $1,780 $936 $37,440 32% $21,360 $18.00 $14.01 2.2 1.3 Yellowstone County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 152 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

159 S TAT E S TAT E * RANKING RANKING 39 # NEBRASKA In Nebraska , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.66 . In order to afford this level of rent and utilities — without paying more $815 PER HOUR than 30% of income on housing — a household must earn $2,715 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,580 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEBRASKA: STATE FACTS 70 55 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $9.00 (at FMR) Rental Home (at FMR) Rental Home $12.57 Average Renter Wage 2-Bedroom Housing Wage $15.66 1.7 1.4 Number of Full-Time Jobs At Number of Full-Time Jobs At 251,775 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 34% Two bedroom FMR $815 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $639 Rent affordable at Omaha-Council Bluffs HMFA $17.83 $1,844 area median income (AMI) Rent affordable with full-time job paying $653 Lincoln HMFA $15.96 mean renter wage Rent affordable at 30% of AMI $553 Sioux City HMFA $15.50 Rent affordable with full-time job $468 paying minimum wage $14.90 Saunders County HMFA Rent affordable to SSI recipient $240 H all County HMFA $14.81 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 153

160 N'$4A5-A FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Nebraska $22,129 1.2 $32,580 $815 $1,844 $12.57 34% $553 $653 251,775 $73,764 $15.66 1.7 Combined Nonmetro Areas $64,915 30% $19,474 $487 82,034 $1,623 $12.99 $11.33 1.4 1.1 $589 $675 $27,015 Metropolitan Areas Hall County HMFA $59,700 8,718 $588 1.3 1.6 $11.31 $14.81 $17,910 39% $30,800 $770 $1,493 $448 Hamilton County HMFA $704 1.0 1.5 $13.55 $13.56 $21,450 19% $28,200 $705 $1,788 $536 $71,500 711 Howard County HMFA 1.7 $520 $69,300 $26,120 22% $653 $1,733 $20,790 $12.56 $7.60 1.4 577 $395 Lincoln HMFA $595 $588 $1,960 $830 $23,520 41% 48,632 $78,400 1.4 1.8 $11.43 $33,200 $15.96 Merrick County HMFA $653 $1,585 $476 $63,400 873 $643 1.0 1.4 $12.36 $12.56 $19,020 26% $26,120 Omaha-Council Bluffs HMFA $13.91 $2,040 $927 36% $24,480 $17.83 $81,600 2.0 1.3 $723 103,835 $37,080 $612 Saunders County HMFA $77,000 $14.90 1,666 $509 1.5 1.7 $9.79 $23,100 21% $31,000 $775 $1,925 $578 Seward County HMFA 28% $542 1,769 1.3 1.5 $10.42 $13.17 $23,160 $27,400 $685 $1,930 $579 $77,200 Sioux City HMFA $488 $19,530 31% $32,240 $806 $1,628 $15.50 $65,100 2,960 1.7 $13.11 $682 1.2 Counties $503 1.3 1.4 Adams County $9.67 $12.56 4,036 $21,180 32% $26,120 $653 $1,765 $530 $70,600 23% $445 1.3 1.4 $9.41 $12.56 $17,790 $489 $26,120 $653 Antelope County 632 $59,300 $1,483 $16,740 $15.50 1.7 69 Arthur County † $55,800 $1,395 $806 $32,240 $419 38% $653 $26,120 $474 $63,200 106 Banner County † 34% $18,960 $12.56 1.4 $1,580 Blaine County † $26,320 $410 $54,700 106 $1,368 42% $16,410 $12.65 1.4 $658 1.4 0.9 $690 $1,675 $503 $67,000 484 $653 $26,120 22% $20,100 $12.56 $13.26 Boone County $485 1.4 $9.32 $12.56 $20,370 31% 1.3 $653 $1,698 $509 $67,900 1,451 Box Butte County $26,120 $653 $26,120 $1,453 19% $17,430 $12.56 $11.60 1.4 $58,100 169 Boyd County 1.1 $603 $436 $14,520 410 $48,400 $363 $1,210 $704 $28,160 27% Brown County $13.54 $11.47 1.5 1.2 $596 36% $559 $75,200 $564 $1,880 $715 $28,600 6,721 $22,560 $13.75 $10.74 1.5 1.3 Buffalo County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 154 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

161 N'$4A5-A FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Burt County $489 $1,630 $669 $26,760 23% $19,560 $12.87 $10.33 1.4 1.2 $537 657 $65,200 21% $26,120 1.0 1.4 $12.44 $12.56 $20,100 $647 $653 $1,675 $503 $67,000 731 Butler County 1,777 Cass County $2,040 $612 $81,600 $927 $37,080 18% $24,480 $17.83 $10.99 2.0 1.6 $571 $21,270 Cedar County $532 $1,773 $653 $26,120 20% $70,900 $12.56 $10.56 1.4 1.2 $549 702 $538 354 $63,500 $476 $1,588 $653 $26,120 21% $19,050 $12.56 $10.34 1.4 1.2 Chase County $19,380 38% $8.09 1.4 1.6 $421 $653 $485 $64,600 1,025 Cherry County $26,120 $12.56 $1,615 $844 1,362 $75,300 $565 $1,883 $653 Cheyenne County 31% $22,590 $12.56 $16.23 1.4 0.8 $26,120 1.0 1.4 $12.59 $12.56 $19,440 23% $26,120 $653 $1,620 $486 $64,800 606 Clay County $655 $26,120 0.9 1,012 $64,200 $482 $1,605 $653 Colfax County 28% $19,260 $12.56 $13.77 1.4 $716 $26,120 31% $19,770 $12.56 $11.81 1.4 1.1 $614 Cuming County 1,189 $65,900 $494 $1,648 $653 28% $641 $59,100 $443 $1,478 $653 $26,120 1,340 $17,730 $12.56 $12.33 1.4 1.0 Custer County $699 Dakota County 2,432 $65,100 $488 $1,628 $806 $32,240 33% $19,530 $15.50 $13.43 1.7 1.2 $668 1.4 1.4 $8.93 $12.85 $19,050 38% $26,720 $1,588 $476 $63,500 1,407 Dawes County $464 33% $576 $58,800 $441 $1,470 $656 $26,240 2,865 $17,640 $12.62 $11.07 1.4 1.1 Dawson County 23% Deuel County 192 $61,700 $463 $1,543 $653 $620 1.1 1.4 $11.92 $12.56 $18,510 $26,120 $806 $32,240 23% $19,530 $15.50 $10.30 1.7 1.5 $536 Dixon County 528 $65,100 $488 $1,628 $60,900 5,166 $1,523 $732 $29,280 34% $18,270 $14.08 $12.05 1.6 1.2 $626 Dodge County $457 $14.33 $81,600 $927 $37,080 39% $24,480 $17.83 $2,040 2.0 1.2 $745 81,369 $612 Douglas County $60,300 $452 $1,508 $653 $26,120 31% $18,090 Dundy County $13.08 1.4 1.0 $680 250 $12.56 636 $496 $1,653 $653 $26,120 26% $66,100 $12.56 $12.70 1.4 1.0 $661 Fillmore County $19,830 $573 $653 $18,780 $12.56 $11.03 Franklin County 229 16% $26,120 1.4 1.1 $1,565 $470 $62,600 24% Frontier County $60,600 $455 $1,515 $653 $26,120 264 $18,180 $12.56 $12.39 1.4 1.0 $644 1.1 $596 1.4 $11.46 $12.56 $16,170 31% Furnas County $653 $1,348 $404 $53,900 693 $26,120 $578 2,818 $65,600 $492 $1,640 $653 Gage County 30% $19,680 $12.56 $11.11 1.4 1.1 $26,120 $21,030 21% $26,120 $653 $1,753 $526 $70,100 179 Garden County 1.1 $11.20 $12.56 1.4 $582 $653 $26,120 24% $16,680 $12.56 $6.27 1.4 2.0 $326 Garfield County 223 $55,600 $417 $1,390 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 155

162 N'$4A5-A FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Gosper County $510 $1,700 $653 $26,120 30% $20,400 $12.56 $18.91 1.4 0.7 $983 246 $68,000 22% $26,120 0.7 1.4 $16.83 $12.56 $15,240 $875 $653 $1,270 $381 $50,800 61 Grant County 201 Greeley County $1,378 $413 $55,100 $653 $26,120 20% $16,530 $12.56 $11.27 1.4 1.1 $586 $17,910 Hall County $448 $1,493 $770 $30,800 39% $59,700 $14.81 $11.31 1.6 1.3 $588 8,718 $704 711 $71,500 $536 $1,788 $705 $28,200 19% $21,450 $13.56 $13.55 1.5 1.0 Hamilton County $18,660 24% $6.87 1.4 1.8 $357 $653 $467 $62,200 381 Harlan County $26,120 $12.56 $1,555 $989 149 $60,600 $455 $1,515 $723 Hayes County 34% $18,180 $13.90 $19.02 1.5 0.7 $28,920 0.9 1.4 $13.63 $12.56 $16,650 25% $26,120 $653 $1,388 $416 $55,500 320 Hitchcock County $709 $26,120 1.0 1,197 $62,500 $469 $1,563 $653 Holt County 26% $18,750 $12.56 $13.22 1.4 $687 $26,120 24% $14,220 $12.56 $11.78 1.4 1.1 $613 Hooker County 71 $47,400 $356 $1,185 $653 22% $395 $69,300 $520 $1,733 $653 $26,120 577 $20,790 $12.56 $7.60 1.4 1.7 Howard County $547 Jefferson County 804 $56,900 $427 $1,423 $653 $26,120 24% $17,070 $12.56 $10.52 1.4 1.2 $653 1.3 1.4 $9.97 $12.56 $18,390 26% $26,120 $1,533 $460 $61,300 490 Johnson County $518 31% $667 $65,200 $489 $1,630 $729 $29,160 846 $19,560 $14.02 $12.83 1.6 1.1 Kearney County 34% Keith County 1,342 $61,500 $461 $1,538 $653 $512 1.3 1.4 $9.85 $12.56 $18,450 $26,120 $26,120 30% $14,910 $12.56 1.4 Keya Paha County † 100 $49,700 $373 $1,243 $653 517 Kimball County $427 $1,423 $694 $27,760 32% $17,070 $13.35 $15.33 1.5 0.9 $797 $56,900 $12.56 933 $1,553 $653 $26,120 26% $18,630 $466 $10.01 1.4 1.3 $520 Knox County $62,100 48,632 $78,400 $588 $1,960 $830 $33,200 41% Lancaster County $15.96 $11.43 1.8 1.4 $595 $23,520 Lincoln County $65,800 $494 $1,645 $682 $27,280 5,149 $19,740 $13.12 $12.02 1.5 1.1 $625 34% $592 $653 $18,660 $12.56 $11.39 1.4 Logan County 115 $62,200 $467 $1,555 33% $26,120 1.1 $26,120 Loup County † $434 $1,448 $653 $57,900 19% $17,370 $12.56 1.4 47 $1,593 64 $63,700 $478 1.4 $12.56 $19,110 33% $26,120 $653 McPherson County † $692 $1,623 $487 $19,470 4,887 Madison County $573 1.2 1.5 $11.03 $13.31 35% $27,680 $64,900 $643 873 $63,400 $476 $1,585 $653 Merrick County 26% $19,020 $12.56 $12.36 1.4 1.0 $26,120 Morrill County 1.0 1.4 $12.80 $17,370 33% $26,120 $653 $665 $1,448 $434 $57,900 653 $12.56 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 156 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

163 N'$4A5-A FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Nance County $451 $1,503 $653 $26,120 22% $18,030 $12.56 $10.51 1.4 1.2 $546 349 $60,100 29% $26,120 1.3 1.4 $9.82 $12.56 $23,100 $511 $653 $1,925 $578 $77,000 845 Nemaha County 542 Nuckolls County $1,480 $444 $59,200 $653 $26,120 27% $17,760 $12.56 $7.77 1.4 1.6 $404 $20,490 Otoe County $512 $1,708 $657 $26,280 26% $68,300 $12.63 $10.10 1.4 1.3 $525 1,703 $406 286 $60,800 $456 $1,520 $653 $26,120 23% $18,240 $12.56 $7.81 1.4 1.6 Pawnee County $20,850 24% $10.65 1.4 1.2 $554 $653 $521 $69,500 294 Perkins County $26,120 $12.56 $1,738 $638 1,146 $69,700 $523 $1,743 $653 Phelps County 30% $20,910 $12.56 $12.28 1.4 1.0 $26,120 1.2 1.4 $10.73 $12.56 $20,760 21% $26,120 $653 $1,730 $519 $69,200 606 Pierce County $558 $27,920 1.0 3,598 $71,100 $533 $1,778 $698 Platte County 28% $21,330 $13.42 $12.85 1.5 $668 $26,120 22% $22,680 $12.56 $10.35 1.4 1.2 $538 Polk County 462 $75,600 $567 $1,890 $653 24% $458 $60,400 $453 $1,510 $653 $26,120 1,080 $18,120 $12.56 $8.81 1.4 1.4 Red Willow County $550 Richardson County 942 $62,900 $472 $1,573 $653 $26,120 25% $18,870 $12.56 $10.58 1.4 1.2 $653 0.8 1.4 $15.02 $12.56 $19,020 28% $26,120 $1,585 $476 $63,400 197 Rock County $781 35% $659 $62,700 $470 $1,568 $764 $30,560 1,804 $18,810 $14.69 $12.68 1.6 1.2 Saline County 30% Sarpy County 18,946 $81,600 $612 $2,040 $927 $636 1.5 2.0 $12.23 $17.83 $24,480 $37,080 $775 $31,000 21% $23,100 $14.90 $9.79 1.7 1.5 $509 Saunders County 1,666 $77,000 $578 $1,925 Scotts Bluff County 4,604 $431 $1,438 $682 $27,280 32% $17,250 $13.12 $11.56 1.5 1.1 $601 $57,500 $23,160 Seward County $579 $1,930 $685 $27,400 28% $77,200 $13.17 $10.42 1.5 1.3 $542 1,769 Sheridan County 639 $55,500 $416 $1,388 $653 $26,120 29% $16,650 $12.56 $10.71 1.4 1.2 $557 23% Sherman County $62,400 $468 $1,560 $653 $26,120 316 $18,720 $12.56 $13.50 1.4 0.9 $702 1.4 $653 $16,500 $12.56 Sioux County † 155 $55,000 $413 $1,375 $26,120 28% $12.56 364 $1,600 $653 $26,120 16% $19,200 $480 $22.18 1.4 0.6 $1,153 $64,000 Stanton County $62,600 Thayer County $721 0.9 1.4 $13.87 $12.56 $18,780 23% $26,120 $653 $1,565 $470 543 $26,120 $423 1.5 1.4 $8.13 $12.56 $20,340 29% $653 $1,695 $509 $67,800 87 Thomas County Thurston County $49,800 $374 $1,245 $653 $26,120 825 $14,940 $12.56 $12.33 1.4 1.0 $641 39% 1.4 $453 $1,570 $26,120 $471 29% $62,800 563 Valley County $653 $12.56 $8.70 1.4 $18,840 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 157 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

164 N'$4A5-A AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS HOUSING COSTS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $17.83 $11.69 2.0 1.5 $608 Washington County $81,600 $612 $2,040 $927 $37,080 22% 1,743 $24,480 $22,950 1,326 $574 $1,913 $653 $26,120 37% $76,500 $12.56 $7.44 1.4 1.7 $387 Wayne County Webster County 335 $57,600 $432 $1,440 $653 $26,120 22% $17,280 $12.56 $8.81 1.4 1.4 $458 $17,370 Wheeler County $434 $1,448 $653 $26,120 25% $57,900 $12.56 $18.18 1.4 0.7 $945 93 $481 1,673 $69,300 $520 $1,733 $653 $26,120 30% $20,790 $12.56 $9.25 1.4 1.4 York County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 158 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

165 S TAT E S TAT E * RANKING RANKING 24 # NEVADA In Nevada , the Fair Market Rent (FMR) for a two-bedroom apartment is $18.59 . In order to afford this level of rent and utilities — without paying more $966 PER HOUR than 30% of income on housing — a household must earn $3,222 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $38,660 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEVADA: STATE FACTS 90 72 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $8.25 (at FMR) Rental Home (at FMR) Rental Home $16.84 Average Renter Wage 2-Bedroom Housing Wage $18.59 2.3 1.8 Number of Full-Time Jobs At Number of Full-Time Jobs At 465,914 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 45% Two bedroom FMR $966 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $772 Rent affordable at Lander County $19.98 $1,656 area median income (AMI) Rent affordable with full-time job paying $876 Douglas County $19.50 mean renter wage Rent affordable at 30% of AMI $497 Reno MSA $18.79 Rent affordable with full-time job $429 paying minimum wage $18.71 Las Vegas-Henderson-Paradise MSA Rent affordable to SSI recipient $236 H umboldt County $18.15 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 159

166 NEVADA RENTERS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Nevada $18.59 $497 $876 $19,871 1.1 $16.84 465,914 45% $38,660 $966 $1,656 2.3 $66,237 Combined Nonmetro Areas $490 31,827 $1,634 $17.03 2.1 1.0 $886 $36,095 $17.35 $902 $65,354 $19,606 31% Metropolitan Areas Carson City MSA 1.0 $34,480 45% $18,600 $16.58 $16.19 2.0 $862 $842 9,709 $62,000 $1,550 $465 Las Vegas-Henderson-Paradise MSA $38,920 48% $19,440 $18.71 $17.12 2.3 1.1 $890 351,146 $486 $1,620 $64,800 $973 Reno MSA $811 73,232 $73,500 $977 $1,838 $551 $39,080 43% $22,050 $18.79 $15.60 2.3 1.2 Counties $16,440 $411 $1,370 $941 $37,640 39% Churchill County $18.10 $15.31 2.2 1.2 $796 $54,800 3,732 351,146 $64,800 $486 $1,620 $973 $38,920 48% $19,440 $18.71 $17.12 2.3 1.1 $890 Clark County $1,014 6,144 $71,600 $537 $1,790 1.4 $40,560 31% $21,480 $19.50 $14.40 2.4 $749 Douglas County 5,234 1.2 $625 $2,083 Elko County $947 $37,880 30% $24,990 $18.21 $15.77 2.2 $83,300 $820 $370 $14,790 $27,880 $697 $1,233 44% $49,300 200 Esmeralda County † $13.40 1.6 Eureka County $35,360 $1,835 0.5 2.1 $35.28 $17.00 $31,740 30% $884 $2,645 $794 $105,800 231 $23,070 Humboldt County $76,900 $577 $1,923 $944 $37,760 1,525 $18.15 $16.05 2.2 1.1 $835 25% $20.73 2.4 $1,078 $19.98 $24,810 20% $41,560 $1,039 1.0 $2,068 $620 $82,700 411 Lander County 32% $28,120 582 $55,000 $413 $1,375 $703 Lincoln County $16,500 $13.52 $8.44 1.6 1.6 $439 $768 1.1 2.0 $14.77 $16.69 $16,530 31% $34,720 $868 $1,378 $413 $55,100 6,140 Lyon County $27,960 0.9 712 $61,800 $464 $1,545 $699 Mineral County 34% $18,540 $13.44 $15.56 1.6 $809 $15,510 $15.52 $17.69 1.9 0.9 $920 Nye County 5,406 $51,700 $388 $1,293 $807 $32,280 31% $13.40 $52,000 $1,300 $697 $27,880 33% $15,600 $390 $26.73 1.6 0.5 $1,390 661 Pershing County $551 $73,500 Storey County $1,348 0.7 2.3 $25.92 $18.79 $22,050 16% $39,080 $977 $1,838 272 72,960 Washoe County $792 1.2 2.3 $15.24 $18.79 $22,050 43% $39,080 $977 $1,838 $551 $73,500 White Pine County $71,900 $539 $1,798 $885 $35,400 849 $21,570 $17.02 $18.50 2.1 0.9 $962 27% 1.0 $16.19 $16.58 $18,600 45% $34,480 $862 $842 2.0 $1,550 $465 $62,000 9,709 Carson City † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 160

167 S TAT E S TAT E * RANKING RANKING # 14 NEW HAMPSHIRE In New Hampshire , the Fair Market Rent (FMR) for a two-bedroom $22.32 apartment is $1,161 . In order to afford this level of rent and utilities — without PER HOUR paying more than 30% of income on housing — a household must earn $3,869 annually. Assuming a 40-hour work week, 52 weeks per monthly or $46,426 STATE HOUSING year, this level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEW HAMPSHIRE: STATE FACTS 123 96 Work Hours Per Week At Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom 1-Bedroom To Afford a Minimum Wage Minimum Wage $7.25 Rental Home (at FMR) Rental Home (at FMR) Average Renter Wage $15.13 2-Bedroom Housing Wage $22.32 2.4 3.1 Number of Full-Time Jobs At Number of Full-Time Jobs At 152,820 Number of Renter Households Minimum Wage To Afford a Minimum Wage To Afford a (at FMR) 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home Percent Renters 29% Two bedroom FMR $1,161 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $908 Rent affordable at Boston-Cambridge-Quincy HMFA $33.46 $2,251 area median income (AMI) Rent affordable with full-time job paying $787 Western Rockingham County HMFA $27.73 mean renter wage Rent affordable at 30% of AMI $675 $23.83 Nashua HMFA Rent affordable with full-time job $377 paying minimum wage $23.42 Manchester HMFA Rent affordable to SSI recipient $233 $22.83 L awrence HMFA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 161

168 NEW HAMPSHIRE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage New Hampshire $27,012 1.5 $46,426 $1,161 $2,251 $15.13 29% $675 $787 152,820 $90,040 $22.32 3.1 Combined Nonmetro Areas $78,531 28% $23,559 $589 55,322 $1,963 $20.37 $13.57 2.8 1.5 $705 $1,059 $42,364 Metropolitan Areas Boston-Cambridge-Quincy HMFA $107,800 1,498 $783 2.2 4.6 $15.07 $33.46 $32,340 36% $69,600 $1,740 $2,695 $809 Hillsborough County (part) HMFA $880 1.2 2.8 $16.93 $20.15 $26,340 19% $41,920 $1,048 $2,195 $659 $87,800 2,449 Lawrence HMFA $2,375 11,833 $783 1.5 $95,000 $713 $1,187 $15.07 $47,480 22% $28,500 $22.83 3.1 Manchester HMFA $16.93 26,730 $880 $23.42 $24,780 43% $48,720 $1,218 $2,065 $620 $82,600 1.4 3.2 Nashua HMFA $106,300 $2,658 $1,239 $49,560 29% $31,890 $797 $16.93 3.3 1.4 $880 23,819 $23.83 Portsmouth-Rochester HMFA $22.83 $99,200 $2,480 $1,187 $47,480 32% $29,760 $744 $15.00 3.1 1.5 $780 29,229 Western Rockingham County HMFA 1,940 1.8 $106,500 $799 $2,663 $1,442 $57,680 11% $31,950 $27.73 $15.07 3.8 $783 Counties $1,065 $42,600 24% $22,800 $20.48 $11.46 2.8 5,963 $570 $1,900 1.8 $596 Belknap County $76,000 4,260 $65,800 $494 $1,645 $1,049 $41,960 20% $19,740 $20.17 $11.52 2.8 1.8 $599 Carroll County 9,085 $25,290 $625 1.8 3.0 $12.03 $21.50 Cheshire County 30% $44,720 $1,118 $2,108 $632 $84,300 $17,520 Coos County $438 $1,460 $776 $31,040 29% $58,400 $14.92 $9.45 2.1 1.6 $491 4,013 32% $41,280 $1,032 $925 $19.85 2.7 1.1 $1,978 $593 $79,100 10,996 $17.80 $23,730 Grafton County 1.7 3.0 $13.04 $21.58 $26,370 29% $678 $1,122 $2,198 $659 $87,900 16,545 Merrimack County $44,880 $1,029 $1,790 $537 $71,600 4,460 Sullivan County $19.79 $21,480 $13.00 2.7 1.5 $676 26% $41,160 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 162 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

169 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, Gr eenfield town, Hancock town, Hillsborough town, Lyndeborough town, New Boston town, Peterborough town, Sharon town, Temple town, Windsor town LAWRENCE, MA-NH HMFA ROCKINGHAM COUNTY Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow town, Raymond town, Salem town, Sandown town, Windham town MANCHESTER, NH HMFA HILLSBOROUGH COUNTY Bedford town, Goffstown town, Manchester city, Weare town NASHUA, NH HMFA HILLSBOROUGH COUNTY Amherst town, Brookline town, Greenville town, Hollis town, Hudson town, Litchfield town, Mason town, Merrimack town, Milford town, Mont Vernon town, Nashua city, New Ipswich town, Pelham town, Wilton town PORTSMOUTH-ROCHESTER, NH HMFA ROCKINGHAM COUNTY Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton Falls town, Hampton town, Kensington town, New Castle town, Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city , Rye town, Stratham town | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 163

170 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 | 164 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

171 S TAT E S TAT E * RANKING RANKING # 7 NEW JERSEY In New Jersey , the Fair Market Rent (FMR) for a two-bedroom apartment $28.17 $1,465 is . In order to afford this level of rent and utilities — without paying PER HOUR $4,884 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $58,603 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEW JERSEY: STATE FACTS 107 131 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $8.60 (at FMR) Rental Home (at FMR) Rental Home $18.21 Average Renter Wage 2-Bedroom Housing Wage $28.17 2.7 3.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,147,220 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 36% Two bedroom FMR $1,465 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,199 Rent affordable at Bergen-Passaic HMFA $32.52 $2,349 area median income (AMI) Rent affordable with full-time job paying $947 Middlesex-Somerset-Hunterdon HMFA $31.29 mean renter wage Rent affordable at 30% of AMI $705 $31.04 Jersey City HMFA Rent affordable with full-time job $447 paying minimum wage $28.10 Monmouth-Ocean HMFA Rent affordable to SSI recipient $234 $25.56 T renton MSA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 165

172 NEW JERSEY HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage New Jersey $93,952 $28,186 $705 $1,465 $947 1.5 $18.21 $28.17 36% $58,603 1,147,220 3.3 $2,349 Metropolitan Areas Atlantic City-Hammonton MSA 33,290 $71,600 $537 $1,790 $1,312 $586 33% $21,480 $25.23 $11.27 2.9 2.2 $52,480 Bergen-Passaic HMFA * $32.52 $67,640 39% $1,691 194,653 $927 1.8 3.8 $17.83 $102,300 $767 $2,558 $30,690 Jersey City HMFA $499 174,234 $1,544 1.0 $66,500 $31.04 $19,950 69% $29.70 $64,560 $1,614 $1,663 3.6 Middlesex-Somerset-Hunterdon HMFA $1,627 $65,080 31% $32,370 $31.29 $809 3.6 1.5 $1,112 138,497 $107,900 $2,698 $21.38 Monmouth-Ocean HMFA $628 2.3 3.3 $12.07 $28.10 $29,790 23% $58,440 $1,461 $2,483 $745 $99,300 105,428 Newark HMFA $716 $52,560 41% $28,620 $25.27 $20.63 $1,314 1.2 $1,073 286,678 $2,385 $95,400 2.9 Ocean City MSA $1,127 $45,080 24% $23,610 $21.67 $8.79 2.5 2.5 $457 9,468 $78,700 $590 $1,968 Philadelphia-Camden-Wilmington MSA * 1.8 $26,220 $24.35 $13.62 2.8 $50,640 $708 128,565 $2,185 27% $656 $87,400 $1,266 Trenton MSA 46,728 36% $25.56 $17.88 3.0 1.4 $930 $29,670 $98,900 $53,160 $2,473 $742 $1,329 Vineland-Bridgeton MSA $18,720 $22.21 $11.20 2.6 2.0 $582 18,086 36% $62,400 $468 $1,560 $1,155 $46,200 Warren County HMFA $49,120 1.8 $94,800 $711 $2,370 $1,228 11,593 28% $28,440 $23.62 $13.35 2.7 $694 Counties $21,480 $25.23 $11.27 2.9 2.2 $586 33,290 Atlantic County $71,600 $1,790 $1,312 $52,480 33% $537 $102,300 $767 Bergen County * $2,558 $1,691 $67,640 35% $30,690 $32.52 $19.15 3.8 1.7 $996 119,028 $87,400 $24.35 Burlington County * $850 1.5 2.8 $16.35 38,957 $26,220 24% $50,640 $1,266 $2,185 $656 $26,220 60,995 Camden County * $2,185 $1,266 $50,640 33% $656 $24.35 $12.56 2.8 1.9 $653 $87,400 $1,127 24% $457 2.5 $8.79 $21.67 2.5 $45,080 $1,968 $590 $78,700 9,468 Cape May County $23,610 $582 18,086 $62,400 $468 $1,560 $1,155 Cumberland County 36% $18,720 $22.21 $11.20 2.6 2.0 $46,200 $1,314 $2,385 $716 $95,400 156,180 Essex County $1,011 2.9 $19.45 $25.27 $28,620 56% $52,560 1.3 * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 166

173 NEW JERSEY AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Gloucester County * $656 $2,185 $1,266 $50,640 21% $26,220 $24.35 $10.12 2.8 2.4 $526 21,617 $87,400 $19,950 Hudson County $499 $1,663 $1,614 $64,560 69% $66,500 $31.04 $29.70 3.6 1.0 $1,544 174,234 $763 7,813 $107,900 $809 $2,698 $1,627 $65,080 17% $32,370 $31.29 $14.67 3.6 2.1 Hunterdon County $930 Mercer County 46,728 $98,900 $742 $2,473 $1,329 $53,160 36% $29,670 $25.56 $17.88 3.0 1.4 $1,627 $1,058 $20.35 $31.29 $32,370 36% $65,080 3.6 $2,698 $809 $107,900 102,485 Middlesex County 1.5 26% $12.12 3.3 2.3 $630 $58,440 $29,790 $28.10 $2,483 $745 $99,300 61,195 Monmouth County $1,461 $52,560 $23.81 44,365 $95,400 $716 $2,385 $1,314 Morris County 25% $28,620 $25.27 2.9 1.1 $1,238 $624 2.3 3.3 $12.01 $28.10 $29,790 20% $58,440 $1,461 $2,483 $745 $99,300 44,233 Ocean County $67,640 2.3 75,625 $102,300 $767 $2,558 $1,691 Passaic County * 47% $30,690 $32.52 $14.00 3.8 $728 $1,266 $50,640 29% $26,220 $24.35 $14.11 2.8 1.7 $734 Salem County * 6,996 $87,400 $656 $2,185 $32,370 28,199 $809 $2,698 $1,627 $65,080 24% $107,900 $31.29 $25.20 3.6 1.2 $1,310 Somerset County Sussex County 9,174 $95,400 $716 $2,385 $1,314 $52,560 17% $28,620 $25.27 $10.34 2.9 2.4 $538 $28,620 Union County $716 $2,385 $1,314 $52,560 41% $95,400 $25.27 $19.69 2.9 1.3 $1,024 76,959 $694 11,593 $94,800 $711 $2,370 $1,228 $49,120 28% $28,440 $23.62 $13.35 2.7 1.8 Warren County * 50th percentile FMR (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 167 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

174 S TAT E S TAT E * RANKING RANKING 36 # NEW MEXICO In New Mexico , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.89 . In order to afford this level of rent and utilities — without paying more $827 PER HOUR than 30% of income on housing — a household must earn $2,755 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $33,062 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEW MEXICO: STATE FACTS 85 69 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.50 (at FMR) Rental Home (at FMR) Rental Home $12.97 Average Renter Wage 2-Bedroom Housing Wage $15.89 2.1 1.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 245,732 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 32% Two bedroom FMR $827 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $671 Rent affordable at Los Alamos County $19.67 $1,490 area median income (AMI) Rent affordable with full-time job paying $674 Santa Fe MSA $19.35 mean renter wage Rent affordable at 30% of AMI $447 Lincoln County $16.90 Rent affordable with full-time job $390 paying minimum wage $16.79 Albuquerque MSA Rent affordable to SSI recipient $225 E ddy County $15.75 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 168

175 NEW MEXICO AREA MEDIAN INCOME (AMI) RENTERS HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage New Mexico 2.1 245,732 $447 $674 1.2 $12.97 $15.89 32% $33,062 $17,885 $827 $1,490 $59,618 Combined Nonmetro Areas $400 74,126 $1,335 $14.35 $13.71 1.9 1.0 $713 $746 $53,387 $16,016 $29,840 31% Metropolitan Areas 33% Albuquerque MSA $65,000 $488 $873 $34,920 $1,625 $19,500 $16.79 $12.84 2.2 1.3 $668 114,233 $14.50 Farmington MSA $60,100 $451 $1,503 $770 $30,800 27% $18,030 $14.81 2.0 1.0 $754 11,202 $14.48 $335 $1,118 $753 $30,120 37% $13,410 Las Cruces MSA $9.73 1.9 1.5 $506 27,626 $44,700 30% Santa Fe MSA $72,000 $540 $1,800 $1,006 $40,240 18,545 $21,600 $19.35 $13.50 2.6 1.4 $702 Counties $672 $65,000 98,741 $488 $1,625 $873 Bernalillo County 38% $19,500 $16.79 $12.92 2.2 1.3 $34,920 1.8 Catron County 109 $51,300 $385 $1,283 $697 $27,880 8% $15,390 $13.40 $7.65 1.8 $398 $29,600 $11.19 1.3 1.9 $14.23 $14,700 34% $582 $740 $1,225 $368 $49,000 7,764 Chaves County $11.17 28% $27,880 $697 $326 $43,400 2,451 Cibola County 1.8 $13.40 $13,020 1.2 $581 $1,085 $13.40 $1,230 $6.70 1.8 2.0 $348 $27,880 $369 $49,200 1,691 Colfax County $697 31% $14,760 41% Curry County $52,300 $392 $1,308 $752 $30,080 7,511 $15,690 $14.46 $12.92 1.9 1.1 $672 $28,320 De Baca County 133 $56,500 $424 $1,413 $708 $849 24% $16,950 $13.62 $16.34 1.8 0.8 $753 $506 $9.73 $14.48 $13,410 37% $30,120 1.9 $1,118 $335 $44,700 27,626 Dona Ana County 1.5 $988 0.8 2.1 $15.75 $20,550 28% $32,760 $819 $1,713 $514 $68,500 5,960 Eddy County $19.00 26% $606 $51,000 $383 $1,275 $697 $27,880 3,057 $15,300 $13.40 $11.66 1.8 1.1 Grant County 1.5 Guadalupe County 360 $42,200 $317 $1,055 $697 $27,880 31% $12,660 $13.40 $8.75 1.8 $455 $15,420 $13.40 1.8 Harding County † 41 $51,400 $386 $1,285 $697 $27,880 21% $13,170 545 $329 $1,098 $697 $27,880 31% $43,900 $13.40 $9.96 1.8 1.3 $518 Hidalgo County Lea County 6,731 $66,900 $502 $1,673 $805 $32,200 31% $20,070 $15.48 $17.51 2.1 0.9 $911 $15,630 Lincoln County $391 $1,303 $879 $35,160 21% $52,100 $16.90 $9.88 2.3 1.7 $514 1,691 $1,349 2,076 $130,300 $977 $3,258 $1,023 $40,920 27% $39,090 $19.67 $25.95 2.6 0.8 Los Alamos County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 169 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

176 NEW MEXICO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Luna County $278 $928 $697 $27,880 35% $11,130 $13.40 $10.52 1.8 1.3 $547 3,061 $37,100 28% $27,880 5,367 $37,300 $280 $933 $697 McKinley County $11,190 $13.40 $8.70 1.8 1.5 $453 $781 24% $28,320 0.9 1.8 $15.02 $13.62 $11,760 Mora County 374 $39,200 $294 $980 $708 Otero County $641 1.1 1.8 $12.32 $13.40 $16,290 36% $27,880 $697 $1,358 $407 $54,300 8,245 $27,880 $593 967 $43,000 $323 $1,075 $697 Quay County 30% $12,900 $13.40 $11.40 1.8 1.2 $13.40 $14,220 24% $466 1.5 1.8 $8.97 $697 $1,185 $356 $47,400 3,165 Rio Arriba County $27,880 Roosevelt County $42,800 $321 $1,070 $708 $28,320 2,794 $12,840 $13.62 $9.25 1.8 1.5 $481 39% $34,920 18% $19,500 $16.79 $14.31 2.2 1.2 $744 Sandoval County 8,880 $65,000 $488 $1,625 $873 $754 San Juan County 11,202 $60,100 $451 $1,503 $770 $30,800 27% $18,030 $14.81 $14.50 2.0 1.0 29% $325 3,119 $45,700 $343 $1,143 $28,960 San Miguel County $13,710 $13.92 $6.25 1.9 2.2 $724 $13.50 $19.35 $21,600 30% $1,006 $1,800 1.4 $540 $72,000 18,545 Santa Fe County $702 2.6 $40,240 $697 $27,880 27% $13,080 $13.40 $9.04 1.8 1.5 $470 Sierra County 1,462 $43,600 $327 $1,090 $13.40 $43,600 $1,090 $697 $27,880 28% $13,080 $327 $10.02 1.8 1.3 $521 1,358 Socorro County $359 $47,900 Taos County $499 1.6 2.0 $9.60 $15.19 $14,370 27% $31,600 $790 $1,198 3,498 999 Torrance County $511 1.7 2.2 $9.83 $16.79 $19,500 19% $34,920 $873 $1,625 $488 $65,000 Union County $53,000 $398 $1,325 $697 $27,880 596 $15,900 $13.40 $12.52 1.8 1.1 $651 39% $34,920 $19,500 $16.79 $8.15 2.2 2.1 $424 $873 21% $1,625 $488 $65,000 5,613 Valencia County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 170

177 S TAT E S TAT E * RANKING RANKING # NEW YORK 4 In , the Fair Market Rent (FMR) for a two-bedroom apartment is New York $30.03 . In order to afford this level of rent and utilities — without paying more $1,561 PER HOUR monthly or $5,204 than 30% of income on housing — a household must earn $62,454 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NEW YORK: STATE FACTS 115 99 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $10.40 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $24.23 2-Bedroom Housing Wage $30.03 2.5 2.9 Number of Full-Time Jobs At Number of Full-Time Jobs At 3,371,574 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 46% Two bedroom FMR $1,561 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,334 Rent affordable at Nassau-Suffolk HMFA $36.12 $2,015 area median income (AMI) Rent affordable with full-time job paying $1,260 New York HMFA $34.40 mean renter wage Rent affordable at 30% of AMI $604 $32.44 Westchester County Rent affordable with full-time job $541 paying minimum wage $25.40 Poughkeepsie-Newburgh-Middletown HMFA Rent affordable to SSI recipient $251 $22.38 I thaca MSA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 171

178 NEW YORK FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage New York $80,598 2.9 3,371,574 $1,561 $2,015 46% $62,454 $604 $24.23 $30.03 $1,260 1.2 $24,179 Combined Nonmetro Areas $10.74 1.4 1.4 $559 $776 $14.92 $63,554 $19,066 $477 155,668 $31,038 $1,589 29% Metropolitan Areas $14.93 $2,160 $1,032 $41,280 35% $25,920 $19.85 $648 1.9 1.3 $776 122,546 $86,400 Albany-Schenectady-Troy MSA $1,673 32% $66,900 $502 $781 31,553 $556 1.4 1.4 $10.69 $15.02 $20,070 $31,240 Binghamton MSA $1,868 $560 $74,700 158,336 $11.80 1.3 1.5 $15.37 $22,410 34% $31,960 $799 $613 Buffalo-Cheektowaga-Niagara Falls MSA $516 11,072 1.5 1.6 $15.52 $21,300 32% $32,280 $807 $1,775 $71,000 $9.92 $533 Elmira MSA 29% 14,566 1.5 1.7 $11.53 $17.77 $72,500 $599 $36,960 $924 $1,813 $544 $21,750 Glens Falls MSA $1,164 $46,560 45% $26,700 $22.38 $14.09 2.2 1.6 $733 17,094 $89,000 $668 $2,225 Ithaca MSA 20,992 $594 $1,980 $1,155 $46,200 30% $79,200 $501 $22.21 $9.64 2.1 2.3 $23,760 Kingston MSA 3.5 $116,700 $875 $2,918 $1,878 $75,120 20% $35,010 $36.12 $14.51 2.5 187,386 $755 Nassau-Suffolk HMFA $71,354 $1,784 $1,789 $71,560 66% $21,406 $535 $35.39 3.3 1.0 $1,840 2,164,907 $34.40 New York HMFA $614 $2,365 2.2 2.4 73,282 $94,600 $1,321 $52,840 32% $28,380 $25.40 $11.81 $710 Poughkeepsie-Newburgh-Middletown HMFA $12.70 1.7 1.4 $660 139,644 $74,000 $555 $1,850 $924 $36,960 33% $22,200 $17.77 Rochester HMFA $22,230 $74,100 $556 $1,853 $906 $36,240 33% 83,708 $17.42 $12.30 1.7 1.4 $640 Syracuse MSA $780 $15.00 1.4 $65,000 $488 $1,625 $19,500 $31,200 $10.53 1.4 $548 37,781 33% Utica-Rome MSA $18,630 44% $40,360 $1,009 $1,553 $466 $19.40 1.9 1.4 $701 19,095 $13.49 $62,100 Watertown-Fort Drum MSA $1,687 $2,928 $878 $117,100 3.1 $18.38 131,758 $956 1.8 $32.44 $35,130 39% $67,480 Westchester County Statutory Exception Area 1.4 $8.12 $14.13 $19,470 23% $29,400 1.7 $1,623 $487 $64,900 2,186 $422 $735 Yates County HMFA Counties $817 1.3 1.9 $15.72 $19.85 $25,920 43% $41,280 $1,032 $2,160 $648 $86,400 52,829 Albany County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 172 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

179 NEW YORK FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Allegany County $419 $1,395 $697 $27,880 26% $16,740 $13.40 $9.44 1.3 1.4 $491 4,698 $55,800 81% $71,560 1.8 2.7 $19.60 $34.40 $21,090 $1,019 $1,789 $1,758 $527 $70,300 397,171 Bronx County 27,263 Broome County $1,673 $502 $66,900 $781 $31,240 35% $20,070 $15.02 $10.34 1.4 1.5 $538 $16,440 Cattaraugus County $411 $1,370 $697 $27,880 28% $54,800 $13.40 $10.35 1.3 1.3 $538 8,896 $601 9,046 $68,700 $515 $1,718 $770 $30,800 29% $20,610 $14.81 $11.55 1.4 1.3 Cayuga County $19,050 30% $9.10 1.3 1.5 $473 $697 $476 $63,500 15,830 Chautauqua County $27,880 $13.40 $1,588 $516 11,072 $71,000 $533 $1,775 $807 Chemung County 32% $21,300 $15.52 $9.92 1.5 1.6 $32,280 1.2 1.3 $11.32 $13.79 $18,060 25% $28,680 $717 $1,505 $452 $60,200 4,869 Chenango County $589 $32,320 1.5 10,050 $63,500 $476 $1,588 $808 Clinton County 32% $19,050 $15.54 $10.66 1.5 $555 $38,040 28% $22,830 $18.29 $10.33 1.8 1.8 $537 Columbia County 6,964 $76,100 $571 $1,903 $951 35% $566 $68,500 $514 $1,713 $784 $31,360 6,172 $20,550 $15.08 $10.89 1.4 1.4 Cortland County $526 Delaware County 5,030 $58,800 $441 $1,470 $747 $29,880 27% $17,640 $14.37 $10.11 1.4 1.4 $1,321 1.9 2.4 $13.41 $25.40 $28,380 31% $52,840 $2,365 $710 $94,600 33,444 Dutchess County $698 35% $630 $74,700 $560 $1,868 $799 $31,960 133,007 $22,410 $15.37 $12.11 1.5 1.3 Erie County 26% Essex County 3,982 $69,500 $521 $1,738 $864 $598 1.4 1.6 $11.50 $16.62 $20,850 $34,560 $726 $29,040 28% $18,270 $13.96 $9.33 1.3 1.5 $485 Franklin County 5,343 $60,900 $457 $1,523 6,642 Fulton County $442 $1,473 $759 $30,360 30% $17,670 $14.60 $10.81 1.4 1.4 $562 $58,900 $14.88 6,369 $1,700 $774 $30,960 27% $20,400 $510 $9.91 1.4 1.5 $515 Genesee County $68,000 4,230 $67,500 $506 $1,688 $918 $36,720 25% Greene County $17.65 $8.80 1.7 2.0 $458 $20,250 Hamilton County $63,900 $479 $1,598 $716 $28,640 184 $19,170 $13.77 $8.45 1.3 1.6 $440 15% $558 $780 $19,500 $15.00 $10.72 1.4 Herkimer County 30% $31,200 1.4 $1,625 $488 $65,000 7,604 44% Jefferson County $62,100 $466 $1,553 $1,009 $40,360 19,095 $18,630 $19.40 $13.49 1.9 1.4 $701 2.1 $855 2.7 $16.45 $34.40 $21,090 71% Kings County $1,789 $1,758 $527 $70,300 662,356 $71,560 $497 2,458 $63,100 $473 $1,578 $718 Lewis County 24% $18,930 $13.81 $9.57 1.3 1.4 $28,720 $22,200 27% $36,960 $924 $1,850 $555 $74,000 6,472 Livingston County 2.1 $8.51 $17.77 1.7 $442 $906 $36,240 25% $22,230 $17.42 $10.50 1.7 1.7 $546 Madison County 6,418 $74,100 $556 $1,853 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 173 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

180 NEW YORK FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Monroe County $555 $1,850 $924 $36,960 36% $22,200 $17.77 $13.18 1.7 1.3 $686 108,582 $74,000 $17,400 $30,080 $525 1.4 1.4 $10.09 $14.46 6,500 33% $752 $1,450 $435 $58,000 Montgomery County $116,700 $2,918 86,810 Nassau County $875 $1,878 $75,120 20% $35,010 $36.12 $14.58 3.3 2.5 $758 $21,090 New York County $527 $1,758 $1,789 $71,560 77% $70,300 $34.40 $49.03 2.7 0.7 $2,550 579,024 $505 25,329 $74,700 $560 $1,868 $799 $31,960 29% $22,410 $15.37 $9.71 1.5 1.6 Niagara County $19,500 33% $10.50 1.4 1.4 $546 $780 $488 $65,000 30,177 Oneida County $31,200 $15.00 $1,625 $652 64,766 $74,100 $556 $1,853 $906 Onondaga County 35% $22,230 $17.42 $12.54 1.7 1.4 $36,240 1.5 1.7 $12.19 $17.77 $22,200 27% $36,960 $924 $1,850 $555 $74,000 12,105 Ontario County $634 $52,840 2.4 39,838 $94,600 $710 $2,365 $1,321 Orange County 32% $28,380 $25.40 $10.53 2.4 $548 $36,960 24% $22,200 $17.77 $8.78 1.7 2.0 $457 Orleans County 3,946 $74,000 $555 $1,850 $924 28% $603 $74,100 $556 $1,853 $906 $36,240 12,524 $22,230 $17.42 $11.61 1.7 1.5 Oswego County $561 Otsego County 6,189 $63,800 $479 $1,595 $832 $33,280 26% $19,140 $16.00 $10.78 1.5 1.5 $1,789 3.1 3.3 $11.19 $34.40 $21,090 18% $71,560 $1,758 $527 $70,300 6,141 Putnam County $582 56% $981 $70,300 $527 $1,758 $1,789 $71,560 437,941 $21,090 $34.40 $18.86 2.7 1.8 Queens County 36% Rensselaer County 22,804 $86,400 $648 $2,160 $1,032 $661 1.6 1.9 $12.71 $19.85 $25,920 $41,280 $1,789 $71,560 31% $21,090 $34.40 $11.33 2.7 3.0 $589 Richmond County 51,512 $70,300 $527 $1,758 30,762 Rockland County $788 $2,625 $1,789 $71,560 31% $31,500 $34.40 $11.13 3.3 3.1 $579 $105,000 $15.27 11,875 $1,433 $794 $31,760 29% $17,190 $430 $10.52 1.5 1.5 $547 St. Lawrence County $57,300 25,797 $86,400 $648 $2,160 $1,032 $41,280 28% Saratoga County $19.85 $15.51 1.9 1.3 $807 $25,920 Schenectady County $86,400 $648 $2,160 $1,032 $41,280 18,030 $25,920 $19.85 $13.79 1.9 1.4 $717 33% $542 $1,032 $25,920 $19.85 $10.42 1.9 Schoharie County 25% $41,280 1.9 $2,160 $648 $86,400 3,086 22% Schuyler County $64,500 $484 $1,613 $697 $27,880 1,609 $19,350 $13.40 $8.82 1.3 1.5 $459 1.4 Seneca County $570 1.4 $10.96 $14.96 $20,220 3,750 $31,120 $778 $1,685 $506 $67,400 27% 29% 11,893 $61,800 $464 $1,545 $712 $28,480 Steuben County $18,540 $13.69 $16.19 1.3 0.8 $842 $116,700 $2,918 $875 2.5 100,576 Suffolk County $14.44 $36.12 $35,010 21% 3.3 $75,120 $1,878 $751 $948 $37,920 33% $21,390 $18.23 $10.45 1.8 1.7 $543 Sullivan County 9,245 $71,300 $535 $1,783 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 174 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

181 NEW YORK RENTERS HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Tioga County $502 $1,673 $781 $31,240 22% $20,070 $15.02 $12.96 1.4 1.2 $674 4,290 $66,900 $26,700 Tompkins County $668 $2,225 $1,164 $46,560 45% $89,000 $22.38 $14.09 2.2 1.6 $733 17,094 Ulster County $79,200 $594 $1,980 $1,155 $46,200 30% $23,760 $22.21 $9.64 2.1 2.3 $501 20,992 1.6 $590 1.7 $11.35 $17.77 $21,750 29% $36,960 $924 $1,813 $544 $72,500 7,907 Warren County $21,750 6,659 $544 $1,813 $924 $36,960 28% $72,500 $17.77 $12.12 1.7 1.5 $630 Washington County $924 1.7 1.7 $546 $1,850 $555 $74,000 8,539 Wayne County $36,960 $22,200 $17.77 23% $10.49 $956 3.0 $18.38 $32.44 $35,130 39% 1.8 $1,687 $2,928 $878 Westchester County 131,758 $67,480 $117,100 $697 $27,880 24% $20,280 $13.40 $9.77 1.3 1.4 $508 Wyoming County 3,844 $67,600 $507 $1,690 $29,400 Yates County 1.4 $8.12 $14.13 $19,470 23% 1.7 $735 $1,623 $487 $64,900 2,186 $422 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 175 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

182 S TAT E S TAT E * RANKING RANKING # 34 NORTH CAROLINA In North Carolina , the Fair Market Rent (FMR) for a two-bedroom apartment $16.35 $850 is . In order to afford this level of rent and utilities — without paying PER HOUR $2,834 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $34,004 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NORTH CAROLINA: STATE FACTS 75 90 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $14.66 Average Renter Wage 2-Bedroom Housing Wage $16.35 1.9 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,343,669 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 35% Two bedroom FMR $850 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $708 Rent affordable at Currituck County $21.06 $1,611 area median income (AMI) Rent affordable with full-time job paying $762 Camden County $20.06 mean renter wage Rent affordable at 30% of AMI $483 $19.73 Raleigh MSA Rent affordable with full-time job $377 paying minimum wage $19.10 Wilmington HMFA Rent affordable to SSI recipient $225 $19.04 D urham-Chapel Hill HMFA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 176

183 NORTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage North Carolina 1,343,669 35% $34,004 2.3 1.1 $850 $1,611 $19,337 $14.66 $762 $16.35 $483 $64,456 Combined Nonmetro Areas $390 265,831 $1,300 $14.11 $10.32 1.9 1.4 $537 $734 $51,983 $15,595 $29,345 31% Metropolitan Areas $33,160 Asheville HMFA $61,300 $460 $1,533 $829 1.3 33% $18,390 $15.94 $12.75 2.2 $663 51,616 $16.65 $19,740 $866 12,184 $563 1.5 24% 2.3 $10.82 Brunswick County HMFA $65,800 $494 $1,645 $34,640 1.1 $30,160 35% $16,530 $14.50 $12.83 2.0 21,797 $667 Burlington MSA $55,100 $413 $1,378 $754 $993 228,423 1.0 2.6 $19.10 $18.60 $22,230 38% $38,680 $967 $1,853 $556 $74,100 Charlotte-Concord-Gastonia HMFA $18,930 $36,680 $17.63 Craven County HMFA $63,100 $473 37% $1,578 $12.67 2.4 1.4 $659 14,907 $917 $13.13 $1,513 Davidson County HMFA $683 $27,320 29% $18,150 $60,500 $11.74 1.8 1.1 $610 18,374 $454 41% $24,180 $19.04 $19.43 2.6 1.0 $1,010 81,925 Durham-Chapel Hill HMFA $80,600 $605 $2,015 $990 $39,600 $666 59,279 $53,500 $401 $1,338 $819 $32,760 48% $16,050 $15.75 $12.80 2.2 1.2 Fayetteville HMFA $27,320 908 1.8 $7.87 $13.13 $17,460 20% 1.7 $683 $1,455 $437 $58,200 Gates County HMFA $409 18,963 1.3 2.0 $11.16 $14.54 $17,130 40% $30,240 $756 $1,428 $428 $57,100 Goldsboro MSA $580 38% $740 $60,500 $454 $1,513 $806 $32,240 Greensboro-High Point HMFA $18,150 $15.50 $14.23 2.1 1.1 97,700 $30,320 48% $18,420 $14.58 $11.12 2.0 1.3 $578 32,841 Greenville MSA $61,400 $461 $1,535 $758 $13.85 Haywood County HMFA $1,408 $720 $28,800 28% $16,890 $422 $10.35 1.9 1.3 $538 7,425 $56,300 41,835 $55,000 $413 $1,375 $683 $27,320 30% $16,500 $13.13 $11.84 1.8 1.1 $615 Hickory-Lenoir-Morganton MSA $402 Hoke County HMFA $53,600 $1,340 $695 $27,800 35% $16,080 $13.37 $11.33 1.8 1.2 $589 6,027 $15.92 $551 $1,835 $828 $33,120 28% $22,020 Iredell County HMFA $15.36 2.2 1.0 $799 17,383 $73,400 48% Jacksonville MSA $585 29,782 $33,720 $15,900 $16.21 $11.26 2.2 1.4 $843 $1,325 $398 $53,000 $13.13 $47,800 $359 $1,195 $683 $27,320 28% $14,340 Jones County HMFA $11.04 1.8 1.2 $574 1,144 $19,350 7,198 $484 $1,613 $732 $29,280 24% $64,500 $14.08 $11.32 1.9 1.2 $589 Lincoln County HMFA † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 177 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

184 NORTH CAROLINA HOUSING COSTS RENTERS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage $58,000 $435 $1,450 $701 $28,040 24% $17,400 $13.48 $8.66 1.9 1.6 $450 1,289 Pamlico County HMFA $17,790 4,591 $59,300 $1,483 $796 $31,840 $445 $15.31 $9.31 2.1 1.6 $484 22% Pender County HMFA $13.21 $16,170 29% $27,480 $687 $1,348 $404 $53,900 1.8 1.5 $465 4,488 $8.94 Person County HMFA Raleigh MSA 160,846 $84,300 $632 $2,108 $1,026 $41,040 35% $25,290 $19.73 $15.99 2.7 1.2 $831 Rockingham County HMFA $683 $487 $55,200 $414 $1,380 $27,320 32% $16,560 $13.13 $9.37 1.8 12,077 1.4 $15,900 $569 $1,325 $718 $28,720 37% 1.3 $398 $13.81 $10.94 21,482 $53,000 1.9 Rocky Mount MSA 16,741 $785 $31,400 33% $16,770 $15.10 $13.84 2.1 1.1 $720 $55,900 $419 $1,398 Rowan County HMFA $43,800 $1,095 $1,875 $563 2.9 $75,000 1,600 2.3 $9.34 $21.06 $22,500 17% $486 Virginia Beach-Norfolk-Newport News HMFA $12.77 2.6 1.5 $664 38,010 $39,720 $993 $1,805 $542 $72,200 42% $19.10 $21,660 Wilmington HMFA $18,750 $62,500 $469 $1,563 $738 $29,520 34% 67,003 $14.19 $13.62 2.0 1.0 $708 Winston-Salem HMFA Counties 35% $16,530 $14.50 $12.83 2.0 1.1 $667 Alamance County $55,100 $413 $1,378 21,797 $754 $30,160 $55,000 3,535 $683 $27,320 26% $16,500 $13.13 $8.42 1.8 1.6 $438 Alexander County $413 $1,375 $7.73 $45,300 $683 $27,320 24% $13,590 $13.13 $1,133 1.8 1.7 $402 1,169 Alleghany County $340 $42,400 $318 $1,060 $683 $27,320 35% $12,720 $13.13 $12.46 1.8 1.1 $648 Anson County 3,328 $9.44 $48,000 $683 $27,320 26% $14,400 $13.13 $1,200 1.8 1.4 $491 $360 3,099 Ashe County $522 $369 $1,230 Avery County 1,639 $768 $30,720 24% $14,760 $14.77 $10.04 2.0 1.5 $49,200 $27,320 $484 1.4 1.8 $9.32 $13.13 $16,230 Beaufort County $683 $1,353 $406 $54,100 5,815 31% Bertie County $43,100 $323 $1,078 $683 $27,320 26% $12,930 $13.13 $10.13 1.8 1.3 $527 2,029 $13,110 4,444 $328 $1,093 $683 $27,320 31% $43,700 $13.13 $11.11 1.8 1.2 $578 Bladen County Brunswick County 12,184 $65,800 $494 $1,645 $866 $34,640 24% $19,740 $16.65 $10.82 2.3 1.5 $563 $18,390 Buncombe County $460 $1,533 $829 $33,160 36% $61,300 $15.94 $13.24 2.2 1.2 $688 36,574 $499 10,154 $55,000 $413 $1,375 $683 $27,320 30% $16,500 $13.13 $9.59 1.8 1.4 Burke County 29% $38,680 $967 $1,853 $556 $74,100 19,667 1.5 Cabarrus County $637 2.6 $12.25 $18.60 $22,230 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 178

185 NORTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Caldwell County $413 $1,375 $683 $27,320 29% $16,500 $13.13 $11.20 1.8 1.2 $582 9,395 $55,000 20% $41,720 2.0 2.8 $10.25 $20.06 $22,290 $533 $1,043 $1,858 $557 $74,300 744 Camden County 8,135 Carteret County $1,720 $516 $68,800 $857 $34,280 28% $20,640 $16.48 $9.93 2.3 1.7 $517 $15,210 Caswell County $380 $1,268 $683 $27,320 24% $50,700 $13.13 $7.58 1.8 1.7 $394 2,123 $675 18,751 $55,000 $413 $1,375 $683 $27,320 31% $16,500 $13.13 $12.99 1.8 1.0 Catawba County $24,180 23% $8.95 2.6 2.1 $465 $990 $605 $80,600 6,230 Chatham County $39,600 $19.04 $2,015 $535 2,208 $46,100 $346 $1,153 $683 Cherokee County 20% $13,830 $13.13 $10.28 1.8 1.3 $27,320 1.4 2.0 $9.91 $14.35 $14,670 31% $29,840 $746 $1,223 $367 $48,900 1,833 Chowan County $515 $29,480 1.4 1,031 $47,900 $359 $1,198 $737 Clay County 22% $14,370 $14.17 $10.18 2.0 $530 $28,120 33% $15,600 $13.52 $11.23 1.9 1.2 $584 Cleveland County 12,163 $52,000 $390 $1,300 $703 31% $496 $47,200 $354 $1,180 $683 $27,320 6,754 $14,160 $13.13 $9.54 1.8 1.4 Columbus County $659 Craven County 14,907 $63,100 $473 $1,578 $917 $36,680 37% $18,930 $17.63 $12.67 2.4 1.4 $819 1.2 2.2 $12.80 $15.75 $16,050 48% $32,760 $1,338 $401 $53,500 59,279 Cumberland County $666 17% $486 $75,000 $563 $1,875 $1,095 $43,800 1,600 $22,500 $21.06 $9.34 2.9 2.3 Currituck County 32% Dare County 4,644 $67,000 $503 $1,675 $978 $591 1.7 2.6 $11.36 $18.81 $20,100 $39,120 $683 $27,320 29% $18,150 $13.13 $11.74 1.8 1.1 $610 Davidson County 18,374 $60,500 $454 $1,513 $62,500 3,544 $1,563 $738 $29,520 23% $18,750 $14.19 $10.18 2.0 1.4 $530 Davie County $469 $10.14 $44,700 $683 $27,320 30% $13,410 $13.13 $1,118 1.8 1.3 $527 6,426 $335 Duplin County $80,600 $605 $2,015 $990 $39,600 47% $24,180 Durham County $21.31 2.6 0.9 $1,108 55,625 $19.04 8,524 $398 $1,325 $718 $28,720 40% $53,000 $13.81 $11.16 1.9 1.2 $580 Edgecombe County $15,900 $739 $738 $18,750 $14.19 $14.22 Forsyth County 55,459 38% $29,520 2.0 1.0 $1,563 $469 $62,500 27% Franklin County $84,300 $632 $2,108 $1,026 $41,040 6,431 $25,290 $19.73 $12.57 2.7 1.6 $654 1.6 $616 2.6 $11.85 $18.60 $22,230 34% Gaston County $967 $1,853 $556 $74,100 27,267 $38,680 $409 908 $58,200 $437 $1,455 $683 Gates County 20% $17,460 $13.13 $7.87 1.8 1.7 $27,320 $14,580 18% $27,320 $683 $1,215 $365 $48,600 581 Graham County 1.0 $12.89 $13.13 1.8 $670 $831 $33,240 28% $18,030 $15.98 $10.57 2.2 1.5 $550 Granville County 5,713 $60,100 $451 $1,503 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 179

186 NORTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Greene County $382 $1,273 $684 $27,360 29% $15,270 $13.15 $8.54 1.8 1.5 $444 2,119 $50,900 $32,240 41% 1.1 2.1 $14.73 $15.50 $18,150 $766 $806 $1,513 $454 $60,500 82,541 Guilford County $43,700 7,822 Halifax County 37% $27,800 $695 $1,093 $328 $13,110 $13.37 $9.97 1.8 1.3 $519 $18,750 Harnett County $469 $1,563 $793 $31,720 35% $62,500 $15.25 $10.44 2.1 1.5 $543 15,049 $538 7,425 $56,300 $422 $1,408 $720 $28,800 28% $16,890 $13.85 $10.35 1.9 1.3 Haywood County 27% $15.94 $11.35 $829 2.2 1.4 $590 $460 $61,300 12,844 Henderson County $18,390 $33,160 $1,533 $9.64 2,960 $43,500 $326 $1,088 $708 Hertford County 34% $13,050 $13.62 $501 1.4 1.9 $28,320 $13.37 $16,080 35% $27,800 $695 $1,340 $402 $53,600 6,027 Hoke County $589 1.2 1.8 $11.33 $1,235 $17.62 530 $49,400 $371 Hyde County † $916 $36,640 27% $14,820 2.4 $33,120 28% $22,020 $15.92 $15.36 2.2 1.0 $799 Iredell County 17,383 $73,400 $551 $1,835 $828 35% $436 $53,500 $401 $1,338 $683 $27,320 5,594 $16,050 $13.13 $8.39 1.8 1.6 Jackson County $571 Johnston County 17,964 $84,300 $632 $2,108 $1,026 $41,040 28% $25,290 $19.73 $10.98 2.7 1.8 $683 1.2 1.8 $11.04 $13.13 $14,340 $27,320 28% $1,195 $359 $47,800 1,144 Jones County $574 33% $572 $58,000 $435 $1,450 $745 $29,800 7,078 $17,400 $14.33 $11.01 2.0 1.3 Lee County 38% Lenoir County 8,801 $46,200 $347 $1,155 $712 $610 1.2 1.9 $11.73 $13.69 $13,860 $28,480 $732 $29,280 24% $19,350 $14.08 $11.32 1.9 1.2 $589 Lincoln County 7,198 $64,500 $484 $1,613 $46,900 5,178 $1,173 $683 $27,320 29% $14,070 $13.13 $12.16 1.8 1.1 $632 McDowell County $352 $10.91 $50,300 $779 $31,160 27% $15,090 $14.98 $1,258 2.1 1.4 $568 4,070 $377 Macon County $61,300 $460 $1,533 $829 $33,160 26% $18,390 Madison County $9.09 2.2 1.8 $473 2,198 $15.94 2,837 $366 $1,220 $683 $27,320 30% $48,800 $13.13 $10.90 1.8 1.2 $567 Martin County $14,640 $1,099 $967 $22,230 $18.60 $21.13 Mecklenburg County 166,667 43% $38,680 2.6 0.9 $1,853 $556 $74,100 21% Mitchell County $52,200 $392 $1,305 $683 $27,320 1,343 $15,660 $13.13 $8.89 1.8 1.5 $462 1.1 $594 1.8 $11.42 $13.13 $14,940 30% Montgomery County $683 $1,245 $374 $49,800 3,241 $27,320 $618 9,635 $66,300 $497 $1,658 $779 Moore County 26% $19,890 $14.98 $11.88 2.1 1.3 $31,160 $15,900 35% $28,720 $718 $1,325 $398 $53,000 12,958 Nash County 1.3 $10.86 $13.81 1.9 $565 $993 $39,720 42% $21,660 $19.10 $12.77 2.6 1.5 $664 New Hanover County 38,010 $72,200 $542 $1,805 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 180

187 NORTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Northampton County $293 $975 $683 $27,320 32% $11,700 $13.13 $10.22 1.8 1.3 $531 2,770 $39,000 48% $33,720 1.4 2.2 $11.26 $16.21 $15,900 $585 $843 $1,325 $398 $53,000 29,782 Onslow County 20,070 Orange County $2,015 $605 $80,600 $990 $39,600 39% $24,180 $19.04 $13.68 2.6 1.4 $711 $17,400 Pamlico County $435 $1,450 $701 $28,040 24% $58,000 $13.48 $8.66 1.9 1.6 $450 1,289 $529 5,890 $55,700 $418 $1,393 $876 $35,040 40% $16,710 $16.85 $10.16 2.3 1.7 Pasquotank County $17,790 22% $9.31 2.1 1.6 $484 $796 $445 $59,300 4,591 Pender County $31,840 $15.31 $1,483 $439 1,341 $51,600 $387 $1,290 $847 Perquimans County 23% $15,480 $16.29 $8.45 2.2 1.9 $33,880 1.5 1.8 $8.94 $13.21 $16,170 29% $27,480 $687 $1,348 $404 $53,900 4,488 Person County $465 $30,320 1.3 32,841 $61,400 $461 $1,535 $758 Pitt County 48% $18,420 $14.58 $11.12 2.0 $578 $32,680 27% $16,920 $15.71 $10.06 2.2 1.6 $523 Polk County 2,341 $56,400 $423 $1,410 $817 28% $574 $60,500 $454 $1,513 $806 $32,240 15,159 $18,150 $15.50 $11.04 2.1 1.4 Randolph County $476 Richmond County 6,593 $40,600 $305 $1,015 $683 $27,320 36% $12,180 $13.13 $9.16 1.8 1.4 $683 1.4 1.8 $9.33 $13.13 $12,450 36% $27,320 $1,038 $311 $41,500 16,547 Robeson County $485 32% $487 $55,200 $414 $1,380 $683 $27,320 12,077 $16,560 $13.13 $9.37 1.8 1.4 Rockingham County 33% Rowan County 16,741 $55,900 $419 $1,398 $785 $720 1.1 2.1 $13.84 $15.10 $16,770 $31,400 $683 $27,320 28% $14,130 $13.13 $10.53 1.8 1.2 $548 Rutherford County 7,348 $47,100 $353 $1,178 $46,300 7,185 $1,158 $683 $27,320 31% $13,890 $13.13 $9.58 1.8 1.4 $498 Sampson County $347 $8.57 $38,900 $694 $27,760 38% $11,670 $13.35 $973 1.8 1.6 $446 4,924 $292 Scotland County $54,700 $410 $1,368 $683 $27,320 28% $16,410 Stanly County $8.96 1.8 1.5 $466 6,655 $13.13 4,383 $469 $1,563 $738 $29,520 23% $62,500 $14.19 $8.15 2.0 1.7 $424 Stokes County $18,750 $565 $683 $16,800 $13.13 $10.86 Surry County 7,976 28% $27,320 1.8 1.2 $1,400 $420 $56,000 30% Swain County $49,400 $371 $1,235 $683 $27,320 1,633 $14,820 $13.13 $10.61 1.8 1.2 $552 1.4 $514 1.9 $9.89 $13.77 $16,530 24% Transylvania County $716 $1,378 $413 $55,100 3,315 $28,640 $512 360 $38,100 $286 $953 $683 Tyrrell County 25% $11,430 $13.13 $9.84 1.8 1.3 $27,320 $22,230 20% $38,680 $967 $1,853 $556 $74,100 14,822 Union County 1.5 $12.25 $18.60 2.6 $637 $683 $27,320 40% $13,560 $13.13 $10.22 1.8 1.3 $532 Vance County 6,682 $45,200 $339 $1,130 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 181

188 NORTH CAROLINA RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% 2 BR Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Wake County $632 $2,108 $1,026 $41,040 37% $25,290 $19.73 $16.47 2.7 1.2 $856 136,451 $84,300 $14,610 Warren County $365 $1,218 $683 $27,320 30% $48,700 $13.13 $7.58 1.8 1.7 $394 2,327 Washington County $46,400 $348 $1,160 $747 $29,880 35% $13,920 $14.37 $12.27 2.0 1.2 $638 1,829 2.7 $338 2.5 $6.50 $17.79 $19,140 41% $37,000 $925 $1,595 $479 $63,800 8,365 Watauga County $17,130 18,963 $428 $1,428 $756 $30,240 40% $57,100 $14.54 $11.16 2.0 1.3 $580 Wayne County $683 1.8 1.4 $490 $1,318 $395 $52,700 6,958 Wilkes County $27,320 $15,810 $13.13 25% $9.43 $654 2.0 $12.57 $14.65 $16,230 40% 1.2 $762 $1,353 $406 $54,100 12,805 Wilson County $30,480 $738 $29,520 24% $18,750 $14.19 $9.84 2.0 1.4 $512 Yadkin County 3,617 $62,500 $469 $1,563 25% 1,852 1.8 1.9 $7.57 $13.77 $14,340 $393 $28,640 $716 $1,195 $359 $47,800 Yancey County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 182 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

189 S TAT E S TAT E * RANKING RANKING # 32 NORTH DAKOTA In North Dakota , the Fair Market Rent (FMR) for a two-bedroom apartment $16.44 $855 is . In order to afford this level of rent and utilities — without paying PER HOUR $2,849 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $34,190 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT NORTH DAKOTA: STATE FACTS 71 91 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $15.75 Average Renter Wage 2-Bedroom Housing Wage $16.44 1.8 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 111,254 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 36% Two bedroom FMR $855 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $668 Rent affordable at Dunn County $24.40 $2,063 area median income (AMI) Rent affordable with full-time job paying $819 Ward County $20.54 mean renter wage Rent affordable at 30% of AMI $619 $19.67 Mountrail County Rent affordable with full-time job $377 paying minimum wage $19.40 Williams County Rent affordable to SSI recipient $225 $18.58 G rand Forks MSA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 183

190 NORTH DAKOTA HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage North Dakota $16.44 111,254 $619 $819 $24,757 $15.75 2.3 36% $34,190 $82,523 $855 $2,063 1.0 Combined Nonmetro Areas $594 46,747 $1,982 $16.36 $17.63 2.3 0.9 $917 $851 $79,261 $23,778 $34,025 31% Metropolitan Areas $869 $740 1.2 2.3 $14.24 $16.71 15,145 30% $34,760 $2,415 $725 $96,600 Bismarck HMFA $28,980 $615 $82,000 Fargo MSA $810 $2,050 $32,400 48% $24,600 $15.58 $14.89 2.1 1.0 $774 34,162 2.6 Grand Forks MSA $78,100 $586 $1,953 $966 $38,640 50% $23,430 $18.58 $12.13 1.5 $631 14,444 $23,910 $79,700 $1,576 0.6 2.3 $30.31 $16.67 113 15% $34,680 $867 $1,993 $598 Oliver County HMFA Sioux County HMFA $980 $697 $27,880 58% $39,200 $11,760 $13.40 $10.37 1.8 1.3 $539 643 $294 Counties 0.8 1.8 $16.81 $13.40 $21,420 25% $27,880 $697 Adams County $874 254 $71,400 $536 $1,785 1.1 $701 32% $22,710 $13.48 $12.47 1.9 $28,040 $1,893 $568 $75,700 1,637 Barnes County $648 $11.71 $13.40 $14,490 37% $27,880 $697 $1,208 $362 Benson County 1.8 $48,300 838 $609 1.1 31% Billings County $93,200 $699 $2,330 $760 $30,400 125 $27,960 $14.62 $14.09 2.0 $733 1.0 $13.40 $11.37 1.8 1.2 $591 $697 $572 $76,300 750 Bottineau County 25% $22,890 $1,908 $27,880 0.8 $940 340 $89,100 $668 $2,228 $743 $29,720 24% $26,730 $14.29 $18.07 2.0 Bowman County $30,400 $763 285 $88,100 $661 $2,203 $760 Burke County 28% $26,430 $14.62 $14.68 2.0 1.0 $869 2.3 $14.37 $16.71 $28,980 31% $34,760 $747 $2,415 $725 $96,600 11,778 Burleigh County 1.2 $810 2.1 Cass County 34,162 $82,000 $615 $2,050 $774 $32,400 48% $24,600 $15.58 $14.89 1.0 $719 1.0 1.8 $13.82 $13.40 $25,860 17% $27,880 $697 $2,155 $86,200 307 Cavalier County $647 $27,880 1.2 610 $70,200 $527 $1,755 $697 Dickey County 28% $21,060 $13.40 $10.73 1.8 $558 $27,880 19% $24,120 $13.40 $18.73 1.8 0.7 $974 Divide County 199 $80,400 $603 $2,010 $697 $26,520 342 $88,400 $663 $2,210 $1,269 $50,760 22% Dunn County $24.40 $29.44 3.4 0.8 $1,531 28% $522 $68,300 $512 $1,708 $697 $27,880 287 $20,490 $13.40 $10.03 1.8 1.3 Eddy County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 184 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

191 NORTH DAKOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Emmons County $449 $1,495 $697 $27,880 16% $17,940 $13.40 $8.40 1.8 1.6 $437 244 $59,800 29% $27,880 1.2 1.8 $10.92 $13.40 $22,320 $568 $697 $1,860 $558 $74,400 436 Foster County 280 Golden Valley County $1,835 $551 $73,400 $963 $38,520 33% $22,020 $18.52 $16.30 2.6 1.1 $847 $23,430 Grand Forks County $586 $1,953 $966 $38,640 50% $78,100 $18.58 $12.13 2.6 1.5 $631 14,444 $544 179 $65,200 $489 $1,630 $697 $27,880 16% $19,560 $13.40 $10.46 1.8 1.3 Grant County $22,230 29% $10.30 1.8 1.3 $536 $697 $556 $74,100 303 Griggs County $27,880 $13.40 $1,853 $674 182 $66,800 $501 $1,670 $697 Hettinger County 16% $20,040 $13.40 $12.97 1.8 1.0 $27,880 1.1 1.8 $12.70 $13.40 $20,040 23% $27,880 $697 $1,670 $501 $66,800 248 Kidder County $660 $28,600 1.4 376 $69,700 $523 $1,743 $715 LaMoure County 21% $20,910 $13.75 $9.94 1.9 $517 $27,880 16% $21,330 $13.40 $10.12 1.8 1.3 $526 Logan County 144 $71,100 $533 $1,778 $697 18% $626 $71,200 $534 $1,780 $697 $27,880 471 $21,360 $13.40 $12.04 1.8 1.1 McHenry County $579 McIntosh County 272 $62,700 $470 $1,568 $697 $27,880 21% $18,810 $13.40 $11.13 1.8 1.2 $851 0.5 2.3 $34.07 $16.37 $28,860 41% $34,040 $2,405 $722 $96,200 1,479 McKenzie County $1,771 21% $876 $74,400 $558 $1,860 $697 $27,880 880 $22,320 $13.40 $16.85 1.8 0.8 McLean County 17% Mercer County 633 $89,500 $671 $2,238 $725 $1,178 0.6 1.9 $22.65 $13.94 $26,850 $29,000 $869 $34,760 27% $28,980 $16.71 $13.58 2.3 1.2 $706 Morton County 3,367 $96,600 $725 $2,415 $82,000 973 $2,050 $1,023 $40,920 31% $24,600 $19.67 $23.00 2.7 0.9 $1,196 Mountrail County $615 $10.25 $68,100 $697 $27,880 24% $20,430 $13.40 $1,703 1.8 1.3 $533 367 $511 Nelson County $79,700 $598 $1,993 $867 $34,680 15% $23,910 Oliver County $30.31 2.3 0.6 $1,576 113 $16.67 770 $537 $1,790 $697 $27,880 24% $71,600 $13.40 $13.46 1.8 1.0 $700 Pembina County $21,480 $554 $754 $20,220 $14.50 $10.66 Pierce County 552 27% $30,160 2.0 1.4 $1,685 $506 $67,400 37% Ramsey County $70,700 $530 $1,768 $697 $27,880 1,862 $21,210 $13.40 $13.72 1.8 1.0 $714 1.0 $700 1.9 $13.47 $13.98 $21,630 33% Ransom County $727 $1,803 $541 $72,100 764 $29,080 $696 240 $86,600 $650 $2,165 $697 Renville County 24% $25,980 $13.40 $13.38 1.8 1.0 $27,880 $23,250 29% $27,880 $697 $1,938 $581 $77,500 1,920 Richland County 1.3 $10.54 $13.40 1.8 $548 $697 $27,880 32% $13,080 $13.40 $5.56 1.8 2.4 $289 Rolette County 1,537 $43,600 $327 $1,090 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 185

192 NORTH DAKOTA HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Sargent County $577 $1,923 $697 $27,880 26% $23,070 $13.40 $16.91 1.8 0.8 $880 464 $76,900 $17,310 Sheridan County $433 $1,443 $760 $30,400 21% $57,700 $14.62 $7.37 2.0 2.0 $383 145 $697 643 $39,200 $294 $980 1.3 $27,880 58% $11,760 $13.40 $10.37 1.8 Sioux County $539 $760 Slope County † $78,300 $587 $1,958 49 $30,400 16% $23,490 $14.62 2.0 $91,500 Stark County 3,926 $877 1.0 2.4 $16.87 $17.35 $27,450 34% $36,080 $902 $2,288 $686 Steele County $17.47 $21,780 $13.40 1.8 0.8 $908 22% $27,880 $697 $1,815 $545 $72,600 206 $29,480 1.2 3,161 $76,500 $574 $1,913 $737 Stutsman County 35% $22,950 $14.17 $11.59 2.0 $603 $406 1.7 1.8 $7.81 $13.40 $22,770 23% $27,880 $697 $1,898 $569 $75,900 227 Towner County $27,880 1.2 862 $80,600 $605 $2,015 $697 Traill County 26% $24,180 $13.40 $11.50 1.8 $598 $697 $27,880 26% $19,560 $13.40 $9.58 1.8 1.4 $498 Walsh County 1,247 $65,200 $489 $1,630 $26,130 10,567 $653 $2,178 $1,068 $42,720 39% $87,100 $20.54 $16.85 2.8 1.2 $876 Ward County Wells County $440 1.6 1.8 $8.46 $13.40 $20,010 397 $27,880 $697 $1,668 $500 $66,700 20% $1,362 4,410 $98,900 $742 $2,473 $1,009 Williams County 36% $29,670 $19.40 $26.19 2.7 0.7 $40,360 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 186 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

193 S TAT E S TAT E * RANKING RANKING # 44 OHIO In . Ohio , the Fair Market Rent (FMR) for a two-bedroom apartment is $793 $15.25 In order to afford this level of rent and utilities — without paying more than PER HOUR $2,644 30% of income on housing — a household must earn monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $31,723 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT OHIO: STATE FACTS 57 74 Work Hours Per Week At Work Hours Per Week At To Afford a Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom Minimum Wage $8.30 Rental Home (at FMR) (at FMR) Rental Home $13.32 Average Renter Wage $15.25 2-Bedroom Housing Wage 1.8 1.4 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,565,964 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a (at FMR) 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home Percent Renters 34% Two bedroom FMR $793 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $619 Rent affordable at Columbus HMFA $17.50 $1,724 area median income (AMI) Rent affordable with full-time job paying $693 Union County HMFA $17.10 mean renter wage Rent affordable at 30% of AMI $517 $16.25 Cincinnati HMFA Rent affordable with full-time job $432 paying minimum wage $15.88 Akron MSA Rent affordable to SSI recipient $225 $15.10 C leveland-Elyria MSA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 187

194 OHIO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Ohio 1,565,964 34% $31,723 1.8 1.1 $793 $1,724 $20,683 $13.32 $693 $15.25 $517 $68,942 Combined Nonmetro Areas $449 261,834 $1,497 $13.77 $11.47 1.7 1.2 $596 $716 $59,894 $17,968 $28,641 28% Metropolitan Areas 34% Akron MSA $73,200 $549 $1,830 $33,040 $826 $21,960 $15.88 $12.66 1.9 1.3 $658 95,521 $13.46 $16,530 25% $700 $487 1.4 1.6 $9.37 4,258 Brown County HMFA $55,100 $413 $1,378 $28,000 $566 49,463 1.3 1.7 $10.89 $13.79 $19,470 31% $28,680 $717 $1,623 $487 $64,900 Canton-Massillon MSA 36% 222,408 $78,300 $587 $1,958 $845 $33,800 Cincinnati HMFA $23,490 $16.25 $14.51 2.0 1.1 $755 $14.22 $15.10 35% 296,722 $740 1.1 1.8 $785 $1,768 $530 $70,700 Cleveland-Elyria MSA $21,210 $31,400 Columbus HMFA $573 $1,910 $910 $36,400 40% $76,400 $17.50 $15.31 2.1 1.1 $796 286,455 $22,920 37% $19,710 $14.71 $12.86 1.8 1.1 $669 120,958 Dayton MSA $65,700 $493 $1,643 $765 $30,600 2,980 Hocking County HMFA $56,200 $422 $1,405 $695 $27,800 26% $16,860 $13.37 $8.21 1.6 1.6 $427 $16,470 6,134 $54,900 $412 $1,373 $696 26% Huntington-Ashland HMFA $13.38 $8.91 1.6 1.5 $463 $27,840 1.6 $10.72 $13.37 $18,810 34% $695 $558 $1,568 $470 $62,700 Lima MSA 13,442 1.2 $27,800 $27,800 32% $18,060 $13.37 $11.01 1.6 1.2 $572 15,417 Mansfield MSA $60,200 $452 $1,505 $695 $13.37 Perry County HMFA $1,318 $695 $27,800 27% $15,810 $395 $8.27 1.6 1.6 $430 3,609 $52,700 18,913 $65,300 $490 $1,633 $731 $29,240 35% $19,590 $14.06 $10.94 1.7 1.3 $569 Springfield MSA $67,200 Toledo MSA $504 $1,680 $726 $29,040 37% $20,160 $13.96 $12.15 1.7 1.1 $632 91,333 $17.10 $83,500 $2,088 $889 $35,560 23% $25,050 $626 $15.18 2.1 1.1 $790 4,232 Union County HMFA 30% 1.3 $527 8,437 $27,800 $18,450 $13.37 $10.14 1.6 $695 $1,538 $461 $61,500 Weirton-Steubenville MSA 7,212 $19,710 $65,700 $493 $1,643 $695 $27,800 26% $13.37 $9.27 1.6 1.4 $482 Wheeling MSA Youngstown-Warren-Boardman HMFA $60,100 $451 $1,503 $695 $27,800 $544 31% $18,030 $13.37 $10.46 1.6 1.3 56,636 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 188 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

195 OHIO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 3,418 Adams County $455 1.5 1.6 $8.74 $13.37 $13,530 31% $27,800 $695 $1,128 $338 $45,100 34% $27,800 $1,568 $470 $62,700 13,442 Allen County $695 $18,810 $13.37 $10.72 1.6 1.2 $558 $28,560 Ashland County 5,820 $61,400 $461 $1,535 $714 $675 1.1 1.7 $12.98 $13.73 $18,420 29% 29% 1.5 $55,000 $413 $1,375 $695 $27,800 11,063 $16,500 $13.37 $9.04 1.6 Ashtabula County $470 44% $17,040 $467 1.6 1.8 $8.99 $14.77 $768 Athens County 9,812 $56,800 $426 $1,420 $30,720 $21,240 $13.67 $12.04 1.6 1.1 $626 25% $28,440 $711 $1,770 $531 $70,800 4,514 Auglaize County $482 7,212 $65,700 $493 $1,643 $695 Belmont County 26% $19,710 $13.37 $9.27 1.6 1.4 $27,800 1.4 1.6 $9.37 $13.46 $16,530 25% $28,000 $700 $1,378 $413 $55,100 4,258 Brown County $487 $33,800 1.3 42,245 $78,300 $587 $1,958 $845 Butler County 31% $23,490 $16.25 $12.49 2.0 $650 $28,680 20% $19,470 $13.79 $11.51 1.7 1.2 $599 Carroll County 2,216 $64,900 $487 $1,623 $717 27% $590 $63,700 $478 $1,593 $695 $27,800 4,076 $19,110 $13.37 $11.35 1.6 1.2 Champaign County $569 Clark County 18,913 $65,300 $490 $1,633 $731 $29,240 35% $19,590 $14.06 $10.94 1.7 1.3 $573 1.5 2.0 $11.02 $16.25 $23,490 26% $33,800 $845 $1,958 $587 $78,300 19,845 Clermont County 36% $698 $59,000 $443 $1,475 $741 $29,640 5,764 $17,700 $14.25 $13.43 1.7 1.1 Clinton County 28% Columbiana County 11,809 $59,200 $444 $1,480 $695 $514 1.4 1.6 $9.88 $13.37 $17,760 $27,800 $695 $27,800 25% $15,780 $13.37 $10.33 1.6 1.3 $537 Coshocton County 3,639 $52,600 $395 $1,315 $16,200 Crawford County $405 $1,350 $695 $27,800 30% $54,000 $13.37 $11.80 1.6 1.1 $613 5,326 41% 219,474 $70,700 $530 $1,768 $785 $31,400 $800 $21,210 $15.10 $15.38 1.8 1.0 Cuyahoga County 28% Darke County $57,800 $434 $1,445 $695 $27,800 5,800 $17,340 $13.37 $10.93 1.6 1.2 $569 $659 Defiance County 3,890 $62,400 $468 $1,560 $705 $28,200 25% $18,720 $13.56 $12.67 1.6 1.1 Delaware County $910 19% $22,920 $17.50 $12.42 2.1 1.4 $646 $36,400 $1,910 $573 $76,400 12,492 31% Erie County $60,000 $450 $1,500 $777 $31,080 9,756 $18,000 $14.94 $11.26 1.8 1.3 $586 29% Fairfield County 15,899 $76,400 $573 $1,910 $910 $36,400 $22,920 $17.50 $9.04 2.1 1.9 $470 Fayette County 4,495 $51,900 $389 $1,298 $753 $587 $30,120 39% $15,570 $14.48 $11.29 1.7 1.3 1.1 Franklin County 228,175 $76,400 $573 $1,910 $861 $36,400 47% $22,920 $17.50 $16.56 2.1 $910 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 189 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

196 OHIO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Fulton County $504 $1,680 $726 $29,040 22% $20,160 $13.96 $10.04 1.7 1.4 $522 3,580 $67,200 25% $27,800 1.3 1.6 $10.55 $13.37 $15,300 $549 $695 $1,275 $383 $51,000 2,897 Gallia County 5,084 Geauga County $1,768 $530 $70,700 $785 $31,400 15% $21,210 $15.10 $9.78 1.8 1.5 $509 $19,710 Greene County $493 $1,643 $765 $30,600 33% $65,700 $14.71 $11.99 1.8 1.2 $624 21,311 $524 4,368 $53,300 $400 $1,333 $695 $27,800 28% $15,990 $13.37 $10.09 1.6 1.3 Guernsey County $23,490 42% $15.43 2.0 1.1 $802 $845 $587 $78,300 141,984 Hamilton County $33,800 $16.25 $1,958 $725 9,664 $71,600 $537 $1,790 $726 Hancock County 31% $21,480 $13.96 $13.95 1.7 1.0 $29,040 1.1 1.6 $11.80 $13.50 $16,290 28% $28,080 $702 $1,358 $407 $54,300 3,229 Hardin County $614 $27,800 1.0 1,197 $54,800 $411 $1,370 $695 Harrison County 19% $16,440 $13.37 $13.31 1.6 $692 $27,800 20% $20,310 $13.37 $12.17 1.6 1.1 $633 Henry County 2,252 $67,700 $508 $1,693 $695 30% $424 $50,300 $377 $1,258 $695 $27,800 4,933 $15,090 $13.37 $8.15 1.6 1.6 Highland County $427 Hocking County 2,980 $56,200 $422 $1,405 $695 $27,800 26% $16,860 $13.37 $8.21 1.6 1.6 $695 1.1 1.6 $11.71 $13.37 $19,020 24% $27,800 $1,585 $476 $63,400 2,995 Holmes County $609 29% $599 $60,400 $453 $1,510 $695 $27,800 6,607 $18,120 $13.37 $11.52 1.6 1.2 Huron County 33% Jackson County 4,289 $51,900 $389 $1,298 $695 $543 1.3 1.6 $10.45 $13.37 $15,570 $27,800 $695 $27,800 30% $18,450 $13.37 $10.14 1.6 1.3 $527 Jefferson County 8,437 $61,500 $461 $1,538 6,753 Knox County $464 $1,545 $715 $28,600 29% $18,540 $13.75 $11.01 1.7 1.2 $572 $61,800 $15.10 24,946 $1,768 $785 $31,400 26% $21,210 $530 $12.84 1.8 1.2 $668 Lake County $70,700 6,134 $54,900 $412 $1,373 $696 $27,840 26% Lawrence County $13.38 $8.91 1.6 1.5 $463 $16,470 Licking County $76,400 $573 $1,910 $910 $36,400 18,169 $22,920 $17.50 $10.43 2.1 1.7 $542 28% $682 $756 $18,780 $14.54 $13.12 1.8 Logan County 27% $30,240 1.1 $1,565 $470 $62,600 4,979 29% Lorain County $70,700 $530 $1,768 $785 $31,400 33,725 $21,210 $15.10 $10.58 1.8 1.4 $550 1.1 $651 1.7 $12.51 $13.96 $20,160 40% Lucas County $726 $1,680 $504 $67,200 71,018 $29,040 $654 4,440 $76,400 $573 $1,910 $910 Madison County 30% $22,920 $17.50 $12.58 2.1 1.4 $36,400 $18,030 32% $27,800 $695 $1,503 $451 $60,100 30,915 Mahoning County 1.4 $9.89 $13.37 1.6 $514 $772 $30,880 32% $16,170 $14.85 $11.20 1.8 1.3 $582 Marion County 7,724 $53,900 $404 $1,348 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 190 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

197 OHIO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Medina County $530 $1,768 $785 $31,400 20% $21,210 $15.10 $10.86 1.8 1.4 $565 13,493 $70,700 22% $27,800 1.8 1.6 $7.47 $13.37 $14,910 $388 $695 $1,243 $373 $49,700 2,064 Meigs County 3,873 Mercer County $1,783 $535 $71,300 $695 $27,800 24% $21,390 $13.37 $10.08 1.6 1.3 $524 $19,710 Miami County $493 $1,643 $765 $30,600 30% $65,700 $14.71 $12.02 1.8 1.2 $625 12,362 $424 1,452 $50,600 $380 $1,265 $695 $27,800 24% $15,180 $13.37 $8.15 1.6 1.6 Monroe County $19,710 39% $13.18 1.8 1.1 $685 $765 $493 $65,700 87,285 Montgomery County $30,600 $14.71 $1,643 $470 1,381 $49,300 $370 $1,233 $695 Morgan County 23% $14,790 $13.37 $9.03 1.6 1.5 $27,800 1.9 2.1 $9.00 $17.50 $22,920 19% $36,400 $910 $1,910 $573 $76,400 2,347 Morrow County $468 $28,000 1.3 11,265 $58,500 $439 $1,463 $700 Muskingum County 33% $17,550 $13.46 $10.18 1.6 $529 $27,800 17% $16,230 $13.37 $9.38 1.6 1.4 $488 Noble County 806 $54,100 $406 $1,353 $695 22% $629 $68,100 $511 $1,703 $737 $29,480 3,797 $20,430 $14.17 $12.09 1.7 1.2 Ottawa County $597 Paulding County 1,696 $61,800 $464 $1,545 $695 $27,800 22% $18,540 $13.37 $11.48 1.6 1.2 $695 1.6 1.6 $8.27 $13.37 $15,810 27% $27,800 $1,318 $395 $52,700 3,609 Perry County $430 26% $548 $76,400 $573 $1,910 $910 $36,400 4,933 $22,920 $17.50 $10.54 2.1 1.7 Pickaway County 32% Pike County 3,463 $48,900 $367 $1,223 $695 $719 1.0 1.6 $13.82 $13.37 $14,670 $27,800 $826 $33,040 31% $21,960 $15.88 $10.75 1.9 1.5 $559 Portage County 19,250 $73,200 $549 $1,830 3,775 Preble County $446 $1,485 $714 $28,560 24% $17,820 $13.73 $9.93 1.7 1.4 $517 $59,400 $13.62 2,574 $1,890 $708 $28,320 20% $22,680 $567 $9.87 1.6 1.4 $513 Putnam County $75,600 15,417 $60,200 $452 $1,505 $695 $27,800 32% Richland County $13.37 $11.01 1.6 1.2 $572 $18,060 Ross County $59,500 $446 $1,488 $753 $30,120 8,240 $17,850 $14.48 $11.75 1.7 1.2 $611 29% $540 $695 $18,120 $13.37 $10.38 1.6 Sandusky County 26% $27,800 1.3 $1,510 $453 $60,400 6,246 32% Scioto County $49,300 $370 $1,233 $695 $27,800 9,418 $14,790 $13.37 $7.93 1.6 1.7 $412 1.3 $540 1.6 $10.39 $13.37 $17,760 28% Seneca County $695 $1,480 $444 $59,200 5,932 $27,800 $884 5,377 $71,000 $533 $1,775 $724 Shelby County 29% $21,300 $13.92 $17.00 1.7 0.8 $28,960 $19,470 31% $28,680 $717 $1,623 $487 $64,900 47,247 Stark County 1.3 $10.86 $13.79 1.7 $565 $826 $33,040 34% $21,960 $15.88 $13.01 1.9 1.2 $676 Summit County 76,271 $73,200 $549 $1,830 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 191 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

198 OHIO FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Trumbull County $451 $1,503 $695 $27,800 30% $18,030 $13.37 $11.25 1.6 1.2 $585 25,721 $60,100 $19,620 Tuscarawas County $491 $1,635 $750 $30,000 30% $65,400 $14.42 $12.25 1.7 1.2 $637 10,819 23% 4,232 $83,500 $626 $2,088 $889 $35,560 $790 $25,050 $17.10 $15.18 2.1 1.1 Union County $27,800 $564 1.6 $10.85 $13.37 $18,750 24% 1.2 $695 $1,563 $469 $62,500 2,742 Van Wert County 1.6 1.6 $8.13 $13.37 $14,880 24% $27,800 $1,240 $372 $49,600 1,164 Vinton County $695 $423 2.0 1.1 $772 $33,800 $23,490 $16.25 $845 23% $1,958 $587 $78,300 18,334 Warren County $14.85 $600 $456 Washington County 6,431 $60,800 $1,520 $695 $27,800 25% $18,240 $13.37 $11.54 1.6 1.2 $28,920 1.1 11,958 $68,800 $516 $1,720 $723 Wayne County 28% $20,640 $13.90 $12.57 1.7 $654 $695 $27,800 25% $17,250 $13.37 $11.44 1.6 1.2 $595 Williams County 3,844 $57,500 $431 $1,438 $603 33% 16,735 $67,200 $504 $1,680 $726 $29,040 $20,160 $13.96 $11.60 1.7 1.2 Wood County Wyandot County 2,448 $63,400 $476 $1,585 $695 1.1 $27,800 27% $19,020 $13.37 $12.67 1.6 $659 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 192 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

199 S TAT E S TAT E * RANKING RANKING 43 OKLAHOMA # , the Fair Market Rent (FMR) for a two-bedroom apartment is In Oklahoma $15.41 $801 . In order to afford this level of rent and utilities — without paying more PER HOUR than 30% of income on housing — a household must earn $2,671 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,047 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT OKLAHOMA: STATE FACTS 66 85 Work Hours Per Week At Work Hours Per Week At To Afford a Minimum Wage To Afford a 2-Bedroom Minimum Wage 1-Bedroom $7.25 Minimum Wage Rental Home (at FMR) Rental Home (at FMR) Average Renter Wage $13.92 $15.41 2-Bedroom Housing Wage 2.1 1.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 501,339 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 34% Two bedroom FMR $801 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $626 Rent affordable at Beckham County $17.33 $1,572 area median income (AMI) Rent affordable with full-time job paying $724 Oklahoma City HMFA $16.37 mean renter wage Rent affordable at 30% of AMI $472 $16.19 Tulsa HMFA Rent affordable with full-time job $377 paying minimum wage $15.67 Payne County Rent affordable to SSI recipient $237 $15.60 G reer County $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 193

200 OKLAHOMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Oklahoma $801 $18,863 $32,047 501,339 $1,572 34% 1.1 $62,875 $472 $724 $13.92 $15.41 2.1 Combined Nonmetro Areas $55,294 $16,588 $415 159,898 $1,382 $14.19 $12.51 32% 2.0 1.1 $650 $738 $29,506 Metropolitan Areas 569 Cotton County HMFA $60,300 $452 $1,508 $697 $27,880 24% $18,090 $13.40 $7.83 1.8 1.7 $407 29% $406 $52,900 $397 $1,323 $697 $27,880 Fort Smith HMFA $15,870 $13.40 $7.81 1.8 1.7 4,460 $499 1.4 1.8 $9.59 $13.40 $19,440 24% $27,880 $697 $1,620 $486 $64,800 Grady County HMFA 4,643 $18,450 $461 $61,500 $1,538 $742 $29,680 46% Lawton HMFA $14.27 $13.04 2.0 1.1 $678 19,587 4,970 1.4 1.8 $9.44 $13.40 $14,460 27% $27,880 $697 $1,205 $48,200 $491 Le Flore County HMFA $362 $58,200 2,807 $552 1.3 1.8 $10.62 $13.40 $17,460 22% $27,880 $697 $1,455 Lincoln County HMFA $437 37% 173,047 $69,400 $521 $1,735 $851 $34,040 Oklahoma City HMFA $20,820 $16.37 $14.51 2.3 1.1 $754 $1,290 1.8 $10.20 $13.40 $15,480 29% $27,880 $387 $51,600 Okmulgee County HMFA $697 4,371 $530 1.3 $13.40 $697 1,494 $647 1.1 1.8 $12.44 $1,433 $17,190 24% $27,880 Pawnee County HMFA $57,300 $430 1.1 125,493 $780 2.2 $15.00 $16.19 $20,130 35% $33,680 $842 $1,678 $503 $67,100 Tulsa HMFA Counties Adair County 2,366 $42,500 $319 $1,063 $697 $27,880 30% $12,750 $13.40 $10.66 1.8 1.3 $554 26% $741 $64,000 $480 $1,600 $697 $27,880 529 $19,200 $13.40 $14.24 1.8 0.9 Alfalfa County $447 $44,900 $337 $1,123 $697 $27,880 27% Atoka County $13,470 $13.40 $8.59 1.8 1.6 1,419 $19,560 Beaver County $65,200 $489 $1,630 $699 23% 475 $13.44 $17.27 1.9 0.8 $898 $27,960 $17.33 $14.56 2.4 1.2 $757 $1,693 $901 $36,040 36% $20,310 $508 $67,700 2,720 Beckham County 1.0 $1,378 25% $16,530 $13.40 $13.87 1.8 $27,880 $721 $697 $413 $55,100 921 Blaine County 2.0 Bryan County 5,892 $51,900 $389 $633 $1,298 $743 $29,720 35% $15,570 $14.29 $12.17 1.2 $609 $1,348 $404 $53,900 3,136 Caddo County $697 30% $16,170 $13.40 $11.71 1.8 1.1 $27,880 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 194 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

201 OKLAHOMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Canadian County $521 $1,735 $851 $34,040 23% $20,820 $16.37 $12.62 2.3 1.3 $656 10,044 $69,400 31% $30,320 1.1 2.0 $13.48 $14.58 $17,970 $701 $758 $1,498 $449 $59,900 5,541 Carter County 5,432 Cherokee County $1,350 $405 $54,000 $697 $27,880 33% $16,200 $13.40 $7.57 1.8 1.8 $394 $13,830 Choctaw County $346 $1,153 $697 $27,880 30% $46,100 $13.40 $8.15 1.8 1.6 $424 1,758 $814 263 $59,300 $445 $1,483 $697 $27,880 27% $17,790 $13.40 $15.66 1.8 0.9 Cimarron County $20,820 35% $10.25 2.3 1.6 $533 $851 $521 $69,400 35,176 Cleveland County $34,040 $16.37 $1,735 $433 641 $51,500 $386 $1,288 $697 Coal County 28% $15,450 $13.40 $8.32 1.8 1.6 $27,880 1.1 2.0 $13.04 $14.27 $18,450 46% $29,680 $742 $1,538 $461 $61,500 19,587 Comanche County $678 $27,880 1.7 569 $60,300 $452 $1,508 $697 Cotton County 24% $18,090 $13.40 $7.83 1.8 $407 $28,720 25% $15,030 $13.81 $10.81 1.9 1.3 $562 Craig County 1,350 $50,100 $376 $1,253 $718 25% $632 $67,100 $503 $1,678 $842 $33,680 6,607 $20,130 $16.19 $12.16 2.2 1.3 Creek County $674 Custer County 4,280 $56,700 $425 $1,418 $697 $27,880 41% $17,010 $13.40 $12.97 1.8 1.0 $697 1.4 1.8 $9.86 $13.40 $14,940 24% $27,880 $1,245 $374 $49,800 4,039 Delaware County $513 28% $789 $64,200 $482 $1,605 $731 $29,240 500 $19,260 $14.06 $15.17 1.9 0.9 Dewey County 22% Ellis County 359 $71,000 $533 $1,775 $777 $605 1.3 2.1 $11.64 $14.94 $21,300 $31,080 $767 $30,680 35% $18,150 $14.75 $19.17 2.0 0.8 $997 Garfield County 8,349 $60,500 $454 $1,513 3,231 Garvin County $401 $1,335 $697 $27,880 31% $16,020 $13.40 $14.13 1.8 0.9 $735 $53,400 $13.40 4,643 $1,620 $697 $27,880 24% $19,440 $486 $9.59 1.8 1.4 $499 Grady County $64,800 499 $64,000 $480 $1,600 $697 $27,880 25% Grant County $13.40 $20.52 1.8 0.7 $1,067 $19,200 Greer County $54,700 $410 $1,368 $811 $32,440 646 $16,410 $15.60 $8.89 2.2 1.8 $462 31% $641 $697 $12,120 $13.40 $12.32 1.8 Harmon County 29% $27,880 1.1 $1,010 $303 $40,400 344 20% Harper County $63,000 $473 $1,575 $697 $27,880 275 $18,900 $13.40 $12.48 1.8 1.1 $649 1.6 $430 1.8 $8.26 $13.40 $14,550 26% Haskell County $697 $1,213 $364 $48,500 1,239 $27,880 $472 1,059 $50,300 $377 $1,258 $697 Hughes County 25% $15,090 $13.40 $9.07 1.8 1.5 $27,880 $15,720 41% $28,960 $724 $1,310 $393 $52,400 4,186 Jackson County 1.2 $11.62 $13.92 1.9 $604 $697 $27,880 28% $13,470 $13.40 $12.08 1.8 1.1 $628 Jefferson County 684 $44,900 $337 $1,123 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 195 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

202 OKLAHOMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Johnston County $374 $1,245 $697 $27,880 29% $14,940 $13.40 $10.47 1.8 1.3 $544 1,194 $49,800 32% $28,480 1.0 1.9 $14.31 $13.69 $16,230 $744 $712 $1,353 $406 $54,100 5,762 Kay County 1,186 Kingfisher County $1,730 $519 $69,200 $722 $28,880 21% $20,760 $13.88 $16.23 1.9 0.9 $844 $15,570 Kiowa County $389 $1,298 $697 $27,880 31% $51,900 $13.40 $10.84 1.8 1.2 $564 1,244 $660 1,290 $52,600 $395 $1,315 $697 $27,880 32% $15,780 $13.40 $12.69 1.8 1.1 Latimer County $14,460 27% $9.44 1.8 1.4 $491 $697 $362 $48,200 4,970 Le Flore County $27,880 $13.40 $1,205 $552 2,807 $58,200 $437 $1,455 $697 Lincoln County 22% $17,460 $13.40 $10.62 1.8 1.3 $27,880 2.0 2.3 $8.25 $16.37 $20,820 21% $34,040 $851 $1,735 $521 $69,400 3,243 Logan County $429 $29,200 1.4 644 $56,400 $423 $1,410 $730 Love County 21% $16,920 $14.04 $10.08 1.9 $524 $34,040 21% $20,820 $16.37 $10.19 2.3 1.6 $530 McClain County 2,814 $69,400 $521 $1,735 $851 30% $606 $43,100 $323 $1,078 $697 $27,880 3,851 $12,930 $13.40 $11.65 1.8 1.2 McCurtain County $413 McIntosh County 1,875 $48,900 $367 $1,223 $697 $27,880 23% $14,670 $13.40 $7.95 1.8 1.7 $697 0.8 1.8 $16.37 $13.40 $20,160 25% $27,880 $1,680 $504 $67,200 736 Major County $851 24% $655 $50,100 $376 $1,253 $730 $29,200 1,424 $15,030 $14.04 $12.59 1.9 1.1 Marshall County 26% Mayes County 4,039 $54,600 $410 $1,365 $712 $676 1.1 1.9 $12.99 $13.69 $16,380 $28,480 $697 $27,880 33% $18,360 $13.40 $10.68 1.8 1.3 $555 Murray County 1,796 $61,200 $459 $1,530 8,688 Muskogee County $418 $1,393 $738 $29,520 33% $16,710 $14.19 $10.11 2.0 1.4 $526 $55,700 $13.40 1,236 $1,593 $697 $27,880 26% $19,110 $478 $14.51 1.8 0.9 $755 Noble County $63,700 987 $50,600 $380 $1,265 $800 $32,000 24% Nowata County $15.38 $10.01 2.1 1.5 $521 $15,180 Okfuskee County $48,100 $361 $1,203 $697 $27,880 1,078 $14,430 $13.40 $8.08 1.8 1.7 $420 27% $806 $851 $20,820 $16.37 $15.50 2.3 Oklahoma County 41% $34,040 1.1 $1,735 $521 $69,400 121,770 29% Okmulgee County $51,600 $387 $1,290 $697 $27,880 4,371 $15,480 $13.40 $10.20 1.8 1.3 $530 1.7 $510 2.2 $9.80 $16.19 $20,130 22% Osage County $842 $1,678 $503 $67,100 4,042 $33,680 $524 3,655 $47,300 $355 $1,183 $747 Ottawa County 31% $14,190 $14.37 $10.07 2.0 1.4 $29,880 $17,190 24% $27,880 $697 $1,433 $430 $57,300 1,494 Pawnee County 1.1 $12.44 $13.40 1.8 $647 $815 $32,600 51% $16,980 $15.67 $8.78 2.2 1.8 $457 Payne County 15,333 $56,600 $425 $1,415 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 196 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

203 OKLAHOMA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pittsburg County $425 $1,415 $780 $31,200 28% $16,980 $15.00 $12.13 2.1 1.2 $631 5,047 $56,600 36% $29,760 5,236 $59,000 $443 $1,475 $744 Pontotoc County $17,700 $14.31 $10.25 2.0 1.4 $533 $534 32% $29,600 1.4 2.0 $10.26 $14.23 $15,990 Pottawatomie County 8,185 $53,300 $400 $1,333 $740 Pushmataha County $463 1.5 1.8 $8.90 $13.40 $13,140 24% $27,880 $697 $1,095 $329 $43,800 1,116 $27,880 $618 362 $65,100 $488 $1,628 $697 Roger Mills County 27% $19,530 $13.40 $11.89 1.8 1.1 $16.19 $20,130 21% $663 1.3 2.2 $12.75 $842 $1,678 $503 $67,100 7,212 Rogers County $33,680 Seminole County $47,900 $359 $1,198 $697 $27,880 2,701 $14,370 $13.40 $10.70 1.8 1.3 $556 29% $27,880 29% $15,870 $13.40 $7.81 1.8 1.7 $406 Sequoyah County 4,460 $52,900 $397 $1,323 $697 $664 Stephens County 5,118 $59,100 $443 $1,478 $732 $29,280 29% $17,730 $14.08 $12.78 1.9 1.1 36% $687 2,544 $58,300 $437 $1,458 $30,240 Texas County $17,490 $14.54 $13.21 2.0 1.1 $756 $12.22 $13.40 $14,280 26% $697 $1,190 1.1 $357 $47,600 824 Tillman County $636 1.8 $27,880 $842 $33,680 41% $20,130 $16.19 $15.40 2.2 1.1 $801 Tulsa County 101,857 $67,100 $503 $1,678 $16.19 5,775 $1,678 $842 $33,680 21% $20,130 $503 $12.30 2.2 1.3 $639 $67,100 Wagoner County $63,100 Washington County $842 0.9 2.0 $16.20 $14.33 $18,930 30% $29,800 $745 $1,578 $473 6,222 Washita County $656 1.1 1.8 $12.62 $13.40 $18,540 28% $27,880 $697 $1,545 $464 $61,800 1,265 Woods County $78,400 $588 $1,960 $709 $28,360 1,056 $23,520 $13.63 $15.81 1.9 0.9 $822 32% $30,520 $21,720 $14.67 $15.59 2.0 0.9 $811 $763 $1,810 $543 $72,400 2,071 Woodward County 28% FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 197 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

204 S TAT E S TAT E * RANKING RANKING 17 # OREGON In Oregon , the Fair Market Rent (FMR) for a two-bedroom apartment is $21.26 . In order to afford this level of rent and utilities — without paying more $1,105 PER HOUR than 30% of income on housing — a household must earn $3,684 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $44,214 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT OREGON: STATE FACTS 79 65 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $10.75 (at FMR) Rental Home (at FMR) Rental Home $15.44 Average Renter Wage 2-Bedroom Housing Wage $21.26 2 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 597,158 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 39% Two bedroom FMR $1,105 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $904 Rent affordable at Portland-Vancouver-Hillsboro MSA $25.58 $1,771 area median income (AMI) Rent affordable with full-time job paying $803 Hood River County $20.96 mean renter wage Rent affordable at 30% of AMI $531 Wasco County $20.42 Rent affordable with full-time job $559 paying minimum wage $18.77 Corvallis MSA Rent affordable to SSI recipient $225 E ugene-Springfield MSA $18.60 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 198

205 OREGON FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Oregon $70,843 2.0 597,158 $1,105 $1,771 39% $44,214 $531 $15.44 $21.26 $803 1.4 $21,253 Combined Nonmetro Areas $801 $53,846 $16,154 $404 90,881 35% $1,346 $15.40 $11.71 1.4 1.3 $609 $32,037 Metropolitan Areas $669 1.4 1.6 $12.86 $17.62 $17,910 36% $36,640 $916 $1,493 $448 $59,700 16,110 Albany MSA 35% $522 $1,740 $965 $69,600 $38,600 $20,880 $18.56 $13.89 1.7 1.3 $723 23,567 Bend-Redmond MSA $2,103 1.7 $84,100 $631 14,632 $610 1.6 $976 $11.73 $18.77 $25,230 43% $39,040 Corvallis MSA 1.7 $64,100 $481 41% $19,230 $18.60 $12.86 $967 1.4 $669 60,482 $1,603 $38,680 Eugene-Springfield MSA $53,600 $1,340 11,838 $626 1.4 1.6 $12.04 $17.27 $16,080 34% $35,920 $898 $402 Grants Pass MSA $899 1.6 1.4 31,111 $12.68 $1,473 $442 $35,960 37% $17,670 $58,900 $17.29 $659 Medford MSA $17.84 291,913 $25.58 $24,420 40% $53,200 $1,330 $2,035 $611 $81,400 $928 1.4 2.4 Portland-Vancouver-Hillsboro MSA $632 1.4 1.6 $12.16 $17.04 $20,190 39% $35,440 $886 $67,300 $1,683 56,624 $505 Salem MSA Counties $28,160 $412 $54,900 2,280 Baker County $1,373 $704 33% $580 1.2 1.3 $11.15 $13.54 $16,470 43% $39,040 $976 $2,103 $631 $84,100 14,632 Benton County $610 1.6 1.7 $11.73 $18.77 $25,230 $24,420 Clackamas County $611 $2,035 $1,330 $53,200 31% $81,400 $25.58 $15.56 2.1 1.6 $809 47,026 Clatsop County 6,309 $62,000 $465 $1,550 $884 $35,360 40% $18,600 $17.00 $11.63 1.6 1.5 $605 5,335 $1,330 $53,200 28% $24,420 $25.58 $9.09 2.4 2.8 $473 $2,035 $611 $81,400 Columbia County 1.4 1.3 $1,268 $380 $50,700 $31,280 9,055 Coos County $586 $782 35% $15,210 $15.04 $11.26 $14.38 2,839 $1,343 $748 $29,920 31% $16,110 $403 $16.04 1.4 0.9 $834 $53,700 Crook County $51,800 Curry County $710 1.3 7 1. $13.65 $17.62 $15,540 34% $36,640 $916 $1,295 $389 3,533 $723 1.3 1.7 $13.89 $18.56 $20,880 35% $38,600 $965 $1,740 $522 $69,600 Deschutes County 23,567 Douglas County $52,100 $391 $1,303 $760 $30,400 14,249 $15,630 $14.62 $12.70 1.4 1.2 $660 32% $21.24 $13.94 $18,390 36% $29,000 $725 $1,533 $1,104 $460 $61,300 287 Gilliam County 1.3 0.7 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 199 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

206 OREGON FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Grant County $401 $1,338 $697 $27,880 27% $16,050 $13.40 $9.66 1.3 1.4 $502 858 $53,500 29% $27,880 1.3 1.3 $10.48 $13.40 $12,690 $545 $697 $1,058 $317 $42,300 899 Harney County 2,908 Hood River County $1,720 $516 $68,800 $1,090 $43,600 35% $20,640 $20.96 $11.31 1.9 1.9 $588 $17,670 Jackson County $442 $1,473 $899 $35,960 37% $58,900 $17.29 $12.68 1.6 1.4 $659 31,111 $622 2,364 $52,800 $396 $1,320 $697 $27,880 31% $15,840 $13.40 $11.96 1.3 1.1 Jefferson County $16,080 34% $12.04 1.6 1.4 $626 $898 $402 $53,600 11,838 Josephine County $35,920 $17.27 $1,340 $582 9,722 $52,700 $395 $1,318 $765 Klamath County 36% $15,810 $14.71 $11.18 1.4 1.3 $30,600 1.0 1.3 $12.97 $13.40 $13,710 38% $27,880 $697 $1,143 $343 $45,700 1,304 Lake County $675 $38,680 1.4 60,482 $64,100 $481 $1,603 $967 Lane County 41% $19,230 $18.60 $12.86 1.7 $669 $35,720 37% $16,260 $17.17 $11.92 1.6 1.4 $620 Lincoln County 7,541 $54,200 $407 $1,355 $893 36% $669 $59,700 $448 $1,493 $916 $36,640 16,110 $17,910 $17.62 $12.86 1.6 1.4 Linn County $456 Malheur County 4,194 $51,500 $386 $1,288 $697 $27,880 41% $15,450 $13.40 $8.77 1.3 1.5 $886 1.4 1.6 $12.51 $17.04 $20,190 40% $35,440 $1,683 $505 $67,300 46,466 Marion County $650 28% $832 $58,000 $435 $1,450 $697 $27,880 1,081 $17,400 $13.40 $16.00 1.3 0.8 Morrow County 46% Multnomah County 144,550 $81,400 $611 $2,035 $1,330 $887 1.5 1.3 $17.06 $25.58 $24,420 $53,200 $886 $35,440 35% $20,190 $17.04 $9.41 1.6 1.8 $490 Polk County 10,158 $67,300 $505 $1,683 $15.27 Sherman County $1,555 $794 $31,760 39% $18,660 $467 $13.79 1.5 1.1 $717 $62,200 310 30% $51,900 $389 $1,298 $839 $33,560 Tillamook County $15,570 $16.13 $11.28 1.5 1.4 $586 3,016 Umatilla County 9,738 $53,300 $400 $1,333 $745 $29,800 37% $15,990 $14.33 $10.98 1. 4 1.3 $571 $530 Union County 3,666 $56,800 $426 $1,420 $736 $29,440 36% $17,040 $14.15 $10.19 1. 4 1.4 977 32% $17,400 $13.40 $8.81 1. 3 1.5 $458 $435 $697 $27,880 Wallowa County $58,000 $1,450 36% Wasco County $54,600 $410 $1,365 $1,062 $42,480 3,573 $16,380 $20.42 $11.95 1.9 1.7 $622 $24,420 Washington County 83,546 $81,400 $611 $2,035 $1,330 $53,200 40% $25.58 $21.28 2. 1 1.2 $1,106 Wheeler County 178 $49,000 $368 $1,225 $697 $699 $27,880 26% $14,700 $13.40 $13.44 1. 3 1.0 2.1 Yamhill County 11,456 $81,400 $611 $2,035 $627 $53,200 33% $24,420 $25.58 $12.06 2.4 $1,330 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 200 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

207 S TAT E S TAT E * RANKING RANKING # 20 PENNSYLVANIA In Pennsylvania , the Fair Market Rent (FMR) for a two-bedroom apartment $19.53 $1,015 is . In order to afford this level of rent and utilities — without paying PER HOUR $3,385 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $40,616 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT PENNSYLVANIA: STATE FACTS 87 108 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $14.91 Average Renter Wage 2-Bedroom Housing Wage $19.53 2.2 2.7 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,536,223 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 31% Two bedroom FMR $1,015 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $823 Rent affordable at Philadelphia-Camden-Wilmington MSA $24.35 $1,893 area median income (AMI) Rent affordable with full-time job paying $775 Pike County HMFA $23.67 mean renter wage Rent affordable at 30% of AMI $568 $20.63 East Stroudsburg MSA Rent affordable with full-time job $377 paying minimum wage $20.15 Allentown-Bethlehem-Easton HMFA Rent affordable to SSI recipient $232 $19.98 H arrisburg-Carlisle MSA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 201

208 PENNSYLVANIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Pennsylvania 1,536,223 31% $40,616 2.7 1.3 $1,015 $1,893 $22,717 $14.91 $775 $19.53 $568 $75,722 Combined Nonmetro Areas $445 149,452 $1,483 $13.89 $10.76 1.9 1.3 $559 $722 $59,334 $17,800 $28,889 25% Metropolitan Areas $41,920 Allentown-Bethlehem-Easton HMFA $74,600 $560 $1,865 $1,048 1.4 31% $22,380 $20.15 $14.01 2.8 $729 84,522 $14.88 $19,530 $774 14,945 $542 1.4 29% 2.1 $10.42 Altoona MSA $65,100 $488 $1,628 $30,960 1.2 $28,440 24% $17,550 $13.67 $11.08 1.9 6,877 $576 Armstrong County HMFA $58,500 $439 $1,463 $711 $645 17,217 1.4 2.4 $12.40 $17.33 $21,390 29% $36,040 $901 $1,783 $535 $71,300 Chambersburg-Waynesboro MSA $17,940 $31,680 $15.23 Columbia County HMFA $59,800 $449 30% $1,495 $9.93 2.1 1.5 $516 8,013 $792 $20.63 $1,853 East Stroudsburg MSA $1,073 $42,920 23% $22,230 $74,100 $11.51 2.8 1.8 $598 12,903 $556 34% $19,110 $14.67 $10.91 2.0 1.3 $567 37,575 Erie MSA $63,700 $478 $1,593 $763 $30,520 $536 8,510 $74,900 $562 $1,873 $940 $37,600 22% $22,470 $18.08 $10.30 2.5 1.8 Gettysburg MSA $41,560 72,494 2.8 $15.14 $19.98 $22,560 32% 1.3 $1,039 $1,880 $564 $75,200 Harrisburg-Carlisle MSA $787 14,827 1.5 1.8 $9.06 $13.40 $19,260 26% $27,880 $697 $1,605 $482 $64,200 Johnstown MSA $471 32% $688 $73,800 $554 $1,845 $994 $39,760 Lancaster MSA $22,140 $19.12 $13.24 2.6 1.4 61,916 $34,760 30% $21,030 $16.71 $12.21 2.3 1.4 $635 15,897 Lebanon MSA $70,100 $526 $1,753 $869 $17.02 Montour County HMFA $1,780 $885 $35,400 27% $21,360 $534 $18.95 2.3 0.9 $986 2,019 $71,200 526,910 $87,400 $656 $2,185 $1,266 $50,640 35% $26,220 $24.35 $18.63 3.4 1.3 $969 Philadelphia-Camden-Wilmington MSA * $552 Pike County HMFA $73,600 $1,840 $1,231 $49,240 16% $22,080 $23.67 $8.27 3.3 2.9 $430 3,342 $17.00 $570 $1,900 $884 $35,360 30% $22,800 Pittsburgh HMFA $14.65 2.3 1.2 $762 292,855 $76,000 28% Reading MSA $652 42,979 $36,360 $21,570 $17.48 $12.54 2.4 1.4 $909 $1,798 $539 $71,900 $16.04 $66,700 $500 $1,668 $834 $33,360 32% $20,010 Scranton-Wilkes-Barre MSA $11.26 2.2 1.4 $585 72,196 $19,410 12,059 $485 $1,618 $721 $28,840 27% $64,700 $13.87 $11.11 1.9 1.2 $578 Sharon HMFA * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 202 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

209 PENNSYLVANIA FY18 HOUSING WAGE RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% 2 BR Annual afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $19.04 $553 1.8 2.6 $10.64 $2,060 $24,720 39% $39,600 $990 22,241 State College MSA $82,400 $618 $15.73 $572 1.4 2.2 $10.99 Williamsport MSA $20,010 30% $32,720 $1,668 $500 $66,700 13,598 $818 York-Hanover MSA $557 $1,858 $946 $37,840 26% $74,300 $18.19 $12.53 2.5 1.5 $652 42,876 $22,290 Counties Adams County $74,900 $940 $37,600 22% $22,470 $18.08 $10.30 2.5 1.8 $536 $562 8,510 $1,873 $570 $16.34 $884 $35,360 35% $22,800 $17.00 $76,000 2.3 1.0 $850 Allegheny County 187,450 $1,900 $11.08 $58,500 $711 $28,440 24% $17,550 $13.67 $1,463 1.9 6,877 1.2 $576 Armstrong County $439 27% $76,000 $570 $1,900 $884 $35,360 Beaver County $22,800 $17.00 $11.19 2.3 1.5 $582 18,741 Bedford County $58,500 $439 $1,463 $697 $27,880 20% $17,550 $13.40 $9.39 1.8 1.4 $488 3,985 $21,570 42,979 $539 $1,798 $909 $36,360 28% $71,900 $17.48 $12.54 2.4 1.4 $652 Berks County Blair County 14,945 $542 1.4 2.1 $10.42 $14.88 $19,530 29% $30,960 $774 $1,628 $488 $65,100 Bradford County $18,990 $14.35 $12.70 2.0 1.1 $660 $29,840 $746 $1,583 $475 $63,300 6,173 25% 23% $690 $87,400 $656 $2,185 $1,266 $50,640 54,763 $26,220 $24.35 $13.26 3.4 1.8 Bucks County * $621 Butler County 17,407 $76,000 $570 $1,900 $884 $35,360 23% $22,800 $17.00 $11.93 2.3 1.4 $471 $9.06 Cambria County 14,827 $64,200 $482 $1,605 $697 $27,880 26% $19,260 $13.40 1.8 1.5 $16,170 Cameron County $404 $1,348 $697 $27,880 31% $53,900 $13.40 $10.82 1.8 1.2 $562 679 Carbon County 5,675 $74,600 $560 $1,865 $1,048 $41,920 22% $22,380 $20.15 $10.09 2.8 2.0 $524 1.8 Centre County 22,241 $82,400 $618 $2,060 $990 $39,600 39% $24,720 $19.04 $10.64 2.6 $553 $1,266 $50,640 25% $26,220 $24.35 $18.01 3.4 1.4 $936 Chester County * 46,194 $87,400 $656 $2,185 $8.04 $58,700 $697 $27,880 31% $17,610 $13.40 $1,468 Clarion County 4,860 1.8 1.7 $418 $440 $498 7,064 $57,900 $434 $1,448 $716 $28,640 23% $17,370 $13.77 $9.59 1.9 1.4 Clearfield County $18,270 Clinton County 4,316 $563 1.4 2.0 $10.83 $60,900 29% $30,680 $767 $1,523 $457 $14.75 $516 8,013 $59,800 $449 $1,495 $792 $31,680 30% $17,940 $15.23 $9.93 2.1 1.5 Columbia County 26% Crawford County $58,900 $442 $1,473 $703 $28,120 9,146 $17,670 $13.52 $10.78 1.9 1.3 $561 $14.45 $19.98 $22,560 29% $41,560 $1,039 $1,880 1.4 $564 $75,200 28,383 Cumberland County $751 2.8 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 203

210 PENNSYLVANIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Dauphin County $564 $1,880 $1,039 $41,560 37% $22,560 $19.98 $15.95 2.8 1.3 $829 40,505 $75,200 $50,640 31% 1.5 3.4 $15.78 $24.35 $26,220 $821 $1,266 $2,185 $656 $87,400 62,318 Delaware County * 2,859 Elk County $1,570 $471 $62,800 $697 $27,880 21% $18,840 $13.40 $11.39 1.8 1.2 $592 $19,110 Erie County $478 $1,593 $763 $30,520 34% $63,700 $14.67 $10.91 2.0 1.3 $567 37,575 $489 14,666 $76,000 $570 $1,900 $884 $35,360 27% $22,800 $17.00 $9.41 2.3 1.8 Fayette County $716 $28,640 $13.77 1.9 $362 $48,200 278 Forest County † $14,460 15% $1,205 $645 17,217 $71,300 $535 $1,783 $901 Franklin County 29% $21,390 $17.33 $12.40 2.4 1.4 $36,040 1.0 1.8 $14.00 $13.40 $18,000 22% $27,880 $697 $1,500 $450 $60,000 1,300 Fulton County $728 $28,320 0.8 3,917 $60,300 $452 $1,508 $708 Greene County 27% $18,090 $13.62 $16.22 1.9 $844 $27,880 25% $17,130 $13.40 $9.71 1.8 1.4 $505 Huntingdon County 4,176 $57,100 $428 $1,428 $697 29% $529 $64,700 $485 $1,618 $777 $31,080 9,917 $19,410 $14.94 $10.17 2.1 1.5 Indiana County $506 Jefferson County 4,618 $55,500 $416 $1,388 $697 $27,880 25% $16,650 $13.40 $9.72 1.8 1.4 $697 1.3 1.8 $10.07 $13.40 $18,090 $27,880 24% $1,508 $452 $60,300 2,262 Juniata County $524 34% $581 $66,700 $500 $1,668 $834 $33,360 29,057 $20,010 $16.04 $11.18 2.2 1.4 Lackawanna County 32% Lancaster County 61,916 $73,800 $554 $1,845 $994 $688 1.4 2.6 $13.24 $19.12 $22,140 $39,760 $743 $29,720 26% $17,310 $14.29 $9.88 2.0 1.4 $514 Lawrence County 9,547 $57,700 $433 $1,443 $70,100 15,897 $1,753 $869 $34,760 30% $21,030 $16.71 $12.21 2.3 1.4 $635 Lebanon County $526 $15.09 $74,600 $1,048 $41,920 34% $22,380 $20.15 $1,865 2.8 1.3 $785 46,303 $560 Lehigh County $66,700 $500 $1,668 $834 $33,360 32% $20,010 Luzerne County $11.19 2.2 1.4 $582 40,851 $16.04 13,598 $500 $1,668 $818 $32,720 30% $66,700 $15.73 $10.99 2.2 1.4 $572 Lycoming County $20,010 $507 $697 $16,950 $13.40 $9.75 McKean County 4,443 26% $27,880 1.8 1.4 $1,413 $424 $56,500 27% Mercer County $64,700 $485 $1,618 $721 $28,840 12,059 $19,410 $13.87 $11.11 1.9 1.2 $578 1.1 $630 1.8 $12.12 $13.40 $15,570 30% Mifflin County $697 $1,298 $389 $51,900 5,577 $27,880 $598 12,903 $74,100 $556 $1,853 $1,073 Monroe County 23% $22,230 $20.63 $11.51 2.8 1.8 $42,920 $26,220 28% $50,640 $1,266 $2,185 $656 $87,400 86,255 Montgomery County * 1.3 $18.63 $24.35 3.4 $969 $885 $35,400 27% $21,360 $17.02 $18.95 2.3 0.9 $986 Montour County 2,019 $71,200 $534 $1,780 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 204

211 PENNSYLVANIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Northampton County $560 $1,865 $1,048 $41,920 29% $22,380 $20.15 $12.71 2.8 1.6 $661 32,544 $74,600 $587 $698 $1,498 $449 $59,900 11,356 Northumberland County $27,920 29% $17,970 $13.42 $11.29 1.9 1.2 20% $478 $75,200 $564 $1,880 $1,039 $41,560 3,606 $22,560 $19.98 $9.19 2.8 2.2 Perry County Philadelphia County * $1,152 1.1 3.4 $22.15 $24.35 $26,220 48% $50,640 $1,266 $2,185 $656 $87,400 277,380 $49,240 $430 3,342 $73,600 $552 $1,840 $1,231 Pike County 16% $22,080 $23.67 $8.27 3.3 2.9 $697 $16,290 $27,880 Potter County 1,535 $54,300 $407 23% $1,358 $13.40 $11.30 1.8 1.2 $588 $17,940 $59,800 $449 $1,495 $698 $27,920 25% Schuylkill County $13.42 $11.42 1.9 1.2 $594 14,857 $525 3,928 $60,400 $453 $1,510 $759 $30,360 27% $18,120 $14.60 $10.10 2.0 1.4 Snyder County $27,880 22% $16,680 $13.40 $9.99 1.8 1.3 $520 Somerset County 6,433 $55,600 $417 $1,390 $697 $27,880 $512 461 $58,200 $437 $1,455 $697 Sullivan County 17% $17,460 $13.40 $9.85 1.8 1.4 $758 2.0 $10.03 $14.58 $18,810 23% $30,320 $522 $1,568 $470 $62,700 4,023 Susquehanna County 1.5 $29,840 1.2 4,175 $58,700 $440 $1,468 $746 Tioga County 26% $17,610 $14.35 $11.80 2.0 $614 $793 $31,720 29% $19,320 $15.25 $12.05 2.1 1.3 $627 Union County 4,254 $64,400 $483 $1,610 $17,250 Venango County $431 $1,438 $697 $27,880 24% $57,500 $13.40 $9.86 1.8 1.4 $513 5,356 $580 3,951 $59,600 $447 $1,490 $697 $27,880 23% $17,880 $13.40 $11.15 1.8 1.2 Warren County $76,000 Washington County 20,555 $570 $1,900 $884 $35,360 25% $22,800 $17.00 $14.48 2.3 1.2 $753 $19,260 $64,200 $482 $1,605 $839 $33,560 21% Wayne County $16.13 $9.18 2.2 1.8 $477 4,006 $35,360 Westmoreland County 1.6 $538 $884 23% $22,800 $17.00 $10.34 2.3 $1,900 $570 $76,000 34,036 $20,010 2,288 $66,700 $500 $1,668 $834 $33,360 21% Wyoming County $16.04 $13.10 2.2 1.2 $681 26% $652 $74,300 $557 $1,858 $946 $37,840 42,876 $22,290 $18.19 $12.53 2.5 1.5 York County * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 205 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

212 S TAT E S TAT E * RANKING RANKING 52 # PUERTO RICO In Puerto Rico , the Fair Market Rent (FMR) for a two-bedroom apartment is $9.24 . In order to afford this level of rent and utilities — without paying more $480 PER HOUR than 30% of income on housing — a household must earn $1,601 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $19,216 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT PUERTO RICO: STATE FACTS 51 43 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $7.25 Average Renter Wage 2-Bedroom Housing Wage $9.24 1.3 1.1 Number of Full-Time Jobs At Number of Full-Time Jobs At 388,445 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage 2-Bedroom Rental Home (at FMR) (at FMR) 1-Bedroom Rental Home Percent Renters 31% Two bedroom FMR $480 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $403 Rent affordable at $10.19 San Juan-Guaynabo HMFA $606 area median income (AMI) Rent affordable with full-time job paying $377 $9.73 Mayagüez MSA mean renter wage Rent affordable at 30% of AMI $182 Fajardo HMFA $9.65 Rent affordable with full-time job $377 paying minimum wage $8.98 Caguas HMFA Rent affordable to SSI recipient $0 P once HMFA $8.42 $1,000 $500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 206

213 PUERTO RICO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Puerto Rico 388,445 $24,242 1.3 $19,216 $480 $606 $9.24 $7,273 $182 $377 31% 1.3 $7.25 Combined Nonmetro Areas $389 13,963 $538 $7.48 $6.26 1.0 1.2 $325 $15,560 $21,500 $6,450 $161 27% Metropolitan Areas $16,160 $360 1.1 $18,600 $140 $465 $404 1.1 34% $5,580 $7.77 $6.92 33,541 Aguadilla-Isabela HMFA 1.4 $301 17,302 $20,600 $155 $515 $417 $16,680 30% $6,180 $8.02 $5.80 1.1 Arecibo HMFA $443 9,282 1.0 $17,700 $133 $311 $389 $15,560 27% $5,310 $7.48 $5.98 1.3 Barranquitas-Aibonito HMFA 28% $203 $678 $467 $18,680 $390 $8,130 $8.98 $7.49 1.2 1.2 $27,100 31,067 Caguas HMFA $6,870 $22,900 $573 $502 $20,080 30% $172 $9.65 $6.56 1.3 1.5 $341 7,308 Fajardo HMFA $7.75 $20,200 $505 $403 $16,120 26% $6,060 $152 $7.53 1.1 1.0 $392 7,217 Guayama MSA $19,300 $145 $483 $506 $20,240 38% $5,790 $9.73 $4.23 1.3 2.3 $220 13,966 Mayagüez MSA $20,800 $438 $17,520 32% $6,240 $8.42 $5.76 1.2 1.5 $300 25,075 $156 $520 Ponce HMFA $268 40% $5,490 $7.50 $5.16 1.0 1.5 $15,600 3,486 $137 $18,300 $458 $390 Quebradillas Municipio HMFA 36% $5,760 $7.63 $5.83 1.1 1.3 $303 16,215 $19,200 $144 $480 $397 $15,880 San German MSA 32% $10.19 $7.84 1.4 1.3 $407 199,135 $8,220 $27,400 $206 $685 $530 $21,200 San Juan-Guaynabo HMFA $415 1.1 1.7 $245 3,481 $16,600 35% $500 $150 $20,000 $6,000 $4.72 $7.98 Utuado Municipio HMFA $428 7,407 $280 1.4 1.0 $5.38 $7.48 $5,130 24% $389 $15,560 $17,100 $128 Yauco HMFA Counties $7.48 2,972 $538 $389 $15,560 47% $6,450 $161 $6.36 1.0 1.2 $331 Adjuntas Municipio $21,500 Aguada Municipio $18,600 $140 $465 $404 $16,160 25% $5,580 $7.77 $4.73 1.1 1.6 $246 3,237 Aguadilla Municipio 8,028 $366 1.1 1.1 $7.04 $7.77 $5,580 38% $16,160 $404 $465 $140 $18,600 $8,220 Aguas Buenas Municipio $206 $685 $530 $21,200 33% $27,400 $10.19 $4.99 1.4 2.0 $259 2,879 Aibonito Municipio 1,688 $17,700 $133 $443 $389 $15,560 $386 1.0 1.0 $7.43 $7.48 $5,310 20% † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 207

214 PUERTO RICO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Añasco Municipio $140 $465 $404 $16,160 22% $5,580 $7.77 $10.30 1.1 0.8 $535 2,078 $18,600 32% $16,680 1.4 1.1 $5.87 $8.02 $6,180 $305 $417 $515 $155 $20,600 10,210 Arecibo Municipio 1,441 Arroyo Municipio $505 $152 $20,200 $403 $16,120 23% $6,060 $7.75 $7.86 1.1 1.0 $409 $8,220 Barceloneta Municipio $206 $685 $530 $21,200 21% $27,400 $10.19 $8.79 1.4 1.2 $457 1,770 $233 2,262 $17,700 $133 $443 $389 $15,560 24% $5,310 $7.48 $4.49 1.0 1.7 Barranquitas Municipio $8,220 31% $6.17 1.4 1.7 $321 $530 $206 $27,400 21,924 Bayamón Municipio $21,200 $10.19 $685 $254 7,118 $19,200 $144 $480 $397 Cabo Rojo Municipio 42% $5,760 $7.63 $4.88 1.1 1.6 $15,880 1.3 1.2 $6.93 $8.98 $8,130 31% $18,680 $467 $678 $203 $27,100 15,831 Caguas Municipio $360 $16,680 1.5 3,489 $20,600 $155 $515 $417 Camuy Municipio 30% $6,180 $8.02 $5.32 1.1 $277 $21,200 23% $8,220 $10.19 $6.35 1.4 1.6 $330 Canóvanas Municipio 3,432 $27,400 $206 $685 $530 31% $405 $27,400 $206 $685 $530 $21,200 20,224 $8,220 $10.19 $7.79 1.4 1.3 Carolina Municipio $341 Cataño Municipio 3,504 $27,400 $206 $685 $530 $21,200 38% $8,220 $10.19 $6.56 1.4 1.6 $467 1.0 1.2 $8.75 $8.98 $8,130 33% $18,680 $678 $203 $27,100 5,509 Cayey Municipio $455 24% $440 $22,900 $172 $573 $502 $20,080 1,097 $6,870 $9.65 $8.45 1.3 1.1 Ceiba Municipio 35% Ciales Municipio 2,033 $17,700 $133 $443 $389 $236 1.6 1.0 $4.54 $7.48 $5,310 $15,560 $467 $18,680 26% $8,130 $8.98 $9.31 1.2 1.0 $484 Cidra Municipio 3,527 $27,100 $203 $678 $6,450 Coamo Municipio $161 $538 $389 $15,560 23% $21,500 $7.48 $5.36 1.0 1.4 $279 3,162 Comerío Municipio 2,262 $27,400 $206 $685 $530 $21,200 36% $8,220 $10.19 $4.59 1.4 2.2 $239 1.5 Corozal Municipio $27,400 $206 $685 $530 $21,200 22% $8,220 $10.19 $6.95 1.4 2,373 $361 $389 Culebra Municipio † $21,500 $161 $538 182 $15,560 36% $6,450 $7.48 1.0 $8,220 1.4 1.3 $413 Dorado Municipio 2,817 $27,400 $206 $685 $530 $21,200 23% $10.19 $7.93 $9.65 4,165 $573 $502 $20,080 33% $6,870 $172 $6.70 1.3 1.4 $349 $22,900 Fajardo Municipio $27,400 Florida Municipio $237 2.2 1.4 $4.56 $10.19 $8,220 26% $21,200 $530 $685 $206 1,105 $15,560 $348 1.1 1.0 $6.70 $7.48 $5,130 26% $389 $428 $128 $17,100 1,434 Guánica Municipio Guayama Municipio $20,200 $152 $505 $403 $16,120 3,935 $6,060 $7.75 $7.64 1.1 1.0 $397 26% 1.5 $263 $428 $15,560 $128 28% $17,100 1,852 Guayanilla Municipio $389 $7.48 $5.05 1.0 $5,130 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 208 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

215 PUERTO RICO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Guaynabo Municipio $206 $685 $530 $21,200 27% $8,220 $10.19 $9.07 1.4 1.1 $472 9,229 $27,400 15% $18,680 1.4 1.2 $6.62 $8.98 $8,130 $344 $467 $678 $203 $27,100 2,394 Gurabo Municipio 3,603 Hatillo Municipio $515 $155 $20,600 $417 $16,680 25% $6,180 $8.02 $5.80 1.1 1.4 $301 $5,790 Hormigueros Municipio $145 $483 $506 $20,240 24% $19,300 $9.73 $4.40 1.3 2.2 $229 1,515 $466 4,827 $27,400 $206 $685 $530 $21,200 26% $8,220 $10.19 $8.97 1.4 1.1 Humacao Municipio $5,580 36% $7.55 1.1 1.0 $393 $404 $140 $18,600 5,473 Isabela Municipio $16,160 $7.77 $465 $535 1,592 $21,500 $161 $538 $389 Jayuya Municipio 34% $6,450 $7.48 $10.29 1.0 0.7 $15,560 1.1 1.2 $7.39 $8.42 $6,240 24% $17,520 $438 $520 $156 $20,800 3,888 Juana Díaz Municipio $384 $21,200 0.7 3,512 $27,400 $206 $685 $530 Juncos Municipio 28% $8,220 $10.19 $15.16 1.4 $788 $15,880 46% $5,760 $7.63 $5.27 1.1 1.4 $274 Lajas Municipio 3,850 $19,200 $144 $480 $397 44% $304 $18,600 $140 $465 $404 $16,160 4,512 $5,580 $7.77 $5.84 1.1 1.3 Lares Municipio $124 Las Marías Municipio 1,068 $21,500 $161 $538 $389 $15,560 34% $6,450 $7.48 $2.38 1.0 3.1 $530 1.3 1.4 $7.68 $10.19 $8,220 28% $21,200 $685 $206 $27,400 3,650 Las Piedras Municipio $399 27% $281 $27,400 $206 $685 $530 $21,200 2,406 $8,220 $10.19 $5.40 1.4 1.9 Loíza Municipio 31% Luquillo Municipio 2,046 $22,900 $172 $573 $502 $256 2.0 1.3 $4.92 $9.65 $6,870 $20,080 $530 $21,200 28% $8,220 $10.19 $7.28 1.4 1.4 $379 Manatí Municipio 4,428 $27,400 $206 $685 $21,500 501 $538 $389 $15,560 26% $6,450 $7.48 $5.19 1.0 1.4 $270 Maricao Municipio $161 $5.48 $17,700 $389 $15,560 29% $5,310 $7.48 $443 1.0 1.4 $285 1,190 $133 Maunabo Municipio $19,300 $145 $483 $506 $20,240 41% $5,790 Mayagüez Municipio $4.22 1.3 2.3 $219 12,451 $9.73 3,962 $140 $465 $404 $16,160 32% $18,600 $7.77 $6.37 1.1 1.2 $331 Moca Municipio $5,580 $298 $530 $8,220 $10.19 $5.72 Morovis Municipio 2,679 27% $21,200 1.4 1.8 $685 $206 $27,400 21% Naguabo Municipio $27,400 $206 $685 $530 $21,200 1,761 $8,220 $10.19 $2.83 1.4 3.6 $147 1.2 $451 1.4 $8.67 $10.19 $8,220 22% Naranjito Municipio $530 $685 $206 $27,400 1,910 $21,200 $242 2,109 $17,700 $133 $443 $389 Orocovis Municipio 31% $5,310 $7.48 $4.64 1.0 1.6 $15,560 $6,060 29% $16,120 $403 $505 $152 $20,200 1,841 Patillas Municipio 1.3 $5.95 $7.75 1.1 $309 $389 $15,560 24% $5,130 $7.48 $6.78 1.0 1.1 $352 Peñuelas Municipio 1,749 $17,100 $128 $428 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 209

216 PUERTO RICO FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Ponce Municipio $156 $520 $438 $17,520 35% $6,240 $8.42 $5.36 1.2 1.6 $279 19,274 $20,800 $15,600 $268 1.0 $5.16 $7.50 $5,490 40% 1.5 $390 Quebradillas Municipio 3,486 $18,300 $137 $458 $16,160 $234 1.7 1.1 $4.51 $7.77 $5,580 $404 $465 $140 $18,600 1,137 Rincón Municipio 22% $349 3,705 $27,400 $206 $685 $530 Río Grande Municipio 23% $8,220 $10.19 $6.71 1.4 1.5 $21,200 Sabana Grande Municipio $276 1.4 1.1 $5.31 $7.63 $5,760 24% $15,880 $397 $480 $144 $19,200 1,789 $6,450 $15,560 Salinas Municipio 1,961 $21,500 $161 $538 $7.48 $5.55 1.0 1.3 $289 $389 18% $19,200 $7.63 San Germán Municipio $350 1.1 1.1 $6.74 3,458 $5,760 28% $15,880 $397 $480 $144 $8,220 69,642 San Juan Municipio $685 $530 $21,200 47% $206 $10.19 $8.07 1.4 1.3 $420 $27,400 $18,680 28% $8,130 $8.98 $10.26 1.2 0.9 $534 San Lorenzo Municipio 3,806 $27,100 $203 $678 $467 1.4 $279 5,114 $18,600 $140 $465 $404 $16,160 37% $5,580 $7.77 $5.37 1.1 San Sebastián Municipio $389 $279 $5.36 $7.48 $6,450 27% $15,560 1.0 $538 $161 $21,500 2,080 Santa Isabel Municipio 1.4 $262 2.0 1.4 $5.03 $10.19 $8,220 15% $530 $685 $206 $27,400 3,250 Toa Alta Municipio $21,200 $21,200 1.4 7,849 $27,400 $206 $685 $530 Toa Baja Municipio 28% $8,220 $10.19 $7.24 1.4 $376 $530 $21,200 33% $8,220 $10.19 $4.74 1.4 2.2 $246 Trujillo Alto Municipio 8,057 $27,400 $206 $685 $6,000 Utuado Municipio $150 $500 $415 $16,600 35% $20,000 $7.98 $4.72 1.1 1.7 $245 3,481 $360 3,648 $27,400 $206 $685 $530 $21,200 29% $8,220 $10.19 $6.92 1.4 1.5 Vega Alta Municipio $27,400 Vega Baja Municipio 2,923 $206 $685 $530 $21,200 17% $8,220 $10.19 $10.55 1.4 1.0 $549 $6,450 $21,500 $161 $538 $389 $15,560 17% Vieques Municipio $7.48 $10.74 1.0 0.7 $558 445 $17,520 Villalba Municipio 0.9 $467 $438 24% $6,240 $8.42 $8.97 1.2 $520 $156 $20,800 1,913 $8,220 3,369 $27,400 $206 $685 $530 $21,200 28% Yabucoa Municipio $10.19 $4.84 1.4 2.1 $252 22% $231 $17,100 $128 $428 $389 $15,560 2,372 $5,130 $7.48 $4.45 1.0 1.7 Yauco Municipio † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 210 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

217 S TAT E S TAT E * RANKING RANKING RHODE ISLAND 19 # Rhode Island , the Fair Market Rent (FMR) for a two-bedroom apartment In $19.96 $1,038 is . In order to afford this level of rent and utilities — without paying PER HOUR $3,461 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this $41,526 or STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE RHODE ISLAND: FACTS ABOUT STATE FACTS 66 79 Work Hours Per Week At Work Hours Per Week At Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom Minimum Wage $10.10 Rental Home (at FMR) Rental Home (at FMR) Average Renter Wage $13.70 2-Bedroom Housing Wage $19.96 2 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 165,492 Number of Renter Households Minimum Wage Minimum Wage To Afford a To Afford a 1-Bedroom Rental Home 2-Bedroom Rental Home (at FMR) (at FMR) Percent Renters 40% Two bedroom FMR $1,038 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $862 Rent affordable at $25.06 Newport-Middleton-Portsmouth HMFA $2,035 area median income (AMI) Rent affordable with full-time job paying $712 $22.33 Westerly-Hopkinton-New Shoreham HMFA mean renter wage Rent affordable at 30% of AMI $610 Providence-Fall River HMFA $19.50 Rent affordable with full-time job $525 paying minimum wage Rent affordable to SSI recipient $237 $2,000 $2,500 $500 $0 $1,500 $1,000 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 2018 NATIONAL LOW INCOME HOUSING COALITION 211

218 RHODE ISLAND FY18 HOUSING WAGE RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Rhode Island $712 $1,038 $2,035 40% $19.96 $13.70 1.5 $41,526 $610 165,492 2.0 $81,384 $24,415 Metropolitan Areas $25.06 Newport-Middleton-Portsmouth HMFA $94,100 $706 $2,353 $1,303 $52,120 47% $28,230 $12.94 2.5 1.9 $673 11,555 149,458 Providence-Fall River HMFA $605 $2,015 $1,014 $40,560 $80,600 40% $24,180 $19.50 $13.86 1.9 1.4 $721 33% 4,479 $79,900 $599 $1,998 $1,161 $46,440 Westerly-Hopkinton-New Shoreham HMFA $23,970 $22.33 $9.98 2.2 2.2 $519 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 212 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

219 TOWNS WITHIN RHODE ISLAND FMR AREAS NEWPORT-MIDDLETON-PORTSMOUTH, RI HMFA NEWPORT COUNTY Middletown town, Newport city, Portsmouth town PROVIDENCE-FALL RIVER, RI-MA HMFA BRISTOL COUNTY Barrington town, Bristol town, Warren town KENT COUNTY Coventry town, East Greenwich town, Warwick city, West Greenwich town, West Warwick town NEWPORT COUNTY Jamestown town, Little Compton town, Tiverton town PROVIDENCE COUNTY Burrillville town, Central Falls city, Cranston city, Cumberland town, East Providence city, Foster town, Glocester town, Johnston town, Lincoln town, North Providence town, North Smithfield town, Pawtucket city, Providence city, Scituate town, Smithfield town, Woonsocket city WASHINGTON COUNTY Charlestown town, Exeter town, Narragansett town, North Kingstown town, Richmond town, South Kingstown town WESTERLY-HOPKINTON-NEW SHOREHAM, RI HMFA WASHINGTON COUNTY Hopkinton town, New Shoreham town, Westerly town | 213 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

220 S TAT E S TAT E * RANKING RANKING # 33 SOUTH CAROLINA In South Carolina , the Fair Market Rent (FMR) for a two-bedroom apartment $16.38 $852 is . In order to afford this level of rent and utilities — without paying PER HOUR $2,840 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $34,080 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT SOUTH CAROLINA: STATE FACTS 76 90 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $12.75 Average Renter Wage 2-Bedroom Housing Wage $16.38 1.9 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 580,380 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 32% Two bedroom FMR $852 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $717 Rent affordable at Beaufort County HMFA $20.31 $1,576 area median income (AMI) Rent affordable with full-time job paying $663 Charleston-North Charleston MSA $19.94 mean renter wage Rent affordable at 30% of AMI $473 $18.60 Charlotte-Concord-Gastonia HMFA Rent affordable with full-time job $377 paying minimum wage $17.90 Myrtle Beach-North Myrtle Beach-Conway HMFA Rent affordable to SSI recipient $225 $17.13 C olumbia HMFA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 214

221 SOUTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage South Carolina 580,380 32% $34,080 2.3 1.3 $852 $1,576 $18,907 $12.75 $663 $16.38 $473 $63,024 Combined Nonmetro Areas $364 82,574 $1,214 $13.12 $10.56 1.8 1.2 $549 $682 $48,546 $14,564 $27,299 29% Metropolitan Areas 29% Anderson HMFA $60,800 $456 $1,520 $29,600 $740 $18,240 $14.23 $10.49 2.0 1.4 $546 21,845 $14.83 $18,690 27% $771 $685 1.1 2.0 $13.18 19,536 Augusta-Richmond County HMFA $62,300 $467 $1,558 $30,840 $662 19,862 1.6 2.8 $12.73 $20.31 $21,660 29% $42,240 $1,056 $1,805 $542 $72,200 Beaufort County HMFA 35% 97,049 $74,500 $559 $1,863 $1,037 $41,480 Charleston-North Charleston MSA $22,350 $19.94 $14.98 2.8 1.3 $779 $11.91 $18.60 29% 27,194 $619 1.6 2.6 $967 $1,853 $556 $74,100 Charlotte-Concord-Gastonia HMFA $22,230 $38,680 Chester County HMFA $337 $1,123 $680 $27,200 27% $44,900 $13.08 $9.86 1.8 1.3 $513 3,280 $13,470 34% $20,970 $17.13 $13.18 2.4 1.3 $685 94,425 Columbia HMFA $69,900 $524 $1,748 $891 $35,640 8,374 Darlington County HMFA $49,100 $368 $1,228 $674 $26,960 32% $14,730 $12.96 $14.16 1.8 0.9 $736 $16,560 17,377 $55,200 $414 $1,380 $740 34% Florence HMFA $14.23 $11.91 2.0 1.2 $619 $29,600 2.2 $13.25 $15.85 $19,950 34% $824 $689 $1,663 $499 $66,500 Greenville-Mauldin-Easley HMFA 77,016 1.2 $32,960 $34,000 31% $12,840 $16.35 $16.35 2.3 1.0 $850 2,883 Jasper County HMFA $42,800 $321 $1,070 $850 $13.60 Kershaw County HMFA $1,428 $707 $28,280 19% $17,130 $428 $12.90 1.9 1.1 $671 4,654 $57,100 6,437 $56,800 $426 $1,420 $884 $35,360 21% $17,040 $17.00 $11.88 2.3 1.4 $618 Lancaster County HMFA Laurens County HMFA $50,800 $381 $1,270 $713 $28,520 30% $15,240 $13.71 $12.40 1.9 1.1 $645 7,623 $17.90 $60,100 $1,503 $931 $37,240 31% $18,030 $451 $10.53 2.5 1.7 $548 37,678 Myrtle Beach-North Myrtle Beach-Conway HMFA 1.9 1.1 $674 35,010 $29,360 $18,360 $14.12 $12.97 $734 $1,530 $459 $61,200 Spartanburg HMFA 31% 35% $14,940 $616 1.2 2.0 $11.85 $14.60 14,181 $30,360 $759 $1,245 $374 $49,800 Sumter MSA 3,382 1.1 1.8 $11.26 $12.85 $13,740 $586 29% $26,720 $668 $1,145 $344 $45,800 Union County HMFA 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 215 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

222 SOUTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 2,127 Abbeville County $484 1.4 1.8 $9.31 $12.85 $14,190 22% $26,720 $668 $1,183 $355 $47,300 27% $30,840 $1,558 $467 $62,300 17,345 Aiken County $771 $18,690 $14.83 $13.60 2.0 1.1 $707 $26,720 Allendale County 1,186 $36,800 $276 $920 $668 $621 1.1 1.8 $11.94 $12.85 $11,040 35% 29% 1.4 $60,800 $456 $1,520 $740 $29,600 21,845 $18,240 $14.23 $10.49 2.0 Anderson County $546 26% $12,690 $494 1.4 1.9 $9.50 $13.63 $709 Bamberg County 1,465 $42,300 $317 $1,058 $28,360 $13,980 $12.85 $8.49 1.8 1.5 $442 29% $26,720 $668 $1,165 $350 $46,600 2,350 Barnwell County $662 19,862 $72,200 $542 $1,805 $1,056 Beaufort County 29% $21,660 $20.31 $12.73 2.8 1.6 $42,240 1.1 2.8 $17.92 $19.94 $22,350 30% $41,480 $1,037 $1,863 $559 $74,500 21,286 Berkeley County $932 $35,640 1.5 1,460 $69,900 $524 $1,748 $891 Calhoun County 24% $20,970 $17.13 $11.74 2.4 $610 $41,480 40% $22,350 $19.94 $14.91 2.8 1.3 $775 Charleston County 59,679 $74,500 $559 $1,863 $1,037 30% $547 $48,200 $362 $1,205 $676 $27,040 6,194 $14,460 $13.00 $10.51 1.8 1.2 Cherokee County $513 Chester County 3,280 $44,900 $337 $1,123 $680 $27,200 27% $13,470 $13.08 $9.86 1.8 1.3 $532 1.3 1.8 $10.24 $12.85 $12,390 29% $26,720 $668 $1,033 $310 $41,300 5,232 Chesterfield County 26% $350 $43,600 $327 $1,090 $668 $26,720 3,414 $13,080 $12.85 $6.74 1.8 1.9 Clarendon County 28% Colleton County 4,111 $43,700 $328 $1,093 $733 $558 1.3 1.9 $10.72 $14.10 $13,110 $29,320 $674 $26,960 32% $14,730 $12.96 $14.16 1.8 0.9 $736 Darlington County 8,374 $49,100 $368 $1,228 $10,770 Dillon County $269 $898 $668 $26,720 35% $35,900 $12.85 $8.72 1.8 1.5 $453 3,913 30% 16,084 $74,500 $559 $1,863 $1,037 $41,480 $583 $22,350 $19.94 $11.21 2.8 1.8 Dorchester County 24% Edgefield County $62,300 $467 $1,558 $771 $30,840 2,191 $18,690 $14.83 $7.78 2.0 1.9 $405 $929 Fairfield County 2,316 $69,900 $524 $1,748 $891 $35,640 26% $20,970 $17.13 $17.86 2.4 1.0 Florence County $740 34% $16,560 $14.23 $11.91 2.0 1.2 $619 $29,600 $1,380 $414 $55,200 17,377 24% Georgetown County $56,600 $425 $1,415 $773 $30,920 5,788 $16,980 $14.87 $10.14 2.1 1.5 $528 34% Greenville County 62,576 $66,500 $499 $1,663 $824 $32,960 $19,950 $15.85 $13.61 2.2 1.2 $708 Greenwood County 9,921 $55,900 $419 $1,398 $669 $581 $26,760 37% $16,770 $12.87 $11.17 1.8 1.2 0.9 Hampton County 1,857 $42,900 $322 $1,073 $748 $26,720 25% $12,870 $12.85 $14.39 1.8 $668 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 216 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

223 SOUTH CAROLINA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Horry County $451 $1,503 $931 $37,240 31% $18,030 $17.90 $10.53 2.5 1.7 $548 37,678 $60,100 $34,000 $850 2.3 $16.35 $16.35 $12,840 31% 1.0 $850 Jasper County 2,883 $42,800 $321 $1,070 $28,280 $671 1.1 1.9 $12.90 $13.60 $17,130 $707 $1,428 $428 $57,100 4,654 Kershaw County 19% $618 6,437 $56,800 $426 $1,420 $884 Lancaster County 21% $17,040 $17.00 $11.88 2.3 1.4 $35,360 Laurens County $645 1.1 1.9 $12.40 $13.71 $15,240 30% $28,520 $713 $1,270 $381 $50,800 7,623 $12,330 $26,720 Lee County 1,519 $41,100 $308 $1,028 $12.85 $9.46 1.8 1.4 $492 $668 24% $69,900 $17.13 Lexington County $617 1.4 2.4 $11.86 28,340 $20,970 26% $35,640 $891 $1,748 $524 $15,480 919 McCormick County $1,290 $668 $26,720 23% $387 $12.85 $9.54 1.8 1.3 $496 $51,600 $26,720 30% $12,480 $12.85 $8.74 1.8 1.5 $454 Marion County 3,623 $41,600 $312 $1,040 $668 1.1 $626 3,175 $40,700 $305 $1,018 $668 $26,720 33% $12,210 $12.85 $12.03 1.8 Marlboro County $703 $579 $11.14 $13.52 $16,020 27% $28,120 1.9 $1,335 $401 $53,400 3,949 Newberry County 1.2 $726 0.9 1.8 $13.97 $12.85 $17,370 27% $668 $1,448 $434 $57,900 8,350 Oconee County $26,720 $26,960 1.4 10,463 $50,900 $382 $1,273 $674 Orangeburg County 31% $15,270 $12.96 $9.35 1.8 $486 $824 $32,960 32% $19,950 $15.85 $9.90 2.2 1.6 $515 Pickens County 14,440 $66,500 $499 $1,663 $20,970 Richland County $524 $1,748 $891 $35,640 41% $69,900 $17.13 $13.80 2.4 1.2 $718 60,377 $521 1,932 $69,900 $524 $1,748 $891 $35,640 27% $20,970 $17.13 $10.02 2.4 1.7 Saluda County 35,010 Spartanburg County $61,200 $459 $1,530 $734 $29,360 31% $18,360 $14.12 $12.97 1.9 1.1 $674 $14,940 14,181 $374 $1,245 $759 $30,360 35% $49,800 $14.60 $11.85 2.0 1.2 $616 Sumter County $26,720 1.8 1.1 $586 $668 29% $13,740 $12.85 $11.26 $1,145 $344 $45,800 3,382 Union County $469 25% 3,018 $42,400 $318 $1,060 $668 $26,720 $12,720 $12.85 $9.03 1.8 1.4 Williamsburg County York County 27,194 $74,100 $556 $1,853 $967 1.6 $38,680 29% $22,230 $18.60 $11.91 2.6 $619 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 217 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

224 S TAT E S TAT E * RANKING RANKING # 49 SOUTH DAKOTA In South Dakota , the Fair Market Rent (FMR) for a two-bedroom apartment $14.33 $745 is . In order to afford this level of rent and utilities — without paying PER HOUR $2,485 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $29,816 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT SOUTH DAKOTA: STATE FACTS 51 65 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $8.85 (at FMR) Rental Home (at FMR) Rental Home $11.90 Average Renter Wage 2-Bedroom Housing Wage $14.33 1.3 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 107,391 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 32% Two bedroom FMR $745 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $585 Rent affordable at Rapid City HMFA $17.29 $1,744 area median income (AMI) Rent affordable with full-time job paying $619 Custer County HMFA $16.23 mean renter wage Rent affordable at 30% of AMI $523 $15.50 Sioux City HMFA Rent affordable with full-time job $460 paying minimum wage $15.04 Buffalo County Rent affordable to SSI recipient $225 $15.02 S ioux Falls MSA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 218

225 SOUTH DAKOTA HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage South Dakota $14.33 107,391 $523 $619 $20,931 $11.90 1.6 32% $29,816 $69,770 $745 $1,744 1.2 Combined Nonmetro Areas $490 57,105 $1,634 $13.20 $10.62 1.5 1.2 $552 $686 $65,365 $19,610 $27,455 33% Metropolitan Areas $19,890 $469 1.8 1.8 $9.01 $16.23 668 $33,760 $844 $1,658 $497 $66,300 Custer County HMFA 17% Meade County HMFA $19,440 $29,560 $739 $1,620 $486 $64,800 28% $14.21 $11.00 1.6 1.3 $572 2,941 2.0 Rapid City HMFA $70,100 $526 $1,753 $899 $35,960 33% $21,030 $17.29 $11.62 1.5 $604 13,764 $19,530 $65,100 $778 1.0 1.8 $14.96 $15.50 1,543 26% $32,240 $806 $1,628 $488 Sioux City HMFA Sioux Falls MSA $1,968 $781 $31,240 33% $78,700 $23,610 $15.02 $13.27 1.7 1.1 $690 31,370 $590 Counties 1.0 1.4 $12.32 $12.69 $17,520 Aurora County 241 $58,400 $438 $641 $1,460 $660 $26,400 21% $660 $19,620 $10.18 1.4 1.2 35% $26,400 $12.69 $1,635 $491 $65,400 2,604 Beadle County $529 39% $26,400 $660 $1,223 $367 $9.46 $48,900 378 Bennett County $492 1.3 1.4 $12.69 $14,670 25% Bon Homme County $64,200 $482 $1,605 $660 $26,400 626 $19,260 $8.48 1.4 1.5 $441 $12.69 $13.94 $10.65 1.6 $518 $69,100 5,025 Brookings County 1.3 $554 $725 41% $29,000 $1,728 $20,730 1.3 $567 5,284 $72,400 $543 $1,810 $709 $28,360 33% $21,720 $13.63 $10.91 1.5 Brown County 1.1 Brule County 633 $59,700 $448 $1,493 $660 $26,400 30% $17,910 $12.69 $578 $11.12 1.4 $782 1.7 280 $33,200 $249 Buffalo County † $31,280 56% $9,960 $15.04 $830 $442 1.5 $8.51 $12.69 $18,360 26% $26,400 1.4 $660 $1,530 $459 $61,200 1,087 Butte County 126 Campbell County $660 $666 1.0 1.4 $12.81 $12.69 $19,470 18% $26,400 $1,623 $487 $64,900 $26,400 1.5 987 $58,000 $435 $1,450 $660 Charles Mix County 31% $17,400 $12.69 $8.48 1.4 $441 $26,520 23% $20,880 $12.75 $9.81 1.4 1.3 $510 Clark County 345 $69,600 $522 $1,740 $663 $19,530 2,575 $65,100 $488 $1,628 $748 $29,920 48% Clay County $14.38 $7.51 1.6 1.9 $391 34% $594 $70,000 $525 $1,750 $701 $28,040 4,057 $21,000 $13.48 $11.41 1.5 1.2 Codington County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 219 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

226 SOUTH DAKOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Corson County $286 $953 $660 $26,400 50% $11,430 $12.69 $11.89 1.4 1.1 $619 618 $38,100 17% $33,760 1.8 1.8 $9.01 $16.23 $19,890 $469 $844 $1,658 $497 $66,300 668 Custer County 3,462 Davison County $1,593 $478 $63,700 $710 $28,400 40% $19,110 $13.65 $12.04 1.5 1.1 $626 $16,410 Day County $410 $1,368 $660 $26,400 27% $54,700 $12.69 $7.49 1.4 1.7 $389 699 $647 290 $73,300 $550 $1,833 $660 $26,400 16% $21,990 $12.69 $12.43 1.4 1.0 Deuel County $13,320 40% $9.40 1.5 1.4 $489 $686 $333 $44,400 665 Dewey County $27,440 $13.19 $1,110 $502 252 $62,700 $470 $1,568 $776 Douglas County 20% $18,810 $14.92 $9.66 1.7 1.5 $31,040 1.1 1.5 $11.99 $13.19 $23,190 17% $27,440 $686 $1,933 $580 $77,300 266 Edmunds County $623 $28,320 1.4 895 $63,500 $476 $1,588 $708 Fall River County 29% $19,050 $13.62 $9.71 1.5 $505 $26,400 23% $23,070 $12.69 $12.35 1.4 1.0 $642 Faulk County 227 $76,900 $577 $1,923 $660 20% $710 $63,400 $476 $1,585 $660 $26,400 630 $19,020 $12.69 $13.65 1.4 0.9 Grant County $447 Gregory County 586 $53,800 $404 $1,345 $660 $26,400 31% $16,140 $12.69 $8.60 1.4 1.5 $743 0.9 1.6 $16.66 $14.29 $18,060 23% $29,720 $1,505 $452 $60,200 202 Haakon County $867 18% $623 $65,800 $494 $1,645 $669 $26,760 408 $19,740 $12.87 $11.99 1.5 1.1 Hamlin County 29% Hand County 428 $69,200 $519 $1,730 $660 $525 1.3 1.4 $10.10 $12.69 $20,760 $26,400 $660 $26,400 12% $22,230 $12.69 $12.35 1.4 1.0 $642 Hanson County 131 $74,100 $556 $1,853 $62,600 153 $1,565 $660 $26,400 31% $18,780 $12.69 $16.94 1.4 0.7 $881 Harding County $470 $11.04 $89,300 $702 $28,080 36% $26,790 $13.50 $2,233 1.5 1.2 $574 2,644 $670 Hughes County $64,000 $480 $1,600 $662 $26,480 24% $19,200 Hutchinson County $9.31 1.4 1.4 $484 701 $12.73 116 $574 $1,913 $660 $26,400 20% $76,500 $12.69 $18.75 1.4 0.7 $975 Hyde County $22,950 $381 $660 $15,120 $12.69 $7.32 Jackson County 377 38% $26,400 1.4 1.7 $1,260 $378 $50,400 26% Jerauld County $66,300 $497 $1,658 $660 $26,400 230 $19,890 $12.69 $14.47 1.4 0.9 $752 1.5 $440 1.4 $8.47 $12.69 $16,920 31% Jones County $660 $1,410 $423 $56,400 129 $26,400 $377 495 $69,200 $519 $1,730 $660 Kingsbury County 21% $20,760 $12.69 $7.26 1.4 1.7 $26,400 $22,890 24% $26,400 $660 $1,908 $572 $76,300 1,150 Lake County 1.5 $8.65 $12.69 1.4 $450 $669 $26,760 35% $20,880 $12.87 $9.66 1.5 1.3 $502 Lawrence County 3,738 $69,600 $522 $1,740 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 220

227 SOUTH DAKOTA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lincoln County $590 $1,968 $781 $31,240 22% $23,610 $15.02 $13.22 1.7 1.1 $687 3,943 $78,700 30% $26,400 1.3 1.4 $9.65 $12.69 $17,790 $502 $660 $1,483 $445 $59,300 409 Lyman County 505 McCook County $1,968 $590 $78,700 $781 $31,240 23% $23,610 $15.02 $10.42 1.7 1.4 $542 $16,140 McPherson County $404 $1,345 $771 $30,840 25% $53,800 $14.83 $10.68 1.7 1.4 $556 247 $538 508 $67,200 $504 $1,680 $660 $26,400 29% $20,160 $12.69 $10.35 1.4 1.2 Marshall County $19,440 28% $11.00 1.6 1.3 $572 $739 $486 $64,800 2,941 Meade County $29,560 $14.21 $1,620 $373 226 $36,100 $271 $903 $679 Mellette County 32% $10,830 $13.06 $7.16 1.5 1.8 $27,160 1.4 1.4 $8.91 $12.69 $17,220 21% $26,400 $660 $1,435 $431 $57,400 208 Miner County $463 $31,240 1.1 26,143 $78,700 $590 $1,968 $781 Minnehaha County 37% $23,610 $15.02 $13.36 1.7 $695 $26,400 28% $19,650 $12.69 $14.13 1.4 0.9 $735 Moody County 734 $65,500 $491 $1,638 $660 47% $576 $28,600 $215 $715 $660 $26,400 1,365 $8,580 $12.69 $11.07 1.4 1.1 Oglala Lakota County $604 Pennington County 13,764 $70,100 $526 $1,753 $899 $35,960 33% $21,030 $17.29 $11.62 2.0 1.5 $660 1.3 1.4 $9.89 $12.69 $18,150 30% $26,400 $1,513 $454 $60,500 384 Perkins County $514 19% $638 $59,000 $443 $1,475 $660 $26,400 199 $17,700 $12.69 $12.27 1.4 1.0 Potter County 31% Roberts County 1,139 $60,500 $454 $1,513 $660 $484 1.4 1.4 $9.30 $12.69 $18,150 $26,400 $660 $26,400 25% $19,890 $12.69 $8.57 1.4 1.5 $446 Sanborn County 272 $66,300 $497 $1,658 $62,700 715 $1,568 $660 $26,400 27% $18,810 $12.69 $12.76 1.4 1.0 $663 Spink County $470 $8.64 $71,200 $743 $29,720 23% $21,360 $14.29 $1,780 1.6 1.7 $449 299 $534 Stanley County $82,000 $615 $2,050 $660 $26,400 24% $24,600 Sully County $15.08 1.4 0.8 $784 140 $12.69 1,574 $251 $835 $660 $26,400 57% $33,400 $12.69 $11.59 1.4 1.1 $603 Todd County $10,020 $488 $660 $16,710 $12.69 $9.38 Tripp County 841 33% $26,400 1.4 1.4 $1,393 $418 $55,700 22% Turner County $78,700 $590 $1,968 $781 $31,240 779 $23,610 $15.02 $9.37 1.7 1.6 $487 1.0 $778 1.8 $14.96 $15.50 $19,530 26% Union County $806 $1,628 $488 $65,100 1,543 $32,240 $577 733 $65,300 $490 $1,633 $660 Walworth County 31% $19,590 $12.69 $11.09 1.4 1.1 $26,400 $20,010 33% $26,400 $660 $1,668 $500 $66,700 2,985 Yankton County 1.3 $9.87 $12.69 1.4 $513 $660 $26,400 49% $11,160 $12.69 $9.95 1.4 1.3 $517 Ziebach County 387 $37,200 $279 $930 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 221

228 S TAT E S TAT E * RANKING RANKING 37 # TENNESSEE In Tennessee , the Fair Market Rent (FMR) for a two-bedroom apartment is $15.74 . In order to afford this level of rent and utilities — without paying more $819 PER HOUR than 30% of income on housing — a household must earn $2,729 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $32,749 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT TENNESSEE: STATE FACTS 87 71 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $14.50 Average Renter Wage 2-Bedroom Housing Wage $15.74 2.2 1.8 Number of Full-Time Jobs At Number of Full-Time Jobs At 849,161 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 34% Two bedroom FMR $819 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $666 Rent affordable at Nashville—Davidson—Murfreesboro—Franklin HMFA $19.27 $1,541 area median income (AMI) Rent affordable with full-time job paying $754 Knoxville HMFA $16.27 mean renter wage Rent affordable at 30% of AMI $462 Clarksville MSA $16.12 Rent affordable with full-time job $377 paying minimum wage $16.02 Memphis HMFA Rent affordable to SSI recipient $225 C hattanooga MSA $15.50 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 222

229 TENNESSEE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Tennessee 849,161 34% $32,749 2.2 1.1 $819 $1,541 $18,493 $14.50 $754 $15.74 $462 $61,644 Combined Nonmetro Areas $369 167,080 $1,232 $12.34 $10.97 1.7 1.1 $570 $642 $49,266 $14,780 $25,677 29% Metropolitan Areas $24,520 Campbell County HMFA $41,900 $314 $1,048 $613 1.4 31% $12,570 $11.79 $8.61 1.6 $448 4,904 $15.50 $18,510 $806 53,139 $690 1.2 34% 2.1 $13.27 Chattanooga MSA $61,700 $463 $1,543 $32,240 1.3 $33,520 41% $16,620 $16.12 $12.47 2.2 27,459 $649 Clarksville MSA $55,400 $416 $1,385 $838 $632 15,204 1.2 2.0 $12.15 $14.62 $17,730 33% $30,400 $760 $1,478 $443 $59,100 Cleveland MSA $14,040 $26,320 $12.65 Crockett County HMFA $46,800 $351 30% $1,170 $12.97 1.7 1.0 $675 1,641 $658 $11.79 $1,163 Grainger County HMFA $613 $24,520 21% $13,950 $46,500 $10.96 1.6 1.1 $570 1,882 $349 24% $14,400 $14.21 $8.87 2.0 1.6 $461 2,101 Hickman County HMFA $48,000 $360 $1,200 $739 $29,560 $561 15,191 $58,600 $440 $1,465 $734 $29,360 35% $17,580 $14.12 $10.79 1.9 1.3 Jackson HMFA $26,760 26,934 1.8 $10.74 $12.87 $16,230 32% 1.2 $669 $1,353 $406 $54,100 Johnson City MSA $559 23,702 1.0 1.8 $13.80 $13.15 $16,440 27% $27,360 $684 $1,370 $411 $54,800 Kingsport-Bristol-Bristol MSA $718 33% $701 $66,600 $500 $1,665 $846 $33,840 Knoxville HMFA $19,980 $16.27 $13.48 2.2 1.2 94,241 $24,680 27% $13,470 $11.87 $11.93 1.6 1.0 $621 2,379 Macon County HMFA $44,900 $337 $1,123 $617 $14.73 Maury County HMFA $1,538 $766 $30,640 32% $18,450 $461 $14.37 2.0 1.0 $747 10,633 $61,500 162,722 $64,200 $482 $1,605 $833 $33,320 42% $19,260 $16.02 $16.15 2.2 1.0 $840 Memphis HMFA Morgan County HMFA $48,100 $361 $1,203 $656 $26,240 19% $14,430 $12.62 $10.73 1.7 1.2 $558 1,362 $13.02 $50,900 $1,273 $677 $27,080 31% $15,270 $382 $11.91 1.8 1.1 $619 13,498 Morristown MSA 2.7 1.1 $890 217,623 $40,080 $22,470 $19.27 $17.12 $1,002 $1,873 $562 $74,900 Nashville—Davidson—Murfreesboro—Franklin HMFA 35% 25% $17,280 $787 1.0 2.0 $15.13 $14.48 5,472 $30,120 $753 $1,440 $432 $57,600 Roane County HMFA 1,994 1.4 1.7 $8.99 $12.58 $17,370 $468 26% $26,160 $654 $1,448 $434 $57,900 Smith County HMFA 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 223 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

230 TENNESSEE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 10,106 Anderson County $843 1.0 2.2 $16.21 $16.27 $19,980 33% $33,840 $846 $1,665 $500 $66,600 33% $28,360 $1,263 $379 $50,500 5,588 Bedford County $709 $15,150 $13.63 $13.46 1.9 1.0 $700 $24,520 Benton County 1,574 $45,700 $343 $1,143 $613 $486 1.3 1.6 $9.34 $11.79 $13,710 23% 25% 1.2 $46,300 $347 $1,158 $613 $24,520 1,155 $13,890 $11.79 $9.80 1.6 Bledsoe County $510 25% $19,980 $692 1.2 2.2 $13.32 $16.27 $846 Blount County 12,484 $66,600 $500 $1,665 $33,840 $17,730 $14.62 $12.25 2.0 1.2 $637 35% $30,400 $760 $1,478 $443 $59,100 13,587 Bradley County $448 4,904 $41,900 $314 $1,048 $613 Campbell County 31% $12,570 $11.79 $8.61 1.6 1.4 $24,520 2.0 2.7 $9.78 $19.27 $22,470 27% $40,080 $1,002 $1,873 $562 $74,900 1,482 Cannon County $509 $24,520 1.2 3,111 $48,600 $365 $1,215 $613 Carroll County 27% $14,580 $11.79 $10.08 1.6 $524 $26,760 29% $16,230 $12.87 $10.29 1.8 1.3 $535 Carter County 6,881 $54,100 $406 $1,353 $669 21% $597 $74,900 $562 $1,873 $1,002 $40,080 3,040 $22,470 $19.27 $11.47 2.7 1.7 Cheatham County $561 Chester County 1,633 $58,600 $440 $1,465 $734 $29,360 27% $17,580 $14.12 $10.80 1.9 1.3 $505 1.2 1.6 $9.71 $11.79 $14,100 29% $24,520 $613 $1,175 $353 $47,000 3,722 Claiborne County 24% $487 $38,900 $292 $973 $613 $24,520 763 $11,670 $11.79 $9.37 1.6 1.3 Clay County 31% Cocke County 4,580 $43,100 $323 $1,078 $613 $470 1.3 1.6 $9.05 $11.79 $12,930 $24,520 $681 $27,240 32% $15,750 $13.10 $15.36 1.8 0.9 $798 Coffee County 6,873 $52,500 $394 $1,313 $14,040 Crockett County $351 $1,170 $658 $26,320 30% $46,800 $12.65 $12.97 1.7 1.0 $675 1,641 22% 5,320 $47,100 $353 $1,178 $657 $26,280 $485 $14,130 $12.63 $9.33 1.7 1.4 Cumberland County 46% Davidson County $74,900 $562 $1,873 $1,002 $40,080 123,872 $22,470 $19.27 $19.41 2.7 1.0 $1,009 $455 Decatur County 1,166 $49,000 $368 $1,225 $613 $24,520 24% $14,700 $11.79 $8.75 1.6 1.3 DeKalb County $613 32% $14,220 $11.79 $13.97 1.6 0.8 $727 $24,520 $1,185 $356 $47,400 2,325 27% Dickson County $74,900 $562 $1,873 $1,002 $40,080 5,144 $22,470 $19.27 $10.12 2.7 1.9 $526 36% Dyer County 5,483 $58,200 $437 $1,455 $645 $25,800 $17,460 $12.40 $11.47 1.7 1.1 $596 Fayette County 3,086 $64,200 $482 $1,605 $833 $528 $33,320 21% $19,260 $16.02 $10.15 2.2 1.6 1.3 Fentress County 1,807 $39,200 $294 $980 $480 $24,520 24% $11,760 $11.79 $9.24 1.6 $613 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 224 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

231 TENNESSEE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Franklin County $404 $1,348 $613 $24,520 26% $16,170 $11.79 $11.31 1.6 1.0 $588 4,299 $53,900 29% $24,520 1.0 1.6 $12.37 $11.79 $15,150 $643 $613 $1,263 $379 $50,500 5,611 Gibson County 3,477 Giles County $1,310 $393 $52,400 $627 $25,080 30% $15,720 $12.06 $10.74 1.7 1.1 $559 $13,950 Grainger County $349 $1,163 $613 $24,520 21% $46,500 $11.79 $10.96 1.6 1.1 $570 1,882 $595 7,750 $48,200 $362 $1,205 $613 $24,520 28% $14,460 $11.79 $11.44 1.6 1.0 Greene County $11,160 24% $9.01 1.6 1.3 $469 $613 $279 $37,200 1,178 Grundy County $24,520 $11.79 $930 $571 8,250 $50,900 $382 $1,273 $677 Hamblen County 34% $15,270 $13.02 $10.98 1.8 1.2 $27,080 1.1 2.1 $13.49 $15.50 $18,510 35% $32,240 $806 $1,543 $463 $61,700 48,631 Hamilton County $701 $24,520 1.6 630 $37,300 $280 $933 $613 Hancock County 23% $11,190 $11.79 $7.46 1.6 $388 $24,520 29% $13,170 $11.79 $12.96 1.6 0.9 $674 Hardeman County 2,465 $43,900 $329 $1,098 $613 23% $641 $47,800 $359 $1,195 $681 $27,240 2,246 $14,340 $13.10 $12.34 1.8 1.1 Hardin County $603 Hawkins County 5,866 $54,800 $411 $1,370 $684 $27,360 26% $16,440 $13.15 $11.59 1.8 1.1 $674 1.2 1.8 $10.89 $12.96 $14,070 39% $26,960 $1,173 $352 $46,900 2,753 Haywood County $566 29% $511 $50,500 $379 $1,263 $673 $26,920 3,053 $15,150 $12.94 $9.83 1.8 1.3 Henderson County 27% Henry County 3,597 $49,600 $372 $1,240 $613 $570 1.1 1.6 $10.95 $11.79 $14,880 $24,520 $739 $29,560 24% $14,400 $14.21 $8.87 2.0 1.6 $461 Hickman County 2,101 $48,000 $360 $1,200 729 Houston County $372 $1,240 $613 $24,520 23% $14,880 $11.79 $9.63 1.6 1.2 $501 $49,600 $12.71 1,609 $1,440 $661 $26,440 23% $17,280 $432 $10.58 1.8 1.2 $550 Humphreys County $57,600 1,070 $41,100 $308 $1,028 $613 $24,520 24% Jackson County $11.79 $11.22 1.6 1.1 $584 $12,330 Jefferson County $50,900 $382 $1,273 $677 $27,080 5,248 $15,270 $13.02 $14.26 1.8 0.9 $742 27% $592 $613 $13,440 $11.79 $11.38 1.6 Johnson County 25% $24,520 1.0 $1,120 $336 $44,800 1,720 36% Knox County $66,600 $500 $1,665 $846 $33,840 65,272 $19,980 $16.27 $13.23 2.2 1.2 $688 1.5 $412 1.6 $7.93 $11.79 $12,330 40% Lake County $613 $1,028 $308 $41,100 860 $24,520 $592 4,047 $38,700 $290 $968 $613 Lauderdale County 42% $11,610 $11.79 $11.39 1.6 1.0 $24,520 $14,910 25% $24,520 $613 $1,243 $373 $49,700 4,036 Lawrence County 1.3 $9.01 $11.79 1.6 $469 $613 $24,520 23% $13,950 $11.79 $7.15 1.6 1.6 $372 Lewis County 1,082 $46,500 $349 $1,163 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 225 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

232 TENNESSEE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lincoln County $378 $1,260 $628 $25,120 28% $15,120 $12.08 $10.61 1.7 1.1 $552 3,769 $50,400 23% $33,840 1.5 2.2 $11.05 $16.27 $19,980 $575 $846 $1,665 $500 $66,600 4,610 Loudon County 5,396 McMinn County $1,310 $393 $52,400 $625 $25,000 27% $15,720 $12.02 $10.69 1.7 1.1 $556 $12,750 McNairy County $319 $1,063 $613 $24,520 26% $42,500 $11.79 $11.30 1.6 1.0 $588 2,571 $621 2,379 $44,900 $337 $1,123 $617 $24,680 27% $13,470 $11.87 $11.93 1.6 1.0 Macon County $17,580 36% $10.79 1.9 1.3 $561 $734 $440 $58,600 13,558 Madison County $29,360 $14.12 $1,465 $487 3,136 $61,700 $463 $1,543 $806 Marion County 28% $18,510 $15.50 $9.37 2.1 1.7 $32,240 1.2 1.9 $11.39 $13.98 $16,200 29% $29,080 $727 $1,350 $405 $54,000 3,474 Marshall County $592 $30,640 1.0 10,633 $61,500 $461 $1,538 $766 Maury County 32% $18,450 $14.73 $14.37 2.0 $747 $24,840 22% $13,230 $11.94 $10.84 1.6 1.1 $564 Meigs County 1,012 $44,100 $331 $1,103 $621 24% $667 $46,400 $348 $1,160 $635 $25,400 4,192 $13,920 $12.21 $12.83 1.7 1.0 Monroe County $649 Montgomery County 27,459 $55,400 $416 $1,385 $838 $33,520 41% $16,620 $16.12 $12.47 2.2 1.3 $613 0.6 1.6 $18.45 $11.79 $18,420 20% $24,520 $1,535 $461 $61,400 512 Moore County $959 19% $558 $48,100 $361 $1,203 $656 $26,240 1,362 $14,430 $12.62 $10.73 1.7 1.2 Morgan County 33% Obion County 4,234 $50,600 $380 $1,265 $613 $521 1.2 1.6 $10.02 $11.79 $15,180 $24,520 $621 $24,840 22% $13,860 $11.94 $9.31 1.6 1.3 $484 Overton County 1,934 $46,200 $347 $1,155 577 Perry County $316 $1,053 $613 $24,520 18% $12,630 $11.79 $7.84 1.6 1.5 $408 $42,100 $11.79 321 $1,180 $613 $24,520 15% $14,160 $354 $8.56 1.6 1.4 $445 Pickett County $47,200 1,617 $59,100 $443 $1,478 $760 $30,400 24% Polk County $14.62 $9.78 2.0 1.5 $509 $17,730 Putnam County $49,700 $373 $1,243 $659 $26,360 11,507 $14,910 $12.67 $9.56 1.7 1.3 $497 38% $463 $647 $14,940 $12.44 $8.91 1.7 Rhea County 30% $25,880 1.4 $1,245 $374 $49,800 3,702 25% Roane County $57,600 $432 $1,440 $753 $30,120 5,472 $17,280 $14.48 $15.13 2.0 1.0 $787 1.6 $624 2.7 $12.00 $19.27 $22,470 25% Robertson County $1,002 $1,873 $562 $74,900 6,144 $40,080 $800 35,876 $74,900 $562 $1,873 $1,002 Rutherford County 35% $22,470 $19.27 $15.39 2.7 1.3 $40,080 $11,790 30% $24,520 $613 $983 $295 $39,300 2,472 Scott County 1.3 $9.26 $11.79 1.6 $481 $806 $32,240 25% $18,510 $15.50 $7.48 2.1 2.1 $389 Sequatchie County 1,372 $61,700 $463 $1,543 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 226 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

233 TENNESSEE FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Sevier County $439 $1,463 $736 $29,440 32% $17,550 $14.15 $9.70 2.0 1.5 $504 11,947 $58,500 44% $33,320 153,318 $64,200 $482 $1,605 $833 Shelby County $19,260 $16.02 $16.35 2.2 1.0 $850 $468 26% $26,160 1.4 1.7 $8.99 $12.58 $17,370 Smith County 1,994 $57,900 $434 $1,448 $654 Stewart County $667 0.9 1.6 $12.83 $11.79 $16,650 24% $24,520 $613 $1,388 $416 $55,500 1,245 $27,360 $737 17,836 $54,800 $411 $1,370 $684 Sullivan County 27% $16,440 $13.15 $14.18 1.8 0.9 $19.27 $22,470 27% $642 1.6 2.7 $12.34 $1,002 $1,873 $562 $74,900 17,103 Sumner County $40,080 Tipton County $64,200 $482 $1,605 $833 $33,320 6,318 $19,260 $16.02 $10.22 2.2 1.6 $532 30% $40,080 23% $22,470 $19.27 $8.63 2.7 2.2 $449 Trousdale County 693 $74,900 $562 $1,873 $1,002 $707 Unicoi County 2,061 $54,100 $406 $1,353 $669 $26,760 27% $16,230 $12.87 $13.60 1.8 0.9 24% $560 1,769 $66,600 $500 $1,665 $33,840 Union County $19,980 $16.27 $10.77 2.2 1.5 $846 $10.26 $11.79 $14,310 12% $613 $1,193 1.1 $358 $47,700 251 Van Buren County $533 1.6 $24,520 $620 $24,800 31% $14,850 $11.92 $12.45 1.6 1.0 $647 Warren County 4,797 $49,500 $371 $1,238 $16,230 Washington County $406 $1,353 $669 $26,760 34% $54,100 $12.87 $10.59 1.8 1.2 $551 17,992 1,021 $44,000 $330 $1,100 $613 $24,520 17% $13,200 $11.79 $9.51 1.6 1.2 $494 Wayne County 32% Weakley County $492 1.2 1.6 $9.46 $11.79 $16,230 $24,520 $613 $1,353 $406 $54,100 4,304 $13,680 White County $342 $1,140 $613 $24,520 22% $45,600 $11.79 $12.15 1.6 1.0 $632 2,163 $823 $1,002 19% $22,470 $19.27 $15.84 2.7 $40,080 1.2 $1,873 $562 $74,900 13,822 Williamson County $40,080 Wilson County 2.7 $11.97 $19.27 $22,470 23% 1.6 $1,002 $1,873 $562 $74,900 10,447 $623 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 227 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

234 S TAT E S TAT E * RANKING RANKING 21 # TEXAS In Texas , the Fair Market Rent (FMR) for a two-bedroom apartment is $19.32 . In order to afford this level of rent and utilities — without paying more $1,005 PER HOUR than 30% of income on housing — a household must earn $3,349 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $40,185 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT TEXAS: STATE FACTS 107 86 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $18.20 Average Renter Wage 2-Bedroom Housing Wage $19.32 2.7 2.2 Number of Full-Time Jobs At Number of Full-Time Jobs At 3,542,096 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 38% Two bedroom FMR $1,005 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $812 Rent affordable at Midland HMFA $26.31 $1,747 area median income (AMI) Rent affordable with full-time job paying $946 Austin-Round Rock MSA $24.06 mean renter wage Rent affordable at 30% of AMI $524 Odessa MSA $22.77 Rent affordable with full-time job $377 paying minimum wage $22.08 Kendall County HMFA Rent affordable to SSI recipient $225 B razoria County HMFA $21.48 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 228

235 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Texas 3,542,096 38% $40,185 2.7 1.1 $1,005 $1,747 $20,963 $18.20 $946 $19.32 $524 $69,876 Combined Nonmetro Areas $417 303,578 $1,391 $14.57 $13.30 2.0 1.1 $691 $758 $55,643 $16,693 $30,304 29% Metropolitan Areas $32,200 Abilene MSA $63,900 $479 $1,598 $805 1.2 38% $19,170 $15.48 $13.17 2.1 $685 23,114 $15.50 $19,950 $806 34,213 $746 1.1 36% 2.1 $14.35 Amarillo HMFA $66,500 $499 $1,663 $32,240 1.4 $34,240 25% $16,200 $16.46 $11.85 2.3 2,409 $616 Aransas County HMFA $54,000 $405 $1,350 $856 $821 4,013 1.0 2.2 $15.80 $15.69 $18,030 26% $32,640 $816 $1,503 $451 $60,100 Atascosa County HMFA $21,720 $39,040 $18.77 Austin County HMFA $72,400 $543 26% $1,810 $12.14 2.6 1.5 $631 2,962 $976 $24.06 $2,150 Austin-Round Rock MSA $1,251 $50,040 42% $25,800 $86,000 $19.14 3.3 1.3 $995 296,012 $645 32% $19,380 $16.46 $16.95 2.3 1.0 $881 47,601 Beaumont-Port Arthur HMFA $64,600 $485 $1,615 $856 $34,240 $933 32,644 $91,100 $683 $2,278 $1,117 $44,680 29% $27,330 $21.48 $17.94 3.0 1.2 Brazoria County HMFA $27,880 40,219 1.8 $8.78 $13.40 $11,670 33% 1.5 $697 $973 $292 $38,900 Brownsville-Harlingen MSA $456 44,753 1.4 2.4 $12.12 $17.46 $22,170 51% $36,320 $908 $1,848 $554 $73,900 College Station-Bryan MSA $630 41% $824 $64,400 $483 $1,610 $997 $39,880 Corpus Christi HMFA $19,320 $19.17 $15.85 2.6 1.2 61,960 $43,080 42% $23,160 $20.71 $21.91 2.9 0.9 $1,140 683,306 Dallas HMFA $77,200 $579 $1,930 $1,077 $16.19 El Paso HMFA $1,293 $842 $33,680 39% $15,510 $388 $11.38 2.2 1.4 $592 101,035 $51,700 1,514 $51,700 $388 $1,293 $697 $27,880 28% $15,510 $13.40 $9.17 1.8 1.5 $477 Falls County HMFA $564 Fort Worth-Arlington HMFA $75,200 $1,880 $1,054 $42,160 38% $22,560 $20.27 $16.32 2.8 1.2 $848 294,508 $18.00 $527 $1,755 $936 $37,440 23% $21,060 Hood County HMFA $11.50 2.5 1.6 $598 4,934 $70,200 40% Houston-The Woodlands-Sugar Land HMFA $1,129 848,795 $42,640 $22,470 $20.50 $21.70 2.8 0.9 $1,066 $1,873 $562 $74,900 $15.96 $29,700 $223 $743 $830 $33,200 19% $8,910 Hudspeth County HMFA $27.33 2.2 0.6 $1,421 177 $28,020 3,655 $701 $2,335 $1,148 $45,920 27% $93,400 $22.08 $14.69 3.0 1.5 $764 Kendall County HMFA † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 229 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

236 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Killeen-Temple HMFA $1,493 $771 $30,840 45% $17,910 $14.83 $15.53 2.0 1.0 $808 60,713 $59,700 $448 28% 2,093 1.2 1.8 $10.75 $13.40 $18,480 $559 $27,880 Lampasas County HMFA $61,600 $462 $1,540 $697 37% 26,047 $461 1.7 2.1 $8.87 $15.15 $31,520 $788 $1,105 $332 $44,200 Laredo MSA $13,260 21,525 $59,400 $446 $1,485 $890 $35,600 Longview HMFA $17,820 $17.12 $13.77 2.4 1.2 $716 36% Lubbock HMFA 48,348 $649 1.3 2.2 $12.48 $16.19 $18,960 44% $33,680 $842 $1,580 $474 $63,200 $13.40 29% Lynn County HMFA $49,200 $369 $1,230 $697 $12.15 1.8 1.1 $632 625 $27,880 $14,760 $612 $13.73 Martin County HMFA 405 $714 1.0 1.8 $81,600 $13.40 $24,480 25% $27,880 $697 $2,040 $14.58 $40,300 McAllen-Edinburg-Mission MSA $758 $30,320 32% $12,090 $1,008 $9.28 2.0 1.6 $482 73,233 $302 19% $21,060 $14.35 $8.78 2.0 1.6 $457 2,889 Medina County HMFA $70,200 $527 $1,755 $746 $29,840 $1,216 18,082 $100,800 $756 $2,520 $1,368 $54,720 34% $30,240 $26.31 $23.39 3.6 1.1 Midland HMFA $27,880 1,037 1.8 $8.67 $13.40 $15,120 22% 1.5 $697 $1,260 $378 $50,400 Newton County HMFA $451 17,160 $984 1.2 3.1 $18.93 $22.77 $22,590 $47,360 $1,184 $1,883 $565 $75,300 Odessa MSA 34% 24% $1,483 $69,900 $524 $1,748 $865 $34,600 Oldham County HMFA $20,970 $16.63 $28.53 2.3 0.6 150 $30,200 26% $17,130 $14.52 $14.47 2.0 1.0 $752 4,621 Rusk County HMFA $57,100 $428 $1,428 $755 $17.31 San Angelo MSA $1,620 $900 $36,000 39% $19,440 $486 $13.46 2.4 1.3 $700 17,079 $64,800 $20,040 $66,800 $501 $1,670 $1,001 $40,040 39% 287,748 $19.25 $15.39 2.7 1.3 $800 San Antonio-New Braunfels HMFA $19,560 Sherman-Denison MSA $489 $1,630 $868 $34,720 33% $65,200 $16.69 $12.96 2.3 1.3 $674 15,376 $13.40 Somervell County HMFA $59,700 938 $1,284 0.5 1.8 $24.69 $17,910 29% $27,880 $697 $1,493 $448 $52,200 Texarkana HMFA 2.1 1.4 $568 11,651 $31,800 35% $15,660 $15.29 $10.92 $795 $1,305 $392 $17.13 $64,000 $1,600 $891 $35,640 35% $19,200 $480 $14.23 2.4 1.2 $740 27,151 Tyler MSA Victoria MSA 11,798 $756 1.2 2.4 $14.54 $17.52 $69,600 33% $36,440 $911 $1,740 $522 $20,880 36,475 $60,000 $450 $1,500 $836 $33,440 Waco HMFA $18,000 $16.08 $13.53 2.2 1.2 $704 42% † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 230 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

237 TEXAS HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% 2 BR Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $62,900 $1,573 $807 Wichita Falls MSA $32,280 37% $18,870 $15.52 $12.41 2.1 1.3 $645 $472 20,535 $18.33 Wise County HMFA $1,718 $953 $38,120 23% $20,610 $515 $12.88 2.5 1.4 $670 5,015 $68,700 Counties $16,110 28% $733 $1,343 $403 $53,700 4,676 $29,320 $14.10 $14.45 1.9 1.0 $751 Anderson County Andrews County 1,499 $1,098 0.9 2.7 $21.11 $19.73 $25,890 $41,040 $1,026 $2,158 $647 $86,300 28% Angelina County $57,800 $434 $1,445 $801 $32,040 10,680 $17,340 $15.40 $12.11 2.1 1.3 $630 35% 2,409 Aransas County $54,000 $405 $1,350 $856 $34,240 25% $16,200 $16.46 $11.85 2.3 1.4 $616 18% $426 $62,900 $472 $1,573 $807 $32,280 602 $18,870 $15.52 $8.19 2.1 1.9 Archer County $728 Armstrong County 141 $66,500 $499 $1,663 $806 $32,240 20% $19,950 $15.50 $14.01 2.1 1.1 Atascosa County $18,030 $15.69 $15.80 2.2 1.0 $821 $32,640 26% $816 $1,503 $451 $60,100 4,013 26% Austin County $12.14 2.6 1.5 $631 $21,720 $18.77 $39,040 $976 $1,810 $543 $72,400 2,962 $996 $15,030 $13.40 $19.15 1.8 0.7 Bailey County 584 $50,100 $376 $1,253 $697 $27,880 25% $40,040 2.3 Bandera County 1,393 $66,800 $501 $1,670 $1,001 17% $20,040 $19.25 $8.33 2.7 $433 $50,040 22% $25,800 $24.06 $9.86 3.3 2.4 $513 Bastrop County 5,716 $86,000 $645 $2,150 $1,251 $827 Baylor County 391 $62,500 $469 $1,563 $697 $27,880 23% $18,750 $13.40 $15.91 1.8 0.8 39% $768 3,379 $49,000 $368 $1,225 $32,600 Bee County $14,700 $15.67 $14.78 2.2 1.1 $815 $15.56 $14.83 $17,910 45% $771 $1,493 1.0 $448 $59,700 50,802 Bell County $809 2.0 $30,840 $1,001 $40,040 42% $20,040 $19.25 $15.70 2.7 1.2 $816 Bexar County 260,106 $66,800 $501 $1,670 $13.78 $72,400 $848 $33,920 25% $21,720 $16.31 $1,810 2.2 1.2 $717 $543 Blanco County 1,031 $84,400 $633 $2,110 $736 $29,440 30% $25,320 $14.15 $10.15 Borden County 75 2.0 1.4 $528 $13.52 Bosque County $57,900 $616 1.1 1.9 $11.85 1,625 $17,370 23% $28,120 $703 $1,448 $434 11,651 Bowie County $568 1.4 2.1 $10.92 $15.29 $15,660 35% $31,800 $795 $1,305 $392 $52,200 $933 32,644 $91,100 $683 $2,278 $1,117 $44,680 29% $27,330 $21.48 $17.94 3.0 1.2 Brazoria County 55% Brazos County $73,900 $554 $1,848 $908 $36,320 41,721 $22,170 $17.46 $12.15 2.4 1.4 $632 $31,440 $15.12 $11.99 2.1 1.3 $623 $1,408 $422 $56,300 1,720 Brewster County $786 43% $16,890 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 231

238 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Briscoe County $404 $1,348 $697 $27,880 25% $16,170 $13.40 $11.38 1.8 1.2 $592 174 $53,900 34% $27,880 1.6 1.8 $8.26 $13.40 $8,400 $429 $697 $700 $210 $28,000 694 Brooks County 3,866 Brown County $1,333 $400 $53,300 $705 $28,200 29% $15,990 $13.56 $10.98 1.9 1.2 $571 $22,170 Burleson County $554 $1,848 $908 $36,320 20% $73,900 $17.46 $13.70 2.4 1.3 $713 1,286 $690 4,175 $62,700 $470 $1,568 $819 $32,760 26% $18,810 $15.75 $13.27 2.2 1.2 Burnet County $25,800 34% $12.02 3.3 2.0 $625 $1,251 $645 $86,000 4,280 Caldwell County $50,040 $24.06 $2,150 $978 2,406 $65,700 $493 $1,643 $848 Calhoun County 31% $19,710 $16.31 $18.80 2.2 0.9 $33,920 1.1 2.1 $13.60 $15.48 $19,170 19% $32,200 $805 $1,598 $479 $63,900 979 Callahan County $707 $27,880 1.5 40,219 $38,900 $292 $973 $697 Cameron County 33% $11,670 $13.40 $8.78 1.8 $456 $27,880 30% $13,560 $13.40 $14.64 1.8 0.9 $761 Camp County 1,343 $45,200 $339 $1,130 $697 14% $1,123 $66,500 $499 $1,663 $806 $32,240 325 $19,950 $15.50 $21.60 2.1 0.7 Carson County $549 Cass County 2,721 $50,500 $379 $1,263 $697 $27,880 23% $15,150 $13.40 $10.56 1.8 1.3 $754 1.2 2.0 $12.60 $14.50 $13,410 33% $30,160 $1,118 $335 $44,700 831 Castro County $655 20% $1,055 $74,900 $562 $1,873 $1,066 $42,640 2,531 $22,470 $20.50 $20.29 2.8 1.0 Chambers County 26% Cherokee County 4,633 $50,000 $375 $1,250 $743 $554 1.3 2.0 $10.64 $14.29 $15,000 $29,720 $720 $28,800 42% $17,940 $13.85 $16.73 1.9 0.8 $870 Childress County 984 $59,800 $449 $1,495 $62,900 650 $1,573 $807 $32,280 16% $18,870 $15.52 $9.78 2.1 1.6 $509 Clay County $472 $13.26 $45,400 $697 $27,880 21% $13,620 $13.40 $1,135 1.8 1.0 $690 212 $341 Cochran County $64,600 $485 $1,615 $697 $27,880 29% $19,380 Coke County $10.50 1.8 1.3 $546 453 $13.40 947 $337 $1,123 $697 $27,880 28% $44,900 $13.40 $8.64 1.8 1.6 $449 Coleman County $13,470 $1,046 $1,077 $23,160 $20.71 $20.11 Collin County 106,802 34% $43,080 2.9 1.0 $1,930 $579 $77,200 24% Collingsworth County $48,400 $363 $1,210 $697 $27,880 259 $14,520 $13.40 $16.26 1.8 0.8 $846 1.0 $698 1.8 $13.41 $13.40 $17,970 18% Colorado County $697 $1,498 $449 $59,900 1,409 $27,880 $662 11,397 $66,800 $501 $1,670 $1,001 Comal County 25% $20,040 $19.25 $12.73 2.7 1.5 $40,040 $13,620 21% $27,880 $697 $1,135 $341 $45,400 1,091 Comanche County 1.1 $12.12 $13.40 1.8 $630 $1,036 $41,440 26% $17,580 $19.92 $9.72 2.7 2.0 $505 Concho County 208 $58,600 $440 $1,465 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 232

239 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Cooke County $487 $1,623 $809 $32,360 30% $19,470 $15.56 $11.95 2.1 1.3 $621 4,484 $64,900 43% $30,840 1.0 2.0 $15.25 $14.83 $17,910 $793 $771 $1,493 $448 $59,700 9,911 Coryell County 225 Cottle County $1,145 $344 $45,800 $736 $29,440 33% $13,740 $14.15 $8.76 2.0 1.6 $456 $21,870 Crane County $547 $1,823 $697 $27,880 21% $72,900 $13.40 $23.76 1.8 0.6 $1,236 329 $733 348 $65,500 $491 $1,638 $697 $27,880 24% $19,650 $13.40 $14.10 1.8 1.0 Crockett County $18,960 32% $14.56 2.2 1.1 $757 $842 $474 $63,200 681 Crosby County $33,680 $16.19 $1,580 $704 257 $43,700 $328 $1,093 $736 Culberson County 34% $13,110 $14.15 $13.54 2.0 1.0 $29,440 0.8 2.0 $18.98 $14.81 $14,760 42% $30,800 $770 $1,230 $369 $49,200 998 Dallam County $987 $43,080 0.9 442,258 $77,200 $579 $1,930 $1,077 Dallas County 49% $23,160 $20.71 $23.99 2.9 $1,248 $27,880 29% $16,080 $13.40 $12.15 1.8 1.1 $632 Dawson County 1,234 $53,600 $402 $1,340 $697 34% $792 $53,700 $403 $1,343 $774 $30,960 2,063 $16,110 $14.88 $15.23 2.1 1.0 Deaf Smith County $253 Delta County 521 $55,000 $413 $1,375 $697 $27,880 26% $16,500 $13.40 $4.87 1.8 2.8 $1,077 1.4 2.9 $14.45 $20.71 $23,160 36% $43,080 $1,930 $579 $77,200 95,401 Denton County $752 24% $626 $68,100 $511 $1,703 $697 $27,880 1,725 $20,430 $13.40 $12.03 1.8 1.1 DeWitt County 27% Dickens County 238 $55,700 $418 $1,393 $697 $851 0.8 1.8 $16.36 $13.40 $16,710 $27,880 $736 $29,440 27% $14,220 $14.15 $21.01 2.0 0.7 $1,093 Dimmit County 934 $47,400 $356 $1,185 $53,100 319 $1,328 $697 $27,880 25% $15,930 $13.40 $12.80 1.8 1.0 $665 Donley County $398 $15.97 $43,700 $730 $29,200 32% $13,110 $14.04 $1,093 1.9 0.9 $830 1,254 $328 Duval County $46,200 $347 $1,155 $697 $27,880 27% $13,860 Eastland County $19.71 1.8 0.7 $1,025 1,805 $13.40 17,160 $565 $1,883 $1,184 $47,360 34% $75,300 $22.77 $18.93 3.1 1.2 $984 Ector County $22,590 $565 $736 $18,270 $14.15 $10.87 Edwards County 82 11% $29,440 2.0 1.3 $1,523 $457 $60,900 28% Ellis County $77,200 $579 $1,930 $1,077 $43,080 14,956 $23,160 $20.71 $12.48 2.9 1.7 $649 1.4 $592 2.2 $11.38 $16.19 $15,510 39% El Paso County $842 $1,293 $388 $51,700 101,035 $33,680 $536 5,546 $56,200 $422 $1,405 $760 Erath County 39% $16,860 $14.62 $10.31 2.0 1.4 $30,400 $15,510 28% $27,880 $697 $1,293 $388 $51,700 1,514 Falls County 1.5 $9.17 $13.40 1.8 $477 $697 $27,880 25% $17,250 $13.40 $9.83 1.8 1.4 $511 Fannin County 3,002 $57,500 $431 $1,438 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 233

240 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Fayette County $489 $1,630 $727 $29,080 22% $19,560 $13.98 $14.06 1.9 1.0 $731 2,142 $65,200 $27,880 27% 0.9 1.8 $15.50 $13.40 $16,980 $806 $697 $1,415 $425 $56,600 449 Fisher County 726 Floyd County $1,280 $384 $51,200 $697 $27,880 30% $15,360 $13.40 $10.72 1.8 1.3 $557 Foard County † $52,200 $392 $1,305 $697 113 21% $15,660 $13.40 1.8 $27,880 Fort Bend County $753 $74,900 $562 $1,873 $1,066 $42,640 22% $22,470 $20.50 $14.48 2.8 1.4 47,089 1,115 1.8 Franklin County $13.40 1.1 $649 $18,090 $27,880 $697 $1,508 $452 $60,300 $12.47 27% $786 1,769 $58,400 $438 $1,460 $697 Freestone County 24% $17,520 $13.40 $15.12 1.8 0.9 $27,880 0.7 1.8 $19.77 $13.40 $12,840 31% $27,880 $697 $1,070 $321 $42,800 1,436 Frio County $1,028 $27,880 0.7 1,367 $64,900 $487 $1,623 $697 Gaines County 24% $19,470 $13.40 $18.41 1.8 $957 $42,640 34% $22,470 $20.50 $12.63 2.8 1.6 $657 Galveston County 39,138 $74,900 $562 $1,873 $1,066 33% $744 $56,800 $426 $1,420 $697 $27,880 530 $17,040 $13.40 $14.31 1.8 0.9 Garza County $594 Gillespie County 2,410 $71,000 $533 $1,775 $979 $39,160 23% $21,300 $18.83 $11.43 2.6 1.6 $736 0.9 2.0 $14.90 $14.15 $30,930 $29,440 33% $2,578 $773 $103,100 144 Glasscock County $775 18% $382 $69,600 $522 $1,740 $911 $36,440 503 $20,880 $17.52 $7.34 2.4 2.4 Goliad County 32% Gonzales County 2,122 $53,500 $401 $1,338 $697 $605 1.2 1.8 $11.63 $13.40 $16,050 $27,880 $742 $29,680 27% $17,460 $14.27 $15.09 2.0 0.9 $785 Gray County 2,227 $58,200 $437 $1,455 $65,200 15,376 $1,630 $868 $34,720 33% $19,560 $16.69 $12.96 2.3 1.3 $674 Grayson County $489 $13.81 $59,400 $890 $35,600 41% $17,820 $17.12 $1,485 2.4 1.2 $718 18,513 $446 Gregg County $61,100 $458 $1,528 $697 $27,880 23% $18,330 Grimes County $13.29 1.8 1.0 $691 2,054 $13.40 12,294 $501 $1,670 $1,001 $40,040 25% $66,800 $19.25 $13.56 2.7 1.4 $705 Guadalupe County $20,040 $598 $697 $14,940 $13.40 $11.50 Hale County 4,398 39% $27,880 1.8 1.2 $1,245 $374 $49,800 38% Hall County $35,900 $269 $898 $697 $27,880 471 $10,770 $13.40 $11.19 1.8 1.2 $582 1.4 $530 1.9 $10.19 $14.06 $17,880 27% Hamilton County $731 $1,490 $447 $59,600 862 $29,240 $1,106 542 $56,900 $427 $1,423 $724 Hansford County 27% $17,070 $13.92 $21.28 1.9 0.7 $28,960 $15,810 27% $27,960 $699 $1,318 $395 $52,700 436 Hardeman County 1.1 $12.55 $13.44 1.9 $653 $856 $34,240 21% $19,380 $16.46 $15.03 2.3 1.1 $781 Hardin County 4,186 $64,600 $485 $1,615 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 234

241 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Harris County $562 $1,873 $1,066 $42,640 45% $22,470 $20.50 $23.05 2.8 0.9 $1,198 698,347 $74,900 27% $30,120 0.9 2.0 $16.29 $14.48 $16,920 $847 $753 $1,410 $423 $56,400 6,313 Harrison County 694 Hartley County $1,825 $548 $73,000 $809 $32,360 38% $21,900 $15.56 $13.53 2.1 1.1 $704 $16,080 Haskell County $402 $1,340 $697 $27,880 24% $53,600 $13.40 $8.64 1.8 1.6 $449 537 $475 23,810 $86,000 $645 $2,150 $1,251 $50,040 37% $25,800 $24.06 $9.14 3.3 2.6 Hays County $21,000 32% $19.96 1.8 0.7 $1,038 $697 $525 $70,000 434 Hemphill County $27,880 $13.40 $1,750 $572 7,498 $59,600 $447 $1,490 $784 Henderson County 25% $17,880 $15.08 $10.99 2.1 1.4 $31,360 1.6 2.0 $9.28 $14.58 $12,090 32% $30,320 $758 $1,008 $302 $40,300 73,233 Hidalgo County $482 $29,440 1.0 3,452 $54,500 $409 $1,363 $736 Hill County 27% $16,350 $14.15 $13.58 2.0 $706 $31,840 33% $18,870 $15.31 $14.97 2.1 1.0 $779 Hockley County 2,638 $62,900 $472 $1,573 $796 23% $598 $70,200 $527 $1,755 $936 $37,440 4,934 $21,060 $18.00 $11.50 2.5 1.6 Hood County $588 Hopkins County 3,809 $56,100 $421 $1,403 $777 $31,080 29% $16,830 $14.94 $11.31 2.1 1.3 $725 0.9 1.9 $15.30 $13.94 $14,160 30% $29,000 $1,180 $354 $47,200 2,433 Houston County $795 34% $783 $63,000 $473 $1,575 $849 $33,960 3,769 $18,900 $16.33 $15.06 2.3 1.1 Howard County 19% Hudspeth County 177 $29,700 $223 $743 $830 $1,421 0.6 2.2 $27.33 $15.96 $8,910 $33,200 $1,077 $43,080 31% $23,160 $20.71 $14.99 2.9 1.4 $780 Hunt County 9,596 $77,200 $579 $1,930 $62,100 1,849 $1,553 $771 $30,840 23% $18,630 $14.83 $15.43 2.0 1.0 $802 Hutchinson County $466 $21.60 $64,800 $900 $36,000 24% $19,440 $17.31 $1,620 2.4 0.8 $1,123 149 $486 Irion County $62,000 $465 $1,550 $891 $35,640 20% $18,600 Jack County $15.31 2.4 1.1 $796 618 $17.13 1,440 $536 $1,785 $813 $32,520 28% $71,400 $15.63 $15.94 2.2 1.0 $829 Jackson County $21,420 $566 $798 $17,460 $15.35 $10.89 Jasper County 2,907 24% $31,920 2.1 1.4 $1,455 $437 $58,200 24% Jeff Davis County $64,700 $485 $1,618 $1,062 $42,480 245 $19,410 $20.42 $14.89 2.8 1.4 $775 0.9 $903 2.3 $17.37 $16.46 $19,380 38% Jefferson County $856 $1,615 $485 $64,600 35,395 $34,240 $384 377 $45,400 $341 $1,135 $697 Jim Hogg County 24% $13,620 $13.40 $7.38 1.8 1.8 $27,880 $16,800 30% $33,160 $829 $1,400 $420 $56,000 4,089 Jim Wells County 1.4 $11.21 $15.94 2.2 $583 $1,054 $42,160 26% $22,560 $20.27 $13.14 2.8 1.5 $683 Johnson County 14,190 $75,200 $564 $1,880 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 235

242 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Jones County $479 $1,598 $805 $32,200 25% $19,170 $15.48 $12.10 2.1 1.3 $629 1,419 $63,900 $28,560 $13.73 0.7 1.9 $18.60 $18,270 25% $967 $714 $1,523 $457 $60,900 1,091 Karnes County $77,200 8,464 Kaufman County 24% $43,080 $1,077 $1,930 $579 $23,160 $20.71 $11.70 2.9 1.8 $608 $28,020 Kendall County $701 $2,335 $1,148 $45,920 27% $93,400 $22.08 $14.69 3.0 1.5 $764 3,655 $1,417 107 $54,800 $411 $1,370 $761 $30,440 63% $16,440 $14.63 $27.24 2.0 0.5 Kenedy County Kent County † $27,880 $13.40 1.8 $473 $63,100 $697 $18,930 29% 82 $1,578 $14.55 6,317 $58,400 $438 $1,460 $823 Kerr County 31% $17,520 $15.83 $757 1.1 2.2 $32,920 $14.83 $16,440 26% $30,840 $771 $1,370 $411 $54,800 544 Kimble County $484 1.6 2.0 $9.31 $2,035 $19.38 84 $81,400 $611 King County † $1,008 $40,320 74% $24,420 2.7 $29,760 20% $14,580 $14.31 $12.12 2.0 1.2 $630 Kinney County 228 $48,600 $365 $1,215 $744 45% $521 $49,200 $369 $1,230 $771 $30,840 4,886 $14,760 $14.83 $10.02 2.0 1.5 Kleberg County $680 Knox County 347 $53,500 $401 $1,338 $697 $27,880 25% $16,050 $13.40 $13.07 1.8 1.0 $736 1.0 2.0 $13.49 $16,020 35% $29,440 $14.15 $1,335 $401 $53,400 6,769 Lamar County $701 30% $776 $50,100 $376 $1,253 $697 $27,880 1,433 $15,030 $13.40 $14.92 1.8 0.9 Lamb County 28% Lampasas County 2,093 $61,600 $462 $1,540 $697 $559 1.2 1.8 $10.75 $13.40 $18,480 $27,880 $769 $30,760 31% $13,200 $14.79 $25.83 2.0 0.6 $1,343 La Salle County 647 $44,000 $330 $1,100 Lavaca County 1,821 $450 $1,500 $697 $27,880 24% $18,000 $13.40 $13.75 1.8 1.0 $715 $60,000 $20,070 Lee County $502 $1,673 $767 $30,680 24% $66,900 $14.75 $14.25 2.0 1.0 $741 1,468 Leon County 1,254 $63,400 $476 $1,585 $697 $27,880 20% $19,020 $13.40 $18.53 1.8 0.7 $964 25% Liberty County $74,900 $562 $1,873 $1,066 $42,640 6,418 $22,470 $20.50 $12.96 2.8 1.6 $674 $672 $818 $14,730 $15.73 $12.93 2.2 1.2 Limestone County 2,134 $49,100 $368 $1,228 $32,720 27% $23,910 307 $598 $1,993 $703 $28,120 25% $79,700 $13.52 $19.66 1.9 0.7 $1,022 Lipscomb County Live Oak County 764 $57,200 $429 $1,430 $697 $27,880 21% $17,160 $13.40 $18.93 1.8 $984 0.7 $531 Llano County $64,400 $483 $804 $32,160 24% $19,320 $15.46 $10.20 2.1 1.5 2,095 $1,610 Loving County † $78,500 $589 $1,963 $736 20 54% $23,550 $14.15 2.0 $29,440 1.3 $648 44% $16.19 $33,680 $842 $1,580 $12.46 $474 $63,200 47,667 Lubbock County 2.2 $18,960 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 236 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

243 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lynn County $369 $1,230 $697 $27,880 29% $14,760 $13.40 $12.15 1.8 1.1 $632 625 $49,200 26% $27,880 1.1 1.8 $12.58 $13.40 $14,850 $654 $697 $1,238 $371 $49,500 792 McCulloch County 36,475 McLennan County $1,500 $450 $60,000 $836 $33,440 42% $18,000 $16.08 $13.53 2.2 1.2 $704 $18,150 McMullen County $454 $1,513 $736 $29,440 25% $60,500 $14.15 $24.20 2.0 0.6 $1,258 59 $675 1,316 $48,600 $365 $1,215 $736 $29,440 32% $14,580 $14.15 $12.99 2.0 1.1 Madison County $15,000 22% $8.13 1.8 1.6 $423 $697 $375 $50,000 944 Marion County $27,880 $13.40 $1,250 $714 405 $81,600 $612 $2,040 $697 Martin County 25% $24,480 $13.40 $13.73 1.8 1.0 $27,880 2.0 2.7 $9.74 $19.79 $16,230 24% $41,160 $1,029 $1,353 $406 $54,100 402 Mason County $506 $30,000 0.7 4,499 $53,000 $398 $1,325 $750 Matagorda County 33% $15,900 $14.42 $20.49 2.0 $1,066 $28,080 31% $11,820 $13.50 $8.57 1.9 1.6 $446 Maverick County 5,076 $39,400 $296 $985 $702 19% $457 $70,200 $527 $1,755 $746 $29,840 2,889 $21,060 $14.35 $8.78 2.0 1.6 Medina County $363 Menard County 337 $46,400 $348 $1,160 $697 $27,880 36% $13,920 $13.40 $6.99 1.8 1.9 $1,368 1.1 3.6 $23.39 $26.31 $30,240 34% $54,720 $2,520 $756 $100,800 18,082 Midland County $1,216 33% $800 $56,300 $422 $1,408 $715 $28,600 3,140 $16,890 $13.75 $15.39 1.9 0.9 Milam County 16% Mills County 300 $56,100 $421 $1,403 $697 $326 2.1 1.8 $6.28 $13.40 $16,830 $27,880 $697 $27,880 25% $19,200 $13.40 $17.53 1.8 0.8 $912 Mitchell County 652 $64,000 $480 $1,600 $56,200 2,298 $1,405 $826 $33,040 28% $16,860 $15.88 $10.71 2.2 1.5 $557 Montague County $422 $17.13 $74,900 $1,066 $42,640 28% $22,470 $20.50 $1,873 2.8 1.2 $891 50,822 $562 Montgomery County $54,600 $410 $1,365 $735 $29,400 34% $16,380 Moore County $15.87 1.9 0.9 $825 2,290 $14.13 1,313 $383 $1,275 $697 $27,880 26% $51,000 $13.40 $13.35 1.8 1.0 $694 Morris County $15,300 $482 $697 $13,410 $13.40 $9.26 Motley County 146 31% $27,880 1.8 1.4 $1,118 $335 $44,700 43% Nacogdoches County $55,700 $418 $1,393 $819 $32,760 10,406 $16,710 $15.75 $10.51 2.2 1.5 $546 1.3 $602 2.0 $11.57 $14.56 $15,870 32% Navarro County $757 $1,323 $397 $52,900 5,634 $30,280 $451 1,037 $50,400 $378 $1,260 $697 Newton County 22% $15,120 $13.40 $8.67 1.8 1.5 $27,880 $15,000 32% $27,880 $697 $1,250 $375 $50,000 1,793 Nolan County 1.1 $12.58 $13.40 1.8 $654 $997 $39,880 43% $19,320 $19.17 $15.58 2.6 1.2 $810 Nueces County 54,598 $64,400 $483 $1,610 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 237

244 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Ochiltree County $477 $1,590 $769 $30,760 29% $19,080 $14.79 $21.09 2.0 0.7 $1,097 1,038 $63,600 24% $34,600 0.6 2.3 $28.53 $16.63 $20,970 $1,483 $865 $1,748 $524 $69,900 150 Oldham County 8,020 Orange County $1,615 $485 $64,600 $856 $34,240 25% $19,380 $16.46 $15.59 2.3 1.1 $811 $15,330 Palo Pinto County $383 $1,278 $778 $31,120 32% $51,100 $14.96 $12.78 2.1 1.2 $664 3,308 $811 1,997 $63,600 $477 $1,590 $714 $28,560 22% $19,080 $13.73 $15.59 1.9 0.9 Panola County $22,560 23% $11.55 2.8 1.8 $601 $1,054 $564 $75,200 9,778 Parker County $42,160 $20.27 $1,880 $794 987 $53,400 $401 $1,335 $697 Parmer County 31% $16,020 $13.40 $15.27 1.8 0.9 $27,880 0.9 2.1 $16.41 $14.94 $20,670 29% $31,080 $777 $1,723 $517 $68,900 1,238 Pecos County $853 $30,000 1.2 4,195 $53,100 $398 $1,328 $750 Polk County 24% $15,930 $14.42 $11.57 2.0 $602 $32,240 43% $19,950 $15.50 $14.46 2.1 1.1 $752 Potter County 18,472 $66,500 $499 $1,663 $806 35% $482 $41,000 $308 $1,025 $697 $27,880 898 $12,300 $13.40 $9.26 1.8 1.4 Presidio County $451 Rains County 924 $60,900 $457 $1,523 $697 $27,880 22% $18,270 $13.40 $8.67 1.8 1.5 $806 1.2 2.1 $12.86 $15.50 $19,950 31% $32,240 $1,663 $499 $66,500 15,275 Randall County $669 30% $1,180 $73,200 $549 $1,830 $697 $27,880 357 $21,960 $13.40 $22.68 1.8 0.6 Reagan County 23% Real County 280 $46,300 $347 $1,158 $697 $547 1.3 1.8 $10.53 $13.40 $13,890 $27,880 $697 $27,880 26% $13,170 $13.40 $12.40 1.8 1.1 $645 Red River County 1,338 $43,900 $329 $1,098 $58,100 1,102 $1,453 $697 $27,880 29% $17,430 $13.40 $19.64 1.8 0.7 $1,021 Reeves County $436 $10.64 $54,300 $716 $28,640 27% $16,290 $13.77 $1,358 1.9 1.3 $553 748 $407 Refugio County $88,000 $660 $2,200 $736 $29,440 21% $26,400 Roberts County $26.78 2.0 0.5 $1,392 72 $14.15 1,746 $554 $1,848 $908 $36,320 27% $73,900 $17.46 $9.74 2.4 1.8 $506 Robertson County $22,170 $602 $1,077 $23,160 $20.71 $11.57 Rockwall County 5,829 20% $43,080 2.9 1.8 $1,930 $579 $77,200 26% Runnels County $52,300 $392 $1,308 $697 $27,880 973 $15,690 $13.40 $10.70 1.8 1.3 $557 1.0 $752 2.0 $14.47 $14.52 $17,130 26% Rusk County $755 $1,428 $428 $57,100 4,621 $30,200 $453 473 $40,200 $302 $1,005 $726 Sabine County 13% $12,060 $13.96 $8.70 1.9 1.6 $29,040 $12,960 19% $27,880 $697 $1,080 $324 $43,200 579 San Augustine County 1.1 $12.51 $13.40 1.8 $650 $697 $27,880 14% $16,770 $13.40 $8.49 1.8 1.6 $441 San Jacinto County 1,378 $55,900 $419 $1,398 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 238

245 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage San Patricio County $483 $1,610 $997 $39,880 32% $19,320 $19.17 $18.31 2.6 1.0 $952 7,362 $64,400 33% $27,880 1.2 1.8 $11.34 $13.40 $14,400 $589 $697 $1,200 $360 $48,000 688 San Saba County 245 Schleicher County $1,770 $531 $70,800 $697 $27,880 22% $21,240 $13.40 $19.50 1.8 0.7 $1,014 $21,390 Scurry County $535 $1,783 $846 $33,840 27% $71,300 $16.27 $19.43 2.2 0.8 $1,010 1,597 $875 273 $61,400 $461 $1,535 $697 $27,880 21% $18,420 $13.40 $16.82 1.8 0.8 Shackelford County $14,610 29% $8.78 1.8 1.5 $457 $697 $365 $48,700 2,623 Shelby County $27,880 $13.40 $1,218 $686 230 $63,200 $474 $1,580 $697 Sherman County 23% $18,960 $13.40 $13.20 1.8 1.0 $27,880 1.2 2.4 $14.23 $17.13 $19,200 35% $35,640 $891 $1,600 $480 $64,000 27,151 Smith County $740 $27,880 0.5 938 $59,700 $448 $1,493 $697 Somervell County 29% $17,910 $13.40 $24.69 1.8 $1,284 $27,880 26% $9,300 $13.40 $6.54 1.8 2.0 $340 Starr County 4,252 $31,000 $233 $775 $697 22% $466 $57,400 $431 $1,435 $697 $27,880 748 $17,220 $13.40 $8.96 1.8 1.5 Stephens County $1,326 Sterling County 95 $64,400 $483 $1,610 $736 $29,440 21% $19,320 $14.15 $25.51 2.0 0.6 $736 2.6 2.0 $5.46 $14.15 $18,120 24% $29,440 $1,510 $453 $60,400 120 Stonewall County $284 34% $1,413 $58,700 $440 $1,468 $697 $27,880 501 $17,610 $13.40 $27.18 1.8 0.5 Sutton County 29% Swisher County 767 $51,000 $383 $1,275 $697 $598 1.2 1.8 $11.50 $13.40 $15,300 $27,880 $1,054 $42,160 40% $22,560 $20.27 $16.64 2.8 1.2 $865 Tarrant County 270,540 $75,200 $564 $1,880 $686 Taylor County $479 $1,598 $805 $32,200 42% $19,170 $15.48 $13.20 2.1 1.2 $63,900 20,716 Terrell County † $56,500 $424 $1,413 $745 127 32% $16,950 $14.33 2.0 $29,800 Terry County 1,187 $46,100 $346 $1,153 $720 $28,800 28% $13,830 $13.85 $15.75 1.9 0.9 $819 27% Throckmorton County $56,300 $422 $1,408 $697 $27,880 198 $16,890 $13.40 $11.98 1.8 1.1 $623 $15,540 1.8 1.0 $726 Titus County 3,457 $51,800 $389 $1,295 $697 $27,880 33% $13.40 $13.96 $17.31 16,930 $1,620 $900 $36,000 39% $19,440 $486 $13.27 2.4 1.3 $690 $64,800 Tom Green County $86,000 Travis County $1,080 1.2 3.3 $20.77 $24.06 $25,800 48% $50,040 $1,251 $2,150 $645 210,241 $30,600 $609 1.3 2.0 $11.71 $14.71 $14,010 20% $765 $1,168 $350 $46,700 1,075 Trinity County Tyler County $56,100 $421 $1,403 $697 $27,880 1,080 $16,830 $13.40 $7.78 1.8 1.7 $404 14% 1.3 $687 $1,485 $35,600 $446 22% $59,400 3,012 Upshur County $890 $17.12 $13.21 2.4 $17,820 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 239 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

246 TEXAS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Upton County $456 $1,520 $697 $27,880 26% $18,240 $13.40 $21.96 1.8 0.6 $1,142 329 $60,800 $27,880 $697 $1,235 $371 $49,400 2,443 Uvalde County 29% $14,820 $13.40 $10.76 1.8 1.2 $559 Val Verde County 36% 1.3 1.9 $10.95 $13.75 $15,480 $569 $28,600 $715 $1,290 $387 $51,600 5,442 22% $568 $57,700 $433 $1,443 $775 $31,000 4,213 $17,310 $14.90 $10.91 2.1 1.4 Van Zandt County Victoria County $765 1.2 2.4 $14.72 $17.52 $20,880 35% $36,440 $911 $1,740 $522 $69,600 11,295 $19,110 $35,160 Walker County 9,561 $63,700 $478 $1,593 $16.90 $9.32 2.3 1.8 $485 $879 46% $74,900 $20.50 4,450 $646 1.6 2.8 $12.43 Waller County $22,470 32% $42,640 $1,066 $1,873 $562 $1,268 1,125 Ward County 0.5 1.8 $24.38 $13.40 $62,900 $18,870 29% $27,880 $697 $1,573 $472 $19,320 Washington County $64,400 $1,610 $819 $32,760 24% $483 $15.75 $11.12 2.2 1.4 $578 2,828 $31,520 37% $13,260 $15.15 $8.87 2.1 1.7 $461 Webb County 26,047 $44,200 $332 $1,105 $788 $30,800 $551 4,841 $56,000 $420 $1,400 $770 Wharton County 32% $16,800 $14.81 $10.59 2.0 1.4 0.9 $783 Wheeler County 778 $59,900 $449 $1,498 $697 $27,880 33% $17,970 $13.40 $15.06 1.8 40% $654 $62,900 $472 $1,573 $807 $32,280 19,283 $18,870 $15.52 $12.57 2.1 1.2 Wichita County 1.0 Wilbarger County 1,907 $56,800 $426 $1,420 $697 $27,880 37% $17,040 $13.40 $13.23 1.8 $688 $697 $27,880 22% $9,690 $13.40 $9.47 1.8 1.4 $492 Willacy County 1,263 $32,300 $242 $808 $25,800 Williamson County $645 $2,150 $1,251 $50,040 31% $86,000 $24.06 $17.14 3.3 1.4 $891 51,965 17% 2,558 $66,800 $501 $1,670 $1,001 $40,040 $574 $20,040 $19.25 $11.04 2.7 1.7 Wilson County 22% Winkler County $64,400 $483 $1,610 $697 $27,880 575 $19,320 $13.40 $21.78 1.8 0.6 $1,133 $670 Wise County 5,015 $68,700 $515 $1,718 $953 $38,120 23% $20,610 $18.33 $12.88 2.5 1.4 3,184 $752 20% $16,650 $14.46 $10.82 2.0 1.3 $563 Wood County $30,080 $1,388 $416 $55,500 $20,880 617 $522 $1,740 $697 $27,880 23% $69,600 $13.40 $23.38 1.8 0.6 $1,216 Yoakum County Young County 1,495 $59,600 $447 $1,490 $709 $28,360 21% $17,880 $13.63 $12.01 1.9 1.1 $624 $11,430 Zapata County $286 $953 $697 $27,880 23% $38,100 $13.40 $9.34 1.8 1.4 $486 1,039 $348 1,150 $36,300 $272 $908 $697 $27,880 32% $10,890 $13.40 $6.69 1.8 2.0 Zavala County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 240 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

247 S TAT E S TAT E * RANKING RANKING # 26 UTAH In . Utah , the Fair Market Rent (FMR) for a two-bedroom apartment is $924 $17.77 In order to afford this level of rent and utilities — without paying more than PER HOUR $3,079 30% of income on housing — a household must earn monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $36,952 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT UTAH: STATE FACTS 79 98 Work Hours Per Week At Work Hours Per Week At To Afford a Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom Minimum Wage $7.25 Rental Home (at FMR) (at FMR) Rental Home $13.92 Average Renter Wage $17.77 2-Bedroom Housing Wage 2.5 2 Number of Full-Time Jobs At Number of Full-Time Jobs At 279,600 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a (at FMR) 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home Percent Renters 30% Two bedroom FMR $924 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $749 Rent affordable at Summit County $22.63 $1,895 area median income (AMI) Rent affordable with full-time job paying $724 Wasatch County $20.08 mean renter wage Rent affordable at 30% of AMI $568 $19.90 Salt Lake City HMFA Rent affordable with full-time job $377 paying minimum wage $18.33 Uintah County Rent affordable to SSI recipient $233 $17.27 K ane County $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 241

248 UTAH RENTERS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI FMR of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Utah 1.3 $13.92 $17.77 30% $36,952 $22,735 $924 $75,784 2.5 $1,895 279,600 $568 $724 Combined Nonmetro Areas $527 27,572 $1,757 $16.35 $12.09 2.3 1.4 $629 $850 $70,296 $21,089 $34,014 27% Metropolitan Areas 3,957 $65,400 $491 $1,635 $697 $27,880 24% $19,620 $13.40 $11.72 1.8 1.1 $610 Box Elder County HMFA $19,380 Logan MSA $485 $1,615 $702 $28,080 36% $64,600 $13.50 $9.34 1.9 1.4 $486 12,899 45,979 $589 1.5 2.3 $11.33 $16.96 $882 25% $35,280 $1,953 $586 $78,100 Ogden-Clearfield HMFA $23,430 50,236 $74,700 $560 $1,868 $836 $33,440 33% $22,410 $16.08 $13.08 2.2 1.2 $680 Provo-Orem MSA $24,000 Salt Lake City HMFA $600 $2,000 $1,035 $41,400 34% $80,000 $19.90 $15.94 2.7 1.2 $829 119,914 $863 14,741 $638 1.4 2.3 $12.27 $16.60 $1,615 29% $34,520 $485 $64,600 St. George MSA $19,380 Tooele County HMFA $548 $1,825 $849 $33,960 23% $73,000 $16.33 $11.64 2.3 1.4 $605 4,302 $21,900 Counties 1.3 $531 633 $63,900 $479 $1,598 $704 $28,160 28% $19,170 $13.54 $10.22 1.9 Beaver County $697 $610 $11.72 $13.40 $19,620 24% $27,880 1.8 $1,635 $491 $65,400 3,957 Box Elder County 1.1 1.4 1.9 $9.34 $13.50 $19,380 36% $28,080 $702 $1,615 $485 $64,600 12,899 Cache County $486 $715 1.9 Carbon County 2,146 $64,900 $487 $1,623 $646 $28,600 28% $19,470 $13.75 $12.42 1.1 $805 Daggett County 15 $72,500 7% $544 $21,750 $1,813 $15.48 $12.30 2.1 1.3 $640 $32,200 $23,430 Davis County $586 $1,953 $882 $35,280 23% $78,100 $16.96 $11.77 2.3 1.4 $612 23,061 $850 1,641 $71,200 $534 $1,780 $859 $34,360 25% $21,360 $16.52 $16.35 2.3 1.0 Duchesne County 1.2 $595 1.8 $11.45 $13.40 $18,690 18% Emery County $697 $1,558 $467 $62,300 623 $27,880 $549 331 $50,400 $378 $1,260 $697 $27,880 20% $15,120 $13.40 $10.55 1.8 1.3 Garfield County 30% Grand County $52,000 $390 $1,300 $851 $34,040 1,162 $15,600 $16.37 $9.00 2.3 1.8 $468 $27,880 $697 $1,403 $56,100 5,395 Iron County $470 1.8 $9.03 $13.40 $16,830 1.5 35% $421 $33,440 20% $22,410 $16.08 $12.96 2.2 1.2 $674 Juab County 634 $74,700 $560 $1,868 $836 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 242 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

249 UTAH FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Kane County $503 $1,675 $898 $35,920 23% $20,100 $17.27 $12.44 2.4 1.4 $647 584 $67,000 22% $27,880 912 $64,900 $487 $1,623 $697 Millard County $19,470 $13.40 $13.48 1.8 1.0 $701 $508 15% $35,280 1.7 2.3 $9.77 $16.96 $23,430 Morgan County 469 $78,100 $586 $1,953 $882 Piute County $419 2.0 2.2 $8.05 $16.21 $14,220 12% $33,720 $843 $1,185 $356 $47,400 66 $32,200 $366 156 $59,900 $449 $1,498 $805 Rich County 25% $17,970 $15.48 $7.05 2.1 2.2 $19.90 $24,000 34% $829 1.2 2.7 $15.94 $1,035 $2,000 $600 $80,000 119,914 Salt Lake County $41,400 San Juan County $53,000 $398 $1,325 $697 $27,880 782 $15,900 $13.40 $13.01 1.8 1.0 $676 20% $29,760 27% $18,330 $14.31 $9.45 2.0 1.5 $491 Sanpete County 2,142 $61,100 $458 $1,528 $744 $563 Sevier County 1,648 $57,900 $434 $1,448 $720 $28,800 23% $17,370 $13.85 $10.83 1.9 1.3 27% $656 3,910 $107,100 $803 $2,678 $47,080 Summit County $32,130 $22.63 $12.61 3.1 1.8 $1,177 $11.64 $16.33 $21,900 23% $849 $1,825 1.4 $548 $73,000 4,302 Tooele County $605 2.3 $33,960 $953 $38,120 25% $23,280 $18.33 $16.40 2.5 1.1 $853 Uintah County 2,701 $77,600 $582 $1,940 $16.08 49,602 $1,868 $836 $33,440 33% $22,410 $560 $13.08 2.2 1.2 $680 $74,700 Utah County $80,100 Wasatch County $633 1.6 2.8 $12.17 $20.08 $24,030 29% $41,760 $1,044 $2,003 $601 2,559 Washington County $638 1.4 2.3 $12.27 $16.60 $19,380 29% $34,520 $863 $1,615 $485 $64,600 14,741 Wayne County $48,600 $365 $1,215 $697 $27,880 166 $14,580 $13.40 $10.14 1.8 1.3 $527 17% $35,280 $23,430 $16.96 $10.86 2.3 1.6 $565 $882 $1,953 $586 $78,100 22,449 Weber County 28% FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 243 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

250 S TAT E S TAT E * RANKING RANKING # VERMONT 13 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Vermont $22.40 . In order to afford this level of rent and utilities — without paying more $1,165 PER HOUR monthly or $3,882 than 30% of income on housing — a household must earn $46,585 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT VERMONT: STATE FACTS 85 68 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $10.50 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $12.85 2-Bedroom Housing Wage $22.40 1.7 2.1 Number of Full-Time Jobs At Number of Full-Time Jobs At 75,203 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 29% Two bedroom FMR $1,165 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $928 Rent affordable at Burlington-South Burlington MSA $27.73 $1,921 area median income (AMI) Rent affordable with full-time job paying $668 Windsor County $20.65 mean renter wage Rent affordable at 30% of AMI $576 $20.46 Washington County Rent affordable with full-time job $546 paying minimum wage $20.21 Windham County Rent affordable to SSI recipient $241 $19.63 A ddison County $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 244

251 VERMONT RENTERS FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Vermont 75,203 29% $46,585 2.1 1.7 $1,165 $1,921 $23,053 $12.85 $668 $22.40 $576 $76,843 Combined Nonmetro Areas $517 46,914 $1,723 $19.18 $12.01 1.8 1.6 $624 $997 $68,916 $20,675 $39,896 27% Metropolitan Areas $14.10 $1,442 Burlington-South Burlington MSA $93,000 $698 $2,325 $57,680 34% $27,900 $27.73 2.6 2.0 $733 28,289 Counties $569 1.4 1.9 $14.20 Addison County $19.63 $738 27% $40,840 $1,021 $1,895 $75,800 3,858 $22,740 $64,200 Bennington County $482 $1,605 $1,004 4,167 $40,160 27% $19,260 $19.31 $12.49 $650 1.5 1.8 $12.21 $17.37 $18,120 25% $36,120 $903 $1,510 $453 $60,400 3,082 Caledonia County 1.7 $635 1.4 $14,520 Essex County $48,400 $363 $1,210 $31,760 20% 545 $15.27 $11.43 1.5 1.3 $595 $794 $19.48 $10.42 1.9 1.9 $542 $1,013 $512 $68,300 2,910 Lamoille County 28% $20,490 $1,708 $40,520 $603 $516 Orange County 2,497 $68,800 $1,720 $977 $39,080 20% $20,640 $18.79 $11.59 1.8 1.6 $31,640 1.6 2,460 $57,600 $432 $1,440 $791 Orleans County 22% $17,280 $15.21 $9.76 1.4 $507 $37,160 30% $19,920 $17.87 $10.75 1.7 1.7 $559 Rutland County 7,551 $66,400 $498 $1,660 $929 27% Washington County $77,700 $583 $1,943 $1,064 $42,560 6,651 $23,310 $20.46 $12.68 1.9 1.6 $659 $649 1.6 1.9 $12.49 $20.21 $20,370 32% Windham County $1,051 $1,698 $509 $67,900 6,135 $42,040 $636 Windsor County 7,058 $74,500 $559 $1,863 1.7 $42,960 29% $22,350 $20.65 $12.24 2.0 $1,074 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 245 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

252 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, Enosburg 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 Alburg town, Grand Isle town, Isle La Motte town, North Hero town, South Hero town | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 246

253 S TAT E S TAT E * RANKING RANKING # VIRGINIA 12 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Virginia $23.69 . In order to afford this level of rent and utilities — without paying more $1,232 PER HOUR monthly or $4,106 than 30% of income on housing — a household must earn $49,276 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT VIRGINIA: STATE FACTS 131 111 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $17.69 2-Bedroom Housing Wage $23.69 2.8 3.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,057,417 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 34% Two bedroom FMR $1,232 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,048 Rent affordable at Washington-Arlington-Alexandria HMFA $34.48 $2,140 area median income (AMI) Rent affordable with full-time job paying $920 Charlottesville HMFA $22.67 mean renter wage Rent affordable at 30% of AMI $642 $21.92 Rappahannock County HMFA Rent affordable with full-time job $377 paying minimum wage $21.06 Virginia Beach-Norfolk-Newport News HMFA Rent affordable to SSI recipient $225 $20.75 K ing George County $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 247

254 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Virginia 1,057,417 34% $49,276 3.3 1.3 $1,232 $2,140 $25,680 $17.69 $920 $23.69 $642 $85,599 Combined Nonmetro Areas $412 118,758 $1,372 $14.47 $11.03 2.0 1.3 $573 $752 $54,868 $16,460 $30,094 28% Metropolitan Areas $35,440 Blacksburg-Christiansburg-Radford HMFA $69,800 $524 $1,745 $886 1.7 48% $20,940 $17.04 $9.92 2.4 $516 19,724 $14.12 $16,560 $734 1,338 $572 1.3 24% 1.9 $11.00 Buckingham County HMFA $55,200 $414 $1,380 $29,360 1.5 $47,160 37% $26,880 $22.67 $15.50 3.1 29,563 $806 Charlottesville HMFA $89,600 $672 $2,240 $1,179 $621 4,786 1.7 2.7 $11.93 $19.81 $24,660 28% $41,200 $1,030 $2,055 $617 $82,200 Culpeper County HMFA $17,940 $27,360 $13.15 Floyd County HMFA $59,800 $449 22% $1,495 $10.19 1.8 1.3 $530 1,400 $684 $13.98 $1,495 Franklin County HMFA $727 $29,080 21% $17,940 $59,800 $9.12 1.9 1.5 $474 4,767 $449 25% $17,160 $13.31 $17.22 1.8 0.8 $895 1,824 Giles County HMFA $57,200 $429 $1,430 $692 $27,680 $680 18,137 $62,500 $469 $1,563 $840 $33,600 39% $18,750 $16.15 $13.08 2.2 1.2 Harrisonburg MSA $27,360 10,704 1.8 $10.34 $13.15 $16,440 27% 1.3 $684 $1,370 $411 $54,800 Kingsport-Bristol-Bristol MSA $538 29,240 1.2 2.1 $13.00 $15.25 $19,080 29% $31,720 $793 $1,590 $477 $63,600 Lynchburg MSA $676 28% $603 $60,200 $452 $1,505 $684 $27,360 Pulaski County HMFA $18,060 $13.15 $11.60 1.8 1.1 4,098 $45,600 26% $23,580 $21.92 $14.85 3.0 1.5 $772 835 Rappahannock County HMFA $78,600 $590 $1,965 $1,140 $20.04 Richmond MSA $2,080 $1,042 $41,680 35% $24,960 $624 $16.56 2.8 1.2 $861 165,657 $83,200 36,309 $67,200 $504 $1,680 $846 $33,840 34% $20,160 $16.27 $14.47 2.2 1.1 $753 Roanoke HMFA $482 Staunton-Waynesboro MSA $64,300 $1,608 $860 $34,400 29% $19,290 $16.54 $12.92 2.3 1.3 $672 13,986 $21.06 $563 $1,875 $1,095 $43,800 39% $22,500 Virginia Beach-Norfolk-Newport News HMFA $14.57 2.9 1.4 $757 245,633 $75,000 24% Warren County HMFA $530 3,437 $40,960 $23,010 $19.69 $10.20 2.7 1.9 $1,024 $1,918 $575 $76,700 $34.48 $117,200 $879 $2,930 $1,793 $71,720 34% $35,160 Washington-Arlington-Alexandria HMFA * $23.51 4.8 1.5 $1,222 334,899 $21,330 12,322 $533 $1,778 $936 $37,440 30% $71,100 $18.00 $15.54 2.5 1.2 $808 Winchester MSA * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 248 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

255 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 4,214 Accomack County $595 1.4 2.2 $11.43 $15.69 $15,750 30% $32,640 $816 $1,313 $394 $52,500 35% $47,160 $2,240 $672 $89,600 13,847 Albemarle County $1,179 $26,880 $22.67 $16.04 3.1 1.4 $834 $27,360 Alleghany County 1,449 $57,200 $429 $1,430 $684 $472 1.5 1.8 $9.07 $13.15 $17,160 21% 15% 3.5 $83,200 $624 $2,080 $1,042 $41,680 695 $24,960 $20.04 $5.71 2.8 Amelia County $297 23% $19,080 $551 1.4 2.1 $10.60 $15.25 $793 Amherst County 2,872 $63,600 $477 $1,590 $31,720 $19,080 $15.25 $4.84 2.1 3.1 $252 20% $31,720 $793 $1,590 $477 $63,600 1,215 Appomattox County $1,672 56,176 $117,200 $879 $2,930 $1,793 Arlington County * 56% $35,160 $34.48 $32.15 4.8 1.1 $71,720 1.2 2.3 $14.11 $16.54 $19,290 20% $34,400 $860 $1,608 $482 $64,300 5,824 Augusta County $734 $27,360 0.7 674 $60,300 $452 $1,508 $684 Bath County 32% $18,090 $13.15 $18.49 1.8 $962 $31,720 19% $19,080 $15.25 $10.96 2.1 1.4 $570 Bedford County 5,765 $63,600 $477 $1,590 $793 18% $651 $62,500 $469 $1,563 $684 $27,360 454 $18,750 $13.15 $12.51 1.8 1.1 Bland County $662 Botetourt County 1,863 $67,200 $504 $1,680 $846 $33,840 14% $20,160 $16.27 $12.73 2.2 1.3 $506 1.6 2.2 $9.73 $15.98 $15,930 29% $33,240 $831 $1,328 $398 $53,100 1,757 Brunswick County 21% $686 $40,600 $305 $1,015 $684 $27,360 1,961 $12,180 $13.15 $13.20 1.8 1.0 Buchanan County 24% Buckingham County 1,338 $55,200 $414 $1,380 $734 $572 1.3 1.9 $11.00 $14.12 $16,560 $29,360 $793 $31,720 24% $19,080 $15.25 $15.10 2.1 1.0 $785 Campbell County 5,397 $63,600 $477 $1,590 $24,960 Caroline County $624 $2,080 $1,042 $41,680 22% $83,200 $20.04 $13.83 2.8 1.4 $719 2,442 22% 2,793 $47,300 $355 $1,183 $684 $27,360 $491 $14,190 $13.15 $9.44 1.8 1.4 Carroll County 18% Charles City County $83,200 $624 $2,080 $1,042 $41,680 504 $24,960 $20.04 $15.60 2.8 1.3 $811 $625 Charlotte County 1,440 $45,700 $343 $1,143 $684 $27,360 31% $13,710 $13.15 $12.01 1.8 1.1 29,051 $1,042 24% $24,960 $20.04 $13.86 2.8 1.4 $720 Chesterfield County $41,680 $2,080 $624 $83,200 $35,160 1,429 $879 $2,930 $1,793 $71,720 26% $117,200 $34.48 $12.36 4.8 2.8 $643 Clarke County * Craig County 636 $67,200 $504 $1,680 $846 $33,840 27% $20,160 $16.27 $8.91 2.2 1.8 $463 $24,660 Culpeper County $617 $2,055 $1,030 $41,200 28% $82,200 $19.81 $11.93 2.7 1.7 $621 4,786 $567 1,108 $56,000 $420 $1,400 $906 $36,240 27% $16,800 $17.42 $10.91 2.4 1.6 Cumberland County * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 249 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

256 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Dickenson County $350 $1,165 $684 $27,360 25% $13,980 $13.15 $10.76 1.8 1.2 $559 1,514 $46,600 25% $41,680 1.5 2.8 $13.47 $20.04 $24,960 $701 $1,042 $2,080 $624 $83,200 2,544 Dinwiddie County 1,270 Essex County $1,408 $422 $56,300 $934 $37,360 29% $16,890 $17.96 $11.58 2.5 1.6 $602 $35,160 Fairfax County * $879 $2,930 $1,793 $71,720 33% $117,200 $34.48 $27.33 4.8 1.3 $1,421 128,007 $637 5,230 $117,200 $879 $2,930 $1,793 $71,720 22% $35,160 $34.48 $12.24 4.8 2.8 Fauquier County * $17,940 22% $10.19 1.8 1.3 $530 $684 $449 $59,800 1,400 Floyd County $27,360 $13.15 $1,495 $704 2,025 $89,600 $672 $2,240 $1,179 Fluvanna County 21% $26,880 $22.67 $13.53 3.1 1.7 $47,160 1.5 1.9 $9.12 $13.98 $17,940 21% $29,080 $727 $1,495 $449 $59,800 4,767 Franklin County $474 $37,440 1.3 6,548 $71,100 $533 $1,778 $936 Frederick County 22% $21,330 $18.00 $14.38 2.5 $748 $27,680 25% $17,160 $13.31 $17.22 1.8 0.8 $895 Giles County 1,824 $57,200 $429 $1,430 $692 23% $520 $75,000 $563 $1,875 $1,095 $43,800 3,381 $22,500 $21.06 $9.99 2.9 2.1 Gloucester County $1,187 Goochland County 1,144 $83,200 $624 $2,080 $1,042 $41,680 14% $24,960 $20.04 $22.82 2.8 0.9 $684 1.3 1.8 $10.09 $13.15 $12,480 21% $27,360 $1,040 $312 $41,600 1,416 Grayson County $525 22% $503 $89,600 $672 $2,240 $1,179 $47,160 1,561 $26,880 $22.67 $9.66 3.1 2.3 Greene County 24% Greensville County 890 $46,500 $349 $1,163 $777 $582 1.3 2.1 $11.19 $14.94 $13,950 $31,080 $684 $27,360 29% $15,540 $13.15 $10.88 1.8 1.2 $566 Halifax County 4,112 $51,800 $389 $1,295 $83,200 7,094 $2,080 $1,042 $41,680 19% $24,960 $20.04 $10.76 2.8 1.9 $560 Hanover County $624 $17.79 $83,200 $1,042 $41,680 37% $24,960 $20.04 $2,080 2.8 1.1 $925 46,872 $624 Henrico County $48,000 $360 $1,200 $684 $27,360 27% $14,400 Henry County $11.02 1.8 1.2 $573 5,883 $13.15 164 $435 $1,450 $684 $27,360 15% $58,000 $13.15 $6.53 1.8 2.0 $340 Highland County $17,400 $622 $1,095 $22,500 $21.06 $11.96 Isle of Wight County 3,051 22% $43,800 2.9 1.8 $1,875 $563 $75,000 25% James City County $75,000 $563 $1,875 $1,095 $43,800 7,044 $22,500 $21.06 $10.38 2.9 2.0 $540 1.2 $840 2.6 $16.15 $18.62 $16,860 21% King and Queen County $968 $1,405 $422 $56,200 593 $38,720 $942 2,320 $95,200 $714 $2,380 $1,079 King George County 27% $28,560 $20.75 $18.12 2.9 1.1 $43,160 $24,960 16% $41,680 $1,042 $2,080 $624 $83,200 966 King William County 1.5 $12.95 $20.04 2.8 $673 $948 $37,920 25% $20,340 $18.23 $10.92 2.5 1.7 $568 Lancaster County 1,275 $67,800 $509 $1,695 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 250

257 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Lee County $342 $1,140 $684 $27,360 28% $13,680 $13.15 $7.70 1.8 1.7 $400 2,627 $45,600 23% $71,720 2.0 4.8 $17.41 $34.48 $35,160 $905 $1,793 $2,930 $879 $117,200 26,417 Loudoun County * 2,858 Louisa County $1,783 $535 $71,300 $948 $37,920 22% $21,390 $18.23 $16.54 2.5 1.1 $860 $15,090 Lunenburg County $377 $1,258 $731 $29,240 29% $50,300 $14.06 $10.53 1.9 1.3 $548 1,351 $631 1,385 $57,300 $430 $1,433 $943 $37,720 27% $17,190 $18.13 $12.13 2.5 1.5 Madison County $22,500 15% $7.68 2.9 2.7 $399 $1,095 $563 $75,000 591 Mathews County $43,800 $21.06 $1,875 $563 3,406 $51,900 $389 $1,298 $726 Mecklenburg County 28% $15,570 $13.96 $10.83 1.9 1.3 $29,040 1.9 2.8 $10.53 $20.13 $19,860 18% $41,880 $1,047 $1,655 $497 $66,200 796 Middlesex County $548 $35,440 1.8 16,571 $69,800 $524 $1,745 $886 Montgomery County 46% $20,940 $17.04 $9.72 2.4 $505 $47,160 27% $26,880 $22.67 $10.03 3.1 2.3 $522 Nelson County 1,729 $89,600 $672 $2,240 $1,179 16% $571 $83,200 $624 $2,080 $1,042 $41,680 1,202 $24,960 $20.04 $10.98 2.8 1.8 New Kent County $509 Northampton County 1,663 $52,700 $395 $1,318 $850 $34,000 33% $15,810 $16.35 $9.80 2.3 1.7 $756 1.8 2.0 $8.21 $14.54 $19,500 14% $30,240 $1,625 $488 $65,000 786 Northumberland County $427 37% $554 $55,600 $417 $1,390 $761 $30,440 2,098 $16,680 $14.63 $10.65 2.0 1.4 Nottoway County 22% Orange County 2,914 $76,000 $570 $1,900 $844 $488 1.7 2.2 $9.39 $16.23 $22,800 $33,760 $723 $28,920 30% $16,050 $13.90 $10.17 1.9 1.4 $529 Page County 2,811 $53,500 $401 $1,338 $46,500 1,791 $1,163 $684 $27,360 23% $13,950 $13.15 $7.65 1.8 1.7 $398 Patrick County $349 $10.94 $51,300 $684 $27,360 24% $15,390 $13.15 $1,283 1.8 1.2 $569 6,233 $385 Pittsylvania County $83,200 $624 $2,080 $1,042 $41,680 11% $24,960 Powhatan County $12.18 2.8 1.6 $633 1,129 $20.04 2,583 $422 $1,405 $869 $34,760 35% $56,200 $16.71 $10.01 2.3 1.7 $521 Prince Edward County $16,860 $798 $1,042 $24,960 $20.04 $15.35 Prince George County 3,524 31% $41,680 2.8 1.3 $2,080 $624 $83,200 29% Prince William County * $117,200 $879 $2,930 $1,793 $71,720 39,810 $35,160 $34.48 $12.96 4.8 2.7 $674 1.1 $603 1.8 $11.60 $13.15 $18,060 28% Pulaski County $684 $1,505 $452 $60,200 4,098 $27,360 $772 835 $78,600 $590 $1,965 $1,140 Rappahannock County 26% $23,580 $21.92 $14.85 3.0 1.5 $45,600 $17,190 27% $32,640 $816 $1,433 $430 $57,300 825 Richmond County 1.5 $10.75 $15.69 2.2 $559 $846 $33,840 26% $20,160 $16.27 $13.60 2.2 1.2 $707 Roanoke County 9,830 $67,200 $504 $1,680 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 251

258 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Rockbridge County $419 $1,398 $767 $30,680 23% $16,770 $14.75 $9.30 2.0 1.6 $484 2,101 $55,900 26% $33,600 1.1 2.2 $14.22 $16.15 $18,750 $739 $840 $1,563 $469 $62,500 7,735 Rockingham County 2,432 Russell County $1,265 $380 $50,600 $684 $27,360 22% $15,180 $13.15 $10.04 1.8 1.3 $522 $16,440 Scott County $411 $1,370 $684 $27,360 23% $54,800 $13.15 $7.99 1.8 1.6 $415 2,122 $512 5,033 $62,700 $470 $1,568 $835 $33,400 29% $18,810 $16.06 $9.85 2.2 1.6 Shenandoah County $15,060 30% $9.84 1.8 1.3 $511 $684 $377 $50,200 3,869 Smyth County $27,360 $13.15 $1,255 $526 2,117 $59,100 $443 $1,478 $824 Southampton County 31% $17,730 $15.85 $10.12 2.2 1.6 $32,960 2.8 4.8 $12.13 $34.48 $35,160 23% $71,720 $1,793 $2,930 $879 $117,200 9,856 Spotsylvania County * $631 $71,720 2.9 10,981 $117,200 $879 $2,930 $1,793 Stafford County * 25% $35,160 $34.48 $12.00 4.8 $624 $27,760 18% $20,430 $13.35 $18.00 1.8 0.7 $936 Surry County 495 $68,100 $511 $1,703 $694 35% $565 $83,200 $624 $2,080 $1,042 $41,680 1,337 $24,960 $20.04 $10.87 2.8 1.8 Sussex County $518 Tazewell County 4,387 $51,600 $387 $1,290 $684 $27,360 25% $15,480 $13.15 $9.96 1.8 1.3 $1,024 1.9 2.7 $10.20 $19.69 $23,010 24% $40,960 $1,918 $575 $76,700 3,437 Warren County $530 24% $534 $54,800 $411 $1,370 $684 $27,360 5,334 $16,440 $13.15 $10.26 1.8 1.3 Washington County 23% Westmoreland County 1,614 $61,800 $464 $1,545 $794 $479 1.7 2.1 $9.21 $15.27 $18,540 $31,760 $684 $27,360 31% $15,090 $13.15 $7.63 1.8 1.7 $397 Wise County 4,778 $50,300 $377 $1,258 $13.33 Wythe County $1,350 $693 $27,720 28% $16,200 $405 $8.96 1.8 1.5 $466 $54,000 3,396 28% $75,000 $563 $1,875 $1,095 $43,800 York County $22,500 $21.06 $11.98 2.9 1.8 $623 6,665 Alexandria city * 39,353 $117,200 $879 $2,930 $1,793 $71,720 58% $35,160 $34.48 $25.10 4.8 1.4 $1,305 Bedford city † $599 Bristol city 3,248 $54,800 $411 $1,370 $684 $27,360 42% $16,440 $13.15 $11.51 1.8 1.1 Buena Vista city $16,770 $14.75 $12.21 2.0 1.2 $635 $1,398 $30,680 41% $767 $419 $55,900 1,101 $26,880 10,401 $672 $2,240 $1,179 $47,160 58% $89,600 $22.67 $16.20 3.1 1.4 $843 Charlottesville city Chesapeake city 24,722 $75,000 $563 $1,875 $1,095 $43,800 30% $22,500 $21.06 $12.41 2.9 1.7 $646 $24,960 Colonial Heights city $624 $2,080 $1,042 $41,680 40% $83,200 $20.04 $9.79 2.8 2.0 $509 2,856 $1,032 616 $57,200 $429 $1,430 $684 $27,360 25% $17,160 $13.15 $19.85 1.8 0.7 Covington city * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 252 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

259 VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Danville city $385 $1,283 $684 $27,360 46% $15,390 $13.15 $12.15 1.8 1.1 $632 8,588 $51,300 60% $31,080 1.2 2.1 $12.23 $14.94 $13,950 $636 $777 $1,163 $349 $46,500 1,337 Emporia city 2,484 Fairfax city * $2,930 $879 $117,200 $1,793 $71,720 29% $35,160 $34.48 $16.14 4.8 2.1 $839 $35,160 Falls Church city * $879 $2,930 $1,793 $71,720 40% $117,200 $34.48 $17.37 4.8 2.0 $903 2,139 $583 1,721 $59,100 $443 $1,478 $824 $32,960 50% $17,730 $15.85 $11.22 2.2 1.4 Franklin city $35,160 65% $15.83 4.8 2.2 $823 $1,793 $879 $117,200 6,696 Fredericksburg city * $71,720 $34.48 $2,930 $426 1,203 $47,300 $355 $1,183 $684 Galax city 43% $14,190 $13.15 $8.20 1.8 1.6 $27,360 1.6 2.9 $13.51 $21.06 $22,500 44% $43,800 $1,095 $1,875 $563 $75,000 23,506 Hampton city $702 $33,600 1.4 10,402 $62,500 $469 $1,563 $840 Harrisonburg city 63% $18,750 $16.15 $11.78 2.2 $613 $41,680 50% $24,960 $20.04 $21.04 2.8 1.0 $1,094 Hopewell city 4,422 $83,200 $624 $2,080 $1,042 44% $528 $55,900 $419 $1,398 $767 $30,680 814 $16,770 $14.75 $10.16 2.0 1.5 Lexington city $717 Lynchburg city 13,991 $63,600 $477 $1,590 $793 $31,720 49% $19,080 $15.25 $13.78 2.1 1.1 $1,793 1.7 4.8 $20.01 $34.48 $35,160 38% $71,720 $2,930 $879 $117,200 4,703 Manassas city * $1,041 34% $1,049 $117,200 $879 $2,930 $1,793 $71,720 1,618 $35,160 $34.48 $20.16 4.8 1.7 Manassas Park city * 47% Martinsville city 2,726 $48,000 $360 $1,200 $684 $599 1.1 1.8 $11.52 $13.15 $14,400 $27,360 $1,095 $43,800 51% $22,500 $21.06 $18.23 2.9 1.2 $948 Newport News city 35,007 $75,000 $563 $1,875 $75,000 49,971 $1,875 $1,095 $43,800 57% $22,500 $21.06 $17.45 2.9 1.2 $908 Norfolk city $563 $12.87 $50,300 $684 $27,360 55% $15,090 $13.15 $1,258 1.8 1.0 $669 1,016 $377 Norton city $83,200 $624 $2,080 $1,042 $41,680 59% $24,960 Petersburg city $14.91 2.8 1.3 $775 7,746 $20.04 780 $563 $1,875 $1,095 $43,800 17% $75,000 $21.06 $7.19 2.9 2.9 $374 Poquoson city $22,500 $722 $1,095 $22,500 $21.06 $13.89 Portsmouth city 17,020 46% $43,800 2.9 1.5 $1,875 $563 $75,000 56% Radford city $69,800 $524 $1,745 $886 $35,440 3,153 $20,940 $17.04 $11.56 2.4 1.5 $601 1.0 $1,073 2.8 $20.64 $20.04 $24,960 59% Richmond city $1,042 $2,080 $624 $83,200 52,129 $41,680 $792 20,384 $67,200 $504 $1,680 $846 Roanoke city 48% $20,160 $16.27 $15.23 2.2 1.1 $33,840 $20,160 36% $33,840 $846 $1,680 $504 $67,200 3,596 Salem city 1.1 $14.63 $16.27 2.2 $761 $860 $34,400 42% $19,290 $16.54 $10.33 2.3 1.6 $537 Staunton city 4,355 $64,300 $482 $1,608 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 253

260 VIRGINIA AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS HOUSING COSTS Monthly Full-time Monthly Hourly wage Annual income rent Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $21.06 $11.57 2.9 1.8 $602 Suffolk city $75,000 $563 $1,875 $1,095 $43,800 31% 9,749 $22,500 $22,500 61,676 $563 $1,875 $1,095 $43,800 37% $75,000 $21.06 $14.39 2.9 1.5 $748 Virginia Beach city Waynesboro city 3,807 $64,300 $482 $1,608 $860 $34,400 42% $19,290 $16.54 $12.37 2.3 1.3 $643 $22,500 Williamsburg city $563 $1,875 $1,095 $43,800 53% $75,000 $21.06 $11.50 2.9 1.8 $598 2,470 $876 5,774 $71,100 $533 $1,778 $936 $37,440 54% $21,330 $18.00 $16.85 2.5 1.1 Winchester city * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 254 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

261 S TAT E S TAT E * RANKING RANKING # 8 WASHINGTON In Washington , the Fair Market Rent (FMR) for a two-bedroom apartment $26.87 $1,397 is . In order to afford this level of rent and utilities — without paying PER HOUR $4,657 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $55,886 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT WASHINGTON: STATE FACTS 75 93 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $11.50 (at FMR) Rental Home (at FMR) Rental Home $18.91 Average Renter Wage 2-Bedroom Housing Wage $26.87 1.9 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 1,013,225 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 38% Two bedroom FMR $1,397 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $1,121 Rent affordable at Seattle-Bellevue HMFA $36.12 $2,107 area median income (AMI) Rent affordable with full-time job paying $983 $25.58 Portland-Vancouver-Hillsboro MSA mean renter wage Rent affordable at 30% of AMI $632 Tacoma HMFA $22.02 Rent affordable with full-time job $598 paying minimum wage $21.87 Bremerton-Silverdale MSA Rent affordable to SSI recipient $239 lympia-Tumwater MSA O $21.54 $500 $1,000 $1,500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 255

262 WASHINGTON FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households Annual 2 BR 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) FMR AMI of AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Washington $632 $983 1.4 $84,281 38% $55,886 $1,397 2.3 1,013,225 $2,107 $18.91 $25,284 $26.87 Combined Nonmetro Areas $33,233 93,189 $1,591 $11.03 1.4 $15.98 1.4 $574 $831 $63,641 $19,092 $477 33% Metropolitan Areas Bellingham MSA 38% $632 $77,500 $581 $1,938 $1,028 $41,120 1.6 $23,250 $19.77 $12.15 1.7 30,604 Bremerton-Silverdale MSA 1.9 $12.35 $21.87 $24,780 32,069 $642 1.8 33% $620 $82,600 $2,065 $1,137 $45,480 Columbia County HMFA $743 $14.30 28% 476 1.4 1.1 $16.02 $52,900 $397 $1,323 $833 $33,320 $15,870 Kennewick-Richland MSA $546 $72,800 1.2 $13.79 $21,840 29,678 32% $717 1.5 $34,960 $874 $1,820 $16.81 Lewiston MSA 3,075 $651 1.2 1.3 $12.53 $14.94 $20,760 33% $31,080 $777 $1,730 $519 $69,200 Longview MSA $1,590 $855 $34,200 34% $19,080 $16.44 $13.11 1.4 1.3 $682 13,564 $63,600 $477 Mount Vernon-Anacortes MSA $20,730 $1,728 $970 $38,800 $69,100 32% $518 $18.65 $13.34 1.6 1.4 $694 14,974 37,450 $724 1.5 $13.92 $21.54 $23,310 36% 1.9 $1,120 $1,943 $583 $77,700 Olympia-Tumwater MSA $44,800 Pend Oreille County HMFA $15,810 $395 $745 $29,800 23% $612 $52,700 $1,318 $14.33 $11.77 1.2 1.2 1,249 Portland-Vancouver-Hillsboro MSA $53,200 $1,330 $2,035 $81,400 59,437 1.7 2.2 $15.44 $25.58 $803 $24,420 35% $611 41% $31,020 $36.12 $24.00 3.1 1.5 $1,248 449,833 $103,400 $776 $2,585 $1,878 $75,120 Seattle-Bellevue HMFA Spokane HMFA * 38% $674 $65,200 $489 $1,630 $867 $34,680 $19,560 $16.67 $12.95 1.4 1.3 71,872 Stevens County HMFA $544 $10.45 1.2 $14.37 $747 24% $16,380 $29,880 $54,600 $410 $1,365 1.4 4,206 Tacoma HMFA $1,145 $74,600 $560 $1,865 $45,800 39% 120,436 $785 1.5 1.9 $15.10 $22.02 $22,380 Walla Walla County HMFA $17.02 $1,643 $885 $35,400 35% 7,690 $493 $629 $65,700 $12.10 1.5 1.4 $19,710 Wenatchee MSA $924 $1,678 $503 $67,100 32% $17.77 $12.17 1.5 1.5 $633 13,473 $36,960 $20,130 Yakima MSA 29,950 1.5 $11.84 $16.77 $16,410 37% 1.4 $872 $1,368 $410 $54,700 $615 $34,880 Counties $538 1.3 1.2 $10.35 $13.40 $15,720 32% $27,880 $697 $1,310 $393 $52,400 1,851 Adams County * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 256 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

263 WASHINGTON FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage $15,720 3,075 Asotin County $651 1.2 1.3 $12.53 $14.94 $20,760 33% $31,080 $777 $1,730 $519 $69,200 32% $34,960 $1,820 $546 $72,800 21,593 Benton County $874 $21,840 $16.81 $15.03 1.5 1.1 $782 $36,960 Chelan County 9,322 $67,100 $503 $1,678 $924 $652 1.4 1.5 $12.53 $17.77 $20,130 34% 30% 1.6 $61,600 $462 $1,540 $888 $35,520 9,490 $18,480 $17.08 $10.54 1.5 Clallam County $548 35% $24,420 $807 1.6 2.2 $15.53 $25.58 $1,330 Clark County 58,034 $81,400 $611 $2,035 $53,200 $15,870 $16.02 $14.30 1.4 1.1 $743 28% $33,320 $833 $1,323 $397 $52,900 476 Columbia County $682 13,564 $63,600 $477 $1,590 $855 Cowlitz County 34% $19,080 $16.44 $13.11 1.4 1.3 $34,200 1.6 1.5 $10.83 $17.77 $20,130 29% $36,960 $924 $1,678 $503 $67,100 4,151 Douglas County $563 $29,160 1.6 891 $47,100 $353 $1,178 $729 Ferry County 29% $14,130 $14.02 $8.65 1.2 $450 $34,960 32% $21,840 $16.81 $10.56 1.5 1.6 $549 Franklin County 8,085 $72,800 $546 $1,820 $874 $27,880 Garfield County † $56,600 $425 $1,415 $697 278 29% $16,980 $13.40 1.2 11,536 Grant County $666 $59,900 $449 $1,498 $724 $28,960 39% $17,970 $13.92 $12.80 1.2 1.1 $19,050 Grays Harbor County 9,042 $618 1.2 1.3 $11.88 $14.38 $63,500 33% $29,920 $748 $1,588 $476 33% $571 $75,900 $569 $1,898 $984 $39,360 10,972 $22,770 $18.92 $10.97 1.6 1.7 Island County $8.96 Jefferson County 3,535 $65,500 $491 $1,638 $940 $37,600 26% $19,650 $466 2.0 1.6 $18.08 $1,878 $75,120 43% $31,020 $36.12 $25.25 3.1 1.4 $1,313 King County 355,444 $103,400 $776 $2,585 $82,600 32,069 $2,065 $1,137 $45,480 33% $24,780 $21.87 $12.35 1.9 1.8 $642 Kitsap County $620 $7.93 $69,000 $853 $34,120 45% $20,700 $16.40 $1,725 1.4 2.1 $412 7,643 $518 Kittitas County $59,200 $444 $1,480 $820 $32,800 33% $17,760 Klickitat County $14.85 1.4 1.1 $772 2,630 $15.77 9,368 $485 $1,618 $827 $33,080 32% $64,700 $15.90 $13.37 1.4 1.2 $695 Lewis County $19,410 $585 $697 $18,600 $13.40 $11.26 Lincoln County 947 22% $27,880 1.2 1.2 $1,550 $465 $62,000 23% Mason County $63,100 $473 $1,578 $935 $37,400 5,150 $18,930 $17.98 $9.87 1.6 1.8 $513 1.8 $399 1.2 $7.67 $13.79 $15,360 33% Okanogan County $717 $1,280 $384 $51,200 5,541 $28,680 $489 2,361 $53,100 $398 $1,328 $836 Pacific County 26% $15,930 $16.08 $9.41 1.4 1.7 $33,440 $15,810 23% $29,800 $745 $1,318 $395 $52,700 1,249 Pend Oreille County 1.2 $11.77 $14.33 1.2 $612 $1,145 $45,800 39% $22,380 $22.02 $15.10 1.9 1.5 $785 Pierce County 120,436 $74,600 $560 $1,865 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 257

264 WASHINGTON HOUSING COSTS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 30% Annual 2 BR afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI FMR AMI FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage San Juan County $528 $1,760 $1,105 $44,200 27% $21,120 $21.25 $9.65 1.8 2.2 $502 2,085 $70,400 $20,730 Skagit County $518 $1,728 $970 $38,800 32% $69,100 $18.65 $13.34 1.6 1.4 $694 14,974 31% 1,403 $81,400 $611 $2,035 $1,330 $53,200 $438 $24,420 $25.58 $8.42 2.2 3.0 Skamania County $75,120 $943 3.1 $18.14 $36.12 $31,020 34% 2.0 $1,878 $2,585 $776 $103,400 94,389 Snohomish County 1.3 1.4 $12.95 $16.67 $19,560 38% $34,680 $1,630 $489 $65,200 71,872 Spokane County * $867 $674 1.2 1.4 $544 $29,880 $16,380 $14.37 $747 24% $1,365 $410 $54,600 4,206 Stevens County $10.45 $724 $583 Thurston County 37,450 $77,700 $1,943 $1,120 $44,800 36% $23,310 $21.54 $13.92 1.9 1.5 $27,880 2.2 346 $54,900 $412 $1,373 $697 Wahkiakum County 19% $16,470 $13.40 $6.17 1.2 $321 $885 $35,400 35% $19,710 $17.02 $12.10 1.5 1.4 $629 Walla Walla County 7,690 $65,700 $493 $1,643 $23,250 30,604 $581 $1,938 $1,028 $41,120 38% $77,500 $19.77 $12.15 1.7 1.6 $632 Whatcom County Whitman County $557 1.4 1.3 $10.70 $14.62 $20,250 9,523 $30,400 $760 $1,688 $506 $67,500 55% $615 29,950 $54,700 $410 $1,368 $872 Yakima County 37% $16,410 $16.77 $11.84 1.5 1.4 $34,880 * 50th percentile FMR (See Appendix B). † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 258 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

265 S TAT E S TAT E * RANKING RANKING # 50 WEST VIRGINIA In West Virginia , the Fair Market Rent (FMR) for a two-bedroom apartment $14.10 $733 is . In order to afford this level of rent and utilities — without paying PER HOUR $2,445 monthly more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this or $29,336 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT WEST VIRGINIA: STATE FACTS 53 64 Work Hours Per Week At Work Hours Per Week At Minimum Wage Minimum Wage 1-Bedroom To Afford a 2-Bedroom To Afford a Minimum Wage $8.75 (at FMR) Rental Home (at FMR) Rental Home $11.36 Average Renter Wage 2-Bedroom Housing Wage $14.10 1.3 1.6 Number of Full-Time Jobs At Number of Full-Time Jobs At 203,457 Number of Renter Households Minimum Wage To Afford a To Afford a Minimum Wage 1-Bedroom Rental Home (at FMR) 2-Bedroom Rental Home (at FMR) Percent Renters 28% Two bedroom FMR $733 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $607 Rent affordable at Winchester MSA $18.00 $1,442 area median income (AMI) Rent affordable with full-time job paying $591 Martinsburg HMFA $17.35 mean renter wage Rent affordable at 30% of AMI $433 $16.96 Jefferson County HMFA Rent affordable with full-time job $455 paying minimum wage $15.83 Morgantown MSA Rent affordable to SSI recipient $225 $15.42 P utnam County HMFA $500 $2,000 $1,000 $1,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 259

266 WEST VIRGINIA RENTERS FY18 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage West Virginia $57,684 $14.10 1.6 $29,336 $733 $1,442 $17,305 $433 $591 203,457 1.2 $11.36 28% Combined Nonmetro Areas $10.95 1.5 1.2 $569 $26,826 $671 $52,129 $15,639 $391 67,854 $12.90 $1,303 24% Metropolitan Areas 1.2 1.4 $10.76 $12.38 $16,050 $559 $25,760 $644 $1,338 $401 $53,500 2,273 24% Boone County HMFA 30% 25,855 $701 1.1 $437 $1,455 $789 $31,560 $58,200 $17,460 $15.17 $13.48 1.7 Charleston HMFA $10.59 1.5 $551 4,388 $55,500 $416 $1,388 $697 $27,880 39% $16,650 $13.40 1.3 Cumberland MSA 3,973 $12.38 $9.31 1.4 1.3 $484 22% $46,100 $346 $1,153 $25,760 $13,830 $644 Fayette County HMFA $412 $1,373 $696 1.3 $553 $27,840 35% $16,470 19,504 $13.38 $54,900 1.5 $10.64 Huntington-Ashland HMFA $84,100 $9.29 5,310 $483 1.8 1.9 $631 $16.96 $25,230 26% $35,280 $882 $2,103 Jefferson County HMFA $13,920 $12.38 $9.21 1.4 1.3 $479 1,942 $46,400 $348 $1,160 $644 $25,760 24% Lincoln County HMFA $17.35 11,074 $67,000 $601 2.0 $11.56 $503 $20,100 27% $36,080 $902 $1,675 1.5 Martinsburg HMFA 1.8 1.4 $597 18,395 $72,800 $546 $1,820 $823 $32,920 37% $21,840 $15.83 $11.48 Morgantown MSA 28% $16,050 $13.44 $10.25 1.5 1.3 $27,960 10,953 $1,338 $401 $53,500 $699 $533 Parkersburg-Vienna MSA $720 $71,000 $533 $1,775 $802 $32,080 18% $21,300 $15.42 $13.85 1.8 1.1 3,929 Putnam County HMFA $14,850 $736 $1,238 $371 $49,500 $14.15 8,455 $9.97 1.4 $519 27% 1.6 $29,440 Raleigh County HMFA 1.2 $695 $61,500 $461 6,308 $582 $1,538 1.5 $11.20 $13.37 $18,450 28% $27,800 Weirton-Steubenville MSA $65,700 29% $11.32 1.2 1.5 $13.37 $27,800 $695 $589 $1,643 9,205 $19,710 $493 Wheeling MSA 40% $21,330 $18.00 $10.22 2.1 1.8 $532 4,039 $71,100 $533 $1,778 $936 $37,440 Winchester MSA Counties Barbour County $47,400 $356 $1,185 $644 $25,760 29% $14,220 $12.38 $8.30 1.4 1.5 $431 1,774 Berkeley County $20,100 1.5 2.0 $11.56 $17.35 $601 27% $36,080 $902 $1,675 $503 $67,000 11,074 $16,050 2,273 $401 $1,338 $644 $25,760 24% $53,500 $12.38 $10.76 1.4 1.2 $559 Boone County † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 260 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

267 WEST VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Braxton County $376 $1,253 $644 $25,760 24% $15,030 $12.38 $9.87 1.4 1.3 $513 1,323 $50,100 27% $27,800 1.3 1.5 $10.31 $13.37 $18,450 $536 $695 $1,538 $461 $61,500 2,685 Brooke County 15,633 Cabell County $1,373 $412 $54,900 $696 $27,840 39% $16,470 $13.38 $10.82 1.5 1.2 $563 $14,400 Calhoun County $360 $1,200 $644 $25,760 18% $48,000 $12.38 $9.16 1.4 1.4 $476 513 $361 640 $58,200 $437 $1,455 $789 $31,560 19% $17,460 $15.17 $6.95 1.7 2.2 Clay County $16,200 14% $17.28 1.4 0.7 $899 $650 $405 $54,000 372 Doddridge County $26,000 $12.50 $1,350 $484 3,973 $46,100 $346 $1,153 $644 Fayette County 22% $13,830 $12.38 $9.31 1.4 1.3 $25,760 1.6 1.4 $7.95 $12.38 $16,020 25% $25,760 $644 $1,335 $401 $53,400 671 Gilmer County $413 $27,200 0.9 872 $50,700 $380 $1,268 $680 Grant County 21% $15,210 $13.08 $14.09 1.5 $732 $26,600 26% $15,270 $12.79 $9.89 1.5 1.3 $514 Greenbrier County 3,914 $50,900 $382 $1,273 $665 40% $532 $71,100 $533 $1,778 $936 $37,440 4,039 $21,330 $18.00 $10.22 2.1 1.8 Hampshire County $621 Hancock County 3,623 $61,500 $461 $1,538 $695 $27,800 28% $18,450 $13.37 $11.94 1.5 1.1 $645 1.1 1.4 $11.57 $12.40 $14,670 26% $25,800 $1,223 $367 $48,900 1,416 Hardy County $602 27% $600 $66,000 $495 $1,650 $724 $28,960 7,448 $19,800 $13.92 $11.54 1.6 1.2 Harrison County 21% Jackson County 2,330 $59,400 $446 $1,485 $646 $638 1.0 1.4 $12.28 $12.42 $17,820 $25,840 $882 $35,280 26% $25,230 $16.96 $9.29 1.9 1.8 $483 Jefferson County 5,310 $84,100 $631 $2,103 $58,200 25,215 $1,455 $789 $31,560 31% $17,460 $15.17 $13.56 1.7 1.1 $705 Kanawha County $437 $15.37 $48,200 $667 $26,680 29% $14,460 $12.83 $1,205 1.5 0.8 $799 1,894 $362 Lewis County $46,400 $348 $1,160 $644 $25,760 24% $13,920 Lincoln County $9.21 1.4 1.3 $479 1,942 $12.38 3,404 $371 $1,238 $644 $25,760 24% $49,500 $12.38 $10.97 1.4 1.1 $570 Logan County $14,850 $529 $644 $10,110 $12.38 $10.18 McDowell County 1,732 22% $25,760 1.4 1.2 $843 $253 $33,700 24% Marion County $57,400 $431 $1,435 $765 $30,600 5,279 $17,220 $14.71 $11.24 1.7 1.3 $585 0.9 $767 1.5 $14.76 $13.37 $19,710 24% Marshall County $695 $1,643 $493 $65,700 3,139 $27,800 $669 2,307 $47,900 $359 $1,198 $644 Mason County 21% $14,370 $12.38 $12.87 1.4 1.0 $25,760 $14,640 27% $25,760 $644 $1,220 $366 $48,800 6,867 Mercer County 1.3 $9.65 $12.38 1.4 $502 $697 $27,880 39% $16,650 $13.40 $10.59 1.5 1.3 $551 Mineral County 4,388 $55,500 $416 $1,388 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 261

268 WEST VIRGINIA FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Mingo County $351 $1,170 $685 $27,400 25% $14,040 $13.17 $13.34 1.5 1.0 $693 2,719 $46,800 42% $32,920 1.4 1.8 $11.70 $15.83 $21,840 $608 $823 $1,820 $546 $72,800 16,027 Monongalia County 1,262 Monroe County $1,150 $345 $46,000 $644 $25,760 21% $13,800 $12.38 $12.09 1.4 1.0 $628 $17,010 Morgan County $425 $1,418 $756 $30,240 25% $56,700 $14.54 $11.50 1.7 1.3 $598 1,778 $407 2,197 $51,500 $386 $1,288 $644 $25,760 20% $15,450 $12.38 $7.83 1.4 1.6 Nicholas County $19,710 33% $10.19 1.5 1.3 $530 $695 $493 $65,700 6,066 Ohio County $27,800 $13.37 $1,643 $685 682 $48,600 $365 $1,215 $644 Pendleton County 22% $14,580 $12.38 $13.18 1.4 0.9 $25,760 0.7 1.5 $18.09 $13.40 $16,710 17% $27,880 $697 $1,393 $418 $55,700 476 Pleasants County $941 $26,080 1.4 719 $53,900 $404 $1,348 $652 Pocahontas County 20% $16,170 $12.54 $8.81 1.4 $458 $32,920 19% $21,840 $15.83 $9.50 1.8 1.7 $494 Preston County 2,368 $72,800 $546 $1,820 $823 18% $720 $71,000 $533 $1,775 $802 $32,080 3,929 $21,300 $15.42 $13.85 1.8 1.1 Putnam County $519 Raleigh County 8,455 $49,500 $371 $1,238 $736 $29,440 27% $14,850 $14.15 $9.97 1.6 1.4 $648 1.3 1.4 $9.42 $12.46 $15,660 29% $25,920 $1,305 $392 $52,200 3,315 Randolph County $490 23% $534 $52,600 $395 $1,315 $644 $25,760 902 $15,780 $12.38 $10.28 1.4 1.2 Ritchie County 22% Roane County 1,226 $45,100 $338 $1,128 $644 $473 1.4 1.4 $9.09 $12.38 $13,530 $25,760 $644 $25,760 23% $14,790 $12.38 $9.70 1.4 1.3 $505 Summers County 1,277 $49,300 $370 $1,233 Taylor County 1,414 $403 $1,343 $644 $25,760 21% $16,110 $12.38 $13.94 1.4 0.9 $725 $53,700 $16,290 Tucker County $407 $1,358 $644 $25,760 20% $54,300 $12.38 $7.60 1.4 1.6 $395 574 Tyler County 826 $54,600 $410 $1,365 $644 $25,760 23% $16,380 $12.38 $11.51 1.4 1.1 $599 24% Upshur County $52,700 $395 $1,318 $661 $26,440 2,204 $15,810 $12.71 $11.19 1.5 1.1 $582 $471 $696 $16,470 $13.38 $9.07 1.5 1.5 Wayne County 3,871 $54,900 $412 $1,373 $27,840 24% $11,940 1,088 $299 $995 $658 $26,320 28% $39,800 $12.65 $7.19 1.4 1.8 $374 Webster County Wetzel County 1,288 $51,400 $386 $1,285 $644 $25,760 21% $15,420 $12.38 $7.04 1.4 $366 1.8 Wirt County † $1,338 $53,500 $401 $699 $27,960 16% $16,050 $13.44 1.5 390 $16,050 10,563 $401 $1,338 $699 $27,960 29% Wood County $13.44 $10.25 1.5 1.3 $533 $53,500 1.0 $634 19% $12.38 $25,760 $644 $1,245 $12.20 $374 $49,800 1,791 Wyoming County 1.4 $14,940 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 262 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

269 S TAT E S TAT E * RANKING RANKING 30 # WISCONSIN In Wisconsin , the Fair Market Rent (FMR) for a two-bedroom apartment is $16.52 . In order to afford this level of rent and utilities — without paying more $859 PER HOUR than 30% of income on housing — a household must earn $2,864 monthly or annually. Assuming a 40-hour work week, 52 weeks per year, this $34,371 STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT WISCONSIN: STATE FACTS 91 73 Work Hours Per Week At Work Hours Per Week At 1-Bedroom To Afford a 2-Bedroom Minimum Wage Minimum Wage To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home $13.35 Average Renter Wage 2-Bedroom Housing Wage $16.52 2.3 1.8 Number of Full-Time Jobs At Number of Full-Time Jobs At 762,613 Number of Renter Households To Afford a Minimum Wage To Afford a Minimum Wage (at FMR) (at FMR) 2-Bedroom Rental Home 1-Bedroom Rental Home Percent Renters 33% Two bedroom FMR $859 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $684 Rent affordable at Madison HMFA $20.98 $1,868 area median income (AMI) Rent affordable with full-time job paying $694 Minneapolis-St. Paul-Bloomington HMFA $20.94 mean renter wage Rent affordable at 30% of AMI $560 Milwaukee-Waukesha-West Allis MSA $17.52 Rent affordable with full-time job $377 paying minimum wage $17.29 Kenosha County HMFA Rent affordable to SSI recipient $250 C olumbia County HMFA $16.58 $0 $1,500 $1,000 $2,000 $500 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 2018 NATIONAL LOW INCOME HOUSING COALITION 263

270 WISCONSIN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households Annual 30% 2 BR afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Wisconsin 762,613 33% $34,371 2.3 1.2 $859 $1,868 $22,416 $13.35 $694 $16.52 $560 $74,719 Combined Nonmetro Areas $491 160,323 $1,636 $14.00 $11.08 1.9 1.3 $576 $728 $65,443 $19,633 $29,115 26% Metropolitan Areas $32,880 Appleton MSA $77,900 $584 $1,948 $822 1.2 27% $23,370 $15.81 $13.05 2.2 $678 24,272 $16.58 $22,770 $862 5,840 $534 1.6 25% 2.3 $10.27 Columbia County HMFA $75,900 $569 $1,898 $34,480 1.4 $33,920 32% $21,420 $16.31 $11.86 2.2 6,011 $617 Duluth MSA $71,400 $536 $1,785 $848 $605 22,052 1.3 2.1 $11.64 $14.87 $21,600 34% $30,920 $773 $1,800 $540 $72,000 Eau Claire MSA $22,680 $30,200 $14.52 Fond du Lac MSA $75,600 $567 28% $1,890 $11.92 2.0 1.2 $620 11,613 $755 $15.12 $1,938 Green Bay HMFA $786 $31,440 34% $23,250 $77,500 $13.57 2.1 1.1 $706 37,121 $581 26% $21,780 $14.96 $10.20 2.1 1.5 $531 3,806 Green County HMFA $72,600 $545 $1,815 $778 $31,120 $610 2,367 $73,600 $552 $1,840 $791 $31,640 24% $22,080 $15.21 $11.73 2.1 1.3 Iowa County HMFA $31,760 19,913 2.1 $12.50 $15.27 $20,070 31% 1.2 $794 $1,673 $502 $66,900 Janesville-Beloit MSA $650 21,678 1.6 2.4 $10.97 $17.29 $22,290 34% $35,960 $899 $1,858 $557 $74,300 Kenosha County HMFA $570 36% $643 $72,400 $543 $1,810 $793 $31,720 La Crosse-Onalaska MSA $21,720 $15.25 $12.37 2.1 1.2 16,609 $43,640 42% $27,510 $20.98 $14.87 2.9 1.4 $773 89,014 Madison HMFA $91,700 $688 $2,293 $1,091 $17.52 Milwaukee-Waukesha-West Allis MSA $1,933 $911 $36,440 40% $23,190 $580 $15.28 2.4 1.1 $795 250,860 $77,300 12,038 $94,300 $707 $2,358 $1,089 $43,560 25% $28,290 $20.94 $10.00 2.9 2.1 $520 Minneapolis-St. Paul-Bloomington HMFA $66,800 Oconto County HMFA $501 $1,670 $689 $27,560 17% $20,040 $13.25 $8.63 1.8 1.5 $449 2,601 $14.71 $71,100 $1,778 $765 $30,600 35% $21,330 $533 $14.78 2.0 1.0 $769 24,401 Oshkosh-Neenah MSA 31% 1.3 $645 23,226 $33,120 $23,490 $15.92 $12.41 2.2 $828 $1,958 $587 $78,300 Racine MSA 14,104 $22,410 $74,700 $560 $1,868 $733 $29,320 30% $14.10 $13.53 1.9 1.0 $704 Sheboygan MSA Wausau MSA $72,700 $545 $1,818 $774 $30,960 $645 27% $21,810 $14.88 $12.40 2.1 1.2 14,764 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 264 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

271 WISCONSIN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Counties 1,144 Adams County $494 1.4 1.8 $9.50 $13.25 $16,410 14% $27,560 $689 $1,368 $410 $54,700 31% $27,560 $1,338 $401 $53,500 2,063 Ashland County $689 $16,050 $13.25 $10.67 1.8 1.2 $555 $27,560 Barron County 5,111 $58,600 $440 $1,465 $689 $584 1.2 1.8 $11.24 $13.25 $17,580 27% 17% 2.0 $61,400 $461 $1,535 $700 $28,000 1,167 $18,420 $13.46 $6.61 1.9 Bayfield County $344 35% $23,250 $713 1.1 2.1 $13.70 $15.12 $786 Brown County 35,464 $77,500 $581 $1,938 $31,440 $19,470 $13.65 $10.47 1.9 1.3 $544 25% $28,400 $710 $1,623 $487 $64,900 1,419 Buffalo County $486 1,402 $53,500 $401 $1,338 $689 Burnett County 19% $16,050 $13.25 $9.35 1.8 1.4 $27,560 1.8 2.2 $8.68 $15.81 $23,370 19% $32,880 $822 $1,948 $584 $77,900 3,558 Calumet County $451 $30,920 1.3 6,873 $72,000 $540 $1,800 $773 Chippewa County 28% $21,600 $14.87 $11.03 2.1 $574 $27,560 22% $17,130 $13.25 $12.12 1.8 1.1 $630 Clark County 2,832 $57,100 $428 $1,428 $689 25% $534 $75,900 $569 $1,898 $862 $34,480 5,840 $22,770 $16.58 $10.27 2.3 1.6 Columbia County $431 Crawford County 1,587 $60,200 $452 $1,505 $689 $27,560 24% $18,060 $13.25 $8.29 1.8 1.6 $773 1.4 2.9 $14.87 $20.98 $27,510 42% $43,640 $1,091 $2,293 $688 $91,700 89,014 Dane County 29% $690 $74,700 $560 $1,868 $758 $30,320 9,636 $22,410 $14.58 $13.27 2.0 1.1 Dodge County 21% Door County 2,750 $68,300 $512 $1,708 $718 $492 1.5 1.9 $9.46 $13.81 $20,490 $28,720 $848 $33,920 32% $21,420 $16.31 $11.86 2.2 1.4 $617 Douglas County 6,011 $71,400 $536 $1,785 $20,070 Dunn County $502 $1,673 $697 $27,880 31% $66,900 $13.40 $11.27 1.8 1.2 $586 5,113 38% 15,179 $72,000 $540 $1,800 $773 $30,920 $618 $21,600 $14.87 $11.89 2.1 1.3 Eau Claire County 13% Florence County $58,700 $440 $1,468 $709 $28,360 259 $17,610 $13.63 $6.86 1.9 2.0 $357 $620 Fond du Lac County 11,613 $75,600 $567 $1,890 $755 $30,200 28% $22,680 $14.52 $11.92 2.0 1.2 Forest County $689 24% $16,500 $13.25 $8.12 1.8 1.6 $422 $27,560 $1,375 $413 $55,000 951 29% Grant County $64,700 $485 $1,618 $689 $27,560 5,699 $19,410 $13.25 $9.68 1.8 1.4 $503 26% Green County 3,806 $72,600 $545 $1,815 $778 $31,120 $21,780 $14.96 $10.20 2.1 1.5 $531 Green Lake County 2,138 $63,300 $475 $1,583 $689 $585 $27,560 27% $18,990 $13.25 $11.26 1.8 1.2 1.3 Iowa County 2,367 $73,600 $552 $1,840 $610 $31,640 24% $22,080 $15.21 $11.73 2.1 $791 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 265 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

272 WISCONSIN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Iron County $428 $1,428 $689 $27,560 22% $17,130 $13.25 $5.71 1.8 2.3 $297 663 $57,100 26% $27,560 1.0 1.8 $13.26 $13.25 $18,210 $690 $689 $1,518 $455 $60,700 2,132 Jackson County 9,654 Jefferson County $1,908 $572 $76,300 $822 $32,880 30% $22,890 $15.81 $11.69 2.2 1.4 $608 $17,190 Juneau County $430 $1,433 $705 $28,200 24% $57,300 $13.56 $11.98 1.9 1.1 $623 2,424 $570 21,678 $74,300 $557 $1,858 $899 $35,960 34% $22,290 $17.29 $10.97 2.4 1.6 Kenosha County $23,250 20% $10.54 2.1 1.4 $548 $786 $581 $77,500 1,657 Kewaunee County $31,440 $15.12 $1,938 $643 16,609 $72,400 $543 $1,810 $793 La Crosse County 36% $21,720 $15.25 $12.37 2.1 1.2 $31,720 1.3 1.8 $9.97 $13.25 $19,860 24% $27,560 $689 $1,655 $497 $66,200 1,610 Lafayette County $519 $27,560 1.5 2,029 $56,000 $420 $1,400 $689 Langlade County 24% $16,800 $13.25 $8.62 1.8 $448 $27,560 24% $19,590 $13.25 $12.25 1.8 1.1 $637 Lincoln County 3,016 $65,300 $490 $1,633 $689 25% $640 $67,800 $509 $1,695 $689 $27,560 8,341 $20,340 $13.25 $12.31 1.8 1.1 Manitowoc County $645 Marathon County 14,764 $72,700 $545 $1,818 $774 $30,960 27% $21,810 $14.88 $12.40 2.1 1.2 $689 1.1 1.8 $11.73 $13.25 $17,130 25% $27,560 $1,428 $428 $57,100 4,586 Marinette County $610 20% $585 $58,900 $442 $1,473 $730 $29,200 1,253 $17,670 $14.04 $11.25 1.9 1.2 Marquette County 32% Menominee County 385 $38,500 $289 $963 $689 $192 3.6 1.8 $3.70 $13.25 $11,550 $27,560 $911 $36,440 51% $23,190 $17.52 $16.44 2.4 1.1 $855 Milwaukee County 193,617 $77,300 $580 $1,933 5,636 Monroe County $492 $1,640 $799 $31,960 32% $19,680 $15.37 $12.06 2.1 1.3 $627 $65,600 $13.25 2,601 $1,670 $689 $27,560 17% $20,040 $501 $8.63 1.8 1.5 $449 Oconto County $66,800 2,488 $64,400 $483 $1,610 $713 $28,520 17% Oneida County $13.71 $10.50 1.9 1.3 $546 $19,320 Outagamie County $77,900 $584 $1,948 $822 $32,880 20,714 $23,370 $15.81 $13.62 2.2 1.2 $708 29% $599 $911 $23,190 $17.52 $11.51 2.4 Ozaukee County 24% $36,440 1.5 $1,933 $580 $77,300 8,472 18% Pepin County $64,700 $485 $1,618 $689 $27,560 534 $19,410 $13.25 $9.20 1.8 1.4 $479 2.5 $429 2.9 $8.24 $20.94 $28,290 27% Pierce County $1,089 $2,358 $707 $94,300 4,057 $43,560 $563 4,047 $64,700 $485 $1,618 $771 Polk County 22% $19,410 $14.83 $10.83 2.0 1.4 $30,840 $22,980 31% $28,000 $700 $1,915 $575 $76,600 8,649 Portage County 1.3 $10.28 $13.46 1.9 $535 $689 $27,560 23% $17,130 $13.25 $12.43 1.8 1.1 $646 Price County 1,506 $57,100 $428 $1,428 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 266 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

273 WISCONSIN FY18 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to needed affordable hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) FMR of AMI AMI FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Racine County $587 $1,958 $828 $33,120 31% $23,490 $15.92 $12.41 2.2 1.3 $645 23,226 $78,300 $27,560 $553 1.8 $10.64 $13.25 $17,700 26% 1.2 $689 Richland County 1,944 $59,000 $443 $1,475 $31,760 $650 1.2 2.1 $12.50 $15.27 $20,070 $794 $1,673 $502 $66,900 19,913 Rock County 31% $570 1,449 $49,800 $374 $1,245 $689 Rusk County 23% $14,940 $13.25 $10.97 1.8 1.2 $27,560 St. Croix County $542 2.0 2.9 $10.42 $20.94 $28,290 24% $43,560 $1,089 $2,358 $707 $94,300 7,981 $20,460 $30,880 Sauk County 7,972 $68,200 $512 $1,705 $14.85 $11.02 2.0 1.3 $573 $772 32% $52,600 $14.73 Sawyer County $497 1.5 2.0 $9.56 1,963 $15,780 26% $30,640 $766 $1,315 $395 $18,090 4,087 Shawano County $1,508 $689 $27,560 24% $452 $13.25 $9.95 1.8 1.3 $517 $60,300 $29,320 30% $22,410 $14.10 $13.53 1.9 1.0 $704 Sheboygan County 14,104 $74,700 $560 $1,868 $733 1.4 $507 2,145 $59,800 $449 $1,495 $689 $27,560 25% $17,940 $13.25 $9.75 1.8 Taylor County $689 $632 $12.15 $13.25 $20,400 28% $27,560 1.8 $1,700 $510 $68,000 3,342 Trempealeau County 1.1 $465 1.5 1.8 $8.94 $13.25 $18,540 21% $689 $1,545 $464 $61,800 2,488 Vernon County $27,560 $27,560 1.4 2,630 $52,400 $393 $1,310 $689 Vilas County 25% $15,720 $13.25 $9.61 1.8 $500 $849 $33,960 32% $23,460 $16.33 $10.40 2.3 1.6 $541 Walworth County 12,868 $78,200 $587 $1,955 $17,100 Washburn County $428 $1,425 $718 $28,720 23% $57,000 $13.81 $9.94 1.9 1.4 $517 1,617 $650 11,735 $77,300 $580 $1,933 $911 $36,440 22% $23,190 $17.52 $12.50 2.4 1.4 Washington County 37,036 Waukesha County $77,300 $580 $1,933 $911 $36,440 24% $23,190 $17.52 $14.33 2.4 1.2 $745 $20,070 5,339 $502 $1,673 $689 $27,560 25% $66,900 $13.25 $10.97 1.8 1.2 $570 Waupaca County $27,560 1.8 1.5 $449 $689 19% $17,910 $13.25 $8.63 $1,493 $448 $59,700 1,827 Waushara County $769 35% 24,401 $71,100 $533 $1,778 $765 $30,600 $21,330 $14.71 $14.78 2.0 1.0 Winnebago County Wood County 8,428 $68,400 $513 $1,710 $689 1.1 $27,560 26% $20,520 $13.25 $12.36 1.8 $643 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | 267 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

274 S TAT E S TAT E * RANKING RANKING # WYOMING 31 In , the Fair Market Rent (FMR) for a two-bedroom apartment is Wyoming $16.46 . In order to afford this level of rent and utilities — without paying more $856 PER HOUR monthly or $2,853 than 30% of income on housing — a household must earn $34,236 annually. Assuming a 40-hour work week, 52 weeks per year, this STATE HOUSING level of income translates into an hourly Housing Wage of: WAGE FACTS ABOUT WYOMING: STATE FACTS 91 71 Work Hours Per Week At Work Hours Per Week At 1-Bedroom Minimum Wage Minimum Wage To Afford a 2-Bedroom To Afford a Minimum Wage $7.25 (at FMR) Rental Home (at FMR) Rental Home Average Renter Wage $14.25 2-Bedroom Housing Wage $16.46 1.8 2.3 Number of Full-Time Jobs At Number of Full-Time Jobs At 71,244 Number of Renter Households To Afford a Minimum Wage Minimum Wage To Afford a 2-Bedroom Rental Home (at FMR) 1-Bedroom Rental Home (at FMR) Percent Renters 31% Two bedroom FMR $856 HOUSING MOST EXPENSIVE AREAS WAGE One bedroom FMR $672 Rent affordable at Teton County $22.92 $1,919 area median income (AMI) Rent affordable with full-time job paying $741 Campbell County $18.79 mean renter wage Rent affordable at 30% of AMI $576 $17.10 Sheridan County Rent affordable with full-time job $377 paying minimum wage $16.98 Cheyenne MSA Rent affordable to SSI recipient $233 $16.75 C asper MSA $1,500 $1,000 $500 $2,000 $2,500 $0 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 2018 NATIONAL LOW INCOME HOUSING COALITION 268

275 WYOMING RENTERS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY18 HOUSING WAGE Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR Annual 30% afford 2 BR to afford at 30% renter wage needed to afford wage needed to at mean 5 4 3 2 at AMI (2012-2016) (2012-2016) of AMI AMI FMR FMR 2 BR FMR of AMI (2018) 2 BR FMR afford 2 BR FMR renter wage Wyoming $16.46 1.2 $34,236 $856 $1,919 2.3 $23,029 71,244 $14.25 $76,762 31% $741 $576 Combined Nonmetro Areas $16.27 $574 48,348 $1,913 $14.43 2.2 1.1 $750 $33,832 $846 $76,503 $22,951 31% Metropolitan Areas $16.75 $74,400 $1,860 $871 $34,840 34% Casper MSA $558 $15.34 2.3 1.1 $798 11,124 $22,320 $79,900 $16.98 $12.34 2.3 1.4 $642 11,772 Cheyenne MSA $23,970 32% $35,320 $883 $1,998 $599 Counties Albany County $533 $1,775 $796 $31,840 51% $71,000 $15.31 $8.79 2.1 1.7 $457 7,959 $21,300 1,180 $62,700 $470 $1,568 $697 $27,880 26% $18,810 $13.40 $11.05 1.8 1.2 $575 Big Horn County Campbell County 5,293 $92,600 $695 $2,315 $977 $39,080 30% $27,780 $18.79 $16.76 2.6 1.1 $872 0.8 Carbon County 1,822 $74,500 $559 $1,863 $798 $31,920 30% $22,350 $15.35 $20.00 2.1 $1,040 $30,760 2.0 1.0 $15.55 $14.79 $23,370 27% $808 $769 $1,948 $584 $77,900 1,481 Converse County 2.1 $15.31 $21,510 21% $31,840 $1,793 $538 $71,700 628 Crook County 0.9 $17.91 $931 $796 $784 $11.79 2.1 1.3 $613 $31,360 29% $1,705 $512 $68,200 4,441 Fremont County $20,460 $15.08 $29,560 $11.77 1,266 $60,000 $450 $1,500 $739 Goshen County 24% $18,000 $14.21 2.0 1.2 $612 $665 Hot Springs County 594 $63,000 $473 $1,575 $700 $28,000 26% $18,900 $13.46 $12.79 1.9 1.1 27% $603 $67,800 $509 $1,695 $869 $34,760 980 $20,340 $16.71 $11.59 2.3 1.4 Johnson County 1.4 Laramie County 11,772 $79,900 $599 $1,998 $883 $35,320 32% $23,970 $16.98 $12.34 2.3 $642 $34,160 21% $23,550 $16.42 $14.07 2.3 1.2 $732 Lincoln County 1,462 $78,500 $589 $1,963 $854 $798 $74,400 $558 $1,860 $871 $34,840 34% $22,320 $16.75 $15.34 2.3 1.1 11,124 Natrona County $18,900 292 Niobrara County † 1.8 $13.40 $63,000 30% $27,880 $697 $1,575 $473 $770 $70,700 $530 3,314 Park County $654 1.2 2.0 $12.57 $14.81 $21,210 28% $30,800 $1,768 Platte County $61,600 $462 $1,540 $697 $27,880 904 $18,480 $13.40 $15.56 1.8 0.9 $809 25% $74,900 4,009 1.4 Sheridan County $12.03 $17.10 $22,470 $625 2.4 32% $35,560 $889 $1,873 $562 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 269

276 WYOMING HOUSING COSTS AREA MEDIAN INCOME (AMI) FY18 HOUSING WAGE RENTERS Monthly Full-time Monthly Hourly wage rent Annual income Estimated jobs at Full-time jobs at rent Monthly rent % of total Renter necessary to affordable needed hourly mean minimum wage mean renter affordable 1 affordable households households 2 BR 30% Annual afford 2 BR at 30% to afford renter wage needed to afford wage needed to at mean 5 4 2 3 at AMI (2012-2016) (2012-2016) AMI of AMI FMR FMR of AMI 2 BR FMR (2018) 2 BR FMR afford 2 BR FMR renter wage Sublette County $689 $2,298 $857 $91,900 $34,280 29% $27,570 918 $16.48 $17.30 2.3 1.0 $900 27% Sweetwater County $85,100 $638 $2,128 $854 $34,160 4,539 $25,530 $16.42 $18.93 2.3 0.9 $984 1.5 $780 3.2 $15.00 $22.92 $29,550 40% Teton County $1,192 $2,463 $739 $98,500 3,444 $47,680 $529 2,205 $66,100 $496 $1,653 $736 Uinta County 30% $19,830 $14.15 $10.18 2.0 1.4 $29,440 $20,910 25% $27,880 $697 $1,743 $523 $69,700 889 Washakie County $616 1.8 $13.40 1.1 $11.85 $794 $31,760 23% $25,290 $15.27 $12.76 2.1 1.2 $664 Weston County 728 $84,300 $632 $2,108 † Wage data not available (See Appendix B). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2018 Fair Market Rent. 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix B. 4: AMI = Fiscal Year 2018 Area Median Income costs. 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing | OUT OF REACH 2018 NATIONAL LOW INCOME HOUSING COALITION 270

277 APPENDIX A: LOCAL MINIMUM WAGES Local Minimum Wage 1 BR Housing Wage 2 BR Housing Wage Locality (as of 7/1/18) $8.95 $13.60 $16.79 Albuquerque, NM $12.50 $48.06 $60.02 Belmont, CA $13.75 $35.67 $44.79 Berkeley, CA $13.60 $8.85 $16.79 Bernalillo County, NM Chicago, IL $19.50 $22.69 $12.00 Cook County, IL $11.00 $19.50 $22.69 Cupertino, CA $13.50 $39.06 $48.50 El Cerrito, CA $13.60 $35.67 $44.79 Emeryville, CA (1) $15.69 $35.67 $44.79 $21.71 Flagstaff, AZ $11.00 $17.69 $9.20 $14.48 $11.77 Las Cruces, NM Los Altos, CA $39.06 $48.50 $13.50 Los Angeles, CA (2) $13.25 $24.69 $31.98 Los Angeles County, CA (2) $13.25 $24.69 $31.98 Malibu, CA (2) $13.25 $24.69 $31.98 Milpitas, CA $13.50 $39.06 $48.50 $16.62 Minneapolis, MN (3) $11.25 $20.94 Montgomery County, MD (4) $30.02 $34.48 $12.25 Mountain View, CA $15.00 $39.06 $48.50 Oakland, CA $13.23 $35.67 $44.79 Palo Alto, CA $13.50 $39.06 $48.50 Pasadena, CA (2) $13.25 $24.69 $31.98 $10.90 $25.92 $20.27 Portland, ME $11.50 Prince George’s County, MD $34.48 $30.02 | 271 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

278 Local Minimum Wage 2 BR Housing Wage Locality 1 BR Housing Wage (as of 7/1/18) Richmond, CA $13.41 $35.67 $44.79 $26.92 San Diego, CA $11.50 $34.92 San Francisco, CA $48.06 $60.02 $15.00 San Jose, CA $13.50 $39.06 $48.50 San Leandro, CA $13.00 $35.67 $44.79 $48.06 $60.02 San Mateo, CA (5) $13.50 $13.00 $48.50 $39.06 Santa Clara, CA $11.40 $16.42 $19.35 Santa Fe, NM $11.40 Santa Fe County, NM $16.42 $19.35 $31.98 Santa Monica, CA (2) $13.25 $24.69 $15.45 $29.40 $36.12 Seattle, WA (6) Sunnyvale, CA $15.00 $39.06 $48.50 Tacoma, WA $12.00 $22.02 $16.94 $34.48 Washington D.C. $13.25 $30.02 Minimum wage for firms with more than 55 employees. Minimum wage for firms with fewer employees is $15.00 1. 2. Minimum wage for firms with more than 25 employees. Minimum wage for firms with fewer employees is $12.00. Minimum wage for firms with more than 100 employees. Minimum wage for firms with fewer employees is $10.25. 3. Minimum wage for firms with more than 50 employees. Minimum wage for firms with fewer employees is $12.00. 4. 5. The minimum wage for non-profits is $12.00. 6. Minimum wage for firms with more than 500 employees. Minimum wage for firms with fewer employees is $14.00. | 272 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

279 APPENDIX B: DATA NOTES, METHODOLOGIES, AND SOURCES 2013. For FY16, HUD elected to apply pre-2013 boundaries to Appendix B describes the data used in Out of Reach . Information on how to calculate and interpret the report’s numbers can be FMR areas except where the post-2013 OMB boundaries resulted found in the pages “How to Use the Numbers” and “Where the in a smaller FMR area. Counties that had been removed from metropolitan areas were treated by HUD as nonmetropolitan Numbers Come From”, immediately following this appendix. counties. Counties that had been added to metropolitan areas were treated by HUD as metropolitan subareas (HMFAs) and FAIR MARKET RENT AREA given their own FMR if local rent data were statistically reliable. DEFINITIONS New multi-county metropolitan areas were treated by HUD as HUD determines Fair Market Rents (FMRs) for metropolitan individual county metropolitan subareas (HMFAs) if the data and rural housing markets across the country. In metropolitan were statistically reliable. This is consistent with HUD’s objective areas, HUD uses the Office of Management and Budget’s (OMB) to allow FMRs to vary locally. These changes resulted in more metropolitan area boundaries to define FMR areas. Since FMR metropolitan areas in , beginning in 2016. Out of Reach areas are meant to reflect cohesive housing markets, the OMB In cases in which an FMR area crosses state lines, Out of Reach boundaries are not always preferable. Also, significant changes provides an entry for the area under both states. While the to OMB metropolitan boundaries can affect current housing Housing Wage, FMR, and Area Median Income (AMI) values apply assistance recipients. In keeping with OMB’s guidance to federal to the entire FMR area and will be the same in both states, other agencies, HUD modifies OMB boundaries in some instances for data such as the number of renter households, the minimum program administration. wage, and renter wages apply only to the portion of the FMR area In FY06, HUD’s FMR areas incorporated OMB’s 2003 overhaul of within that state’s borders. metropolitan area boundaries. HUD used OMB’s new boundaries, but modified them if a county (or town) to be added to an FMR FAIR MARKET RENTS area under OMB’s definitions had rents or incomes in 2000 that The FY18 FMRs are based on five-year 2011-2015 American deviated more than 5% from the newly defined metropolitan area. Community Survey (ACS) data, supplemented with one-year Out of Reach ) refers to unmodified OMB-defined areas HUD (and 2015 ACS data. For each FMR area, a base rent is typically as Metropolitan Statistical Areas (MSAs) and HUD-modified areas th set at the 40 percentile of adjusted standard quality two- as HUD Metro FMR Areas (HMFAs). OMB’s subsequent changes bedroom gross rents from the five-year ACS. The estimate is to metropolitan boundaries through 2009 were incorporated into considered reliable by HUD if its margin of error is less than HUD’s subsequent FMR areas. 50% of the estimate and is based on at least 100 observations. OMB released new metropolitan area boundaries in February If an FMR area does not have a reliable estimate from the five- | 273 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

280 FMRs. The focus on the two-bedroom FMRs reflects HUD year 2011-2015 ACS, then HUD checks whether the area had a minimally reliable estimate (margin of error was less than 50% methodology. HUD finds that two-bedroom rental units are the most common and the most reliable to survey, so two-bedroom units are of estimate) in at least two of the past three years. If so, the FY18 base rent is the average of the inflation-adjusted reliable utilized as the primary FMR estimate. ACS estimates. If an area has not had at least two minimally HUD applies bedroom-size ratio adjustment factors to the two- reliable estimates in the past three years, the estimate for the bedroom estimates to calculate FMRs for other bedroom-size next largest geographic area is the base for FY18, which for a units. HUD makes additional adjustments for units with three nonmetropolitan county would be the state nonmetropolitan or more bedrooms to increase the likelihood that the largest area estimate. families, who have the most difficulty in finding units, will be A recent mover adjustment factor is applied to the base rent. successful in finding rental units eligible for Housing Choice This factor is calculated as the percentage change between Vouchers and other assistance programs with payment standards th percentile standard quality two- based on FMRs. the five-year 2011-2015 40 th bedroom gross rent, and the one-year 2015 40 percentile recent Due to changes in FMR methodology over the years, we do not mover two-bedroom gross rent. The one-year recent mover two- recommend comparing the current edition of Out of Reach with bedroom gross rent is reliable if its margin of error is less than previous ones. 50% of the estimate and is based on at least 100 observations. If https://www.huduser.gov/ FMRs for each area are available at the one-year recent mover two-bedroom gross rent estimate is portal/datasets/fmr.html#2018_query 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 HUD’s Federal Register notices for FY18 FMRs are available at largest geographic area is used. HUD does not allow recent mover https://www.huduser.gov/portal/datasets/fmr.html#2018_data factors to lower the base rent. TH TH 40 AND 50 PERCENTILE FMR Statistically reliable local rent surveys are used to estimate rents when their estimates are statistically different from the ACS-based DESIGNATION rents. For FY18, the ACS is not used as the base rent or recent mover NLIHC uses FMRs to calculate the housing wage. HUD’s factors in 12 FMR areas. HUD currently does not have funds to th regulations at 24 CFR 888.113 required FMRs be set at the 50 conduct local rent surveys, so surveys must be paid for by the local th , for metropolitan areas with percentile rent, rather than the 40 public housing agencies or other interested parties if they wish for geographically concentrated voucher recipients. This rule was HUD to reevaluate the ACS-based FMRs. established to raise the voucher payment standard and expand A local or regional CPI update factor is applied to the ACS base rental options in higher opportunity locations for housing th rent to adjust for inflation through 2016. A trend factor is then voucher holders. Once designated, the FMR area retains its 50 applied to trend the gross rent forward to FY 2018, using a percentile status for three years. national forecast of expected growth in gross rent. th percentile FMRs, as part of its FY16 HUD is phasing out 50 th While the printed book highlights the two-bedroom Out of Reach final rule for Small Area FMRs. 50 percentile FMRs will revert th FMR, the Out of Reach website includes zero- to four-bedroom to 40 percentile FMRs at the end of their three year period. | 274 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

281 th percentile FMRs. An For FY18, seven FMR areas have 50 one-year 2015 ACS data, HUD incorporated the one-year data. . Out of Reach HUD’s standard for a reliable estimate is a margin of error of less asterisk (*) is used to denote these FMR areas in than 50% of the estimate and at least 100 observations on which They are Baltimore-Columbia-Towson, MD MSA; Bergen- Passaic, NJ HMFA; Philadelphia-Camden-Wilmington, PA- the estimate is based. NJ-DE-MD MSA; San Diego-Carlsbad-San Marcos, CA MSA; Where a statistically reliable estimate from five-year data is not Spokane, WA HMFA; Washington, DC-VA-MD HMFA; West Palm available, HUD checks on whether the area has a minimally Beach-Boca Raton, FL HMFA. reliable estimate (margin of error is less than 50% of the estimate) from at least two of the past three years. If so, the NATIONAL, STATE, AND NON- average of these years, is used. METRO FAIR MARKET RENTS The Congressional Budget Office (CBO) projection of the The FMRs for the nation, states, and state nonmetropolitan areas Consumer Price Index (CPI) was used by HUD to inflate the ACS in Out of Reach are calculated by NLIHC and reflect the weighted estimate from 2015 to the mid-point of FY18. average FMR for the counties included in the larger geography. Applying the assumption that no more than 30% of income The weight for FMRs is the number of renter households within calculates the Out of Reach should be spent on housing costs, each county from the five-year 2012-2016 ACS. maximum affordable rent for households earning the median income and households earning 30% of the median. This is a AFFORDABILITY straight percentage and does not include HUD’s adjustments to Out of Reach is consistent with federal housing policy in the income limits for federal housing programs. assumption that no more than 30% of a household’s gross income The median incomes for states and state combined nonmetropolitan should be consumed by gross housing costs. Spending more than areas reported in Out of Reach reflect the weighted average of 1 30% of income on housing is considered “unaffordable.” county AMI data weighted by the total number of households from the 2012-2016 ACS. AREA MEDIAN INCOME (AMI) FY18 family AMI for metropolitan areas and nonmetropolitan Out of Reach This edition of uses HUD’s FY18 AMIs. HUD counties, the methodology, and HUD’s adjustments to subsequent calculates the family AMI for metropolitan areas and income limits are available at https://www.huduser.gov/portal/ nonmetropolitan counties. The Census definition of “family” datasets/il.html#2018_data is two or more persons related by blood, marriage or adoption residing together. This family AMI is not intended to apply to a PREVAILING MINIMUM WAGE specific family size. Out of Reach incorporates the minimum wage in effect as of HUD used the five-year 2011-2015 ACS data to calculate the July 1, 2018. According to the U.S. Department of Labor, the FY18 AMIs. In areas with a statistically reliable estimate from District of Columbia and 29 states have a state minimum wage higher than the federal level of $7.25 per hour. Out of Reach 1 The Housing and Urban-Rural Recovery Act of 1983 made the 30% “rule of thumb” incorporates the higher prevailing state minimum wage in these applicable to rental housing assistance programs. | 275 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

282 wage forms of compensation like paid leave, bonuses, tips, and states. Some local municipalities have a minimum wage that is 3 stock options. higher than the prevailing federal or state rate, but this local rate . is not fully incorporated into Out of Reach The estimated mean renter hourly wage is based on the average weekly earnings of private (non-governmental) employees are the number Among the statistics included in Out of Reach 4 Renter wage information is based working in each county. of hours and subsequent full-time jobs a minimum wage earner on 2016 data reported by the BLS in the Quarterly Census of must work to afford the FMR. If the reader would like to calculate Employment and Wages. For each county, mean hourly earnings the same statistics using a different wage such as a higher local are multiplied by the ratio of median renter household income minimum wage, a simple formula can be used for the conversion: to median household income from the five-year 2012-2016 ACS to arrive at an estimated average renter wage. In twenty- [hours or jobs at the published wage] × four counties nationwide, the median renter household income exceeds the median household income. Nationally, median [published wage] / [alternative wage] renter household income was 63.6% of the median household income. For example, one would have to work 116 hours per week to An inflation factor was applied to the estimated mean renter afford the two-bedroom FMR in Los Angeles County, CA, if the hourly wage to adjust from 2016 to FY18. The inflation factor county’s minimum wage was equivalent to California’s rate of (249.452 ÷ 240.009) was based on the CBO June 2017 forecast of $11.00. However, the same FMR would be affordable with 106 the national CPI for FY18. hours of work per week under the higher local minimum wage 2 of $12.00 (116 * $11.00 / $12.00). For further guidance, see In approximately 11% of counties or county equivalents “Where the Numbers Come From” or contact NLIHC research (including Puerto Rico), the renter wage is below the federal staff. or state (where applicable) minimum wage. One explanation is that workers in these counties likely average fewer than 40 The Department of Labor provides further information on state hours per week, but the mean renter wage calculation assumes www.dol.gov/whd/minwage/america.htm . minimum wages at weekly compensation is the product of a full-time work week. For example, mistakenly assuming earnings from 20 hours of work AVERAGE RENTER WAGE were the product of a full-time workweek would underestimate Recognizing that the minimum wage reflects the earnings of the actual hourly wage by half, but it would still accurately reflect Out of Reach also calculates an only the lowest income workers, the true earnings. 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 3 Please note this measure is different from median renter household income, which are earning today and includes reflects an estimate of what renter households assuming a full-time workweek. Earnings include several non- income not earned in relation to employment. 4 Renter wage data for some counties are not provided in Out of Reach either because the BLS could not disclose the data for confidentiality reasons or because Inventory of U.S. city and county minimum 2 U.C. Berkeley Labor Center (2018). the number of employees working in the county was insufficient to estimate a wage ordinances. reliable wage. | 276 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

283 Wage data from the Quarterly Census of Employment and Wages SUPPLEMENTAL SECURITY are available through the Bureau of Labor Statistics at www.bls. . gov/cew/home.htm INCOME (SSI) Out of Reach compares rental housing costs with the rent MEDIAN RENTER HOUSEHOLD affordable to individuals receiving Supplemental Security Income (SSI) payments. The national numbers are based on the INCOME maximum federal SSI payment for individuals in 2018, which Median renter household income is from the 2012-2016 ACS Out of Reach is $750 per month. calculations for states include projected forward to FY18 based on the CBO June 2017 forecast supplemental payments that benefit all individual SSI recipients of the national CPI for FY18. in 22 states where the Social Security Administration (SSA) reports the supplemental payment amount. WORKING HOURS Supplemental payments provided by other states and the District Calculations of the Housing Wage and of the number of jobs calculations. For Out of Reach of Columbia are excluded from required at the minimum wage or mean renter wage to afford some, these payments are administered by the SSA but are the FMR assume that an individual works 40 hours per week, available only to populations with specific disabilities, in specific 52 weeks each year, for a total of 2,080 hours per year. Seasonal facilities, or in specific household settings. For the majority, employment, unpaid sick leave, temporary lay-offs, job changes, however, the supplements are administered directly by the states, and other leave prevent many individuals from maximizing their so the data are not readily available if they haven’t been reported earnings throughout the year. According to the Bureau of Labor to the SSA. The only four states that do not supplement federal Statistics, as of April 2018, the average wage earner in the U.S. SSI payments are Arizona, Mississippi, North Dakota, and West 5 worked 34.5 hours per week. Virginia. Residents of Puerto Rico cannot receive federal SSI payments. Not all employees have the opportunity to translate an hourly wage into full-time, year-round employment. For these workers, Information on SSI payments is available from the Social the Housing Wage underestimates the actual hourly compensation Security Administration at https://www.ssa.gov/OACT/ needed to afford the FMR. Conversely, some households include COLA/SSI.html . multiple wage earners. For these households, a home renting at The Technical Assistance Collaborative, Inc., publishes the FMR would be affordable even if each worker earned less than Priced Out , which compares FMRs with the incomes of SSI the area’s stated Housing Wage, as long as their combined wages http:// recipients. The most recent edition can be found at exceed the Housing Wage for at least 40 working hours per week. www.tacinc.org/knowledge-resources/priced-out-v2 5 Bureau of Labor Statistics. (2018). The employment situation – April 2018. Washington, D.C.: U.S. Department of Labor. | 277 NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2018

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