Out of Reach 2016

Transcript

1 No Refuge for Low Income Renters MADE POSSIBLE BY THE GENEROSITY OF:

2 NLIHC STAFF Communications Specialist Malik Siraj Akbar Vice President for Research Andrew Aurand Josephine Clarke Executive Assistant Dan Emmanuel Research Analyst Ellen Errico Graphic Design and Web Manager Senior Advisor Ed Gramlich Sarah Jemison Housing Advocacy Organizer Chief Operating Officer Paul Kealey Established in 1974 by Cushing N. Dolbeare, the Senior Organizer for Housing Advocacy Joseph Lindstrom National Low Income Housing Coalition is dedicated Khara Norris Director of Administration James Saucedo Housing Advocacy Organizer solely to achieving socially just public policy that assures Development Coordinator Christina Sin people with the lowest incomes in the United States Elayne Weiss Policy Analyst have affordable and decent homes. NLIHC educates, Vice President for Field and Communications Renee Willis President and CEO Diane Yentel organizes, and advocates to ensure decent, affordable housing within healthy neighborhoods for everyone. NLIHC provides up-to-date information, formulates NLIHC BOARD OF DIRECTORS policy, and educates the public on housing needs Brenda J. Clement, , Chair Deidre “DeeDee” Gilmore, and the strategies for solutions. Permission to reprint Charlottesville, VA Boston, MA portions of this report or the data therein is granted, Lisa Hasegawa, Washington, DC Christine Allamanno, Saint Petersburg, provided appropriate credit is given to the National Low Isabelle Headrick, Austin, TX FL Income Housing Coalition. Additional copies of Out of Moises Loza (Honorary), Washington, William C. Apgar, Orleans, MA Dara Baldwin, Washington, DC DC are available from NLIHC. Reach Rachael Myers, Seattle, WA David Bowers, Washington, DC Marla Newman, Baton Rouge, LA Delorise Calhoun, Cincinnati, OH The data for nonmetropolitan areas included in Out of Emma “Pinky” Clifford, Pine Ridge, SD Ann O’Hara, Boston, MA Reach are published in collaboration with the Housing Robert Palmer, Chicago, IL Lot Diaz, Washington, DC Assistance Council. Chris Estes, Washington, DC Greg Payne, Portland, ME Eric Price, Washington, DC Bill Faith (Honorary), Columbus, OH Was Made Possible by Out of Reach 2016 Daisy Franklin, Norwalk, CT Tara Rollins, Salt Lake City, UT The Generous Support of J.P. Morgan Chase. Dora Leong Gallo, Los Angeles, CA Michael Steele, New York, NY Matt Gerard, Minneapolis, MN Martha Weatherspoon, Clarksville, TN 1000 Vermont Avenue, NW, Suite 500 Washington, DC 20005 (Phone) 202.662.1530 | (Fax) 202.393.1973 Design and Layout by Ellen Errico WWW.NLIHC.ORG OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

3 OUT OF REACH DIANE YENTEL, MSW President and CEO ANDREW AURAND, PH.D., MSW Vice President for Research DAN EMMANUEL, MSW Research Analyst ELLEN ERRICO Graphic Design & Web Manager GAR MENG LEONG Research Intern KATE RODRIGUES Research Intern WWW.NLIHC.ORG/OOR Copyright © 2016 by the National Low Income Housing Coalition OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

4 OUT OF REACH Table of Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . California 31 . . . . . . . . . . . . . . . . . . . . . . . . . . . . iii PREFACE 36 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Colorado INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . 1 Connecticut 40 . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Delaware . . . . . . . . . . . . . . . . . . . . . . . . . . . . USER’S GUIDE 46 District of Columbia . . . . . . . . . . . . . . . . . . . . . . How to Use the Numbers . . . . . . . . . . . . . . . . . . . . 8 48 Florida . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Where the Numbers Come From 53 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Georgia TABLES AND MAPS Hawaii . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 . . . . . . . . . . . . . . 2016 Most Expensive Jurisdictions 10 63 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Idaho 11 . . . . . 2016 States Ranked by Two-Bedroom Housing Wage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Illinois 67 2016 Two-Bedroom Rental Unit Housing Wage 12 . . . . . . . . Indiana . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73 2016 Hours at Minimum Wage Needed to Afford Rent 13 . . . . 79 Iowa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . State Summary 14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 Kansas . . . . . . . . . . . . . . . . . . . . . . . . . . . . Kentucky 91 STATE PAGES Louisiana . . . . . . . . . . . . . . . . . . . . . . . . . . . . 97 16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Alabama 102 Maine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Alaska 21 106 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Maryland 24 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Arizona 109 . . . . . . . . . . . . . . . . . . . . . . . . . Massachusetts . . . . . . . . . . . . . . . . . . . . . . . . . . . . Arkansas 26 • OUT OF REACH 2016 i NATIONAL LOW INCOME HOUSING COALITION

5 Rhode Island Michigan 115 . . . . . . . . . . . . . . . . . . . . . . . . . . 194 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 120 . . . . . . . . . . . . . . . . . . . . . . . . . South Carolina . . . . . . . . . . . . . . . . . . . . . . . . . . . Minnesota 197 South Dakota Mississippi . . . . . . . . . . . . . . . . . . . . . . . . . . . 125 . . . . . . . . . . . . . . . . . . . . . . . . . . 201 . . . . . . . . . . . . . . . . . . . . . . . . . . . Missouri . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tennessee 130 205 136 Montana . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 211 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . 223 Nebraska . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Utah 140 226 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nevada . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145 Vermont Virginia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 147 229 New Hampshire . . . . . . . . . . . . . . . . . . . . . . . . 151 . . . . . . . . . . . . . . . . . . . . . . . . . . New Jersey Washington 236 . . . . . . . . . . . . . . . . . . . . . . . . . . . West Virginia New Mexico . . . . . . . . . . . . . . . . . . . . . . . . . . 154 240 . . . . . . . . . . . . . . . . . . . . . . . . . . 244 . . . . . . . . . . . . . . . . . . . . . . . . . . . . New York . . . . . . . . . . . . . . . . . . . . . . . . . . . Wisconsin 157 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 249 North Carolina . . . . . . . . . . . . . . . . . . . . . . . . . Wyoming 161 167 North Dakota . . . . . . . . . . . . . . . . . . . . . . . . . . APPENDICES 171 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Ohio Appendix A: 176 . . . . . . . . . . . Data Notes, Methodologies, and Sources Oklahoma . . . . . . . . . . . . . . . . . . . . . . . . . . . 252 Oregon 181 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184 . . . . . . . . . . . . . . . . . . . . . . . . . . Pennsylvania Puerto Rico 189 . . . . . . . . . . . . . . . . . . . . . . . . . . . ii OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

6 PREFACE BY JULIÁN CASTRO, SECRETARY OF THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Three-quarters of extremely low-income families pay more early a century ago, President Theodore Roosevelt became the nation’s than half of their income just to keep a roof over their heads, first chief executive to propose federal investment to create housing specifically for low-income Americans. It was a monumental step in N leaving less money for food, child care, transportation, and the long march toward ensuring that a decent, affordable home is available so many other basic necessities. to every citizen. And it spoke to a fundamental truth that has And it’s not just people of very modest means long been at the heart of the National Low Income Housing who are working harder to make ends Coalition’s (NLIHC) work: Our nation can’t fulfill any of our meet. Last year, rising rents in a number major goals — whether it’s tackling inequality, improving of cities outpaced the rate of inflation, LAST YEAR, HUD Secretary healthcare, keeping neighborhoods safe, or making sure which is hurting low- and moderate- Julián Castro IN RISING RENTS every child gets a good education — unless we also focus income Americans. I learned of one on housing. That is because housing is one of the most A NUMBER OF CITIES San Jose family in which both parents worked full- basic needs we have, a need that is as much about how time but the only place they could afford was at a local OUTPACED THE RATE we live as about where we live. homeless shelter. The crisis is also affecting seniors, OF INFLATION , WHICH many of whom live on fixed incomes. Today, HUD is In the years since President Roosevelt’s bold stand, LOW- AND IS HURTING we’ve come together, time and again, to expand only able to serve one out of every three seniors who the promise of a good home to more families. We needs our help. And Harvard’s Joint Center for Housing MODERATE-INCOME Studies calculated that as our nation ages, HUD would did that through the creation of the Federal Housing AMERICANS. Administration and by building public housing as part of need to provide housing support for an additional 900,000 President Franklin Roosevelt’s New Deal. We did it through seniors just to keep pace between now and 2030. the passage of the Fair Housing Act in 1968, which continues Tackling our affordability crisis isn’t just the right thing to do — it’s to help foster a housing market that is free from discrimination. We also one of the best ways we can invest in our nation’s long term growth did it in the 1990s, when we invested new resources to help strengthen rural and competitiveness. That is the message from this year’s Out of Reach report. and urban communities and expand affordable housing across the nation. And, This report confirms that investing in affordable housing — as HUD is doing by under President Barack Obama’s leadership, we’ve done that over the last seven providing annual housing support for nearly 5.5 million households and through years by supporting our housing market’s recovery, preserving public housing, the new national Housing Trust Fund, as part of innovative efforts like the Rental joining forces with states, cities, towns, and tribal communities to help end Assistance Demonstration, and with incentives like the Low Income Housing Tax homelessness, and fighting to make our rental market more affordable. Credit — is one of the most important steps we can take to help people succeed We’ve achieved a lot together. But as the report you’re about to read shows, we today, and live healthier lives long into the future. have a lot of work to do to realize our shared vision of a secure home for every I urge everyone who’s moved by what you read here to join us in the cause of American. Today, there is a shortage of 7.2 million affordable housing units for ensuring that every American has the opportunity to secure a decent home in a the nation’s more than 10 million extremely low-income families. It’s a crisis that neighborhood of promise. That is the vision we’ve been fighting to realize for is making it ever harder for families to find housing and forcing many people to nearly a century. Let’s accomplish it for every family in this 21st century and choose between doubling up in a friend’s apartment or sleeping in their car. As beyond. difficult as it can be to find a home, keeping that home can be just as daunting. iii OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

7 DEFINITIONS INTRODUCTION in this report is consistent Affordability Twenty-nine states, the District of Columbia, LIHC’s annual report, Out of Reach , with the federal standard that no more documents the gap between wages and and a small number of local jurisdictions have than 30% of a household’s gross income a minimum wage higher than the federal level. the price of housing across the United N should be spent on rent and utilities. Households States. The report’s Housing Wage is an estimate However, in no state, metropolitan area, paying over 30% of their income are considered cost of the hourly wage that a full-time worker must or county can a full-time worker earning burdened. Households paying over 50% of their earn to afford a modest and safe the prevailing minimum wage income are considered severely cost burdened. rental home without spending afford a modest two-bedroom is used to determine Area Median Income (AMI) In only twelve apartment. more than 30% of his or income eligibility for affordable housing programs. her income on rent and counties and one The AMI is set according to family size and varies by utility costs. This year’s metropolitan area is the region. IN NO STATE, findings highlight the prevailing minimum Extremely Low Income (ELI) refers to earning METROPOLITAN AREA, OR wage sufficient to struggle faced by less than 30% of AMI. afford a modest millions of families COUNTY CAN A in affording a safe one-bedroom is the estimated full-time hourly Housing Wage FULL-TIME WORKER EARNING 1 apartment. and decent home. Local wage a household must earn to afford a decent THE PREVAILING MINIMUM minimum wages Wage stagnation, rental unit at HUD-estimated Fair Market Rent while higher than the particularly AFFORD A MODEST WAGE spending no more than 30% of their income on among lower wage prevailing federal housing costs. TWO-BEDROOM workers, rising rents, or state levels still APARTMENT . Full-time work is defined as 2,080 hours per year and an inadequate fall short of the local (40 hours each week for 52 weeks). The average supply of affordable one-bedroom and two- employee works roughly 34.4 hours per week, housing continue to bedroom housing wage according to the Bureau of Labor Statistics. (Table 1). present significant challenges. is typically the 40th Fair Market Rent (FMR) The struggle to afford a decent home In 2016, the national Housing Wage percentile of gross rents for standard rental units. is $20.30 for a two-bedroom rental unit and isn’t limited to minimum wage workers. The FMRs are determined by HUD on an annual basis, $16.35 for a one-bedroom rental unit . A average hourly wage of renters in the U.S. and reflect the cost of shelter and utilities. FMRs are is $15.42, $4.88 less than the two-bedroom worker earning the federal minimum wage of used to determine payment standards for the Housing Housing Wage. In many states, the gap between $7.25 per hour would need to work 2.8 full time Choice Voucher program and Section 8 contracts. jobs, or approximately 112 hours per week for the mean renter wage and the Housing Wage all 52 weeks of the year, in order to afford a two- is significant (Figure 1). In no state is the mean Renter wage is the estimated mean hourly wage bedroom apartment at HUD’s Fair Market Rent renter wage sufficient to afford a two-bedroom among renters, based on 2014 Bureau of Labor apartment at the FMR. (FMR). If this worker slept for eight hours per Statistics wage data, adjusted by the ratio of renter night, he or she would have no remaining time income to the overall household income reported in The lowest income households face the during the week for anything other than working the ACS and projected to 2016. 1 All of them are located in West Virginia and Washington and sleeping. State. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 1

8 greatest housing affordability challenges (Figure TABLE 1: MINIMUM-WAGE WORKERS IN LOCALITIES WITH A HIGHER 2). Extremely low income (ELI) households have MINIMUM-WAGE STILL EARN LESS THAN THE HOUSING WAGE income at or below 30% of their area median. On average, they can afford to spend no more than $507 per month on housing costs. An individual relying 1 BR Housing Wage Locality 2 BR Housing Wage Local Minimum-Wage on Supplemental Security Income (SSI) in 2016 can $40.44 $31.98 $11.00 Berkeley, CA only afford monthly rent of $220. Meanwhile, the national average monthly rent for a modest one- $18.10 $14.75 $8.50 Bernalillo County, NM bedroom apartment is $850. The national average Chicago, IL $10.00 $22.62 $19.25 cost of a modest one-bedroom apartment would Emeryville, CA $40.44 $31.98 $14.44 consume more than a single SSI recipient’s entire $12.79 Johnson County, IA $8.20 $16.60 income. Such an individual would be unable to maintain shelter without housing assistance. $12.69 Las Cruces, NM $8.40 $10.40 Out of Reach 2016 clearly indicates that renters, $12.38 $15.71 $7.75 Louisville, KY particularly those with the lowest incomes, face Montgomery County, MD $26.96 $31.21 $9.55 significant affordability barriers in securing safe, $11.00 Mountain View, CA $38.35 $30.42 decent, affordable homes. The next two sections explore two causes of this affordability crisis and $31.98 Oakland, CA $12.25 $40.44 how a new federal housing program, the national $38.35 $30.42 Palo Alto, CA $11.00 Housing Trust Fund (HTF), can help address it. $21.33 $17.04 Portland, ME $10.10 Wage Stagnation and Prince George’s County, MD $9.55 $26.96 $31.21 Income Inequality $31.98 $40.44 $11.52 Richmond, CA San Diego, CA $10.50 $22.17 $28.83 Wage stagnation and income inequality contribute to the gap between what people earn and the cost of San Francisco, CA $12.25 $44.02 $34.88 their housing. From 2007 to 2015, the bottom 10% $38.35 $11.00 $30.42 Santa Clara, CA of wage earners saw a 0.2% increase in real hourly 2 $15.04 Santa Fe, NM $18.13 $9.50 wages, while the top 5% saw an 8.7% increase, continuing a long-term trend of growing income $15.04 $18.13 $10.66 Santa Fe County, NM inequality. Between 1979 and 2013, the bottom 10% $23.56 $13.00 Seattle, WA $29.29 of wage earners saw a 5.3% decline in real hourly $30.42 $10.30 Sunnyvale, CA $38.35 3 wages, while the top 5% saw a 40.6% increase. Tacoma, WA $10.35 $16.79 $21.65 Gould, E. (2016). Wage inequality continued its 35-year rise in 2 2015. Washington, DC: Economic Policy Institute. Retrieved Notes on Table: http://www.epi.org/publication/wage-inequality-continued- from 1. - Local minimum wage amounts used in this chart are as of March 1, 2016 and come from the U.C. Berkeley Labor Center’s Inven its-35-year-rise-in-2015/#epi-toc-3 . tory of U.S. City and County Minimum Wage Ordinances. Wage stagnation in nine 3 Mishel, L., Gould, E., & Bivens, J. (2015). 2. Housing Wages in this chart refer to the jurisdiction’s corresponding FMR area. charts . Washington, DC: Economic Policy Institute. Retrieved . http://www.epi.org/publication/charting-wage-stagnation/ from: 2 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

9 FIGURE 1: STATES WITH THE LARGEST SHORTFALL BETWEEN TWO BEDROOM HOUSING WAGE AND RENTER WAGE 00 $40. 22 $34. 59 53 52 91 $30. 00 $28. 72 $26. $26. $25. 09 $24. 06 22 47 $21.13 $21. 04 98 21 91 $20. 00 $19. $19. $18. 53 08 $17. $16. 59 $16. $15. 79 $14. 36 $14. $12. $11. $10. $10. 00 $0. 00 Hamp Maine Mary land New Jer sey Calif orni a Connec ticut Ver mont Massa chus etts New Hawaii shi re Rho de Island Two-Bed room Hous ing Wage Rent er Wage 4 An analysis by the Brookings Institution found that cities with greater income inequality tend to have lower housing affordability for low income households. Greater income inequality was associated with greater housing cost burdens among the poorest 20% of households. Household income at the 95th percentile of the income distribution correlated positively with housing costs at the bottom 20% of the rental market. These findings suggest that housing markets are more responsive to the demand for rental housing among higher income households than to the housing needs of lower income households. . Retrieved from City and metropolitan inequality on the rise, driven by declining incomes Berube, A., & Holmes, N. (2016). http://www.brookings.edu/research/papers/2016/01/14-income-inequality-cities-update-berube- 4 . holmes 3 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

10 Growth in the supply of low cost rental units FIGURE 2: RENTS REMAIN OUT OF REACH FOR MANY RENTERS has not kept pace with the significant growth in demand. Between 2003 and 2013, the number of Rent Af for dable to a Household R elying on SSI low cost units renting for less than $400 increased $220 by 10%, but the number of renter households ull- Rent Af for Time dable to a Household with One F 8 The in need of these units increased by 40%. Work eder al Minimum W age er Earning the F $377 nation’s 10.4 million ELI renter households Af for Rent dable to an Extremely Low currently face a shortage of 7.2 million affordable $507 Income Household (30% AMI) and available rental units, leaving 31 affordable and available units for every 100 ELI renter oom FMR 2016 One-Bedr $850 9 Unable to find affordable homes, households. seventy-five percent of ELI renter households are oom FMR wo-Bedr 2016 T 056 $1, now severely cost burdened, spending more than 10 half of their income on rent and utilities. This burden makes it difficult to afford other basic necessities like healthy food and medication and The declining inflation-adjusted value of the of four with two children, assuming full-time to save for financial emergencies. Severe cost employment. In 2015, the minimum wage under federal minimum wage contributes to wage burden is a risk factor for housing instability and 5 inequality and the housing affordability challenges this legislation would be $13.29. homelessness, which exacerbates the financial faced by low wage workers. Local, state, and and psychological stress within a family. Very national efforts to increase the minimum wage are Rising Rents and the low income (VLI) renter households earning no critical, but on their own will not completely close more than 50% of their area median income face Inadequate Supply of the housing affordability gap. At least twenty- a similar shortage of 57 affordable and available two local jurisdictions now have a minimum Affordable Housing 11 units for every 100 VLI renter households. wage higher than their prevailing state or federal The demand for rental housing is at its highest level. All fall short of the one-bedroom and two- Absent public subsidy, the private market does 6 level since the 1960s. In the past decade bedroom Housing Wage (Table 1). Minimum wage little to produce new rental housing affordable alone, the U.S. has added nine million renter to the lowest income households. The rent these legislation introduced in Congress also falls short. households, but only 8.2 million rental housing households can afford to pay often does not cover The Pay Workers a Living Wage Act (S.1832 / units to its housing stock. Vacancy rates are at debt service on the capital costs of development H.R. 3164) would raise the minimum wage to $15 their lowest levels since 1985 and rents have risen an hour, $1.35 and $5.30 short of the national and other operating expenses. Because of high at an annual rate of 3.5%, the fastest pace in three one-bedroom and two-bedroom Housing Wage. A 7 decades. separate bill, the Original Living Wage Act (H.R. Ibid. 8 9 Affordable and available homes are affordable to a particular 122), would set the federal minimum wage at income group and either vacant or occupied by a household of 115% of the federal poverty threshold for a family that income group. 6 Joint Center for Housing Studies of Harvard University. (2015). America’s rental housing: Expanding options for diverse and growing National Low Income Housing Coalition. (2016). The gap: The 10 Economic Policy Institute (2015). 5 A stagnating minimum wage demand . Cambridge, MA: Author. http://www.jchs.harvard. . Washington, DC: Author. affordable housing gap analysis 2016 has left low-wage workers facing a longer climb to reach the middle Retrieved from http://nlihc.org/sites/default/files/Gap-Report_ edu/sites/jchs.harvard.edu/files/ctools/css/americas_rental_ . Washington DC: Author. Retrieved from: http://www.epi. class . housing_2015_web.pdf print.pdf . org/publication/a-stagnating-minimum-wage-has-left-low-wage- 7 Ibid. workers-facing-a-longer-climb-to-reach-the-middle-class 11 Ibid. 4 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

11 Mac. Sixty-five percent of this revenue is directed to the HTF and 35% is development costs, developers target new rental units to the upper end of the rental market where rents are higher. directed to the Capital Magnet Fund (CMF). Ideally, a dedicated revenue source means that HTF funds supplement rather than compete with existing Nearly three-quarters of the rental housing occupied by households in the housing programs funded through annual appropriations. bottom three-fifths of the U.S. income distribution is the result of downward filtering of housing units as they become older and less desirable relative to The HTF can capture additional revenue to meet the housing needs of the 12 Older housing of adequate quality however rarely becomes new housing. nation’s lowest income renters. A number of revenue sources have been cheap enough for ELI renters. In high demand housing markets, owners have proposed, including expanding the contributions of Fannie Mae and Freddie Mac. An effort to reform the two GSEs voted out of the Senate Committee an incentive to upgrade their units for higher rents. In weak markets, owners have an incentive to no longer maintain their property on Banking, Housing, and Urban Affairs (S. 1217) on a bipartisan 13 when rent revenue does not cover operating costs. basis would have resulted in $3.5 billion a year for the HTF. To date, three of four housing finance reform bills have included language to preserve and expand a dedicated The Housing Trust Fund stream of revenue for the HTF. In addition to raising the minimum wage, public THE HOUSING Ranking Member of the House Committee on investments in housing programs are essential to THE FIRST TRUST FUND IS Financial Services, Maxine Waters (D-CA), address the shortage of rental housing affordable introduced legislation on March 23, 2016 NEW FEDERAL HOUSING and available to ELI and VLI households. One to provide $1 billion annually in mandatory new and promising tool for addressing this PROGRAM spending in perpetuity to the HTF. The Ending shortage is the national Housing Trust Fund IN A GENERATION Homelessness Act of 2016 (H.R. 4888) also (HTF). TO FOCUS ON ELI includes $50 million per year in project based rental The HTF is the first new federal housing program assistance for HTF units, an additional $5 billion HOUSEHOLDS . in a generation to focus on ELI households. It for permanent supportive housing targeted to the will receive a first time allocation of nearly $173.6 chronically homeless, $2.5 billion for vouchers targeted million in the summer of 2016 for distribution to the to homeless families and individuals, and $500 million 50 states and the District of Columbia. At least 90% of for outreach to the homeless. The bill has been referred to the HTF funds must be used to build, preserve, or rehabilitate House Committee on Financial Services and the House Committee 14 rental housing affordable to ELI and VLI households. A maximum of on the Budget. ten percent of HTF funds can be used for affordable homeownership activities. NLIHC’s United for Homes campaign proposes modest mortgage interest At least 75% of funds must benefit ELI households, and up to 25% can benefit deduction (MID) reform to generate approximately $213 billion in revenue VLI households. While the HTF is capitalized under $1 billion, all funds must benefit ELI households. The HTF is funded through a dedicated source of revenue outside of the annual appropriations process. The dedicated revenue source is a 4.2 basis National Low Income Housing Coalition (2014). “Committee approves housing finance reform 13 measure.” Memo to Members, May 16, 2014. http://www.nlihc.org/article/committee-approves- point (0.042%) assessment on the new business of Fannie Mae and Freddie housing-finance-reform-measure . 14 National Low Income Housing Coalition. (2016). “Representative Waters Introduces Bill to End 12 http:// Homelessness, Funds NHTF at $1.05 Billion Annually.” Member to Members, March 28, 2016. . New York, NY: The measurement of rent inflation McCarthy, J., Peach, R., & Ploenzke, M. (2015). www.nlihc.org/article/representative-waters-introduces-bill-end-homelessness-funds-nhtf-105-billion- Federal Reserve Bank of New York. https://www.newyorkfed.org/medialibrary/media/research/staff_ . annually . reports/sr425.pdf 5 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

12 15 Appendix A The over 10 years for the HTF. Administration. See for a detailed explanation of data sources and campaign proposes reducing methodologies. the mortgage amount eligible LOW INCOME The Housing Wage is based on HUD FMRs, which are the Department’s for the interest deduction best estimate of what a household seeking a modest rental unit can expect RENTERS FACE THE from $1 million to to pay for rent and utilities in the current market. The FMR is an estimate . GREATEST CHALLENGE $500,000 and converting of what a family moving today can expect to pay for a modest rental home, the deduction to a 15% HIGHER WAGES AND not what current renters are paying on average. The FMR is the basis for non-refundable tax credit. the rent payment standard for Housing Choice Vouchers and other HUD A GREATER SUPPLY OF Representative Keith programs. They are applied uniformly within each FMR area, which is either AFFORDABLE RENTAL Ellison (D-MN) introduced 17 This approach fails to a metropolitan region or nonmetropolitan county. the Common Sense Housing ARE HOUSING account for rent variation within an FMR area. Investment Act of 2015 NECESSARY . HUD has developed hypothetical small area fair market rents (H.R. 1662) on March 26, (SAFMRs) based on U.S. Postal Service ZIP codes in 2015 that includes these two 16 metropolitan areas to better reflect small-scale The bill directs MID provisions. market conditions within metropolitan regions. sixty percent of the reform’s savings to HUD asked for comments on using SAFRMs the HTF and the remainder to the Public for Housing Choice Voucher payment Housing Capital Fund, the Section 8 program, and standards in certain metropolitan areas the Low Income Housing Tax Credit (LIHTC). last summer and sent a proposed rule to the Office of Management Conclusion and Budget (OMB) on February highlights the affordability gap between the cost of rental Out of Reach 2016 9, 2016. OMB is reviewing housing and the wages of millions of renters who do not earn enough to afford the rule. NLIHC has long a decent and safe home without significant sacrifice. Low income renters face supported SAFMRs within the greatest challenge. Higher wages and a greater supply of affordable rental the voucher program. housing are necessary. If we make further gains in minimum wage legislation NLIHC is examining and expand funding for the national Housing Trust Fund, we can address the SAFMRs as a tool to affordability gap. estimate the Housing Wage at a more local scale The Numbers in this Report within metropolitan areas. Table 2 compares the is based on data from HUD, the U.S. Census Bureau, the Out of Reach 2016 Housing Wage for the San Bureau of Labor Statistics, the Department of Labor, and the Social Security Francisco HUD Metro FMR 15 Options to reform the deduction for home mortgage interest. Lu, C., Rosenberg, J., & Toder, E. (2015). Washington, DC: Tax Policy Center http://www.urban.org/research/publication/options- . Retrieved from . reform-deduction-home-mortgage-interest-1 17 Exceptions are the Dallas, TX HMFA and five public housing authorities National Low Income Housing Coalition. (2016). “Representative Ellison’s “Dear Colleague” Letter on 16 http://www.nlihc.org/article/ Ending Family Homelessness.” Memo to Members, February 29, 2016. participating in the Small Area FMR . Demonstration Program. representative-ellison-s-dear-colleague-letter-ending-family-homelessness 6 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

13 Area (HMFA) to the housing wage for places within the San Francisco HMFA. TABLE 2: SAMPLE HOUSING WAGES IN THE SAN NLIHC is exploring how best to use SAFMRs within metropolitan regions to FRANCISCO HMFA reflect local area housing wages. Out of Readers are cautioned against comparing statistics in one edition of Two-Bedroom One-Bedroom HMFA/Place Reach with those in another. In recent years, HUD has changed its methodology Housing Wage Housing Wage for calculating FMRs and incomes. Since 2012, HUD has developed FMR estimates using American Community Survey (ACS) data to determine base $44.02 $34.88 San Francisco HMFA rents, rather than data from the Census Bureau’s Decennial Survey. The new San Francisco City $29.40 $36.03 methodology can introduce more year-to-year variability in FMRs. For this reason and others (e.g., changes to the metropolitan area definitions), readers $42.12 $34.42 Menlo Park City should not compare this year’s report to previous editions of Out of Reach and assume that all differences reflect actual market dynamics. $41.15 Foster City $50.58 Please consult the appendices and NLIHC research staff for assistance interpreting changes in the data. 7 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

14 USER'S GUIDE HOW TO USE THE NUMBERS holds Renter house ll resent rep ed 36% of a r a fa mily I, Fo 100% o f AM earning in the Un seholds hou it ed rent monthly less is of $1,690 or imated mean The est States (20 2014). 10- affordable . in the er w age (average) rent United St ates i s $15.42 per A renter hou sehold needs hour (2016). 847 ere 41,802, There w The annu al median family to earn a per st $20.30 t lea the renter ho us eholds in ited income (AM I) in the Un a rder to afford r in o hou United Sta tes (2010- 2014 ). States is $67,593 (2016). room unit at FMR. two-bed R H OUSEH FY16 HO US ING INCOME MEDIAN AREA OLDS (AMI) RENTE WAGE HOUSING COST S Monthly Full- tim e ren t Monthly jobs Full- time t jobs a Estimat rent ed Monthly affo rdable rent at minimum Ann ual income mean ren ter hourly affo rdable 3 30% 0% at 3 rdab le affo Ann ual wage 2 BR nee ded t o age o afford nee needed t w ded t Hourly o nee ded t wage o Renter at mea n ter mean ren % o f to tal 5 4 6 2 1 of AMI of A MI at AMI AM I afford 2 FMR B R FMR rd 2 BR FMR 2 BR affo FMR rd 2 BR F MR affo wage s renter sehold hou wage hou s sehold 41,802,847 $15.42 36% $20,278 $20.30 $67,593 $1, 690 $507 1.3 $802 $1,056 2.8 $42,240 STATES UNITED In the U nited Sta te s, an MR The F for a income low extremely two-be droom rental unit in I) earn family (30% o f AM s Sta tes i s $1,056 the United . annually $20,278 (2016). al incom househ old needs an annu A renter e of ld e the mean If a househo arns two-bedroom rental in order to afford a ,240 $42 of AMI, For a family earning 30% rent o r wage, monthly rente f . unit at F MR t of $507 ren monthly or less is r le ss is afford able. $802 o rdable . affo 2.8 A renter househ old needs bs useh old needs 1.3 ho A renter full-time jo full-ti me ing the mi nimum jobs pay ter w age in or der to in g the mean ren pay wage in orde r to affor d a m rental unit a two-bedroo afford a t FMR. two-bedroom ren tal unit R. a t FM BR = Bedroom. 1: e ncom Median I Area r 2016 Yea AMI = Fiscal 4: 2016). (HUD, l Year 2016 Fair Market Re nt (HUD, 2016). 2: FMR = Fisca 5: of st andard ed y accept generall t he s represent " rent "Affordable ing spend utilities. and e on rent incom gross of e tha n 30% mor no federal um Thi s calculation uses the higher of the state or 3: minim A. Appendix See used. ar e not wages Lo cal minimum wage. • 8 OUT OF REACH 2016 NATIONAL LOW INCOME HOUSING COALITION

15 USER'S GUIDE USER'S GUIDE WHERE THE NUMBERS COME FROM f re nter househ olds Divi de n umber o ted by the age repor Average w Annual AM get Mult iply I by .3 to maximum by tota l nu mber of househ olds ics La bor Statist Bur eau of housing for it n be spent on amoun t that ca 2010-2014) ( (ACS 41 2,847 / ,80 to (BL S) fo r 2014, adjusted e affordable to b ($67,593 x .3 = $20,278). 45 117, 2,309 = .36 b y ).Then m ultiply ref f rent ome o inc lect the er e by 12 to nt nt hly a mou Divid obtain mo = 36%). 100 (.3 6 x 100 hou re lative to all seholds $1,690). 12 = ($2 0,278 / ded to e in come nee Divid hou seholds in the Un it ed MR ($42,240 rd F ) b y 5 2 affo ian HUD F d med Y16 estimate cted to 2016. pr oje St ates, and (weeks per y t hen ear) and family incom e based on data A. See Appendix (20 10-201 ACS 4). work w eek) urs per by 40 (ho ty from the American Communi / ($4 2,240 / 52 = $812; $812 Survey (ACS). See Appendix A $20.30). 40 = S INCOME FY16 HO US ING WAGE MEDIAN AREA OLDS R H OUSEH (AMI) RENTE HOUSING COST Monthly e Full- tim t ren Monthly Estimat ed jobs a t Monthly rent Full- time jobs rdable affo rent hourly mean ren ter affo rdable at minimum Ann ual income 3 30% at 3 0% rdab le affo % o f to tal Renter ter mean ren wage o ded t nee at mea n Ann ual wage 2 BR o ded t nee age nee ded t o needed t Hourly o afford w 6 5 4 1 2 of AMI of A MI at AMI hou sehold s wage sehold s hou rd 2 BR F MR affo wage renter I AM FMR afford 2 B R FMR rd 2 affo BR 2 BR FMR FMR $1, $20,278 690 $67,593 $507 $20.30 1.3 $802 $1,056 2.8 $42,240 36% 41,802,847 $15.42 STATES UNITED Devel oped b y H UD Annual Multiply . 3 AMI by e annual incom Calculat e b y ann ually (2016). See ($6 278). . 3 = $20, 7,857 x multiply 40 wage by mean renter ing endix A. App er week) a per nd 52 (weeks (hours p 52 = 40 x 42 x $15. year) ( . $32,073) um Multiply maxim b y .3 to determine t Multip ly the FMR b y 12 t o g et y early rental cos I by .3 to nual AM get An 30% of Mult iply amoun spent on ren t t t hat can be ($1,056 y .3 t o $12,672). Then divide b x 12 = on nt that can max imum amou pent be s ($32,073 x .3 = $9,622) . Divide b y the to rmine dete tal inc neede ome rd d to a ffo ble ($20,278 sing for i hou t t o be afforda a mount ($9,622/ 12 to o bta in monthly rent ($12,672 ear in per y $12,660 $42, / .3 = 240 ). to obtain . Divide b x .3 = $6,083) y 12 12=$802) mont ($6,083/ 1 hly amount 2 = $507). Divide in the to afford ded come nee y 52 (weeks FMR b per year) / 52 = Then divide ($42,200 $812). Divid ord the FMR b y e in come nee ded to aff minimum by $7.25 (the Federal weeks per y ear) ($42,240 52 ( / 52 = $812). wage ) ( $812 / $7.25 = 112 hours). Then divide b 42 (The U nit ed States' y $15. Finally , d ivide by 40 (ho r urs pe 53 $ 15.42 = age) ($812 / ter w mean ren work week (112 / 40=2.8 hou ork rs). Finally rs per w , divide by 40 (hou full-time jobs). 1. 3 full-time jo week) (53/ 40 = bs ). 1: = Bedroom. BR Yea 2016). e (HUD, ncom Median I Area r 2016 AMI = Fiscal 4: Market Re nt (HUD, 2016). l Year 2: 2016 Fair FMR = Fisca "Affordable of st andard ed y accept generall t he s represent " rent 5: of mor and e on rent incom gross utilities. e tha n 30% spend ing no or of higher the state uses Thi s calculation um 3: federal minim the wage. Lo cal minimum ar e not used. See Appendix A. wages OUT OF REACH 2016 • 9 NATIONAL LOW INCOME HOUSING COALITION

16 TABLES & MAPS 2016 MOST EXPENSIVE JURISDICTIONS Housing Wage for Housing Wage for 2 1 States Counties Two-Bedroom FMR Two-Bedroom FMR Hawaii $34.22 Marin County, CA $44.02 District of Columbia $31.21 San Francisco County, CA $44.02 $28.59 California $44.02 San Mateo County, CA New York Alameda County, CA $40.44 $26.69 Maryland $26.53 Contra Costa County, CA $40.44 New Jersey $26.52 Santa Clara County, CA $38.35 Massachusetts $25.91 Honolulu County, HI $38.17 Connecticut $24.72 Orange County, CA $32.15 $31.96 Pitkin County, CO Alaska $23.25 $23.13 Washington Housing Wage for Housing Wage for Combined Nonmetro Areas Metropolitan Areas Two-Bedroom FMR Two-Bedroom FMR 3 $44.02 San Francisco, CA HMFA Massachusetts $27.41 Oakland-Fremont, CA HMFA $40.44 Hawaii $23.19 $21.61 Alaska San Jose-Sunnyvale-Santa Clara, CA HMFA $38.35 4 Connecticut $38.17 $19.93 Honolulu, HI MSA California $18.98 $37.15 Stamford-Norwalk, CT HMFA Danbury, CT HMFA $34.13 New Hampshire $18.71 Orange County, CA HMFA $32.15 Vermont $18.27 Washington-Arlington-Alexandria, DC-VA-MD HMFA $31.21 Colorado $17.29 Maryland Nassau-Suffolk, NY HMFA $30.92 $16.86 Santa Cruz-Watsonville, CA MSA North Dakota $16.17 $30.85 1 Includes District of Columbia. 2 Excludes metropolitan counties in New England. 3 HMFA = HUD Metro Fair Market Rent (FMR) Area. This term indicates that a portion of the Office of Management & Budget (OMB) defined core-based statistical is in the area to which the income limits and FMRs apply. HUD is required by OMB to alter the name of the metropolitan geographic entities it derives from the Core Based Statistical Area (CBSA) when the geography is 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. A metro area contains an urban core of 50,000 or more in population. 10 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

17 TABLES & MAPS TABLES & MAPS 2016 STATES RANKED BY TWO-BEDROOM HOUSING WAGE States are ranked from most expensive to least expensive. Housing Wage for Housing Wage for State Rank Rank State Two-Bedroom FMR Two-Bedroom FMR 1 Hawaii $34.22 27 Georgia $16.30 District of Columbia $31.21 28 New Mexico $16.06 2 California 29 Wisconsin $15.92 $28.59 3 $15.81 $26.69 30 Louisiana 4 New York 5 Maryland $26.53 31 North Dakota $15.66 6 New Jersey 32 Michigan $15.62 $26.52 7 $25.91 33 Wyoming $15.62 Massachusetts 8 Connecticut $24.72 34 North Carolina $15.32 9 $23.25 35 Kansas $15.01 Alaska $14.99 Washington $23.13 36 Tennessee 10 $14.98 11 Virginia $22.44 37 Missouri Delaware $21.70 $14.84 Indiana 38 12 13 Vermont 39 South Carolina $14.84 $21.13 Colorado Montana 40 14 $14.60 $21.12 15 $21.09 41 Ohio $14.45 New Hampshire 16 Illinois $19.98 42 Nebraska $14.45 17 $19.96 43 Oklahoma $14.33 Florida 18 Oregon $19.38 44 Idaho $14.22 45 Rhode Island $19.06 19 Kentucky $14.10 20 Pennsylvania 46 Mississippi $14.07 $18.27 Nevada Iowa 47 21 $14.03 $18.26 22 $17.76 48 Alabama $13.93 Minnesota 23 Texas $17.60 49 South Dakota $13.77 24 $17.18 50 Arkansas $13.26 Arizona $13.17 Maine $17.04 51 West Virginia 25 $16.32 Utah 52 Puerto Rico $9.58 26 1 Includes District of Columbia and Puerto Rico. 2 FMR = Fair Market Rent. 11 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

18 TABLES & MAPS 2016 TWO-BEDROOM RENTAL UNIT HOUSING WAGE 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 two-bedroom rental unit, without paying more than 30% of their income. WA $23.13 ME MT $17.04 ND $14.60 MN $15.66 OR $17.76 $19.38 ID WI NY VT $21.13 SD $14.22 $15.52 $26.69 NH $21.09 MI WY $13.77 $15.62 $15.62 MA $25.91 PA CT $24.72 IA NE $18.27 $14.03 RI $19.06 OH $14.45 NV IL $14.13 IN $18.26 NJ $26.52 UT $19.98 $14.84 WV CO DE $21.70 $16.32 VA CA $13.17 MD $26.53 $21.12 KS MO KY $22.44 $28.59 DC $31.21 $15.01 $14.98 $14.10 NC TN $15.32 AZ $14.99 NM OK AR SC $17.18 $16.06 $14.33 $13.26 $14.84 MS AL GA $14.07 $13.93 $16.30 LA TX $15.81 $17.60 AK $23.25 FL $19.96 PR $9.58 HI $34.22 Two-Bedroom Housing Wage Less than $15.00 $15.00 to less than $20.00 $20.00 or More OUT OF REACH 2016 12 • NATIONAL LOW INCOME HOUSING COALITION

19 TABLES & MAPS TABLES & MAPS 2016 HOURS AT MINIMUM WAGE NEEDED TO AFFORD RENT rental unit at the average Fair Market Rent, working a standard ONE-BEDROOM In no state can a minimum wage worker afford a 40-hour work week, without paying more than 30% of their income. WA 78* ME MT ND 73* MN 57* 67 OR 62* 68* ID NY VT 69* SD WI 61 101* 50* NH 91 69 WY MI 67 MA 83* 57* PA RI 65* IA NE 81 60 CT 82* 50* NV OH IL 71* 55* IN NJ 105* UT 81* WV 65 CO DE 86* 73 VA 49* CA MD 106* 80* KS MO 105 KY 89* DC 103* 64 61* 61 NC TN 70 AZ OK 67 NM AR SC 68* 61 69* 52* 68 AL MS GA 63 64 76 LA TX 71 78 AK 75* FL 79* PR 44 HI 124* Hours needed at minimum wage to afford a one-bedroom unit 60 hours per week or less 61 to 78 hours per week 79 hours per week or more *This state’s minimum wage exceeds the federal minimum wage 13 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

20 TABLES & MAPS STATE SUMMARY FY16 HOUSING COSTS RENTER HOUSEHOLDS HOUSING AREA MEDIAN INCOME (AMI) WAGE Full-time jobs Full-time jobs at Estimated Hourly wage Monthly rent 3 Monthly rent minimum wage needed to hourly mean affordable at Annual income at mean renter % of total Monthly rent Renter 1 needed to Afford wage needed to households afford 2 BR needed to afford renter wage households affordable at mean renter affordable at 2 4 5 (2010-2014) AMI FMR 30% of AMI (2016) 2 BR FMR 2 BR FMR 30% AMI Annual AMI State (2010-2014) 2 BR FMR afford 2 BR FMR wage $567,978 $13.93 1.90 $56,631 $1,416 $16,989 $425 $28,973 31% $11.64 $605 1.2 $724 Alabama $23.25 $1,209 $48,359 2.40 $86,917 $2,173 $26,075 $652 $92,263 37% $17.76 $924 1.3 Alaska $446 $17.18 $35,726 2.10 $59,520 $1,488 $17,856 $893 $873,952 37% $15.28 $794 1.1 Arizona $13.26 $15,944 $689 $27,572 1.70 $53,147 $1,329 Arkansas $399 $378,868 33% $11.96 $622 1.1 California $28.59 $59,464 2.90 $72,682 $1,817 $21,805 $545 $5,708,355 45% $19.22 $999 1.5 $1,487 $21.12 $565 $43,939 2.50 $75,294 $1,882 $22,588 Colorado $703,266 35% $15.97 $830 1.3 $1,098 $671 Connecticut $51,420 2.60 $89,400 $2,235 $26,820 $1,285 $443,163 33% $16.21 $843 1.5 $24.72 Delaware $21.70 $1,128 $45,138 2.60 $72,989 $1,825 $21,897 $547 $96,186 28% $16.03 $834 1.4 $815 District of Columbia $64,920 3.00 $108,600 $2,715 $32,580 $1,623 $156,217 58% $26.09 $1,357 1.2 $31.21 1.4 $19.96 $1,038 $41,527 2.50 $57,685 $1,442 $17,305 $433 $2,444,564 34% $14.49 $754 Florida 1.1 Georgia $16.30 $848 $33,908 2.20 $59,981 $1,500 $17,994 $450 $1,268,689 36% $14.58 $758 Hawaii 4.00 2.4 $755 $14.53 43% $34.22 $1,780 $71,184 $82,123 $2,053 $24,637 $616 $192,984 Idaho $14.22 $29,580 2.00 $58,582 $1,465 $17,575 $439 $180,278 31% $11.23 $584 1.3 $739 $19.98 $544 $41,567 2.40 $72,547 $1,814 $21,764 Illinois $1,583,926 33% $15.25 $793 1.3 $1,039 $457 Indiana $30,868 2.00 $60,980 $1,524 $18,294 $772 $761,229 31% $12.15 $632 1.2 $14.84 Iowa $14.03 $730 $29,183 1.90 $68,743 $1,719 $20,623 $516 $347,244 28% $11.29 $587 1.2 $485 Kansas $31,221 2.10 $64,691 $1,617 $19,407 $781 $365,546 33% $12.42 $646 1.2 $15.01 Kentucky $14.10 $733 $29,319 1.90 $57,445 $1,436 $17,233 $431 $550,223 32% $11.46 $596 1.2 $17,476 Louisiana $822 $32,891 2.20 $58,254 $1,456 $15.81 $437 $579,120 34% $13.46 $700 1.2 Maine $17.04 $886 $35,453 2.30 $63,145 $1,579 $18,944 $474 $157,971 29% $10.36 $539 1.6 Maryland $26.53 $55,183 3.20 $93,193 $2,330 $27,958 $699 $710,103 33% $15.91 $827 1.7 $1,380 $25.91 $660 $53,886 2.60 $88,037 $2,201 $26,411 Massachusetts $957,547 38% $18.47 $960 1.4 $1,347 $478 Michigan $32,494 1.80 $63,683 $1,592 $19,105 $812 $1,089,868 28% $12.72 $662 1.2 $15.62 Minnesota $17.76 $924 $36,941 2.00 $77,878 $1,947 $23,364 $584 $590,136 28% $13.32 $692 1.3 $369 Mississippi $29,268 1.90 $49,227 $1,231 $14,768 $732 $339,802 31% $10.64 $553 1.3 $14.07 1.2 $14.98 $779 $31,158 2.00 $62,790 $1,570 $18,837 $471 $756,950 32% $12.74 $662 Missouri AMI = Fiscal Year 2016 Area Median Income (HUD, 2015). BR = Bedroom. 1: 4: “Affordable” rents represent the generally accepted standard of spending no more than 30% 5: 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016). 3: of gross income on rent and utilities. This calculation uses the higher of the state or federal minimum wage. Local minimumwages are not used. See Appendix A . 14 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

21 TABLES & MAPS TABLES & MAPS STATE SUMMARY FY16 HOUSING HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS WAGE Hourly wage Full-time jobs Monthly rent Estimated Full-time jobs at 3 Annual income needed to Monthly rent at mean renter Monthly rent minimum wage Renter % of total affordable at hourly mean 1 affordable at wage needed to households mean renter households affordable at needed to Afford renter wage afford 2 BR needed to afford 5 4 2 (2010-2014) 30% of AMI Annual AMI 2 BR FMR (2016) 30% AMI FMR 2 BR FMR wage State (2010-2014) AMI afford 2 BR FMR 2 BR FMR Montana $14.60 $30,361 1.80 $61,427 $1,536 $18,428 $461 $131,596 32% $11.23 $584 1.3 $759 $14.45 $501 $30,058 1.60 $66,857 $1,671 $20,057 Nebraska $245,311 34% $11.59 $603 1.2 $751 $461 Nevada $37,987 2.20 $61,463 $1,537 $18,439 $950 $446,047 44% $15.34 $798 1.2 $18.26 New Hampshire $21.09 $1,097 $43,865 2.90 $78,912 $1,973 $23,673 $592 $150,420 29% $14.08 $732 1.5 New Jersey $26.52 $55,152 3.20 $86,994 $2,175 $26,098 $652 $1,114,583 35% $16.98 $883 1.6 $1,379 $16.06 $427 $33,404 2.10 $56,979 $1,424 $17,094 New Mexico $243,406 32% $12.53 $652 1.3 $835 $558 New York $55,508 3.00 $74,427 $1,861 $22,328 $1,388 $3,348,537 46% $22.85 $1,188 1.2 $26.69 North Carolina $15.32 $796 $31,859 2.10 $59,375 $1,484 $17,813 $445 $1,280,773 34% $13.21 $687 1.2 $552 North Dakota $32,565 2.20 $73,664 $1,842 $22,099 $814 $101,996 35% $15.22 $792 1.0 $15.66 Ohio $14.45 $751 $30,060 1.80 $63,229 $1,581 $18,969 $474 $1,513,809 33% $12.17 $633 1.2 $17,576 Oklahoma $745 $29,796 2.00 $58,586 $1,465 $14.33 $439 $485,544 33% $13.43 $698 1.1 38% $586,182 $64,014 1.4 $721 $13.87 Oregon $19.38 $1,008 $40,318 2.10 $480 $1,600 $19,204 Pennsylvania $18.27 $38,000 2.50 $70,326 $1,758 $21,098 $527 $1,511,506 30% $13.80 $718 1.3 $950 $9.58 $178 $19,930 1.30 $23,775 $594 $7,133 Puerto Rico $379,256 31% $6.91 $359 1.4 $498 $554 Rhode Island $39,639 2.00 $73,931 $1,848 $22,179 $991 $162,740 40% $12.59 $655 1.5 $19.06 South Carolina $14.84 $772 $30,860 2.00 $57,558 $1,439 $17,267 $432 $563,561 31% $11.53 $599 1.3 $486 South Dakota $28,631 1.60 $64,740 $1,619 $19,422 $716 $104,512 32% $10.88 $566 1.3 $13.77 Tennessee $14.99 $779 $31,175 2.10 $57,600 $1,440 $17,280 $432 $817,396 33% $12.96 $674 1.2 $19,308 Texas $915 $36,611 2.40 $64,360 $1,609 $17.60 $483 $3,361,040 37% $17.07 $887 1.0 $20,981 Utah $16.32 $849 $33,944 $69,938 $1,748 2.30 $525 $271,589 30% $12.39 $644 1.3 Vermont $21.13 $43,947 2.20 $71,642 $1,791 $21,493 $537 $74,835 29% $11.79 $613 1.8 $1,099 $22.44 $591 $46,675 3.10 $78,798 $1,970 $23,639 Virginia $1,013,466 33% $16.45 $856 1.4 $1,167 $570 Washington $48,119 2.40 $75,979 $1,899 $22,794 $1,203 $986,856 37% $16.69 $868 1.4 $23.13 West Virginia $13.17 $685 $27,390 1.50 $54,658 $1,366 $16,397 $410 $200,752 27% $10.62 $552 1.2 $512 Wisconsin $33,115 2.20 $68,241 $1,706 $20,472 $828 $741,481 32% $12.07 $627 1.3 $15.92 Wyoming $15.62 $812 $32,489 2.20 $74,359 $1,859 $22,308 $558 $69,225 31% $14.28 $743 1.1 1: BR = Bedroom. 4: AMI = Fiscal Year 2016 Area Median Income (HUD, 2015). 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016). “Affordable” rents represent the generally accepted standard of spending no more than 30% 5: This calculation uses the higher of the state or federal minimum wage. Local minimumwages of gross income on rent and utilities. 3: . are not used. See Appendix A 15 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

22 ALABAMA S TAT E . In order to $724 In Alabama, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * annually. Assuming a 40-hour work week, $28,973 monthly or $2,414 a household must earn 48 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $13.93 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $7.25 Baldwin County $16.79 $11.64 Average Renter Wage $16.15 Bibb County $13.93 Blount County $16.15 2-Bedroom Housing Wage 567,978 Jefferson County $16.15 Number of Renter Households Percent Renters 31% Shelby County (tied with 1 other) $16.15 Two bedroom FMR $724 77 Rent affordable at area median income (AMI) $1,416 Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $605 renter wage ––––––––––––– $425 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 1.9 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,500 $1,000 $2,000 $0 $500 Ranked from Highest to Lowest 2-Bedroom Housing Wage * NATIONAL LOW INCOME HOUSING COALITION 16 • OUT OF REACH 2016

23 Alabama RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage An nual income Full-t ime jobs at Estimated Full-time jobs at rent rent nece ssary to needed mean renter minimum wage hourly mean Monthly rent % of total Renter affordable affordable 1 afford 2 BR fford to a 30% nual An 2 BR eeded to wage n needed to a fford renter wage households affordable households at 30% at mean 3 5 2 4 2 BR FMR of AMI AMI FMR afford 2 BR FMR 2 BR FMR (2016) 2014) (2010- 2014) (2010- at AMI of AMI renter wage Alabama 31% $724 $28,973 $56,631 567,978 $425 $605 1.2 $16,989 $11.64 $13.93 $1,416 1.9 Combined Nonmetro Areas 1.1 1.5 29% $23,338 $583 $516 $9.92 $11.22 $1,166 $46,625 $13,987 $350 127,481 Metropolitan Areas Anniston-Oxford MSA $46,700 14,271 $350 $1,168 $637 $25,480 31% $14,010 $12.25 $8.78 1.7 1.4 $457 $8.03 Auburn-Opelika MSA $1,520 $748 $29,920 40% $18,240 $14.38 $456 2.0 1.8 $418 22,440 $60,800 Birmingham-Hoover HMFA $840 $33,600 31% $19,200 $16.15 $14.17 2.2 1.1 $737 121,830 $64,000 $480 $1,600 Chilton County HMFA 4,011 $10.94 $10.05 1.5 1.1 $523 25% $1,338 $401 $569 $16,050 $53,500 $22,760 Columbus MSA $15,540 $14.94 $12.93 2.1 1.2 $672 8,932 $51,800 $389 $1,295 $777 $31,080 41% 29% $18,330 $10.62 2.3 1.6 $552 20,855 Daphne-Fairhope-Foley MSA $61,100 $458 $1,528 $873 $34,920 $16.79 $25,280 $12.12 1.0 $630 15,741 $16,860 27% 1.7 $632 $1,405 $422 $56,200 $12.15 Decatur MSA $12.44 $11.21 1.7 1.1 $583 16,874 34% $51,300 $385 $1,283 $647 $25,880 Dothan HMFA $15,390 Florence-Muscle Shoals MSA $9.28 18,171 $16,260 30% $24,760 $619 $1,355 $407 $54,200 $11.90 $483 1.6 1.3 Gadsden MSA $503 $9.68 $12.23 1.7 $15,360 29% $25,440 $636 11,664 $1,280 $384 $51,200 1.3 Henry County HMFA $16,860 1.0 1.5 $11.11 $11.15 $56,200 22% $23,200 $578 1,534 $580 $1,405 $422 $727 $29,080 30% $21,540 $71,800 $12.75 1.9 Huntsville MSA 1.1 $663 49,690 $1,795 $539 $13.98 $1,323 $788 $31,520 33% $15,870 $15.15 $11.31 2.1 1.3 $588 51,427 $52,900 $397 Mobile MSA 2.1 $60,400 $453 $1,510 $31,520 34% $18,120 $15.15 Montgomery MSA $788 $11.29 48,764 $587 1.3 Pickens County HMFA 1.4 2,165 $416 $569 $298 $22,760 $39,700 1.5 $8.00 $10.94 $11,910 28% $993 Tuscaloosa HMFA $15.46 $10.50 2.1 1.5 $546 25,503 $58,800 $441 $1,470 $804 $32,160 34% $17,640 Walker County HMFA $12.02 $25,000 6,625 $46,300 26% $13,890 $625 $9.65 1.7 1.2 $502 $347 $1,158 Counties $529 Autauga County $60,400 $453 $1,510 $788 $31,520 5,056 1.5 2.1 $10.17 $15.15 $18,120 25% $873 $1,528 Baldwin County $61,100 20,855 $552 1.6 2.3 $10.62 $16.79 $18,330 29% $34,920 $458 $13,380 Barbour County 2,964 $44,600 $335 $1,115 $636 $25,440 32% $423 $12.23 $8.14 1.7 1.5 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 17 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

24 Alabama HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at t ren rent essary to nec n renter mea nee ded % of total Renter Monthly rent min rly mean hou imum wage affordable affordable 1 afford 2 BR wage needed to 30% 2 BR to afford Annual hou hou seholds seholds affordable renter wage needed to afford at mean at 30% 3 5 2 4 afford 2 BR FMR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) of AMI renter wage $840 1,629 $19,200 $16.15 $13.42 $33,600 23% 2.2 $1,600 $698 $480 $64,000 1.2 Bibb County $448 $33,600 1.9 $1,600 $480 $64,000 $840 4,518 Blount County 2.2 $8.62 $16.15 $19,200 22% $22,760 $505 1,019 $46,100 $346 $1,153 $569 Bullock County 27% $13,830 $10.94 $9.71 1.5 1.1 $22,760 $10.94 $8.50 1.5 1.3 $442 $296 $39,500 30% 2,483 Butler County $988 $569 $11,850 31% Calhoun County $46,700 $350 $1,168 $637 $25,480 14,271 $14,010 $12.25 $8.78 1.7 1.4 $457 $533 Chambers County 4,570 $42,100 $316 $1,053 $667 $26,680 33% $12,630 $12.83 $10.24 1.8 1.3 $14,160 $569 $47,200 $354 $1,180 $22,760 23% 2,657 $10.94 $10.03 1.5 1.1 $522 Cherokee County $523 4,011 $53,500 $401 $1,338 $569 $22,760 25% $16,050 $10.94 $10.05 1.5 1.1 Chilton County $13.55 1.8 0.9 $704 $47,100 $353 989 Choctaw County $1,178 $26,440 18% $14,130 $12.71 $661 $350 $1,168 $569 $22,760 30% $14,010 $10.94 $9.98 1.5 1.1 $519 Clarke County 2,923 $46,700 27% $430 $44,700 $335 $1,118 $569 $22,760 1,485 $13,410 $10.94 $8.28 1.5 1.3 Clay County 1.7 Cleburne County 1,261 $47,300 $355 $1,183 $633 $25,320 22% $14,190 $12.17 $13.53 0.9 $704 $459 Coffee County 5,853 $60,500 $454 $1,513 $584 $23,360 31% $18,150 $11.23 $8.82 1.5 1.3 29% Colbert County $54,200 $407 $1,355 $619 $24,760 6,466 $16,260 $11.90 $11.86 1.6 1.0 $617 $820 Conecuh County 1,147 $32,800 $569 $22,760 23% $246 $9,840 $10.94 $8.01 1.5 1.4 $417 19% $360 836 Coosa County $1,200 $579 $23,160 $48,000 $14,400 $11.13 1.5 0.9 $651 $12.53 $45,000 $338 $1,125 $569 $22,760 24% $13,500 $10.94 $9.78 1.5 1.1 $509 Covington County 3,650 28% Crenshaw County $50,200 $377 $1,255 $569 $22,760 1,503 $15,060 $10.94 $11.58 1.5 0.9 $602 $11.62 $9.79 1.6 1.2 $509 25% Cullman County 7,659 $48,800 $366 $1,220 $604 $24,160 $14,640 $23,200 0.8 1.5 $14.41 $11.15 $17,280 39% $750 $580 $1,440 $432 $57,600 7,517 Dale County $11,730 $10.94 $9.63 1.5 1.1 $501 $569 $978 $293 $39,100 6,367 Dallas County $22,760 39% 25% DeKalb County 6,151 $14,850 $11.44 $9.50 1.6 1.2 $494 $49,500 $595 $23,800 $371 $1,238 24% Elmore County $60,400 $453 $1,510 $788 $31,520 6,984 $18,120 $15.15 $9.34 2.1 1.6 $486 $583 Escambia County 4,060 $37,500 $281 $938 $569 $22,760 30% $11,250 $10.94 $11.21 1.5 1.0 $15,360 $636 $51,200 $384 $1,280 $25,440 29% 11,664 $12.23 $9.68 1.7 1.3 $503 Etowah County $399 1,909 $45,200 $339 $1,130 $569 $22,760 27% $13,560 $10.94 $7.66 1.5 1.4 Fayette County $10.94 $9.43 1.5 1.2 $491 $1,195 3,883 Franklin County $47,800 $569 $22,760 32% $14,340 $359 $51,300 $385 $1,283 $647 $25,880 27% $15,390 $12.44 $8.07 1.7 1.5 $420 Geneva County 2,926 $10.94 $22,760 938 $32,600 $245 $815 $440 1.3 1.5 $8.46 $569 $9,780 29% Greene County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 18 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

25 Alabama HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR affordable households households renter wage needed to afford at mean at 30% 5 3 4 2 afford 2 BR FMR of AMI FMR AMI 2 BR FMR (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR of AMI renter wage $467 $58,800 $32,160 23% $441 $17,640 Hale County $15.46 $1,470 1,375 $804 1.7 2.1 $8.99 22% Henry County $56,200 $422 $1,405 $580 $23,200 1,534 $16,860 $11.15 $11.11 1.5 1.0 $578 1.1 $25,880 $647 $1,283 $385 $51,300 13,948 $597 $11.49 Houston County $12.44 $15,390 35% 1.7 $10.98 5,212 $1,215 $571 $22,840 26% $14,580 $365 $8.52 1.5 Jackson County 1.3 $443 $48,600 Jefferson County 93,700 $64,000 $480 $1,600 $840 $33,600 36% $19,200 $16.15 $14.71 2.2 1.1 $765 $495 1.2 1.5 $9.51 $10.94 $13,080 26% $22,760 $569 $1,090 $327 $43,600 1,619 Lamar County $7.40 $11.90 1.6 1.6 $385 $16,260 30% $24,760 $619 $1,355 $407 $54,200 11,705 Lauderdale County $804 1.7 Lawrence County 2,501 $56,200 $422 $1,405 $632 $25,280 19% $16,860 $12.15 $15.47 0.8 $29,920 1.8 22,440 $60,800 $456 $1,520 $748 Lee County 40% $18,240 $14.38 $8.03 2.0 $418 $21,540 $13.98 $9.99 1.9 1.4 $519 Limestone County 7,702 $71,800 $539 $1,795 $727 $29,080 24% 26% $766 $60,400 $453 $1,510 $788 $31,520 1,109 $18,120 $15.15 $14.74 2.1 1.0 Lowndes County $317 Macon County 2,755 $42,300 $1,058 $569 $22,760 34% $12,690 $10.94 $7.73 1.5 1.4 $402 $679 Madison County 41,988 $71,800 $539 $1,795 $727 $29,080 31% $21,540 $13.98 $13.05 1.9 1.1 $10.94 $14,820 2,417 $49,400 $371 $1,235 $569 $22,760 29% $9.85 1.5 1.1 $512 Marengo County $22,760 $12,840 1.3 1.5 $8.51 $10.94 25% $442 $569 $1,070 $321 $42,800 3,099 Marion County 28% $50,700 $11.13 Marshall County $15,210 $23,160 $579 $1,268 $380 $9.53 1.5 1.2 $495 9,756 33% $15,870 $15.15 $11.31 2.1 1.3 $588 Mobile County 51,427 $52,900 $397 $1,323 $788 $31,520 28% Monroe County $37,800 $284 $945 $569 $22,760 2,357 $11,340 $10.94 $8.84 1.5 1.2 $460 $15.15 $11.61 2.1 1.3 $604 40% Montgomery County $18,120 $788 $1,510 $453 $60,400 35,615 $31,520 $614 1.7 $11.81 $12.15 $16,860 29% 1.0 $632 $1,405 $422 $56,200 13,240 Morgan County $25,280 $825 $569 $22,760 32% $7.16 1.5 1.5 $372 Perry County 1,059 $33,000 $248 $9,900 $10.94 28% Pickens County $39,700 $298 $993 $569 $22,760 2,165 $11,910 $10.94 $8.00 1.5 1.4 $416 $23,360 Pike County 5,396 $47,800 $359 $1,195 $584 $497 42% $14,340 $11.23 $9.56 1.5 1.2 $569 $406 $7.81 $10.94 $13,890 29% $22,760 1.5 $1,158 $347 $46,300 2,584 Randolph County 1.4 $14.94 $15,540 $12.93 2.1 41% 1.2 $31,080 $777 $1,295 $389 $51,800 8,932 Russell County $672 $485 $19,200 St. Clair County 6,138 $64,000 $480 $1,600 $840 $33,600 19% $16.15 $9.32 2.2 1.7 $33,600 1.2 15,845 $64,000 $480 $1,600 $840 Shelby County 21% $19,200 $16.15 $13.54 2.2 $704 30% $10,950 $13.19 $9.57 1.8 1.4 $498 Sumter County 1,481 $36,500 $274 $913 $686 $27,440 $10.94 $22,760 8,940 $46,400 $348 $1,160 $629 0.9 1.5 $12.09 $569 $13,920 29% Talladega County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 19 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

26 Alabama RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Full-time jobs at Hourly wage Estimated Full-time jobs at rent rent needed % of total Renter Monthly rent nec essary to n renter mea min imum wage hourly mean affordable affordable 1 to afford Annual 2 BR hou households seholds affordable wage needed to afford 2 BR needed to afford 30% renter wage at mean at 30% 4 3 5 2 2 BR FMR I AM FMR (2010-2014) (2010-2014) at AMI FMR afford 2 BR (2016) of AMI 2 BR FMR renter wage of AMI $48,100 $361 $1,203 $569 $22,760 29% $14,430 $10.94 $8.64 1.5 1.3 Tallapoosa County $449 4,823 $1,470 2.1 $15.46 $17,640 35% $32,160 $804 $10.54 $441 $548 $58,800 24,128 Tuscaloosa County 1.5 $9.65 $12.02 $13,890 26% $25,000 $1,158 $347 $46,300 6,625 Walker County $502 1.2 1.7 $625 $12.21 $15,510 13% $25,400 $635 $1,293 0.7 $388 $51,700 826 Washington County 1.7 $17.38 $904 $22,760 $527 1.5 $10.13 $10.94 $8,220 26% 1.1 $569 $685 $27,400 1,011 Wilcox County $206 1.3 $432 Winston County 2,322 $42,200 $317 $1,055 $569 $22,760 24% $12,660 $10.94 $8.32 1.5 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 20 OUT OF REACH 2016 •

27 ALASKA S TAT E . In order to $1,209 In Alaska, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * 9 monthly or $4,030 a household must earn annually. Assuming a 40-hour work week, $48,359 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $23.25 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $9.75 $28.90 Aleutians West Census Area Average Renter Wage Nome Census Area $26.46 $17.76 $23.25 Bethel Census Area $26.33 2-Bedroom Housing Wage 92,263 Juneau City and Borough $25.25 Number of Renter Households Percent Renters 37% Anchorage Municipality $24.85 $1,209 Two bedroom FMR 95 $2,173 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $924 renter wage ––––––––––––– $652 Rent affordable at 30% of AMI Rent affordable with full-time job paying $507 min wage 2.4 $329 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 21 NATIONAL LOW INCOME HOUSING COALITION

28 Alaska RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated t ren rent mea n renter nec essary to ded nee Monthly rent % of total Renter imum wage hou min rly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR 30% seholds hou seholds hou affordable needed to afford renter wage at 30% at mean 4 5 2 3 afford 2 BR FMR 2 BR FMR I AM FMR of AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI Alaska 2.4 92,263 $652 $17.76 $26,075 $924 $86,917 $23.25 37% $48,359 $2,173 1.3 $1,209 Combined Nonmetro Areas $1,102 27,763 $573 $22,916 $76,385 $1,124 $1,910 1.0 2.2 $21.19 $21.61 35% $44,954 Metropolitan Areas 42,236 $2,323 $1,292 $92,900 $878 Anchorage HMFA 1.5 2.5 $51,680 40% $27,870 $16.89 $24.85 $697 $1,230 $49,200 41% $28,140 $23.65 $15.47 2.4 1.5 $805 14,868 Fairbanks MSA $93,800 $704 $2,345 $25,710 Matanuska-Susitna Borough HMFA $573 1.8 2.0 $11.02 $19.46 7,396 24% $40,480 $1,012 $2,143 $643 $85,700 Counties $20,850 $851 Aleutians East Borough 1.1 1.8 $16.36 $17.62 253 44% $36,640 $916 $1,738 $521 $69,500 $89,500 $2,238 $1,503 $60,120 717 $26,850 $28.90 $22.66 3.0 1.3 $671 Aleutians West Census Area $1,178 65% Anchorage Municipality 42,236 $92,900 $697 $2,323 $1,292 $51,680 40% $27,870 $24.85 $16.89 2.5 1.5 $878 1.3 Bethel Census Area 1,623 $54,600 $410 $1,365 $1,369 $54,760 37% $16,380 $26.33 $20.24 2.7 $1,052 $47,760 2.4 1.4 $15.98 $22.96 $29,700 46% $831 $1,194 $2,475 $743 $99,000 182 Bristol Bay Borough 2.1 $20.96 $30,510 28% $43,600 $2,543 $763 $101,700 201 Denali Borough 1.0 $20.10 $1,045 $1,090 2.2 1.2 $57,600 $925 $432 $1,092 $1,440 $43,680 41% $17,280 558 Dillingham Census Area $21.00 $17.79 41% $805 $93,800 $704 $2,345 $1,230 $49,200 14,868 $28,140 $23.65 $15.47 2.4 1.5 Fairbanks North Star Borough $895 Haines Borough 353 $70,000 $525 $1,750 $35,800 31% $21,000 $17.21 $10.81 1.8 1.6 $562 $491 1.6 1.6 $9.44 $15.12 $18,480 38% $31,440 $786 $1,540 $462 $61,600 345 Hoonah-Angoon Census Area 36% $689 $97,600 $732 $2,440 $1,313 $52,520 4,389 $29,280 $25.25 $13.24 2.6 1.9 Juneau City and Borough 1.3 Kenai Peninsula Borough 5,789 $77,700 $583 $1,943 $996 $39,840 27% $23,310 $19.15 $14.67 2.0 $763 $659 $2,198 $1,193 $47,720 44% $26,370 $22.94 $14.17 2.4 1.6 $737 Ketchikan Gateway Borough 2,320 $87,900 $75,800 40% $18.42 $12.97 1.9 1.4 $674 $38,320 $958 $1,895 $569 $22,740 Kodiak Island Borough 1,836 35% $1,380 $55,200 180 Lake and Peninsula Borough $846 $33,840 $414 $16,560 $16.27 $23.12 1.7 0.7 $1,202 $573 Matanuska-Susitna Borough 7,396 $85,700 $643 $2,143 $1,012 $40,480 1.8 2.0 $11.02 $19.46 $25,710 24% $14,490 Nome Census Area $362 $1,208 $1,376 $55,040 44% $48,300 $26.46 $21.19 2.7 1.2 $1,102 1,258 $2,400 1,007 $84,700 $635 $2,118 $885 $35,400 51% $25,410 $17.02 $46.16 1.7 0.4 North Slope Borough $38.40 $22.42 $17,820 45% $46,640 $1,166 $1,485 0.6 $446 $59,400 857 Northwest Arctic Borough $1,997 2.3 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 22 OUT OF REACH 2016 •

29 Alaska RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at t ren rent nec ded n renter mea nee essary to Renter Monthly rent % of total imum wage min hou rly mean affordable affordable 1 afford 2 BR 2 BR Annual to afford wage needed to hou affordable seholds seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 AM afford 2 BR 2 BR FMR FMR I FMR at AMI (2010-2014) (2010-2014) of AMI 2 BR FMR (2016) of AMI renter wage 2.0 $41,120 33% $26,130 $19.77 $87,100 $2,178 1.9 $542 456 Petersburg Census Area $653 $1,028 $10.42 $1,368 $931 $37,240 30% Prince of Wales-Hyder Census Area $17.90 $14.34 1.8 1.2 $746 716 $16,410 $410 $54,700 $80,100 $601 $2,003 $13.66 $1,203 $48,120 42% $24,030 $23.13 Sitka City and Borough 1,488 $710 1.7 2.4 $596 43% $50,000 $1,250 $1,988 $764 $79,500 167 Skagway Municipality 1.6 2.5 $14.70 $24.04 $23,850 32% Southeast Fairbanks Census Area $68,100 $511 $1,703 $1,171 $46,840 690 $20,430 $22.52 $27.86 2.3 0.8 $1,449 $1,139 $784 1.5 2.2 $15.07 $21.90 $27,240 Valdez-Cordova Census Area $45,560 $2,270 $681 $90,800 879 27% $600 418 $41,800 $314 $1,045 $883 Wade Hampton Census Area 25% $12,540 $16.98 $11.55 1.7 1.5 $35,320 $56,700 $425 $1,418 $856 $34,240 28% $17,010 $16.46 $9.30 1.7 1.8 $484 Wrangell City and Borough 326 $590 Yakutat City and Borough 140 $83,000 $623 $2,075 $996 $39,840 53% $24,900 $19.15 $11.35 2.0 1.7 $14.92 $776 $361 $1,093 615 Yukon-Koyukuk Census Area 0.7 $31,040 30% $14,430 $1,203 $21.01 1.5 $48,100 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 23 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

30 ARIZONA S TAT E . In order to afford $893 In Arizona, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — a * annually. Assuming a 40-hour work week, 52 $35,726 monthly or $2,977 household must earn 24 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $17.18 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $8.05 Coconino County $21.83 $15.28 Average Renter Wage $17.58 Maricopa County $17.18 Pinal County $17.58 2-Bedroom Housing Wage 873,952 Apache County $16.63 Number of Renter Households Percent Renters 37% Pima County $16.58 $893 Two bedroom FMR 85 $1,488 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $794 renter wage ––––––––––––– $446 Rent affordable at 30% of AMI Rent affordable with full-time job paying $419 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 24 OUT OF REACH 2016

31 Arizona FY16 HOUSING WAGE RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent nece ssary to Renter an renter % of total Monthly rent o needed 1 2 BR afford af 2 BR Annual fford to a 30% o fford needed to a 2 FMR afford 2 BR FMR of 2 BR FMR 2 BR FMR Arizona $17,856 $59,520 2.1 873,952 $446 $794 1.1 $15.28 $17.18 37% $35,726 $893 $1,488 Combined Nonmetro Areas $752 32,645 $328 $13,121 $43,736 $30,703 $1,093 1.0 1.8 $14.46 $14.76 29% $768 Metropolitan Areas $1,135 Flagstaff MSA $61,300 $460 $45,400 40% $18,390 $21.83 $12.06 2.7 1.8 $627 18,724 $1,533 $14.50 $1,253 $50,100 Lake Havasu City-Kingman MSA $30,160 32% $15,030 $376 $12.45 1.8 1.2 $647 25,625 $754 $1,573 $472 $62,900 Phoenix-Mesa-Scottsdale MSA 584,752 $842 1.1 2.2 $16.19 $17.58 $18,870 38% $36,560 $914 $15,660 1.4 $392 $1,305 $838 $33,520 30% $52,200 $16.12 $11.87 2.0 $617 27,460 Prescott MSA 15,623 $58,400 $438 $1,460 $802 $32,080 32% $17,520 $15.42 $12.01 1.9 1.3 $625 Sierra Vista-Douglas MSA 2.1 1.3 $661 $34,480 147,655 $1,418 38% $17,010 $16.58 $12.71 Tucson MSA $56,700 $425 $862 $11.30 2.0 1.4 $588 21,468 $32,880 $822 $1,145 $344 $45,800 Yuma MSA 31% $13,740 $15.81 Counties $936 $34,300 $257 $858 $865 $34,600 23% $10,290 $16.63 $17.99 2.1 0.9 Apache County 4,432 $15.42 $58,400 $1,460 $802 $32,080 32% $17,520 $438 $12.01 1.9 1.3 $625 Cochise County 15,623 18,724 $61,300 $460 $1,533 $1,135 $45,400 40% $18,390 $21.83 $12.06 2.7 1.8 $627 Coconino County $15.83 5,752 $1,255 $823 $32,920 28% $15,060 $377 $13.49 2.0 1.2 $702 Gila County $50,200 Graham County 1.3 1.8 $10.82 $14.56 $15,570 28% $30,280 $757 $1,298 $389 $51,900 3,033 $563 0.3 1.6 $38.11 $12.96 $14,790 $674 $26,960 $1,233 $370 $49,300 1,857 Greenlee County $1,981 54% La Paz County $43,900 $329 $1,098 $710 $28,400 23% $13,170 $13.65 $9.88 1.7 1.4 $514 2,222 550,645 39% $472 $1,573 $914 $36,560 Maricopa County $18,870 $17.58 $16.29 2.2 1.1 $847 $62,900 $15,030 Mohave County $376 $1,253 $754 $30,160 32% $50,100 $14.50 $12.45 1.8 1.2 $647 25,625 $611 $12,660 $14.67 $11.74 1.8 1.2 29% $30,520 $763 $1,055 $317 $42,200 9,930 Navajo County $661 2.1 $12.71 $16.58 $17,010 38% 1.3 $862 $1,418 $425 $56,700 147,655 Pima County $34,480 $18,870 $17.58 $12.20 2.2 1.4 $634 Pinal County 34,107 $62,900 $472 $1,573 $914 $36,560 27% $485 $27,960 $42,900 $322 $1,073 $699 Santa Cruz County 5,419 1.4 1.7 $9.32 $13.44 $12,870 35% $33,520 $1,305 $392 $52,200 27,460 Yavapai County $617 1.4 2.0 $11.87 $16.12 $15,660 30% $838 $822 $1,145 $344 $45,800 21,468 Yuma County $588 2.0 $11.30 $15.81 $13,740 31% $32,880 1.4 1: BR = Bedroom Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 25 OUT OF REACH 2016 •

32 ARKANSAS S TAT E RANKING . In order to $689 In Arkansas, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 50 annually. Assuming a 40-hour work week, $27,572 monthly or $2,298 a household must earn 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $13.26 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Crittenden County Minimum Wage $8.00 $15.90 Average Renter Wage Faulkner County $11.96 $14.77 2-Bedroom Housing Wage Lonoke County $14.77 $13.26 378,868 Number of Renter Households $14.77 Perry County Percent Renters $14.77 33% Pulaski County (tied with 1 other) $689 Two bedroom FMR 66 $1,329 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $622 renter wage ––––––––––––– $399 Rent affordable at 30% of AMI Rent affordable with full-time job paying $416 min wage 1.7 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,500 $1,000 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 26 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

33 Arkansas FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent ren t nec essary to mea n renter needed Monthly rent Renter % of total rly mean hou min imum wage affordable affordable 1 afford 2 BR wage needed to 30% Annual to afford 2 BR seholds hou seholds hou affordable renter wage needed to afford at mean at 30% 3 2 5 4 FMR afford 2 BR of AMI FMR 2 BR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage Arkansas $1,329 33% $27,572 $689 $399 $622 $11.96 378,868 1.7 $13.26 1.1 $53,147 $15,944 Combined Nonmetro Areas $45,319 1.2 136,019 $523 $1,133 $340 1.5 $10.06 $13,596 $12.11 30% $25,184 $630 Metropolitan Areas 63,939 0.9 1.7 $15.67 $13.63 $18,780 $815 $28,360 $709 $1,565 $470 $62,600 Fayetteville-Springdale-Rogers HMFA 38% 24,573 $593 1.1 1.6 $12.65 $14,610 34% $26,320 $658 $1,218 $365 $48,700 Fort Smith HMFA $11.40 $18,120 Grant County HMFA $453 $1,510 $617 $24,680 23% $60,400 $11.87 $11.22 1.5 1.1 $583 1,564 12,854 $488 1.5 1.8 $9.39 $14.23 $15,360 32% $29,600 $740 $1,280 $384 $51,200 Hot Springs MSA $15,180 15,634 $50,600 $380 $1,265 $647 41% Jonesboro HMFA $12.44 $9.69 1.6 1.3 $504 $25,880 Little River County HMFA 1,186 $569 1.1 1.5 $10.95 $11.87 $14,910 23% $24,680 $617 $1,243 $373 $49,700 35% Little Rock-North Little Rock-Conway HMFA $62,800 $471 $1,570 $768 $30,720 $18,840 $14.77 $12.75 1.8 1.2 $663 93,570 Memphis HMFA $18,030 $524 1.6 2.0 $10.08 $15.90 7,807 43% $33,080 $827 $1,503 $451 $60,100 $14,190 12,291 $355 $1,183 $651 $26,040 34% $47,300 $12.52 $10.67 1.6 1.2 $555 Pine Bluff MSA Poinsett County HMFA 3,578 $535 1.2 1.5 $10.28 $11.87 $12,210 38% $24,680 $617 $1,018 $305 $40,700 $16,230 $54,100 $1,353 $712 $28,480 Texarkana HMFA 35% $406 $13.69 $10.53 1.7 1.3 $548 5,853 Counties $15,450 2,498 $678 0.9 1.5 $13.03 $11.96 $51,500 32% $24,880 $622 $1,288 $386 Arkansas County $616 2,129 $46,800 $351 $1,170 $617 $24,680 1.0 25% $14,040 $11.87 $11.85 1.5 Ashley County $643 1.3 $9.81 $12.37 $14,010 24% $25,720 1.5 $1,168 $350 $46,700 4,318 Baxter County $510 Benton County $18,780 $13.63 $18.26 1.7 0.7 $949 $28,360 $709 $1,565 32% $470 $62,600 26,740 Boone County $592 1.0 1.5 $11.39 $11.90 $14,640 28% $24,760 $619 $1,220 $366 $48,800 4,136 30% $430 $40,700 $305 $1,018 $649 $25,960 1,402 $12,210 $12.48 $8.27 1.6 1.5 Bradley County $15.45 1.5 0.8 $804 Calhoun County $45,800 $344 $1,145 $623 $24,920 20% $13,740 $11.98 412 26% 2,887 $359 $1,198 $620 Carroll County $24,800 $47,900 $14,370 $11.92 $9.51 1.5 1.3 $494 32% Chicot County 1,437 $35,400 $266 $885 $617 $421 1.5 1.5 $24,680 $11.87 $10,620 $8.09 $15,000 Clark County 3,089 $50,000 $375 $1,250 $617 $24,680 36% $456 $11.87 $8.77 1.5 1.4 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 27 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

34 Arkansas HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Full-time jobs at Estimated essary to nec mea n renter ded nee Monthly rent % of total Renter affordable affordable min imum wage rly mean hou 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable at mean at 30% renter wage needed to afford 3 5 2 4 FMR afford 2 BR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) 1.5 26% $12,660 $11.87 $8.28 $24,680 $617 1,744 $1,055 $431 $317 $42,200 1.4 Clay County $467 $24,680 1.3 $1,260 $378 $50,400 $617 2,348 Cleburne County 1.5 $8.99 $11.87 $15,120 23% $26,040 $460 696 $47,300 $355 $1,183 $651 Cleveland County 21% $14,190 $12.52 $8.85 1.6 1.4 $24,680 $11.87 $8.75 1.5 1.4 $455 $365 $48,700 32% 3,033 Columbia County $1,218 $617 $14,610 25% Conway County $47,200 $354 $1,180 $719 $28,760 2,074 $14,160 $13.83 $8.36 1.7 1.7 $435 $504 Craighead County 15,634 $50,600 $380 $1,265 $647 $25,880 41% $15,180 $12.44 $9.69 1.6 1.3 $14,610 $658 $48,700 $365 $1,218 $26,320 25% 5,772 $12.65 $9.74 1.6 1.3 $507 Crawford County $524 7,807 $60,100 $451 $1,503 $827 $33,080 43% $18,030 $15.90 $10.08 2.0 1.6 Crittenden County $8.41 1.6 1.5 $438 $49,400 $371 2,510 Cross County $1,235 $26,400 36% $14,820 $12.69 $660 $305 $1,018 $617 $24,680 34% $12,210 $11.87 $10.14 1.5 1.2 $527 Dallas County 1,125 $40,700 43% $469 $41,000 $308 $1,025 $617 $24,680 2,205 $12,300 $11.87 $9.02 1.5 1.3 Desha County 1.5 Drew County 2,833 $40,900 $307 $1,023 $617 $24,680 39% $12,270 $11.87 $6.73 1.8 $350 $575 Faulkner County 15,669 $62,800 $471 $1,570 $768 $30,720 36% $18,840 $14.77 $11.07 1.8 1.3 24% Franklin County $44,200 $332 $1,105 $627 $25,080 1,646 $13,260 $12.06 $9.53 1.5 1.3 $496 $1,070 Fulton County 1,243 $42,800 $617 $24,680 23% $321 $12,840 $11.87 $5.47 1.5 2.2 $285 32% $384 12,854 Garland County $1,280 $740 $29,600 $51,200 $15,360 $14.23 1.8 1.5 $488 $9.39 $60,400 $453 $1,510 $617 $24,680 23% $18,120 $11.87 $11.22 1.5 1.1 $583 Grant County 1,564 35% Greene County $49,300 $370 $1,233 $650 $26,000 5,820 $14,790 $12.50 $10.46 1.6 1.2 $544 $11.92 $9.90 1.5 1.2 $515 31% Hempstead County 2,550 $44,600 $335 $1,115 $620 $24,800 $13,380 $24,800 1.1 1.5 $10.97 $11.92 $15,240 29% $570 $620 $1,270 $381 $50,800 3,461 Hot Spring County $12,630 $11.87 $9.84 1.5 1.2 $512 $617 $1,053 $316 $42,100 1,776 Howard County $24,680 35% 30% Independence County 4,321 $13,680 $11.98 $9.67 1.5 1.2 $503 $45,600 $623 $24,920 $342 $1,140 20% Izard County $40,800 $306 $1,020 $617 $24,680 1,137 $12,240 $11.87 $7.86 1.5 1.5 $409 $492 Jackson County 2,066 $39,700 $298 $993 $617 $24,680 32% $11,910 $11.87 $9.46 1.5 1.3 $14,190 $651 $47,300 $355 $1,183 $26,040 36% 10,323 $12.52 $10.84 1.6 1.2 $563 Jefferson County $472 2,999 $38,100 $286 $953 $617 $24,680 30% $11,430 $11.87 $9.08 1.5 1.3 Johnson County $11.87 $9.47 1.5 1.3 $492 $998 774 Lafayette County $39,900 $617 $24,680 27% $11,970 $299 $43,600 $327 $1,090 $617 $24,680 30% $13,080 $11.87 $7.85 1.5 1.5 $408 Lawrence County 1,965 $11.87 $24,680 1,548 $33,900 $254 $848 $499 1.2 1.5 $9.59 $617 $10,170 44% Lee County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 28 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

35 Arkansas HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at rent t Estimated ren mea nec n renter essary to nee ded % of total Monthly rent Renter affordable hourly mean imum wage affordable min 1 wage needed to afford 2 BR 30% 2 BR Annual to afford affordable hou seholds hou seholds at mean needed to afford renter wage at 30% 5 3 2 4 FMR afford 2 BR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) 2 BR FMR renter wage of AMI (2016) $355 1,272 $1,183 $12.52 $9.27 $651 $47,300 1.6 Lincoln County $482 $26,040 30% 1.4 $14,190 $569 $24,680 1.1 $1,243 $373 $49,700 $617 1,186 Little River County 1.5 $10.95 $11.87 $14,910 23% $24,680 $424 2,224 $47,700 $358 $1,193 $617 Logan County 26% $14,310 $11.87 $8.15 1.5 1.5 $768 $18,840 $14.77 $8.80 1.8 1.7 $458 $62,800 7,097 $30,720 Lonoke County $471 $1,570 28% 22% Madison County $62,600 $470 $1,565 $709 $28,360 1,361 $18,780 $13.63 $8.16 1.7 1.7 $425 $453 Marion County 1,437 $43,400 $326 $1,085 $617 $24,680 21% $13,020 $11.87 $8.72 1.5 1.4 $16,230 $712 $54,100 $406 $1,353 $28,480 35% 5,853 $13.69 $10.53 1.7 1.3 $548 Miller County $711 7,120 $43,400 $326 $1,085 $640 $25,600 41% $13,020 $12.31 $13.68 1.5 0.9 Mississippi County $11.87 $6.14 1.5 1.9 $319 $36,400 1,241 Monroe County $273 $617 $24,680 37% $10,920 $910 $40,500 $304 $1,013 $617 $24,680 19% $12,150 $11.87 $8.42 1.5 1.4 $438 Montgomery County 708 27% $463 $43,600 $327 $1,090 $617 $24,680 977 $13,080 $11.87 $8.91 1.5 1.3 Nevada County $5.89 Newton County 494 $38,200 $287 $955 $617 $24,680 15% $11,460 $11.87 1.5 2.0 $306 $501 Ouachita County 3,340 $43,500 $326 $1,088 $617 $24,680 32% $13,050 $11.87 $9.64 1.5 1.2 16% Perry County $62,800 $471 $1,570 $768 $30,720 616 $18,840 $14.77 $7.37 1.8 2.0 $383 $267 Phillips County 3,973 $890 $617 $24,680 48% $35,600 $10,680 $11.87 $10.04 1.5 1.2 $522 26% $38,400 Pike County $288 $960 $617 $24,680 1,139 $11,520 $8.71 1.5 1.4 $453 $11.87 3,578 $40,700 $305 $1,018 $617 $24,680 38% $12,210 $11.87 $10.28 1.5 1.2 $535 Poinsett County 24% Polk County $39,300 $295 $983 $617 $24,680 1,919 $11,790 $11.87 $9.23 1.5 1.3 $480 $12.38 $10.58 1.5 1.2 $550 31% Pope County 7,061 $48,300 $362 $1,208 $644 $25,760 $14,490 $24,680 1.2 1.5 $9.74 $11.87 $13,380 28% $507 $617 $1,115 $335 $44,600 1,066 Prairie County $18,840 $14.77 $13.58 1.8 1.1 $706 $768 $1,570 $471 $62,800 60,875 Pulaski County $30,720 40% $252 1,829 Randolph County $1,168 $617 $24,680 25% $14,010 $11.87 $4.84 1.5 2.4 $46,700 $350 43% St. Francis County $35,600 $267 $890 $617 $24,680 3,995 $10,680 $11.87 $8.98 1.5 1.3 $467 $498 Saline County 9,313 $62,800 $471 $1,570 $768 $30,720 22% $18,840 $14.77 $9.58 1.8 1.5 $13,020 $617 $43,400 $326 $1,085 $24,680 25% 1,016 $11.87 $8.22 1.5 1.4 $428 Scott County $269 671 $40,500 $304 $1,013 $617 $24,680 21% $12,150 $11.87 $5.16 1.5 2.3 Searcy County $14,610 $12.65 $11.89 1.6 1.1 $365 $618 Sebastian County 18,801 $1,218 $658 $26,320 38% $48,700 1,723 $45,400 $341 $1,135 $617 $24,680 29% $13,620 $11.87 $9.39 1.5 1.3 $488 Sevier County $11.87 $24,680 1,580 $41,600 $312 $1,040 $433 1.4 1.5 $8.32 $617 $12,480 22% Sharp County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 29 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

36 Arkansas RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at ren t rent n renter nec essary to mea nee ded Monthly rent % of total Renter imum wage hourly mean min affordable affordable 1 wage needed to to afford afford 2 BR 2 BR Annual hou seholds seholds affordable hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 2 BR FMR afford 2 BR FMR FMR AM I (2010-2014) at AMI (2010-2014) of AMI 2 BR FMR (2016) renter wage of AMI 23% Stone County $40,700 $305 $1,018 $617 $24,680 1,211 $12,210 $11.87 $7.96 1.5 1.5 $414 $757 Union County 5,092 $48,200 $362 $1,205 $644 $25,760 31% $14,460 $12.38 $14.56 1.5 0.9 $13,110 $617 $43,700 $328 $1,093 $24,680 25% 1,791 $11.87 $13.59 1.5 0.9 $707 Van Buren County $667 35,838 $62,600 $470 $1,565 $709 $28,360 45% $18,780 $13.63 $12.82 1.7 1.1 Washington County $16,740 $12.83 $9.20 1.6 1.4 $419 $478 White County $55,800 9,222 $667 $26,680 31% $1,395 1,152 $37,900 $284 $948 $617 $24,680 38% $11,370 $11.87 $8.78 1.5 1.4 $456 Woodruff County $11.87 $24,680 2,552 $42,600 $320 $1,065 $441 1.4 1.5 $8.47 $617 $12,780 33% Yell County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 30 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

37 CALIFORNIA S TAT E . In order to $1,487 In California, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * $59,464 monthly or annually. Assuming a 40-hour work week, a household must earn $4,955 3 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $28.59 HOUSING WAGE* STATE FACTS MOST EXPENSIVE COUNTIES $44.02 Minimum Wage $10.00 Marin County Average Renter Wage San Francisco County $19.22 $44.02 2-Bedroom Housing Wage San Mateo County $44.02 $28.59 5,708,355 Number of Renter Households $40.44 Alameda County $40.44 Percent Renters 45% Contra Costa County $1,487 Two bedroom FMR 114 $1,817 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $999 renter wage ––––––––––––– $545 Rent affordable at 30% of AMI Rent affordable with full-time job paying $520 min wage 2.9 $267 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,500 $1,000 $2,000 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 31 •

38 California RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at rent rent needed neces sary to % of total Monthly rent Renter mean renter hour um wage ly mean minim affordable affordable 1 Annual 2 BR to afford afford 2 BR affo wage needed to eholds hous holds house rdable 30% needed to afford renter wage at mean at 30% 4 3 5 2 AMI FMR 2 BR FMR (2010-2014) afford 2 BR (2010-2014) at AMI FMR I of AM 2 BR FMR (2016) of AMI renter wage California 2.9 $999 $545 $19.22 $28.59 45% $59,464 $1,487 5,708,355 $1,817 $72,682 1.5 $21,805 Combined Nonmetro Areas $437 $17,487 $58,289 114,752 $566 $1,457 1.9 $10.89 $18.98 35% $39,488 $987 1.7 Metropolitan Areas Bakersfield MSA $12.91 $671 1.2 1.6 $15.88 $15,990 110,403 $33,040 $826 $1,333 $400 $53,300 43% Chico MSA $601 $428 1.7 $11.56 $17.44 34,622 $57,100 $1,428 1.5 $17,130 41% $36,280 $907 El Centro MSA $16.08 $1,210 $836 $33,440 44% $14,520 20,817 $48,400 $7.92 1.6 2.0 $412 $363 Fresno MSA $16.58 $11.41 1.7 1.5 $593 137,063 $862 $1,238 $371 $49,500 $34,480 47% $14,850 Hanford-Corcoran MSA $12.39 1.6 1.3 $14,250 48% $644 19,750 $47,500 $356 $1,188 $818 $32,720 $15.73 Los Angeles-Long Beach HMFA $59,600 $977 $62,400 $468 $1,560 1,738,476 $1,490 1.5 2.9 $18.79 $28.65 $18,720 54% Madera MSA $46,900 $18.12 $11.48 1.8 1.6 $942 $14,070 $352 39% $597 16,793 $1,173 $37,680 Merced MSA $335 $1,115 $784 $31,360 47% $13,380 $15.08 $11.45 1.5 1.3 $595 36,206 $44,600 Modesto MSA $1,420 $37,440 43% $17,040 $18.00 71,992 $936 $426 $56,800 $12.62 1.8 1.4 $656 Napa MSA $823 1.8 2.9 $15.83 $24,750 40% $60,000 $28.85 $2,063 $619 $82,500 19,634 $1,500 Oakland-Fremont HMFA 42% $702 $2,103 $84,120 $1,011 2.1 4.0 $93,600 $2,340 $28,080 $40.44 $19.45 393,119 Orang e County HMFA $2,125 $85,000 419,139 1.7 3.2 $18.44 $32.15 $25,500 42% $959 $66,880 $1,672 $638 Oxnard-Thousand Oaks-Ventura MSA $15.87 3.1 1.9 $825 95,192 $88,300 $662 $2,208 $1,602 $64,080 36% $26,490 $30.81 Redding MSA 1.7 $871 $34,840 37% $15,270 $16.75 $11.66 $1,273 1.4 $606 25,274 $382 $50,900 Riverside-San Bernardino-Ontario MSA * 1.8 2.3 $12.38 $22.83 $18,420 37% $47,480 $61,400 474,604 $644 $1,187 $1,535 $461 Sacramento--Roseville--Arden-Arcade HMFA $14.96 2.0 1.3 $778 285,931 $19.73 $20,820 40% $41,040 $1,026 $1,735 $521 $69,400 Salinas MSA 50% $63,500 $476 $1,588 $1,399 $55,960 1.9 $19,050 $26.90 $14.04 63,026 $730 2.7 San Benito County HMFA $26.02 $614 $550 $1,833 $1,353 2.2 $21,990 $73,300 $11.80 2.6 38% $54,120 6,511 San Diego-Carlsbad MSA 1.5 $18.75 $28.83 2.9 $22,050 47% $59,960 $1,499 $1,838 $551 $73,500 $975 505,399 San Francisco HMFA 51% $2,693 $2,289 $107,700 $91,560 $44.02 $808 365,048 $1,735 1.3 4.4 $33.37 $32,310 San Jose-Sunnyvale-Santa Clara HMFA $2,678 264,611 $107,100 $1,873 1.1 3.8 $36.02 $38.35 $32,130 43% $79,760 $803 $1,994 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 32 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

39 California AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent rent neces sary to mean renter ded nee % of total Renter Monthly rent um wage hourl y mean minim affordable affordable 1 afford 2 BR wage needed to 30% 2 BR to afford Annual house dable house affor holds holds needed to afford renter wage at 30% at mean 5 2 3 4 afford 2 BR FMR I of AM FMR 2 BR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage SA San Luis Obispo-Paso Robles-Arroyo Grande M $657 $1,910 $76,400 $573 $1,310 $52,400 42% $22,920 $25.19 $12.64 2.5 2.0 42,969 Santa Cruz-Watsonville MSA $25,530 $638 $2,128 $1,604 $64,160 42% $85,100 $30.85 $13.03 3.1 2.4 $678 39,470 Santa Maria-Santa Barbara MSA $77,100 48% $23,130 $27.90 $15.39 2.8 1.8 $800 67,728 $58,040 $1,451 $1,928 $578 Santa Rosa MSA $15.43 $1,898 $1,414 $56,560 40% $22,770 $27.19 $569 2.7 1.8 $802 75,516 $75,900 Stockton-Lodi MSA $967 $656 43% $58,600 $440 $1,465 93,759 $38,680 $17,580 $18.60 $12.61 1.9 1.5 Vallejo-Fairfield MSA $24.69 $77,600 $582 $1,940 $1,284 $51,360 $16.18 $23,280 56,706 $841 1.5 2.5 40% Visalia-Porterville MSA $12,540 43% $30,320 $758 $1,045 $314 $41,800 56,732 $538 1.4 1.5 $10.34 $14.58 Yolo HMFA $74,100 $1,853 $1,164 $46,560 48% $22,230 $22.38 $12.65 2.2 1.8 $658 33,773 $556 Yuba City MSA $34,440 1.4 $55,900 $419 $1,398 $861 $613 41% $16,770 $16.56 $11.78 1.7 23,340 Counties Alameda County 260,089 $93,600 $702 $2,103 $84,120 47% $28,080 $40.44 $20.00 4.0 2.0 $1,040 $2,340 69 $35,280 Alpine County $1,001 0.9 1.7 $19.25 $16.96 $23,610 18% $882 $1,968 $590 $78,700 24% 3,393 $70,400 $528 $1,760 $1,053 $42,120 Amador County $21,120 $20.25 $529 2.0 2.0 $10.17 $601 $36,280 $907 $1,428 $428 $57,100 $11.56 34,622 Butte County 1.7 $17.44 $17,130 41% 1.5 1.7 $550 $70,200 $1,755 $925 3,916 $37,000 21% $21,060 Calaveras County $17.79 $10.57 1.8 $527 1.4 $621 2,519 $58,300 $437 $1,458 $850 $34,000 36% $17,490 $16.35 $11.94 1.6 Colusa County $28,080 Contra Costa County $702 $2,340 $2,103 $84,120 35% $93,600 $40.44 $18.33 4.0 2.2 $953 133,030 Del Norte County 3,849 $52,800 $396 $1,320 $922 $36,880 40% $15,840 $17.73 $9.08 1.8 2.0 $472 $588 El Dorado County 17,387 $69,400 $521 $1,735 $1,026 $41,040 26% $20,820 $19.73 $11.31 2.0 1.7 $862 1.7 $11.41 $16.58 $14,850 47% $34,480 $593 $1,238 $371 $49,500 137,063 Fresno County 1.5 38% $569 $53,100 $398 $1,328 $823 $32,920 3,669 $15,930 $15.83 $10.94 1.6 1.4 Glenn County $999 Humboldt County 24,009 $51,500 $386 $1,288 $39,960 45% $15,450 $19.21 $10.97 1.9 1.8 $570 1.6 $412 Imperial County 20,817 $48,400 $363 $1,210 $836 $33,440 44% $14,520 $16.08 $7.92 2.0 $572 1.8 $11.00 $18.04 $21,600 37% $37,520 $938 $1,800 $540 $72,000 2,884 Inyo County 1.6 $33,040 1.2 110,403 $53,300 $400 $1,333 $826 Kern County 43% $15,990 $15.88 $12.91 1.6 $671 $356 $1,188 $818 $32,720 48% $14,250 $15.73 $12.39 1.6 1.3 $644 Kings County 19,750 $47,500 $550 37% 9,976 $50,700 $380 $1,268 $972 Lake County 1.8 1.9 $10.58 $18.69 $15,210 $38,880 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 33 OUT OF REACH 2016 •

40 California HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent nece mean renter ssary to needed % of total Renter Monthly rent hour ly mean minimum wage affordable affordable 1 wage needed to afford 2 BR 30% to afford Annual 2 BR affordable hou seholds households renter wage needed to afford at mean at 30% 5 3 4 2 afford 2 BR FMR of AMI 2 BR FMR R FM AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI Lassen County $505 36% $20,190 $1,683 $18.62 3,573 $9.39 $968 1.9 $38,720 2.0 $488 $67,300 $977 $1,490 $1,560 $468 $62,400 1,738,476 Los Angeles County $59,600 54% $18,720 $28.65 $18.79 2.9 1.5 $37,680 1.6 16,793 $46,900 $352 $1,173 $942 Madera County 39% $14,070 $18.12 $11.48 1.8 $597 $17.79 4.4 2.5 $107,700 $925 38,544 $2,693 $2,289 $91,560 37% $32,310 $44.02 Marin County $808 $19,170 $462 $479 $1,598 $943 $37,720 27% $63,900 $18.13 $8.89 1.8 2.0 Mariposa County 1,980 Mendocino County 1.9 2.0 $10.43 $20.31 $16,080 43% $42,240 $1,056 $1,340 $402 $53,600 14,558 $542 1.3 1.5 $11.45 $15.08 $13,380 47% $784 $1,115 $335 $44,600 36,206 Merced County $595 $31,360 1.3 $8.84 $12.65 $14,250 28% $26,320 $658 1.4 $1,188 $356 $47,500 1,073 Modoc County $460 $50,480 $597 2.4 $11.48 $24.27 $22,230 45% 2.1 $1,262 $1,853 $556 $74,100 2,307 Mono County 1.9 $730 Monterey County 63,026 $63,500 $476 $1,588 $1,399 $55,960 50% $19,050 $26.90 $14.04 2.7 40% $823 $82,500 $619 $2,063 $1,500 $60,000 19,634 $24,750 $28.85 $15.83 2.9 1.8 Napa County $48,640 Nevada County 11,221 $71,700 $538 $1,793 $1,216 27% $21,510 $23.38 $11.92 2.3 2.0 $620 $959 Orange County 419,139 $85,000 $638 $2,125 $1,672 $66,880 42% $25,500 $32.15 $18.44 3.2 1.7 $751 1.4 39,534 $69,400 $521 $1,735 $1,026 $41,040 29% $20,820 $19.73 $14.45 2.0 Placer County $34,800 1.8 1.7 $9.10 $16.73 $16,980 29% $473 $870 $1,415 $425 $56,600 2,433 Plumas County 2.3 $11.95 $22.83 $18,420 34% $47,480 $622 $1,535 $461 $61,400 237,032 Riverside County * 1.9 $1,187 2.0 1.3 $803 Sacramento County 229,010 $69,400 $521 $1,735 $1,026 $41,040 44% $20,820 $19.73 $15.44 38% San Benito County $73,300 $550 $1,833 $1,353 $54,120 6,511 $21,990 $26.02 $11.80 2.6 2.2 $614 1.8 $665 $18,420 $12.78 2.3 San Bernardino County * 39% $22.83 $1,187 $1,535 $461 $61,400 237,572 $47,480 $975 2.9 $18.75 $28.83 $22,050 47% 1.5 $1,499 $1,838 $551 $73,500 505,399 San Diego County $59,960 $44.02 $34.59 4.4 San Francisco County 221,143 $107,700 $808 $2,693 $2,289 $91,560 63% $32,310 1.3 $1,799 43% San Joaquin County $58,600 $440 $1,465 $967 $38,680 93,759 $17,580 $18.60 $12.61 1.9 1.5 $656 $52,400 San Luis Obispo County 42,969 $76,400 $573 $1,910 $1,310 $657 42% $22,920 $25.19 $12.64 2.5 2.0 $2,289 $1,861 $35.78 $44.02 $32,310 41% $91,560 4.4 $2,693 $808 $107,700 105,361 San Mateo County 1.2 $800 1.8 $15.39 $27.90 $23,130 48% $58,040 $1,451 $1,928 $578 $77,100 67,728 Santa Barbara County 2.8 $1,873 1.1 Santa Clara County 264,611 $107,100 $803 $2,678 $1,994 $79,760 43% $32,130 $38.35 $36.02 3.8 $64,160 2.4 39,470 $85,100 $638 $2,128 $1,604 Santa Cruz County 42% $25,530 $30.85 $13.03 3.1 $678 1.7 1.4 $606 Shasta County 25,274 $50,900 $382 $1,273 $871 $34,840 37% $15,270 $16.75 $11.66 $403 24% 313 $53,800 $404 $1,345 $1,199 Sierra County 3.0 2.3 $7.76 $23.06 $16,140 $47,960 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 34 OUT OF REACH 2016 •

41 California HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at t rent ren essary to n renter mea nec needed Renter % of total Monthly rent minimum wage hou rly mean affordable affordable 1 afford 2 BR wage needed to to afford 30% 2 BR Annual households households affordable renter wage needed to afford at 30% at mean 3 4 2 5 afford 2 BR FMR 2 BR FMR of AMI AMI FMR (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage 7,152 $9.52 Siskiyou County $495 1.7 $48,400 $363 1.6 $1,210 $849 $33,960 37% $14,520 $16.33 $16.18 2.5 $23,280 40% $24.69 $51,360 $1,284 $1,940 $582 $77,600 1.5 56,706 Solano County $841 $802 1.8 75,516 $75,900 $569 $1,898 $1,414 Sonoma County $56,560 2.7 $15.43 $27.19 $22,770 40% $12.62 1.8 $426 $56,800 71,992 Stanislaus County 1.4 $1,420 $17,040 $37,440 43% $656 $18.00 $936 $593 12,988 $55,900 $419 $1,398 $861 Sutter County 41% $16,770 $16.56 $11.40 1.7 1.5 $34,440 1.3 $667 Tehama County 7,422 $50,300 $377 $1,258 $838 $33,520 32% $15,090 $16.12 $12.82 1.6 $33,880 1.9 1.6 $8.63 $16.29 $14,580 29% $449 $847 $1,215 $365 $48,600 1,627 Trinity County 1.4 1.5 $10.34 $14.58 43% $30,320 $758 $1,045 $314 $41,800 56,732 Tulare County $538 $12,540 1.9 1.7 $587 Tuolumne County 6,809 $60,700 $455 $1,518 $1,000 $40,000 31% $18,210 $19.23 $11.30 $30.81 $64,080 $88,300 $662 36% $2,208 $26,490 95,192 $15.87 3.1 1.9 $825 $1,602 Ventura County 33,773 $74,100 $556 $1,853 $1,164 $46,560 48% Yolo County 1.8 2.2 $12.65 $22.38 $22,230 $658 Yuba County $55,900 $419 $1,398 $861 $34,440 42% 10,352 $16.56 $12.71 1.7 1.3 $661 $16,770 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 35 OUT OF REACH 2016 •

42 COLORADO S TAT E RANKING . In order to $1,098 In Colorado, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 14 $43,939 monthly or $3,662 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $21.12 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Pitkin County Minimum Wage $8.31 $31.96 $15.97 Boulder County Average Renter Wage $26.56 2-Bedroom Housing Wage San Miguel County $26.54 $21.12 703,266 Number of Renter Households $25.38 Summit County Percent Renters 35% $23.60 Denver-Aurora-Lakewood MSA $1,098 Two bedroom FMR 102 $1,882 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $830 renter wage ––––––––––––– $565 Rent affordable at 30% of AMI Rent affordable with full-time job paying $432 min wage 2.5 $227 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 36 OUT OF REACH 2016

43 Colorado AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual 2 BR 30% to afford households affordable households needed to afford renter wage at 30% at mean 5 4 3 2 afford 2 BR FMR AMI of AMI 2 BR FMR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage Colorado $22,588 703,266 $565 1.3 $15.97 $21.12 $830 $75,294 $1,882 $1,098 2.5 $43,939 35% Combined Nonmetro Areas 1.4 $18,772 $35,968 $62,574 $1,564 $657 $469 2.1 $12.64 83,376 $899 $17.29 31% Metropolitan Areas $15.88 $26.56 $28,440 45,519 $55,240 $1,381 $2,370 $711 $94,800 Boulder MSA $826 1.7 37% 3.2 $533 $71,000 Colorado Springs HMFA 37% $35,640 $891 $21,300 $17.13 $14.09 2.1 1.2 $733 88,362 $1,775 $80,100 373,615 $2,003 $1,227 $49,080 36% $24,030 $23.60 $17.94 2.8 1.3 $933 Denver-Aurora-Lakewood MSA * $601 $39,000 42,955 2.3 $12.64 $18.75 $23,460 35% 1.5 $975 $1,955 $587 $78,200 Fort Collins MSA $657 $588 1.4 1.8 $11.31 $15.33 $17,070 30% $31,880 $797 $1,423 $427 $56,900 Grand Junction MSA 17,868 $13.18 Greeley MSA $812 $32,480 30% $20,580 $15.62 $1,715 1.9 1.2 $685 27,752 $68,600 $515 $50,600 $380 $1,265 $782 $31,280 $15,180 35% Pueblo MSA $15.04 $11.04 1.8 1.4 $574 22,043 $22,590 Teller County HMFA $565 $1,883 $919 $36,760 18% $75,300 $17.67 $8.38 2.1 2.1 $436 1,776 Counties $601 $80,100 54,976 Adams County * 1.6 2.8 $14.97 $23.60 $24,030 35% $49,080 $778 $2,003 $1,227 $26,320 41% 2,470 $15,360 $12.65 $9.51 1.5 1.3 $495 Alamosa County $51,200 $384 $1,280 $658 $24,030 Arapahoe County * $601 $2,003 $1,227 $49,080 38% $80,100 $23.60 $18.14 2.8 1.3 $943 85,804 Archuleta County 1,597 $59,800 $449 $1,495 $819 $32,760 30% $17,940 $15.75 $9.99 1.9 1.6 $520 28% Baca County $49,300 $370 $1,233 $658 $26,320 460 $14,790 $12.65 $10.77 1.5 1.2 $560 $647 Bent County 603 $43,700 $328 $1,093 $679 $27,160 34% $13,110 $13.06 $12.43 1.6 1.1 $1,381 Boulder County $94,800 $711 $2,370 $55,240 37% $28,440 $26.56 $15.88 3.2 1.7 $826 45,519 $24,030 Broomfield County * $601 $2,003 $1,227 $49,080 30% $80,100 $23.60 $22.05 2.8 1.1 $1,146 6,891 Chaffee County 1,880 $61,200 $459 $1,530 $843 $33,720 24% $18,360 $16.21 $10.26 2.0 1.6 $534 23% Cheyenne County $65,600 $492 $1,640 $658 $26,320 182 $19,680 $12.65 $17.61 1.5 0.7 $916 804 $693 2.8 1.8 $13.32 $23.60 $24,030 20% $49,080 $1,227 $2,003 $601 $80,100 Clear Creek County * $13,650 $12.65 $7.57 1.5 1.7 $394 Conejos County 622 $45,500 $341 $1,138 $658 $26,320 21% $367 23% 315 $42,600 $320 $750 $1,065 Costilla County 2.0 1.7 $7.06 $14.42 $12,780 $30,000 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 37 OUT OF REACH 2016 •

44 Colorado HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at t ren rent mea essary to nec n renter needed % of total Renter Monthly rent hou imum wage rly mean min affordable affordable 1 wage needed to afford 2 BR to afford Annual 30% 2 BR affordable hou hou seholds seholds renter wage needed to afford at 30% at mean 5 4 3 2 afford 2 BR FMR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI $658 Crowley County $26,320 248 21% $12,720 $12.65 $12.09 1.5 $318 $42,400 1.0 $1,060 $629 $9.23 $12.67 20% $15,390 $480 $26,360 $659 $1,283 1.4 $385 $51,300 431 Custer County 1.5 $32,960 $516 3,531 $52,900 $397 $1,323 $824 Delta County 28% $15,870 $15.85 $9.93 1.9 1.6 $24,030 $80,100 136,211 Denver County * $49,080 2.8 1.1 $1,069 $23.60 $1,227 $2,003 $601 50% $20.56 19% Dolores County $53,200 $399 $1,330 $658 $26,320 144 $15,960 $12.65 $24.09 1.5 0.5 $1,253 $915 Douglas County * 20,364 $80,100 $601 $2,003 $1,227 $49,080 19% $24,030 $23.60 $17.59 2.8 1.3 $26,520 $1,208 $88,400 $663 $2,210 $48,320 33% 5,885 $23.23 $13.43 2.8 1.7 $698 Eagle County $601 913 $80,100 $601 $2,003 $1,227 $49,080 11% $24,030 $23.60 $11.57 2.8 2.0 Elbert County * $21,300 $17.13 $14.09 2.1 1.2 $533 $733 El Paso County $71,000 $1,775 88,362 $35,640 37% $891 4,656 $49,900 $374 $1,248 $724 $28,960 28% $14,970 $13.92 $9.21 1.7 1.5 $479 Fremont County 35% $874 $68,700 $515 $1,718 $1,076 $43,040 7,036 $20,610 $20.69 $16.81 2.5 1.2 Garfield County 2.8 Gilpin County * 636 $80,100 $601 $2,003 $1,227 $49,080 26% $24,030 $23.60 $12.06 2.0 $627 $553 Grand County 1,264 $76,400 $573 $1,910 $948 $37,920 24% $22,920 $18.23 $10.63 2.2 1.7 41% Gunnison County $68,800 $516 $1,720 $844 $33,760 2,604 $20,640 $16.23 $10.36 2.0 1.6 $539 $78,000 Hinsdale County $585 $1,950 $733 $29,320 21% 87 $23,400 $14.10 $8.23 1.7 1.7 $428 27% 760 $43,000 $323 $1,075 $677 $27,080 Huerfano County $13.02 $9.11 1.6 1.4 $473 $12,900 Jackson County 201 $62,300 $467 $1,558 $808 $32,320 31% $18,690 $15.54 $14.98 1.9 1.0 $779 30% Jefferson County * $80,100 $601 $2,003 $1,227 $49,080 66,108 $24,030 $23.60 $14.23 2.8 1.7 $740 0.9 $812 $17,220 $15.62 1.6 Kiowa County 151 $57,400 $431 $1,435 $704 $28,160 27% $13.54 $26,320 1.1 1.5 $11.56 $12.65 $17,730 34% $601 $658 $1,478 $443 $59,100 1,025 Kit Carson County $17.58 $14.31 2.1 1.2 $744 $36,560 $914 $1,470 $441 $58,800 1,231 Lake County 40% $17,640 $19.17 $14.44 2.3 1.3 $751 La Plata County $521 $1,738 $997 $39,880 33% $20,850 7,037 $69,500 35% Larimer County $78,200 $587 $1,955 $975 $39,000 42,955 $23,460 $18.75 $12.64 2.3 1.5 $657 $529 Las Animas County 1,672 $54,500 $409 $1,363 $760 $30,400 28% $16,350 $14.62 $10.18 1.8 1.4 $15,960 $678 $53,200 $399 $1,330 $27,120 34% 595 $13.04 $9.56 1.6 1.4 $497 Lincoln County $520 2,535 $51,300 $385 $1,283 $706 $28,240 32% $15,390 $13.58 $10.00 1.6 1.4 Logan County 30% $17,070 $15.33 $11.31 1.8 $56,900 1.4 $588 Mesa County $427 $1,423 $797 $31,880 17,868 Mineral County 55 $70,200 $527 $1,755 $658 $26,320 15% $21,060 $12.65 $10.57 1.5 1.2 $550 $701 26% 1,283 $70,600 $530 $1,765 $765 Moffat County 1.1 1.8 $13.48 $14.71 $21,180 $30,600 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 38 OUT OF REACH 2016 •

45 Colorado HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at t ren rent n renter essary to nec mea nee ded % of total Renter Monthly rent min rly mean hou imum wage affordable affordable 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable renter wage needed to afford at mean at 30% 3 5 2 4 afford 2 BR FMR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) of AMI renter wage $658 3,235 $15,150 $12.65 $10.41 $26,320 30% 1.5 $1,263 $541 $379 Montezuma County 1.2 $50,500 $543 $32,880 1.5 $1,433 $430 $57,300 $822 5,022 Montrose County 1.9 $10.45 $15.81 $17,190 30% $27,880 $702 3,850 $51,500 $386 $1,288 $697 Morgan County 37% $15,450 $13.40 $13.49 1.6 1.0 $29,240 $9.44 1.7 1.5 35% $491 $323 $1,075 $12,900 2,584 $731 Otero County $43,000 $14.06 27% Ouray County $74,100 $556 $1,853 $1,055 $42,200 536 $22,230 $20.29 $10.90 2.4 1.9 $567 2.3 $528 2.8 $10.16 $23.60 $24,030 13% Park County * $1,227 $2,003 $601 $80,100 908 $49,080 $493 528 $56,000 $420 $1,400 $672 Phillips County 32% $16,800 $12.92 $9.48 1.6 1.4 $26,880 $28,950 33% $66,480 $1,662 $2,413 $724 $96,500 2,416 Pitkin County $854 $16.43 $31.96 3.8 1.9 $343 $1,143 $658 $26,320 33% $13,710 $12.65 $9.92 1.5 1.3 $516 Prowers County 1,645 $45,700 $31,280 $574 22,043 $50,600 $380 $1,265 $782 Pueblo County 35% $15,180 $15.04 $11.04 1.8 1.4 $929 $1,950 Rio Blanco County 871 $78,000 $585 $720 $28,800 33% $23,400 $13.85 $17.87 1.7 0.8 34% $534 $46,500 $349 $1,163 $658 $26,320 1,609 $13,950 $12.65 $10.26 1.5 1.2 Rio Grande County 1.4 Routt County 2,770 $76,500 $574 $1,913 $1,114 $44,560 29% $22,950 $21.42 $14.96 2.6 $778 $42,200 $317 $1,055 $668 $26,720 31% $12,660 $12.85 $10.28 1.5 1.2 $534 Saguache County 816 $16,380 San Juan County $410 $1,365 $1,077 $43,080 38% $54,600 $20.71 $8.94 2.5 2.3 $465 130 38% 1,270 $79,800 $599 $1,995 $1,380 $55,200 $691 $23,940 $26.54 $13.29 3.2 2.0 San Miguel County 30% Sedgwick County $54,900 $412 $1,373 $658 $26,320 283 $16,470 $12.65 $10.79 1.5 1.2 $561 $24,450 Summit County 3,378 $81,500 $611 $2,038 $1,320 $52,800 33% $553 2.4 3.1 $10.63 $25.38 Teller County $1,883 $919 $36,760 18% $22,590 1,776 $565 $17.67 $8.38 2.1 2.1 $436 $75,300 $12.65 $26,320 $57,100 $428 26% $1,428 $17,130 524 $15.22 1.5 0.8 $791 $658 Washington County 27,752 $68,600 $515 $1,715 $812 $32,480 30% Weld County 1.2 1.9 $13.18 $15.62 $20,580 $685 Yuma County $54,900 $412 $1,373 $658 $26,320 35% 1,349 $12.65 $12.55 1.5 1.0 $653 $16,470 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 39 OUT OF REACH 2016 •

46 CONNECTICUT S TAT E RANKING . In order to $1,285 In Connecticut, the Fair Market Rent (FMR) for a two-bedroom apartment is * 8 afford this level of rent and utilities — without paying more than 30% of income on housing — $51,420 monthly or $4,285 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $24.72 HOUSING WAGE* STATE FACTS MOST EXPENSIVE AREAS $9.60 Stamford-Norwalk HMFA Minimum Wage $37.15 $16.21 Danbury HMFA $34.13 Average Renter Wage $24.72 Southern Middlesex County HMFA $25.46 2-Bedroom Housing Wage 443,163 Milford-Ansonia-Seymour HMFA $24.50 Number of Renter Households Percent Renters 33% New Haven-Meriden HMFA $24.23 $1,285 Two bedroom FMR 103 $2,235 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $843 renter wage ––––––––––––– $671 Rent affordable at 30% of AMI Rent affordable with full-time job paying $499 min wage 2.6 $270 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,500 $2,000 $500 $2,500 $0 $1,000 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 40 NATIONAL LOW INCOME HOUSING COALITION

47 Connecticut FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to 30% afford 2 BR to afford Annual 2 BR households households affordable renter wage needed to afford at mean at 30% 2 5 3 4 FMR afford 2 BR of AMI 2 BR FMR AMI FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI Connecticut 33% $89,400 $1,285 $2,235 443,163 $671 $26,820 $843 1.5 $16.21 $24.72 2.6 $51,420 Combined Nonmetro Areas 2.1 $1,036 1.9 $549 25% $19.93 $82,834 $2,071 $10.55 $24,850 $621 30,212 $41,453 Metropolitan Areas $25,890 $23.21 $21.81 2.4 1.1 $1,134 41,836 Bridgeport HMFA $86,300 $647 $2,158 $1,207 $48,280 33% 16% 1,370 $107,200 $804 $2,680 $1,199 $47,960 Colchester-Lebanon HMFA $32,160 $23.06 $15.37 2.4 1.5 $799 25% 3.6 1.6 $1,134 17,546 $31,620 $21.81 $34.13 $71,000 $1,775 $2,635 $791 Danbury HMFA $105,400 148,957 1.5 2.4 $15.11 $23.27 $25,500 $786 $48,400 $1,210 $2,125 $638 $85,000 Hartford-West Hartford-East Hartford HMFA * 33% 27% $29,040 $24.50 $13.17 2.6 1.9 $685 12,598 Milford-Ansonia-Seymour HMFA $96,800 $726 $2,420 $1,274 $50,960 $24,810 New Haven-Meriden HMFA $620 $2,068 $1,260 $50,400 38% $82,700 $24.23 $13.17 2.5 1.8 $685 79,671 $799 33,703 34% 2.2 1.4 Norwich-New London HMFA $75,700 $568 $1,893 $1,119 $44,760 $22,710 $21.52 $15.37 16% 3,220 $101,600 $762 $2,540 $1,324 $52,960 Southern Middlesex County HMFA $30,480 $25.46 $12.65 2.7 2.0 $658 34% 1.7 $1,134 45,789 $37.15 $39,390 3.9 $21.81 $77,280 $1,932 $3,283 $985 $131,300 Stamford-Norwalk HMFA $19,980 $66,600 $685 1.4 2.0 $13.17 $19.04 28,261 39% $39,600 $990 $1,665 $500 Waterbury HMFA Counties $89,300 $670 $2,233 $44,560 Litchfield County 17,102 $1,114 23% $26,790 $21.42 $11.25 2.2 1.9 $585 29% $37,400 $1,798 $539 $71,900 13,110 Windham County $935 $21,570 $17.98 $9.40 1.9 1.9 $489 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 41 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

48 TOWNS WITHIN CONNECTICUT FMR AREAS Bridgeport, CT HMFA FAIRFIELD COUNTY Bridgeport town, Easton town, Fairfield town, Monroe town, Shelton town, Stratford town, Trumbull town Colchester-Lebanon, CT HMFA NEW LONDON COUNTY Colchester town, Lebanon town Danbury, CT HMFA FAIRFIELD COUNTY Bethel town, Brookfield town, Danbury town, New Fairfield town, Newtown town, Redding town, Ridgefield town, Sherman town Hartford-West Hartford-East Hartford, CT HMFA HARTFORD COUNTY Avon town, Berlin town, Bloomfield town, Bristol town, Burlington town, Canton town, East Granby town, East Hartford town, East Windsor town, Enfield town, Farmington town, Glastonbury town, Granby town, Hartford town, Hartland town, Manchester town, Marlborough town, New Britain town, Newington town, Plainville town, Rocky Hill town, Simsbury town, South Windsor town, Southington town, Suffield town, West Hartford town, Wethersfield town, Windsor Locks town, Windsor town MIDDLESEX COUNTY Chester town, Cromwell town, Durham town, East Haddam town, East Hampton town, Haddam town, Middlefield town, Middletown town, Portland town TOLLAND COUNTY Andover town, Bolton town, Columbia town, Coventry town, Ellington town, Hebron town, Mansfield town, Somers town, Stafford town, Tolland town, Union town, Vernon town, Willington town Milford-Ansonia-Seymour, CT HMFA NEW HAVEN COUNTY Ansonia town, Beacon Falls town, Derby town, Milford town, Oxford town, Seymour town New Haven-Meriden, CT HMFA NEW HAVEN COUNTY Bethany town, Branford town, Cheshire town, East Haven town, Guilford town, Hamden town, Madison town, Meriden town, New Haven town, North Branford town, North Haven town, Orange town, Wallingford town, West Haven town, Woodbridge town 42 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

49 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 This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. 43 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

50 DELAWARE S TAT E . In order to $1,128 In Delaware, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * $3,762 annually. Assuming a 40-hour work week, $45,138 a household must earn monthly or 12 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $21.70 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS New Castle County $8.25 $23.27 Minimum Wage $16.03 Sussex County Average Renter Wage $19.46 2-Bedroom Housing Wage $21.70 $18.31 Kent County Number of Renter Households 96,186 28% Percent Renters $1,128 Two bedroom FMR 105 $1,825 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $834 renter wage ––––––––––––– $547 Rent affordable at 30% of AMI Rent affordable with full-time job paying $429 min wage 2.6 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,500 $1,500 $1,000 $500 $2,000 $0 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 44 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

51 Delaware FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter Monthly rent % of total hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% Annual 2 BR to afford households affordable households needed to afford renter wage at 30% at mean 3 2 4 5 FMR afford 2 BR of AMI FMR 2 BR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI Delaware $547 $16.03 2.6 $21.70 96,186 1.4 $1,825 $1,128 $21,897 $45,138 28% $834 $72,989 Metropolitan Areas $1,573 $18.31 29% $38,080 $952 17,205 $472 $62,900 Dover MSA † 2.2 $18,870 $17.36 2.8 1.3 $903 61,784 Philadelphia-Camden-Wilmington MSA * $80,300 $602 $2,008 $1,210 $48,400 31% $24,090 $23.27 Sussex County HMFA $10.92 $568 17,197 2.4 1.8 $61,800 $464 $1,545 $1,012 $40,480 22% $19.46 $18,540 Counties $38,080 $1,573 $472 $62,900 17,205 Kent County † 29% $18,870 $18.31 2.2 $952 $602 $17.36 $24,090 31% $48,400 $1,210 $2,008 2.8 $80,300 61,784 New Castle County * 1.3 $903 $23.27 $10.92 $19.46 $18,540 22% $40,480 $1,012 $1,545 $464 $61,800 17,197 Sussex County $568 1.8 2.4 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 45 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

52 DISTRICT OF COLUMBIA S TAT E RANKING . $1,623 In District of Columbia, the Fair Market Rent (FMR) for a two-bedroom apartment is * In order to afford this level of rent and utilities — without paying more than 30% of income on 2 annually. Assuming a 40-hour $5,410 monthly or $64,920 housing — a household must earn work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $31.21 HOUSING WAGE* STATE FACTS MOST EXPENSIVE COUNTIES $10.50 Minimum Wage $26.09 Average Renter Wage 2-Bedroom Housing Wage $31.21 Number of Renter Households 156,217 58% Percent Renters $1,623 Two bedroom FMR 119 $2,715 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $1,357 renter wage ––––––––––––– $815 Rent affordable at 30% of AMI Rent affordable with full-time job paying $546 min wage 3 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $3,000 $2,000 $1,000 $0 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 46 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

53 District of Columbia HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Monthly rent Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% Annual to afford 2 BR affordable households households needed to afford renter wage at 30% at mean 5 3 4 2 afford 2 BR FMR of AMI FMR AMI 2 BR FMR (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR renter wage of AMI District of Columbia $815 $31.21 156,217 $2,715 3.0 $108,600 $26.09 $32,580 $1,623 $64,920 1.2 $1,357 58% Metropolitan Areas $1,623 $1,357 156,217 Washington-Arlington-Alexandria HMFA * $108,600 $815 $2,715 1.2 $64,920 58% $32,580 $31.21 $26.09 3.0 Counties District of Columbia * $1,357 $26.09 $31.21 1.2 $32,580 58% $64,920 $1,623 $2,715 $815 3.0 $108,600 156,217 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 47 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

54 FLORIDA S TAT E RANKING . In order to $1,038 In Florida, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 17 $41,527 monthly or $3,461 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $19.96 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Monroe County Minimum Wage $8.05 $28.33 $14.49 Broward County Average Renter Wage $24.10 2-Bedroom Housing Wage Miami-Dade County $24.04 $19.96 2,444,564 Number of Renter Households $23.85 Palm Beach County Percent Renters 34% $20.04 Collier County $1,038 Two bedroom FMR 99 $1,442 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $754 renter wage ––––––––––––– $433 Rent affordable at 30% of AMI Rent affordable with full-time job paying $419 min wage 2.5 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 48 OUT OF REACH 2016

55 Florida AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS Monthly Monthly Annual income Estimated Hourly wage Full-time jobs at rent rent Full-time jobs at needed o % of total nece ssary to Monthly rent Renter 1 fford to a Annual 2 BR 30% needed to a fford o 2 BR afford 2 2 BR FMR FMR M 2 BR FMR FMR afford 2 BR Florida $41,527 $1,038 $1,442 1.4 2,444,564 $57,685 $17,305 $14.49 $19.96 34% $433 $754 2.5 Combined Nonmetro Areas $559 65,981 $370 $14,816 $49,385 $32,707 $1,235 1.5 2.0 $10.75 $15.72 27% $818 Metropolitan Areas 23% $430 $60,400 $453 $1,510 $724 $28,960 Baker County HMFA $18,120 $13.92 1,932 $8.27 1.7 1.7 Cape Coral-Fort Myers MSA $36,440 $16,920 $911 $1,410 $423 $56,400 31% $13.08 $17.52 2.2 75,574 $680 1.3 35% Crestview-Fort Walton Beach-Destin HMFA $12.35 $478 $1,593 $930 $37,200 $63,700 $19,110 26,057 $642 1.4 2.2 $17.88 $11.09 2.1 1.6 $577 Deltona-Daytona Beach-Ormond Beach HMFA $51,400 $386 $1,285 $896 $35,840 29% $15,420 $17.23 57,231 35% $18,270 $24.10 $16.17 3.0 1.5 $841 236,902 Fort Lauderdale HMFA $60,900 $457 $1,523 $1,253 $50,120 $17,910 45,887 $448 $1,493 $887 $35,480 45% $59,700 $17.06 $10.79 2.1 1.6 $561 Gainesville MSA Gulf County HMFA $45,700 $343 $1,143 $738 $29,520 28% $13,710 $14.19 $9.74 1.8 1.5 $506 1,514 11,238 19% $14.92 $10.02 1.9 1.5 $521 $15,690 $31,040 $776 $1,308 $392 $52,300 Homosassa Springs MSA 34% $771 1.2 2.3 $14.82 $18.46 $19,470 174,859 $38,400 $960 $1,623 $487 $64,900 Jacksonville HMFA 1.3 2.2 $13.28 $17.33 $15,540 30% $36,040 $901 $1,295 $389 $51,800 Lakeland-Winter Haven MSA $690 67,112 $50,000 45% $14,430 $24.04 $16.01 3.0 1.5 $832 375,409 Miami-Miami Beach-Kendall HMFA $48,100 $361 $1,203 $1,250 $19,710 Naples-Immokalee-Marco Island MSA $733 1.4 2.5 $14.09 $20.04 34,273 27% $41,680 $1,042 $1,643 $493 $65,700 85,266 North Port-Sarasota-Bradenton MSA $716 1.4 2.3 $13.76 $18.73 $18,570 28% $38,960 $974 $1,548 $464 $61,900 $31,200 32,089 $1,188 $356 $47,500 Ocala MSA $780 $15.00 $11.57 1.9 1.3 $602 24% $14,250 $17,340 295,184 $434 $1,445 $1,003 $40,120 38% $57,800 $19.29 $14.33 2.4 1.3 $745 Orlando-Kissimmee-Sanford MSA $720 61,202 1.2 2.1 $13.85 $16.77 $17,490 28% $34,880 $872 $1,458 $437 $58,300 Palm Bay-Melbourne-Titusville MSA $15,870 $17.83 $11.29 2.2 1.6 $587 $37,080 $927 $1,323 $397 $52,900 Palm Coast HMFA 20% 7,279 26,016 1.4 2.1 $12.40 $16.94 $16,560 $645 $35,240 $881 $1,380 $414 $55,200 Panama City-Lynn Haven-Panama City Beach HMFA 39% $33,520 34% $17,880 $16.12 $12.70 2.0 1.3 $660 57,603 Pensacola-Ferry Pass-Brent MSA $59,600 $447 $1,490 $838 43,114 Port St. Lucie MSA $56,300 $422 $1,408 $923 $36,920 26% $16,890 $17.75 $11.89 2.2 1.5 $618 $11.53 $33,920 $1,310 15,147 $52,400 Punta Gorda MSA $600 21% $15,720 $16.31 $848 2.0 1.4 $393 * 50th percentile FMR (See Appendix A). 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 49 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

56 Florida HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent % of total Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR affordable households households renter wage needed to afford at mean at 30% 5 3 4 2 FMR afford 2 BR of AMI FMR AMI 2 BR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage $52,800 $396 $1,320 $833 $33,320 26% Sebastian-Vero Beach MSA $16.02 $11.54 2.0 1.4 $600 14,777 $15,840 Sebring MSA $43,300 $325 $1,083 $737 $29,480 23% $12,990 $14.17 $10.17 1.8 1.4 $529 9,222 $19,530 Tallahassee HMFA $488 $1,628 $914 $36,560 44% $65,100 $17.58 $10.49 2.2 1.7 $545 58,129 Tampa-St. Petersburg-Clearwater MSA $59,200 $444 $1,480 $992 $39,680 35% $17,760 $19.08 $15.19 2.4 394,306 $790 1.3 The Villages MSA $62,100 $1,553 $728 $29,120 10% $18,630 $14.00 $10.48 1.7 1.3 $545 4,461 $466 $61,500 $15.35 $1,538 $798 $31,920 24% $18,450 Wakulla County HMFA $7.68 1.9 2.0 $399 2,616 $461 $14.83 Walton County HMFA $1,450 $771 $30,840 27% $17,400 $435 $11.48 1.8 1.3 $597 6,216 $58,000 157,968 West Palm Beach-Boca Raton HMFA * $65,400 $491 $1,635 $1,240 $49,600 30% $19,620 $23.85 $16.76 $872 1.4 3.0 Counties $59,700 46% $1,493 $17,910 $448 $17.06 $10.80 2.1 $887 1.6 $561 Alachua County 44,665 $35,480 $18,120 $60,400 $1,510 $724 $28,960 1,932 23% $453 $13.92 $8.27 Baker County 1.7 1.7 $430 39% $645 2.1 $12.40 Bay County 26,016 $16.94 $16,560 1.4 $35,240 $881 $1,380 $414 $55,200 1.4 $447 2,133 $50,900 $382 $1,273 $634 $25,360 24% $15,270 $12.19 $8.60 1.5 Bradford County $17,490 Brevard County $437 $1,458 $872 $34,880 28% $58,300 $16.77 $13.85 2.1 1.2 $720 61,202 $841 236,902 $60,900 $457 $1,523 $1,253 $50,120 35% $18,270 $24.10 $16.17 3.0 1.5 Broward County $442 Calhoun County 1,021 $40,400 $303 $1,010 $634 $25,360 21% $12,120 $12.19 $8.50 1.5 1.4 $848 $600 $11.53 $16.31 $15,720 21% $33,920 2.0 $1,310 $393 $52,400 15,147 Charlotte County 1.4 1.5 1.9 $10.02 $14.92 $15,690 19% $31,040 $776 $1,308 $392 $52,300 11,238 Citrus County $521 25% $589 $64,900 $487 $1,623 $960 $38,400 16,786 $19,470 $18.46 $11.33 2.3 1.6 Clay County $1,042 Collier County 34,273 $65,700 $493 $1,643 $41,680 27% $19,710 $20.04 $14.09 2.5 1.4 $733 2.1 $558 Columbia County 6,729 $57,800 $434 $1,445 $874 $34,960 28% $17,340 $16.81 $10.74 1.6 $553 1.2 1.6 $10.64 $13.06 $11,880 $27,160 $679 $990 $297 $39,600 3,053 DeSoto County 28% $25,920 1.1 1,303 $44,100 $331 $1,103 $648 Dixie County 22% $13,230 $12.46 $11.48 1.5 $597 40% $19,470 $18.46 $15.73 2.3 1.2 $818 Duval County 132,839 $64,900 $487 $1,623 $960 $38,400 $16.12 38% $59,600 $447 $1,490 $838 $17,880 42,248 $13.21 2.0 1.2 $687 $33,520 Escambia County 7,279 $52,900 $397 $1,323 $927 $37,080 20% Flagler County 1.6 2.2 $11.29 $17.83 $15,870 $587 Franklin County $49,900 $374 $1,248 $723 $28,920 1,147 $14,970 $13.90 $8.81 1.7 1.6 $458 27% * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 50 OUT OF REACH 2016 •

57 Florida RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Annual income Full-time jobs at Full-time jobs at Estimated rent rent ed need nece ssary to mean Monthly rent renter % of total Renter hou minimum wage rly mean affordable affordable 1 to afford afford 2 BR 2 BR Annual affordable wage needed to hou seholds 30% hous eholds renter wage needed to afford at 30% at mean 4 3 5 2 2 BR FMR R AMI FM FMR at AMI afford 2 BR (2010-2014) MI (2010-2014) of A 2 BR FMR (2016) of AMI renter wage $488 $1,628 Gadsden County $914 $36,560 4,898 $19,530 $17.58 $65,100 $8.48 2.2 2.1 $441 29% $17.06 $538 1.6 2.1 $10.35 Gilchrist County $17,910 19% $35,480 $887 $1,493 $448 $59,700 1,222 $30,360 $608 1,002 $38,300 $287 $958 $759 Glades County 26% $11,490 $14.60 $11.70 1.8 1.2 1.5 $9.74 $14.19 $13,710 28% $29,520 $738 $1,143 $506 $343 $45,700 1,514 Gulf County 1.8 $12.19 1,215 $1,188 $634 $25,360 26% $14,250 $356 $11.86 1.5 1.0 $617 $47,500 Hamilton County $41,900 Hardee County $508 1.3 1.6 $9.77 $12.60 $12,570 28% $26,200 $655 $1,048 $314 2,132 $30,440 $563 1.4 1.8 $10.83 $14.63 $12,510 30% $761 $1,043 $313 $41,700 3,324 Hendry County Hernando County $59,200 $444 $1,480 $992 $39,680 15,116 $17,760 $19.08 $10.87 2.4 1.8 $565 22% $14.17 $10.17 1.8 1.4 $529 $1,083 $43,300 9,222 Highlands County $737 $29,480 23% $325 $12,990 $59,200 $444 $1,480 $992 $39,680 41% $17,760 $19.08 $15.75 2.4 1.2 $819 Hillsborough County 194,408 20% $318 $46,900 $352 $1,173 $634 $25,360 1,340 $14,070 $12.19 $6.11 1.5 2.0 Holmes County $600 Indian River County 14,777 $52,800 $396 $1,320 $833 $33,320 26% $15,840 $16.02 $11.54 2.0 1.4 $399 Jackson County 4,002 $49,300 $370 $1,233 $634 $25,360 25% $14,790 $12.19 $7.67 1.5 1.6 25% Jefferson County $65,100 $488 $1,628 $914 $36,560 1,361 $19,530 $17.58 $6.99 2.2 2.5 $363 $405 Lafayette County 557 $1,350 $634 $25,360 21% $54,000 $16,200 $12.19 $7.15 1.5 1.7 $372 26% $57,800 Lake County $434 $1,445 $1,003 $40,120 30,013 $17,340 $11.05 2.4 1.7 $574 $19.29 75,574 $56,400 $423 $1,410 $911 $36,440 31% $16,920 $17.52 $13.08 2.2 1.3 $680 Lee County 47% Leon County $65,100 $488 $1,628 $914 $36,560 51,870 $19,530 $17.58 $10.73 2.2 1.6 $558 1.5 $435 $12,720 $8.37 1.5 Levy County 3,677 $42,400 $318 $1,060 $634 $25,360 24% $12.19 $25,360 1.0 1.5 $12.47 $12.19 $16,080 22% $648 $634 $1,340 $402 $53,600 510 Liberty County $12.19 $8.11 1.5 1.5 $422 $25,360 $634 $1,040 $312 $41,600 1,488 Madison County 22% $12,480 $619 Manatee County 39,474 $1,548 $974 $38,960 30% $18,570 $18.73 $11.90 2.3 1.6 $61,900 $464 24% Marion County $47,500 $356 $1,188 $780 $31,200 32,089 $14,250 $15.00 $11.57 1.9 1.3 $602 $644 Martin County 14,534 $56,300 $422 $1,408 $923 $36,920 24% $16,890 $17.75 $12.39 2.2 1.4 $14,430 $1,250 $48,100 $361 $1,203 $50,000 45% 375,409 $24.04 $16.01 3.0 1.5 $832 Miami-Dade County $702 11,213 $72,500 $544 $1,813 $1,473 $58,920 39% $21,750 $28.33 $13.50 3.5 2.1 Monroe County $19,470 $18.46 $11.65 2.3 1.6 $487 $606 Nassau County 6,300 $1,623 $960 $38,400 22% $64,900 26,057 $63,700 $478 $1,593 $930 $37,200 35% $19,110 $17.88 $12.35 2.2 1.4 $642 Okaloosa County $601 28% 3,675 $44,300 $332 $1,108 $701 Okeechobee County 1.2 1.7 $11.55 $13.48 $13,290 $28,040 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 51 OUT OF REACH 2016 •

58 Florida HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Full-time jobs at Estimated essary to nec mea n renter ded nee Monthly rent % of total Renter affordable affordable min imum wage rly mean hou 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable at mean at 30% renter wage needed to afford 3 5 2 4 FMR afford 2 BR of AMI 2 BR FMR I FMR AM (2010-2014) at AMI (2010-2014) renter wage of AMI (2016) 2 BR FMR $1,003 $1,445 $19.29 $17,340 $57,800 186,283 Orange County 1.3 $434 44% 2.4 $786 $40,120 $15.12 37% $40,120 $1,003 $1,445 $434 $57,800 $17,340 33,903 Osceola County $19.29 $12.04 2.4 1.6 $626 30% $872 $65,400 $491 $1,635 $1,240 $49,600 157,968 $19,620 $23.85 $16.76 3.0 1.4 Palm Beach County * Pasco County $17,760 $39,680 $19.08 $12.03 2.4 1.6 $626 $444 $992 $1,480 25% 45,791 $59,200 $807 138,991 $59,200 $444 $1,480 $992 Pinellas County 35% $17,760 $19.08 $15.52 2.4 1.2 $39,680 1.3 2.2 $13.28 $17.33 $15,540 30% $36,040 $901 $1,295 $389 $51,800 67,112 Polk County $690 $25,360 1.2 6,905 $44,500 $334 $1,113 $634 Putnam County 25% $13,350 $12.19 $9.83 1.5 $511 $487 $1,623 $960 $38,400 24% $19,470 $18.46 $11.47 2.3 1.6 $597 St. Johns County 18,934 $64,900 $36,920 $594 28,580 $56,300 $422 $1,408 $923 St. Lucie County 27% $16,890 $17.75 $11.42 2.2 1.6 $559 2.0 Santa Rosa County 15,355 $59,600 $447 $1,490 $838 $33,520 27% $17,880 $16.12 $10.74 1.5 27% $784 $61,900 $464 $1,548 $974 $38,960 45,792 $18,570 $18.73 $15.08 2.3 1.2 Sarasota County 1.4 Seminole County 44,985 $57,800 $434 $1,445 $1,003 $40,120 30% $17,340 $19.29 $13.51 2.4 $702 $62,100 $466 $1,553 $728 $29,120 10% $18,630 $14.00 $10.48 1.7 1.3 $545 Sumter County 4,461 $13,470 Suwannee County $337 $1,123 $634 $25,360 30% $44,900 $12.19 $8.23 1.5 1.5 $428 4,637 $744 1,768 $43,800 $329 $1,095 $634 $25,360 24% $13,140 $12.19 $14.31 1.5 0.9 Taylor County $14,880 Union County 1,239 $49,600 $372 $1,240 $634 $25,360 32% $12.19 $12.06 1.5 1.0 $627 Volusia County $15,420 $896 $1,285 $386 $51,400 57,231 $35,840 $17.23 $11.09 2.1 1.6 $577 29% $461 2.0 $399 $61,500 $1,538 $798 2,616 Wakulla County $31,920 24% $18,450 $15.35 $7.68 1.9 $771 $30,840 $58,000 $435 27% $1,450 Walton County 6,216 $597 1.3 1.8 $11.48 $14.83 $17,400 Washington County $634 $1,158 $347 $46,300 1,911 $464 1.4 1.5 $8.92 $12.19 $13,890 23% $25,360 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 52 OUT OF REACH 2016 •

59 GEORGIA S TAT E . In order to $848 In Georgia, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * 27 $33,908 monthly or $2,826 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $16.30 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Atlanta-Sandy Springs-Marietta HMFA Minimum Wage $7.25 $18.25 $14.58 Savannah MSA Average Renter Wage $17.25 2-Bedroom Housing Wage Talbot County $16.25 $16.30 1,268,689 Number of Renter Households $16.21 Liberty County Percent Renters 36% $15.94 Hall County $848 Two bedroom FMR 90 $1,500 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $758 renter wage ––––––––––––– $450 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 53 OUT OF REACH 2016

60 Georgia HOUSING COSTS RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 30% Annual 2 BR affordable households households renter wage needed to afford at 30% at mean 5 3 4 2 afford 2 BR FMR 2 BR FMR FMR of AMI AMI (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR renter wage of AMI Georgia $1,500 $450 $758 1.1 $17,994 $16.30 36% $33,908 $848 $59,981 2.2 $14.58 1,268,689 Combined Nonmetro Areas 1.8 $14,066 $46,885 212,866 $515 1.3 $352 $9.89 $1,172 $12.96 33% $26,956 $674 Metropolitan Areas $313 $41,700 1.2 Albany MSA 1.9 $11.77 $13.71 $12,510 44% $28,520 $713 $1,043 $612 25,425 $56,100 $1,403 $759 $30,360 44% $16,830 $14.60 $10.75 2.0 1.4 $421 $559 30,390 Athens-Clarke County MSA $20,250 Atlanta-Sandy Springs-Roswell HMFA $506 $1,688 $949 $37,960 36% $67,500 $18.25 $16.58 2.5 1.1 $862 675,730 $634 48,101 1.2 1.9 $12.19 $14.13 $17,700 Augusta-Richmond County HMFA $29,400 $735 $1,475 $443 $59,000 36% 14,734 $49,700 $373 $1,243 $792 $31,680 Brunswick MSA $14,910 $15.23 $10.43 2.1 1.5 $542 34% 1,998 $15.31 $19,020 26% $796 $1,585 $476 $63,400 Butts County HMFA $7.79 2.0 $405 2.1 $31,840 $14.75 $9.25 2.0 1.6 $481 14,734 Chattanooga MSA $61,300 $460 $1,533 $767 $30,680 26% $18,390 45% 1.1 $51,800 $389 $1,295 $777 $31,080 Columbus MSA $15,540 $14.94 $14.09 2.1 $733 40,161 12,370 Dalton HMFA $45,300 $340 $1,133 $677 $27,080 36% $13,590 $13.02 $13.51 1.8 1.0 $703 $15,900 20,058 $398 $1,325 $829 $33,160 33% $53,000 $15.94 $13.23 2.2 1.2 $688 Gainesville MSA $11.55 Haralson County HMFA $50,400 $378 $1,260 $745 $29,800 30% $15,120 3,172 $600 1.2 2.0 $14.33 $14,010 $16.21 $13.73 2.2 1.2 $714 11,654 Hinesville HMFA $46,700 $350 $1,168 $843 $33,720 51% $12.40 Lamar County HMFA 1.7 1.6 $410 1,836 $51,100 $383 $1,278 $645 $25,800 29% $15,330 $7.89 23% $12.40 1.3 $485 794 $13,200 $9.32 1.7 $25,800 $645 $1,100 $330 $44,000 Lincoln County HMFA Long County HMFA $8.71 1.7 1.4 $453 1,703 $51,900 $389 $1,298 $645 $25,800 34% $15,570 $12.40 $1,203 $705 $28,200 40% $565 29,900 $14,430 1.9 1.2 Macon HMFA $48,100 $361 $13.56 $10.87 $13,410 Meriwether County HMFA $335 $1,118 $649 $25,960 33% $44,700 $12.48 $10.32 1.7 1.2 $537 2,676 $487 2,406 1.4 1.8 $9.37 $12.83 $17,700 Monroe County HMFA $26,680 $667 $1,475 $443 $59,000 25% 1,347 $56,500 $424 $1,413 $667 $26,680 Morgan County, GA HMFA $16,950 $12.83 $10.93 1.8 1.2 $568 21% $580 4,618 33% $25,800 $645 $1,150 $345 $46,000 Murray County HMFA $13,800 1.7 1.1 $11.15 $12.40 $16,170 $12.67 $8.89 1.7 1.4 $463 3,384 Peach County HMFA $53,900 $404 $1,348 $659 $26,360 35% † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 54 OUT OF REACH 2016 •

61 Georgia HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly urly wage Ho Full-time jobs at rent rent Annual income Full-time jobs at Estimate d necessary to Monthly rent mean renter affordable affordable needed % of total Renter minimum wage hourly mean 1 afford 2 BR affordable wage needed to 30% at 30% at mean to afford 2 BR Annual households households needed to afford renter wage 4 5 3 2 at AMI afford 2 BR FMR of AMI of AMI renter wage AMI FMR 2 BR FMR (2010-2014) (2010-2014) (2016) 2 BR FMR $49,500 Pulaski County HMFA 1.7 1.2 $540 $10.38 1,526 $14,850 37% $25,800 $12.40 $645 $1,238 $371 $14,580 $621 Rome MSA $48,600 $365 1.1 $1,215 $670 $26,800 38% 1.8 $12.88 13,326 $11.93 $17.25 40% $35,880 $897 $13.81 2.4 $19,050 $718 53,135 $1,588 $476 $63,500 Savannah MSA 1.2 1.4 $516 22,749 $377 $50,300 Valdosta MSA $13.46 $15,090 44% $28,000 $700 $1,258 $9.92 1.9 Warner Robins HMFA $59,300 $445 $1,483 $806 $32,240 34% $17,790 $15.50 $9.64 2.1 1.6 $501 17,896 Counties Appling County $766 0.8 1.7 $14.72 $12.40 2,351 34% $25,800 $645 $1,145 $344 $45,800 $13,740 $35,400 $266 $885 $645 $25,800 Atkinson County $10,620 $12.40 $8.27 1.7 1.5 $430 769 28% Bacon County 1,197 $49,400 $371 $1,235 $645 $25,800 30% $14,820 $12.40 $7.70 1.7 1.6 $401 $313 1.9 $12,510 26% $28,520 $713 $1,043 $13.71 $41,700 348 Baker County 1.7 $424 $8.15 $480 7,238 $50,000 $375 $1,250 $703 $28,120 45% $15,000 $13.52 $9.24 1.9 1.5 Baldwin County 1.4 Banks County 1,557 $52,900 $397 $1,323 $657 $26,280 23% $15,870 $12.63 $9.34 1.7 $485 $1,688 2.5 $18.25 $20,250 23% $37,960 $949 $11.37 $506 $67,500 5,415 Barrow County $591 1.6 2.5 $20,250 1.4 $660 33% $37,960 $949 $1,688 $506 $67,500 11,681 Bartow County $18.25 $12.70 $10,860 Ben Hill County $272 $905 $647 $25,880 34% $36,200 $12.44 $8.03 1.7 1.6 $417 2,138 Berrien County 1,936 $43,700 $328 $1,093 $645 $25,800 27% $13,110 $12.40 $8.69 1.7 1.4 $452 $576 Bibb County 26,201 $48,100 $361 $1,203 $705 $28,200 46% $14,430 $13.56 $11.07 1.9 1.2 $645 2.0 1.7 $6.10 $12.40 30% $25,800 $14,340 $1,195 $359 $47,800 1,198 Bleckley County $317 $14,910 Brantley County $373 $1,243 $792 $31,680 22% $49,700 $15.23 $8.84 2.1 1.7 $460 1,420 Brooks County 1,988 $50,300 $377 $1,258 $700 $28,000 30% $15,090 $13.46 $10.20 1.9 1.3 $530 1.9 Bryan County 3,407 $63,500 $476 $1,588 $897 $35,880 30% $19,050 $17.25 $8.85 2.4 $460 $12.62 $8.49 1.7 1.5 $441 Bulloch County 12,813 $50,000 $375 $1,250 $656 $26,240 50% $15,000 $443 $17,700 1.9 0.9 Burke County 2,221 $59,000 $15.80 $1,475 $735 $29,400 28% $821 $14.13 $15.31 1,998 $63,400 $476 $1,585 $796 $31,840 26% $19,020 $405 2.0 2.1 $7.79 Butts County 35% $25,800 $645 $1,015 $305 $40,600 617 Calhoun County $451 1.4 1.7 $8.66 $12.40 $12,180 $779 7,178 $61,700 $463 $1,543 $814 Camden County 39% $18,510 $15.65 $14.98 2.2 1.0 $32,560 1.4 $8.86 $12.40 $13,080 35% $25,800 $645 $1,090 $327 $43,600 1,380 Candler County $461 1.7 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 55

62 Georgia RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at ren rent t n renter mea nec essary to needed Monthly rent Renter % of total rly mean min hou imum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR hou hou affordable seholds seholds needed to afford renter wage at mean at 30% 3 2 5 4 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage $37,960 35% Carroll County $20,250 $506 $18.25 $10.63 $1,688 2.5 $949 14,036 1.7 $553 $67,500 $472 26% $30,680 $767 $1,533 $460 $61,300 6,118 $18,390 Catoosa County $14.75 $9.08 2.0 1.6 $25,800 $360 762 $51,400 $386 $1,285 $645 Charlton County 21% $15,420 $12.40 $6.91 1.7 1.8 $897 $476 $19,050 $17.25 $14.12 2.4 1.2 $734 $63,500 $35,880 45,649 Chatham County $1,588 44% 72% Chattahoochee County $51,800 $389 $1,295 $777 $31,080 1,872 $15,540 $14.94 $25.76 2.1 0.6 $1,340 $526 Chattooga County 2,928 $41,700 $313 $1,043 $645 $25,800 31% $12,510 $12.40 $10.11 1.7 1.2 $20,250 $949 $67,500 $506 $1,688 $37,960 22% 16,874 $18.25 $10.88 2.5 1.7 $566 Cherokee County $573 24,178 $56,100 $421 $1,403 $759 $30,360 57% $16,830 $14.60 $11.03 2.0 1.3 Clarke County $8,730 $12.92 $7.16 1.8 1.8 $218 $372 Clay County $29,100 504 $672 $26,880 43% $728 40,357 $67,500 $506 $1,688 $949 $37,960 46% $20,250 $18.25 $16.98 2.5 1.1 $883 Clayton County 33% $405 $43,900 $329 $1,098 $645 $25,800 857 $13,170 $12.40 $7.79 1.7 1.6 Clinch County $16.17 Cobb County 92,761 $67,500 $506 $1,688 $949 $37,960 35% $20,250 $18.25 2.5 1.1 $841 $480 Coffee County 4,769 $43,100 $323 $1,078 $645 $25,800 33% $12,930 $12.40 $9.23 1.7 1.3 35% Colquitt County $39,800 $299 $995 $645 $25,800 5,631 $11,940 $12.40 $8.83 1.7 1.4 $459 $59,000 Columbia County $443 $1,475 $735 $29,400 21% 9,504 $17,700 $14.13 $10.96 1.9 1.3 $570 30% 1,865 $44,900 $337 $1,123 $645 $25,800 Cook County $12.40 $9.65 1.7 1.3 $502 $13,470 Coweta County 12,363 $67,500 $506 $1,688 $949 $37,960 26% $20,250 $18.25 $10.23 2.5 1.8 $532 19% Crawford County $48,100 $361 $1,203 $705 $28,200 904 $14,430 $13.56 $8.69 1.9 1.6 $452 1.5 $425 $13,230 $8.17 1.7 Crisp County 3,366 $44,100 $331 $1,103 $645 $25,800 39% $12.40 $30,680 1.6 2.0 $9.45 $14.75 $18,390 21% $491 $767 $1,533 $460 $61,300 1,285 Dade County $18.25 $8.28 2.5 2.2 $431 $37,960 $949 $1,688 $506 $67,500 2,044 Dawson County 25% $20,250 $12.52 $8.00 1.7 1.6 $416 Decatur County $327 $1,090 $651 $26,040 37% $13,080 3,841 $43,600 44% DeKalb County $67,500 $506 $1,688 $949 $37,960 116,336 $20,250 $18.25 $16.84 2.5 1.1 $875 $335 Dodge County 2,935 $51,400 $386 $1,285 $645 $25,800 36% $15,420 $12.40 $6.45 1.7 1.9 $11,880 $645 $39,600 $297 $990 $25,800 32% 1,584 $12.40 $8.60 1.7 1.4 $447 Dooly County $623 19,111 $41,700 $313 $1,043 $713 $28,520 54% $12,510 $13.71 $11.99 1.9 1.1 Dougherty County 31% $20,250 $18.25 $11.42 2.5 $67,500 1.6 $594 Douglas County $506 $1,688 $949 $37,960 14,595 Early County 1,378 $41,800 $314 $1,045 $645 $25,800 34% $12,540 $12.40 $11.29 1.7 1.1 $587 $559 36% 516 $50,300 $377 $1,258 $700 Echols County 1.3 1.9 $10.75 $13.46 $15,090 $28,000 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 56 OUT OF REACH 2016 •

63 Georgia HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at t ren rent mea essary to nec n renter needed % of total Renter Monthly rent hou imum wage rly mean min affordable affordable 1 wage needed to afford 2 BR to afford Annual 30% 2 BR affordable hou hou seholds seholds renter wage needed to afford at 30% at mean 5 4 3 2 FMR afford 2 BR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI $897 Effingham County $35,880 4,079 23% $19,050 $17.25 $12.04 2.4 $476 $63,500 1.4 $1,588 $626 $8.92 $12.40 32% $12,750 $464 $25,800 $645 $1,063 1.4 $319 $42,500 2,506 Elbert County 1.7 $25,800 $484 2,612 $38,400 $288 $960 $645 Emanuel County 33% $11,520 $12.40 $9.30 1.7 1.3 $14,280 $47,600 1,447 Evans County $25,800 1.7 1.2 $536 $12.40 $645 $1,190 $357 37% $10.31 23% Fannin County $41,900 $314 $1,048 $677 $27,080 2,223 $12,570 $13.02 $8.20 1.8 1.6 $427 $527 Fayette County 7,063 $67,500 $506 $1,688 $949 $37,960 18% $20,250 $18.25 $10.13 2.5 1.8 $14,580 $670 $48,600 $365 $1,215 $26,800 38% 13,326 $12.88 $11.93 1.8 1.1 $621 Floyd County $577 8,900 $67,500 $506 $1,688 $949 $37,960 15% $20,250 $18.25 $11.09 2.5 1.6 Forsyth County $14,130 $12.62 $9.83 1.7 1.3 $353 $511 Franklin County $47,100 $1,178 2,620 $26,240 31% $656 176,985 $67,500 $506 $1,688 $949 $37,960 47% $20,250 $18.25 $20.81 2.5 0.9 $1,082 Fulton County 25% $387 $45,800 $344 $1,145 $702 $28,080 2,761 $13,740 $13.50 $7.45 1.9 1.8 Gilmer County 1.7 Glascock County 279 $50,600 $380 $1,265 $645 $25,800 24% $15,180 $12.40 $9.39 1.3 $488 $556 Glynn County 12,317 $49,700 $373 $1,243 $792 $31,680 39% $14,910 $15.23 $10.69 2.1 1.4 33% Gordon County $50,100 $376 $1,253 $694 $27,760 6,450 $15,030 $13.35 $11.86 1.8 1.1 $616 $39,800 Grady County $299 $995 $645 $25,800 42% 3,920 $11,940 $12.40 $8.72 1.7 1.4 $454 26% 1,674 $52,300 $392 $1,308 $661 $26,440 Greene County $12.71 $7.90 1.8 1.6 $411 $15,690 Gwinnett County 87,899 $67,500 $506 $1,688 $949 $37,960 32% $20,250 $18.25 $15.12 2.5 1.2 $786 24% Habersham County $49,900 $374 $1,248 $656 $26,240 3,580 $14,970 $12.62 $9.80 1.7 1.3 $510 1.2 $688 $15,900 $13.23 2.2 Hall County 20,058 $53,000 $398 $1,325 $829 $33,160 33% $15.94 $25,800 1.1 1.7 $11.76 $12.40 $11,010 21% $611 $645 $918 $275 $36,700 597 Hancock County $14.33 $11.55 2.0 1.2 $600 $29,800 $745 $1,260 $378 $50,400 3,172 Haralson County 30% $15,120 $14.94 $6.42 2.1 2.3 $334 Harris County $389 $1,295 $777 $31,080 14% $15,540 1,674 $51,800 25% Hart County $48,700 $365 $1,218 $645 $25,800 2,487 $14,610 $12.40 $9.01 1.7 1.4 $469 $664 Heard County 1,086 $67,500 $506 $1,688 $949 $37,960 25% $20,250 $18.25 $12.77 2.5 1.4 $20,250 $949 $67,500 $506 $1,688 $37,960 26% 18,217 $18.25 $10.91 2.5 1.7 $567 Henry County $501 17,896 $59,300 $445 $1,483 $806 $32,240 34% $17,790 $15.50 $9.64 2.1 1.6 Houston County 27% $15,420 $12.40 $7.45 1.7 $51,400 1.7 $387 Irwin County $386 $1,285 $645 $25,800 909 Jackson County 4,699 $62,700 $470 $1,568 $777 $31,080 22% $18,810 $14.94 $9.67 2.1 1.5 $503 $442 25% 1,306 $67,500 $506 $1,688 $949 Jasper County 2.1 2.5 $8.50 $18.25 $20,250 $37,960 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 57 OUT OF REACH 2016 •

64 Georgia RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at rent ren t nec essary to n renter mea nee ded Monthly rent % of total Renter hou rly mean min imum wage affordable affordable 1 afford 2 BR Annual wage needed to 2 BR to afford 30% seholds affordable hou hou seholds renter wage needed to afford at 30% at mean 4 2 3 5 AM 2 BR FMR FMR afford 2 BR I FMR of AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI $25,800 Jeff Davis County $43,700 1,322 25% $13,110 $12.40 $328 $8.30 1.7 $1,093 1.5 $645 $432 37% $10.43 $12.40 $10,710 $542 $25,800 1.2 $645 $893 $268 $35,700 2,251 Jefferson County 1.7 $25,800 $399 1,060 $36,400 $273 $910 $645 Jenkins County 31% $10,920 $12.40 $7.66 1.7 1.6 $6.51 $44,800 819 Johnson County $13,440 $338 1.7 25% $25,800 $645 $1,120 $336 $12.40 1.9 21% Jones County $48,100 $361 $1,203 $705 $28,200 2,132 $14,430 $13.56 $7.93 1.9 1.7 $412 $410 Lamar County 1,836 $51,100 $383 $1,278 $645 $25,800 29% $15,330 $12.40 $7.89 1.7 1.6 $15,090 $700 $50,300 $377 $1,258 $28,000 36% 1,360 $13.46 $6.54 1.9 2.1 $340 Lanier County $480 6,358 $45,100 $338 $1,128 $645 $25,800 36% $13,530 $12.40 $9.23 1.7 1.3 Laurens County $13.15 1.9 1.0 $684 $41,700 $713 2,744 Lee County $1,043 $28,520 $313 $12,510 $13.71 27% $350 $1,168 $843 $33,720 51% $14,010 $16.21 $13.73 2.2 1.2 $714 Liberty County 11,654 $46,700 23% $485 $44,000 $330 $1,100 $645 $25,800 794 $13,200 $12.40 $9.32 1.7 1.3 Lincoln County $453 Long County 1,703 $51,900 $389 $1,298 $645 $25,800 34% $15,570 $12.40 $8.71 1.7 1.4 $519 Lowndes County 18,885 $50,300 $377 $1,258 $700 $28,000 48% $15,090 $13.46 $9.97 1.9 1.3 36% Lumpkin County $58,300 $437 $1,458 $723 $28,920 3,942 $17,490 $13.90 $8.06 1.9 1.7 $419 $1,475 McDuffie County 2,835 $59,000 $735 $29,400 35% $443 $17,700 $14.13 $8.26 1.9 1.7 $430 20% $373 997 McIntosh County $1,243 $792 $31,680 $49,700 $14,910 $15.23 2.1 2.7 $299 $5.74 $38,700 $290 $968 $645 $25,800 35% $11,610 $12.40 $9.48 1.7 1.3 $493 Macon County 1,614 26% Madison County $56,100 $421 $1,403 $759 $30,360 2,583 $16,830 $14.60 $8.39 2.0 1.7 $436 1.6 $490 $15,540 $9.43 2.1 Marion County 937 $51,800 $389 $1,295 $777 $31,080 30% $14.94 $25,960 1.2 1.7 $10.32 $12.48 $13,410 33% $537 $649 $1,118 $335 $44,700 2,676 Meriwether County $12.40 $7.17 1.7 1.7 $373 $25,800 $645 $1,053 $316 $42,100 650 Miller County 27% $12,630 Mitchell County 2,926 36% $12,780 $13.25 $6.69 1.8 2.0 $348 $42,600 $689 $27,560 $320 $1,065 25% Monroe County $59,000 $443 $1,475 $667 $26,680 2,406 $17,700 $12.83 $9.37 1.8 1.4 $487 $483 Montgomery County 865 $44,100 $331 $1,103 $645 $25,800 27% $13,230 $12.40 $9.28 1.7 1.3 $16,950 $667 $56,500 $424 $1,413 $26,680 21% 1,347 $12.83 $10.93 1.8 1.2 $568 Morgan County $580 4,618 $46,000 $345 $1,150 $645 $25,800 33% $13,800 $12.40 $11.15 1.7 1.1 Murray County $14.94 $14.17 2.1 1.1 $737 $1,295 35,678 Muscogee County $51,800 $777 $31,080 49% $15,540 $389 $67,500 $506 $1,688 $949 $37,960 27% $20,250 $18.25 $11.04 2.5 1.7 $574 Newton County 9,485 $531 21% 2,435 $56,100 $421 $1,403 $759 Oconee County 1.4 2.0 $10.21 $14.60 $16,830 $30,360 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 58 OUT OF REACH 2016 •

65 Georgia HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Full-time jobs at Estimated ssary to nece renter mean need ed Monthly rent affordable Renter affordable % of total hou rly mean minimum wage 1 afford 2 BR wage needed to 30% to afford Annual 2 BR affordable hous at 30% at mean eholds hou seholds needed to afford renter wage 3 2 5 4 afford 2 BR FMR MI of A 2 BR FMR R AMI FM at AMI (2010-2014) renter wage of AMI (2010-2014) 2 BR FMR (2016) $421 1,194 $1,403 $16,830 $14.60 $759 $56,100 $6.82 $30,360 $355 Oglethorpe County 2.1 22% 2.0 $514 $37,960 1.8 $1,688 $506 $67,500 2.5 9,639 Paulding County $949 $9.89 $18.25 $20,250 20% $26,360 $463 3,384 $53,900 $404 $1,348 $659 Peach County 35% $16,170 $12.67 $8.89 1.7 1.4 $949 $20,250 $18.25 $12.35 2.5 1.5 $642 $67,500 2,496 $37,960 Pickens County $506 $1,688 23% 25% Pierce County $49,000 $368 $1,225 $645 $25,800 1,716 $14,700 $12.40 $8.39 1.7 1.5 $436 $390 Pike County 1,028 $67,500 $506 $1,688 $949 $37,960 17% $20,250 $18.25 $7.49 2.5 2.4 $15,000 $669 $50,000 $375 $1,250 $26,760 31% 4,602 $12.87 $9.11 1.8 1.4 $474 Polk County $540 1,526 $49,500 $371 $1,238 $645 $25,800 37% $14,850 $12.40 $10.38 1.7 1.2 Pulaski County $13.71 $9.12 1.9 1.5 $474 $52,700 2,132 Putnam County $395 $713 $28,520 25% $15,810 $1,318 $34,200 $257 $855 $645 $25,800 22% $10,260 $12.40 $8.05 1.7 1.5 $419 Quitman County 223 27% $382 $52,200 $392 $1,305 $749 $29,960 1,905 $15,660 $14.40 $7.34 2.0 2.0 Rabun County $8.68 Randolph County 1,021 $36,900 $277 $923 $685 $27,400 36% $11,070 $13.17 1.8 1.5 $451 $657 Richmond County 33,541 $59,000 $443 $1,475 $735 $29,400 47% $17,700 $14.13 $12.64 1.9 1.1 30% Rockdale County $67,500 $506 $1,688 $949 $37,960 8,843 $20,250 $18.25 $13.79 2.5 1.3 $717 $404 Schley County 704 $1,345 $645 $25,800 36% $53,800 $16,140 $12.40 $11.48 1.7 1.1 $597 29% $47,800 Screven County $359 $1,195 $645 $25,800 1,530 $14,340 $6.80 1.7 1.8 $353 $12.40 652 $39,200 $294 $980 $645 $25,800 20% $11,760 $12.40 $13.33 1.7 0.9 $693 Seminole County 38% Spalding County $67,500 $506 $1,688 $949 $37,960 8,743 $20,250 $18.25 $8.90 2.5 2.1 $463 1.2 $520 $14,460 $10.01 1.7 Stephens County 2,343 $48,200 $362 $1,205 $645 $25,800 25% $12.40 $25,800 1.3 1.7 $9.57 $12.40 $10,020 37% $498 $645 $835 $251 $33,400 656 Stewart County $12.56 $9.43 1.7 1.3 $490 $26,120 $653 $1,108 $332 $44,300 4,691 Sumter County 41% $13,290 $461 Talbot County 604 $1,000 $845 $33,800 22% $12,000 $16.25 $8.87 2.2 1.8 $300 $40,000 $32,720 Taliaferro County † $281 $938 $818 $37,500 30% $11,250 $15.73 2.2 202 Tattnall County $1,210 $48,400 $363 $495 1.3 1.7 $9.52 $12.40 $14,520 31% $25,800 $645 2,501 $35,900 31% Taylor County $710 0.9 1.7 $13.65 $12.40 $10,770 $25,800 $645 $898 $269 1,101 $477 2,205 $34,500 $259 $863 $645 Telfair County 41% $10,350 $12.40 $9.16 1.7 1.4 $25,800 $12,510 $13.71 $8.91 1.9 1.5 $463 $28,520 $1,043 $41,700 1,308 Terrell County $713 41% $313 7,299 $44,000 $330 $1,100 $718 $28,720 42% $13,200 $13.81 $12.36 1.9 1.1 $643 Thomas County $496 40% 5,600 $42,800 $321 $1,070 $675 Tift County 1.4 1.8 $9.55 $12.98 $12,840 $27,000 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 59 OUT OF REACH 2016 •

66 Georgia HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent ssary to nece renter mean ed need Renter % of total Monthly rent minimum wage affordable rly mean hou affordable 1 wage needed to afford 2 BR 30% to afford 2 BR Annual hou hous affordable seholds eholds at 30% needed to afford at mean renter wage 3 2 5 4 FMR afford 2 BR MI of A 2 BR FMR R AMI FM (2010-2014) at AMI (2010-2014) 2 BR FMR renter wage of AMI (2016) $358 Toombs County $1,193 $14,310 $12.40 $645 $47,700 $9.03 $25,800 $469 4,021 1.4 38% 1.7 $395 $27,000 1.7 $1,173 $352 $46,900 1.8 762 Towns County $675 $7.59 $12.98 $14,070 18% $25,800 $365 855 $47,500 $356 $1,188 $645 Treutlen County 33% $14,250 $12.40 $7.01 1.7 1.8 $732 $14.08 $13.10 1.9 1.1 $29,280 $681 $390 40% 9,768 Troup County $1,300 $52,000 $15,600 36% Turner County $35,100 $263 $878 $645 $25,800 1,101 $10,530 $12.40 $7.59 1.7 1.6 $395 2.0 $345 1.9 $6.63 $13.56 $14,430 22% Twiggs County $705 $1,203 $361 $48,100 663 $28,200 $489 1,652 $49,000 $368 $1,225 $672 Union County 20% $14,700 $12.92 $9.41 1.8 1.4 $26,880 $13,410 36% $25,800 $645 $1,118 $335 $44,700 3,724 Upson County $527 $10.13 $12.40 1.2 1.7 $61,300 $460 $1,533 $767 $30,680 28% $18,390 $14.75 $9.41 2.0 1.6 $489 Walker County 7,331 $37,960 $488 7,578 $67,500 $506 $1,688 $949 Walton County 26% $20,250 $18.25 $9.39 2.5 1.9 $582 $358 Ware County 5,086 $47,700 $1,193 $645 $25,800 37% $14,310 $12.40 $11.19 1.7 1.1 32% $504 $34,900 $262 $873 $645 $25,800 682 $10,470 $12.40 $9.70 1.7 1.3 Warren County 1.3 Washington County 2,077 $47,000 $353 $1,175 $645 $25,800 29% $14,100 $12.40 $9.19 1.7 $478 3,180 $44,600 $335 $1,115 $645 $25,800 31% $13,380 $12.40 $10.74 1.7 1.2 $558 Wayne County $15,840 Webster County $396 $1,320 $663 $26,520 22% $52,800 $12.75 $6.44 1.8 2.0 $335 263 34% 644 $32,400 $243 $810 $645 $25,800 $489 $9,720 $12.40 $9.39 1.7 1.3 Wheeler County 29% White County $52,600 $395 $1,315 $740 $29,600 3,307 $15,780 $14.23 $8.11 2.0 1.8 $422 $13,590 Whitfield County 12,370 $45,300 $340 $1,133 $677 $27,080 36% $703 1.0 1.8 $13.51 $13.02 Wilcox County $6.29 1.7 2.0 $327 752 $297 $39,600 $990 $645 $25,800 27% $11,880 $12.40 $12.40 $25,800 $40,600 $305 31% $1,015 $12,180 1,248 $8.92 1.7 1.4 $464 $645 Wilkes County 694 $45,200 $339 $1,130 $645 $25,800 21% Wilkinson County 0.8 1.7 $16.27 $12.40 $13,560 $846 Worth County $41,700 $313 $1,043 $713 $28,520 24% 1,914 $13.71 $8.95 1.9 1.5 $466 $12,510 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 60 OUT OF REACH 2016 •

67 HAWAII S TAT E RANKING . In order to $1,780 In Hawaii, the Fair Market Rent (FMR) for a two-bedroom apartment is * 1 afford this level of rent and utilities — without paying more than 30% of income on housing — monthly or $5,932 a household must earn annually. Assuming a 40-hour work week, $71,184 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $34.22 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $8.50 $38.17 Honolulu County Average Renter Wage Maui County $24.73 $14.53 $34.22 Kauai County $23.81 2-Bedroom Housing Wage 192,984 Hawaii County $22.96 Number of Renter Households Percent Renters 43% Kalawao County $12.65 $1,780 Two bedroom FMR 161 $2,053 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $755 renter wage ––––––––––––– $616 Rent affordable at 30% of AMI Rent affordable with full-time job paying $442 min wage 4 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,500 $1,500 $1,000 $500 $2,000 $0 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 61 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

68 Hawaii AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR to afford Annual 2 BR 30% households households affordable renter wage needed to afford at 30% at mean 4 3 5 2 afford 2 BR FMR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI Hawaii 4.0 43% 192,984 $616 $755 2.4 $14.53 $24,637 $34.22 $82,123 $71,184 $1,780 $2,053 Combined Nonmetro Areas $48,243 30,450 $464 $18,570 $61,900 $23.19 $1,547 $595 2.0 $1,206 2.7 $11.44 35% Metropolitan Areas $26,370 2.5 $659 $2,198 $1,985 $79,400 45% $87,900 $38.17 $15.39 4.5 Honolulu MSA * $800 139,799 $683 Kalawao County HMFA † $91,100 $2,278 $658 $26,320 96% $27,330 $12.65 1.5 44 1.8 $13.41 $697 22,691 Maui County HMFA $81,500 $611 $2,038 $1,286 $51,440 43% $24,450 $24.73 2.9 Counties $57,600 22,101 Hawaii County $432 $1,440 $1,194 $47,760 34% $17,280 $22.96 $10.45 2.7 2.2 $543 $800 $79,400 $87,900 $659 $2,198 $1,985 Honolulu County * 139,799 2.5 4.5 $15.39 $38.17 $26,370 45% $683 44 Kalawao County † 1.5 $12.65 $27,330 96% $26,320 $91,100 $2,278 $658 37% $49,520 $1,238 1.8 $1,858 $557 $74,300 8,349 Kauai County $703 2.8 $13.52 $23.81 $22,290 $51,440 $697 $13.41 2.9 1.8 Maui County $24,450 43% $24.73 $1,286 $2,038 $611 $81,500 22,691 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 62 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

69 IDAHO S TAT E . In order to afford $739 In Idaho, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — a * annually. Assuming a 40-hour work week, 52 $29,580 monthly or $2,465 household must earn 44 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.22 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $7.25 Blaine County $18.52 $11.23 Average Renter Wage $15.17 Ada County $14.22 Boise County $15.17 2-Bedroom Housing Wage 180,278 Canyon County $15.17 Number of Renter Households Percent Renters 31% Owyhee County $15.17 $739 Two bedroom FMR 78 $1,465 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $584 renter wage ––––––––––––– $439 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2 $236 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 63 OUT OF REACH 2016

70 Idaho HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage rent rent Annual income Full-time jobs at Estimated necessary to mean renter Monthly rent affordable affordable needed % of total Renter minimum wage hourly mean 1 wage needed to afford 2 BR 30% affordable at mean at 30% to afford 2 BR Annual households households needed to afford renter wage 5 3 2 4 FMR afford 2 BR of AMI at AMI renter wage of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) 2 BR FMR (2016) Idaho $584 31% $58,582 2.0 180,278 $439 $17,575 1.3 $11.23 $1,465 $739 $14.22 $29,580 Combined Nonmetro Areas 62,989 $53,606 $10.70 1.9 31% $1,340 1.3 $13.48 $402 $557 $28,033 $16,082 $701 Metropolitan Areas $62,400 Boise City HMFA 32% $31,560 $789 $1,560 $18,720 $15.17 $12.25 2.1 1.2 $637 72,442 $468 $12.65 1.7 $1,283 $658 $26,320 19% $15,390 $385 0.5 $1,242 198 $51,300 Butte County HMFA $23.89 1.4 $1,563 $768 $30,720 30% $18,750 $14.77 $10.22 2.0 Coeur d'Alene MSA $62,500 16,630 $532 $469 $384 $13.48 $15,360 27% $28,040 $701 $1,280 1,744 $51,200 Gem County HMFA $375 1.9 1.9 $7.21 Idaho Falls HMFA $420 $1,400 $681 $27,240 25% $56,000 $13.10 $9.07 1.8 1.4 $472 11,058 $16,800 $10.75 $14.00 $17,820 31% $29,120 $728 $1,485 $446 $59,400 Lewiston MSA 4,954 $559 1.3 1.9 $12.65 $9.02 Logan MSA $57,700 $433 $1,443 $658 $26,320 20% $17,310 1.4 $469 836 1.7 $18,360 Pocatello MSA $1,530 9,427 $658 $26,320 31% $459 $12.65 $8.03 1.7 1.6 $418 $61,200 Counties Ada County 1.2 $670 $12.89 2.1 $15.17 $18,720 33% $31,560 $789 $1,560 $468 $62,400 50,463 Adams County 330 $331 $1,103 $658 $26,320 20% $13,230 $12.65 $10.72 1.7 1.2 $557 $44,100 $18,360 Bannock County $459 $1,530 $658 $26,320 31% $61,200 $12.65 $8.03 1.7 1.6 $418 9,427 Bear Lake County 454 $50,400 $378 $1,260 $658 $26,320 19% $15,120 $12.65 $7.39 1.7 1.7 $384 28% Benewah County $42,200 $317 $1,055 $658 $26,320 1,025 $12,660 $12.65 $14.34 1.7 0.9 $746 1.2 $553 1.7 $10.64 $12.65 $16,740 26% Bingham County $658 $1,395 $419 $55,800 3,909 $26,320 Blaine County $78,600 $590 $1,965 $963 $38,520 3,053 $23,580 $18.52 $13.36 2.6 1.4 $694 33% Boise County 596 $62,400 $468 $1,560 $789 $31,560 20% $18,720 $15.17 $4.24 2.1 3.6 $220 $15,270 Bonner County $382 $1,273 $728 $29,120 28% $50,900 $14.00 $11.58 1.9 1.2 $602 4,848 $476 9,761 $56,000 $420 $1,400 $681 $27,240 27% $16,800 $13.10 $9.16 1.8 1.4 Bonneville County $422 1.7 $8.11 $12.65 $13,680 27% $26,320 $658 $1,140 1.6 $342 $45,600 1,102 Boundary County $15,390 $12.65 $23.89 1.7 0.5 $1,242 Butte County 198 $51,300 $385 $1,283 $658 $26,320 19% $12.65 $26,320 155 $47,800 $359 $1,195 $996 0.7 1.7 $19.16 $658 $14,340 33% Camas County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 64 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

71 Idaho RENTER HOUSEHOLDS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Monthly Annual income Full-time jobs at Hourly wage Full-time jobs at Estimated ren rent t ded nee Monthly rent Renter essary to nec mea n renter % of total rly mean min hou imum wage affordable affordable 1 to afford 2 BR Annual affordable seholds seholds hou afford 2 BR wage needed to hou renter wage needed to afford 30% at 30% at mean 4 2 5 3 2 BR FMR I FMR AM at AMI (2010-2014) afford 2 BR (2010-2014) FMR 2 BR FMR (2016) of AMI of AMI renter wage 20,038 Canyon County $468 $1,560 $789 $31,560 31% $18,720 $15.17 $10.01 2.1 1.5 $520 $62,400 18% $26,320 0.7 1.7 $17.88 $12.65 $19,560 $930 $658 $1,630 $489 $65,200 472 Caribou County 1.7 $12.65 $15,900 30% $26,320 $658 1.5 $8.52 $1,325 $398 $53,000 2,351 Cassia County $443 $26,320 0.7 107 $34,800 $261 $870 $658 Clark County 38% $10,440 $12.65 $17.95 1.7 $934 762 $1,265 $659 $26,360 21% $50,600 $380 $15,180 $12.67 $12.82 Clearwater County 1.7 1.0 $667 23% Custer County $62,600 $470 $1,565 $658 $26,320 403 $18,780 $12.65 $13.81 1.7 0.9 $718 1.2 $552 1.7 $10.61 $12.65 $15,150 39% Elmore County $658 $1,263 $379 $50,500 3,777 $26,320 $469 836 $57,700 $433 $1,443 $658 Franklin County 20% $17,310 $12.65 $9.02 1.7 1.4 $26,320 $15,990 19% $27,000 $675 $1,333 $400 $53,300 863 Fremont County $384 1.8 $12.98 1.8 $7.39 $384 $1,280 $701 $28,040 27% $15,360 $13.48 $7.21 1.9 1.9 $375 Gem County 1,744 $51,200 31% $539 $46,300 $347 $1,158 $658 $26,320 1,689 $13,890 $12.65 $10.37 1.7 1.2 Gooding County $689 Idaho County 1,316 $46,100 $346 $1,153 $658 $26,320 20% $13,830 $12.65 $13.26 1.7 1.0 $432 $56,000 Jefferson County 1,297 $420 $1,400 $681 $27,240 16% $16,800 $13.10 $8.31 1.8 1.6 36% Jerome County $47,800 $359 $1,195 $658 $26,320 2,802 $14,340 $12.65 $12.77 1.7 1.0 $664 $1,563 Kootenai County 16,630 $62,500 $768 $30,720 30% $469 $18,750 $14.77 $10.22 2.0 1.4 $532 46% $469 6,862 Latah County $1,563 $682 $27,280 $62,500 $18,750 $13.12 1.8 1.8 $381 $7.33 $55,100 $413 $1,378 $658 $26,320 30% $16,530 $12.65 $7.90 1.7 1.6 $411 Lemhi County 1,149 27% Lewis County $50,200 $377 $1,255 $658 $26,320 442 $15,060 $12.65 $8.84 1.7 1.4 $460 $12.65 $12.52 1.7 1.0 $651 27% Lincoln County 434 $49,000 $368 $1,225 $658 $26,320 $14,700 $26,520 1.4 1.8 $9.00 $12.75 $11,520 52% $468 $663 $960 $288 $38,400 5,353 Madison County $15,300 $12.65 $12.15 1.7 1.0 $632 $658 $1,275 $383 $51,000 1,935 Minidoka County $26,320 27% 31% Nez Perce County 4,954 $17,820 $14.00 $10.75 1.9 1.3 $559 $59,400 $728 $29,120 $446 $1,485 16% Oneida County $48,000 $360 $1,200 $658 $26,320 271 $14,400 $12.65 $5.94 1.7 2.1 $309 $667 Owyhee County 1,345 $62,400 $468 $1,560 $789 $31,560 35% $18,720 $15.17 $12.83 2.1 1.2 $16,020 $683 $53,400 $401 $1,335 $27,320 25% 2,021 $13.13 $9.93 1.8 1.3 $516 Payette County $937 845 $47,000 $353 $1,175 $658 $26,320 33% $14,100 $12.65 $18.02 1.7 0.7 Power County $12.65 $13.28 1.7 1.0 $691 $1,225 1,866 Shoshone County $49,000 $658 $26,320 32% $14,700 $368 $64,000 $480 $1,600 $775 $31,000 29% $19,200 $14.90 $11.85 2.1 1.3 $616 Teton County 1,024 $14.69 $30,560 9,563 $56,600 $425 $1,415 $506 1.5 2.0 $9.74 $764 $16,980 33% Twin Falls County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 65 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

72 Idaho RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at t ren rent nee nec essary to ded mea n renter Monthly rent Renter % of total imum wage min rly mean hou affordable affordable 1 2 BR to afford afford 2 BR Annual wage needed to affordable 30% seholds hou seholds hou needed to afford renter wage at mean at 30% 4 3 2 5 AM I FMR 2 BR FMR at AMI afford 2 BR FMR of AMI (2010-2014) (2010-2014) (2016) 2 BR FMR of AMI renter wage $705 $28,200 23% $18,510 $13.56 Valley County $8.66 1.9 753 1.6 $451 $61,700 $463 $1,543 1.7 $658 $47,900 $26,320 1,053 Washington County 27% $14,370 $12.65 $7.27 $359 1.7 $378 $1,198 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 66 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

73 ILLINOIS S TAT E . In order to $1,039 In Illinois, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * annually. Assuming a 40-hour work week, $41,567 monthly or $3,464 a household must earn 16 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $19.98 HOUSING WAGE* MOST EXPENSIVE AREAS STATE FACTS Minimum Wage $8.25 Chicago-Naperville-Joliet HMFA $22.62 $15.25 Average Renter Wage $21.02 Kendall County $19.98 Grundy County $19.06 2-Bedroom Housing Wage 1,583,926 DeKalb County $17.13 Number of Renter Households Percent Renters 33% St. Louis (MO-IL) HMFA $16.15 $1,039 Two bedroom FMR 97 $1,814 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $793 renter wage ––––––––––––– $544 Rent affordable at 30% of AMI Rent affordable with full-time job paying $429 min wage 2.4 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 67 OUT OF REACH 2016

74 Illinois AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed Renter Monthly rent % of total minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual 30% 2 BR to afford households households affordable renter wage needed to afford at mean at 30% 5 3 2 4 FMR afford 2 BR of AMI 2 BR FMR FMR AM I (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI Illinois $1,814 2.4 1,583,926 1.3 $793 $21,764 $15.25 $19.98 33% $41,567 $72,547 $1,039 $544 Combined Nonmetro Areas $504 26% $58,568 153,553 $12.55 $17,571 $439 $26,096 $9.70 1.5 1.3 $652 $1,464 Metropolitan Areas $33,200 Bloomington HMFA $89,300 $670 $2,233 $830 $607 34% $26,790 $15.96 $11.67 1.9 1.4 21,602 $18,870 $13.31 $7.88 1.6 1.7 $410 1,509 $62,900 $692 $27,680 $1,573 24% $472 Bond County HMFA $16,530 Cape Girardeau MSA $413 $1,378 $658 $26,320 34% $55,100 $12.65 $9.81 1.5 1.3 $510 970 $512 38,409 1.6 1.9 $9.85 $15.85 $20,970 Champaign-Urbana MSA $32,960 $824 $1,748 $524 $69,900 42% 1,074,237 $76,900 $577 $1,923 $1,176 $47,040 Chicago-Joliet-Naperville HMFA * $23,070 $22.62 $17.03 2.7 1.3 $886 36% $10.33 $12.90 $17,460 $26,840 $671 $1,455 $437 $58,200 Danville MSA 1.6 $537 9,454 1.2 30% $13.61 1.7 1.0 $708 24,170 Davenport-Moline-Rock Island MSA $68,800 $516 $1,720 $712 $28,480 28% $20,640 $13.69 21% $615 $66,100 $496 $1,653 $635 $25,400 De Witt County HMFA $19,830 $12.21 $11.82 1.5 1.0 1,448 13,886 Decatur MSA $58,600 $440 $1,465 $694 $27,760 31% $17,580 $13.35 $12.63 1.6 1.1 $657 $20,460 15,094 $512 $1,705 $891 $35,640 40% $68,200 $17.13 $9.22 2.1 1.9 $480 DeKalb County HMFA 2.3 Grundy County HMFA $81,000 $608 $2,025 $991 $39,640 25% $24,300 $19.06 4,609 $744 1.3 $14.31 $14.19 $8.10 1.7 1.8 $421 11,045 Jackson County HMFA $54,100 $406 $1,353 $738 $29,520 47% $16,230 $18,150 Kankakee MSA $11.30 1.9 1.4 $588 13,029 $60,500 $454 $1,513 $823 $32,920 31% $15.83 $21.02 $24,960 2.5 2.1 $521 6,492 17% $10.02 $43,720 $1,093 $2,080 $624 $83,200 Kendall County HMFA Macoupin County HMFA $12.21 $7.39 1.5 1.7 $384 4,538 $61,900 $464 $1,548 $635 $25,400 24% $18,570 $1,738 $750 $30,000 29% $20,850 $725 43,410 $14.42 1.0 Peoria MSA $69,500 $13.95 $521 1.7 $17,400 Rockford MSA $435 $1,450 $776 $31,040 31% $58,000 $14.92 $11.43 1.8 1.3 $594 41,191 $531 26,057 1.5 1.8 $10.20 $14.94 $21,990 Springfield MSA $31,080 $777 $1,833 $550 $73,300 30% 71,774 $70,300 $527 $1,758 $840 $33,600 St. Louis HMFA $21,090 $16.15 $9.57 2.0 1.7 $498 29% 7,449 $16,710 28% $27,840 $696 $1,393 $418 $55,700 Williamson County HMFA $13.38 1.4 $504 1.6 $9.69 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 68 OUT OF REACH 2016 •

75 Illinois HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR affordable households households renter wage needed to afford at mean at 30% 5 3 4 2 FMR afford 2 BR of AMI FMR AMI 2 BR FMR (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR of AMI renter wage Counties Adams County $657 $26,280 29% $57,200 1.3 $17,160 $429 $499 $1,430 7,777 1.5 $9.59 $12.63 34% Alexander County $55,100 $413 $1,378 $658 $26,320 970 $16,530 $12.65 $9.81 1.5 1.3 $510 1.6 Bond County 1.7 $13.31 $18,870 24% $27,680 $692 $1,573 $472 $62,900 1,509 $7.88 $410 17% Boone County $58,000 $435 $1,450 $776 $31,040 3,163 $17,400 $14.92 $10.73 1.8 1.4 $558 $27,880 Brown County 531 $66,000 $495 $1,650 $697 $748 25% $19,800 $13.40 $14.39 1.6 0.9 $695 $530 $10.19 $13.37 $18,630 25% $27,800 1.6 $1,553 $466 $62,100 3,508 Bureau County 1.3 $4.95 2.0 $21,090 3.3 $258 20% $33,600 $840 $1,758 $527 $70,300 403 Calhoun County $16.15 $412 $7.92 Carroll County 1,457 $57,500 $431 $1,438 $635 $25,400 22% $17,250 $12.21 1.5 1.5 $25,400 1.2 1,452 $55,300 $415 $1,383 $635 Cass County 28% $16,590 $12.21 $10.29 1.5 $535 $20,970 $15.85 $9.75 1.9 1.6 $507 Champaign County 35,879 $69,900 $524 $1,748 $824 $32,960 45% 26% $12.46 $57,500 $431 $1,438 $648 $25,920 3,657 $17,250 $9.50 1.5 1.3 $494 Christian County $524 1,682 $56,900 $427 $1,423 $635 $25,400 25% $17,070 $12.21 $10.08 1.5 1.2 Clark County $445 1.4 1.5 $8.56 $12.21 $16,020 20% $25,400 $635 $1,335 $401 $53,400 1,081 Clay County $16.15 $21,090 2,419 $70,300 $527 $1,758 $840 $33,600 17% $8.83 2.0 1.8 $459 Clinton County 8,088 $12.50 $26,000 $650 $1,373 $412 $54,900 38% Coles County $8.45 1.5 1.5 $439 $16,470 42% $23,070 $22.62 $18.34 2.7 1.2 $954 Cook County * 821,599 $76,900 $577 $1,923 $1,176 $47,040 20% Crawford County $60,800 $456 $1,520 $635 $25,400 1,523 $18,240 $12.21 $12.32 1.5 1.0 $641 1.3 $475 $16,770 $9.13 1.5 Cumberland County 19% $12.21 $635 $1,398 $419 $55,900 818 $25,400 $480 2.1 $9.22 $17.13 $20,460 40% 1.9 $891 $1,705 $512 $68,200 15,094 DeKalb County $35,640 $635 $25,400 $615 21% $11.82 1.5 1.0 De Witt County 1,448 $66,100 $496 $1,653 $19,830 $12.21 24% Douglas County $66,900 $502 $1,673 $676 $27,040 1,779 $20,070 $13.00 $10.78 1.6 1.2 $560 $47,040 DuPage County * 88,167 $76,900 $577 $1,923 $1,176 $869 26% $23,070 $22.62 $16.71 2.7 1.4 $635 $398 $7.65 $12.21 $15,900 26% $25,400 1.5 $1,325 $398 $53,000 2,059 Edgar County 1.6 $12.21 $15,180 $9.63 1.5 18% 1.3 $25,400 $635 $1,265 $380 $50,600 482 Edwards County $501 $551 $19,770 Effingham County 2,781 $65,900 $494 $1,648 $635 $25,400 21% $12.21 $10.60 1.5 1.2 $25,400 1.4 1,563 $54,100 $406 $1,353 $635 Fayette County 20% $16,230 $12.21 $8.85 1.5 $460 25% $20,970 $15.85 $11.91 1.9 1.3 $619 Ford County 1,388 $69,900 $524 $1,748 $824 $32,960 $433 25% 4,140 $49,700 $373 $1,243 $635 Franklin County 1.5 1.5 $8.33 $12.21 $14,910 $25,400 * 50th percentile FMR (See Appendix A). 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 69 OUT OF REACH 2016 •

76 Illinois RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,443 Fulton County $635 $25,400 25% 3,565 $12.21 $57,700 $6.69 1.5 1.8 $348 $433 $17,310 $12.21 $492 1.3 1.5 $9.45 Gallatin County $16,410 22% $25,400 $635 $1,368 $410 $54,700 506 23% Greene County $55,100 $413 $1,378 $635 $25,400 1,330 $16,530 $12.21 $10.13 1.5 1.2 $527 $744 4,609 Grundy County 2.3 $14.31 $19.06 $24,300 25% $39,640 $991 $2,025 $608 $81,000 1.3 $10.77 $57,700 $635 $25,400 22% $17,310 $12.21 $1,443 1.5 1.1 $560 $433 Hamilton County 758 $421 Hancock County 1,690 $539 1.2 1.5 $10.36 $12.21 $16,830 21% $25,400 $635 $1,403 $56,100 $305 Hardin County 2.1 1.5 $5.87 $12.21 $14,460 17% $635 $1,205 $362 $48,200 $25,400 299 Henderson County $61,600 $462 $1,540 $635 $25,400 635 $18,480 $12.21 $8.96 1.5 1.4 $466 20% $10.29 1.7 1.3 $535 $516 $712 $68,800 4,556 Henry County $28,480 23% $20,640 $1,720 $13.69 $454 $1,513 $635 $25,400 24% $18,150 $12.21 $9.02 1.5 1.4 $469 Iroquois County 2,879 $60,500 47% $421 $54,100 $406 $1,353 $738 $29,520 11,045 $16,230 $14.19 $8.10 1.7 1.8 Jackson County $467 Jasper County 521 $61,000 $458 $1,525 $635 $25,400 14% $18,300 $12.21 $8.98 1.5 1.4 $502 4,188 Jefferson County $56,600 $425 $1,415 $635 $25,400 27% $16,980 $12.21 $9.66 1.5 1.3 20% Jersey County $70,300 $527 $1,758 $840 $33,600 1,756 $21,090 $16.15 $6.25 2.0 2.6 $325 $1,630 Jo Daviess County 2,079 $65,200 $635 $25,400 22% $489 $19,560 $12.21 $9.22 1.5 1.3 $479 19% $391 814 Johnson County $1,303 $635 $25,400 $52,100 $15,630 $12.21 1.5 1.6 $394 $7.58 $76,900 $577 $1,923 $1,176 $47,040 26% $23,070 $22.62 $10.83 2.7 2.1 $563 Kane County * 43,702 31% Kankakee County $60,500 $454 $1,513 $823 $32,920 13,029 $18,150 $15.83 $11.30 1.9 1.4 $588 2.1 $521 $24,960 $10.02 2.5 Kendall County 6,492 $83,200 $624 $2,080 $1,093 $43,720 17% $21.02 $25,400 1.4 1.5 $8.66 $12.21 $16,170 33% $451 $635 $1,348 $404 $53,900 7,109 Knox County $22.62 $17.16 2.7 1.3 $892 $47,040 $1,176 $1,923 $577 $76,900 60,182 Lake County * 25% $23,070 La Salle County 11,237 26% $18,870 $13.54 $10.49 1.6 1.3 $545 $62,900 $704 $28,160 $472 $1,573 24% Lawrence County $49,500 $371 $1,238 $635 $25,400 1,193 $14,850 $12.21 $11.82 1.5 1.0 $615 $602 Lee County 3,475 $63,800 $479 $1,595 $662 $26,480 26% $19,140 $12.73 $11.59 1.5 1.1 $20,010 $661 $66,700 $500 $1,668 $26,440 27% 3,937 $12.71 $11.47 1.5 1.1 $596 Livingston County $451 3,351 $64,400 $483 $1,610 $635 $25,400 31% $19,320 $12.21 $8.68 1.5 1.4 Logan County $14.29 $6.49 1.7 2.2 $337 $1,388 4,796 McDonough County $55,500 $743 $29,720 38% $16,650 $416 $76,900 $577 $1,923 $1,176 $47,040 18% $23,070 $22.62 $10.75 2.7 2.1 $559 McHenry County * 20,121 $607 34% 21,602 $89,300 $670 $2,233 $830 McLean County 1.4 1.9 $11.67 $15.96 $26,790 $33,200 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 70 OUT OF REACH 2016 •

77 Illinois RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at ren rent t n renter mea nec essary to needed Monthly rent Renter % of total rly mean min hou imum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR hou hou affordable seholds seholds needed to afford renter wage at mean at 30% 3 2 5 4 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage $27,760 31% Macon County $17,580 $440 $13.35 $12.63 $1,465 1.6 $694 13,886 1.1 $657 $58,600 $384 24% $25,400 $635 $1,548 $464 $61,900 4,538 $18,570 Macoupin County $12.21 $7.39 1.5 1.7 $33,600 $510 30,673 $70,300 $527 $1,758 $840 Madison County 29% $21,090 $16.15 $9.80 2.0 1.6 $638 $404 $16,140 $12.27 $8.34 1.5 1.5 $434 $53,800 $25,520 3,927 Marion County $1,345 25% 17% Marshall County $69,500 $521 $1,738 $750 $30,000 823 $20,850 $14.42 $11.54 1.7 1.2 $600 $377 Mason County 1,480 $57,700 $433 $1,443 $635 $25,400 24% $17,310 $12.21 $7.26 1.5 1.7 $17,010 $670 $56,700 $425 $1,418 $26,800 26% 1,551 $12.88 $11.67 1.6 1.1 $607 Massac County $397 996 $73,300 $550 $1,833 $777 $31,080 19% $21,990 $14.94 $7.64 1.8 2.0 Menard County $20,640 $13.69 $10.14 1.7 1.3 $516 $527 Mercer County $68,800 1,456 $712 $28,480 22% $1,720 2,265 $70,300 $527 $1,758 $840 $33,600 18% $21,090 $16.15 $9.23 2.0 1.8 $480 Monroe County 23% $528 $56,000 $420 $1,400 $697 $27,880 2,496 $16,800 $13.40 $10.15 1.6 1.3 Montgomery County $9.66 Morgan County 4,307 $63,900 $479 $1,598 $655 $26,200 31% $19,170 $12.60 1.5 1.3 $503 $561 Moultrie County 1,269 $57,100 $428 $1,428 $635 $25,400 22% $17,130 $12.21 $10.80 1.5 1.1 24% Ogle County $71,000 $533 $1,775 $642 $25,680 5,024 $21,300 $12.35 $12.62 1.5 1.0 $656 $69,500 Peoria County $521 $1,738 $750 $30,000 35% 26,516 $20,850 $14.42 $12.73 1.7 1.1 $662 25% 1,993 $55,100 $413 $1,378 $635 $25,400 Perry County $12.21 $7.14 1.5 1.7 $371 $16,530 Piatt County 1,142 $69,900 $524 $1,748 $824 $32,960 17% $20,970 $15.85 $9.38 1.9 1.7 $488 21% Pike County $50,800 $381 $1,270 $635 $25,400 1,421 $15,240 $12.21 $7.78 1.5 1.6 $404 1.6 $409 $14,040 $7.86 1.5 Pope County 280 $46,800 $351 $1,170 $635 $25,400 17% $12.21 $25,400 1.2 1.5 $9.99 $12.21 $14,100 22% $519 $635 $1,175 $353 $47,000 516 Pulaski County $13.04 $10.48 1.6 1.2 $545 $27,120 $678 $1,750 $525 $70,000 460 Putnam County 19% $21,000 $12.38 $10.09 1.5 1.2 $525 Randolph County $464 $1,545 $644 $25,760 23% $18,540 2,771 $61,800 26% Richland County $58,500 $439 $1,463 $635 $25,400 1,721 $17,550 $12.21 $9.25 1.5 1.3 $481 $745 Rock Island County 18,158 $68,800 $516 $1,720 $712 $28,480 30% $20,640 $13.69 $14.32 1.7 1.0 $21,090 $840 $70,300 $527 $1,758 $33,600 33% 34,258 $16.15 $9.65 2.0 1.7 $502 St. Clair County $526 2,859 $48,300 $362 $1,208 $635 $25,400 28% $14,490 $12.21 $10.12 1.5 1.2 Saline County 30% $21,990 $14.94 $10.24 1.8 $73,300 1.5 $533 Sangamon County $550 $1,833 $777 $31,080 25,061 Schuyler County 562 $60,100 $451 $1,503 $635 $25,400 18% $18,030 $12.21 $14.99 1.5 0.8 $780 $508 23% 483 $63,200 $474 $1,580 $635 Scott County 1.2 1.5 $9.77 $12.21 $18,960 $25,400 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 71 OUT OF REACH 2016 •

78 Illinois RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $635 1,722 $57,600 $432 $1,440 Shelby County $25,400 19% $17,280 $12.21 $8.20 1.5 1.5 $426 1.7 $10.34 $14.42 $20,850 18% $30,000 $750 $1,738 437 $537 1.4 Stark County $521 $69,500 $543 $10.44 1.5 $12.21 $16,740 29% $25,400 $635 1.2 $1,395 $419 $55,800 5,512 Stephenson County $30,000 $892 12,932 $69,500 $521 $1,738 $750 Tazewell County 24% $20,850 $14.42 0.8 1.7 $17.15 $377 $1,255 $635 $335 1.9 1.5 $6.45 1,629 $15,060 24% $25,400 Union County $50,200 $12.21 Vermilion County $58,200 $437 $1,455 $671 $26,840 9,454 $17,460 $12.90 $10.33 1.6 1.2 $537 30% $473 $1,575 $635 $25,400 24% $18,900 $12.21 $7.99 1.5 1.5 $416 Wabash County 1,175 $63,000 $417 Warren County 1,768 $55,300 $415 $1,383 $641 $25,640 26% $16,590 $12.33 $8.02 1.5 1.5 20% $636 1,161 $66,700 $500 $1,668 $26,120 Washington County $20,010 $12.56 $12.23 1.5 1.0 $653 $9.50 $12.21 $16,650 21% $25,400 $635 1.3 $1,388 $416 $55,500 Wayne County $494 1.5 1,447 $57,600 $432 $1,440 $635 $25,400 24% $17,280 $12.21 $9.62 1.5 1.3 $500 White County 1,533 $12.58 $17,940 $449 $1,495 $654 $26,160 25% $59,800 $8.66 1.5 1.5 $450 5,746 Whiteside County $22.62 $76,900 $577 $1,923 $1,176 $47,040 18% $23,070 Will County * $568 2.1 2.7 $10.93 40,466 28% $27,840 $696 $1,393 $418 $55,700 7,449 Williamson County $504 1.4 1.6 $9.69 $13.38 $16,710 Winnebago County $58,000 $435 $1,450 $776 $31,040 38,028 $17,400 $14.92 $11.52 1.8 1.3 $599 33% $521 19% $20,850 $14.42 $9.44 2,702 Woodford County 1.7 1.5 $491 $69,500 $1,738 $750 $30,000 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 72

79 INDIANA S TAT E . In order to afford $772 In Indiana, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — a * annually. Assuming a 40-hour work week, 52 $30,868 monthly or $2,572 household must earn 38 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.84 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $7.25 Monroe County $17.77 $12.15 Average Renter Wage $16.67 Lake County $14.84 Newton County $16.67 2-Bedroom Housing Wage 761,229 Porter County $16.67 Number of Renter Households Percent Renters 31% Benton County (tied with 1 other) $16.00 $772 Two bedroom FMR 82 $1,524 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $632 renter wage ––––––––––––– $457 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 73 OUT OF REACH 2016

80 Indiana RENTER HOUSEHOLDS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR 30% to afford Annual 2 BR affordable households households renter wage needed to afford at mean at 30% 5 3 4 2 FMR afford 2 BR of AMI 2 BR FMR FMR AM I (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage Indiana 1.2 $18,294 $30,868 $772 $1,524 $14.84 $12.15 31% $632 $457 761,229 $60,980 2.0 Combined Nonmetro Areas $1,405 $56,188 139,461 $421 $565 1.2 $16,856 1.8 $10.87 $26,594 $12.79 25% $665 Metropolitan Areas 1.5 $474 $9.12 $13.50 $15,420 31% $28,080 $702 $1,285 $386 $51,400 Anderson HMFA 1.9 15,809 $17.77 24,686 $1,693 $924 $36,960 46% $20,310 $508 $8.24 2.5 2.2 $429 Bloomington HMFA $67,700 Carroll County HMFA $433 1.5 1.7 $8.33 $12.50 $18,600 20% $26,000 $650 $1,550 $465 $62,000 1,565 $462 1.7 2.1 $8.88 $15.13 $21,210 $31,480 $787 $1,768 $530 $70,700 Cincinnati HMFA 4,552 22% 2.1 $16.16 $840 $15.13 $20,310 30% $31,480 0.9 $787 $1,693 $508 $67,700 Columbus MSA 9,216 30% 20,949 1.2 2.1 $12.36 $15.02 $15,690 $643 $31,240 $1,308 $392 $52,300 Elkhart-Goshen MSA $781 $12.01 2.0 1.2 $625 32,676 Evansville MSA $61,400 $461 $1,535 $752 $30,080 30% $18,420 $14.46 29% 1.9 $58,300 $437 $1,458 $708 $28,320 Fort Wayne MSA $17,490 $13.62 $11.38 1.2 $592 47,323 72,095 Gary HMFA $64,000 $480 $1,600 $867 $34,680 29% $19,200 $16.67 $11.49 2.3 1.5 $597 $20,010 232,108 $500 $1,668 $809 $32,360 35% $66,700 $15.56 $14.42 2.1 1.1 $750 Indianapolis-Carmel-Anderson HMFA 2.0 Jasper County HMFA $69,000 $518 $1,725 $752 $30,080 21% $20,700 $14.46 2,560 $573 1.3 $11.02 $12.94 $12.02 1.8 1.1 $625 10,783 Kokomo MSA $60,900 $457 $1,523 $673 $26,920 31% $18,270 $19,710 Lafayette-West Lafayette HMFA $11.16 2.2 1.4 $580 31,963 $65,700 $493 $1,643 $832 $33,280 45% $16.00 $15.71 $20,100 2.2 1.7 $486 22,898 26% $9.35 $32,680 $817 $1,675 $503 $67,000 Louisville HMFA Michigan City-La Porte MSA $14.60 $9.53 2.0 1.5 $496 12,308 $59,400 $446 $1,485 $759 $30,360 29% $17,820 $1,310 $790 $31,600 37% $15,720 $481 16,916 $15.19 1.6 Muncie MSA $52,400 $393 $9.24 2.1 $15,870 Owen County HMFA $397 $1,323 $747 $29,880 22% $52,900 $14.37 $12.08 2.0 1.2 $628 1,851 $551 2,964 1.2 1.7 $10.61 $12.50 $18,180 Putnam County HMFA $26,000 $650 $1,515 $455 $60,600 24% 2,543 $49,700 $373 $1,243 $755 $30,200 Scott County HMFA $14,910 $14.52 $8.25 2.0 1.8 $429 28% 32,129 $15,750 32% $31,480 $787 $1,313 $394 $52,500 South Bend-Mishawaka HMFA $15.13 1.3 $595 2.1 $11.44 $13.56 $8.69 1.9 1.6 $452 2,046 Sullivan County HMFA $57,200 $429 $1,430 $705 $28,200 27% $17,160 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 74 OUT OF REACH 2016 •

81 Indiana HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Annual income Full-time jobs at Full-time jobs at Estimated rent rent necessary to needed mean renter % of total Monthly rent Renter hourly mean minimum wage affordable affordable 1 afford 2 BR to afford 2 BR Annual households households wage needed to affordable 30% needed to afford renter wage at 30% at mean 5 4 3 2 AMI 2 BR FMR FMR afford 2 BR (2010-2014) (2010-2014) FMR at AMI of AMI (2016) 2 BR FMR renter wage of AMI $10.11 1.8 1.3 $526 18,893 Terre Haute HMFA $52,400 $393 $1,310 $697 $27,880 33% $15,720 $13.40 $7.44 $441 $1,470 $650 $26,000 24% $17,640 $12.50 $58,800 1.7 1.7 $387 722 Union County HMFA $12.67 $386 $1,285 $659 $26,360 21% $15,420 Washington County HMFA $9.29 1.7 1.4 $483 2,213 $51,400 Counties $650 $397 1.7 $7.64 $12.50 $17,340 22% 1.6 $1,445 $434 $57,800 2,642 Adams County $26,000 1.2 $599 1.9 $11.52 $13.62 $17,490 31% $28,320 $708 $1,458 $437 $58,300 42,626 Allen County 30% $840 $67,700 $508 $1,693 $787 $31,480 9,216 $20,310 $15.13 $16.16 2.1 0.9 Bartholomew County $11.67 Benton County 986 $65,700 $493 $1,643 $832 $33,280 28% $19,710 $16.00 2.2 1.4 $607 $9.37 24% $12.50 $26,000 Blackford County 1,250 $46,500 $349 $1,163 $650 1.7 1.3 $487 $13,950 $15.56 5,240 $66,700 $527 1.5 2.1 $10.13 Boone County $20,010 24% $32,360 $809 $1,668 $500 $292 1,134 Brown County 2.8 2.1 $5.61 $66,700 $15.56 $20,010 19% $32,360 $809 $1,668 $500 20% Carroll County $62,000 $465 $1,550 $650 $26,000 1,565 $18,600 $12.50 $8.33 1.7 1.5 $433 $26,000 Cass County 3,756 $52,100 $391 $1,303 $650 $9.70 25% $15,630 1.7 1.3 $505 $12.50 $10.18 $20,100 28% $32,680 $817 $1,675 $15.71 $67,000 12,144 Clark County 2.2 1.5 $529 $503 $15,720 $13.40 $7.77 1.8 1.7 $404 Clay County 2,493 $52,400 $393 $1,310 $697 $27,880 24% 1.1 $599 3,341 $59,500 $446 $1,488 $673 $26,920 28% $17,850 $12.94 $11.51 1.8 Clinton County $650 $343 $6.60 $12.50 $14,370 19% $26,000 1.7 $1,198 $359 $47,900 781 Crawford County 1.9 $496 1.3 1.7 $9.54 $12.50 $17,460 26% $26,000 $650 $1,455 $437 $58,200 2,949 Daviess County $31,480 1.7 3,949 $70,700 $530 $1,768 $787 Dearborn County 21% $21,210 $15.13 $9.08 2.1 $472 29% $16,770 $14.17 $14.63 2.0 1.0 $761 Decatur County 2,829 $55,900 $419 $1,398 $737 $29,480 $26,000 DeKalb County $17,430 $12.50 $11.65 1.7 1.1 $606 3,399 $58,100 $436 $1,453 $650 21% $31,600 $481 $15,720 $15.19 $9.24 2.1 1.6 $790 Delaware County 16,916 $52,400 $393 $1,310 37% $520 $650 $20,640 $12.50 $10.01 1.7 1.2 22% $1,720 $516 $68,800 3,509 Dubois County $26,000 $781 $31,240 1.2 Elkhart County 20,949 $52,300 $392 $1,308 30% $15,690 $15.02 $12.36 2.1 $643 $14,250 Fayette County $356 $1,188 $653 $26,120 30% $47,500 $12.56 $8.47 1.7 1.5 $441 2,818 Floyd County 8,105 $67,000 $503 $1,675 $817 $32,680 28% $20,100 $15.71 $8.37 2.2 1.9 $435 $16,680 $13.04 Fountain County 1,703 $55,600 $417 $1,390 $678 $27,120 $10.21 1.8 1.3 $531 25% $12.87 20% $26,760 $669 $1,635 $491 $19,620 1,780 Franklin County $8.35 1.8 1.5 $434 $65,400 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 75 OUT OF REACH 2016 •

82 Indiana RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Annual income Full-time jobs at Full-time jobs at Estimated rent rent nece need ed ssary to % of total renter mean Renter Monthly rent rly mean minimum wage hou affordable affordable 1 Annual to afford 2 BR afford 2 BR hou affordable hous eholds wage needed to seholds 30% needed to afford renter wage at mean at 30% 4 3 5 2 R AMI FM 2 BR FMR FMR at AMI (2010-2014) afford 2 BR (2010-2014) MI of A 2 BR FMR (2016) of AMI renter wage $368 $1,225 Fulton County $650 $26,000 1,963 $14,700 $12.50 $49,000 $9.55 1.7 1.3 $496 24% $12.50 $779 0.8 1.7 $14.99 Gibson County $19,050 21% $26,000 $650 $1,588 $476 $63,500 2,787 $26,000 $573 8,049 $51,300 $385 $1,283 $650 Grant County 30% $15,390 $12.50 $11.02 1.7 1.1 1.5 $8.39 $12.50 $16,860 21% $26,000 $650 $1,405 $436 $422 $56,200 2,708 Greene County 1.7 $15.56 22,372 $1,668 $809 $32,360 21% $20,010 $500 $13.51 2.1 1.2 $702 $66,700 Hamilton County $66,700 Hancock County $529 1.5 2.1 $10.18 $15.56 $20,010 21% $32,360 $809 $1,668 $500 5,602 $32,680 $400 2.0 2.2 $7.69 $15.71 $20,100 18% $817 $1,675 $503 $67,000 2,649 Harrison County Hendricks County $66,700 $500 $1,668 $809 $32,360 10,350 $20,010 $15.56 $9.87 2.1 1.6 $513 19% $12.50 $8.51 1.7 1.5 $442 $1,313 $52,500 4,851 Henry County $650 $26,000 27% $394 $15,750 $60,900 $457 $1,523 $673 $26,920 31% $18,270 $12.94 $12.02 1.8 1.1 $625 Howard County 10,783 24% $519 $58,600 $440 $1,465 $659 $26,360 3,408 $17,580 $12.67 $9.98 1.7 1.3 Huntington County $602 Jackson County 4,245 $57,800 $434 $1,445 $654 $26,160 25% $17,340 $12.58 $11.58 1.7 1.1 $573 Jasper County 2,560 $69,000 $518 $1,725 $752 $30,080 21% $20,700 $14.46 $11.02 2.0 1.3 25% Jay County $48,600 $365 $1,215 $650 $26,000 2,042 $14,580 $12.50 $9.76 1.7 1.3 $507 $407 Jefferson County 3,658 $1,358 $658 $26,320 29% $54,300 $16,290 $12.65 $10.62 1.7 1.2 $552 24% $53,000 Jennings County $398 $1,325 $713 $28,520 2,552 $15,900 $11.93 1.9 1.1 $620 $13.71 14,565 $66,700 $500 $1,668 $809 $32,360 28% $20,010 $15.56 $9.66 2.1 1.6 $502 Johnson County 34% Knox County $55,300 $415 $1,383 $661 $26,440 4,970 $16,590 $12.71 $10.48 1.8 1.2 $545 $13.33 $14.57 1.8 0.9 $758 23% Kosciusko County 6,733 $65,100 $488 $1,628 $693 $27,720 $19,530 $26,000 1.0 1.7 $12.92 $12.50 $15,990 19% $672 $650 $1,333 $400 $53,300 2,248 LaGrange County $19,200 $16.67 $11.53 2.3 1.4 $599 $867 $1,600 $480 $64,000 56,880 Lake County $34,680 31% $496 12,308 LaPorte County $1,485 $759 $30,360 29% $17,820 $14.60 $9.53 2.0 1.5 $59,400 $446 22% Lawrence County $54,000 $405 $1,350 $665 $26,600 3,997 $16,200 $12.79 $8.96 1.8 1.4 $466 $474 Madison County 15,809 $51,400 $386 $1,285 $702 $28,080 31% $15,420 $13.50 $9.12 1.9 1.5 $20,010 $809 $66,700 $500 $1,668 $32,360 45% 161,835 $15.56 $16.05 2.1 1.0 $835 Marion County $540 4,063 $59,100 $443 $1,478 $688 $27,520 23% $17,730 $13.23 $10.39 1.8 1.3 Marshall County $17,160 $12.50 $7.58 1.7 1.6 $429 $394 Martin County 773 $1,430 $650 $26,000 18% $57,200 3,389 $54,600 $410 $1,365 $650 $26,000 26% $16,380 $12.50 $9.69 1.7 1.3 $504 Miami County $17.77 $36,960 24,686 $67,700 $508 $1,693 $429 2.2 2.5 $8.24 $924 $20,310 46% Monroe County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 76 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

83 Indiana HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated t ren Full-time jobs at rent nec n renter essary to mea needed Monthly rent % of total Renter affordable min hourly mean imum wage affordable 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable renter wage at mean needed to afford at 30% 5 3 2 4 afford 2 BR FMR of AMI AM FMR 2 BR FMR I (2010-2014) (2010-2014) at AMI of AMI renter wage (2016) 2 BR FMR $16,380 4,175 $13.62 $1,365 $11.25 $708 $54,600 $28,320 Montgomery County $585 1.2 29% $410 1.9 $32,360 $516 1.6 $1,668 $500 $66,700 6,029 2.1 Morgan County $809 $9.93 $15.56 $20,010 24% $34,680 $539 1,266 $64,000 $480 $1,600 $867 Newton County 24% $19,200 $16.67 $10.36 2.3 1.6 $1,473 24% $17,670 $12.50 $10.59 1.7 1.2 $551 4,321 Noble County $650 $58,900 $442 $26,000 25% Ohio County $70,700 $530 $1,768 $787 $31,480 603 $21,210 $15.13 $7.00 2.1 2.2 $364 $467 Orange County 1,839 $47,700 $358 $1,193 $650 $26,000 24% $14,310 $12.50 $8.99 1.7 1.4 $15,870 $747 $52,900 $397 $1,323 $29,880 22% 1,851 $14.37 $12.08 2.0 1.2 $628 Owen County $434 1,097 $53,500 $401 $1,338 $650 $26,000 18% $16,050 $12.50 $8.35 1.7 1.5 Parke County $17,790 $12.50 $8.70 1.7 1.4 1,505 $453 Perry County $59,300 $1,483 $650 $26,000 20% $445 897 $51,400 $386 $1,285 $650 $26,000 18% $15,420 $12.50 $18.29 1.7 0.7 $951 Pike County 23% $594 $64,000 $480 $1,600 $867 $34,680 13,949 $19,200 $16.67 $11.41 2.3 1.5 Porter County $14.46 Posey County 1,715 $61,400 $461 $1,535 $752 $30,080 17% $18,420 $11.37 2.0 1.3 $591 $718 Pulaski County 1,158 $55,200 $414 $1,380 $650 $26,000 23% $16,560 $12.50 $13.80 1.7 0.9 24% Putnam County $60,600 $455 $1,515 $650 $26,000 2,964 $18,180 $12.50 $10.61 1.7 1.2 $551 $48,900 Randolph County $367 $1,223 $650 $26,000 26% 2,745 $14,670 $12.50 $10.35 1.7 1.2 $538 23% 2,528 $60,600 $455 $1,515 $671 $26,840 Ripley County $12.90 $13.39 1.8 1.0 $696 $18,180 Rush County 1,998 $58,400 $438 $1,460 $654 $26,160 29% $17,520 $12.58 $11.77 1.7 1.1 $612 32% St. Joseph County $52,500 $394 $1,313 $787 $31,480 32,129 $15,750 $15.13 $11.44 2.1 1.3 $595 $14.52 $8.25 2.0 1.8 $429 28% Scott County 2,543 $49,700 $373 $1,243 $755 $30,200 $14,910 $32,360 1.4 2.1 $10.76 $15.56 $20,010 29% $559 $809 $1,668 $500 $66,700 4,981 Shelby County $19,980 $12.50 $7.88 1.7 1.6 $410 $650 $1,665 $500 $66,600 1,455 Spencer County $26,000 18% $13.00 $10.27 1.8 1.3 $534 Starke County $356 $1,185 $676 $27,040 20% $14,220 1,781 $47,400 22% Steuben County $57,800 $434 $1,445 $715 $28,600 2,995 $17,340 $13.75 $9.52 1.9 1.4 $495 $452 Sullivan County 2,046 $57,200 $429 $1,430 $705 $28,200 27% $17,160 $13.56 $8.69 1.9 1.6 $15,000 $755 $50,000 $375 $1,250 $30,200 28% 1,120 $14.52 $9.33 2.0 1.6 $485 Switzerland County $580 30,977 $65,700 $493 $1,643 $832 $33,280 46% $19,710 $16.00 $11.15 2.2 1.4 Tippecanoe County 23% $18,720 $13.40 $11.16 1.8 $62,400 1.2 $580 Tipton County $468 $1,560 $697 $27,880 1,476 Union County 722 $58,800 $441 $1,470 $650 $26,000 24% $17,640 $12.50 $7.44 1.7 1.7 $387 $14.46 $30,080 27,187 $61,400 $461 $1,535 $643 1.2 2.0 $12.36 $752 $18,420 37% Vanderburgh County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 77 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

84 Indiana HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent t ren essary to mea n renter nec needed Monthly rent Renter % of total min rly mean imum wage hou affordable affordable 1 wage needed to afford 2 BR 30% to afford Annual 2 BR seholds hou seholds affordable hou needed to afford renter wage at mean at 30% 5 3 2 4 afford 2 BR FMR of AMI 2 BR FMR AMI FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage 1.0 $15,720 $1,310 $13.59 $393 1.8 21% $707 1,361 $52,400 Vermillion County $27,880 $697 $13.40 $1,310 $697 15,039 $27,880 38% $15,720 $13.40 $10.16 $52,400 1.8 1.3 $528 $393 Vigo County 3,088 $1,340 $53,600 $402 $454 1.4 1.7 $8.74 $12.50 $16,080 24% $26,000 Wabash County $650 Warren County 730 $26,080 $520 $652 22% $1,585 $19,020 $12.54 $10.00 1.7 1.3 $476 $63,400 $30,080 $514 3,774 $61,400 $461 $1,535 $752 Warrick County 17% $18,420 $14.46 $9.89 2.0 1.5 $26,360 1.4 1.7 $9.29 $12.67 $15,420 21% $1,285 $659 $386 $51,400 2,213 Washington County $483 $26,560 1.4 9,157 $50,300 $377 $1,258 $664 Wayne County 33% $15,090 $12.77 $9.32 1.8 $484 Wells County 2,258 $58,300 $437 $1,458 $708 $28,320 21% $17,490 $13.62 $11.07 1.9 1.2 $576 $523 White County 2,203 $62,600 $470 $1,565 $650 $26,000 23% $18,780 $12.50 $10.05 1.7 1.2 $13.62 $708 $437 $499 2,439 Whitley County 1.4 $28,320 19% $17,490 $1,458 $9.59 1.9 $58,300 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 78 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

85 S TAT E IOWA RANKING . In order to afford $730 In Iowa, the Fair Market Rent (FMR) for a two-bedroom apartment is * 47 this level of rent and utilities — without paying more than 30% of income on housing — a $29,183 monthly or $2,432 household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.03 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Johnson County Minimum Wage $7.25 $16.60 $11.29 Dallas County Average Renter Wage $16.23 2-Bedroom Housing Wage Guthrie County $16.23 $14.03 347,244 Number of Renter Households $16.23 Madison County Percent Renters 28% $16.23 Polk County (tied with 1 other) $730 Two bedroom FMR 77 $1,719 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $587 renter wage ––––––––––––– $516 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 1.9 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 79 OUT OF REACH 2016

86 Iowa FY16 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Monthly rent Renter minimum wage hourly mean affordable affordable 1 wage needed to 30% afford 2 BR Annual to afford 2 BR affordable households households renter wage needed to afford at mean at 30% 2 3 5 4 FMR afford 2 BR of AMI AMI FMR 2 BR FMR (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage Iowa 347,244 $11.29 $14.03 $68,743 $29,183 $587 $730 $1,719 $516 $20,623 1.9 1.2 28% Combined Nonmetro Areas $61,942 $25,770 $534 1.2 1.7 $1,549 $10.27 $12.39 132,645 25% $465 $644 $18,583 Metropolitan Areas 46% Ames MSA $79,500 $596 $1,988 $778 $31,120 $23,850 $14.96 $9.54 2.1 1.6 $496 16,464 19% $444 1.6 $8.54 $11.90 1,955 $21,450 1.4 Benton County HMFA $71,500 $536 $1,788 $619 $24,760 $441 1.5 1.7 $8.48 $12.48 $23,250 19% $581 $77,500 Bremer County HMFA $25,960 $649 $1,938 1,794 $14.06 Cedar Rapids HMFA $1,905 $731 $29,240 26% $22,860 $76,200 $12.16 1.9 1.2 $632 23,047 $572 21,106 1.2 1.9 $11.12 $13.69 $20,640 31% $28,480 $712 $1,720 $516 $68,800 Davenport-Moline-Rock Island MSA $578 $16.23 Des Moines-West Des Moines MSA $1,923 $844 $33,760 29% $23,070 $577 $13.76 2.2 1.2 $716 67,553 $76,900 1.3 $67,400 $506 $1,685 $707 $28,280 27% $20,220 $13.60 $10.65 1.9 $554 10,320 Dubuque MSA Iowa City HMFA $86,900 $652 $2,173 $863 $34,520 40% $26,070 $16.60 $8.72 2.3 1.9 $454 22,138 $20,010 Jones County HMFA $500 $1,668 $663 $26,520 23% $66,700 $12.75 $11.16 1.8 1.1 $581 1,888 28% $33,440 $836 $511 1.6 2.2 $9.83 $16.08 $21,630 13,257 Omaha-Council Bluffs HMFA $72,100 $541 $1,803 $25,120 $10.96 $12.08 $22,500 $628 $1,875 $563 $75,000 Plymouth County HMFA 20% 1,932 $570 1.1 1.7 $17,670 12,608 $442 $1,473 $711 $28,440 32% $58,900 $13.67 $10.39 1.9 1.3 $540 Sioux City HMFA 2,412 $68,700 $515 $1,718 $698 $27,920 27% $20,610 $13.42 $9.75 1.9 1.4 $507 Washington County HMFA $14.02 18,125 $19,620 31% $598 1.2 1.9 $11.50 Waterloo-Cedar Falls HMFA $65,400 $491 $1,635 $729 $29,160 Counties 24% $18,540 $11.90 $10.63 1.6 1.1 $553 $24,760 $619 $1,545 $464 $61,800 770 Adair County $24,760 24% 425 $58,000 $435 $1,450 $619 $17,400 $11.90 $13.96 1.6 0.9 $726 Adams County $17,340 22% $1,445 $434 $57,800 1,327 Allamakee County $619 $11.90 $10.21 1.6 1.2 $531 $24,760 $24,760 $619 $1,313 $394 $52,500 1,500 Appanoose County $466 28% $15,750 $11.90 $8.96 1.6 1.3 $659 1.6 472 $63,500 $476 $1,588 $619 Audubon County $24,760 17% $19,050 $11.90 $12.66 0.9 $619 $1,788 $536 $71,500 1,955 Benton County $444 1.6 $8.54 $11.90 $21,450 19% $24,760 1.4 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 80 OUT OF REACH 2016 •

87 Iowa RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,635 Black Hawk County $729 $29,160 33% 17,142 $14.02 $65,400 $11.48 1.9 1.2 $597 $491 $19,620 $12.17 $492 1.3 1.7 $9.46 Boone County $20,880 24% $25,320 $633 $1,740 $522 $69,600 2,581 19% Bremer County $77,500 $581 $1,938 $649 $25,960 1,794 $23,250 $12.48 $8.48 1.7 1.5 $441 $542 1,737 Buchanan County 1.7 $10.41 $12.42 $21,270 21% $25,840 $646 $1,773 $532 $70,900 1.2 $10.91 $60,500 $624 $24,960 30% $18,150 $12.00 $1,513 1.7 1.1 $567 $454 Buena Vista County 2,277 $486 Butler County 1,262 $589 1.1 1.6 $11.32 $11.90 $19,440 20% $24,760 $619 $1,620 $64,800 $441 Calhoun County 1.4 1.6 $8.48 $11.90 $17,010 22% $619 $1,418 $425 $56,700 $24,760 951 Carroll County $66,200 $497 $1,655 $619 $24,760 2,100 $19,860 $11.90 $7.27 1.6 1.6 $378 25% $9.41 1.6 1.3 $489 $404 $619 $53,800 1,781 Cass County $24,760 29% $16,140 $1,345 $11.90 $509 $1,698 $644 $25,760 21% $20,370 $12.38 $10.17 1.7 1.2 $529 Cedar County 1,583 $67,900 28% $561 $63,400 $476 $1,585 $686 $27,440 5,627 $19,020 $13.19 $10.78 1.8 1.2 Cerro Gordo County $553 Cherokee County 1,370 $63,300 $475 $1,583 $619 $24,760 25% $18,990 $11.90 $10.63 1.6 1.1 $441 1,123 Chickasaw County $57,200 $429 $1,430 $619 $24,760 21% $17,160 $11.90 $8.49 1.6 1.4 31% Clarke County $61,600 $462 $1,540 $690 $27,600 1,125 $18,480 $13.27 $8.97 1.8 1.5 $466 $1,660 Clay County 1,897 $66,400 $619 $24,760 26% $498 $19,920 $11.90 $9.20 1.6 1.3 $478 21% $442 1,627 Clayton County $1,473 $619 $24,760 $58,900 $17,670 $11.90 1.6 1.3 $479 $9.22 $65,100 $488 $1,628 $674 $26,960 26% $19,530 $12.96 $9.35 1.8 1.4 $486 Clinton County 5,176 24% Crawford County $58,600 $440 $1,465 $619 $24,760 1,547 $17,580 $11.90 $8.65 1.6 1.4 $450 $16.23 $13.28 2.2 1.2 $691 24% Dallas County 6,375 $76,900 $577 $1,923 $844 $33,760 $23,070 $25,240 1.7 1.7 $7.13 $12.13 $15,930 22% $371 $631 $1,328 $398 $53,100 679 Davis County $14,250 $11.90 $6.97 1.6 1.7 $362 $619 $1,188 $356 $47,500 1,019 Decatur County $24,760 33% 21% Delaware County 1,496 $20,970 $11.90 $9.96 1.6 1.2 $518 $69,900 $619 $24,760 $524 $1,748 27% Des Moines County $54,600 $410 $1,365 $696 $27,840 4,604 $16,380 $13.38 $10.61 1.8 1.3 $552 $451 Dickinson County 2,008 $66,500 $499 $1,663 $625 $25,000 26% $19,950 $12.02 $8.67 1.7 1.4 $20,220 $707 $67,400 $506 $1,685 $28,280 27% 10,320 $13.60 $10.65 1.9 1.3 $554 Dubuque County $476 898 $65,000 $488 $1,625 $619 $24,760 22% $19,500 $11.90 $9.16 1.6 1.3 Emmet County $11.90 $9.22 1.6 1.3 $479 $1,548 2,020 Fayette County $61,900 $619 $24,760 24% $18,570 $464 $57,500 $431 $1,438 $619 $24,760 28% $17,250 $11.90 $8.52 1.6 1.4 $443 Floyd County 1,969 $11.90 $24,760 1,035 $56,100 $421 $1,403 $616 1.0 1.6 $11.85 $619 $16,830 24% Franklin County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 81 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

88 Iowa HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Estimate Full-time jobs at d essary to Monthly rent nec mea n renter nee ded affordable affordable % of total Renter imum wage hourly mean min 1 afford 2 BR affordable wage needed to 30% to afford 2 BR Annual at mean at 30% households hou seholds needed to afford renter wage 4 2 3 5 at AMI FMR afford 2 BR of AMI 2 BR FMR FMR AMI renter wage of AMI (2010-2014) (2010-2014) 2 BR FMR (2016) 24% $473 719 $1,575 $18,900 $11.90 $10.04 Fremont County $63,000 $619 $522 1.2 $24,760 1.6 $17,610 24% $606 1.0 $619 $1,468 $440 $58,700 914 Greene County $24,760 1.6 $11.66 $11.90 $29,160 $623 983 $65,400 $491 $1,635 $729 Grundy County 19% $19,620 $14.02 $11.99 1.9 1.2 $33,760 Guthrie County $1,923 $16.23 $12.37 2.2 1.3 $643 $577 20% $76,900 914 $844 $23,070 30% Hamilton County $59,700 $448 $1,493 $658 $26,320 1,879 $17,910 $12.65 $10.09 1.7 1.3 $525 $624 Hancock County 807 $62,500 $469 $1,563 $619 $24,760 17% $18,750 $11.90 $12.00 1.6 1.0 $19,830 $619 $66,100 $496 $1,653 $24,760 23% 1,643 $11.90 $11.19 1.6 1.1 $582 Hardin County $444 1,390 $72,100 $541 $1,803 $836 $33,440 23% $21,630 $16.08 $8.54 2.2 1.9 Harrison County $18,000 $11.90 $10.21 1.6 1.2 $450 $531 Henry County $60,000 1,946 $619 $24,760 26% $1,500 796 $57,000 $428 $1,425 $619 $24,760 20% $17,100 $11.90 $9.03 1.6 1.3 $470 Howard County 26% $578 $63,800 $479 $1,595 $619 $24,760 1,085 $19,140 $11.90 $11.12 1.6 1.1 Humboldt County $12.61 Ida County 802 $60,000 $450 $1,500 $619 $24,760 26% $18,000 $11.90 1.6 0.9 $656 $600 Iowa County 1,440 $75,400 $566 $1,885 $619 $24,760 21% $22,620 $11.90 $11.55 1.6 1.0 25% Jackson County $58,000 $435 $1,450 $619 $24,760 2,104 $17,400 $11.90 $7.57 1.6 1.6 $394 $65,100 Jasper County $488 $1,628 $656 $26,240 28% 4,044 $19,530 $12.62 $9.66 1.7 1.3 $502 31% 2,145 $62,600 $470 $1,565 $715 $28,600 Jefferson County $13.75 $9.28 1.9 1.5 $482 $18,780 Johnson County 22,138 $86,900 $652 $2,173 $863 $34,520 40% $26,070 $16.60 $8.72 2.3 1.9 $454 23% Jones County $66,700 $500 $1,668 $663 $26,520 1,888 $20,010 $12.75 $11.16 1.8 1.1 $581 $11.90 $10.63 1.6 1.1 $553 21% Keokuk County 901 $55,800 $419 $1,395 $619 $24,760 $16,740 $24,760 1.2 1.6 $10.06 $11.90 $19,800 19% $523 $619 $1,650 $495 $66,000 1,260 Kossuth County $17,010 $12.25 $11.62 1.7 1.1 $604 $637 $1,418 $425 $56,700 3,720 Lee County $25,480 26% $14.06 $12.16 1.9 1.2 $632 Linn County $572 $1,905 $731 $29,240 26% $22,860 23,047 $76,200 23% Louisa County $59,100 $443 $1,478 $665 $26,600 1,014 $17,730 $12.79 $10.17 1.8 1.3 $529 $394 Lucas County 807 $57,000 $428 $1,425 $619 $24,760 22% $17,100 $11.90 $7.58 1.6 1.6 $19,230 $619 $64,100 $481 $1,603 $24,760 18% 802 $11.90 $9.82 1.6 1.2 $511 Lyon County $426 1,475 $76,900 $577 $1,923 $844 $33,760 24% $23,070 $16.23 $8.19 2.2 2.0 Madison County 30% $18,210 $12.88 $9.73 1.8 $60,700 1.3 $506 Mahaska County $455 $1,518 $670 $26,800 2,707 Marion County 3,131 $71,100 $533 $1,778 $712 $28,480 24% $21,330 $13.69 $11.27 1.9 1.2 $586 $12.75 $26,520 4,105 $62,100 $466 $1,553 $644 1.0 1.8 $12.39 $663 $18,630 27% Marshall County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 82 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

89 Iowa RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,803 Mills County $836 $33,440 17% 910 $16.08 $72,100 $8.99 2.2 1.8 $468 $541 $21,630 $11.90 $530 1.2 1.6 $10.20 Mitchell County $20,610 18% $24,760 $619 $1,718 $515 $68,700 783 28% Monona County $58,800 $441 $1,470 $619 $24,760 1,100 $17,640 $11.90 $11.10 1.6 1.1 $577 $696 784 Monroe County 1.7 $13.38 $12.12 $17,520 24% $25,200 $630 $1,460 $438 $58,400 0.9 $9.74 $55,000 $619 $24,760 31% $16,500 $11.90 $1,375 1.6 1.2 $506 $413 Montgomery County 1,416 $467 Muscatine County 4,180 $653 1.2 2.0 $12.55 $14.44 $18,660 26% $30,040 $751 $1,555 $62,200 $443 O'Brien County 1.4 1.6 $8.53 $11.90 $19,680 26% $619 $1,640 $492 $65,600 $24,760 1,539 Osceola County $65,600 $492 $1,640 $619 $24,760 630 $19,680 $11.90 $11.64 1.6 1.0 $605 23% $10.33 1.6 1.2 $537 $445 $619 $59,300 1,683 Page County $24,760 26% $17,790 $1,483 $11.90 $466 $1,553 $619 $24,760 25% $18,630 $11.90 $10.00 1.6 1.2 $520 Palo Alto County 994 $62,100 20% $570 $75,000 $563 $1,875 $628 $25,120 1,932 $22,500 $12.08 $10.96 1.7 1.1 Plymouth County $626 Pocahontas County 694 $58,100 $436 $1,453 $619 $24,760 22% $17,430 $11.90 $12.03 1.6 1.0 $731 54,938 Polk County $76,900 $577 $1,923 $844 $33,760 31% $23,070 $16.23 $14.06 2.2 1.2 30% Pottawattamie County $72,100 $541 $1,803 $836 $33,440 10,957 $21,630 $16.08 $10.02 2.2 1.6 $521 $1,715 Poweshiek County 2,244 $68,600 $645 $25,800 30% $515 $20,580 $12.40 $10.43 1.7 1.2 $542 24% $411 504 Ringgold County $1,370 $619 $24,760 $54,800 $16,440 $11.90 1.6 1.0 $593 $11.41 $63,600 $477 $1,590 $619 $24,760 20% $19,080 $11.90 $12.69 1.6 0.9 $660 Sac County 872 31% Scott County $68,800 $516 $1,720 $712 $28,480 21,106 $20,640 $13.69 $11.12 1.9 1.2 $578 $12.23 $8.24 1.7 1.5 $428 23% Shelby County 1,193 $63,900 $479 $1,598 $636 $25,440 $19,170 $24,760 1.2 1.6 $10.24 $11.90 $20,640 22% $533 $619 $1,720 $516 $68,800 2,562 Sioux County $23,850 $14.96 $9.54 2.1 1.6 $496 $778 $1,988 $596 $79,500 16,464 Story County $31,120 46% 24% Tama County 1,628 $18,690 $12.29 $9.91 1.7 1.2 $515 $62,300 $639 $25,560 $467 $1,558 28% Taylor County $53,100 $398 $1,328 $619 $24,760 772 $15,930 $11.90 $9.75 1.6 1.2 $507 $477 Union County 1,403 $56,800 $426 $1,420 $619 $24,760 27% $17,040 $11.90 $9.17 1.6 1.3 $16,800 $619 $56,000 $420 $1,400 $24,760 15% 441 $11.90 $11.51 1.6 1.0 $598 Van Buren County $501 3,963 $53,100 $398 $1,328 $688 $27,520 27% $15,930 $13.23 $9.64 1.8 1.4 Wapello County $16.23 $8.82 2.2 1.8 $459 $1,923 3,851 Warren County $76,900 $844 $33,760 22% $23,070 $577 $68,700 $515 $1,718 $698 $27,920 27% $20,610 $13.42 $9.75 1.9 1.4 $507 Washington County 2,412 $11.90 $24,760 489 $53,800 $404 $1,345 $442 1.4 1.6 $8.50 $619 $16,140 19% Wayne County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 83 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

90 Iowa HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent nec essary to mea n renter needed Monthly rent % of total Renter imum wage hou rly mean min affordable affordable 1 afford 2 BR wage needed to to afford 30% Annual 2 BR hou hou affordable seholds seholds renter wage needed to afford at mean at 30% 4 3 5 2 afford 2 BR FMR 2 BR FMR AMI of AMI FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) renter wage of AMI $619 $24,760 5,001 32% $17,580 $11.90 $11.03 $58,600 1.1 $574 1.6 $440 Webster County $1,465 $24,760 24% 1.4 1.6 $8.29 $11.90 $18,960 $431 $619 $1,580 $474 $63,200 1,110 Winnebago County $24,800 $11.92 Winneshiek County 24% $620 $20,550 $514 $10.72 $68,500 1,951 1.6 1.1 $557 $1,713 $1,473 $442 $58,900 $17,670 12,608 Woodbury County 32% $13.67 $10.39 $28,440 1.9 1.3 $540 $711 $24,760 $474 1.6 $9.12 $11.90 $18,510 20% 1.3 $619 $1,543 $61,700 647 Worth County $463 $574 Wright County 1,305 $60,600 $455 $1,515 $619 $24,760 24% $18,180 $11.90 $11.03 1.6 1.1 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 84 OUT OF REACH 2016 •

91 S TAT E KANSAS RANKING * . In order to afford $781 In Kansas, the Fair Market Rent (FMR) for a two-bedroom apartment is 35 this level of rent and utilities — without paying more than 30% of income on housing — a $31,221 monthly or $2,602 household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.01 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Pottawatomie County Minimum Wage $7.25 $17.54 $12.42 Riley County Average Renter Wage $17.54 2-Bedroom Housing Wage Johnson County $17.17 $15.01 365,546 Number of Renter Households $17.17 Leavenworth County Percent Renters 33% $17.17 Linn County (tied with 2 others) $781 Two bedroom FMR 83 $1,617 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $646 renter wage ––––––––––––– $485 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 85 OUT OF REACH 2016

92 Kansas AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual 2 BR 30% to afford households affordable households needed to afford renter wage at 30% at mean 5 4 3 2 afford 2 BR FMR AMI of AMI 2 BR FMR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage Kansas $19,407 365,546 $485 1.2 $12.42 $15.01 $646 $64,691 $1,617 $781 2.1 $31,221 33% Combined Nonmetro Areas 1.3 $17,062 $27,804 $56,872 $1,422 $554 $427 1.8 $10.66 114,217 $695 $13.37 30% Metropolitan Areas $14.52 $17.17 $21,840 101,478 $35,720 $893 $1,820 $546 $72,800 Kansas City HMFA * $755 1.2 32% 2.4 $449 $59,800 Kingman County HMFA 26% $26,360 $659 $17,940 $12.67 $11.77 1.7 1.1 $612 813 $1,495 $74,700 21,156 $1,868 $835 $33,400 48% $22,410 $16.06 $8.52 2.2 1.9 $443 Lawrence MSA $560 $36,480 16,916 2.4 $10.08 $17.54 $19,770 49% 1.7 $912 $1,648 $494 $65,900 Manhattan MSA $524 $622 1.1 1.9 $11.96 $13.44 $18,030 25% $27,960 $699 $1,503 $451 $60,100 St. Joseph MSA 800 $8.30 Sumner County HMFA $658 $26,320 22% $18,990 $12.65 $1,583 1.7 1.5 $432 2,019 $63,300 $475 $62,600 $470 $1,565 $727 $29,080 $18,780 32% Topeka MSA $13.98 $11.38 1.9 1.2 $592 30,204 $19,560 Wichita HMFA $489 $1,630 $742 $29,680 34% $65,200 $14.27 $12.58 2.0 1.1 $654 77,943 Counties $388 $51,700 1,497 Allen County 1.3 1.7 $9.54 $12.65 $15,510 28% $26,320 $496 $1,293 $658 $26,320 26% 849 $16,920 $12.65 $8.08 1.7 1.6 $420 Anderson County $56,400 $423 $1,410 $658 $17,340 Atchison County $434 $1,445 $674 $26,960 27% $57,800 $12.96 $9.96 1.8 1.3 $518 1,684 Barber County 564 $57,500 $431 $1,438 $658 $26,320 26% $17,250 $12.65 $12.34 1.7 1.0 $642 31% Barton County $57,700 $433 $1,443 $658 $26,320 3,524 $17,310 $12.65 $11.60 1.7 1.1 $603 $449 Bourbon County 1,680 $51,600 $387 $1,290 $671 $26,840 29% $15,480 $12.90 $8.64 1.8 1.5 $658 Brown County $53,800 $404 $1,345 $26,320 32% $16,140 $12.65 $10.20 1.7 1.2 $530 1,322 $19,560 Butler County $489 $1,630 $742 $29,680 25% $65,200 $14.27 $10.52 2.0 1.4 $547 6,034 Chase County 310 $57,800 $434 $1,445 $658 $26,320 27% $17,340 $12.65 $6.78 1.7 1.9 $352 20% Chautauqua County $46,400 $348 $1,160 $700 $28,000 319 $13,920 $13.46 $10.59 1.9 1.3 $551 1,925 $605 1.7 1.1 $11.63 $12.65 $15,930 24% $26,320 $658 $1,328 $398 $53,100 Cherokee County $16,500 $12.65 $10.80 1.7 1.2 $561 Cheyenne County 296 $55,000 $413 $1,375 $658 $26,320 23% $595 29% 278 $53,500 $401 $658 $1,338 Clark County 1.1 1.7 $11.44 $12.65 $16,050 $26,320 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 86 OUT OF REACH 2016 •

93 Kansas RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at t ren rent essary to nec nee ded n renter mea Monthly rent % of total Renter imum wage min hourly mean affordable affordable 1 Annual 2 BR to afford afford 2 BR seholds hou wage needed to seholds affordable hou 30% needed to afford renter wage at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI (2016) 2 BR FMR of AMI renter wage $440 $1,468 Clay County $749 $29,960 691 $17,610 $58,700 $14.40 $11.57 2.0 1.2 $601 20% $12.65 $488 1.3 1.7 $9.39 Cloud County $14,070 27% $26,320 $658 $1,173 $352 $46,900 1,071 $26,320 $851 888 $67,800 $509 $1,695 $658 Coffey County 25% $20,340 $12.65 $16.36 1.7 0.8 1.3 $9.93 $13.29 $17,070 24% $27,640 $691 $1,423 $516 $427 $56,900 184 Comanche County 1.8 $12.85 4,198 $1,363 $668 $26,720 30% $16,350 $409 $10.00 1.8 1.3 $520 $54,500 Cowley County $52,300 Crawford County $478 1.5 1.9 $9.20 $13.52 $15,690 40% $28,120 $703 $1,308 $392 6,131 $26,320 $333 2.0 1.7 $6.41 $12.65 $13,620 21% $658 $1,135 $341 $45,400 309 Decatur County Dickinson County $60,400 $453 $1,510 $658 $26,320 2,086 $18,120 $12.65 $8.60 1.7 1.5 $447 27% $13.44 $11.96 1.9 1.1 $622 $1,503 $60,100 800 Doniphan County $699 $27,960 25% $451 $18,030 $74,700 $560 $1,868 $835 $33,400 48% $22,410 $16.06 $8.52 2.2 1.9 $443 Douglas County 21,156 24% $620 $56,600 $425 $1,415 $658 $26,320 306 $16,980 $12.65 $11.92 1.7 1.1 Edwards County $332 Elk County 265 $44,600 $335 $1,115 $658 $26,320 21% $13,380 $12.65 $6.38 1.7 2.0 $490 Ellis County 4,422 $65,400 $491 $1,635 $658 $26,320 37% $19,620 $12.65 $9.42 1.7 1.3 25% Ellsworth County $60,100 $451 $1,503 $658 $26,320 645 $18,030 $12.65 $10.38 1.7 1.2 $540 $432 Finney County 4,723 $1,440 $732 $29,280 37% $57,600 $17,280 $14.08 $13.77 1.9 1.0 $716 36% $58,900 Ford County $442 $1,473 $677 $27,080 3,954 $17,670 $10.49 1.8 1.2 $545 $13.02 2,821 $60,300 $452 $1,508 $773 $30,920 28% $18,090 $14.87 $9.86 2.1 1.5 $512 Franklin County 55% Geary County $53,100 $398 $1,328 $856 $34,240 7,080 $15,930 $16.46 $13.17 2.3 1.2 $685 1.5 $438 $15,990 $8.42 1.7 Gove County 248 $53,300 $400 $1,333 $658 $26,320 20% $12.65 $26,320 1.1 1.7 $11.48 $12.65 $18,180 20% $597 $658 $1,515 $455 $60,600 231 Graham County $12.65 $14.93 1.7 0.8 $777 $26,320 $658 $1,523 $457 $60,900 735 Grant County 26% $18,270 $637 Gray County 578 $1,640 $658 $26,320 27% $19,680 $12.65 $12.25 1.7 1.0 $65,600 $492 23% Greeley County $60,400 $453 $1,510 $658 $26,320 106 $18,120 $12.65 $19.66 1.7 0.6 $1,022 $432 Greenwood County 642 $54,700 $410 $1,368 $658 $26,320 22% $16,410 $12.65 $8.32 1.7 1.5 $15,990 $753 $53,300 $400 $1,333 $30,120 26% 260 $14.48 $13.10 2.0 1.1 $681 Hamilton County $477 602 $49,600 $372 $1,240 $658 $26,320 23% $14,880 $12.65 $9.18 1.7 1.4 Harper County $19,560 $14.27 $8.97 2.0 1.6 $489 $466 Harvey County 3,853 $1,630 $742 $29,680 29% $65,200 369 $61,700 $463 $1,543 $841 $33,640 26% $18,510 $16.17 $15.00 2.2 1.1 $780 Haskell County $699 25% 204 $68,800 $516 $1,720 $658 Hodgeman County 0.9 1.7 $13.44 $12.65 $20,640 $26,320 * 50th percentile FMR (See Appendix A). 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 87 OUT OF REACH 2016 •

94 Kansas RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at ren rent t n renter mea nec essary to needed Monthly rent Renter % of total rly mean min hou imum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR hou hou affordable seholds seholds needed to afford renter wage at mean at 30% 3 2 5 4 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage $29,080 25% Jackson County $18,780 $470 $13.98 $7.56 $1,565 1.9 $727 1,342 1.8 $393 $62,600 $609 17% $29,080 $727 $1,565 $470 $62,600 1,289 $18,780 Jefferson County $13.98 $11.72 1.9 1.2 $26,320 $596 276 $53,300 $400 $1,333 $658 Jewell County 19% $15,990 $12.65 $11.47 1.7 1.1 $893 $546 $21,840 $17.17 $14.69 2.4 1.2 $764 $72,800 $35,720 65,806 Johnson County * $1,820 30% 29% Kearny County $62,300 $467 $1,558 $658 $26,320 387 $18,690 $12.65 $14.68 1.7 0.9 $764 $612 Kingman County 813 $59,800 $449 $1,495 $659 $26,360 26% $17,940 $12.67 $11.77 1.7 1.1 $17,760 $658 $59,200 $444 $1,480 $26,320 37% 387 $12.65 $8.65 1.7 1.5 $450 Kiowa County $509 2,497 $51,200 $384 $1,280 $658 $26,320 29% $15,360 $12.65 $9.79 1.7 1.3 Labette County $19,980 $12.65 $12.45 1.7 1.0 $500 $648 Lane County $66,600 190 $658 $26,320 23% $1,665 8,714 $72,800 $546 $1,820 $893 $35,720 33% $21,840 $17.17 $10.96 2.4 1.6 $570 Leavenworth County * 22% $449 $55,600 $417 $1,390 $658 $26,320 311 $16,680 $12.65 $8.64 1.7 1.5 Lincoln County $11.36 Linn County * 802 $72,800 $546 $1,820 $893 $35,720 19% $21,840 $17.17 2.4 1.5 $591 $515 Logan County 367 $61,000 $458 $1,525 $658 $26,320 30% $18,300 $12.65 $9.90 1.7 1.3 40% Lyon County $52,500 $394 $1,313 $658 $26,320 5,279 $15,750 $12.65 $8.17 1.7 1.5 $425 $69,800 McPherson County $524 $1,745 $701 $28,040 23% 2,716 $20,940 $13.48 $12.74 1.9 1.1 $663 21% 1,025 $58,900 $442 $1,473 $658 $26,320 Marion County $12.65 $8.50 1.7 1.5 $442 $17,670 Marshall County 999 $62,200 $467 $1,555 $658 $26,320 23% $18,660 $12.65 $10.92 1.7 1.2 $568 30% Meade County $55,500 $416 $1,388 $658 $26,320 531 $16,650 $12.65 $14.55 1.7 0.9 $757 2.4 $370 $21,840 $7.11 2.4 Miami County * 2,582 $72,800 $546 $1,820 $893 $35,720 21% $17.17 $26,320 1.3 1.7 $9.83 $12.65 $18,930 30% $511 $658 $1,578 $473 $63,100 832 Mitchell County $12.65 $9.74 1.7 1.3 $506 $26,320 $658 $1,350 $405 $54,000 4,101 Montgomery County 30% $16,200 $12.65 $6.80 1.7 1.9 $354 Morris County $440 $1,468 $658 $26,320 22% $17,610 539 $58,700 31% Morton County $52,600 $395 $1,315 $658 $26,320 371 $15,780 $12.65 $12.68 1.7 1.0 $659 $536 Nemaha County 942 $63,300 $475 $1,583 $658 $26,320 23% $18,990 $12.65 $10.30 1.7 1.2 $15,360 $658 $51,200 $384 $1,280 $26,320 27% 1,737 $12.65 $7.96 1.7 1.6 $414 Neosho County $741 264 $63,600 $477 $1,590 $658 $26,320 19% $19,080 $12.65 $14.26 1.7 0.9 Ness County 26% $19,440 $12.65 $11.38 1.7 $64,800 1.1 $592 Norton County $486 $1,620 $658 $26,320 569 Osage County 1,572 $62,600 $470 $1,565 $727 $29,080 24% $18,780 $13.98 $7.20 1.9 1.9 $375 $577 24% 420 $50,400 $378 $1,260 $658 Osborne County 1.1 1.7 $11.10 $12.65 $15,120 $26,320 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 88 OUT OF REACH 2016 •

95 Kansas RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,695 Ottawa County $689 $27,560 19% 469 $13.25 $67,800 $8.18 1.8 1.6 $426 $509 $20,340 $12.65 $727 0.9 1.7 $13.97 Pawnee County $17,460 29% $26,320 $658 $1,455 $437 $58,200 740 23% Phillips County $56,600 $425 $1,415 $658 $26,320 556 $16,980 $12.65 $12.50 1.7 1.0 $650 $565 1,821 Pottawatomie County 2.4 $10.87 $17.54 $19,770 22% $36,480 $912 $1,648 $494 $65,900 1.6 $11.81 $61,600 $664 $26,560 32% $18,480 $12.77 $1,540 1.8 1.1 $614 $462 Pratt County 1,285 $428 Rawlins County 376 $641 1.0 1.7 $12.32 $12.65 $17,100 31% $26,320 $658 $1,425 $57,000 $554 Reno County 1.3 1.9 $10.66 $13.69 $16,860 32% $712 $1,405 $422 $56,200 $28,480 8,043 Republic County $54,300 $407 $1,358 $658 $26,320 490 $16,290 $12.65 $10.36 1.7 1.2 $539 22% $8.64 1.7 1.5 $449 $440 $658 $58,700 1,009 Rice County $26,320 26% $17,610 $1,468 $12.65 $494 $1,648 $912 $36,480 58% $19,770 $17.54 $9.76 2.4 1.8 $508 Riley County 15,095 $65,900 26% $579 $54,400 $408 $1,360 $658 $26,320 593 $16,320 $12.65 $11.13 1.7 1.1 Rooks County $448 Rush County 365 $54,100 $406 $1,353 $658 $26,320 24% $16,230 $12.65 $8.61 1.7 1.5 $496 891 Russell County $49,400 $371 $1,235 $714 $28,560 27% $14,820 $13.73 $9.55 1.9 1.4 33% Saline County $57,400 $431 $1,435 $734 $29,360 7,468 $17,220 $14.12 $9.14 1.9 1.5 $475 $1,435 Scott County 536 $57,400 $852 $34,080 25% $431 $17,220 $16.38 $19.68 2.3 0.8 $1,023 35% $489 68,056 Sedgwick County $1,630 $742 $29,680 $65,200 $19,560 $14.27 2.0 1.1 $671 $12.91 $53,900 $404 $1,348 $739 $29,560 34% $16,170 $14.21 $13.29 2.0 1.1 $691 Seward County 2,545 35% Shawnee County $62,600 $470 $1,565 $727 $29,080 25,584 $18,780 $13.98 $11.59 1.9 1.2 $603 1.1 $588 $17,640 $11.31 1.7 Sheridan County 249 $58,800 $441 $1,470 $658 $26,320 22% $12.65 $26,520 1.3 1.8 $9.45 $12.75 $14,220 44% $491 $663 $1,185 $356 $47,400 1,204 Sherman County $12.65 $6.50 1.7 1.9 $338 $26,320 $658 $1,333 $400 $53,300 358 Smith County 21% $15,990 Stafford County 331 18% $17,460 $12.65 $13.19 1.7 1.0 $686 $58,200 $658 $26,320 $437 $1,455 25% Stanton County $52,300 $392 $1,308 $658 $26,320 207 $15,690 $12.65 $14.43 1.7 0.9 $750 $655 Stevens County 430 $65,100 $488 $1,628 $721 $28,840 22% $19,530 $13.87 $12.60 1.9 1.1 $18,990 $658 $63,300 $475 $1,583 $26,320 22% 2,019 $12.65 $8.30 1.7 1.5 $432 Sumner County $389 869 $73,700 $553 $1,843 $658 $26,320 27% $22,110 $12.65 $7.47 1.7 1.7 Thomas County $13.35 $12.50 1.8 1.1 $650 $1,440 322 Trego County $57,600 $694 $27,760 26% $17,280 $432 $62,600 $470 $1,565 $727 $29,080 15% $18,780 $13.98 $9.65 1.9 1.4 $502 Wabaunsee County 417 $681 24% 148 $60,600 $455 $1,515 $658 Wallace County 1.0 1.7 $13.09 $12.65 $18,180 $26,320 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 89 OUT OF REACH 2016 •

96 Kansas RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE HOUSING COSTS Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t rent ren ded nee Renter nec % of total essary to n renter mea imum wage min hourly mean affordable affordable Monthly rent 1 to afford Annual 2 BR households afford 2 BR hou seholds wage needed to 30% renter wage needed to afford at mean at 30% affordable 2 3 5 4 2 BR FMR AMI FMR (2010-2014) (2010-2014) FMR afford 2 BR of AMI 2 BR FMR (2016) of AMI renter wage at AMI $424 $1,413 $658 $26,320 20% 481 $12.65 $8.34 1.7 Washington County 1.5 $56,500 $434 $16,950 $12.46 $12.65 $16,920 1.7 25% $648 $658 $1,410 $423 1.0 $56,400 221 Wichita County $26,320 $691 1,008 $49,400 $371 $1,235 $658 Wilson County 26% $14,820 $12.65 $13.29 1.7 1.0 $26,320 $658 $1,210 $363 $48,400 286 Woodson County 1.7 $478 $12.65 $14,520 1.4 19% $26,320 $9.20 $784 Wyandotte County * 23,574 $72,800 $546 $1,820 $893 $35,720 41% $21,840 $17.17 $15.09 2.4 1.1 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 90

97 S TAT E KENTUCKY RANKING * . In order to $733 In Kentucky, the Fair Market Rent (FMR) for a two-bedroom apartment is 45 afford this level of rent and utilities — without paying more than 30% of income on housing — $29,319 monthly or $2,443 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.10 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Louisville HMFA Minimum Wage $7.25 $15.71 $11.46 Shelby County Average Renter Wage $15.69 2-Bedroom Housing Wage Christian County $15.33 $14.10 550,223 Number of Renter Households $15.33 Trigg County Percent Renters 32% $15.31 Lexington-Fayette MSA $733 Two bedroom FMR 78 $1,436 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $596 renter wage ––––––––––––– $431 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 1.9 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 91 OUT OF REACH 2016

98 Kentucky HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 30% Annual 2 BR affordable households households renter wage needed to afford at mean at 30% 3 5 4 2 afford 2 BR FMR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage Kentucky 550,223 $11.46 $14.10 $57,445 $29,319 $596 $733 $1,436 $431 $17,233 1.9 1.2 32% Combined Nonmetro Areas $46,778 $26,229 $508 1.3 1.7 $1,169 $9.77 $12.61 205,151 29% $351 $656 $14,033 Metropolitan Areas 29% Allen County HMFA $50,700 $380 $1,268 $622 $24,880 $15,210 $11.96 $10.02 1.6 1.2 $521 2,306 40% $562 1.9 $10.81 $13.94 19,648 $18,060 1.3 Bowling Green HMFA $60,200 $452 $1,505 $725 $29,000 $328 1.9 1.6 $6.31 $11.96 $13,950 26% $349 $46,500 Butler County HMFA $24,880 $622 $1,163 1,331 $15.13 Cincinnati HMFA $1,768 $787 $31,480 30% $21,210 $70,700 $12.46 2.1 1.2 $648 45,750 $530 14,154 1.2 2.1 $12.80 $15.33 $17,190 45% $31,880 $797 $1,433 $430 $57,300 Clarksville MSA $666 $12.46 Elizabethtown HMFA $1,525 $648 $25,920 36% $18,300 $458 $11.52 1.7 1.1 $599 16,265 $61,000 1.4 $61,400 $461 $1,535 $752 $30,080 34% $18,420 $14.46 $10.12 2.0 $526 6,477 Evansville MSA Grant County HMFA $53,200 $399 $1,330 $730 $29,200 29% $15,960 $14.04 $9.84 1.9 1.4 $512 2,418 $16,440 Huntington-Ashland HMFA $411 $1,370 $658 $26,320 28% $54,800 $12.65 $11.64 1.7 1.1 $605 9,354 41% $31,840 $796 $595 1.3 2.1 $11.44 $15.31 $19,830 78,849 Lexington-Fayette MSA $66,100 $496 $1,653 $32,680 $13.15 $15.71 $20,100 $817 $1,675 $503 $67,000 Louisville HMFA 34% 127,559 $684 1.2 2.2 $15,570 2,982 $389 $1,298 $680 $27,200 28% $51,900 $13.08 $10.98 1.8 1.2 $571 Meade County HMFA 13,264 $59,400 $446 $1,485 $663 $26,520 29% $17,820 $12.75 $10.51 1.8 1.2 $547 Owensboro MSA $15.69 4,715 $21,570 30% $576 1.4 2.2 $11.08 Shelby County HMFA $71,900 $539 $1,798 $816 $32,640 Counties 26% $14,010 $11.96 $7.74 1.6 1.5 $402 $24,880 $622 $1,168 $350 $46,700 1,831 Adair County $24,880 29% 2,306 $50,700 $380 $1,268 $622 $15,210 $11.96 $10.02 1.6 1.2 $521 Allen County $19,950 25% $1,663 $499 $66,500 2,071 Anderson County $751 $14.44 $10.53 2.0 1.4 $548 $30,040 $24,880 $622 $1,448 $434 $57,900 594 Ballard County $677 18% $17,370 $11.96 $13.02 1.6 0.9 $439 1.7 5,347 $52,600 $395 $1,315 $639 Barren County $25,560 32% $15,780 $12.29 $8.44 1.5 $622 $945 $284 $37,800 1,036 Bath County $428 1.6 $8.23 $11.96 $11,340 24% $24,880 1.5 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 92 OUT OF REACH 2016 •

99 Kentucky RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $818 Bell County $622 $24,880 33% 3,681 $11.96 $32,700 $7.53 1.6 1.6 $392 $245 $9,810 $15.13 $687 1.1 2.1 $13.20 Boone County $21,210 26% $31,480 $787 $1,768 $530 $70,700 11,342 40% Bourbon County $66,100 $496 $1,653 $796 $31,840 3,092 $19,830 $15.31 $10.65 2.1 1.4 $554 $645 6,036 Boyd County 1.7 $12.40 $12.65 $16,440 31% $26,320 $658 $1,370 $411 $54,800 1.0 $10.37 $51,000 $696 $27,840 35% $15,300 $13.38 $1,275 1.8 1.3 $539 $383 Boyle County 3,853 $530 Bracken County 729 $435 1.8 2.1 $8.36 $15.13 $21,210 22% $31,480 $787 $1,768 $70,700 $490 Breathitt County 1.3 1.6 $9.42 $11.96 $8,880 24% $622 $740 $222 $29,600 $24,880 1,284 Breckinridge County $48,100 $361 $1,203 $622 $24,880 1,532 $14,430 $11.96 $7.63 1.6 1.6 $397 21% $8.83 2.2 1.8 $459 $503 $817 $67,000 5,253 Bullitt County $32,680 19% $20,100 $1,675 $15.71 $349 $1,163 $622 $24,880 26% $13,950 $11.96 $6.31 1.6 1.9 $328 Butler County 1,331 $46,500 29% $488 $49,800 $374 $1,245 $622 $24,880 1,521 $14,940 $11.96 $9.39 1.6 1.3 Caldwell County $338 Calloway County 5,177 $58,200 $437 $1,455 $683 $27,320 35% $17,460 $13.13 $6.50 1.8 2.0 $480 11,061 Campbell County $70,700 $530 $1,768 $787 $31,480 31% $21,210 $15.13 $9.23 2.1 1.6 21% Carlisle County $48,900 $367 $1,223 $650 $26,000 435 $14,670 $12.50 $7.83 1.7 1.6 $407 $1,188 Carroll County 1,546 $47,500 $678 $27,120 38% $356 $14,250 $13.04 $15.97 1.8 0.8 $830 22% $341 2,365 Carter County $1,135 $622 $24,880 $45,400 $13,620 $11.96 1.6 1.3 $484 $9.32 $42,600 $320 $1,065 $622 $24,880 20% $12,780 $11.96 $10.29 1.6 1.2 $535 Casey County 1,266 50% Christian County $57,300 $430 $1,433 $797 $31,880 12,961 $17,190 $15.33 $13.48 2.1 1.1 $701 $15.31 $9.89 2.1 1.5 $514 36% Clark County 5,167 $66,100 $496 $1,653 $796 $31,840 $19,830 $24,880 1.3 1.6 $9.14 $11.96 $9,270 25% $475 $622 $773 $232 $30,900 1,945 Clay County $9,660 $11.96 $10.68 1.6 1.1 $555 $622 $805 $242 $32,200 960 Clinton County $24,880 25% 23% Crittenden County 878 $14,820 $11.96 $9.25 1.6 1.3 $481 $49,400 $622 $24,880 $371 $1,235 28% Cumberland County $38,600 $290 $965 $622 $24,880 746 $11,580 $11.96 $8.91 1.6 1.3 $463 $524 Daviess County 11,774 $59,400 $446 $1,485 $663 $26,520 31% $17,820 $12.75 $10.08 1.8 1.3 $18,060 $725 $60,200 $452 $1,505 $29,000 20% 957 $13.94 $7.34 1.9 1.9 $382 Edmonson County $209 508 $34,700 $260 $868 $622 $24,880 18% $10,410 $11.96 $4.02 1.6 3.0 Elliott County $11.96 $8.66 1.6 1.4 $450 $933 1,615 Estill County $37,300 $622 $24,880 28% $11,190 $280 $66,100 $496 $1,653 $796 $31,840 45% $19,830 $15.31 $11.52 2.1 1.3 $599 Fayette County 56,001 $11.96 $24,880 1,445 $46,700 $350 $1,168 $451 1.4 1.6 $8.68 $622 $14,010 26% Fleming County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 93 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

100 Kentucky RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $970 Floyd County $622 $24,880 30% 4,560 $11.96 $38,800 $10.39 1.6 1.2 $540 $291 $11,640 $14.65 $548 1.4 2.0 $10.53 Franklin County $18,030 38% $30,480 $762 $1,503 $451 $60,100 7,921 41% Fulton County $40,300 $302 $1,008 $622 $24,880 1,104 $12,090 $11.96 $8.52 1.6 1.4 $443 $803 898 Gallatin County 2.1 $15.45 $15.13 $21,210 30% $31,480 $787 $1,768 $530 $70,700 1.0 $7.05 $56,600 $653 $26,120 23% $16,980 $12.56 $1,415 1.7 1.8 $367 $425 Garrard County 1,531 $399 Grant County 2,418 $512 1.4 1.9 $9.84 $14.04 $15,960 29% $29,200 $730 $1,330 $53,200 $424 Graves County 1.5 1.6 $8.15 $11.96 $15,600 26% $622 $1,300 $390 $52,000 $24,880 3,711 Grayson County $42,300 $317 $1,058 $622 $24,880 2,683 $12,690 $11.96 $8.07 1.6 1.5 $420 27% $6.59 1.6 1.8 $343 $341 $622 $45,500 1,025 Green County $24,880 23% $13,650 $1,138 $11.96 $411 $1,370 $658 $26,320 23% $16,440 $12.65 $8.88 1.7 1.4 $462 Greenup County 3,318 $54,800 21% $785 $59,400 $446 $1,485 $663 $26,520 721 $17,820 $12.75 $15.10 1.8 0.8 Hancock County $615 Hardin County 14,877 $61,000 $458 $1,525 $648 $25,920 37% $18,300 $12.46 $11.83 1.7 1.1 $614 3,494 Harlan County $34,700 $260 $868 $622 $24,880 31% $10,410 $11.96 $11.82 1.6 1.0 33% Harrison County $52,500 $394 $1,313 $622 $24,880 2,415 $15,750 $11.96 $10.93 1.6 1.1 $568 $1,088 Hart County 1,873 $43,500 $622 $24,880 26% $326 $13,050 $11.96 $8.01 1.6 1.5 $417 34% $461 6,477 Henderson County $1,535 $752 $30,080 $61,400 $18,420 $14.46 2.0 1.4 $526 $10.12 $67,000 $503 $1,675 $817 $32,680 29% $20,100 $15.71 $9.12 2.2 1.7 $474 Henry County 1,750 19% Hickman County $47,800 $359 $1,195 $622 $24,880 384 $14,340 $11.96 $7.19 1.6 1.7 $374 $12.37 $12.80 1.7 1.0 $666 28% Hopkins County 5,182 $53,000 $398 $1,325 $643 $25,720 $15,900 $30,880 1.4 2.0 $10.33 $14.85 $9,150 26% $537 $772 $763 $229 $30,500 1,469 Jackson County $20,100 $15.71 $13.56 2.2 1.2 $705 $817 $1,675 $503 $67,000 115,928 Jefferson County $32,680 38% 36% Jessamine County 6,491 $19,830 $15.31 $9.82 2.1 1.6 $511 $66,100 $796 $31,840 $496 $1,653 24% Johnson County $43,100 $323 $1,078 $622 $24,880 2,220 $12,930 $11.96 $7.75 1.6 1.5 $403 $667 Kenton County 20,426 $70,700 $530 $1,768 $787 $31,480 33% $21,210 $15.13 $12.82 2.1 1.2 $13,440 $622 $44,800 $336 $1,120 $24,880 20% 1,184 $11.96 $11.05 1.6 1.1 $574 Knott County $500 4,557 $33,700 $253 $843 $622 $24,880 36% $10,110 $11.96 $9.61 1.6 1.2 Knox County $12.46 $6.38 1.7 2.0 $332 $1,525 1,388 Larue County $61,000 $648 $25,920 26% $18,300 $458 $44,200 $332 $1,105 $622 $24,880 31% $13,260 $11.96 $9.62 1.6 1.2 $500 Laurel County 7,136 $11.96 $24,880 1,336 $43,300 $325 $1,083 $327 1.9 1.6 $6.28 $622 $12,990 22% Lawrence County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 94 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

101 Kentucky RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $770 Lee County $622 $24,880 26% 773 $11.96 $30,800 $5.90 1.6 2.0 $307 $231 $9,240 $13.90 $427 1.7 1.9 $8.21 Leslie County $11,640 25% $28,920 $723 $970 $291 $38,800 1,043 25% Letcher County $45,300 $340 $1,133 $622 $24,880 2,343 $13,590 $11.96 $8.64 1.6 1.4 $449 $342 1,102 Lewis County 1.6 $6.57 $11.96 $12,360 21% $24,880 $622 $1,030 $309 $41,200 1.8 $7.54 $44,300 $622 $24,880 26% $13,290 $11.96 $1,108 1.6 1.6 $392 $332 Lincoln County 2,508 $362 Livingston County 671 $551 1.1 1.7 $10.60 $12.08 $14,490 18% $25,120 $628 $1,208 $48,300 $525 Logan County 1.2 1.7 $10.10 $12.21 $14,580 29% $635 $1,215 $365 $48,600 $25,400 3,171 Lyon County $56,600 $425 $1,415 $622 $24,880 592 $16,980 $11.96 $6.27 1.6 1.9 $326 18% $10.56 1.8 1.3 $549 $403 $690 $53,700 8,971 McCracken County $27,600 33% $16,110 $1,343 $13.27 $235 $783 $622 $24,880 31% $9,390 $11.96 $8.78 1.6 1.4 $456 McCreary County 1,937 $31,300 21% $508 $59,400 $446 $1,485 $663 $26,520 769 $17,820 $12.75 $9.77 1.8 1.3 McLean County $504 Madison County 12,981 $57,300 $430 $1,433 $688 $27,520 41% $17,190 $13.23 $9.68 1.8 1.4 $340 1,239 Magoffin County $35,500 $266 $888 $622 $24,880 25% $10,650 $11.96 $6.54 1.6 1.8 26% Marion County $48,600 $365 $1,215 $646 $25,840 1,912 $14,580 $12.42 $8.71 1.7 1.4 $453 $1,398 Marshall County 2,578 $55,900 $754 $30,160 21% $419 $16,770 $14.50 $12.22 2.0 1.2 $636 29% $246 1,263 Martin County $820 $622 $24,880 $32,800 $9,840 $11.96 1.6 1.3 $469 $9.02 $49,800 $374 $1,245 $659 $26,360 31% $14,940 $12.67 $12.62 1.7 1.0 $656 Mason County 2,069 28% Meade County $51,900 $389 $1,298 $680 $27,200 2,982 $15,570 $13.08 $10.98 1.8 1.2 $571 $11.96 $6.79 1.6 1.8 $353 24% Menifee County 567 $34,800 $261 $870 $622 $24,880 $10,440 $25,040 1.0 1.7 $11.53 $12.04 $18,030 27% $600 $626 $1,503 $451 $60,100 2,376 Mercer County $12,600 $12.15 $10.08 1.7 1.2 $524 $632 $1,050 $315 $42,000 944 Metcalfe County $25,280 24% 27% Monroe County 1,218 $12,300 $11.96 $8.62 1.6 1.4 $448 $41,000 $622 $24,880 $308 $1,025 35% Montgomery County $46,600 $350 $1,165 $679 $27,160 3,597 $13,980 $13.06 $11.08 1.8 1.2 $576 $454 Morgan County 1,290 $42,200 $317 $1,055 $622 $24,880 27% $12,660 $11.96 $8.74 1.6 1.4 $13,830 $622 $46,100 $346 $1,153 $24,880 21% 2,492 $11.96 $9.23 1.6 1.3 $480 Muhlenberg County $473 4,217 $56,200 $422 $1,405 $692 $27,680 25% $16,860 $13.31 $9.10 1.8 1.5 Nelson County $11.96 $7.58 1.6 1.6 $394 $1,235 758 Nicholas County $49,400 $622 $24,880 26% $14,820 $371 $45,400 $341 $1,135 $622 $24,880 20% $13,620 $11.96 $7.92 1.6 1.5 $412 Ohio County 1,753 $15.71 $32,680 2,801 $67,000 $503 $1,675 $371 2.2 2.2 $7.14 $817 $20,100 14% Oldham County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 95 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

102 Kentucky HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Estimated Full-time jobs at Monthly rent essary to mea nec n renter needed affordable affordable % of total Renter imum wage min hourly mean 1 affordable afford 2 BR wage needed to 30% to afford 2 BR Annual at mean at 30% households hou seholds needed to afford renter wage 4 5 2 3 at AMI afford 2 BR FMR of AMI 2 BR FMR FMR AMI of AMI renter wage (2010-2014) (2010-2014) 2 BR FMR (2016) $25,000 Owen County $61,900 24% $18,570 $12.02 $464 $1,548 $8.45 1,024 1.7 $625 1.4 $440 $308 $9,240 $24,880 24% $622 $770 $231 $30,800 417 Owsley County $11.96 $5.91 1.6 2.0 $31,480 $646 1,294 $70,700 $530 $1,768 $787 Pendleton County 24% $21,210 $15.13 $12.42 2.1 1.2 $1,048 $41,900 28% $12,570 $11.96 $10.48 1.6 $622 1.1 $545 3,103 Perry County $314 $24,880 29% Pike County $45,900 $344 $1,148 $723 $28,920 7,515 $13,770 $13.90 $13.86 1.9 1.0 $721 $279 Powell County 1,386 $40,000 $300 $1,000 $622 $24,880 30% $12,000 $11.96 $5.36 1.6 2.2 $13,650 $648 $45,500 $341 $1,138 $25,920 30% 7,737 $12.46 $7.57 1.7 1.6 $393 Pulaski County $388 214 $51,000 $383 $1,275 $702 $28,080 23% $15,300 $13.50 $7.45 1.9 1.8 Robertson County $24,880 22% $12,120 $11.96 $7.37 1,490 1.6 1.6 $383 Rockcastle County $303 $1,010 $622 $40,400 $337 Rowan County 2,913 $48,300 $362 $1,208 $728 $29,120 35% $14,490 $14.00 $6.48 1.9 2.2 26% $438 $38,200 $287 $955 $622 $24,880 1,883 $11,460 $11.96 $8.42 1.6 1.4 Russell County 5,149 Scott County $66,100 $496 $1,653 $796 $31,840 28% $19,830 $15.31 $13.44 2.1 1.1 $699 $576 1.4 2.2 $11.08 $15.69 $21,570 30% $32,640 $816 $1,798 $539 $71,900 4,715 Shelby County 35% $547 $48,600 $365 $1,215 $719 $28,760 2,308 $14,580 $13.83 $10.52 1.9 1.3 Simpson County Spencer County 2.2 2.2 $7.08 $15.71 $20,100 16% $32,680 $817 $1,675 $503 $67,000 1,001 $368 1.5 $425 Taylor County 2,942 $47,500 $356 $1,188 $647 $25,880 31% $14,250 $12.44 $8.18 1.7 27% Todd County $52,600 $395 $1,315 $622 $24,880 1,251 $15,780 $11.96 $7.40 1.6 1.6 $385 $15.33 $6.65 2.1 2.3 $346 20% Trigg County $17,190 $797 $1,433 $430 $57,300 1,193 $31,880 $735 2.2 $14.14 $15.71 $20,100 23% 1.1 $817 $1,675 $503 $67,000 826 Trimble County $32,680 29% $13,890 $11.96 $11.43 1.6 1.0 Union County 1,620 $46,300 $347 $1,158 $622 $24,880 $594 42% $565 $452 $1,505 $725 Warren County $29,000 $60,200 $18,060 $13.94 $10.87 1.9 1.3 18,691 864 $49,900 $374 $1,248 $641 $25,640 19% Washington County $14,970 $12.33 $8.71 1.7 1.4 $453 $11,100 Wayne County $37,000 $278 $925 $622 29% 2,311 $11.96 $7.81 1.6 1.5 $406 $24,880 $933 0.7 1.6 $17.94 $11.96 $16,770 28% $24,880 $622 $1,398 $419 $55,900 1,412 Webster County 32% Whitley County 1.1 1.8 $11.45 $12.77 $11,520 $595 $664 $960 $288 $38,400 4,110 $26,560 2.3 $275 Wolfe County 865 $31,200 $234 $780 $622 $24,880 31% $9,360 $11.96 $5.29 1.6 $15.31 $31,840 2,949 $66,100 $496 $1,653 $516 1.5 2.1 $9.93 $796 $19,830 30% Woodford County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 96 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

103 LOUISIANA S TAT E RANKING . In order to $822 In Louisiana, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 30 $32,891 monthly or $2,741 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.81 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS New Orleans-Metairie-Kenner HMFA Minimum Wage $7.25 $18.52 $13.46 Lafayette Parish Average Renter Wage $16.87 2-Bedroom Housing Wage St. Martin Parish $16.87 $15.81 579,120 Number of Renter Households $16.58 Vernon Parish Percent Renters 34% $16.48 Lafourche Parish (tied with 1 other) $822 Two bedroom FMR 87 $1,456 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $700 renter wage ––––––––––––– $437 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 97 OUT OF REACH 2016

104 Louisiana HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at rent rent necessary to needed Renter % of total Monthly rent mean renter minimum wage hourly mean affordable affordable 1 afford 2 BR Annual to afford 2 BR wage needed to affordable households households 30% renter wage needed to afford at 30% at mean 5 4 3 2 AMI 2 BR FMR FMR at AMI FMR (2010-2014) afford 2 BR (2010-2014) of AMI (2016) 2 BR FMR renter wage of AMI Louisiana $32,891 2.2 $700 1.2 $13.46 $15.81 34% $437 $822 $1,456 $58,254 579,120 $17,476 Combined Nonmetro Areas $355 $14,201 $47,338 $1,183 $533 1.2 1.7 $10.24 $12.04 32% $25,044 $626 89,993 Metropolitan Areas $483 1.2 1.5 $9.29 $11.19 $14,220 31% 6,951 Acadia Parish HMFA $47,400 $356 $1,185 $582 $23,280 $15,720 Alexandria MSA $393 $1,310 $726 $29,040 34% $52,400 $13.96 $10.80 1.9 1.3 $562 18,433 $19,470 Baton Rouge HMFA $64,900 $487 $1,623 $842 $33,680 32% $16.19 $13.40 2.2 1.2 $697 92,388 $16,350 Hammond MSA $409 $1,363 $783 $31,320 32% $54,500 $15.06 $9.75 2.1 1.5 $507 14,438 0.9 $925 $19,680 19,283 26% $16.48 $17.78 2.3 Houma-Thibodaux MSA $65,600 $492 $1,640 $857 $34,280 $782 0.9 1.9 $15.03 $13.62 $14,730 30% $28,320 $708 $1,228 $368 $49,100 Iberia Parish HMFA 7,962 $17.23 Iberville Parish HMFA $635 $25,400 24% $16,680 $12.21 $1,390 1.7 0.7 $896 2,739 $417 $55,600 $72,600 $545 $1,815 $877 $35,080 33% $21,780 $16.87 $14.51 2.3 1.2 $755 34,969 Lafayette HMFA $16,380 $54,600 $410 $1,365 $762 $30,480 30% 22,956 $14.65 $13.24 2.0 1.1 $688 Lake Charles MSA $14.17 Monroe, LA MSA $1,300 $737 $29,480 37% $15,600 $390 $9.90 2.0 1.4 $515 24,904 $52,000 176,541 $60,000 $450 $1,500 $963 $38,520 38% $18,000 $18.52 $15.05 2.6 1.2 $783 New Orleans-Metairie HMFA $601 Shreveport-Bossier City HMFA $59,500 $446 $1,488 $819 $32,760 36% $17,850 $15.75 $11.55 2.2 1.4 56,115 0.6 1.5 $18.72 $11.13 $19,590 St. James Parish HMFA 1,575 20% $974 $65,300 $490 $1,633 $579 $23,160 $12.19 Vermilion Parish HMFA $1,388 $634 $25,360 25% $16,650 $416 $12.33 1.7 1.0 $641 5,301 $55,500 Webster Parish HMFA $45,600 $342 $1,140 $585 $23,400 29% $13,680 $11.25 $11.67 1.6 1.0 $607 4,572 Counties $23,280 $11.19 $9.29 1.5 1.2 $483 31% Acadia Parish 6,951 $47,400 $356 $1,185 $582 $14,220 $460 Allen Parish 2,211 $49,600 $372 $1,240 $579 $23,160 27% $14,880 $11.13 $8.85 1.5 1.3 20% $653 $64,900 $487 $1,623 $842 $33,680 7,834 $19,470 $16.19 $12.55 2.2 1.3 Ascension Parish 1,672 $23,840 Assumption Parish 1.0 $596 $1,428 $428 $57,100 1.6 $11.88 $11.46 $17,130 19% $618 $579 $1,035 $311 $41,400 4,534 Avoyelles Parish $481 1.2 1.5 $9.25 $11.13 $12,420 30% $23,160 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 98

105 Louisiana HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Full-time jobs at Estimated essary to nec mea n renter ded nee Monthly rent % of total Renter affordable affordable min imum wage rly mean hou 1 wage needed to afford 2 BR 30% to afford 2 BR Annual hou hou seholds seholds affordable at mean at 30% renter wage needed to afford 3 5 2 4 afford 2 BR FMR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) 1.5 23% $18,270 $11.13 $10.61 $23,160 $579 3,028 $1,523 $552 $457 $60,900 1.0 Beauregard Parish $445 $23,160 1.3 $1,085 $326 $43,400 $579 1,654 Bienville Parish 1.5 $8.56 $11.13 $13,020 28% $32,760 $559 15,793 $59,500 $446 $1,488 $819 Bossier Parish 34% $17,850 $15.75 $10.75 2.2 1.5 $32,760 $15.75 $11.92 2.2 1.3 $620 $446 $59,500 38% 37,742 Caddo Parish $1,488 $819 $17,850 30% Calcasieu Parish $54,600 $410 $1,365 $762 $30,480 22,698 $16,380 $14.65 $12.91 2.0 1.1 $671 $377 Caldwell Parish 1,060 $48,600 $365 $1,215 $579 $23,160 28% $14,580 $11.13 $7.25 1.5 1.5 $16,380 $762 $54,600 $410 $1,365 $30,480 10% 258 $14.65 $17.86 2.0 0.8 $929 Cameron Parish $421 927 $45,800 $344 $1,145 $579 $23,160 24% $13,740 $11.13 $8.10 1.5 1.4 Catahoula Parish $9.69 1.5 1.1 $504 $40,600 $305 1,615 Claiborne Parish $1,015 $23,160 28% $12,180 $11.13 $579 $293 $978 $579 $23,160 39% $11,730 $11.13 $10.56 1.5 1.1 $549 Concordia Parish 3,035 $39,100 25% $537 $59,500 $446 $1,488 $819 $32,760 2,580 $17,850 $15.75 $10.32 2.2 1.5 De Soto Parish 2.2 East Baton Rouge Parish 67,420 $64,900 $487 $1,623 $842 $33,680 40% $19,470 $16.19 $13.82 1.2 $719 $481 East Carroll Parish 1,242 $31,700 $238 $793 $579 $23,160 48% $9,510 $11.13 $9.24 1.5 1.2 21% East Feliciana Parish $64,900 $487 $1,623 $842 $33,680 1,442 $19,470 $16.19 $8.82 2.2 1.8 $459 $1,053 Evangeline Parish 4,099 $42,100 $579 $23,160 34% $316 $12,630 $11.13 $8.52 1.5 1.3 $443 29% $309 2,270 Franklin Parish $1,030 $579 $23,160 $41,200 $12,360 $11.13 1.5 1.5 $375 $7.21 $52,400 $393 $1,310 $726 $29,040 24% $15,720 $13.96 $12.43 1.9 1.1 $646 Grant Parish 1,712 30% Iberia Parish $49,100 $368 $1,228 $708 $28,320 7,962 $14,730 $13.62 $15.03 1.9 0.9 $782 0.7 $896 $16,680 $17.23 1.7 Iberville Parish 2,739 $55,600 $417 $1,390 $635 $25,400 24% $12.21 $23,160 1.1 1.5 $10.23 $11.13 $14,010 33% $532 $579 $1,168 $350 $46,700 2,030 Jackson Parish $18.52 $14.55 2.6 1.3 $757 $38,520 $963 $1,500 $450 $60,000 62,889 Jefferson Parish 37% $18,000 Jefferson Davis Parish 2,953 26% $15,930 $11.13 $9.51 1.5 1.2 $494 $53,100 $579 $23,160 $398 $1,328 36% Lafayette Parish $72,600 $545 $1,815 $877 $35,080 31,125 $21,780 $16.87 $14.53 2.3 1.2 $755 $856 Lafourche Parish 8,313 $65,600 $492 $1,640 $857 $34,280 24% $19,680 $16.48 $16.46 2.3 1.0 $17,130 $579 $57,100 $428 $1,428 $23,160 18% 1,023 $11.13 $8.34 1.5 1.3 $434 La Salle Parish $495 7,896 $52,600 $395 $1,315 $683 $27,320 46% $15,780 $13.13 $9.51 1.8 1.4 Lincoln Parish $16.19 $9.79 2.2 1.7 $509 $1,623 9,189 Livingston Parish $64,900 $842 $33,680 20% $19,470 $487 $33,900 $254 $848 $579 $23,160 45% $10,170 $11.13 $7.67 1.5 1.5 $399 Madison Parish 1,813 $488 35% 3,665 $40,600 $305 $1,015 $579 Morehouse Parish 1.2 1.5 $9.39 $11.13 $12,180 $23,160 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 99 OUT OF REACH 2016 •

106 Louisiana HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated t ren Full-time jobs at rent essary to nec n renter mea ded nee Monthly rent % of total Renter hou min rly mean affordable imum wage affordable 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable renter wage at mean needed to afford at 30% 3 5 2 4 FMR afford 2 BR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) renter wage of AMI 1.7 39% $14,760 $12.52 $7.71 $26,040 $651 5,625 $1,230 $401 $369 $49,200 1.6 Natchitoches Parish $808 $38,520 1.2 $1,500 $450 $60,000 $963 79,931 Orleans Parish 2.6 $15.53 $18.52 $18,000 53% $29,480 $530 23,101 $52,000 $390 $1,300 $737 Ouachita Parish 40% $15,600 $14.17 $10.20 2.0 1.4 $38,520 $18.52 $26.82 2.6 0.7 $1,395 $450 $60,000 29% 2,580 Plaquemines Parish $1,500 $963 $18,000 23% Pointe Coupee Parish $64,900 $487 $1,623 $842 $33,680 2,001 $19,470 $16.19 $9.28 2.2 1.7 $483 $558 Rapides Parish 16,721 $52,400 $393 $1,310 $726 $29,040 35% $15,720 $13.96 $10.73 1.9 1.3 $14,160 $585 $47,200 $354 $1,180 $23,400 25% 848 $11.25 $10.04 1.6 1.1 $522 Red River Parish $470 2,616 $46,300 $347 $1,158 $579 $23,160 34% $13,890 $11.13 $9.04 1.5 1.2 Richland Parish $9.23 1.5 1.2 $480 $48,100 $361 2,069 Sabine Parish $1,203 $23,160 23% $14,430 $11.13 $579 $450 $1,500 $963 $38,520 30% $18,000 $18.52 $14.04 2.6 1.3 $730 St. Bernard Parish 4,232 $60,000 19% $941 $60,000 $450 $1,500 $963 $38,520 3,565 $18,000 $18.52 $18.09 2.6 1.0 St. Charles Parish 2.2 St. Helena Parish 721 $64,900 $487 $1,623 $842 $33,680 17% $19,470 $16.19 $10.10 1.6 $525 $974 St. James Parish 1,575 $65,300 $490 $1,633 $579 $23,160 20% $19,590 $11.13 $18.72 1.5 0.6 23% St. John the Baptist Parish $60,000 $450 $1,500 $963 $38,520 3,590 $18,000 $18.52 $15.31 2.6 1.2 $796 $1,125 St. Landry Parish 9,110 $45,000 $600 $24,000 30% $338 $13,500 $11.54 $8.03 1.6 1.4 $417 20% $545 3,844 St. Martin Parish $1,815 $877 $35,080 $72,600 $21,780 $16.87 2.3 1.2 $747 $14.36 $50,000 $375 $1,250 $638 $25,520 31% $15,000 $12.27 $15.96 1.7 0.8 $830 St. Mary Parish 6,286 22% St. Tammany Parish $60,000 $450 $1,500 $963 $38,520 19,754 $18,000 $18.52 $12.22 2.6 1.5 $635 1.5 $507 $16,350 $9.75 2.1 Tangipahoa Parish 14,438 $54,500 $409 $1,363 $783 $31,320 $15.06 32% $579 Tensas Parish † $11.13 $10,890 37% $23,160 1.5 $908 $272 $36,300 723 Terrebonne Parish 0.9 2.3 $969 $18.64 $19,680 28% $34,280 $857 $1,640 $492 $65,600 10,970 $16.48 $390 $1,300 $14.17 $5.55 2.0 2.6 $288 $737 $15,600 Union Parish 1,803 $52,000 $29,480 21% 25% Vermilion Parish $55,500 $416 $1,388 $634 $25,360 5,301 $16,650 $12.19 $12.33 1.7 1.0 $641 $733 Vernon Parish 8,199 $53,100 $398 $1,328 $862 $34,480 45% $15,930 $16.58 $14.10 2.3 1.2 $12,930 $599 $43,100 $323 $1,078 $23,960 27% 4,817 $11.52 $9.36 1.6 1.2 $487 Washington Parish $607 4,572 $45,600 $342 $1,140 $585 $23,400 29% $13,680 $11.25 $11.67 1.6 1.0 Webster Parish $16.19 $16.28 2.2 1.0 $847 $64,900 2,745 West Baton Rouge Parish $487 $842 $33,680 30% $19,470 $1,623 $45,200 $339 $1,130 $579 $23,160 31% $13,560 $11.13 $8.37 1.5 1.3 $435 West Carroll Parish 1,320 $767 26% 1,036 $64,900 $487 $1,623 $842 West Feliciana Parish 1.1 2.2 $14.74 $16.19 $19,470 $33,680 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 100 OUT OF REACH 2016 •

107 Louisiana HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Full-time jobs at Hourly wage Annual income rent t ren Estimated Full-time jobs at Monthly rent nec mea essary to n renter needed affordable affordable % of total Renter rly mean imum wage min hou 1 affordable wage needed to afford 2 BR 30% to afford Annual 2 BR at mean at 30% households hou seholds renter wage needed to afford 4 5 3 2 at AMI afford 2 BR FMR of AMI 2 BR FMR AMI FMR of AMI renter wage (2010-2014) (2010-2014) (2016) 2 BR FMR 1,653 $46,400 $348 $1,160 $579 Winn Parish $23,160 31% $508 1.1 1.5 $13,920 $9.77 $11.13 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 101 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

108 MAINE S TAT E . In order to afford $886 In Maine, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — a * annually. Assuming a 40-hour work week, 52 $35,453 monthly or $2,954 household must earn 25 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $17.04 HOUSING WAGE* MOST EXPENSIVE AREAS STATE FACTS Minimum Wage $7.50 York-Kittery-South Berwick HMFA $23.00 $10.36 Average Renter Wage $21.33 Portland HMFA $17.04 York County HMFA $18.62 2-Bedroom Housing Wage 157,971 Cumberland County HMFA $18.50 Number of Renter Households Percent Renters 29% Sagadahoc County HMFA $17.23 $886 Two bedroom FMR 91 $1,579 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $539 renter wage ––––––––––––– $474 Rent affordable at 30% of AMI Rent affordable with full-time job paying $390 min wage 2.3 $223 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 102 OUT OF REACH 2016

109 Maine RENTER HOUSEHOLDS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) HOUSING COSTS Monthly Monthly Annual income Full-time jobs at d Estimate Full-time jobs at Ho urly wage rent rent needed % of total Renter mean renter hourly mean minimum wage necessary to Monthly rent affordable affordable 1 to afford Annual 2 BR households households wage needed to needed to afford renter wage 30% afford 2 BR affordable at mean at 30% 2 3 5 4 2 BR FMR FMR AMI (2010-2014) (2010-2014) FMR afford 2 BR 2 BR FMR of AMI (2016) at AMI renter wage of AMI Maine 157,971 $474 $539 1.6 $10.36 $18,944 $17.04 29% $35,453 $63,145 2.3 $886 $1,579 Combined Nonmetro Areas $486 58,282 $16,588 $29,518 $55,292 $1,382 $415 1.5 1.9 $9.34 $14.19 $738 25% Metropolitan Areas $18,240 $60,800 $1,520 Bangor HMFA $892 $35,680 40% $456 $17.15 $9.61 2.3 1.8 15,252 $499 $623 1.5 2.5 $11.98 $18.50 $21,540 $38,480 $962 $1,795 $539 $71,800 Cumberland County HMFA 23% 4,542 $17,040 Lewiston-Auburn MSA $426 $1,420 $777 $31,080 36% $56,800 $9.57 2.0 1.6 $498 15,930 $14.94 $51,200 Penobscot County (part) HMFA $14.62 $15,360 21% $30,400 $760 $1,280 $384 $9.61 1.9 1.5 $499 5,045 33% 35,822 1.8 2.8 $11.89 $21.33 $23,040 $618 $44,360 $1,109 $1,920 $576 $76,800 Portland HMFA Sagadahoc County HMFA $71,400 $536 $1,785 $896 $35,840 24% $21,420 $17.23 2.3 1.7 $537 3,582 $10.32 $69,500 $18.62 $1,738 $968 $38,720 29% $20,850 York County HMFA $10.32 2.5 1.8 $536 15,164 $521 $84,200 $23.00 $2,105 $1,196 $47,840 24% $25,260 York-Kittery-South Berwick HMFA $10.32 3.1 2.2 $536 4,352 $632 Counties $658 $8.23 $12.65 $15,360 29% $26,320 1.7 $1,280 $384 $51,200 8,848 Aroostook County $428 1.5 $12.90 $8.95 $387 1.7 1.4 Franklin County 2,605 $51,600 $465 $1,290 $671 $26,840 22% $15,480 $18,480 Hancock County $462 $1,540 $847 $33,880 27% $61,600 $16.29 $9.71 2.2 1.7 $505 6,595 Kennebec County 15,248 $59,200 $444 $1,480 $755 $30,200 30% $17,760 $14.52 $9.66 1.9 1.5 $503 22% Knox County $62,200 $467 $1,555 $883 $35,320 3,745 $18,660 $16.98 $10.40 2.3 1.6 $541 1.6 $534 2.1 $10.27 $16.04 $18,300 19% Lincoln County $834 $1,525 $458 $61,000 2,790 $33,360 Oxford County $51,200 $384 $1,280 $658 $26,320 4,892 $15,360 $12.65 $7.90 1.7 1.6 $411 22% Piscataquis County 1,770 $47,100 $353 $1,178 $658 $26,320 23% $14,130 $12.65 $8.12 1.7 1.6 $422 22% Somerset County $51,400 $386 $1,285 $708 $28,320 4,692 $15,420 $13.62 $10.20 1.8 1.3 $530 $54,000 3,690 Waldo County $486 1.9 $9.35 $14.38 22% $29,920 $748 1.5 $1,350 $405 $16,200 $8.66 1.7 1.5 $451 Washington County 3,407 $46,300 $347 $1,158 $658 $26,320 24% $13,890 $12.65 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 103 OUT OF REACH 2016 •

110 TOWNS WITHIN MAINE FMR AREAS Bangor, ME HMFA PENOBSCOT COUNTY Bangor city, Brewer city, Eddington town, Glenburn town, Hampden town, Hermon town, Holden town, Kenduskeag town, Milford town, Old Town city, Orono town, Orrington town, Penobscot Indian Island Reservation, Veazie town Cumberland County, ME (part) HMFA CUMBERLAND COUNTY Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town, Sebago town Lewiston-Auburn, ME MSA ANDROSCOGGIN COUNTY Auburn city, Durham town, Greene town, Leeds town, Lewiston city, Lisbon town, Livermore Falls town, Livermore town, Mechanic Falls town, Minot town, Poland town, Sabattus town, Turner town, Wales town Penobscot County, ME (part) HMFA PENOBSCOT COUNTY Alton town, Argyle UT, Bradford town, Bradley town, Burlington town, Carmel town, Carroll plantation, Charleston town, Chester town, Clifton town, Corinna town, Corinth town, Dexter town, Dixmont town, Drew plantation, East Central Penobscot UT, East Millinocket town, Edinburg town, Enfield town, Etna town, Exeter town, Garland town, Greenbush town, Howland town, Hudson town, Kingman UT, Lagrange town, Lakeville town, Lee town, Levant town, Lincoln town, Lowell town, Mattawamkeag town, Maxfield town, Medway town, Millinocket town, Mount Chase town, Newburgh town, Newport town, North Penobscot UT, Passadumkeag town, Patten town, Plymouth town, Prentiss UT, Seboeis plantation, Springfield town, Stacyville town, Stetson town, Twombly UT, Webster plantation, Whitney UT, Winn town, Woodville town Portland, ME HMFA CUMBERLAND COUNTY Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town, Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland city, Standish town, Westbrook city, Windham town, Yarmouth town YORK COUNTY Buxton town, Hollis town, Limington town, Old Orchard Beach town 104 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

111 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 This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. 105 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

112 S TAT E MARYLAND RANKING . In order to $1,380 In Maryland, the Fair Market Rent (FMR) for a two-bedroom apartment is * 5 afford this level of rent and utilities — without paying more than 30% of income on housing — monthly or $4,599 a household must earn annually. Assuming a 40-hour work week, $55,183 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $26.53 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $8.25 $31.21 Calvert County Average Renter Wage Charles County $31.21 $15.91 $26.53 Frederick County $31.21 2-Bedroom Housing Wage 710,103 Montgomery County $31.21 Number of Renter Households Percent Renters 33% Prince George’s County $31.21 $1,380 Two bedroom FMR 129 $2,330 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $827 renter wage ––––––––––––– $699 Rent affordable at 30% of AMI Rent affordable with full-time job paying $429 min wage 3.2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 106 NATIONAL LOW INCOME HOUSING COALITION

113 Maryland AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE HOUSING COSTS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent mean renter essary to nec nee ded Monthly rent % of total Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford 2 BR Annual households households affordable renter wage needed to afford at 30% at mean 2 5 3 4 FMR afford 2 BR of AMI 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR of AMI renter wage Maryland $827 1.7 $15.91 $27,958 710,103 $26.53 3.2 $93,193 $2,330 $699 $1,380 $55,183 33% Combined Nonmetro Areas $877 $67,259 $1,681 $508 1.7 2.0 $20,178 $9.78 $16.86 29% $35,062 17,812 $504 Metropolitan Areas $51,920 $859 3.0 $16.51 $24.96 $26,010 34% 1.5 $1,298 $2,168 $650 $86,700 Baltimore-Columbia-Towson MSA * 346,458 1.4 2.7 $16.43 $22.21 $29,100 $2,425 $46,200 $1,155 $728 $97,000 California-Lexington Park MSA 10,412 $854 27% $8.45 $16,530 31% $26,320 $658 $1,378 $413 $55,100 Cumberland MSA 1.5 1.5 $440 8,721 $12.65 Hagerstown HMFA $69,900 $524 $1,748 $898 $35,920 36% $20,970 $17.27 $11.14 2.1 1.6 $579 19,840 $24,090 9,760 $602 $2,008 $1,210 $48,400 27% $80,300 $23.27 $11.68 2.8 2.0 $607 Philadelphia-Camden-Wilmington MSA * Salisbury HMFA $606 13,460 1.6 2.2 $11.65 $18.38 $18,600 37% $38,240 $956 $1,550 $465 $62,000 $54,800 Somerset County HMFA $1,370 $719 $28,760 35% $16,440 $13.83 $10.96 1.7 1.3 $570 3,006 $411 $108,600 $31.21 $2,715 $1,623 $64,920 33% $32,580 Washington-Arlington-Alexandria HMFA * $16.67 3.8 1.9 $867 275,880 $815 $16.79 Worcester County HMFA $1,768 $873 $34,920 23% $21,210 $530 $7.61 2.0 2.2 $396 4,754 $70,700 Counties Allegany County 8,721 $55,100 1.5 $413 $1,378 $658 $26,320 31% $16,530 $12.65 1.5 $8.45 $440 Anne Arundel County * 51,888 $650 $2,168 $1,298 $51,920 26% $26,010 $24.96 $16.97 3.0 1.5 $883 $86,700 $26,010 Baltimore County * $650 $2,168 $1,298 $51,920 34% $86,700 $24.96 $15.86 3.0 1.6 $825 105,805 Calvert County * 5,832 $108,600 $815 $2,715 $1,623 $64,920 19% $32,580 $31.21 $11.27 3.8 2.8 $586 29% Caroline County $68,200 $512 $1,705 $835 $33,400 3,459 $20,460 $16.06 $10.12 1.9 1.6 $526 $479 Carroll County * 10,509 $86,700 $650 $2,168 $1,298 $51,920 18% $26,010 $24.96 $9.22 3.0 2.7 $23.27 Cecil County * $2,008 $1,210 $48,400 27% $24,090 $602 $11.68 2.8 2.0 $607 $80,300 9,760 11,529 $108,600 $815 $2,715 $1,623 $64,920 22% $32,580 $31.21 $9.77 3.8 3.2 $508 Charles County * Dorchester County 4,583 $59,400 $446 $1,485 $814 $32,560 34% $17,820 $15.65 $9.93 1.9 1.6 $516 26% Frederick County * $108,600 $815 $2,715 $1,623 $64,920 22,362 $32,580 $31.21 $13.19 3.8 2.4 $686 $401 Garrett County 2,867 $57,800 $434 $1,445 $688 $27,520 24% $13.23 $7.72 1.6 1.7 $17,340 $10.90 3.0 2.3 $567 Harford County * 19,029 $86,700 $650 $2,168 $1,298 $51,920 21% $26,010 $24.96 Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom Appendix A). 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 107

114 Maryland FY16 HOUSING WAGE RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at ren rent t nec essary to mea n renter needed % of total Monthly rent Renter min imum wage rly mean hou affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR affordable hou seholds hou seholds needed to afford renter wage at mean at 30% 3 5 4 2 afford 2 BR FMR of AMI 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR of AMI renter wage $2,168 Howard County * 28,752 $86,700 $650 $904 $1,298 $51,920 27% $26,010 $24.96 $17.38 3.0 1.4 $34,520 2.0 $9.71 $16.60 $22,290 28% $863 $1,858 $557 $74,300 2,065 1.7 $505 Kent County $64,920 3.8 120,982 $108,600 $815 $2,715 $1,623 Montgomery County * 33% $32,580 $31.21 $992 1.6 $19.08 115,175 38% $64,920 $1,623 $2,715 $815 $108,600 $15.34 Prince George's County * $797 2.0 $31.21 $32,580 3.8 $650 $2,168 $86,700 $1,298 $51,920 15% $434 $24.96 2,670 $8.34 3.0 3.0 Queen Anne's County * $26,010 10,412 $97,000 $728 $2,425 $1,155 $46,200 27% $29,100 $22.21 $16.43 2.7 1.4 $854 St. Mary's County $28,760 1.3 1.7 $10.96 $13.83 $16,440 35% $570 $719 $1,370 $411 $54,800 3,006 Somerset County 2.5 $10.79 $20.83 $23,040 30% $43,320 $1,083 $1,920 $576 $76,800 4,838 Talbot County 1.9 $561 Washington County 19,840 $69,900 $524 $1,748 $898 $35,920 36% $20,970 $17.27 $11.14 2.1 1.6 $579 $18,600 $465 $62,000 $1,550 $956 $38,240 37% 13,460 $18.38 $11.65 2.2 1.6 $606 Wicomico County Worcester County 4,754 $70,700 $530 $1,768 $873 $34,920 $21,210 $396 23% 2.0 $7.61 $16.79 2.2 Baltimore city * 127,805 $86,700 $650 $2,168 $1,298 $51,920 53% $26,010 $1,018 $19.57 3.0 1.3 $24.96 1: BR = Bedroom Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) Appendix A). 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 108 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

115 S TAT E MASSACHUSETTS RANKING * . In order $1,347 In Massachusetts, the Fair Market Rent (FMR) for a two-bedroom apartment is 7 to afford this level of rent and utilities — without paying more than 30% of income on housing monthly or $4,491 — a household must earn annually. Assuming a 40-hour work $53,886 week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $25.91 HOUSING WAGE* MOST EXPENSIVE AREAS STATE FACTS Minimum Wage $10.00 $30.13 Boston-Cambridge-Quincy HMFA Average Renter Wage Barnstable Town MSA $28.02 $18.47 $25.91 Easton-Raynham HMFA $25.08 2-Bedroom Housing Wage 957,547 Lowell HMFA $23.33 Number of Renter Households Percent Renters 38% Brockton HMFA $23.06 $1,347 Two bedroom FMR 104 $2,201 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $960 renter wage ––––––––––––– $660 Rent affordable at 30% of AMI Rent affordable with full-time job paying $520 min wage 2.6 $254 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 109 NATIONAL LOW INCOME HOUSING COALITION

116 Massachusetts HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Ho urly wage Full-time jobs at rent rent Annual income Full-time jobs at Estimated necessary to Monthly rent mean renter affordable affordable needed % of total Renter hourly mean minimum wage 1 afford 2 BR affordable wage needed to 30% at 30% at mean to afford Annual 2 BR households households renter wage needed to afford 5 4 3 2 at AMI FMR afford 2 BR of AMI renter wage of AMI 2 BR FMR AMI FMR (2010-2014) (2010-2014) 2 BR FMR (2016) Massachusetts $88,037 $25.91 38% $53,886 2.6 957,547 $2,201 $660 $960 1.4 $18.47 $1,347 $26,411 Combined Nonmetro Areas $1,425 $2,219 2,711 $666 $26,632 $88,774 $16.27 $846 1.7 $57,013 28% $27.41 2.7 Metropolitan Areas $578 2.8 2.7 Barnstable Town MSA $1,928 21% $10.56 $23,130 $58,280 $549 20,126 $1,457 $77,100 $28.02 29% 5,587 1.7 1.8 $10.78 $17.96 $21,480 $561 $37,360 $1,790 $537 $71,600 Berkshire County HMFA $934 $30.13 $22.23 3.0 1.4 $1,156 537,350 Boston-Cambridge-Quincy HMFA $98,100 $736 $2,453 $1,567 $62,680 41% $29,430 29% 25,041 $87,100 $653 $2,178 $1,199 $47,960 Brockton HMFA $26,130 $23.06 $10.72 2.3 2.1 $558 $21.02 7,133 $2,783 2.1 1.7 $641 Eastern Worcester County HMFA $111,300 $835 $1,093 $43,720 22% $33,390 $12.33 20% 2,439 $111,700 $838 $2,793 $1,304 $52,160 Easton-Raynham HMFA $33,510 $25.08 $11.47 2.5 2.2 $597 $39,760 1.6 $641 21,110 $19.12 $20,010 38% $12.33 $994 $1,668 $500 $66,700 Fitchburg-Leominster HMFA 1.9 30% 8,756 1.7 1.8 $10.69 $17.67 $21,540 $556 $36,760 $919 $1,795 $539 Franklin County HMFA $71,800 $25,230 $22.56 $13.27 2.3 1.7 $690 39,776 Lawrence HMFA $84,100 $631 $2,103 $1,173 $46,920 39% 30% $26,610 $22.58 2.3 1.0 $1,174 33,226 $23.33 $48,520 $1,213 $2,218 $665 $88,700 Lowell HMFA $421 $1,403 $864 $34,560 43% 1.7 1.4 $597 27,738 $16,830 New Bedford HMFA $56,100 $16.62 $11.47 33% 11,829 1.5 1.6 $10.78 $16.19 $20,280 $561 Pittsfield HMFA $67,600 $507 $1,690 $842 $33,680 $597 37,321 Providence-Fall River HMFA $72,800 $546 $21,840 $1,820 1.9 $972 $38,880 40% $18.69 1.6 $11.47 89,363 1.9 1.9 $10.37 $19.25 $20,467 $539 $40,040 $1,001 $1,706 $512 $68,222 Springfield HMFA 38% $20.65 $11.47 2.1 1.8 $597 11,635 Taunton-Mansfield-Norton HMFA $89,000 $668 $2,225 $1,074 $42,960 28% $26,700 25% 2,824 1.2 1.5 $12.33 $15.29 $21,900 $641 $31,800 $795 $1,825 $548 Western Worcester County HMFA $73,000 $23,910 $20.42 $12.33 2.0 1.7 $641 73,582 Worcester HMFA $79,700 $598 $1,993 $1,062 $42,480 37% Counties $53,840 $84,600 $635 $2,115 Dukes County $1,346 1,287 $796 1.7 2.6 $15.30 $25.88 $25,380 22% $1,497 $2,373 Nantucket County $94,900 1,424 $902 1.7 2.9 $17.35 $28.79 $28,470 36% $59,880 $712 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 110 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

117 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 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 PLYMOUTH COUNTY Carver town, Duxbury town, Hanover town, Hingham town, Hull town, Kingston town, Marshfield town, Norwell town, Pembroke town, Plymouth town, Rockland town, Scituate town, Wareham town SUFFOLK COUNTY Boston city, Chelsea city, Revere city, Winthrop town 111 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

118 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 Franklin County, MA (part) HMFA FRANKLIN COUNTY Ashfield town, Bernardston town, Buckland town, Charlemont town, Colrain town, Conway town, Deerfield town, Erving town, Gill town, Greenfield town, Hawley town, Heath town, Leverett town, Leyden town, Monroe town, Montague town, New Salem town, Northfield town, Orange town, Rowe town, Shelburne town, Shutesbury town, Warwick town, Wendell town, Whately town Lawrence, MA-NH HMFA ESSEX COUNTY Andover town, Boxford town, Georgetown town, Groveland town, Haverhill city, Lawrence city, Merrimac town, Methuen city, North Andover town, West Newbury town Lowell, MA HMFA MIDDLESEX COUNTY Billerica town, Chelmsford town, Dracut town, Dunstable town, Groton town, Lowell city, Pepperell town, Tewksbury town, Tyngsborough town, Westford town 112 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

119 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 HAMPSHIRE COUNTY Amherst town, Belchertown town, Chesterfield town, Cummington town, Easthampton city, Goshen town, Granby town, Hadley town, Hatfield town, Huntington town, Middlefield town, Northampton city, Pelham town, Plainfield town, South Hadley town, Southampton town, Ware town, Westhampton town, Williamsburg town, Worthington town Taunton-Mansfield-Norton, MA HMFA BRISTOL COUNTY Berkley town, Dighton town, Mansfield town, Norton town, Taunton city Western Worcester County, MA HMFA WORCESTER COUNTY Athol town, Hardwick town, Hubbardston town, New Braintree town, Petersham town, Phillipston town, Royalston town, Warren town 113 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

120 Worcester, MA HMFA WORCESTER COUNTY Auburn town, Barre town, Boylston town, Brookfield town, Charlton town, Clinton town, Douglas town, Dudley town, East Brookfield town, Grafton town, Holden town, Leicester town, Millbury town, North Brookfield town, Northborough town, Northbridge town, Oakham town, Oxford town, Paxton town, Princeton town, Rutland town, Shrewsbury town, Southbridge town, Spencer town, Sterling town, Sturbridge town, Sutton town, Uxbridge town, Webster town, West Boylston town, West Brookfield town, Westborough town, Worcester city This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. 114 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

121 MICHIGAN S TAT E RANKING . In order to $812 In Michigan, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 32 annually. Assuming a 40-hour work week, $32,494 monthly or $2,708 a household must earn 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.62 HOUSING WAGE* STATE FACTS MOST EXPENSIVE COUNTIES $19.60 Minimum Wage $8.50 Washtenaw County Grand Traverse County $12.72 Average Renter Wage $16.88 2-Bedroom Housing Wage Livingston County $16.62 $15.62 1,089,868 Number of Renter Households $16.60 Lapeer County Percent Renters $16.60 28% Macomb County (tied with 3 others) $812 Two bedroom FMR 74 $1,592 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $662 renter wage ––––––––––––– $478 Rent affordable at 30% of AMI Rent affordable with full-time job paying $442 min wage 1.8 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $1,500 $0 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 115 NATIONAL LOW INCOME HOUSING COALITION

122 Michigan AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at rent rent necessary to needed mean renter Renter Monthly rent % of total hourly mean minimum wage affordable affordable 1 afford 2 BR to afford 2 BR Annual households affordable households wage needed to 30% renter wage needed to afford at 30% at mean 5 4 3 2 FM 2 BR FMR AMI R FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI Michigan $478 1.8 $812 1,089,868 $19,105 $662 1.2 $12.72 $15.62 28% $32,494 $1,592 $63,683 Combined Nonmetro Areas 1.4 $1,338 156,543 $401 $16,057 $53,523 $482 $693 $27,705 22% $13.32 $9.28 1.6 Metropolitan Areas $2,290 39% $27,480 $19.60 $40,760 $687 $13.62 2.3 1.4 $1,019 $708 53,729 Ann Arbor MSA $91,600 18% $524 1.3 1.5 $10.09 $13.15 $19,410 4,100 $27,360 $684 $1,618 $485 $64,700 Barry County HMFA 1.0 1.6 $13.66 $13.81 $16,650 30% $28,720 $718 $1,388 $416 $55,500 Battle Creek MSA $710 15,934 $13.21 $8.81 1.6 1.5 $458 9,567 Bay City MSA $55,300 $415 $1,383 $687 $27,480 22% $16,590 $16,950 3,343 $424 $1,413 $726 $29,040 17% $56,500 $13.96 $10.43 1.6 1.3 $542 Cass County HMFA $766 Detroit-Warren-Livonia HMFA $66,900 $502 $1,673 $863 $34,520 31% $20,070 $16.60 $14.74 2.0 1.1 490,644 1.4 $539 50,795 $14.19 1.7 Flint MSA $15,660 $10.36 $29,520 $738 $1,305 $392 $52,200 31% 71,189 Grand Rapids-Wyoming HMFA $66,800 $501 $1,670 $776 $31,040 31% $20,040 $14.92 $12.19 1.8 1.2 $634 22% $575 $69,300 $520 $1,733 $749 $29,960 Holland-Grand Haven HMFA $20,790 $14.40 $11.06 1.7 1.3 21,232 $17,670 $14.46 $10.79 1.7 1.3 $561 16,569 Jackson MSA $58,900 $442 $1,473 $752 $30,080 27% $18,930 Kalamazoo-Portage MSA $11.62 1.7 1.3 $604 42,055 $63,100 $473 $1,578 $769 $30,760 33% $14.79 $33,920 35% $11.34 1.9 1.4 $590 63,970 $16.31 $848 $1,640 $492 $65,600 Lansing-East Lansing MSA $19,680 $636 $2,120 $864 $34,560 15% $25,440 2.0 1.6 $534 10,423 Livingston County HMFA $84,800 $16.62 $10.27 $20,490 8,391 $512 $1,708 $778 $31,120 25% $68,300 $14.96 $14.48 1.8 1.0 $753 Midland MSA 12,146 Monroe, MI MSA $69,200 $519 $1,730 $808 $32,320 21% $20,760 $15.54 $12.32 1.8 1.3 $641 $26,320 $12.65 1.5 1.3 $14,610 $525 21% $10.09 $658 $1,218 $365 $48,700 Montcalm County HMFA 4,808 16,408 $14.62 Muskegon MSA $52,200 $392 $1,305 $760 $30,400 25% $15,660 $9.28 1.7 1.6 $482 28% $570 $59,100 $443 $1,478 $703 $28,120 Niles-Benton Harbor MSA $17,730 $13.52 $10.96 1.6 1.2 16,923 $16,680 $13.63 $10.44 1.6 1.3 $543 21,099 Saginaw MSA $55,600 $417 $1,390 $709 $28,360 27% Counties $8.12 570 $46,600 $350 $1,165 11% $422 1.6 1.5 $658 $12.65 $13,980 $26,320 Alcona County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 116 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

123 Michigan RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,183 Alger County $658 $26,320 14% 523 $12.65 $47,300 $9.42 1.5 1.3 $490 $355 $14,190 $14.02 $627 1.2 1.6 $12.06 Allegan County $19,080 18% $29,160 $729 $1,590 $477 $63,600 7,634 23% Alpena County $49,600 $372 $1,240 $658 $26,320 2,900 $14,880 $12.65 $8.11 1.5 1.6 $422 $361 1,370 Antrim County 1.5 $6.94 $12.88 $16,350 14% $26,800 $670 $1,363 $409 $54,500 1.9 $6.93 $46,700 $658 $26,320 16% $14,010 $12.65 $1,168 1.5 1.8 $360 $350 Arenac County 1,053 $398 Baraga County 517 $397 1.7 1.5 $7.64 $12.65 $15,930 17% $26,320 $658 $1,328 $53,100 $524 Barry County 1.3 1.5 $10.09 $13.15 $19,410 18% $684 $1,618 $485 $64,700 $27,360 4,100 Bay County $55,300 $415 $1,383 $687 $27,480 9,567 $16,590 $13.21 $8.81 1.6 1.5 $458 22% $8.98 1.6 1.5 $467 $423 $709 $56,400 1,138 Benzie County $28,360 15% $16,920 $1,410 $13.63 $443 $1,478 $703 $28,120 28% $17,730 $13.52 $10.96 1.6 1.2 $570 Berrien County 16,923 $59,100 22% $498 $52,000 $390 $1,300 $672 $26,880 3,534 $15,600 $12.92 $9.57 1.5 1.4 Branch County $710 Calhoun County 15,934 $55,500 $416 $1,388 $718 $28,720 30% $16,650 $13.81 $13.66 1.6 1.0 $542 3,343 Cass County $56,500 $424 $1,413 $726 $29,040 17% $16,950 $13.96 $10.43 1.6 1.3 19% Charlevoix County $57,700 $433 $1,443 $683 $27,320 1,973 $17,310 $13.13 $10.24 1.5 1.3 $533 $1,180 Cheboygan County 2,055 $47,200 $658 $26,320 18% $354 $14,160 $12.65 $7.03 1.5 1.8 $366 30% $420 4,268 Chippewa County $1,400 $673 $26,920 $56,000 $16,800 $12.94 1.5 1.9 $356 $6.85 $41,400 $311 $1,035 $658 $26,320 20% $12,420 $12.65 $8.20 1.5 1.5 $427 Clare County 2,623 20% Clinton County $65,600 $492 $1,640 $848 $33,920 5,700 $19,680 $16.31 $9.65 1.9 1.7 $502 $12.96 $9.96 1.5 1.3 $518 18% Crawford County 1,043 $51,400 $386 $1,285 $674 $26,960 $15,420 $26,320 1.8 1.5 $7.23 $12.65 $16,470 21% $376 $658 $1,373 $412 $54,900 3,355 Delta County $16,410 $12.65 $11.58 1.5 1.1 $602 $658 $1,368 $410 $54,700 2,014 Dickinson County $26,320 18% 29% Eaton County 12,425 $19,680 $16.31 $10.76 1.9 1.5 $560 $65,600 $848 $33,920 $492 $1,640 23% Emmet County $63,300 $475 $1,583 $770 $30,800 3,174 $18,990 $14.81 $8.54 1.7 1.7 $444 $539 Genesee County 50,795 $52,200 $392 $1,305 $738 $29,520 31% $15,660 $14.19 $10.36 1.7 1.4 $14,040 $658 $46,800 $351 $1,170 $26,320 15% 1,676 $12.65 $7.94 1.5 1.6 $413 Gladwin County $451 1,651 $47,800 $359 $1,195 $658 $26,320 24% $14,340 $12.65 $8.68 1.5 1.5 Gogebic County $16.88 $11.08 2.0 1.5 $576 $1,540 8,460 Grand Traverse County $61,600 $878 $35,120 24% $18,480 $462 $52,200 $392 $1,305 $658 $26,320 26% $15,660 $12.65 $8.68 1.5 1.5 $451 Gratiot County 3,764 $12.65 $26,320 3,915 $51,300 $385 $1,283 $553 1.2 1.5 $10.64 $658 $15,390 22% Hillsdale County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 117 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

124 Michigan RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,345 Houghton County $658 $26,320 31% 4,308 $12.65 $53,800 $7.66 1.5 1.7 $398 $404 $16,140 $12.65 $469 1.4 1.5 $9.03 Huron County $15,690 19% $26,320 $658 $1,308 $392 $52,300 2,607 42% Ingham County $65,600 $492 $1,640 $848 $33,920 45,845 $19,680 $16.31 $11.71 1.9 1.4 $609 $331 4,773 Ionia County 1.6 $6.37 $13.38 $16,890 22% $27,840 $696 $1,408 $422 $56,300 2.1 $9.53 $46,500 $658 $26,320 20% $13,950 $12.65 $1,163 1.5 1.3 $496 $349 Iosco County 2,239 $358 Iron County 819 $424 1.6 1.5 $8.15 $12.65 $14,310 15% $26,320 $658 $1,193 $47,700 $417 Isabella County 1.7 1.6 $8.02 $13.50 $15,600 41% $702 $1,300 $390 $52,000 $28,080 10,091 Jackson County $58,900 $442 $1,473 $752 $30,080 16,569 $17,670 $14.46 $10.79 1.7 1.3 $561 27% $12.04 1.7 1.2 $626 $473 $769 $63,100 35,895 Kalamazoo County $30,760 36% $18,930 $1,578 $14.79 $371 $1,235 $679 $27,160 19% $14,820 $13.06 $13.95 1.5 0.9 $725 Kalkaska County 1,368 $49,400 31% $634 $66,800 $501 $1,670 $776 $31,040 71,189 $20,040 $14.92 $12.19 1.8 1.2 Kent County $317 Keweenaw County 115 $51,600 $387 $1,290 $658 $26,320 11% $15,480 $12.65 $6.10 1.5 2.1 $313 833 Lake County $38,700 $290 $968 $658 $26,320 19% $11,610 $12.65 $6.01 1.5 2.1 17% Lapeer County $66,900 $502 $1,673 $863 $34,520 5,484 $20,070 $16.60 $8.48 2.0 2.0 $441 $1,708 Leelanau County 1,331 $68,300 $802 $32,080 15% $512 $20,490 $15.42 $9.71 1.8 1.6 $505 23% $449 8,618 Lenawee County $1,498 $713 $28,520 $59,900 $17,970 $13.71 1.6 1.4 $511 $9.83 $84,800 $636 $2,120 $864 $34,560 15% $25,440 $16.62 $10.27 2.0 1.6 $534 Livingston County 10,423 26% Luce County $47,200 $354 $1,180 $658 $26,320 608 $14,160 $12.65 $9.06 1.5 1.4 $471 $12.65 $9.70 1.5 1.3 $504 24% Mackinac County 1,194 $48,800 $366 $1,220 $658 $26,320 $14,640 $34,520 1.2 2.0 $13.92 $16.60 $20,070 26% $724 $863 $1,673 $502 $66,900 86,223 Macomb County $15,300 $12.65 $9.86 1.5 1.3 $513 $658 $1,275 $383 $51,000 2,179 Manistee County $26,320 21% 31% Marquette County 8,154 $18,210 $13.88 $8.49 1.6 1.6 $442 $60,700 $722 $28,880 $455 $1,518 25% Mason County $52,100 $391 $1,303 $658 $26,320 3,031 $15,630 $12.65 $9.69 1.5 1.3 $504 $427 Mecosta County 4,061 $51,700 $388 $1,293 $658 $26,320 26% $15,510 $12.65 $8.21 1.5 1.5 $15,270 $658 $50,900 $382 $1,273 $26,320 19% 2,046 $12.65 $8.39 1.5 1.5 $436 Menominee County $753 8,391 $68,300 $512 $1,708 $778 $31,120 25% $20,490 $14.96 $14.48 1.8 1.0 Midland County $12.65 $8.38 1.5 1.5 $436 $1,218 1,094 Missaukee County $48,700 $658 $26,320 18% $14,610 $365 $69,200 $519 $1,730 $808 $32,320 21% $20,760 $15.54 $12.32 1.8 1.3 $641 Monroe County 12,146 $12.65 $26,320 4,808 $48,700 $365 $1,218 $525 1.3 1.5 $10.09 $658 $14,610 21% Montcalm County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 118 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

125 Michigan RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI (2016) 2 BR FMR renter wage of AMI 503 $678 $43,800 $27,120 13% $13,140 $13.04 $7.39 Montmorency County 1.5 1.8 $384 $329 $1,095 Muskegon County $14.62 1.6 1.7 $9.28 $482 $15,660 25% $30,400 $760 $1,305 $392 $52,200 16,408 $15,450 3,076 $386 $1,288 $658 $26,320 17% $51,500 $12.65 $9.06 1.5 1.4 $471 Newaygo County $66,900 142,706 Oakland County $818 $15.74 $16.60 $20,070 29% $34,520 $863 1.1 $1,673 $502 2.0 1,889 $48,700 $365 $1,218 $658 $26,320 20% $14,610 $12.65 $8.40 1.5 1.5 $437 Oceana County $12.83 18% 1,669 $352 1.9 1.5 $6.78 Ogemaw County $12,960 $26,680 $667 $1,080 $324 $43,200 Ontonagon County $5.03 $12.65 $13,860 13% $26,320 $658 2.5 $1,155 $347 $46,200 $262 1.5 412 $547 1,866 $47,000 $353 $1,175 $658 Osceola County 21% $14,100 $12.65 $10.52 1.5 1.2 $26,320 $312 $1,040 $699 $27,960 15% $12,480 $13.44 $6.25 1.6 2.2 $325 Oscoda County 578 $41,600 21% $470 $58,300 $437 $1,458 $680 $27,200 2,082 $17,490 $13.08 $9.04 1.5 1.4 Otsego County $575 Ottawa County 21,232 $69,300 $520 $1,733 $749 $29,960 22% $20,790 $14.40 $11.06 1.7 1.3 $26,320 1.2 1.5 $10.39 $12.65 $14,340 13% 778 $658 $1,195 $359 $47,800 Presque Isle County $540 20% $374 $41,800 $314 $1,045 $658 $26,320 2,307 $12,540 $12.65 $7.19 1.5 1.8 Roscommon County $1,390 Saginaw County 21,099 $55,600 $543 1.3 1.6 $10.44 $13.63 $16,680 27% $28,360 $709 $417 $66,900 $502 $1,673 $863 $34,520 24% $20,070 $16.60 $9.82 2.0 1.7 $511 St. Clair County 15,096 $401 St. Joseph County $671 $26,840 25% $16,050 $12.90 $10.44 1.5 1.2 $543 5,601 $53,500 $1,338 1.5 $390 $26,320 19% $15,600 $12.65 $8.70 $658 1.5 $452 $52,000 $1,300 Sanilac County 3,139 $366 $1,220 $658 $26,320 18% $14,640 $12.65 Schoolcraft County 1.5 1.8 $372 623 $48,800 $7.15 $52,800 $1,320 $687 $27,480 23% $15,840 $396 $8.56 1.6 1.5 $445 6,408 Shiawassee County $13.21 $12.65 $10.01 1.5 1.3 $520 $52,700 $658 Tuscola County $1,318 3,876 $26,320 18% $15,810 $395 $18,930 6,160 $473 $1,578 $769 $30,760 22% $63,100 $14.79 $9.06 1.7 1.6 $471 Van Buren County Washtenaw County $708 1.4 2.3 $13.62 $19.60 $27,480 53,729 $40,760 $1,019 $2,290 $687 $91,600 39% $755 241,135 $66,900 $502 $1,673 $863 Wayne County 36% $20,070 $16.60 $14.52 2.0 1.1 $34,520 Wexford County 1.6 $539 1.4 $10.36 $14.00 $15,030 24% $29,120 $728 $1,253 $376 $50,100 3,057 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 119 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

126 MINNESOTA S TAT E RANKING . In order to $924 In Minnesota, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 22 monthly or $3,078 a household must earn annually. Assuming a 40-hour work week, $36,941 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $17.76 HOUSING WAGE* MOST EXPENSIVE AREAS STATE FACTS Minimum Wage $9.00 $19.75 Minneapolis-St. Paul-Bloomington HFMA Average Renter Wage Rice County $17.48 $13.32 $17.76 Dodge County $17.46 2-Bedroom Housing Wage 590,136 Olmsted County $17.46 Number of Renter Households Percent Renters 28% Lake County $16.10 $924 Two bedroom FMR 79 $1,947 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $692 renter wage ––––––––––––– $584 Rent affordable at 30% of AMI Rent affordable with full-time job paying $468 min wage 2 $244 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 120 NATIONAL LOW INCOME HOUSING COALITION

127 Minnesota HOUSING COSTS RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual 30% households households affordable needed to afford renter wage at mean at 30% 3 5 4 2 afford 2 BR FMR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage Minnesota 590,136 1.3 $13.32 $17.76 28% $36,941 2.0 $924 $1,947 $23,364 $77,878 $692 $584 Combined Nonmetro Areas $8.87 $18,911 $461 1.5 1.5 118,240 $63,035 $13.68 $1,576 23% $28,451 $711 $473 Metropolitan Areas 27,673 Duluth MSA $62,700 $470 $1,568 $755 $30,200 28% $18,810 $14.52 $9.22 1.6 1.6 $479 $21,960 6,888 $73,200 $549 $1,830 $771 31% Fargo MSA $14.83 $7.06 1.6 2.1 $367 $30,840 1,776 $12.65 $19,830 21% $26,320 $658 1.7 $1,653 $496 $66,100 Fillmore County HMFA $378 1.4 $7.27 3,587 $389 2.1 1.8 $7.48 $16.02 $20,820 28% $833 $1,735 $521 $69,400 Grand Forks MSA $33,320 $828 $1,693 $508 $67,700 La Crosse-Onalaska MSA 1,548 $323 2.6 1.8 $6.20 $15.92 $20,310 20% $33,120 $21,690 $1,808 $565 1.3 1.5 $10.86 $13.65 2,042 19% $28,400 Le Sueur County HMFA $72,300 $542 $710 Mankato-North Mankato MSA 11,783 $474 1.7 1.7 $9.12 $15.67 $23,010 32% $32,600 $815 $1,918 $575 $76,700 26% 2,703 $59,400 $446 $1,485 $795 $31,800 Mille Lacs County HMFA $17,820 $15.29 $8.04 1.7 1.9 $418 $41,080 2.2 $15.26 $19.75 $25,740 $1,027 $2,145 $644 $85,800 Minneapolis-St. Paul-Bloomington HMFA 30% 373,933 $794 1.3 $25,290 Rochester HMFA $687 1.3 1.9 $13.22 $17.46 16,261 25% $36,320 $908 $2,108 $632 $84,300 1,251 21% $26,320 $658 $1,663 $499 $66,500 Sibley County HMFA $19,950 $12.65 $9.82 1.4 1.3 $511 $14.13 $71,400 $1,785 $735 $29,400 29% $21,420 $536 $10.25 1.6 1.4 $533 20,907 St. Cloud MSA Wabasha County HMFA $68,400 $513 $1,710 $694 $27,760 17% $20,520 $13.35 $8.63 1.5 1.5 $449 1,544 Counties Aitkin County $15,600 $13.40 $8.09 1.5 1.7 $420 17% $27,880 $697 $1,300 $390 $52,000 1,326 19% $625 $85,800 $644 $2,145 $1,027 $41,080 23,568 $25,740 $19.75 $12.03 2.2 1.6 Anoka County $443 Becker County 2,820 $61,400 $461 $1,535 $663 $26,520 21% $18,420 $12.75 $8.52 1.4 1.5 $29,720 30% $14.29 $8.64 1.6 1.7 $16,500 $449 Beltrami County 5,035 $55,000 $413 $1,375 $743 $14.13 Benton County $1,785 $735 $29,400 30% $21,420 $536 $8.15 1.6 1.7 $424 $71,400 4,690 20% $57,500 $431 $1,438 $658 $26,320 Big Stone County $17,250 $12.65 $7.69 1.4 1.6 $400 472 Blue Earth County 8,460 $76,700 $575 $1,918 $815 $464 1.7 $32,600 34% $23,010 $15.67 $8.92 1.8 $1,688 $506 $67,500 2,396 Brown County 22% $12.65 $9.38 1.4 1.3 $488 $26,320 $658 $20,250 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 121 OUT OF REACH 2016 •

128 Minnesota HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated t ren Full-time jobs at rent essary to nec n renter mea ded nee Monthly rent % of total Renter hou min rly mean affordable imum wage affordable 1 wage needed to afford 2 BR 30% 2 BR to afford Annual hou hou seholds seholds affordable renter wage at mean needed to afford at 30% 3 5 2 4 FMR afford 2 BR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) renter wage of AMI 1.6 22% $18,810 $14.52 $8.86 $30,200 $755 2,952 $1,568 $461 $470 $62,700 1.6 Carlton County $579 $41,080 1.8 $2,145 $644 $85,800 $1,027 6,350 Carver County 2.2 $11.13 $19.75 $25,740 19% $29,000 $333 2,472 $54,700 $410 $1,368 $725 Cass County 19% $16,410 $13.94 $6.40 1.5 2.2 $27,920 $13.42 $10.09 1.5 1.3 $525 $497 $66,300 27% 1,388 Chippewa County $1,658 $698 $19,890 15% Chisago County $85,800 $644 $2,145 $1,027 $41,080 3,046 $25,740 $19.75 $6.95 2.2 2.8 $361 $367 Clay County 6,888 $73,200 $549 $1,830 $771 $30,840 31% $21,960 $14.83 $7.06 1.6 2.1 $16,200 $658 $54,000 $405 $1,350 $26,320 20% 710 $12.65 $8.25 1.4 1.5 $429 Clearwater County $305 701 $61,200 $459 $1,530 $761 $30,440 27% $18,360 $14.63 $5.86 1.6 2.5 Cook County $7.14 1.4 1.8 $371 $56,500 $424 1,073 Cottonwood County $1,413 $26,320 22% $16,950 $12.65 $658 $446 $1,488 $797 $31,880 25% $17,850 $15.33 $8.92 1.7 1.7 $464 Crow Wing County 6,685 $59,500 25% $674 $85,800 $644 $2,145 $1,027 $41,080 38,375 $25,740 $19.75 $12.97 2.2 1.5 Dakota County 1.9 Dodge County 1,185 $84,300 $632 $2,108 $908 $36,320 16% $25,290 $17.46 $8.24 2.1 $428 $442 Douglas County 3,717 $66,900 $502 $1,673 $694 $27,760 24% $20,070 $13.35 $8.50 1.5 1.6 23% Faribault County $58,300 $437 $1,458 $658 $26,320 1,441 $17,490 $12.65 $13.54 1.4 0.9 $704 $1,653 Fillmore County 1,776 $66,100 $658 $26,320 21% $496 $19,830 $12.65 $7.27 1.4 1.7 $378 24% $449 3,142 Freeborn County $1,495 $658 $26,320 $59,800 $17,940 $12.65 1.4 1.2 $538 $10.34 $75,000 $563 $1,875 $782 $31,280 24% $22,500 $15.04 $9.30 1.7 1.6 $484 Goodhue County 4,479 19% Grant County $63,100 $473 $1,578 $658 $26,320 492 $18,930 $12.65 $8.58 1.4 1.5 $446 $19.75 $17.33 2.2 1.1 $901 37% Hennepin County 178,580 $85,800 $644 $2,145 $1,027 $41,080 $25,740 $33,120 2.6 1.8 $6.20 $15.92 $20,310 20% $323 $828 $1,693 $508 $67,700 1,548 Houston County $17,160 $12.65 $8.31 1.4 1.5 $432 $658 $1,430 $429 $57,200 1,637 Hubbard County $26,320 19% 19% Isanti County 2,595 $25,740 $19.75 $9.48 2.2 2.1 $493 $85,800 $1,027 $41,080 $644 $2,145 20% Itasca County $58,200 $437 $1,455 $728 $29,120 3,742 $17,460 $14.00 $9.78 1.6 1.4 $508 $494 Jackson County 1,016 $66,300 $497 $1,658 $658 $26,320 23% $19,890 $12.65 $9.51 1.4 1.3 $16,650 $774 $55,500 $416 $1,388 $30,960 21% 1,327 $14.88 $8.83 1.7 1.7 $459 Kanabec County $414 4,353 $64,600 $485 $1,615 $686 $27,440 26% $19,380 $13.19 $7.96 1.5 1.7 Kandiyohi County $12.65 $8.44 1.4 1.5 $439 $1,650 360 Kittson County $66,000 $658 $26,320 19% $19,800 $495 $57,500 $431 $1,438 $658 $26,320 24% $17,250 $12.65 $6.97 1.4 1.8 $362 Koochiching County 1,419 $12.65 $26,320 589 $62,500 $469 $1,563 $503 1.3 1.4 $9.67 $658 $18,750 19% Lac qui Parle County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 122 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

129 Minnesota RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,580 Lake County $837 $33,480 18% 895 $16.10 $63,200 $10.16 1.8 1.6 $528 $474 $18,960 $12.65 $364 1.8 1.4 $7.00 Lake of the Woods County $15,330 13% $26,320 $658 $1,278 $383 $51,100 220 19% Le Sueur County $72,300 $542 $1,808 $710 $28,400 2,042 $21,690 $13.65 $10.86 1.5 1.3 $565 $400 470 Lincoln County 1.4 $7.69 $12.65 $19,470 19% $26,320 $658 $1,623 $487 $64,900 1.6 $9.25 $71,900 $658 $26,320 32% $21,570 $12.65 $1,798 1.4 1.4 $481 $539 Lyon County 3,271 $524 McLeod County 3,516 $521 1.3 1.5 $10.03 $13.35 $20,940 24% $27,760 $694 $1,745 $69,800 $386 Mahnomen County 1.7 1.4 $7.43 $12.65 $14,700 27% $658 $1,225 $368 $49,000 $26,320 552 Marshall County $66,800 $501 $1,670 $658 $26,320 783 $20,040 $12.65 $11.01 1.4 1.1 $573 19% $8.28 1.4 1.5 $431 $471 $658 $62,800 2,082 Martin County $26,320 24% $18,840 $1,570 $12.65 $492 $1,640 $747 $29,880 21% $19,680 $14.37 $8.57 1.6 1.7 $446 Meeker County 1,955 $65,600 26% $418 $59,400 $446 $1,485 $795 $31,800 2,703 $17,820 $15.29 $8.04 1.7 1.9 Mille Lacs County $333 Morrison County 2,650 $61,700 $463 $1,543 $659 $26,360 20% $18,510 $12.67 $6.40 1.4 2.0 $509 4,356 Mower County $62,700 $470 $1,568 $736 $29,440 28% $18,810 $14.15 $9.80 1.6 1.4 18% Murray County $65,200 $489 $1,630 $658 $26,320 670 $19,560 $12.65 $9.50 1.4 1.3 $494 $1,918 Nicollet County 3,323 $76,700 $815 $32,600 27% $575 $23,010 $15.67 $9.70 1.7 1.6 $504 28% $425 2,214 Nobles County $1,415 $691 $27,640 $56,600 $16,980 $13.29 1.5 1.4 $509 $9.78 $60,700 $455 $1,518 $658 $26,320 20% $18,210 $12.65 $10.24 1.4 1.2 $532 Norman County 553 26% Olmsted County $84,300 $632 $2,108 $908 $36,320 15,076 $25,290 $17.46 $13.48 1.9 1.3 $701 $12.65 $7.07 1.4 1.8 $368 21% Otter Tail County 5,046 $63,300 $475 $1,583 $658 $26,320 $18,990 $26,320 1.2 1.4 $10.21 $12.65 $18,930 25% $531 $658 $1,578 $473 $63,100 1,477 Pennington County $16,590 $14.88 $6.77 1.7 2.2 $352 $774 $1,383 $415 $55,300 2,466 Pine County $30,960 21% 26% Pipestone County 1,044 $17,250 $12.65 $7.78 1.4 1.6 $405 $57,500 $658 $26,320 $431 $1,438 28% Polk County $69,400 $521 $1,735 $833 $33,320 3,587 $20,820 $16.02 $7.48 1.8 2.1 $389 $504 Pope County 1,002 $66,400 $498 $1,660 $733 $29,320 21% $19,920 $14.10 $9.70 1.6 1.5 $25,740 $1,027 $85,800 $644 $2,145 $41,080 41% 83,900 $19.75 $15.77 2.2 1.3 $820 Ramsey County $345 326 $61,200 $459 $1,530 $658 $26,320 19% $18,360 $12.65 $6.63 1.4 1.9 Red Lake County $12.65 $9.11 1.4 1.4 $474 $1,558 1,372 Redwood County $62,300 $658 $26,320 21% $18,690 $467 $60,100 $451 $1,503 $658 $26,320 21% $18,030 $12.65 $10.26 1.4 1.2 $533 Renville County 1,352 $17.48 $36,360 5,526 $73,200 $549 $1,830 $450 2.0 1.9 $8.66 $909 $21,960 25% Rice County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 123 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

130 Minnesota RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI (2016) 2 BR FMR renter wage of AMI $18,120 $8.72 $12.65 24% $26,320 $454 $658 $1,510 $453 $60,400 963 1.5 1.4 Rock County $60,800 $615 1.1 1.4 $11.82 1,406 $18,240 22% $26,320 $658 $1,520 $456 Roseau County $12.65 St. Louis County $62,700 $470 $1,568 $755 $30,200 24,721 $18,810 $14.52 $9.26 1.6 1.6 $481 29% $644 $85,800 7,439 Scott County $571 $10.98 2.2 $25,740 16% 1.8 $41,080 $1,027 $2,145 $19.75 5,616 $85,800 $644 $2,145 $1,027 $41,080 19% $25,740 $19.75 $10.23 2.2 1.9 Sherburne County $532 Sibley County $19,950 1.3 1.4 $9.82 $12.65 $511 21% $26,320 $658 $1,663 $499 $66,500 1,251 29% $557 $71,400 $536 $1,785 $735 $29,400 16,217 $21,420 $14.13 $10.71 1.6 1.3 Stearns County $551 $1,838 $772 $30,880 23% $22,050 $14.85 $8.87 1.6 1.7 $461 Steele County 3,328 $73,500 1.4 $463 1,179 $73,500 $551 $1,838 $658 $26,320 32% $22,050 $12.65 $8.90 1.4 Stevens County $658 $524 $10.07 $12.65 $19,770 26% $26,320 1.4 $1,648 $494 $65,900 1,101 Swift County 1.3 $398 1.7 1.4 $7.65 $12.65 $16,590 19% $26,320 $658 $1,383 $415 $55,300 Todd County 1,859 $26,320 1.7 296 $63,900 $479 $1,598 $658 Traverse County 19% $19,170 $12.65 $7.43 1.4 $386 $68,400 $513 $1,710 $694 $27,760 17% $20,520 $13.35 $8.63 1.5 1.5 $449 Wabasha County 1,544 $15,510 Wadena County $388 $1,293 $658 $26,320 26% $51,700 $12.65 $9.25 1.4 1.4 $481 1,465 22% 1,634 $67,900 $509 $1,698 $658 $26,320 $547 $20,370 $12.65 $10.51 1.4 1.2 Waseca County 19% Washington County $85,800 $644 $2,145 $1,027 $41,080 17,358 $25,740 $19.75 $10.62 2.2 1.9 $552 $427 Watonwan County 1,200 $62,700 $470 $1,568 $658 $26,320 1.5 1.4 $8.22 $12.65 $18,810 27% $64,500 $1,613 $658 $26,320 23% 644 Wilkin County $484 $19,350 $12.65 $6.82 1.4 1.9 $355 30% Winona County $69,700 $523 $1,743 $720 $28,800 5,674 $20,910 $13.85 $8.19 1.5 1.7 $426 $41,080 Wright County 7,106 $85,800 $644 $2,145 $447 2.3 2.2 $8.60 $1,027 $25,740 16% $19.75 $18,900 Yellow Medicine County 901 $63,000 $473 $1,575 $658 $26,320 21% $501 $12.65 $9.64 1.4 1.3 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 124 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

131 MISSISSIPPI S TAT E . In order to $732 In Mississippi, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — a household must earn $29,268 annually. Assuming a 40-hour work week, monthly or $2,439 * 46 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.07 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS $16.65 Minimum Wage $7.25 Lafayette County Average Renter Wage $10.64 Copiah County $15.98 $14.07 $15.98 2-Bedroom Housing Wage Hinds County Madison County 339,802 Number of Renter Households $15.98 Percent Renters $15.98 31% Rankin County $732 Two bedroom FMR 78 $1,231 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $553 renter wage ––––––––––––– $369 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 1.9 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,500 $1,000 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 125 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

132 Mississippi HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly rent rent Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated Monthly rent affordable affordable mean renter necessary to needed % of total Renter minimum wage hourly mean 1 affordable at 30% at mean afford 2 BR wage needed to to afford 2 BR 30% Annual households households renter wage needed to afford 4 5 3 2 at AMI of AMI renter wage FMR afford 2 BR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) (2016) 2 BR FMR Mississippi $29,268 $553 1.3 $10.64 $14,768 31% $369 $732 $1,231 339,802 $49,227 1.9 $14.07 Combined Nonmetro Areas $13,287 $44,291 1.4 $502 $1,107 1.8 178,431 $9.66 $13.05 $332 30% $27,144 $679 Metropolitan Areas 516 1.6 1.7 $7.81 $12.27 $13,080 $406 $25,520 $638 $1,090 $327 $43,600 Benton County HMFA 17% 35,313 $608 1.3 2.1 $11.69 $15.40 $15,330 38% $801 $1,278 $383 $51,100 Gulfport-Biloxi HMFA $32,040 $16,140 Hattiesburg MSA $404 $1,345 $731 $29,240 37% $53,800 $14.06 $9.81 1.9 1.4 $510 20,032 $33,240 61,927 $629 1.3 2.2 $12.10 $15.98 Jackson HMFA 33% $831 $1,455 $437 $58,200 $17,460 2,983 $42,400 $318 $1,060 $638 $25,520 Marshall County HMFA $12,720 $12.27 $9.92 1.7 1.2 $516 23% Memphis HMFA 26% 15,317 $527 1.6 2.2 $10.13 $15.90 $18,030 $33,080 $827 $1,503 $451 $60,100 $14.77 Pascagoula HMFA $1,475 $768 $30,720 29% $17,700 $443 $14.85 2.0 1.0 $772 14,579 $59,000 $45,800 2,211 $425 1.5 1.7 $8.18 $12.27 $13,740 23% $25,520 $638 $1,145 $344 Simpson County HMFA Tate County HMFA 2,798 $491 1.4 1.8 $9.45 $13.13 $15,990 28% $27,320 $683 $1,333 $400 $53,300 56% 2,265 $35,900 $269 $898 $673 $26,920 Tunica County HMFA $10,770 $12.94 $9.71 1.8 1.3 $505 $12.46 $648 $850 $255 $34,000 $10,200 $8.29 1.7 1.5 $431 3,430 Yazoo County HMFA 40% $25,920 Counties 34% $713 $925 $278 $37,000 4,113 Adams County $11,100 $13.71 $9.74 1.9 1.4 $506 $28,520 4,341 $44,500 $1,113 $641 $25,640 30% $13,350 $12.33 $10.44 1.7 1.2 $543 Alcorn County $334 $11,160 811 $930 $638 $25,520 Amite County 16% $279 $12.27 $10.38 1.7 1.2 $540 $37,200 Attala County 2,142 $42,400 $318 $1,060 $638 $25,520 29% $12,720 $12.27 $7.60 1.7 1.6 $395 17% Benton County $43,600 $327 $1,090 $638 $25,520 516 $13,080 $12.27 $7.81 1.7 1.6 $406 $12.27 $25,520 $638 $935 $281 $37,400 5,417 Bolivar County $10.49 1.7 1.2 $545 44% $11,220 $12,150 Calhoun County $304 $1,013 $638 $25,520 29% $40,500 $12.27 $8.14 1.7 1.5 $423 1,699 $12,630 586 $42,100 $316 $1,053 $652 $26,080 15% $633 1.0 1.7 $12.18 $12.54 Carroll County $25,520 $638 $945 Chickasaw County $37,800 1,682 $428 1.5 1.7 $8.23 $12.27 $11,340 26% $284 $688 Choctaw County 960 $42,200 $317 $1,055 $638 $25,520 28% 1.7 0.9 $13.23 $12.27 $12,660 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 126 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

133 Mississippi RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $805 Claiborne County $638 $25,520 23% 742 $12.27 $32,200 $17.77 1.7 0.7 $924 $242 $9,660 $12.77 $623 1.1 1.8 $11.97 Clarke County $12,780 16% $26,560 $664 $1,065 $320 $42,600 1,037 30% Clay County $40,200 $302 $1,005 $640 $25,600 2,310 $12,060 $12.31 $8.73 1.7 1.4 $454 $527 4,322 Coahoma County 1.7 $10.14 $12.60 $9,570 46% $26,200 $655 $798 $239 $31,900 1.2 $8.97 $58,200 $831 $33,240 24% $17,460 $15.98 $1,455 2.2 1.8 $466 $437 Copiah County 2,367 $329 Covington County 1,248 $472 1.4 1.7 $9.08 $12.27 $13,140 18% $25,520 $638 $1,095 $43,800 $527 DeSoto County 1.6 2.2 $10.13 $15.90 $18,030 26% $827 $1,503 $451 $60,100 $33,080 15,317 Forrest County $53,800 $404 $1,345 $731 $29,240 12,219 $16,140 $14.06 $10.48 1.9 1.3 $545 44% $11.12 1.7 1.1 $578 $302 $638 $40,300 690 Franklin County $25,520 21% $12,090 $1,008 $12.27 $414 $1,380 $638 $25,520 14% $16,560 $12.27 $8.49 1.7 1.4 $442 George County 1,056 $55,200 15% $414 $48,400 $363 $1,210 $638 $25,520 623 $14,520 $12.27 $7.96 1.7 1.5 Greene County $339 Grenada County 1,877 $49,600 $372 $1,240 $638 $25,520 25% $14,880 $12.27 $6.52 1.7 1.9 $746 4,870 Hancock County $51,100 $383 $1,278 $801 $32,040 26% $15,330 $15.40 $14.35 2.1 1.1 41% Harrison County $51,100 $383 $1,278 $801 $32,040 30,443 $15,330 $15.40 $11.32 2.1 1.4 $589 $1,455 Hinds County 35,513 $58,200 $831 $33,240 40% $437 $17,460 $15.98 $12.32 2.2 1.3 $640 33% $200 2,133 Holmes County $668 $638 $25,520 $26,700 $8,010 $12.27 1.7 1.5 $416 $8.00 $29,600 $222 $740 $638 $25,520 45% $8,880 $12.27 $7.90 1.7 1.6 $411 Humphreys County 1,365 35% Issaquena County $27,200 $204 $680 $638 $25,520 151 $8,160 $12.27 $4.86 1.7 2.5 $253 $12.27 $10.97 1.7 1.1 $570 22% Itawamba County 1,954 $46,300 $347 $1,158 $638 $25,520 $13,890 $30,720 1.0 2.0 $14.85 $14.77 $17,700 29% $772 $768 $1,475 $443 $59,000 14,579 Jackson County $11,460 $12.27 $13.44 1.7 0.9 $699 $638 $955 $287 $38,200 1,253 Jasper County $25,520 18% 37% Jefferson County 943 $10,110 $12.27 $8.51 1.7 1.4 $443 $33,700 $638 $25,520 $253 $843 21% Jefferson Davis County $35,900 $269 $898 $638 $25,520 1,046 $10,770 $12.27 $11.14 1.7 1.1 $579 $579 Jones County 6,503 $41,500 $311 $1,038 $722 $28,880 27% $12,450 $13.88 $11.14 1.9 1.2 $12,600 $651 $42,000 $315 $1,050 $26,040 22% 814 $12.52 $18.75 1.7 0.7 $975 Kemper County $420 6,732 $61,500 $461 $1,538 $866 $34,640 41% $18,450 $16.65 $8.07 2.3 2.1 Lafayette County $14.06 $8.42 1.9 1.7 $438 $1,345 7,110 Lamar County $53,800 $731 $29,240 33% $16,140 $404 $41,200 $309 $1,030 $742 $29,680 35% $12,360 $14.27 $10.29 2.0 1.4 $535 Lauderdale County 10,361 $12.60 $26,200 1,012 $51,300 $385 $1,283 $705 0.9 1.7 $13.55 $655 $15,390 21% Lawrence County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 127 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

134 Mississippi HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Full-time jobs at Estimated essary to nec mea n renter ded nee Monthly rent % of total Renter affordable affordable min imum wage rly mean hou 1 wage needed to afford 2 BR 30% to afford 2 BR Annual hou hou seholds seholds affordable at mean at 30% renter wage needed to afford 3 5 2 4 afford 2 BR FMR of AMI 2 BR FMR AM I FMR (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) 1.7 26% $11,940 $12.27 $8.10 $25,520 $638 2,136 $995 $421 $299 $39,800 1.5 Leake County $501 $28,360 1.4 $1,433 $430 $57,300 $709 9,782 Lee County 1.9 $9.64 $13.63 $17,190 31% $26,040 $467 5,375 $31,100 $233 $778 $651 Leflore County 49% $9,330 $12.52 $8.99 1.7 1.4 $25,520 $12.27 $10.70 1.7 1.1 $557 $320 $42,700 26% 3,379 Lincoln County $1,068 $638 $12,810 38% Lowndes County $49,900 $374 $1,248 $688 $27,520 8,903 $14,970 $13.23 $10.76 1.8 1.2 $560 $672 Madison County 10,507 $58,200 $437 $1,455 $831 $33,240 29% $17,460 $15.98 $12.93 2.2 1.2 $12,000 $638 $40,000 $300 $1,000 $25,520 24% 2,394 $12.27 $8.53 1.7 1.4 $444 Marion County $516 2,983 $42,400 $318 $1,060 $638 $25,520 23% $12,720 $12.27 $9.92 1.7 1.2 Marshall County $10.52 1.7 1.2 $547 $46,600 $350 3,165 Monroe County $1,165 $25,520 23% $13,980 $12.27 $638 $288 $960 $638 $25,520 25% $11,520 $12.27 $7.38 1.7 1.7 $384 Montgomery County 1,045 $38,400 26% $676 $42,500 $319 $1,063 $638 $25,520 2,837 $12,750 $12.27 $13.00 1.7 0.9 Neshoba County 1.8 Newton County 1,853 $45,900 $344 $1,148 $666 $26,640 23% $13,770 $12.81 $8.94 1.4 $465 $408 Noxubee County 1,265 $35,300 $265 $883 $638 $25,520 30% $10,590 $12.27 $7.84 1.7 1.6 48% Oktibbeha County $56,700 $425 $1,418 $786 $31,440 8,449 $17,010 $15.12 $7.80 2.1 1.9 $406 $1,075 Panola County 2,957 $43,000 $638 $25,520 25% $323 $12,900 $12.27 $9.28 1.7 1.3 $482 24% $388 4,901 Pearl River County $1,293 $673 $26,920 $51,700 $15,510 $12.94 1.8 1.4 $489 $9.40 $53,800 $404 $1,345 $731 $29,240 16% $16,140 $14.06 $12.02 1.9 1.2 $625 Perry County 703 33% Pike County $42,400 $318 $1,060 $707 $28,280 4,852 $12,720 $13.60 $7.39 1.9 1.8 $384 $12.27 $9.25 1.7 1.3 $481 24% Pontotoc County 2,469 $51,700 $388 $1,293 $638 $25,520 $15,510 $25,520 1.6 1.7 $7.68 $12.27 $12,960 27% $400 $638 $1,080 $324 $43,200 2,607 Prentiss County $8,670 $12.27 $9.27 1.7 1.3 $482 $638 $723 $217 $28,900 1,041 Quitman County $25,520 34% 25% Rankin County 13,540 $17,460 $15.98 $11.31 2.2 1.4 $588 $58,200 $831 $33,240 $437 $1,455 26% Scott County $40,400 $303 $1,010 $638 $25,520 2,559 $12,120 $12.27 $9.79 1.7 1.3 $509 $505 Sharkey County 723 $52,600 $395 $1,315 $638 $25,520 40% $15,780 $12.27 $9.71 1.7 1.3 $13,740 $638 $45,800 $344 $1,145 $25,520 23% 2,211 $12.27 $8.18 1.7 1.5 $425 Simpson County $522 1,095 $46,000 $345 $1,150 $638 $25,520 18% $13,800 $12.27 $10.04 1.7 1.2 Smith County $13.98 $9.31 1.9 1.5 $484 $1,295 1,028 Stone County $51,800 $727 $29,080 18% $15,540 $389 $32,700 $245 $818 $638 $25,520 41% $9,810 $12.27 $8.39 1.7 1.5 $436 Sunflower County 3,505 $12.27 $25,520 1,094 $38,500 $289 $963 $392 1.6 1.7 $7.53 $638 $11,550 24% Tallahatchie County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 128 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

135 Mississippi RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI (2016) 2 BR FMR renter wage of AMI $13.13 $491 1.4 1.8 $9.45 $53,300 $15,990 28% $27,320 $683 $1,333 $400 Tate County 2,798 2,086 1.3 1.7 $9.19 $12.31 $12,720 25% $25,600 $640 $1,060 $318 $42,400 Tippah County $478 $25,520 $426 1,804 $42,000 $315 $1,050 $638 Tishomingo County 24% $12,600 $12.27 $8.20 1.7 1.5 $10,770 1.3 Tunica County 2,265 $35,900 $269 $898 $673 $26,920 56% $12.94 1.8 $9.71 $505 $25,520 28% $13,800 $12.27 $13.02 Union County 1.7 0.9 $677 $638 $46,000 $345 $1,150 2,898 $195 $335 $1,118 $638 $25,520 14% $44,700 $13,410 $12.27 $3.74 1.7 3.3 Walthall County 838 $418 $1,393 $700 $28,000 35% $16,710 $13.46 $9.22 1.9 1.5 $480 Warren County 6,454 $55,700 $25,520 1.3 1.7 $9.25 $12.27 $10,170 45% $481 $638 $848 $254 $33,900 8,284 Washington County 1.2 1.7 $10.28 $12.27 18% $25,520 $638 $988 $296 $39,500 1,467 Wayne County $534 $11,850 $46,900 $352 $1,173 $638 $25,520 25% $14,070 $12.27 $5.79 1.7 2.1 $301 Webster County 1,025 $12,300 $308 $41,000 $1,025 $791 $31,640 21% 699 $15.21 $6.08 2.1 2.5 $316 Wilkinson County Winston County 2,327 $41,700 $313 $1,043 $638 $25,520 30% $12,510 $12.27 $9.16 1.7 1.3 $476 $638 $1,190 $357 $47,600 1,212 Yalobusha County 25% $14,280 $12.27 $6.21 1.7 2.0 $323 $25,520 $12.46 3,430 $255 $850 $648 $25,920 40% $10,200 Yazoo County $8.29 1.7 1.5 $431 $34,000 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 129 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

136 MISSOURI S TAT E RANKING . In order to $779 In Missouri, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 37 annually. Assuming a 40-hour work week, $31,158 monthly or $2,596 a household must earn 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.98 HOUSING WAGE* STATE FACTS MOST EXPENSIVE AREAS $17.17 Minimum Wage $7.65 Kansas City HMFA St. Louis HMFA $12.74 Average Renter Wage $16.15 2-Bedroom Housing Wage $14.98 Pulaski County $15.88 Number of Renter Households 756,950 $15.87 Boone County Percent Renters $14.60 32% Stone County $779 Two bedroom FMR 78 $1,570 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $662 renter wage ––––––––––––– $471 Rent affordable at 30% of AMI Rent affordable with full-time job paying $398 min wage 2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,500 $1,000 $500 $2,000 Ranked from Highest to Lowest 2-Bedroom Housing Wage * NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 130 •

137 Missouri HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly rent rent Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated Monthly rent affordable affordable mean renter necessary to needed Renter % of total hourly mean minimum wage 1 affordable at mean at 30% wage needed to afford 2 BR to afford 30% 2 BR Annual households households renter wage needed to afford 5 4 3 2 at AMI of AMI renter wage FMR afford 2 BR 2 BR FMR AMI FMR of AMI (2010-2014) (2010-2014) (2016) 2 BR FMR Missouri $779 1.2 $12.74 $14.98 $62,790 $31,158 $662 $1,570 $471 $18,837 756,950 2.0 32% Combined Nonmetro Areas $48,855 $660 $467 1.4 1.7 $1,221 $8.98 $12.68 178,139 30% $26,383 $366 $14,657 Metropolitan Areas 28% Bates County HMFA $51,800 $389 $1,295 $630 $25,200 $15,540 $12.12 $8.72 1.6 1.4 $454 1,898 26% $634 1.6 $12.20 $12.12 $17,970 4,239 1.0 Callaway County HMFA $59,900 $449 $1,498 $630 $25,200 $543 1.2 1.7 $10.45 $12.65 $16,530 33% $413 $55,100 Cape Girardeau MSA $26,320 $658 $1,378 11,374 $15.87 Columbia MSA $1,740 $825 $33,000 43% $20,880 $522 $8.76 2.1 1.8 $456 28,623 $69,600 $335 1.9 1.6 $6.45 $12.12 $13,680 21% $25,200 $630 $1,140 $342 $45,600 Dallas County HMFA 1,316 $12.12 Jefferson City HMFA $1,568 $630 $25,200 30% $18,810 $470 $9.97 1.6 1.2 $518 10,341 $62,700 1.1 $51,700 $388 $1,293 $667 $26,680 32% $15,510 $12.83 $11.18 1.7 $581 21,663 Joplin MSA Kansas City HMFA * $72,800 $546 $1,820 $893 $35,720 35% $21,840 $17.17 $14.05 2.2 1.2 $730 163,667 $13,920 McDonald County HMFA $348 $1,160 $630 $25,200 30% $46,400 $12.12 $9.75 1.6 1.2 $507 2,426 26% $25,200 $630 $358 1.8 1.6 $6.88 $12.12 $18,240 1,445 Moniteau County HMFA $60,800 $456 $1,520 $25,200 $8.43 $12.12 33% $630 $1,263 $379 $50,500 Polk County HMFA $15,150 3,860 $438 1.4 1.6 $16,320 Springfield HMFA $582 1.2 1.7 $11.19 $13.19 58,664 $54,400 $408 $1,360 $686 $27,440 37% 14,952 $557 1.3 1.8 $10.71 $13.44 $18,030 St. Joseph MSA 34% $27,960 $699 $1,503 $451 $60,100 $21,090 254,343 $70,300 $527 $1,758 $840 $33,600 St. Louis HMFA $16.15 $14.73 2.1 1.1 $766 31% Counties $16,800 $12.12 1.6 1.9 $335 $6.45 40% $25,200 $630 $1,400 $420 $56,000 3,834 Adair County 23% $13.44 $699 $1,503 $451 $60,100 1,514 Andrew County $18,030 $7.32 1.8 1.8 $380 $27,960 765 $12.12 $25,200 $630 $1,393 $418 $55,700 31% Atchison County $10.67 1.6 1.1 $555 $16,710 $16,500 27% $28,160 $704 $1,375 $413 $55,000 2,542 Audrain County $528 1.3 1.8 $10.16 $13.54 $593 1.6 3,308 $48,900 $367 $1,223 $630 Barry County $25,200 25% $14,670 $12.12 $11.41 1.1 1.9 $1,275 $383 $51,000 1,264 Barton County $340 1.6 $6.54 $12.12 $15,300 25% $25,200 $630 1: BR = Bedroom Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. * 50th FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) percentile FMR (See Appendix A). 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 131 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

138 Missouri HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Estimate Full-time jobs at d essary to Monthly rent nec mea n renter nee ded affordable affordable % of total Renter imum wage hourly mean min 1 afford 2 BR affordable wage needed to 30% to afford 2 BR Annual at mean at 30% households hou seholds needed to afford renter wage 4 2 3 5 at AMI FMR afford 2 BR of AMI 2 BR FMR FMR AMI renter wage of AMI (2010-2014) (2010-2014) 2 BR FMR (2016) 28% $389 1,898 $1,295 $15,540 $12.12 $8.72 Bates County $51,800 $630 $454 1.4 $25,200 1.6 $13,200 16% $343 1.9 $647 $1,100 $330 $44,000 1,322 Benton County $25,880 1.6 $6.59 $12.44 $26,320 $317 877 $55,100 $413 $1,378 $658 Bollinger County 18% $16,530 $12.65 $6.09 1.7 2.1 $33,000 Boone County $1,740 $15.87 $8.76 2.1 1.8 $456 $522 43% $69,600 28,623 $825 $20,880 36% Buchanan County $60,100 $451 $1,503 $699 $27,960 12,134 $18,030 $13.44 $11.00 1.8 1.2 $572 $473 Butler County 5,684 $44,300 $332 $1,108 $639 $25,560 34% $13,290 $12.29 $9.09 1.6 1.4 $21,840 $893 $72,800 $546 $1,820 $35,720 28% 1,029 $17.17 $10.47 2.2 1.6 $545 Caldwell County * $634 4,239 $59,900 $449 $1,498 $630 $25,200 26% $17,970 $12.12 $12.20 1.6 1.0 Callaway County $15,390 $12.94 $7.82 1.7 1.7 $385 $407 Camden County $51,300 3,725 $673 $26,920 21% $1,283 10,497 $55,100 $413 $1,378 $658 $26,320 35% $16,530 $12.65 $10.62 1.7 1.2 $552 Cape Girardeau County 23% $354 $63,000 $473 $1,575 $630 $25,200 843 $18,900 $12.12 $6.81 1.6 1.8 Carroll County $5.96 Carter County 695 $41,700 $313 $1,043 $637 $25,480 28% $12,510 $12.25 1.6 2.1 $310 $437 Cass County * 8,790 $72,800 $546 $1,820 $893 $35,720 23% $21,840 $17.17 $8.41 2.2 2.0 28% Cedar County $39,100 $293 $978 $646 $25,840 1,626 $11,730 $12.42 $7.10 1.6 1.8 $369 $52,700 Chariton County $395 $1,318 $630 $25,200 23% 669 $15,810 $12.12 $9.07 1.6 1.3 $472 26% 7,785 $54,400 $408 $1,360 $686 $27,440 Christian County $13.19 $8.69 1.7 1.5 $452 $16,320 Clark County 698 $51,600 $387 $1,290 $630 $25,200 24% $15,480 $12.12 $8.07 1.6 1.5 $419 29% Clay County * $72,800 $546 $1,820 $893 $35,720 25,359 $21,840 $17.17 $13.35 2.2 1.3 $694 2.2 1.8 $484 $17.17 Clinton County * 2,158 $72,800 $546 $1,820 $893 $35,720 27% $21,840 $9.31 $25,200 1.2 1.6 $10.21 $12.12 $18,810 32% $531 $630 $1,568 $470 $62,700 9,431 Cole County $8.98 1.6 1.3 $467 29% $25,200 $630 $1,453 $436 $58,100 1,909 Cooper County $17,430 $12.12 $12.83 $9.54 1.7 1.3 $496 Crawford County $347 $1,158 $667 $26,680 26% $13,890 2,458 $46,300 21% Dade County $45,300 $340 $1,133 $630 $25,200 659 $13,590 $12.12 $7.89 1.6 1.5 $410 $335 Dallas County 1,316 $45,600 $342 $1,140 $630 $25,200 21% $13,680 $12.12 $6.45 1.6 1.9 $15,870 $630 $52,900 $397 $1,323 $25,200 23% 715 $12.12 $7.90 1.6 1.5 $411 Daviess County $408 1,304 $60,100 $451 $1,503 $699 $27,960 35% $18,030 $13.44 $7.84 1.8 1.7 DeKalb County 28% $13,050 $12.52 $6.62 1.6 $43,500 1.9 $344 Dent County $326 $1,088 $651 $26,040 1,677 Douglas County 1,194 $39,300 $295 $983 $630 $25,200 23% $11,790 $12.12 $8.77 1.6 1.4 $456 $400 38% 4,787 $39,500 $296 $988 $25,200 $11,850 Dunklin County 1.6 1.6 $7.69 $12.12 $630 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. * 50th FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom percentile FMR (See Appendix A). 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 132

139 Missouri RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at ren rent t n renter mea nec essary to needed Monthly rent Renter % of total rly mean min hou imum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford Annual 2 BR hou hou affordable seholds seholds needed to afford renter wage at mean at 30% 3 2 5 4 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage $33,600 25% Franklin County $21,090 $527 $16.15 $11.01 $1,758 2.1 $840 9,739 1.5 $572 $70,300 $358 24% $25,200 $630 $1,350 $405 $54,000 1,512 $16,200 Gasconade County $12.12 $6.88 1.6 1.8 $25,200 $458 694 $49,000 $368 $1,225 $630 Gentry County 25% $14,700 $12.12 $8.81 1.6 1.4 $686 $408 $16,320 $13.19 $11.55 1.7 1.1 $600 $54,400 $27,440 47,596 Greene County $1,360 41% 31% Grundy County $48,200 $362 $1,205 $630 $25,200 1,297 $14,460 $12.12 $8.74 1.6 1.4 $454 $404 Harrison County 957 $45,900 $344 $1,148 $651 $26,040 27% $13,770 $12.52 $7.77 1.6 1.6 $15,510 $685 $51,700 $388 $1,293 $27,400 27% 2,607 $13.17 $11.03 1.7 1.2 $574 Henry County $353 698 $37,400 $281 $935 $630 $25,200 17% $11,220 $12.12 $6.79 1.6 1.8 Hickory County $16,500 $12.12 $9.20 1.6 1.3 $413 $478 Holt County $55,000 646 $630 $25,200 30% $1,375 899 $55,600 $417 $1,390 $630 $25,200 24% $16,680 $12.12 $5.95 1.6 2.0 $309 Howard County 32% $407 $42,300 $317 $1,058 $630 $25,200 5,109 $12,690 $12.12 $7.82 1.6 1.5 Howell County $12.94 Iron County 1,209 $45,200 $339 $1,130 $630 $25,200 29% $13,560 $12.12 1.6 0.9 $673 $783 Jackson County * 108,115 $72,800 $546 $1,820 $893 $35,720 40% $21,840 $17.17 $15.05 2.2 1.1 35% Jasper County $51,700 $388 $1,293 $667 $26,680 15,885 $15,510 $12.83 $11.59 1.7 1.1 $602 $70,300 Jefferson County $527 $1,758 $840 $33,600 18% 14,826 $21,090 $16.15 $8.76 2.1 1.8 $455 39% 7,821 $60,200 $452 $1,505 $722 $28,880 Johnson County $13.88 $7.89 1.8 1.8 $410 $18,060 Knox County 440 $45,200 $339 $1,130 $630 $25,200 25% $13,560 $12.12 $7.56 1.6 1.6 $393 30% Laclede County $45,000 $338 $1,125 $630 $25,200 4,066 $13,500 $12.12 $9.28 1.6 1.3 $482 2.2 2.2 $407 $17.17 Lafayette County * 3,040 $72,800 $546 $1,820 $893 $35,720 23% $21,840 $7.83 $25,200 1.2 1.6 $10.21 $12.12 $14,760 29% $531 $630 $1,230 $369 $49,200 4,210 Lawrence County $8.41 1.6 1.4 $437 27% $25,200 $630 $1,258 $377 $50,300 1,044 Lewis County $15,090 $12.12 $16.15 $8.43 2.1 1.9 $438 Lincoln County $527 $1,758 $840 $33,600 22% $21,090 4,115 $70,300 25% Linn County $48,600 $365 $1,215 $630 $25,200 1,189 $14,580 $12.12 $8.66 1.6 1.4 $450 $466 Livingston County 1,660 $56,100 $421 $1,403 $630 $25,200 29% $16,830 $12.12 $8.95 1.6 1.4 $13,920 $630 $46,400 $348 $1,160 $25,200 30% 2,426 $12.12 $9.75 1.6 1.2 $507 McDonald County $414 1,593 $51,700 $388 $1,293 $630 $25,200 26% $15,510 $12.12 $7.95 1.6 1.5 Macon County 24% $12,240 $13.33 $7.97 1.7 $40,800 1.7 $415 Madison County $306 $1,020 $693 $27,720 1,100 Maries County 936 $56,800 $426 $1,420 $630 $25,200 25% $17,040 $12.12 $8.17 1.6 1.5 $425 $528 33% 3,710 $54,200 $407 $1,355 $25,360 $16,260 Marion County 1.2 1.6 $10.14 $12.19 $634 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. * 50th FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom percentile FMR (See Appendix A). 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 133

140 Missouri RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,260 Mercer County $636 $25,440 26% 398 $12.23 $50,400 $9.36 1.6 1.3 $487 $378 $15,120 $12.62 $475 1.4 1.6 $9.14 Miller County $13,830 22% $26,240 $656 $1,153 $346 $46,100 2,146 38% Mississippi County $39,800 $299 $995 $673 $26,920 1,971 $11,940 $12.94 $9.45 1.7 1.4 $491 $358 1,445 Moniteau County 1.6 $6.88 $12.12 $18,240 26% $25,200 $630 $1,520 $456 $60,800 1.8 $10.38 $54,500 $630 $25,200 25% $16,350 $12.12 $1,363 1.6 1.2 $540 $409 Monroe County 880 $372 Montgomery County 1,221 $376 1.7 1.6 $7.23 $12.37 $14,880 25% $25,720 $643 $1,240 $49,600 $482 Morgan County 1.4 1.6 $9.26 $12.60 $13,860 22% $655 $1,155 $347 $46,200 $26,200 1,773 New Madrid County $46,700 $350 $1,168 $630 $25,200 2,840 $14,010 $12.12 $11.55 1.6 1.0 $600 39% $9.76 1.7 1.3 $507 $388 $667 $51,700 5,778 Newton County $26,680 26% $15,510 $1,293 $12.83 $434 $1,448 $651 $26,040 45% $17,370 $12.52 $9.04 1.6 1.4 $470 Nodaway County 3,889 $57,900 23% $322 $37,800 $284 $945 $630 $25,200 1,036 $11,340 $12.12 $6.20 1.6 2.0 Oregon County $380 Osage County 910 $62,700 $470 $1,568 $630 $25,200 18% $18,810 $12.12 $7.31 1.6 1.7 $312 936 Ozark County $38,900 $292 $973 $630 $25,200 22% $11,670 $12.12 $5.99 1.6 2.0 45% Pemiscot County $39,200 $294 $980 $630 $25,200 3,078 $11,760 $12.12 $8.67 1.6 1.4 $451 $1,505 Perry County 1,681 $60,200 $668 $26,720 23% $452 $18,060 $12.85 $8.78 1.7 1.5 $457 31% $378 5,086 Pettis County $1,260 $710 $28,400 $50,400 $15,120 $13.65 1.8 1.6 $456 $8.78 $55,400 $416 $1,385 $698 $27,920 39% $16,620 $13.42 $9.07 1.8 1.5 $472 Phelps County 6,488 27% Pike County $53,400 $401 $1,335 $630 $25,200 1,817 $16,020 $12.12 $8.82 1.6 1.4 $459 2.2 1.4 $641 $17.17 Platte County * 13,093 $72,800 $546 $1,820 $893 $35,720 36% $21,840 $12.32 $25,200 1.4 1.6 $8.43 $12.12 $15,150 33% $438 $630 $1,263 $379 $50,500 3,860 Polk County $10.68 2.1 1.5 $556 48% $33,040 $826 $1,460 $438 $58,400 7,379 Pulaski County $17,520 $15.88 635 $25,200 28% $13,650 $12.12 $7.02 1.6 1.7 $365 $45,500 $630 Putnam County $341 $1,138 19% Ralls County $56,400 $423 $1,410 $670 $26,800 759 $16,920 $12.88 $12.64 1.7 1.0 $657 $550 Randolph County 2,432 $49,100 $368 $1,228 $645 $25,800 28% $14,730 $12.40 $10.58 1.6 1.2 $21,840 $893 $72,800 $546 $1,820 $35,720 24% 2,083 $17.17 $8.31 2.2 2.1 $432 Ray County * $272 570 $40,700 $305 $1,018 $630 $25,200 21% $12,210 $12.12 $5.23 1.6 2.3 Reynolds County $12.12 $6.23 1.6 1.9 $324 $950 1,391 Ripley County $38,000 $630 $25,200 26% $11,400 $285 $70,300 $527 $1,758 $840 $33,600 20% $21,090 $16.15 $11.29 2.1 1.4 $587 St. Charles County 27,525 $356 22% 910 $43,400 $326 $1,085 $25,200 $13,020 St. Clair County 1.8 1.6 $6.85 $12.12 $630 Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. * 50th FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom percentile FMR (See Appendix A). 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 134

141 Missouri HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income t ren rent Estimated Full-time jobs at essary to nec Monthly rent mea n renter nee ded affordable affordable Renter % of total imum wage min hourly mean 1 afford 2 BR affordable wage needed to 30% to afford 2 BR Annual at mean at 30% seholds households hou needed to afford renter wage 4 5 2 3 at AMI afford 2 BR FMR of AMI 2 BR FMR FMR AMI renter wage of AMI (2010-2014) (2010-2014) 2 BR FMR (2016) 18% $425 1,332 $17,010 $1,418 $12.46 $10.34 Ste. Genevieve County $648 $56,700 $538 1.2 $25,920 1.6 $12,930 34% $442 1.4 $630 $1,078 $323 $43,100 8,372 St. Francois County $25,200 1.6 $8.51 $12.12 $33,600 $784 117,724 $70,300 $527 $1,758 $840 St. Louis County 29% $21,090 $16.15 $15.08 2.1 1.1 $630 $360 $14,400 $12.12 $9.43 1.6 $25,200 1.3 $491 33% $48,000 2,882 Saline County $1,200 27% Schuyler County $46,500 $349 $1,163 $630 $25,200 469 $13,950 $12.12 $9.48 1.6 1.3 $493 1.7 $375 1.6 $7.21 $12.12 $15,180 25% Scotland County $630 $1,265 $380 $50,600 474 $25,200 $486 4,898 $50,000 $375 $1,250 $635 Scott County 32% $15,000 $12.21 $9.35 1.6 1.3 $25,400 $12,750 22% $25,200 $630 $1,063 $319 $42,500 741 Shannon County $298 1.6 $12.12 2.1 $5.73 Shelby County 682 $49,500 $371 $1,238 $630 $25,200 27% $14,850 $12.12 $7.96 1.6 1.5 $414 $25,200 $545 3,433 $50,900 $382 $1,273 $630 Stoddard County 28% $15,270 $12.12 $10.48 1.6 1.2 $435 $50,800 Stone County 2,675 $381 $1,270 $759 $30,360 20% $15,240 $14.60 $8.37 1.9 1.7 31% $595 $46,000 $345 $1,150 $707 $28,280 812 $13,800 $13.60 $11.45 1.8 1.2 Sullivan County 1.4 Taney County 7,973 $48,000 $360 $1,200 $677 $27,080 39% $14,400 $13.02 $9.48 1.7 $493 $361 Texas County 2,318 $46,400 $348 $1,160 $630 $25,200 25% $13,920 $12.12 $6.94 1.6 1.7 Vernon County 31% $14,790 $13.50 $10.27 1.8 1.3 $534 $28,080 $702 $1,233 $370 $49,300 2,494 $21,090 Warren County $527 $1,758 $840 $33,600 21% $70,300 $16.15 $8.42 2.1 1.9 $438 2,547 Washington County 2,006 $42,200 $317 $1,055 $630 $25,200 22% $12,660 $12.12 $6.78 1.6 1.8 $352 $296 Wayne County 1,303 $40,500 $304 $1,013 $630 $25,200 24% 2.1 1.6 $5.69 $12.12 $12,150 3,283 26% $410 1.7 1.7 $7.88 $13.19 Webster County $16,320 $54,400 $408 $1,360 $686 $27,440 226 Worth County $50,300 $377 $1,258 $630 $25,200 25% $15,090 $12.12 $5.47 1.6 2.2 $285 1,962 $11,490 $484 1.3 1.6 $9.31 $12.12 Wright County 27% $25,200 $630 $958 $287 $38,300 56% St. Louis city $70,300 $527 $1,758 $840 $33,600 $942 $21,090 $16.15 $18.11 2.1 0.9 77,867 1: BR = Bedroom Sullivan City (part of Crawford County) is not included due to a lack of sufficient data. * 50th FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = percentile FMR (See Appendix A). 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 135 OUT OF REACH 2016 •

142 S TAT E MONTANA RANKING . In order to $759 In Montana, the Fair Market Rent (FMR) for a two-bedroom apartment is * 40 afford this level of rent and utilities — without paying more than 30% of income on housing — $30,361 monthly or $2,530 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.60 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Missoula County Minimum Wage $8.05 $17.02 $11.23 Lewis and Clark County Average Renter Wage $16.54 2-Bedroom Housing Wage Jefferson County $15.87 $14.60 131,596 Number of Renter Households $15.58 Park County Percent Renters 32% $15.35 Broadwater County $759 Two bedroom FMR 73 $1,536 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $584 renter wage ––––––––––––– $461 Rent affordable at 30% of AMI Rent affordable with full-time job paying $419 min wage 1.8 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 136 OUT OF REACH 2016

143 Montana HOUSING COSTS RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter Monthly rent % of total hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR 30% households affordable households needed to afford renter wage at 30% at mean 3 5 4 2 afford 2 BR FMR 2 BR FMR FMR AMI of AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR renter wage of AMI Montana 1.8 $759 $18,428 $30,361 32% $14.60 $11.23 $1,536 1.3 $584 $461 $61,427 131,596 Combined Nonmetro Areas $14.02 80,410 $450 $17,993 $729 $59,978 $1,499 $577 1.3 1.7 $11.09 $29,154 31% Metropolitan Areas Billings HMFA 1.2 20,331 $12.56 $14.90 $20,790 31% $31,000 $653 1.9 $1,733 $520 $69,300 $775 77 1.5 1.6 $8.73 $12.65 $15,690 $454 $26,320 $658 $1,308 $392 $52,300 Golden Valley County HMFA 24% $10.87 1.8 1.3 $565 12,020 $29,520 $738 $1,430 $429 $57,200 Great Falls MSA 36% $17,160 $14.19 41% Missoula MSA $61,600 $462 $1,540 $885 $35,400 $18,480 $17.02 $10.05 2.1 1.7 $523 18,758 Counties 35% 1.3 1.6 $9.48 $12.65 $16,710 $493 1,459 $26,320 $658 $1,393 $418 $55,700 Beaverhead County Big Horn County 1,275 $48,200 $362 $1,205 $658 $26,320 36% $14,460 $12.65 $14.87 1.6 0.9 $773 $658 1.5 $8.25 $12.65 $12,870 36% $26,320 1.6 $1,073 $322 $42,900 811 Blaine County $429 1.7 Broadwater County 514 $50,700 $380 $1,268 $798 $31,920 21% $15,210 $15.35 $8.98 1.9 $467 $31,000 1.9 1.4 $10.65 $14.90 $20,790 23% $554 $775 $1,733 $520 $69,300 983 Carbon County 1.6 $12.65 $18,480 17% $26,320 $1,540 $462 $61,600 84 Carter County 1.2 $10.89 $566 $658 1.3 $565 $17,160 36% $29,520 $738 $14.19 $1,430 $429 $57,200 12,020 Cascade County $10.87 1.8 37% $482 $51,400 $386 $1,285 $658 $26,320 851 $15,420 $12.65 $9.26 1.6 1.4 Chouteau County 31% Custer County 1,520 $60,100 $451 $1,503 $658 $26,320 $18,030 $12.65 $11.21 1.6 1.1 $583 $587 1.1 1.6 $11.28 $12.65 $18,480 22% $26,320 $658 $1,540 $462 $61,600 197 Daniels County 31% $526 $65,200 $489 $1,630 $658 $26,320 1,189 $19,560 $12.65 $10.12 1.6 1.2 Dawson County 1.6 Deer Lodge County 1,057 $51,000 $383 $1,275 $658 $26,320 27% $15,300 $12.65 $8.14 1.6 $423 $20,490 $12.65 $19.01 1.6 0.7 $989 Fallon County 347 $68,300 $512 $1,708 $658 $26,320 29% 27% $16,170 $12.89 1.6 1.0 $670 $12.65 Fergus County 1,352 $53,900 $404 $1,348 $658 $26,320 30% Flathead County $60,400 $453 $1,510 $755 $30,200 11,088 $18,120 $576 1.3 1.8 $11.08 $14.52 39% $31,520 $788 $1,855 $557 $74,200 14,508 Gallatin County $572 1.4 1.9 $10.99 $15.15 $22,260 $532 102 $61,000 $458 $1,525 $658 Garfield County 23% $18,300 $12.65 $10.23 1.6 1.2 $26,320 1.1 $11.59 $12.65 $11,310 41% $26,320 $658 $943 $283 $37,700 1,705 Glacier County $603 1.6 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 137

144 Montana RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Annual income Hourly wage Full-time jobs at Estimated Full-time jobs at t ren rent nee ded nec essary to Monthly rent n renter mea Renter % of total hou imum wage min rly mean affordable affordable 1 afford 2 BR Annual 2 BR to afford wage needed to affordable seholds hou seholds hou 30% renter wage needed to afford at 30% at mean 4 3 5 2 I AM 2 BR FMR FMR FMR at AMI (2010-2014) (2010-2014) afford 2 BR of AMI 2 BR FMR (2016) renter wage of AMI $1,308 Golden Valley County $658 $26,320 24% 77 $12.65 $52,300 $8.73 1.6 1.5 $454 $392 $15,690 $14.13 $524 1.4 1.8 $10.08 Granite County $17,820 26% $29,400 $735 $1,485 $446 $59,400 359 32% Hill County $57,100 $428 $1,428 $658 $26,320 1,981 $17,130 $12.65 $8.23 1.6 1.5 $428 $472 713 Jefferson County 2.0 $9.08 $15.87 $23,550 16% $33,000 $825 $1,963 $589 $78,500 1.7 $12.80 $56,500 $658 $26,320 26% $16,950 $12.65 $1,413 1.6 1.0 $666 $424 Judith Basin County 234 $386 Lake County 3,543 $568 1.2 1.6 $10.92 $12.65 $15,450 30% $26,320 $658 $1,288 $51,500 $561 Lewis and Clark County 1.5 2.1 $10.78 $16.54 $20,250 28% $860 $1,688 $506 $67,500 $34,400 7,549 Liberty County $60,000 $450 $1,500 $658 $26,320 284 $18,000 $12.65 $10.92 1.6 1.2 $568 34% $10.27 1.6 1.2 $534 $340 $658 $45,300 1,944 Lincoln County $26,320 22% $13,590 $1,133 $12.65 $457 $1,523 $658 $26,320 19% $18,270 $12.65 $15.50 1.6 0.8 $806 McCone County 146 $60,900 25% $559 $63,300 $475 $1,583 $736 $29,440 856 $18,990 $14.15 $10.76 1.8 1.3 Madison County $537 Meagher County 202 $48,900 $367 $1,223 $658 $26,320 25% $14,670 $12.65 $10.33 1.6 1.2 $454 387 Mineral County $46,500 $349 $1,163 $658 $26,320 24% $13,950 $12.65 $8.74 1.6 1.4 41% Missoula County $61,600 $462 $1,540 $885 $35,400 18,758 $18,480 $17.02 $10.05 2.1 1.7 $523 $1,518 Musselshell County 505 $60,700 $678 $27,120 26% $455 $18,210 $13.04 $14.06 1.6 0.9 $731 25% $439 1,644 Park County $1,463 $810 $32,400 $58,500 $17,550 $15.58 1.9 1.4 $562 $10.80 $431 $1,438 $719 $28,760 25% $17,250 $13.83 1.7 Petroleum County † 55 $57,500 25% Phillips County $56,200 $422 $1,405 $658 $26,320 449 $16,860 $12.65 $8.16 1.6 1.6 $424 1.2 $528 $16,230 $10.15 1.6 Pondera County 722 $54,100 $406 $1,353 $658 $26,320 31% $12.65 $26,880 1.2 1.6 $10.43 $12.92 $17,310 30% $542 $672 $1,443 $433 $57,700 228 Powder River County $12.65 $13.20 1.6 1.0 $686 $26,320 $658 $1,265 $380 $50,600 708 Powell County 30% $15,180 Prairie County 69 13% $12,840 $12.65 $6.20 1.6 2.0 $322 $42,800 $658 $26,320 $321 $1,070 29% Ravalli County $52,600 $395 $1,315 $733 $29,320 4,823 $15,780 $14.10 $9.71 1.8 1.5 $505 $815 Richland County 1,396 $74,000 $555 $1,850 $658 $26,320 33% $22,200 $12.65 $15.68 1.6 0.8 $15,300 $658 $51,000 $383 $1,275 $26,320 40% 1,267 $12.65 $11.30 1.6 1.1 $588 Roosevelt County $807 1,084 $61,800 $464 $1,545 $658 $26,320 33% $18,540 $12.65 $15.53 1.6 0.8 Rosebud County $12.65 $10.71 1.6 1.2 $557 $1,018 1,293 Sanders County $40,700 $658 $26,320 25% $12,210 $305 $70,600 $530 $1,765 $658 $26,320 27% $21,180 $12.65 $12.49 1.6 1.0 $649 Sheridan County 431 $473 36% 5,497 $55,100 $413 $1,378 $699 Silver Bow County 1.5 1.7 $9.10 $13.44 $16,530 $27,960 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 138 OUT OF REACH 2016 •

145 Montana RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at rent rent nece need ed ssary to mean % of total Renter renter Monthly rent minimum wage rly mean hou affordable affordable 1 Annual 2 BR to afford afford 2 BR eholds seholds hous affordable wage needed to hou 30% needed to afford renter wage at mean at 30% 4 3 5 2 AMI 2 BR FMR FM R FMR (2010-2014) (2010-2014) afford 2 BR at AMI MI of A (2016) 2 BR FMR of AMI renter wage $1,780 $700 $28,000 21% $21,360 790 $20.97 1.7 0.6 $1,090 Stillwater County $13.46 $71,200 $534 $18,000 $1,500 $683 $27,320 27% $739 $13.13 $14.21 1.6 0.9 Sweet Grass County 376 $60,000 $450 1.5 $13.27 $16,680 24% $27,600 $690 $1,390 $9.15 $417 $55,600 558 Teton County $476 1.6 $16,410 39% $26,320 $658 $1,368 $410 $54,700 785 Toole County 1.2 1.6 $10.76 $559 $12.65 $677 1.8 Treasure County 119 $48,500 $364 $1,213 $754 $30,160 35% $14,550 $14.50 $13.01 1.1 $26,320 1.4 938 $60,200 $452 $1,505 $658 Valley County 29% $18,060 $12.65 $8.98 1.6 $467 296 $44,700 $335 $1,118 $658 $26,320 33% $13,410 $12.65 $13.81 1.6 0.9 $718 Wheatland County $658 $26,320 $69,100 $518 27% $1,728 Wibaux County 120 $638 1.0 1.6 $12.27 $12.65 $20,730 Yellowstone County $775 $1,733 $520 $69,300 19,348 $656 1.2 1.9 $12.61 $14.90 $20,790 32% $31,000 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 139 OUT OF REACH 2016 •

146 S TAT E NEBRASKA RANKING * . In order to $751 In Nebraska, the Fair Market Rent (FMR) for a two-bedroom apartment is 42 afford this level of rent and utilities — without paying more than 30% of income on housing — $30,058 monthly or $2,505 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.45 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Cass County Minimum Wage $9.00 $16.08 $11.59 Douglas County Average Renter Wage $16.08 2-Bedroom Housing Wage Sarpy County $16.08 $14.45 245,311 Number of Renter Households $16.08 Washington County Percent Renters 34% $15.90 Hooker County $751 Two bedroom FMR 64 $1,671 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $603 renter wage ––––––––––––– $501 Rent affordable at 30% of AMI Rent affordable with full-time job paying $468 min wage 1.6 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 140 OUT OF REACH 2016

147 Nebraska HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% Annual 2 BR to afford households households affordable needed to afford renter wage at mean at 30% 5 4 2 3 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI Nebraska 1.6 245,311 $501 $603 $20,057 $11.59 $14.45 34% $66,857 $30,058 1.2 $751 $1,671 Combined Nonmetro Areas $549 80,653 $26,203 $18,162 $60,539 $1,513 $454 1.2 1.4 $10.56 $655 $12.60 29% Metropolitan Areas $13.08 $438 $58,400 $680 $27,200 36% $17,520 $1,460 $11.31 Hall County HMFA 1.5 1.2 $588 8,092 $19,020 Hamilton County HMFA $63,400 $476 $1,585 $631 $25,240 20% $12.13 $10.23 1.3 1.2 $532 720 $12.13 Howard County HMFA $1,670 $631 $25,240 24% $20,040 $501 $6.76 1.3 1.8 $351 625 $66,800 $528 $70,400 $1,760 $762 $30,480 41% $21,120 $14.65 $10.68 1.6 1.4 $555 47,252 Lincoln HMFA $57,700 Merrick County HMFA $433 $1,443 $631 $25,240 27% $17,310 $12.13 $10.19 1.3 1.2 $530 907 $16.08 Omaha-Council Bluffs HMFA $1,803 $836 $33,440 35% $21,630 $541 $12.75 $72,100 1.8 1.3 $663 100,563 1,734 $572 Saunders County HMFA $76,200 $1,905 $720 $28,800 21% $22,860 $13.85 $9.16 1.5 1.5 $476 $12.13 27% $572 $1,908 $631 $25,240 $22,890 $76,300 $10.27 1.3 1.2 $534 1,664 Seward County HMFA 32% Sioux City HMFA $58,900 $442 $1,473 $711 $28,440 3,101 $17,670 $13.67 $10.29 1.5 1.3 $535 Counties $647 $9.43 $12.44 $20,100 29% $25,880 1.4 $1,675 $503 $67,000 3,676 Adams County $490 1.3 $25,240 24% $16,830 $12.13 $8.93 691 1.3 1.4 $464 Antelope County $56,100 $421 $1,403 $631 Arthur County † 75 $375 $1,250 $782 $31,280 40% $15,000 $15.04 1.7 $50,000 $26,120 Banner County † $398 $1,328 $653 $53,100 32% $15,930 $12.56 1.4 98 Blaine County † 120 $46,800 $351 $1,170 $662 $26,480 48% $14,040 $12.73 1.4 21% Boone County $60,800 $456 $1,520 $631 $25,240 470 $18,240 $12.13 $674 0.9 1.3 $12.96 $18,030 36% $25,240 $631 $8.50 $451 $60,100 1,732 Box Butte County $442 1.4 1.3 $12.13 $1,503 Boyd County $52,600 $395 $1,315 $631 $25,240 195 $15,780 $12.13 $7.70 1.3 1.6 $400 21% Brown County 497 $45,800 $344 $1,145 $662 $26,480 33% $13,740 $12.73 $8.55 1.4 1.5 $444 36% Buffalo County $68,800 $516 $1,720 $684 $27,360 6,448 $20,640 $13.15 $9.93 1.5 1.3 $516 $12.50 $19,230 23% $26,000 $650 $1,603 $481 1.4 $64,100 657 Burt County $438 $8.43 1.5 $20,070 $12.13 $12.66 1.3 1.0 $658 Butler County 835 $66,900 $502 $1,673 $631 $25,240 23% 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 141

148 Nebraska HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent sary to neces renter mean needed Renter % of total Monthly rent affordable affordable um wage minim ly mean hour 1 wage needed to afford 2 BR 30% 2 BR to afford Annual house rdable holds affo eholds hous renter wage needed to afford at 30% at mean 5 3 2 4 afford 2 BR FMR MI of A AMI FMR 2 BR FMR (2010-2014) (2010-2014) at AMI renter wage of AMI (2016) 2 BR FMR $21,630 $541 1,905 $1,803 $16.08 $9.27 $836 $72,100 Cass County $33,440 $482 1.7 20% 1.8 19% $440 1.4 $631 $1,503 $451 $60,100 1.3 677 Cedar County $25,240 $8.46 $12.13 $18,030 $25,240 $528 380 $53,200 $399 $1,330 $631 Chase County 22% $15,960 $12.13 $10.15 1.3 1.2 $25,240 $1,390 $12.13 $8.25 1.3 1.5 $429 $417 36% $55,600 930 Cherry County $631 $16,680 33% Cheyenne County $66,200 $497 $1,655 $631 $25,240 1,450 $19,860 $12.13 $15.23 1.3 0.8 $792 $610 Clay County 601 $56,200 $422 $1,405 $631 $25,240 23% $16,860 $12.13 $11.73 1.3 1.0 $19,050 $646 $63,500 $476 $1,588 $25,840 26% 942 $12.42 $12.33 1.4 1.0 $641 Colfax County $565 1,186 $60,200 $452 $1,505 $631 $25,240 31% $18,060 $12.13 $10.86 1.3 1.1 Cuming County $12.13 $12.80 1.3 0.9 $666 $1,440 1,265 Custer County $432 $57,600 $25,240 27% $17,280 $631 $58,900 $442 $1,473 $711 $28,440 35% $17,670 $13.67 $10.29 1.5 1.3 $535 Dakota County 2,552 37% $338 $64,600 $485 $1,615 $635 $25,400 1,374 $19,380 $12.21 $6.51 1.4 1.9 Dawes County 1.4 Dawson County 2,761 $54,600 $410 $1,365 $645 $25,800 32% $16,380 $12.40 $10.93 1.1 $568 $579 Deuel County 199 $60,000 $450 $1,500 $631 $25,240 24% $18,000 $12.13 $11.13 1.3 1.1 23% Dixon County $58,900 $442 $1,473 $711 $28,440 549 $17,670 $13.67 $10.34 1.5 1.3 $538 $446 Dodge County 5,066 $1,485 $718 $28,720 33% $59,400 $17,820 $13.81 $10.46 1.5 1.3 $544 38% $72,100 Douglas County $541 $1,803 $836 $33,440 78,745 $21,630 $13.15 1.8 1.2 $684 $16.08 312 $53,300 $400 $1,333 $631 $25,240 35% $15,990 $12.13 $12.63 1.3 1.0 $657 Dundy County 24% Fillmore County $62,500 $469 $1,563 $631 $25,240 575 $18,750 $12.13 $12.80 1.3 0.9 $666 1.2 $510 $17,520 $9.81 1.3 Franklin County 235 $58,400 $438 $1,460 $631 $25,240 17% $12.13 $26,360 1.0 1.4 $12.39 $12.67 $18,060 25% $644 $659 $1,505 $452 $60,200 265 Frontier County $12.13 $10.51 1.3 1.2 $547 $25,240 $631 $1,320 $396 $52,800 585 Furnas County 26% $15,840 $500 Gage County 2,537 $1,578 $647 $25,880 28% $18,930 $12.44 $9.62 1.4 1.3 $63,100 $473 21% Garden County $53,500 $401 $1,338 $631 $25,240 182 $16,050 $12.13 $10.11 1.3 1.2 $526 $311 Garfield County 210 $51,200 $384 $1,280 $669 $26,760 24% $15,360 $12.87 $5.98 1.4 2.1 $18,030 $631 $60,100 $451 $1,503 $25,240 25% 187 $12.13 $15.36 1.3 0.8 $799 Gosper County $729 86 $47,100 $353 $1,178 $631 $25,240 32% $14,130 $12.13 $14.02 1.3 0.9 Grant County $17,220 $12.13 $12.57 1.3 1.0 $431 $654 Greeley County 205 $1,435 $631 $25,240 20% $57,400 8,092 $58,400 $438 $1,460 $680 $27,200 36% $17,520 $13.08 $11.31 1.5 1.2 $588 Hall County $532 20% 720 $63,400 $476 $1,585 $631 Hamilton County 1.2 1.3 $10.23 $12.13 $19,020 $25,240 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 142 OUT OF REACH 2016 •

149 Nebraska RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent rent n renter mea necessary to needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual households affordable 30% households renter wage needed to afford at mean at 30% 3 4 2 5 afford 2 BR FMR 2 BR FMR FMR I AM (2010-2014) (2010-2014) of AMI at AMI 2 BR FMR (2016) of AMI renter wage $1,423 $631 Harlan County $25,240 21% 325 $56,900 $12.13 $7.07 1.3 1.7 $427 $368 $17,070 $722 0.9 1.4 $12.90 $13.89 Hayes County $17,280 31% $26,840 $671 $1,440 $432 $57,600 142 $25,240 $612 366 $58,400 $438 $1,460 $631 Hitchcock County 27% $17,520 $12.13 $11.77 1.3 1.0 $25,240 $579 26% $452 $60,200 1,144 Holt County $1,505 $12.13 $11.14 1.3 1.1 $631 $18,060 $13,050 $413 $326 $1,088 $827 $33,080 19% $43,500 $15.90 $7.95 1.8 2.0 Hooker County 59 Howard County 1.8 1.3 $6.76 $12.13 $20,040 24% $25,240 $631 $1,670 $501 $66,800 625 $351 1.2 1.3 $9.80 $12.13 $17,610 22% $631 $1,468 $440 $58,700 718 Jefferson County $510 $25,240 1.3 $541 $12.13 $16,620 27% $25,240 $631 1.2 $1,385 $416 $55,400 522 Johnson County $10.41 $29,040 $601 1.6 $11.55 $13.96 $19,200 29% 1.2 $726 $1,600 $480 765 Kearney County $64,000 $9.78 1.3 1.2 $508 Keith County 1,159 $59,600 $447 $1,490 $631 $25,240 31% $17,880 $12.13 $25,240 Keya Paha County † $45,400 $341 $1,135 $631 90 24% $13,620 $12.13 1.3 33% Kimball County 544 $53,700 $403 $1,343 $681 $27,240 $13.10 $16,110 $18.53 1.5 0.7 $964 $8.98 Knox County $55,700 $418 $467 1.4 1.3 971 $12.13 $16,710 26% $25,240 $631 $1,393 $70,400 $555 Lancaster County 1.4 1.6 $10.68 $14.65 $21,120 41% $30,480 $762 $1,760 $528 47,252 Lincoln County 4,946 $64,100 $481 $1,603 $686 $27,440 33% $19,230 $13.19 $10.90 1.5 1.2 $567 31% $452 $54,200 $407 $1,355 $631 $25,240 99 $16,260 $12.13 $8.69 1.3 1.4 Logan County 22% $13,200 $12.13 1.3 Loup County † 53 $44,000 $330 $1,100 $631 $25,240 $631 McPherson County † $59,500 $446 $1,488 59 $25,240 31% $17,850 $12.13 1.3 1.4 $500 Madison County 5,048 $60,100 $451 $9.61 $12.75 1.3 36% $26,520 $663 $1,503 $18,030 $530 1.3 $10.19 $12.13 $17,310 27% 1.2 $631 $1,443 $433 $57,700 907 Merrick County $25,240 $15,510 $12.13 $11.24 1.3 1.1 Morrill County 633 $51,700 $388 $1,293 $631 $25,240 31% $584 $12.13 361 $1,395 $631 $25,240 23% $16,740 $419 $8.56 1.3 Nance County 1.4 $445 $55,800 Nemaha County 882 $70,300 $527 $1,758 $631 $25,240 30% $21,090 $12.13 $8.35 1.3 1.5 $434 $511 1.2 1.3 $9.83 $12.13 $16,050 26% $25,240 $631 $1,338 $401 $53,500 529 Nuckolls County 1.3 1.3 $477 $9.18 $12.13 $19,650 25% $25,240 $631 $1,638 $491 $65,500 1,627 Otoe County $593 1.3 Pawnee County 312 $50,500 $379 $1,263 $631 $25,240 24% $15,150 $12.13 $11.41 1.1 $25,240 1.2 276 $67,700 $508 $1,693 $631 Perkins County 22% $20,310 $12.13 $9.78 1.3 $509 $12.13 $12.26 1.3 1.0 $637 Phelps County 1,023 $67,600 $507 $1,690 $631 $25,240 27% $20,280 $597 21% 601 $63,800 $479 $1,595 $631 Pierce County 1.1 1.3 $11.49 $12.13 $19,140 $25,240 † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 143 OUT OF REACH 2016 •

150 Nebraska RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent rent n renter necessary to mea needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to 2 BR Annual to afford seholds hou households affordable 30% renter wage needed to afford at mean at 30% 2 4 3 5 FMR afford 2 BR FM AM I R 2 BR FMR (2010-2014) (2010-2014) at AMI of AMI 2 BR FMR (2016) of AMI renter wage Platte County $1,560 $631 $25,240 $62,400 3,555 $18,720 $12.13 $11.34 $468 1.3 1.1 $590 28% $580 $12.13 1.1 1.3 $11.15 Polk County $19,590 25% $25,240 $631 $1,633 $490 $65,300 563 $25,240 $511 1,288 $60,400 $453 $1,510 $631 Red Willow County 28% $18,120 $12.13 $9.83 1.3 1.2 $15,120 $1,260 $378 $50,400 932 Richardson County $25,240 $12.13 1.3 1.1 $561 $631 $10.78 25% 20% Rock County $57,100 $428 $1,428 $631 $25,240 141 $17,130 $12.13 $14.93 1.3 0.8 $776 1.2 $596 1.6 $11.47 $13.96 $16,350 34% Saline County $726 $1,363 $409 $54,500 1,761 $29,040 $580 18,336 $72,100 $541 $1,803 $836 Sarpy County 30% $21,630 $16.08 $11.15 1.8 1.4 $33,440 $22,860 21% $28,800 $720 $1,905 $572 $76,200 1,734 Saunders County $476 $9.16 $13.85 1.5 1.5 1.2 $556 Scotts Bluff County 4,532 $54,900 $412 $1,373 $680 $27,200 31% $16,470 $13.08 $10.69 1.5 $25,240 $534 1,664 $76,300 $572 $1,908 $631 Seward County 27% $22,890 $12.13 $10.27 1.3 1.2 1.5 717 Sheridan County $46,000 $345 $1,150 $631 $25,240 31% $13,800 $12.13 $415 $7.98 1.3 21% 1.3 $52,800 $396 $1,320 $631 $25,240 285 $15,840 $12.13 $10.39 Sherman County 1.2 $540 $12.13 Sioux County † 148 $58,300 $437 $1,458 $631 $25,240 27% $17,490 1.3 1.3 0.6 $1,136 Stanton County 395 $62,500 $469 $1,563 $631 $25,240 17% $18,750 $12.13 $21.85 $16,470 Thayer County $12.37 1.3 1.0 $643 507 $54,900 $412 $1,373 $631 $25,240 22% $12.13 $25,240 $19,500 1.3 1.0 $659 27% $12.13 $12.67 $631 $1,625 $488 $65,000 88 Thomas County Thurston County $12.13 $11.69 1.3 1.0 $608 741 $50,900 $382 $1,273 $631 $25,240 36% $15,270 27% $16,740 $12.13 $9.82 1.3 Valley County 519 $55,800 $419 $1,395 $631 $25,240 1.2 $510 20% Washington County $72,100 $541 $1,803 $836 $33,440 1,577 $21,630 $16.08 $10.72 1.8 1.5 $557 1.9 $340 1.3 $6.54 $12.13 $21,450 36% Wayne County $631 $1,788 $536 $71,500 1,283 $25,240 $429 360 $51,300 $385 $1,283 $631 Webster County 23% $15,390 $12.13 $8.26 1.3 1.5 $25,240 $16,320 23% $25,240 $631 $1,360 $408 $54,400 91 Wheeler County 1.3 $16.93 $12.13 $881 0.7 1.3 1.1 $593 York County 1,789 $65,600 $492 $1,640 $631 $25,240 32% $19,680 $12.13 $11.40 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 144

151 NEVADA S TAT E . In order to afford $950 In Nevada, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — a * annually. Assuming a 40-hour work week, 52 $37,987 monthly or $3,166 household must earn 21 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $18.26 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $8.25 Clark County $18.62 $15.34 Average Renter Wage $18.12 Douglas County $18.26 Storey County $17.90 2-Bedroom Housing Wage 446,047 Washoe County $17.90 Number of Renter Households Percent Renters 44% Churchill County $16.60 $950 Two bedroom FMR 89 $1,537 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $798 renter wage ––––––––––––– $461 Rent affordable at 30% of AMI Rent affordable with full-time job paying $429 min wage 2.2 $231 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 145 OUT OF REACH 2016

152 Nevada HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Monthly rent % of total Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 30% to afford 2 BR Annual households households affordable needed to afford renter wage at 30% at mean 5 3 4 2 afford 2 BR FMR of AMI 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI Nevada $15.34 $37,987 $950 $18,439 $18.26 446,047 $461 $798 $1,537 1.2 44% 2.2 $61,463 Combined Nonmetro Areas 1.9 $824 $32,955 30% $18,967 $63,222 $15.84 $15.87 $1,581 $825 1.0 30,790 $474 Metropolitan Areas $33,640 1.2 $1,640 $680 8,879 $13.07 2.0 $19,680 $16.17 $492 $65,600 Carson City MSA $841 42% $15.62 2.3 1.2 $812 335,738 $38,720 $968 $1,495 $449 $59,800 Las Vegas-Henderson-Paradise MSA 47% $17,940 $18.62 Reno MSA $731 70,640 1.3 2.2 $14.06 $17.90 $20,100 42% $37,240 $931 $1,675 $503 $67,000 Counties $34,520 3,743 $748 $62,600 $470 $1,565 $863 40% $18,780 $16.60 $14.38 2.0 1.2 Churchill County $968 1.2 $18.62 $17,940 47% Clark County $38,720 $15.62 $1,495 $449 $59,800 335,738 $812 2.3 $648 5,715 $69,400 $521 $1,735 $942 $37,680 29% $20,820 $18.12 $12.46 2.2 1.5 Douglas County 1.1 Elko County 5,072 $77,200 $579 $1,930 $856 $34,240 29% $23,160 $16.46 $15.13 2.0 $787 $397 $15,870 $26,320 $658 $1,323 40% $52,900 188 Esmeralda County † $12.65 1.5 Eureka County 0.5 1.9 $32.40 $1,685 $15.90 $29,130 32% $33,080 $827 $2,428 $728 $97,100 244 27% $780 $76,400 $573 $1,910 $827 $33,080 1,651 $22,920 $15.90 $15.01 1.9 1.1 Humboldt County $13.79 Lander County 425 $77,900 $584 $1,948 $717 $28,680 20% $23,370 $16.92 1.7 0.8 $880 $349 1.9 1.5 $6.70 $12.65 $15,030 35% $26,320 $658 $1,253 $376 $50,100 678 Lincoln County 28% $788 $54,300 $407 $1,358 $818 $32,720 5,543 $16,290 $15.73 $15.15 1.9 1.0 Lyon County 0.9 Mineral County 630 $62,800 $471 $1,570 $658 $26,320 33% $18,840 $12.65 $14.09 1.5 $733 $14,100 $13.98 $16.87 1.7 0.8 $877 Nye County 5,279 $47,000 $353 $1,175 $727 $29,080 30% 34% $17,310 $19.11 1.5 0.7 $994 $12.65 Pershing County 715 $57,700 $433 $1,443 $658 $26,320 7% Storey County $67,000 $503 $1,675 $931 $37,240 129 $20,100 $1,229 0.8 2.2 $23.63 $17.90 43% $37,240 $931 $1,675 $503 $67,000 70,511 Washoe County $717 1.3 2.2 $13.80 $17.90 $20,100 $1,009 907 $65,700 $493 $1,643 $786 White Pine County 27% $19,710 $15.12 $19.40 1.8 0.8 $31,440 1.2 $13.07 $16.17 $19,680 42% $33,640 $841 $1,640 $492 $65,600 8,879 Carson City $680 2.0 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 146

153 NEW HAMPSHIRE S TAT E . In $1,097 In New Hampshire, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING order to afford this level of rent and utilities — without paying more than 30% of income on * $43,865 monthly or $3,655 housing — a household must earn annually. Assuming a 40-hour 15 work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $21.09 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $7.25 Cheshire County $20.21 $14.08 $19.60 Average Renter Wage Merrimack County $21.09 Belknap County $18.75 2-Bedroom Housing Wage 150,420 Grafton County $18.56 Number of Renter Households Percent Renters 29% Carroll County $18.46 $1,097 Two bedroom FMR 116 $1,973 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $732 renter wage ––––––––––––– $592 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.9 $228 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 147 NATIONAL LOW INCOME HOUSING COALITION

154 New Hampshire AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Hourly wage Full-time Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford Annual 2 BR households households affordable renter wage needed to afford at 30% at mean 30% 5 3 4 2 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI of AMI New Hampshire $21.09 150,420 $592 $732 1.5 $23,673 $78,912 29% $43,865 $1,097 $1,973 2.9 $14.08 Combined Nonmetro Areas 55,648 $531 $21,221 $70,737 $657 $1,768 1.5 2.6 $12.64 $18.71 28% $38,924 $973 Metropolitan Areas 1,470 2.2 4.2 $14.01 $30.13 $29,430 $728 $62,680 $1,567 $2,453 $736 $98,100 Boston-Cambridge-Quincy HMFA 35% 2,465 $825 1.3 2.7 $15.87 $19.92 $25,410 19% $41,440 $1,036 $2,118 $635 $84,700 Hillsborough County HMFA $25,230 Lawrence HMFA $728 1.6 3.1 $14.01 $22.56 11,600 $84,100 $631 $2,103 $1,173 $46,920 22% 25,959 $825 1.4 3.1 $15.87 $22.33 $21,720 Manchester HMFA 42% $46,440 $1,161 $1,810 $543 $72,400 28% 22,614 $89,200 $669 $2,230 $1,230 $49,200 Nashua HMFA $23.65 $15.87 3.3 1.5 $825 $26,760 Portsmouth-Rochester HMFA $83,400 28,895 $714 1.5 2.9 $13.74 $21.29 $25,020 32% $44,280 $1,107 $2,085 $626 $26.08 $14.01 $30,540 1,769 $728 1.9 3.6 10% $54,240 $1,356 $2,545 $764 $101,800 Western Rockingham County HMFA Counties 25% $521 $69,400 6,285 Belknap County $39,000 $1,735 $20,820 $18.75 $11.37 2.6 1.6 $591 $975 4,342 Carroll County $18.46 $10.40 2.5 1.8 $541 $38,400 $960 $1,510 $453 $60,400 20% $18,120 $42,040 $585 9,060 $64,900 $487 $1,623 $1,051 Cheshire County 30% 1.8 2.8 $11.25 $20.21 $19,470 $27,360 $684 $1,380 $414 $55,200 4,275 Coos County $461 $8.87 1.8 1.5 $16,560 30% $13.15 $911 $1,768 $965 $38,600 32% $21,210 $530 $70,700 11,251 Grafton County $17.52 2.6 1.1 $18.56 28% $40,760 $1,019 $2,080 $624 $83,200 $11.38 15,977 Merrimack County 1.7 $592 $19.60 2.7 $24,960 $11.59 25% $67,700 $508 $1,693 $958 Sullivan County $603 1.6 2.5 $38,320 $18.42 $20,310 4,458 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 148 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

155 TOWNS WITHIN NEW HAMPSHIRE FMR AREAS Boston-Cambridge-Quincy, MA-NH HMFA ROCKINGHAM COUNTY Seabrook town, South Hampton town Hillsborough County, NH (part) HMFA HILLSBOROUGH COUNTY Antrim town, Bennington town, Deering town, Francestown town, Greenfield town, Hancock town, Hillsborough town, Lyndeborough town, New Boston town, Peterborough town, Sharon town, Temple town, Windsor town Lawrence, MA-NH HMFA ROCKINGHAM COUNTY Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow town, Raymond town, Salem town, Sandown town, Windham town Manchester, NH HMFA HILLSBOROUGH COUNTY Bedford town, Goffstown town, Manchester city, Weare town Nashua, NH HMFA HILLSBOROUGH COUNTY Amherst town, Brookline town, Greenville town, Hollis town, Hudson town, Litchfield town, Mason town, Merrimack town, Milford town, Mont Vernon town, Nashua city, New Ipswich town, Pelham town, Wilton town Portsmouth-Rochester, NH HMFA ROCKINGHAM COUNTY Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton Falls town, Hampton town, Kensington town, New Castle town, Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city, Rye town, Stratham town STRAFFORD COUNTY Barrington town, Dover city, Durham town, Farmington town, Lee town, Madbury town, Middleton town, Milton town, New Durham town, Rochester city, Rollinsford town, Somersworth city, Strafford town 149 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

156 Western Rockingham County, NH HMFA ROCKINGHAM COUNTY Auburn town, Candia town, Deerfield town, Londonderry town, Northwood town, Nottingham town This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. OUT OF REACH 2016 150 NATIONAL LOW INCOME HOUSING COALITION •

157 NEW JERSEY S TAT E . In order to $1,379 In New Jersey, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * $55,152 monthly or $4,596 a household must earn annually. Assuming a 40-hour work week, 6 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $26.52 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $8.38 Hunterdon County $30.35 $16.98 $30.35 Average Renter Wage Middlesex County $26.52 Somerset County $30.35 2-Bedroom Housing Wage 1,114,583 Hudson County $28.08 Number of Renter Households Percent Renters 35% Bergen County (tied with 1 other) $27.69 $1,379 Two bedroom FMR 127 $2,175 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $883 renter wage ––––––––––––– $652 Rent affordable at 30% of AMI Rent affordable with full-time job paying $436 min wage 3.2 $229 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 151 NATIONAL LOW INCOME HOUSING COALITION

158 New Jersey AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Hourly wage Full-time Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent Renter % of total minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR Annual 2 BR to afford households affordable households renter wage needed to afford at mean at 30% 30% 5 2 3 4 afford 2 BR FMR 2 BR FMR AMI FMR (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR of AMI renter wage of AMI New Jersey $26.52 1,114,583 $652 $883 1.6 $16.98 3.2 35% $55,152 $1,379 $2,175 $26,098 $86,994 Metropolitan Areas $46,080 $533 2.6 $10.26 $22.15 $18,660 32% 2.2 $1,152 $1,555 $467 $62,200 Atlantic City-Hammonton MSA 32,687 $879 1.6 3.3 $16.91 $27.69 $27,360 39% $57,600 $1,440 $2,280 $684 $91,200 Bergen-Passaic HMFA 192,546 $18,450 Jersey City HMFA $461 $1,538 $1,460 $58,400 68% $61,500 $28.08 $27.95 3.4 1.0 $1,453 167,429 30% 132,005 $1,055 1.5 3.6 $20.29 $30.35 Middlesex-Somerset-Hunterdon HMFA $63,120 $1,578 $2,595 $779 $103,800 $31,140 100,798 $90,900 $682 $2,273 $1,417 $56,680 Monmouth-Ocean HMFA $27,270 $27.25 $11.23 3.3 2.4 $584 22% Newark HMFA $25.46 279,535 $989 1.3 3.0 $19.02 $26,910 40% $52,960 $1,324 $2,243 $673 $89,700 $20.21 Ocean City MSA $2,020 $1,051 $42,040 25% $24,240 $606 $8.18 2.4 2.5 $426 10,139 $80,800 $80,300 125,740 $642 1.9 2.8 $12.35 $23.27 $24,090 26% $48,400 $1,210 $2,008 $602 Philadelphia-Camden-Wilmington MSA * Trenton MSA 45,850 $884 1.5 3.0 $17.00 $25.54 $27,900 35% $53,120 $1,328 $2,325 $698 $93,000 33% 16,831 $54,400 $408 $1,360 $1,129 $45,160 Vineland-Bridgeton MSA $16,320 $21.71 $10.51 2.6 2.1 $546 $12.03 27% $48,920 $1,223 $23.52 2.8 2.0 $626 11,023 $2,098 $629 $83,900 Warren County HMFA $25,170 Counties $46,080 $467 $62,200 32,687 Atlantic County 32% $18,660 $22.15 $10.26 2.6 2.2 $533 $1,152 $1,555 $27.69 $91,200 $2,280 $1,440 $57,600 35% $27,360 $684 $18.31 3.3 1.5 $952 Bergen County 118,239 37,181 $80,300 $602 $2,008 $1,210 $48,400 Burlington County * 23% $24,090 $23.27 $14.69 2.8 1.6 $764 $24,090 Camden County * $602 $2,008 $1,210 $48,400 32% $80,300 $23.27 $11.31 2.8 2.1 $588 60,402 $426 10,139 $80,800 $606 $2,020 $1,051 $42,040 25% $24,240 $20.21 $8.18 2.4 2.5 Cape May County $21.71 $45,160 $1,129 $1,360 $408 $54,400 16,831 Cumberland County $10.51 2.6 2.1 $546 $16,320 33% $26,910 Essex County $673 $2,243 $1,324 $52,960 55% $89,700 $25.46 $18.29 3.0 1.4 $951 152,313 $23.27 20,971 $80,300 $602 $2,008 $1,210 $48,400 20% $24,090 $484 2.5 2.8 $9.30 Gloucester County * 68% $58,400 $1,460 $1,538 167,429 $61,500 $1,453 Hudson County 1.0 3.4 $27.95 $28.08 $18,450 $461 $690 Hunterdon County 7,608 $103,800 $779 $2,595 $1,578 $63,120 16% $31,140 2.3 3.6 $13.27 $30.35 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 152 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

159 New Jersey RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Monthly rent Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households hou seholds affordable needed to afford renter wage 30% at 30% at mean 4 3 2 5 afford 2 BR FMR FM AM I 2 BR FMR R (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR of AMI renter wage of AMI $17.00 $698 $1,328 $53,120 35% $27,900 $93,000 $2,325 3.0 1.5 $884 45,850 Mercer County $25.54 $103,800 $779 $2,595 $1,578 $63,120 Middlesex County $31,140 $30.35 $19.30 3.6 1.6 35% $1,004 98,304 Monmouth County 59,003 $90,900 3.3 $682 $2,273 $1,417 $56,680 25% $27,270 $27.25 $11.32 $589 2.4 $2,243 1.2 $26,910 24% $52,960 $1,324 3.0 $673 $89,700 43,956 Morris County $1,126 $21.65 $25.46 $56,680 $576 41,795 $90,900 $682 $2,273 $1,417 Ocean County 19% $27,270 $27.25 $11.09 3.3 2.5 $57,600 2.1 3.3 $12.91 $27.69 $27,360 46% $91,200 $1,440 $2,280 $684 74,307 Passaic County $671 $48,400 1.7 7,186 $80,300 $602 $2,008 $1,210 Salem County * 29% $24,090 $23.27 $13.55 2.8 $705 3.6 1.3 $1,252 Somerset County 26,093 $103,800 $779 $2,595 $1,578 $63,120 23% $31,140 $30.35 $24.07 $25.46 $52,960 $89,700 $673 16% $2,243 $26,910 8,606 $8.79 3.0 2.9 $457 $1,324 Sussex County 74,660 $89,700 $673 $2,243 $1,324 $52,960 40% Union County 1.4 3.0 $18.22 $25.46 $26,910 $947 Warren County $83,900 $629 $2,098 $1,223 $48,920 27% 11,023 $23.52 $12.03 2.8 2.0 $626 $25,170 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 153 OUT OF REACH 2016 •

160 NEW MEXICO S TAT E RANKING . In order to $835 In New Mexico, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 28 annually. Assuming a 40-hour work week, $33,404 monthly or $2,784 a household must earn 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $16.06 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Los Alamos County Minimum Wage $7.50 $20.02 Average Renter Wage Santa Fe County $12.53 $18.13 2-Bedroom Housing Wage Bernalillo County $18.10 $16.06 243,406 Number of Renter Households $18.10 Sandoval County Percent Renters $18.10 32% Torrance County (tied with 1 other) $835 Two bedroom FMR 86 $1,424 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $652 renter wage ––––––––––––– $427 Rent affordable at 30% of AMI Rent affordable with full-time job paying $390 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,500 $1,000 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 154 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

161 New Mexico HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage jobs at Full-time Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent % of total Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR affordable households households needed to afford renter wage at 30% at mean 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR renter wage of AMI of AMI New Mexico $17,094 $1,424 $835 $33,404 32% $16.06 $12.53 1.3 $652 $427 243,406 2.1 $56,979 Combined Nonmetro Areas 1.0 $391 $15,654 $52,180 72,291 $711 $1,305 1.8 $13.67 $13.65 30% $28,383 $710 Metropolitan Areas $1,540 $37,640 33% $18,480 $18.10 $12.12 2.4 1.5 $630 115,075 $61,600 Albuquerque MSA * $462 $941 10,924 1.0 2.0 $14.92 $15.13 $17,310 $776 $31,480 $787 $1,443 $433 $57,700 Farmington MSA 27% 1.7 1.4 $468 26,336 $335 $44,700 Las Cruces MSA $13,410 35% $26,400 $660 $1,118 $12.69 $9.01 31% Santa Fe MSA $64,600 $485 $1,615 $943 $37,720 $19,380 $18.13 $12.58 2.4 1.4 $654 18,780 Counties 38% 1.5 2.4 $12.09 $18.10 $18,480 $629 99,209 $37,640 $941 $1,540 $462 $61,600 Bernalillo County * Catron County 184 $47,000 $353 $1,175 $658 $26,320 13% $14,100 $12.65 $6.66 1.7 1.9 $346 $676 1.2 $11.07 $13.00 $15,960 35% $27,040 1.7 $1,330 $399 $53,200 8,134 Chaves County $575 $12.65 Cibola County 2,109 $43,100 $323 $1,078 $658 $26,320 25% $12,930 $9.64 1.7 1.3 $501 $26,320 $14,490 1.8 1.7 $7.16 $12.65 32% $372 $658 $1,208 $362 $48,300 1,740 Colfax County $15,690 $52,300 7,393 Curry County $13.12 41% $27,280 $682 $1,308 $11.39 1.7 1.2 $592 $392 17% $26,320 $658 $1,195 $359 $5.93 $47,800 104 De Baca County 1.7 2.1 $308 $14,340 $12.65 35% $468 $44,700 $335 $1,118 $660 $26,400 26,336 $13,410 $12.69 $9.01 1.7 1.4 Dona Ana County $31,320 Eddy County 5,341 $62,500 $469 $1,563 $783 26% $18,750 $15.06 $19.05 $991 0.8 2.0 $11.07 $12.65 $14,040 24% $26,320 $658 $1,170 $351 $46,800 2,984 Grant County $576 1.1 1.7 22% 1.7 $37,400 $281 $935 $658 $26,320 274 $11,220 $12.65 $7.60 Guadalupe County 1.7 $395 $12.65 Harding County † 36 $50,500 $379 $1,263 $658 $26,320 17% $15,150 1.7 $12.65 $8.73 1.7 1.4 $454 Hidalgo County 603 $38,400 $288 $960 $658 $26,320 32% $11,520 $67,900 $20,370 1.9 0.7 $1,003 Lea County 6,281 $19.30 $509 $1,698 $739 $29,560 29% $14.21 $16.83 1,937 $50,500 $379 $1,263 $875 $35,000 22% $15,150 $503 1.7 2.2 $9.66 Lincoln County 25% $41,640 $1,041 $3,208 $962 $128,300 1,876 Los Alamos County $1,190 0.9 2.7 $22.88 $20.02 $38,490 $438 2,971 $36,700 $275 $918 $658 Luna County 33% $11,010 $12.65 $8.43 1.7 1.5 $26,320 1.3 $10.04 $12.65 $10,200 27% $26,320 $658 $850 $255 $34,000 4,820 McKinley County $522 1.7 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 155

162 New Mexico HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed affordable affordable Monthly rent % of total Renter minimum wage hourly mean 1 wage needed to afford 2 BR to afford 2 BR Annual at mean at 30% seholds hou households affordable renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR FM AM 2 BR FMR R I renter wage of AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI $26,320 1.0 1.7 $12.15 $12.65 $12,870 22% $632 $658 $1,073 $322 $42,900 334 Mora County Otero County $677 1.0 1.7 $13.02 $12.65 $15,810 35% $26,320 $658 $1,318 $395 $52,700 8,432 24% $464 $42,400 $318 $1,060 $658 $26,320 813 $12,720 $12.65 $8.93 1.7 1.4 Quay County 1.4 1.7 $8.84 $12.65 $14,580 22% $26,320 $658 $1,215 $365 $48,600 3,136 Rio Arriba County $459 $43,800 2,939 $420 1.7 1.8 $8.07 $13.56 Roosevelt County $13,140 41% $28,200 $705 $1,095 $329 19% Sandoval County * $61,600 $462 $1,540 $941 $37,640 9,112 $18,480 $18.10 $14.62 2.4 1.2 $760 1.0 $776 San Juan County 10,924 $57,700 $433 $1,443 $787 $31,480 27% $17,310 $15.13 $14.92 2.0 $28,040 2.4 1.8 $5.59 $13.48 $12,390 27% $290 $701 $1,033 $310 $41,300 3,079 San Miguel County 1.4 2.4 $12.58 $18.13 $19,380 31% $37,720 $1,615 $485 $64,600 18,780 Santa Fe County $654 $943 1.7 1.7 $406 Sierra County 1,128 $41,900 $314 $1,048 $672 $26,880 24% $12,570 $12.92 $7.82 28% Socorro County $45,200 $339 $1,130 $658 $26,320 1,421 $13,560 $12.65 $10.36 1.7 1.2 $539 $35,160 Taos County 3,636 $45,700 $343 $1,143 $879 $13,710 27% $16.90 $8.29 2.3 2.0 $431 Torrance County * $18,480 $941 $1,540 $462 $61,600 1,108 $37,640 $18.10 $11.79 2.4 1.5 $613 20% 1.2 $26,320 $658 $1,240 $372 $49,600 586 Union County 1.7 $553 $10.63 $12.65 $14,880 37% $380 21% 5,646 $61,600 $462 $941 $1,540 Valencia County * 2.5 2.4 $7.31 $18.10 $18,480 $37,640 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 156 OUT OF REACH 2016 •

163 NEW YORK S TAT E RANKING . In order to $1,388 In New York, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 4 $55,508 monthly or $4,626 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $26.69 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Nassau County Minimum Wage $9.00 $30.92 $22.85 Suffolk County Average Renter Wage $30.92 2-Bedroom Housing Wage Bronx County $30.21 $26.69 3,348,537 Number of Renter Households $30.21 Kings County Percent Renters 46% $30.21 New York County (tied with 4 others) $1,388 Two bedroom FMR 119 $1,861 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $1,188 renter wage ––––––––––––– $558 Rent affordable at 30% of AMI Rent affordable with full-time job paying $468 min wage 3 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 157 OUT OF REACH 2016

164 New York AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households needed to afford renter wage at 30% at mean 30% 2 5 4 3 afford 2 BR FMR AMI 2 BR FMR FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI New York $22,328 3,348,537 $558 $1,188 1.2 $22.85 $26.69 46% $55,508 $1,388 $1,861 $74,427 3.0 Combined Nonmetro Areas 158,718 $17,671 $58,902 1.6 $525 1.4 $1,473 $10.10 $14.57 29% $30,310 $758 $442 Metropolitan Areas Albany-Schenectady-Troy MSA $615 $2,050 $1,005 $40,200 35% $82,000 $19.33 $13.62 2.1 1.4 $708 120,978 $24,600 Binghamton MSA $63,900 $479 $1,598 $729 $29,160 31% $19,170 $14.02 $9.98 1.6 1.4 $519 31,249 Buffalo-Cheektowaga-Niagara Falls MSA $67,300 $1,683 $755 $30,200 34% $20,190 $14.52 $10.96 1.6 1.3 $570 158,727 $505 $17.21 Elmira MSA $1,533 $895 $35,800 32% $18,390 $460 $9.50 1.9 1.8 $494 11,230 $61,300 Glens Falls MSA $64,800 $486 $1,620 $872 $34,880 28% $19,440 $16.77 $10.73 1.9 1.6 $558 14,718 $20,700 Ithaca MSA $518 $1,725 $1,084 $43,360 44% $69,000 $20.85 $13.03 2.3 1.6 $678 16,839 $482 2.4 2.4 $9.26 $22.04 $22,770 21,146 Kingston MSA $75,900 $569 $1,898 $1,146 $45,840 30% $13.39 Nassau-Suffolk HMFA $1,608 $64,320 20% $31,860 $30.92 $2,655 3.4 2.3 $696 190,241 $797 $106,200 $66,279 $497 $1,657 $1,571 $62,840 66% $19,884 $30.21 $33.98 3.4 0.9 $1,767 2,143,515 New York HMFA $26,130 $87,100 $653 $2,178 $1,271 $50,840 30% 70,640 $24.44 $10.94 2.7 2.2 $569 Poughkeepsie-Newburgh-Middletown HMFA $16.60 Rochester HMFA $1,710 $863 $34,520 32% $20,520 $513 $11.26 1.8 1.5 $585 135,946 $68,400 83,391 $69,200 $519 $1,730 $809 $32,360 32% $20,760 $15.56 $11.09 1.7 1.4 $577 Syracuse MSA $510 Utica-Rome MSA $59,600 $447 $1,490 $741 $29,640 33% $17,880 $14.25 $9.82 1.6 1.5 38,382 19,833 $17,370 Watertown-Fort Drum MSA $57,900 $434 $1,448 $1,087 $43,480 44% $20.90 $12.41 2.3 1.7 $645 $29.04 Westchester County Statutory Exception Area $2,695 $1,510 $60,400 38% $32,340 $809 $17.81 3.2 1.6 $926 130,794 $107,800 Yates County HMFA $61,900 $464 $1,548 $691 $27,640 23% $18,570 $13.29 $7.41 1.5 1.8 $385 2,190 Counties Albany County 50,633 $82,000 $615 $2,050 $1,005 41% $24,600 $19.33 $14.24 2.1 1.4 $741 $40,200 27% Allegany County 4,915 $53,500 $401 $1,338 $658 $455 1.4 1.4 $8.75 $12.65 $16,050 $26,320 $19,560 $62,840 388,526 $65,200 $489 $1,630 $1,571 Bronx County $30.21 $18.13 3.4 1.7 $943 81% $29,160 $729 $1,598 $479 $63,900 26,911 Broome County 1.4 $9.69 $14.02 $19,170 $504 1.6 34% 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 158 OUT OF REACH 2016 •

165 New York HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Renter % of total Monthly rent affordable affordable minimum wage hourly mean 1 wage needed to afford 2 BR to afford 2 BR Annual affordable seholds hou households at 30% at mean renter wage needed to afford 30% 5 2 4 3 FMR afford 2 BR 2 BR FMR AM R FM I (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) of AMI 28% Cattaraugus County $51,700 $388 $1,293 $693 $27,720 8,990 $15,510 $13.33 $10.11 1.5 1.3 $526 28% $493 1.5 1.6 $9.48 $14.63 $20,520 Cayuga County $30,440 $761 $1,710 $513 $68,400 8,664 $26,960 $451 16,318 $52,000 $390 $1,300 $674 Chautauqua County 30% $15,600 $12.96 $8.67 1.4 1.5 1.8 $460 $61,300 11,230 Chemung County $9.50 $17.21 $18,390 32% $35,800 $494 $895 $1,533 1.9 24% $567 $419 $1,395 $680 Chenango County $27,200 $55,800 $16,740 $13.08 $10.90 1.5 1.2 4,742 10,146 $57,300 $430 $1,433 $782 $31,280 32% Clinton County $17,190 $15.04 $8.89 1.7 1.7 $462 $22,380 Columbia County $74,600 $560 $1,865 $923 28% 7,028 $17.75 $10.19 2.0 1.7 $530 $36,920 $510 1.5 1.6 $9.81 $14.25 $18,510 34% $29,640 $741 $1,543 $463 $61,700 6,109 Cortland County 26% Delaware County 1.2 1.6 $11.44 $14.02 $17,370 $595 $729 $1,448 $434 $57,900 4,998 $29,160 2.0 $652 Dutchess County 32,646 $87,100 $653 $2,178 $1,271 $50,840 31% $26,130 $24.44 $12.53 2.7 35% $587 $67,300 $505 $1,683 $755 $30,200 133,059 $20,190 $14.52 $11.30 1.6 1.3 Erie County 1.6 Essex County 4,120 $62,500 $469 $1,563 $844 $33,760 26% $18,750 $16.23 $10.45 1.8 $544 $426 Franklin County 5,420 $55,800 $419 $1,395 $747 $29,880 28% $16,740 $14.37 $8.20 1.6 1.8 $532 1.4 6,899 $56,100 $421 $1,403 $726 $29,040 31% $16,830 $13.96 $10.23 1.6 Fulton County $30,000 1.5 1.6 $9.65 $14.42 $19,350 27% $502 $750 $1,613 $484 $64,500 6,454 Genesee County 1.9 $9.68 $16.96 $18,660 25% $35,280 $504 $1,555 $467 $62,200 4,497 Greene County 1.8 $882 1.4 1.7 $398 Hamilton County 298 $61,800 $464 $1,545 $658 $26,320 18% $18,540 $12.65 $7.66 30% Herkimer County $59,600 $447 $1,490 $741 $29,640 7,895 $17,880 $14.25 $9.13 1.6 1.6 $475 $20.90 $12.41 2.3 1.7 $645 44% Jefferson County $17,370 $1,087 $1,448 $434 $57,900 19,833 $43,480 $796 3.4 $15.30 $30.21 $19,560 70% 2.0 $1,571 $1,630 $489 $65,200 652,125 Kings County $62,840 $17,070 $13.13 $9.09 1.5 Lewis County 2,595 $56,900 $427 $1,423 $683 $27,320 24% 1.4 $473 26% Livingston County $68,400 $513 $1,710 $863 $34,520 6,339 $20,520 $16.60 $7.86 1.8 2.1 $408 $32,360 Madison County 6,438 $69,200 $519 $1,730 $809 $540 24% $20,760 $15.56 $10.38 1.7 1.5 $863 $611 $11.74 $16.60 $20,520 35% $34,520 1.8 $1,710 $513 $68,400 105,972 Monroe County 1.4 $521 1.4 $10.02 $14.13 $16,950 33% $29,400 $735 $1,413 $424 $56,500 6,424 Montgomery County 1.6 $676 2.4 Nassau County 87,397 $106,200 $797 $2,655 $1,608 $64,320 20% $31,860 $30.92 $13.00 3.4 $62,840 0.6 576,679 $65,200 $489 $1,630 $1,571 New York County 77% $19,560 $30.21 $47.09 3.4 $2,449 1.6 1.7 $455 Niagara County 25,668 $67,300 $505 $1,683 $755 $30,200 29% $20,190 $14.52 $8.75 $14.25 $29,640 30,487 $59,600 $447 $1,490 $516 1.4 1.6 $9.93 $741 $17,880 34% Oneida County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 159 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

166 New York HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Monthly rent affordable Renter % of total affordable minimum wage hourly mean 1 afford 2 BR wage needed to to afford Annual 2 BR affordable households seholds hou at 30% at mean renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR AM 2 BR FMR R FM I at AMI (2010-2014) renter wage of AMI (2010-2014) 2 BR FMR (2016) of AMI 35% Onondaga County $69,200 $519 $1,730 $809 $32,360 64,339 $20,760 $15.56 $11.21 1.7 1.4 $583 27% $553 1.6 1.8 $10.64 $16.60 $20,520 Ontario County $34,520 $863 $1,710 $513 $68,400 11,901 $50,840 $502 37,994 $87,100 $653 $2,178 $1,271 Orange County 30% $26,130 $24.44 $9.65 2.7 2.5 2.3 $513 $68,400 3,716 Orleans County $7.27 $16.60 $20,520 23% $34,520 $378 $863 $1,710 1.8 28% $552 $519 $1,730 $809 Oswego County $32,360 $69,200 $20,760 $15.56 $10.61 1.7 1.5 12,614 6,197 $62,100 $466 $1,553 $823 $32,920 26% Otsego County $18,630 $15.83 $9.55 1.8 1.7 $497 $19,560 Putnam County $65,200 $489 $1,630 $1,571 17% 5,919 $30.21 $8.67 3.4 3.5 $451 $62,840 $909 1.7 3.4 $17.49 $30.21 $19,560 56% $62,840 $1,571 $1,630 $489 $65,200 438,212 Queens County 35% Rensselaer County 1.6 2.1 $12.22 $19.33 $24,600 $635 $1,005 $2,050 $615 $82,000 22,285 $40,200 2.9 $545 Richmond County 51,586 $65,200 $489 $1,630 $1,571 $62,840 31% $19,560 $30.21 $10.49 3.4 31% $596 $100,600 $755 $2,515 $1,571 $62,840 30,468 $30,180 $30.21 $11.47 3.4 2.6 Rockland County 1.5 St. Lawrence County 12,212 $54,300 $407 $1,358 $763 $30,520 29% $16,290 $14.67 $9.55 1.6 $497 $730 Saratoga County 25,769 $82,000 $615 $2,050 $1,005 $40,200 29% $24,600 $19.33 $14.04 2.1 1.4 $664 1.5 19,275 $82,000 $615 $2,050 $1,005 $40,200 33% $24,600 $19.33 $12.77 2.1 Schenectady County $40,200 2.3 2.1 $8.39 $19.33 $24,600 24% $436 $1,005 $2,050 $615 $82,000 3,016 Schoharie County 1.4 $8.54 $12.65 $18,120 22% $26,320 $444 $1,510 $453 $60,400 1,703 Schuyler County 1.5 $658 1.5 1.4 $521 Seneca County 3,624 $62,600 $470 $1,565 $716 $28,640 27% $18,780 $13.77 $10.01 30% Steuben County $59,500 $446 $1,488 $771 $30,840 12,336 $17,850 $14.83 $16.10 1.6 0.9 $837 $30.92 $13.77 3.4 2.2 $716 21% Suffolk County $31,860 $1,608 $2,655 $797 $106,200 102,844 $64,320 $521 1.9 $10.02 $17.27 $17,460 35% 1.7 $898 $1,455 $437 $58,200 10,097 Sullivan County $35,920 $19,170 $14.02 $12.02 1.6 Tioga County 4,338 $63,900 $479 $1,598 $729 $29,160 21% 1.2 $625 44% Tompkins County $69,000 $518 $1,725 $1,084 $43,360 16,839 $20,700 $20.85 $13.03 2.3 1.6 $678 $45,840 Ulster County 21,146 $75,900 $569 $1,898 $1,146 $482 30% $22,770 $22.04 $9.26 2.4 2.4 $872 $562 $10.81 $16.77 $19,440 30% $34,880 1.9 $1,620 $486 $64,800 8,310 Warren County 1.6 $545 1.6 $10.47 $16.77 $19,440 27% $34,880 $872 $1,620 $486 $64,800 6,408 Washington County 1.9 $460 1.9 Wayne County 8,018 $68,400 $513 $1,710 $863 $34,520 22% $20,520 $16.60 $8.84 1.8 $60,400 1.6 130,794 $107,800 $809 $2,695 $1,510 Westchester County 38% $32,340 $29.04 $17.81 3.2 $926 1.4 1.6 $425 Wyoming County 3,932 $64,100 $481 $1,603 $675 $27,000 25% $19,230 $12.98 $8.17 $13.29 $27,640 2,190 $61,900 $464 $1,548 $385 1.8 1.5 $7.41 $691 $18,570 23% Yates County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 160 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

167 S TAT E NORTH CAROLINA RANKING * . In order $796 In North Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is 34 to afford this level of rent and utilities — without paying more than 30% of income on housing $31,859 monthly or $2,655 — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.32 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Currituck County Minimum Wage $7.25 $22.12 $13.21 Franklin County Average Renter Wage $18.21 2-Bedroom Housing Wage Johnston County $18.21 $15.32 1,280,773 Number of Renter Households $18.21 Wake County Percent Renters 34% $18.02 Durham County (tied with 2 others) $796 Two bedroom FMR 85 $1,484 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $687 renter wage ––––––––––––– $445 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 161 OUT OF REACH 2016

168 North Carolina AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households households affordable renter wage needed to afford at mean at 30% 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI of AMI North Carolina $445 1.2 $17,813 $59,375 2.1 1,280,773 $31,859 $687 $1,484 $13.21 $15.32 34% $796 Combined Nonmetro Areas $27,673 31% $13.30 $9.43 1.8 1.4 $490 $692 $48,405 $14,522 $363 262,117 $1,210 Metropolitan Areas 33% Asheville HMFA $57,900 $434 $1,448 $819 $32,760 50,914 $17,370 $15.75 $11.74 2.2 1.3 $610 $15.87 $516 11,941 $33,000 $825 $1,458 $437 $9.93 $58,300 Brunswick County HMFA 25% 1.6 $17,490 2.2 $15,930 Burlington MSA $398 $1,328 $809 $32,360 34% $53,100 $15.56 $11.31 2.1 1.4 $588 20,740 $884 211,004 1.0 2.3 $17.00 $16.62 $20,100 Charlotte-Concord-Gastonia HMFA $34,560 $864 $1,675 $503 $67,000 36% 14,636 $53,400 $401 $1,335 $916 $36,640 Craven County HMFA $16,020 $17.62 $12.22 2.4 1.4 $636 37% $12.46 $14,730 27% $25,920 $648 $1,228 $368 $49,100 Davidson County HMFA 1.7 $568 17,633 1.1 $10.92 $17.98 2.5 1.0 $935 77,874 Durham-Chapel Hill HMFA $74,900 $562 $1,873 $937 $37,480 41% $22,470 $18.02 46% 56,646 $52,200 $392 $1,305 $835 $33,400 Fayetteville HMFA $15,660 $16.06 $12.15 2.2 1.3 $632 890 $55,000 Gates County HMFA $413 $1,375 $648 $25,920 20% $16,500 $12.46 $7.78 1.7 1.6 $405 $15,960 18,699 $399 $1,330 $746 $29,840 39% $53,200 $14.35 $10.43 2.0 1.4 $542 Goldsboro MSA 2.0 Greensboro-High Point HMFA $57,200 $429 $1,430 $741 $29,640 37% $17,160 $14.25 93,310 $681 1.1 $13.11 $14.27 $10.59 2.0 1.3 $551 30,591 Greenville MSA $59,300 $445 $1,483 $742 $29,680 46% $17,790 $13.92 Haywood County HMFA 1.9 1.3 $542 7,128 $53,400 $401 $1,335 $724 $28,960 27% $16,020 $10.42 28% $12.79 1.2 $542 39,219 $15,660 $10.42 1.8 $26,600 $665 $1,305 $392 $52,200 Hickory-Lenoir-Morganton MSA Hoke County HMFA $8.93 1.8 1.4 $465 5,524 $55,000 $413 $1,375 $671 $26,840 33% $16,500 $12.90 $854 $34,160 27% $18,750 1.2 $698 16,373 $16.42 Iredell County HMFA $62,500 $469 $1,563 $13.42 2.3 $15,360 Jacksonville MSA $384 $1,280 $792 $31,680 46% $51,200 $15.23 $10.35 2.1 1.5 $538 28,315 $447 1,208 1.5 1.7 $8.59 $12.46 $15,090 Jones County HMFA $25,920 $648 $1,258 $377 $50,300 29% 6,722 $63,600 $477 $1,590 $772 $30,880 Lincoln County HMFA $19,080 $14.85 $9.04 2.0 1.6 $470 22% 1,057 $16,830 21% $27,040 $676 $1,403 $421 $56,100 Pamlico County HMFA $13.00 2.0 $340 1.8 $6.55 $13.19 $9.63 1.8 1.4 $501 4,540 Pender County HMFA $55,200 $414 $1,380 $686 $27,440 23% $16,560 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 162

169 North Carolina HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at mean renter necessary to need ed Monthly rent affordable affordable % of total Renter hourly mean minimum wage 1 afford 2 BR wage needed to to afford 2 BR Annual rdable affo at 30% at mean households olds househ needed to afford renter wage 30% 5 2 3 4 afford 2 BR FMR 2 BR FMR AMI FMR at AMI of AMI renter wage (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI Person County HMFA 1.5 28% $15,240 $12.46 $8.46 1.7 $25,920 $440 4,330 $1,270 $50,800 $381 $648 Raleigh MSA 1.3 $37,880 $22,980 $18.21 $14.06 2.5 34% $731 148,533 $1,915 $575 $76,600 $947 Rockingham County HMFA $1,308 $25,920 30% $15,690 $12.46 $9.33 $52,300 1.3 $485 11,307 $392 1.7 $648 Rocky Mount MSA 21,186 $49,800 $374 $1,245 $671 $26,840 $532 $14,940 $12.90 $10.22 1.8 1.3 36% Rowan County HMFA $12.19 $684 $27,360 $52,700 16,737 $634 1.1 1.8 $395 $13.15 $15,810 32% $1,318 Virginia Beach-Norfolk-Newport News HMFA * $529 $70,500 1,692 $453 2.5 3.1 $8.71 $22.12 $21,150 19% $46,000 $1,150 $1,763 $17.25 $65,100 $1,628 $897 $35,880 42% $19,530 $488 $11.96 2.4 1.4 $622 37,002 W ilmington HMFA 1.0 $665 1.9 $58,500 $439 $1,463 $698 $27,920 33% $17,550 $13.42 $12.80 62,905 Winston-Salem HMFA Counties Alamance County 20,740 $53,100 $398 $1,328 $809 $32,360 34% $15,930 $15.56 $11.31 2.1 $588 1.4 22% Alexander County $52,200 $392 $1,305 $665 $26,600 3,043 $15,660 $12.79 $7.71 1.8 1.7 $401 $7.08 Alleghany County 1,147 $41,800 $314 $1,045 $648 $25,920 24% $12,540 $12.46 $368 1.8 1.7 $1,018 $12,210 31% $25,920 $648 $523 $305 $40,700 2,919 Anson County 1.7 1.2 $10.06 $12.46 1.4 $459 2,733 $48,400 $363 $1,210 $648 $25,920 23% $14,520 $12.46 $8.83 1.7 Ashe County $14,430 Avery County $361 $1,203 $713 $28,520 24% $48,100 $13.71 $7.94 1.9 1.7 $413 1,687 $439 5,630 $50,900 $382 $1,273 $648 $25,920 30% $15,270 $12.46 $8.44 1.7 1.5 Beaufort County $401 Bertie County 2,055 $41,900 $314 $1,048 $648 $25,920 27% $12,570 $12.46 $7.71 1.7 1.6 $648 $524 $10.08 $12.46 $13,290 32% $25,920 1.7 $1,108 $332 $44,300 4,583 Bladen County 1.2 1.6 2.2 $9.93 $15.87 $17,490 25% $33,000 $825 $1,458 $437 $58,300 11,941 Brunswick County $516 36% $633 $57,900 $434 $1,448 $819 $32,760 36,645 $17,370 $15.75 $12.17 2.2 1.3 Buncombe County $665 Burke County 9,808 $52,200 $392 $1,305 $26,600 28% $15,660 $12.79 $9.17 1.8 1.4 $477 2.3 $577 Cabarrus County 18,040 $67,000 $503 $1,675 $864 $34,560 27% $20,100 $16.62 $11.09 1.5 $490 1.4 1.8 $9.42 $12.79 $15,660 29% $26,600 $665 $392 $52,200 8,996 Caldwell County $1,305 $32,760 1.0 534 $71,900 $539 $1,798 $819 Camden County 15% $21,570 $15.75 $16.00 2.2 $832 Carteret County 8,740 $54,500 $409 $1,363 $818 $32,720 30% $16,350 $15.73 $9.27 2.2 1.7 $482 $648 $25,920 $47,100 $353 25% $1,178 Caswell County 2,166 $366 1.8 1.7 $7.03 $12.46 $14,130 Catawba County $665 $1,305 $392 $52,200 17,372 $589 1.1 1.8 $11.32 $12.79 $15,660 30% $26,600 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 163 OUT OF REACH 2016 •

170 North Carolina RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 FMR afford 2 BR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 21% Chatham County $74,900 $562 $1,873 $937 $37,480 5,689 $22,470 $18.02 $7.90 2.5 2.3 $411 18% $466 1.4 1.7 $8.95 $12.46 $13,290 Cherokee County $25,920 $648 $1,108 $332 $44,300 1,843 $26,520 $485 2,006 $44,700 $335 $1,118 $663 Chowan County 33% $13,410 $12.75 $9.33 1.8 1.4 1.7 $359 $47,800 945 Clay County $7.49 $12.46 $14,340 22% $25,920 $389 $648 $1,195 1.7 32% $487 $375 $1,250 $648 Cleveland County $25,920 $50,000 $15,000 $12.46 $9.36 1.7 1.3 11,854 6,855 $47,100 $353 $1,178 $648 $25,920 31% Columbus County $14,130 $12.46 $8.30 1.7 1.5 $432 $16,020 Craven County $53,400 $401 $1,335 $916 37% 14,636 $17.62 $12.22 2.4 1.4 $636 $36,640 $632 1.3 2.2 $12.15 $16.06 $15,660 46% $33,400 $835 $1,305 $392 $52,200 56,646 Cumberland County 19% Currituck County * 2.5 3.1 $8.71 $22.12 $21,150 $453 $1,150 $1,763 $529 $70,500 1,692 $46,000 1.7 $520 Dare County 4,593 $66,100 $496 $1,653 $908 $36,320 31% $19,830 $17.46 $10.00 2.4 27% $568 $49,100 $368 $1,228 $648 $25,920 17,633 $14,730 $12.46 $10.92 1.7 1.1 Davidson County 1.4 Davie County 3,166 $58,500 $439 $1,463 $698 $27,920 20% $17,550 $13.42 $9.47 1.9 $492 $497 Duplin County 7,279 $43,100 $323 $1,078 $648 $25,920 33% $12,930 $12.46 $9.56 1.7 1.3 $1,034 0.9 51,790 $74,900 $562 $1,873 $937 $37,480 46% $22,470 $18.02 $19.88 2.5 Durham County $26,840 1.2 1.8 $10.50 $12.90 $14,940 37% $546 $671 $1,245 $374 $49,800 7,841 Edgecombe County 1.9 $13.37 $13.42 $17,550 37% $27,920 $695 $1,463 $439 $58,500 52,383 Forsyth County 1.0 $698 2.5 1.5 $639 Franklin County 6,008 $76,600 $575 $1,915 $947 $37,880 26% $22,980 $18.21 $12.28 33% Gaston County $67,000 $503 $1,675 $864 $34,560 26,074 $20,100 $16.62 $10.94 2.3 1.5 $569 1.6 $405 $16,500 $7.78 1.7 Gates County 20% $12.46 $648 $1,375 $413 $55,000 890 $25,920 $487 1.7 $9.36 $12.46 $12,180 18% 1.3 $648 $1,015 $305 $40,600 612 Graham County $25,920 $14.12 $10.31 1.9 Granville County 5,063 $56,300 $422 $1,408 $734 $29,360 25% $16,890 1.4 $536 30% Greene County $52,100 $391 $1,303 $648 $25,920 2,164 $15,630 $12.46 $7.74 1.7 1.6 $402 $29,640 Guilford County 79,224 $57,200 $429 $1,430 $741 $707 40% $17,160 $14.25 $13.59 2.0 1.0 $648 $440 $8.46 $12.46 $13,110 37% $25,920 1.7 $1,093 $328 $43,700 8,074 Halifax County 1.5 $522 1.3 $10.03 $13.50 $16,530 34% $28,080 $702 $1,378 $413 $55,100 14,113 Harnett County 1.9 $542 1.3 Haywood County 7,128 $53,400 $401 $1,335 $724 $28,960 27% $16,020 $13.92 $10.42 1.9 $32,760 1.5 11,990 $57,900 $434 $1,448 $819 Henderson County 26% $17,370 $15.75 $10.44 2.2 $543 1.8 1.3 $501 Hertford County 3,157 $42,800 $321 $1,070 $670 $26,800 36% $12,840 $12.88 $9.64 $465 33% 5,524 $55,000 $413 $671 $1,375 Hoke County 1.4 1.8 $8.93 $12.90 $16,500 $26,840 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 164 OUT OF REACH 2016 •

171 North Carolina RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR 2 BR Annual to afford seholds hou households affordable renter wage needed to afford 30% at mean at 30% 2 4 3 5 afford 2 BR FMR FM 2 BR FMR R I AM (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI of AMI renter wage 24% Hyde County $43,200 $324 $1,080 $799 $31,960 497 $12,960 $15.37 $8.18 2.1 1.9 $425 27% $698 1.2 2.3 $13.42 $16.42 $18,750 Iredell County $34,160 $854 $1,563 $469 $62,500 16,373 $25,920 $404 5,338 $49,800 $374 $1,245 $648 Jackson County 34% $14,940 $12.46 $7.77 1.7 1.6 2.0 $575 $76,600 17,608 Johnston County $9.30 $18.21 $22,980 29% $37,880 $483 $947 $1,915 2.5 29% $447 $377 $1,258 $648 Jones County $25,920 $50,300 $15,090 $12.46 $8.59 1.7 1.5 1,208 6,969 $57,000 $428 $1,425 $703 $28,120 33% Lee County $17,100 $13.52 $11.06 1.9 1.2 $575 $13,950 Lenoir County $46,500 $349 $1,163 $650 40% 9,390 $12.50 $10.49 1.7 1.2 $545 $26,000 $470 1.6 2.0 $9.04 $14.85 $19,080 22% $30,880 $772 $1,590 $477 $63,600 6,722 Lincoln County 30% McDowell County 1.3 1.7 $9.48 $12.46 $14,130 $493 $648 $1,178 $353 $47,100 5,115 $25,920 1.3 $531 Macon County 4,134 $46,800 $351 $1,170 $704 $28,160 27% $14,040 $13.54 $10.21 1.9 27% $499 $57,900 $434 $1,448 $819 $32,760 2,279 $17,370 $15.75 $9.60 2.2 1.6 Madison County 1.2 Martin County 2,792 $45,800 $344 $1,145 $648 $25,920 29% $13,740 $12.46 $10.45 1.7 $544 $980 Mecklenburg County 153,700 $67,000 $503 $1,675 $864 $34,560 41% $20,100 $16.62 $18.85 2.3 0.9 $422 1.5 1,416 $47,700 $358 $1,193 $648 $25,920 22% $14,310 $12.46 $8.11 1.7 Mitchell County $25,920 1.3 1.7 $9.49 $12.46 $13,260 30% $493 $648 $1,105 $332 $44,200 3,234 Montgomery County 2.1 $9.60 $15.00 $18,180 25% $31,200 $499 $1,515 $455 $60,600 9,353 Moore County 1.6 $780 1.8 1.3 $526 Nash County 13,345 $49,800 $374 $1,245 $671 $26,840 36% $14,940 $12.90 $10.11 42% New Hanover County $65,100 $488 $1,628 $897 $35,880 37,002 $19,530 $17.25 $11.96 2.4 1.4 $622 1.4 $475 $11,460 $9.13 1.7 Northampton County 29% $12.46 $648 $955 $287 $38,200 2,466 $25,920 $538 2.1 $10.35 $15.23 $15,360 46% 1.5 $792 $1,280 $384 $51,200 28,315 Onslow County $31,680 $18.02 $11.82 2.5 Orange County 20,395 $74,900 $562 $1,873 $937 $37,480 40% $22,470 1.5 $615 21% Pamlico County $56,100 $421 $1,403 $676 $27,040 1,057 $16,830 $13.00 $6.55 1.8 2.0 $340 $33,480 Pasquotank County 5,365 $57,000 $428 $1,425 $837 $471 37% $17,100 $16.10 $9.05 2.2 1.8 $686 $501 $9.63 $13.19 $16,560 23% $27,440 1.8 $1,380 $414 $55,200 4,540 Pender County 1.4 $435 1.8 $8.37 $15.23 $15,750 23% $31,680 $792 $1,313 $394 $52,500 1,260 Perquimans County 2.1 $440 1.5 Person County 4,330 $50,800 $381 $1,270 $648 $25,920 28% $15,240 $12.46 $8.46 1.7 $29,680 1.3 30,591 $59,300 $445 $1,483 $742 Pitt County 46% $17,790 $14.27 $10.59 2.0 $551 2.0 1.4 $516 Polk County 2,129 $55,300 $415 $1,383 $737 $29,480 24% $16,590 $14.17 $9.93 $521 26% 14,086 $57,200 $429 $741 $1,430 Randolph County 1.4 2.0 $10.03 $14.25 $17,160 $29,640 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 165 OUT OF REACH 2016 •

172 North Carolina RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual to afford 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 afford 2 BR FMR R I AM 2 BR FMR FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 36% Richmond County $41,400 $311 $1,035 $648 $25,920 6,571 $12,420 $12.46 $8.33 1.7 1.5 $433 36% $441 1.5 1.7 $8.48 $12.46 $11,670 Robeson County $25,920 $648 $973 $292 $38,900 16,349 $25,920 $485 11,307 $52,300 $392 $1,308 $648 Rockingham County 30% $15,690 $12.46 $9.33 1.7 1.3 1.1 $395 $52,700 16,737 Rowan County $12.19 $13.15 $15,810 32% $27,360 $634 $684 $1,318 1.8 28% Rutherford County $39,700 $298 $993 $733 $29,320 7,463 $11,910 $14.10 $8.76 1.9 1.6 $455 $484 Sampson County 7,076 $44,700 $335 $1,118 $648 $25,920 30% $13,410 $12.46 $9.31 1.7 1.3 36% $433 $37,000 $278 $925 $659 $26,360 4,616 $11,100 $12.67 $8.33 1.7 1.5 Scotland County 1.5 Stanly County 6,464 $56,100 $421 $1,403 $648 $25,920 28% $16,830 $12.46 $8.36 1.7 $435 1.8 $389 Stokes County 3,866 $58,500 $439 $1,463 $698 $27,920 21% $17,550 $13.42 $7.48 1.9 28% $527 $44,100 $331 $1,103 $685 $27,400 8,220 $13,230 $13.17 $10.14 1.8 1.3 Surry County 1.4 Swain County 1,384 $52,900 $397 $1,323 $648 $25,920 26% $15,870 $12.46 $8.60 1.7 $447 $462 1.4 1.7 $8.89 $12.62 $15,930 23% $26,240 $656 $1,328 $398 $53,100 3,093 Transylvania County $443 1.5 368 $39,500 $296 $988 $648 $25,920 25% $11,850 $12.46 $8.51 1.7 Tyrrell County $864 $525 $10.10 $16.62 $20,100 19% $34,560 2.3 $1,675 $503 $67,000 13,190 Union County 1.6 1.7 1.4 $457 Vance County 5,995 $43,000 $323 $1,075 $649 $25,960 36% $12,900 $12.48 $8.78 $22,980 Wake County $14.50 2.5 1.3 $754 124,917 $76,600 $575 $1,915 $947 $37,880 35% $18.21 $25,920 $13,740 1.7 1.6 $408 29% $12.46 $7.85 $648 $1,145 $344 $45,800 2,308 Warren County Washington County $12.81 $11.25 1.8 1.1 $585 1,633 $44,800 $336 $1,120 $666 $26,640 32% $13,440 43% $18,480 $16.77 $5.94 2.3 Watauga County 8,615 $61,600 $462 $1,540 $872 $34,880 2.8 $309 39% Wayne County $53,200 $399 $1,330 $746 $29,840 18,699 $15,960 $14.35 $10.43 2.0 1.4 $542 1.3 $483 1.7 $9.29 $12.46 $11,160 26% Wilkes County $648 $930 $279 $37,200 7,199 $25,920 $685 12,801 $48,400 $363 $1,210 $723 Wilson County 40% $14,520 $13.90 $13.17 1.9 1.1 $28,920 $17,550 23% $27,920 $698 $1,463 $439 $58,500 3,490 Yadkin County 1.9 $8.68 $13.42 $451 1.5 1.8 1.6 $414 Yancey County 1,752 $46,900 $352 $1,173 $671 $26,840 24% $14,070 $12.90 $7.96 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 166

173 S TAT E NORTH DAKOTA RANKING * . In order to $814 In North Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is 31 afford this level of rent and utilities — without paying more than 30% of income on housing — $32,565 monthly or $2,714 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.66 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Ward County Minimum Wage $7.25 $22.56 $15.22 Mountrail County Average Renter Wage $21.60 2-Bedroom Housing Wage Williams County $21.29 $15.66 101,996 Number of Renter Households $16.37 Stark County Percent Renters 35% $16.02 Grand Forks County $814 Two bedroom FMR 86 $1,842 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $792 renter wage ––––––––––––– $552 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 167 OUT OF REACH 2016

174 North Dakota AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly jobs at Full-time Hourly wage Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR to afford Annual 2 BR households affordable households needed to afford renter wage at 30% at mean 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR renter wage of AMI of AMI North Dakota 1.0 $814 $32,565 35% $15.66 $15.22 $1,842 $792 $552 101,996 2.2 $73,664 $22,099 Combined Nonmetro Areas 42,690 $527 $21,064 $70,214 $1,755 $921 0.9 2.2 $17.70 $16.17 29% $33,637 $841 Metropolitan Areas $26,490 13,227 $662 $2,208 $821 $32,840 28% $88,300 $15.79 $12.55 2.2 1.3 $652 Bismarck HMFA 31,747 Fargo MSA $73,200 $549 $1,830 $30,840 47% $21,960 $14.83 $13.53 2.0 1.1 $704 $771 $833 $1,735 $69,400 Grand Forks MSA $33,320 48% $20,820 $16.02 $10.88 2.2 1.5 $566 13,573 $521 17% 130 0.5 1.7 $25.90 $12.56 $25,080 $1,347 $26,120 $653 $2,090 $627 $83,600 Oliver County HMFA 1.7 1.2 $549 629 57% $26,120 $653 $873 $262 $34,900 Sioux County HMFA $10,470 $12.56 $10.56 Counties Adams County $507 $1,690 $653 $26,120 28% $67,600 $12.56 $14.80 1.7 0.8 $770 305 $20,280 1,488 $68,900 $517 $1,723 $696 $27,840 30% $20,670 $13.38 $10.55 1.8 1.3 $549 Barnes County $26,120 817 $41,900 $314 $1,048 $653 0.9 35% $12,570 $12.56 $14.14 1.7 $735 Benson County $13.21 96 $1,775 $687 $27,480 27% $21,300 $533 $15.87 1.8 0.8 Billings County $825 $71,000 1.2 730 $73,100 $548 $1,828 $653 $26,120 24% $21,930 $12.56 $10.71 1.7 $557 Bottineau County 1.8 $17.84 $13.31 $23,640 26% $27,680 $692 $1,970 $591 $78,800 345 Bowman County 0.7 $928 Burke County $857 $71,900 $539 $1,798 $653 $26,120 34% $21,570 $12.56 $16.49 1.7 0.8 333 $26,490 Burleigh County $662 $2,208 $821 $32,840 29% $88,300 $15.79 $12.56 2.2 1.3 $653 10,542 $14.83 $21,960 47% $30,840 $771 $1,830 $549 $73,200 31,747 Cass County 2.0 1.1 $704 $13.53 13% 230 $74,900 $562 $1,873 $653 $26,120 Cavalier County $22,470 $12.56 $13.87 1.7 0.9 $721 $425 1.5 1.7 $8.16 $12.56 $19,170 28% $26,120 $653 $1,598 $479 $63,900 624 Dickey County $26,120 0.6 187 $71,500 $536 $1,788 $653 Divide County 18% $21,450 $12.56 $21.55 1.7 $1,121 $12.56 $27.81 1.7 0.5 $1,446 Dunn County 286 $78,400 $588 $1,960 $653 $26,120 19% $23,520 $17,100 $12.56 $57,000 $428 $1,425 $653 $26,120 27% Eddy County $9.07 1.7 1.4 $472 286 304 $12.56 $26,120 $653 $1,253 $376 $50,100 19% Emmons County $8.19 1.7 1.5 $426 $15,030 25% $26,120 $653 $1,760 $528 $70,400 Foster County $337 1.9 1.7 $6.49 $12.56 $21,120 398 $26,120 $653 $1,663 $499 $66,500 213 Golden Valley County 0.7 $12.56 $19,950 $871 1.7 $16.75 28% 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 168

175 North Dakota RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR 2 BR Annual to afford seholds affordable hou households renter wage needed to afford 30% at mean at 30% 2 4 3 5 afford 2 BR FMR FM 2 BR FMR R I AM at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR of AMI of AMI renter wage 48% Grand Forks County $69,400 $521 $1,735 $833 $33,320 13,573 $20,820 $16.02 $10.88 2.2 1.5 $566 23% $673 1.0 1.7 $12.94 $12.56 $18,330 Grant County $26,120 $653 $1,528 $458 $61,100 257 $26,120 $461 263 $64,800 $486 $1,620 $653 Griggs County 25% $19,440 $12.56 $8.87 1.7 1.4 0.9 $505 $67,300 207 Hettinger County $14.67 $12.56 $20,190 19% $26,120 $763 $653 $1,683 1.7 19% $660 $444 $1,480 $653 Kidder County $26,120 $59,200 $17,760 $12.56 $12.69 1.7 1.0 212 411 $67,700 $508 $1,693 $653 $26,120 22% LaMoure County $20,310 $12.56 $9.13 1.7 1.4 $475 $18,750 Logan County $62,500 $469 $1,563 $736 16% 142 $14.15 $9.77 2.0 1.4 $508 $29,440 $709 0.9 1.7 $13.64 $12.56 $18,900 20% $26,120 $653 $1,575 $473 $63,000 505 McHenry County 17% McIntosh County 1.2 1.7 $10.59 $12.56 $15,660 $551 $653 $1,305 $392 $52,200 233 $26,120 0.5 $1,572 McKenzie County 866 $79,400 $596 $1,985 $740 $29,600 31% $23,820 $14.23 $30.23 2.0 23% $855 $69,400 $521 $1,735 $653 $26,120 933 $20,820 $12.56 $16.43 1.7 0.8 McLean County 0.7 Mercer County 646 $83,000 $623 $2,075 $653 $26,120 18% $24,900 $12.56 $17.15 1.7 $892 $649 Morton County 2,685 $88,300 $662 $2,208 $821 $32,840 23% $26,490 $15.79 $12.48 2.2 1.3 $1,433 0.8 984 $78,300 $587 $1,958 $1,123 $44,920 32% $23,490 $21.60 $27.56 3.0 Mountrail County $26,120 1.2 1.7 $10.05 $12.56 $19,950 19% $523 $653 $1,663 $499 $66,500 290 Nelson County 1.7 $25.90 $12.56 $25,080 17% $26,120 $1,347 $2,090 $627 $83,600 130 Oliver County 0.5 $653 1.7 1.0 $639 Pembina County 751 $63,800 $479 $1,595 $653 $26,120 23% $19,140 $12.56 $12.28 27% Pierce County $64,900 $487 $1,623 $653 $26,120 518 $19,470 $12.56 $9.67 1.7 1.3 $503 1.2 $527 $19,530 $10.13 1.7 Ramsey County 36% $12.56 $653 $1,628 $488 $65,100 1,822 $26,120 $527 1.9 $10.14 $13.65 $20,340 30% 1.3 $710 $1,695 $509 $67,800 689 Ransom County $28,400 $12.56 $17.19 1.7 Renville County 247 $79,200 $594 $1,980 $653 $26,120 23% $23,760 0.7 $894 $22,290 Richland County $557 $1,858 $653 $26,120 27% $74,300 $12.56 $8.69 1.7 1.4 $452 1,760 1,434 $39,800 $299 $995 $653 $26,120 30% $11,940 $12.56 $5.77 1.7 Rolette County $300 2.2 $14.49 $12.56 $20,670 22% $26,120 $653 $1,723 $517 $68,900 379 Sargent County 1.7 0.9 $753 Sheridan County † $49,700 $373 $1,243 $653 87 14% $14,910 $12.56 1.7 $26,120 $34,900 $653 $26,120 57% $10,470 $12.56 $10.56 1.7 1.2 Sioux County 629 $262 $873 $549 $1,468 1.8 $28.23 $13.21 $22,830 16% 0.5 $687 $1,903 $571 $76,100 50 Slope County $27,480 2.3 1.0 $865 Stark County 3,118 $77,300 $580 $1,933 $851 $34,040 29% $23,190 $16.37 $16.63 $741 27% 253 $68,900 $517 $653 $1,723 Steele County 0.9 1.7 $14.24 $12.56 $20,670 $26,120 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 169 OUT OF REACH 2016 •

176 North Dakota RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage jobs at Full-time Estimated Full-time jobs at Annual income rent rent necessary to mean renter % of total Monthly rent Renter hourly mean minimum wage needed affordable affordable 1 afford 2 BR wage needed to households affordable households needed to afford renter wage to afford 2 BR Annual at mean at 30% 30% 3 4 2 5 afford 2 BR FMR (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR 2 BR FMR FMR AMI renter wage of AMI of AMI $20,010 $603 $500 $1,668 $685 $27,400 33% $66,700 $13.17 $11.60 1.8 1.1 Stutsman County 2,991 Towner County 2.0 1.7 $6.22 $12.56 $20,940 22% $26,120 $653 $1,745 $524 $69,800 227 $324 1.1 1.7 $10.95 $12.56 $21,960 27% $653 $1,830 $549 $73,200 896 Traill County $569 $26,120 $12.56 $18,840 1.7 1.6 25% $26,120 $653 $7.64 $1,570 $471 $62,800 1,222 Walsh County $397 $46,920 $761 3.1 $14.63 $22.56 $21,960 38% 1.5 $1,173 $1,830 $549 $73,200 Ward County 9,654 $17,580 $12.56 $8.27 1.7 1.5 $430 Wells County 438 $58,600 $440 $1,465 $653 $26,120 22% $1,347 32% 3,563 $88,600 $665 $1,107 $2,215 Williams County 0.8 2.9 $25.91 $21.29 $26,580 $44,280 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 170 OUT OF REACH 2016 •

177 OHIO S TAT E RANKING . In order to afford $751 In Ohio, the Fair Market Rent (FMR) for a two-bedroom apartment is this level of rent and utilities — without paying more than 30% of income on housing — a * 41 $30,060 monthly or $2,505 household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.45 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Columbus HMFA Minimum Wage $8.10 $15.98 $12.17 Union County Average Renter Wage $15.56 2-Bedroom Housing Wage Cincinnati-Middleton HMFA $15.13 $14.45 1,513,809 Number of Renter Households $15.12 Portage County Percent Renters 33% $15.12 Summit County $751 Two bedroom FMR 71 $1,581 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $633 renter wage ––––––––––––– $474 Rent affordable at 30% of AMI Rent affordable with full-time job paying $421 min wage 1.8 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 171 OUT OF REACH 2016

178 Ohio AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Monthly rent Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to 2 BR to afford Annual households affordable households needed to afford renter wage at 30% at mean 30% 2 5 4 3 afford 2 BR FMR AMI 2 BR FMR FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Ohio $18,969 1,513,809 $474 $633 $12.17 $14.45 33% $30,060 $751 $1,581 $63,229 1.2 1.8 Combined Nonmetro Areas $682 $1,384 256,487 $415 $16,602 $55,340 1.2 $27,265 28% $13.11 $10.53 1.6 $547 Metropolitan Areas 1.3 $593 91,621 $15.12 Akron MSA 33% $11.41 $66,900 $502 $1,673 $786 $31,440 1.9 $20,070 $26,320 3,675 1.4 1.6 $9.15 $15,900 22% $476 $658 $1,325 $398 $53,000 Brown County HMFA $12.65 $13.15 $10.46 1.6 1.3 $544 48,197 Canton-Massillon MSA $61,100 $458 $1,528 $684 $27,360 30% $18,330 34% 211,770 $70,700 $530 $1,768 $787 $31,480 Cincinnati HMFA $21,210 $15.13 $13.31 1.9 1.1 $692 $14.87 288,506 $19,980 1.8 1.1 $679 Cleveland-Elyria MSA $66,600 $500 $1,665 $773 $30,920 34% $13.06 39% 273,051 $69,600 $522 $1,740 $831 $33,240 Columbus HMFA $20,880 $15.98 $13.77 2.0 1.2 $716 $29,720 1.2 $623 118,468 $14.29 $17,850 36% $11.99 $743 $1,488 $446 $59,500 Dayton MSA 1.8 25% 2,903 1.8 1.6 $7.15 $12.65 $16,260 $372 $26,320 $658 $1,355 $407 Hocking County HMFA $54,200 $16,440 $12.65 $8.89 1.6 1.4 $463 6,123 Huntington-Ashland HMFA $54,800 $411 $1,370 $658 $26,320 26% $18,330 Lima MSA $508 1.3 1.6 $9.77 $13.04 13,002 32% $27,120 $678 $1,528 $458 $61,100 $15,150 $538 15,007 $26,320 $658 $1,263 $379 $50,500 Mansfield MSA 31% 1.6 1.2 $12.65 $10.35 26% 3,608 1.6 1.6 $8.04 $12.65 $15,030 $418 Perry County HMFA $50,100 $376 $1,253 $658 $26,320 $497 18,663 Springfield MSA $57,100 $428 $17,130 $1,428 1.6 $681 $27,240 34% $13.10 1.4 $9.56 88,125 1.2 1.7 $11.01 $13.37 $18,300 $573 $27,800 $695 $1,525 $458 $61,000 Toledo MSA 36% $15.56 $14.31 1.9 1.1 $744 4,227 Union County HMFA $81,800 $614 $2,045 $809 $32,360 23% $24,540 29% 8,109 1.4 1.6 $9.13 $12.65 $15,180 $475 $26,320 $658 $1,265 $380 Weirton-Steubenville MSA $50,600 $17,040 $12.65 $9.77 1.6 1.3 $508 7,006 Wheeling MSA $56,800 $426 $1,420 $658 $26,320 25% $16,170 $660 $501 1.3 1.6 $9.63 $12.69 55,261 30% $26,400 $1,348 $404 $53,900 Youngstown-Warren-Boardman HMFA Counties $44,900 $337 $1,123 Adams County 3,116 $658 $26,320 $431 1.5 1.6 $8.29 $12.65 $13,470 29% $678 $1,528 $458 $61,100 13,002 Allen County 1.3 1.6 32% $13.04 $18,330 $508 $27,120 $9.77 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 172 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

179 Ohio HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed affordable affordable Monthly rent % of total Renter minimum wage hourly mean 1 wage needed to afford 2 BR to afford 2 BR Annual at mean at 30% seholds hou households affordable renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR 2 BR FMR FM AM R I renter wage of AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI 28% Ashland County $56,800 $426 $1,420 $664 $26,560 5,695 $17,040 $12.77 $11.62 1.6 1.1 $604 28% $434 1.6 1.7 $8.35 $13.69 $14,280 Ashtabula County $28,480 $712 $1,190 $357 $47,600 10,775 $29,080 $352 9,659 $51,900 $389 $1,298 $727 Athens County 43% $15,570 $13.98 $6.77 1.7 2.1 1.1 $485 $64,600 4,647 Auglaize County $11.65 $13.06 $19,380 26% $27,160 $606 $679 $1,615 1.6 25% $508 $426 $1,420 $658 Belmont County $26,320 $56,800 $17,040 $12.65 $9.77 1.6 1.3 7,006 3,675 $53,000 $398 $1,325 $658 $26,320 22% Brown County $15,900 $12.65 $9.15 1.6 1.4 $476 $21,210 Butler County $70,700 $530 $1,768 $787 30% 40,615 $15.13 $11.62 1.9 1.3 $604 $31,480 $549 1.2 1.6 $10.56 $13.15 $18,330 22% $27,360 $684 $1,528 $458 $61,100 2,351 Carroll County 26% Champaign County 1.2 1.6 $10.87 $12.65 $18,000 $565 $658 $1,500 $450 $60,000 3,913 $26,320 1.4 $497 Clark County 18,663 $57,100 $428 $1,428 $681 $27,240 34% $17,130 $13.10 $9.56 1.6 25% $526 $70,700 $530 $1,768 $787 $31,480 18,736 $21,210 $15.13 $10.12 1.9 1.5 Clermont County 1.2 Clinton County 5,588 $55,800 $419 $1,395 $714 $28,560 35% $16,740 $13.73 $11.23 1.7 $584 $474 Columbiana County 11,987 $51,500 $386 $1,288 $659 $26,360 28% $15,450 $12.67 $9.12 1.6 1.4 $525 1.3 3,804 $50,100 $376 $1,253 $658 $26,320 26% $15,030 $12.65 $10.10 1.6 Coshocton County $26,320 1.2 1.6 $10.89 $12.65 $15,300 30% $566 $658 $1,275 $383 $51,000 5,286 Crawford County 1.8 $14.09 $14.87 $19,980 40% $30,920 $733 $1,665 $500 $66,600 212,936 Cuyahoga County 1.1 $773 1.6 1.2 $531 Darke County 5,865 $55,400 $416 $1,385 $658 $26,320 28% $16,620 $12.65 $10.22 25% Defiance County $57,300 $430 $1,433 $658 $26,320 3,884 $17,190 $12.65 $12.01 1.6 1.1 $625 $15.98 $11.32 2.0 1.4 $588 18% Delaware County $20,880 $831 $1,740 $522 $69,600 11,991 $33,240 $555 1.8 $10.68 $14.60 $16,170 32% 1.4 $759 $1,348 $404 $53,900 10,113 Erie County $30,360 $20,880 $15.98 $8.36 2.0 Fairfield County 15,428 $69,600 $522 $1,740 $831 $33,240 28% 1.9 $435 39% Fayette County $46,300 $347 $1,158 $742 $29,680 4,461 $13,890 $14.27 $10.75 1.8 1.3 $559 $33,240 Franklin County 216,242 $69,600 $522 $1,740 $831 $773 46% $20,880 $15.98 $14.87 2.0 1.1 $695 $493 $9.48 $13.37 $18,300 21% $27,800 1.7 $1,525 $458 $61,000 3,440 Fulton County 1.4 $509 1.3 $9.79 $12.65 $15,060 25% $26,320 $658 $1,255 $377 $50,200 2,857 Gallia County 1.6 $492 1.6 Geauga County 5,014 $66,600 $500 $1,665 $773 $30,920 14% $19,980 $14.87 $9.47 1.8 $29,720 1.3 20,859 $59,500 $446 $1,488 $743 Greene County 33% $17,850 $14.29 $10.94 1.8 $569 1.6 1.2 $532 Guernsey County 4,035 $50,000 $375 $1,250 $658 $26,320 26% $15,000 $12.65 $10.23 $15.13 $31,480 134,878 $70,700 $530 $1,768 $743 1.1 1.9 $14.28 $787 $21,210 41% Hamilton County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 173 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

180 Ohio HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Renter % of total Monthly rent affordable affordable minimum wage hourly mean 1 afford 2 BR wage needed to 2 BR to afford Annual affordable seholds hou households at 30% at mean renter wage needed to afford 30% 5 3 2 4 afford 2 BR FMR FM AM 2 BR FMR R I (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) of AMI 29% Hancock County $69,600 $522 $1,740 $697 $27,880 9,037 $20,880 $13.40 $12.00 1.7 1.1 $624 30% $524 1.3 1.6 $10.07 $12.96 $16,050 Hardin County $26,960 $674 $1,338 $401 $53,500 3,481 $26,320 $699 1,407 $50,000 $375 $1,250 $658 Harrison County 22% $15,000 $12.65 $13.44 1.6 0.9 1.3 $473 $63,000 2,259 Henry County $9.98 $12.65 $18,900 20% $26,320 $519 $658 $1,575 1.6 29% $436 $359 $1,198 $658 Highland County $26,320 $47,900 $14,370 $12.65 $8.39 1.6 1.5 4,835 2,903 $54,200 $407 $1,355 $658 $26,320 25% Hocking County $16,260 $12.65 $7.15 1.6 1.8 $372 $16,410 Holmes County $54,700 $410 $1,368 $658 23% 2,850 $12.65 $11.46 1.6 1.1 $596 $26,320 $525 1.3 1.6 $10.09 $12.65 $17,340 27% $26,320 $658 $1,445 $434 $57,800 6,132 Huron County 31% Jackson County 1.4 1.6 $9.27 $12.65 $13,770 $482 $658 $1,148 $344 $45,900 4,115 $26,320 1.4 $475 Jefferson County 8,109 $50,600 $380 $1,265 $658 $26,320 29% $15,180 $12.65 $9.13 1.6 29% $567 $61,100 $458 $1,528 $667 $26,680 6,637 $18,330 $12.83 $10.89 1.6 1.2 Knox County 1.3 Lake County 23,623 $66,600 $500 $1,665 $773 $30,920 25% $19,980 $14.87 $11.45 1.8 $595 $463 Lawrence County 6,123 $54,800 $411 $1,370 $658 $26,320 26% $16,440 $12.65 $8.89 1.6 1.4 $483 1.7 17,629 $69,600 $522 $1,740 $831 $33,240 27% $20,880 $15.98 $9.28 2.0 Licking County $28,440 1.1 1.7 $12.07 $13.67 $16,560 26% $627 $711 $1,380 $414 $55,200 4,824 Logan County 1.8 $10.07 $14.87 $19,980 28% $30,920 $524 $1,665 $500 $66,600 33,163 Lorain County 1.5 $773 1.7 1.2 $579 Lucas County 68,410 $61,000 $458 $1,525 $695 $27,800 38% $18,300 $13.37 $11.13 29% Madison County $69,600 $522 $1,740 $831 $33,240 4,293 $20,880 $15.98 $11.36 2.0 1.4 $591 $12.69 $9.19 1.6 1.4 $478 31% Mahoning County $16,170 $660 $1,348 $404 $53,900 30,430 $26,400 $547 1.7 $10.53 $13.92 $16,740 32% 1.3 $724 $1,395 $419 $55,800 7,767 Marion County $28,960 $19,980 $14.87 $9.97 1.8 Medina County 13,770 $66,600 $500 $1,665 $773 $30,920 21% 1.5 $519 20% Meigs County $46,000 $345 $1,150 $658 $26,320 1,927 $13,800 $12.65 $8.04 1.6 1.6 $418 $26,400 Mercer County 3,603 $66,500 $499 $1,663 $660 $489 23% $19,950 $12.69 $9.40 1.6 1.4 $743 $569 $10.94 $14.29 $17,850 30% $29,720 1.8 $1,488 $446 $59,500 12,159 Miami County 1.3 $565 1.2 $10.87 $12.65 $14,370 23% $26,320 $658 $1,198 $359 $47,900 1,369 Monroe County 1.6 $644 1.2 Montgomery County 85,450 $59,500 $446 $1,488 $743 $29,720 38% $17,850 $14.29 $12.39 1.8 $26,320 1.9 1,393 $46,100 $346 $1,153 $658 Morgan County 23% $13,830 $12.65 $6.80 1.6 $354 2.0 2.0 $423 Morrow County 2,305 $69,600 $522 $1,740 $831 $33,240 18% $20,880 $15.98 $8.13 $13.10 $27,240 11,076 $49,600 $372 $1,240 $498 1.4 1.6 $9.57 $681 $14,880 32% Muskingum County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 174 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

181 Ohio AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 5 3 2 4 afford 2 BR FMR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 18% Noble County $44,300 $332 $1,108 $658 $26,320 886 $13,290 $12.65 $9.72 1.6 1.3 $506 20% $601 1.1 1.6 $11.56 $13.21 $20,100 Ottawa County $27,480 $687 $1,675 $503 $67,000 3,496 $26,320 $477 1,808 $59,800 $449 $1,495 $658 Paulding County 23% $17,940 $12.65 $9.17 1.6 1.4 1.6 $376 $50,100 3,608 Perry County $8.04 $12.65 $15,030 26% $26,320 $418 $658 $1,253 1.6 27% $549 $522 $1,740 $831 Pickaway County $33,240 $69,600 $20,880 $15.98 $10.56 2.0 1.5 5,163 3,265 $47,700 $358 $1,193 $658 $26,320 30% Pike County $14,310 $12.65 $13.43 1.6 0.9 $699 $20,070 Portage County $66,900 $502 $1,673 $786 31% 18,867 $15.12 $10.07 1.9 1.5 $524 $31,440 $536 1.3 1.6 $10.30 $13.00 $17,700 23% $27,040 $676 $1,475 $443 $59,000 3,790 Preble County 17% Putnam County 1.4 1.6 $9.39 $12.92 $22,200 $488 $672 $1,850 $555 $74,000 2,219 $26,880 1.2 $538 Richland County 15,007 $50,500 $379 $1,263 $658 $26,320 31% $15,150 $12.65 $10.35 1.6 29% $588 $48,500 $364 $1,213 $658 $26,320 8,142 $14,550 $12.65 $11.31 1.6 1.1 Ross County 1.2 Sandusky County 6,129 $58,100 $436 $1,453 $658 $26,320 26% $17,430 $12.65 $10.22 1.6 $532 $390 Scioto County 9,185 $55,100 $413 $1,378 $658 $26,320 31% $16,530 $12.65 $7.50 1.6 1.7 $549 1.2 6,075 $55,600 $417 $1,390 $658 $26,320 28% $16,680 $12.65 $10.56 1.6 Seneca County $27,760 0.9 1.6 $14.37 $13.35 $18,750 27% $747 $694 $1,563 $469 $62,500 4,955 Shelby County 1.6 $10.45 $13.15 $18,330 31% $27,360 $543 $1,528 $458 $61,100 45,846 Stark County 1.3 $684 1.9 1.3 $606 Summit County 72,754 $66,900 $502 $1,673 $786 $31,440 33% $20,070 $15.12 $11.66 29% Trumbull County $53,900 $404 $1,348 $660 $26,400 24,831 $16,170 $12.69 $10.25 1.6 1.2 $533 $14.12 $9.96 1.7 1.4 $518 28% Tuscarawas County $15,690 $734 $1,308 $392 $52,300 10,135 $29,360 $744 1.9 $14.31 $15.56 $24,540 23% 1.1 $809 $2,045 $614 $81,800 4,227 Union County $32,360 $17,670 $12.65 $11.23 1.6 Van Wert County 2,718 $58,900 $442 $1,473 $658 $26,320 24% 1.1 $584 $12,840 $407 $321 $1,070 $658 $26,320 25% $42,800 $12.65 $7.83 1.6 1.6 Vinton County 1,289 Warren County 1.2 1.9 $12.33 $15.13 $21,210 23% $31,480 $787 $1,768 $530 $70,700 17,541 $641 1.2 1.6 $10.17 $12.65 $17,100 25% $658 $1,425 $428 $57,000 6,133 Washington County $529 $26,320 1.6 $11.34 $13.17 $18,540 27% $27,400 $685 $590 $1,545 $464 $61,800 11,404 Wayne County 1.2 $26,320 $532 1.6 $10.23 $12.65 $16,110 25% 1.2 $1,343 $403 $53,700 3,790 Williams County $658 1.7 1.2 $574 Wood County 16,275 $61,000 $458 $1,525 $695 $27,800 33% $18,300 $13.37 $11.05 $12.65 $26,320 2,671 $58,500 $439 $1,463 $596 1.1 1.6 $11.45 $658 $17,550 29% Wyandot County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 175 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

182 S TAT E OKLAHOMA RANKING . In order to $745 In Oklahoma, the Fair Market Rent (FMR) for a two-bedroom apartment is * 43 afford this level of rent and utilities — without paying more than 30% of income on housing — $29,796 monthly or $2,483 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.33 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Beckham County Minimum Wage $7.25 $15.90 $13.43 Canadian County Average Renter Wage $15.21 2-Bedroom Housing Wage Cleveland County $15.21 $14.33 485,544 Number of Renter Households $15.21 Logan County Percent Renters 33% $15.21 McClain County (tied with 1 other) $745 Two bedroom FMR 79 $1,465 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $698 renter wage ––––––––––––– $439 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2 $232 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 176 OUT OF REACH 2016

183 Oklahoma HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households needed to afford renter wage at 30% at mean 30% 2 5 4 3 afford 2 BR FMR AMI 2 BR FMR FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Oklahoma $14.33 485,544 $439 $698 1.1 $13.43 2.0 33% $29,796 $745 $1,465 $17,576 $58,586 Combined Nonmetro Areas 157,743 $393 $15,724 $52,414 $1,310 $633 1.1 1.8 $12.16 $13.10 31% $27,251 $681 Metropolitan Areas 583 $376 1.7 1.7 $7.24 $12.65 $17,460 $26,320 $658 $1,455 $437 $58,200 Cotton County HMFA 24% $12.65 $26,320 $365 $48,700 Fort Smith HMFA 29% $14,610 $1,218 $6.91 1.7 1.8 $359 4,515 $658 4,718 $58,600 $440 $1,465 $658 $26,320 24% $17,580 $12.65 $9.74 1.7 1.3 $506 Grady County HMFA 19,359 Lawton HMFA $56,600 $425 $1,415 $742 $29,680 44% $16,980 $14.27 $11.87 2.0 1.2 $617 $12.65 Le Flore County HMFA $1,140 $658 $26,320 26% $13,680 $342 $9.58 1.7 1.3 $498 4,816 $45,600 Lincoln County HMFA $54,900 $412 $1,373 $658 $26,320 23% $16,470 $12.65 $8.71 1.7 1.5 $453 3,087 $19,320 Oklahoma City HMFA $483 $1,610 $791 $31,640 36% $64,400 $15.21 $13.92 2.1 1.1 $724 165,741 $10.24 $12.65 Okmulgee County HMFA $15,000 31% $26,320 $658 $1,250 $375 $50,000 4,591 $532 1.2 1.7 24% 1.7 $57,600 $432 $1,440 $658 $26,320 Pawnee County HMFA $17,280 $12.65 $12.51 1.0 $650 1,549 118,842 $760 1.0 $14.61 Tulsa HMFA $61,900 $464 $1,548 $783 $31,320 34% $18,570 $15.06 2.1 Counties Adair County $473 $40,000 2,351 $1,000 $658 $26,320 30% $12,000 $12.65 $9.10 1.7 1.4 $300 $658 $883 $16.99 $12.65 $17,730 25% $26,320 1.7 $1,478 $443 $59,100 510 Alfalfa County 0.7 1.5 1.7 $8.30 $12.65 $12,840 24% $26,320 $658 $1,070 $321 $42,800 1,247 Atoka County $432 $26,320 $12.65 505 $62,100 $466 $1,553 $658 Beaver County 24% $883 0.7 1.7 $16.99 $18,630 0.9 37% $33,080 $827 $1,563 $469 $15.90 $62,500 2,882 $895 Beckham County $18,750 $17.20 2.2 $15,870 Blaine County $397 $1,323 $658 $26,320 27% $52,900 $12.65 $14.32 1.7 0.9 $745 999 Bryan County 6,082 $48,700 $365 $1,218 $692 $27,680 36% $14,610 $13.31 $10.56 1.8 1.3 $549 29% Caddo County $49,500 $371 $1,238 $658 $26,320 2,949 $608 1.1 1.7 $11.69 $12.65 $14,850 $31,640 $791 $1,610 $698 $64,400 9,639 1.1 2.1 $13.41 $15.21 Canadian County $19,320 23% $483 $13.15 $688 1.0 1.8 $13.23 $16,140 30% $27,360 Carter County 5,252 $53,800 $404 $1,345 $684 $50,700 $385 1.7 1.7 $7.40 $12.65 $15,210 34% Cherokee County 5,785 $26,320 $380 $1,268 $658 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 177 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

184 Oklahoma HOUSING COSTS RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR seholds affordable hou households needed to afford renter wage at mean at 30% 30% 5 2 4 3 afford 2 BR FMR FMR AMI 2 BR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI 30% Choctaw County $43,100 $323 $1,078 $658 $26,320 1,842 $12,930 $12.65 $7.75 1.7 1.6 $403 28% $570 1.2 1.7 $10.96 $12.65 $15,270 Cimarron County $26,320 $658 $1,273 $382 $50,900 276 $31,640 $499 33,017 $64,400 $483 $1,610 $791 Cleveland County 34% $19,320 $15.21 $9.60 2.1 1.6 $8.86 $13,830 $461 28% $26,320 $658 $1,153 $346 $46,100 1.7 656 Coal County $12.65 1.4 $16,980 $617 $425 $1,415 $742 $29,680 44% $56,600 $14.27 $11.87 2.0 1.2 Comanche County 19,359 Cotton County 1.7 1.7 $7.24 $12.65 $17,460 24% $26,320 $658 $1,455 $437 $58,200 583 $376 1.2 1.7 $10.88 $12.65 $15,480 22% $658 $1,290 $387 $51,600 1,197 Craig County $566 $26,320 $616 $11.84 $15.06 $18,570 24% $31,320 $783 1.3 $1,548 $464 $61,900 6,387 Creek County 2.1 $26,320 $711 1.7 $13.66 $12.65 $17,520 40% 0.9 $658 $438 $58,400 4,117 Custer County $1,460 $8.62 1.7 1.5 $448 Delaware County 3,782 $46,900 $352 $1,173 $658 $26,320 23% $14,070 $12.65 27% $996 $59,400 $446 $1,485 $678 $27,120 505 $17,820 $13.04 $19.15 1.8 0.7 Dewey County $16.78 Ellis County 409 $61,100 $458 $1,528 $729 $29,160 23% $18,330 $14.02 1.9 0.8 $873 $871 Garfield County 8,118 $55,000 $413 $1,375 $693 $27,720 34% $16,500 $13.33 $16.75 1.8 0.8 1.7 $14.69 3,102 $48,600 $365 $1,215 $658 $26,320 30% $14,580 $12.65 0.9 $764 Garvin County $26,320 $9.74 1.3 1.7 $12.65 $17,580 24% $506 $658 $1,465 $440 $58,600 4,718 Grady County $12.65 $26,320 $658 $1,500 1.7 $60,000 488 Grant County $20.02 $18,000 25% 0.6 $1,041 $450 $13.75 $8.81 1.9 1.6 $458 Greer County 738 $50,000 $375 $1,250 $715 $28,600 33% $15,000 32% Harmon County $37,600 $282 $940 $658 $26,320 380 $11,280 $12.65 $10.25 1.7 1.2 $533 $12.65 $13.01 1.7 1.0 $677 22% Harper County $15,720 $658 $1,310 $393 $52,400 322 $26,320 $473 1.7 $9.09 $12.65 $14,310 27% 1.4 $658 $1,193 $358 $47,700 1,299 Haskell County $26,320 $26,320 23% $13,860 $552 $12.65 1.2 Hughes County 1,060 $46,200 $347 $1,155 $658 $10.62 1.7 41% Jackson County $53,000 $398 $1,325 $678 $27,120 4,242 $15,900 $13.04 $11.26 1.8 1.2 $586 $26,320 Jefferson County 619 $41,900 $314 $1,048 $658 $473 25% $12,570 $12.65 $9.09 1.7 1.4 $658 $594 $11.42 $12.65 $12,270 28% $26,320 1.7 $1,023 $307 $40,900 1,199 Johnston County 1.1 1.8 $12.79 $12.96 1.0 $15,480 30% $26,960 $674 $1,290 $387 $51,600 5,460 Kay County $665 $806 $15.50 Kingfisher County 1,326 $63,200 $474 $1,580 $664 $26,560 23% $18,960 $12.77 1.8 0.8 $26,320 1.4 1,355 $47,200 $354 $1,180 $658 Kiowa County 34% $14,160 $12.65 $9.24 1.7 $480 $12.65 $12.62 1.7 1.0 $656 Latimer County 1,323 $51,200 $384 $1,280 $658 $26,320 32% $15,360 $12.65 $26,320 4,816 $45,600 $342 $1,140 $498 1.3 1.7 $9.58 $658 $13,680 26% Le Flore County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 178 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

185 Oklahoma HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR seholds affordable hou households needed to afford renter wage at mean at 30% 30% 5 2 4 3 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI 23% Lincoln County $54,900 $412 $1,373 $658 $26,320 3,087 $16,470 $12.65 $8.71 1.7 1.5 $453 22% $423 1.9 2.1 $8.13 $15.21 $19,320 Logan County $31,640 $791 $1,610 $483 $64,400 3,281 $26,320 $448 826 $52,100 $391 $1,303 $658 Love County 25% $15,630 $12.65 $8.62 1.7 1.5 $9.87 $19,320 $513 20% $31,640 $791 $1,610 $483 $64,400 2.1 2,569 McClain County $15.21 1.5 $12,390 $568 $310 $1,033 $658 $26,320 31% $41,300 $12.65 $10.93 1.7 1.2 McCurtain County 3,974 McIntosh County 1.8 1.7 $6.86 $12.65 $13,680 22% $26,320 $658 $1,140 $342 $45,600 1,758 $357 0.8 1.7 $15.74 $12.65 $18,570 25% $658 $1,548 $464 $61,900 777 Major County $819 $26,320 $542 $10.41 $13.21 $14,700 21% $27,480 $687 1.3 $1,225 $368 $49,000 1,274 Marshall County 1.8 $26,400 $610 1.8 $11.73 $12.69 $16,230 26% 1.1 $660 $406 $54,100 4,093 Mayes County $1,353 $12.14 1.8 1.1 $631 Murray County 1,586 $54,700 $410 $1,368 $663 $26,520 30% $16,410 $12.75 33% $468 $51,600 $387 $1,290 $675 $27,000 8,646 $15,480 $12.98 $8.99 1.8 1.4 Muskogee County $13.34 Noble County 1,153 $56,500 $424 $1,413 $658 $26,320 25% $16,950 $12.65 1.7 0.9 $693 $479 Nowata County 858 $50,000 $375 $1,250 $705 $28,200 21% $15,000 $13.56 $9.20 1.9 1.5 1.7 $7.83 1,116 $44,600 $335 $1,115 $658 $26,320 27% $13,380 $12.65 1.6 $407 Okfuskee County $31,640 $14.81 1.0 2.1 $15.21 $19,320 41% $770 $791 $1,610 $483 $64,400 117,235 Oklahoma County $12.65 $26,320 $658 $1,250 1.7 $50,000 4,591 Okmulgee County $10.24 $15,000 31% 1.2 $532 $375 $15.06 $9.62 2.1 1.6 $500 Osage County 4,120 $61,900 $464 $1,548 $783 $31,320 22% $18,570 29% Ottawa County $45,300 $340 $1,133 $677 $27,080 3,430 $13,590 $13.02 $8.77 1.8 1.5 $456 $12.65 $12.51 1.7 1.0 $650 24% Pawnee County $17,280 $658 $1,440 $432 $57,600 1,549 $26,320 $527 1.9 $10.14 $13.88 $17,490 49% 1.4 $722 $1,458 $437 $58,300 14,889 Payne County $28,880 $28,520 28% $15,660 $594 $13.71 1.2 Pittsburg County 5,219 $52,200 $392 $1,305 $713 $11.42 1.9 34% Pontotoc County $54,100 $406 $1,353 $682 $27,280 4,983 $16,230 $13.12 $9.30 1.8 1.4 $484 $27,840 Pottawatomie County 7,906 $53,600 $402 $1,340 $696 $489 30% $16,080 $13.38 $9.41 1.8 1.4 $658 $394 $7.58 $12.65 $11,970 26% $26,320 1.7 $998 $299 $39,900 1,227 Pushmataha County 1.7 1.7 $12.35 $12.65 1.0 $18,960 24% $26,320 $658 $1,580 $474 $63,200 317 Roger Mills County $642 $681 $13.09 Rogers County 7,127 $61,900 $464 $1,548 $783 $31,320 22% $18,570 $15.06 2.1 1.2 $26,320 1.2 2,427 $43,900 $329 $1,098 $658 Seminole County 26% $13,170 $12.65 $10.53 1.7 $547 $12.65 $6.91 1.7 1.8 $359 Sequoyah County 4,515 $48,700 $365 $1,218 $658 $26,320 29% $14,610 $12.77 $26,560 5,307 $59,400 $446 $1,485 $695 1.0 1.8 $13.36 $664 $17,820 30% Stephens County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 179 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

186 Oklahoma AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Monthly rent % of total Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual affordable hou seholds households needed to afford renter wage at mean at 30% 30% 4 5 3 2 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR renter wage of AMI of AMI 37% Texas County $59,200 $444 $1,480 $682 $27,280 2,680 $17,760 $13.12 $13.42 1.8 1.0 $698 $26,320 Tillman County 804 $46,700 $350 $1,168 $658 $558 27% $14,010 $12.65 $10.74 1.7 1.2 $783 $781 $15.01 $15.06 $18,570 39% $31,320 2.1 $1,548 $464 $61,900 95,999 Tulsa County 1.0 2.1 $540 $10.39 1.4 $18,570 19% $31,320 $783 $1,548 $464 $61,900 5,209 Wagoner County $15.06 $809 $18,090 Washington County 5,644 $60,300 $452 $1,508 $691 $27,640 27% $13.29 $15.55 1.8 0.9 $26,320 0.9 1,349 $55,300 $415 $1,383 $658 Washita County 29% $16,590 $12.65 $14.38 1.7 $748 $12.65 $14.04 1.7 0.9 $730 Woods County 1,073 $66,800 $501 $1,670 $658 $26,320 32% $20,040 $13.10 $27,240 2,050 $64,800 $486 $1,620 $801 0.8 1.8 $15.41 $681 $19,440 28% Woodward County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 180 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

187 OREGON S TAT E RANKING . In order to $1,008 In Oregon, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 18 $40,318 monthly or $3,360 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $19.38 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Clackamas County Minimum Wage $9.25 $23.23 $13.87 Columbia County Average Renter Wage $23.23 2-Bedroom Housing Wage Multnomah County $23.23 $19.38 586,182 Number of Renter Households $23.23 Washington County Percent Renters 38% $23.23 Yamhill County $1,008 Two bedroom FMR 84 $1,600 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $721 renter wage ––––––––––––– $480 Rent affordable at 30% of AMI Rent affordable with full-time job paying $481 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 181 OUT OF REACH 2016

188 Oregon HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households needed to afford renter wage at mean at 30% 30% 3 2 4 5 afford 2 BR FMR 2 BR FMR AMI FMR (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR renter wage of AMI of AMI Oregon $19.38 1.4 $1,600 $1,008 $40,318 38% $64,014 $13.87 $721 $480 586,182 2.1 $19,204 Combined Nonmetro Areas $14.22 $10.52 1.5 1.4 $547 $739 $29,571 $52,416 $15,725 $393 89,745 $1,310 34% Metropolitan Areas 34% 1.4 1.7 $11.07 $15.96 $16,080 $576 $33,200 $830 $1,340 $402 $53,600 15,413 Albany MSA Bend-Redmond MSA $17,910 35% $33,080 $827 $1,493 $448 $15.90 $11.86 1.7 1.3 $617 22,742 $59,700 $22,950 14,208 $574 $1,913 $838 $33,520 43% $76,500 $16.12 $9.99 1.7 1.6 $519 Corvallis MSA $17,670 $58,900 $442 $1,473 $909 $36,360 41% 59,271 $586 1.6 1.9 $11.27 $17.48 Eugene-Springfield MSA 34% $35,160 $879 $1,195 $359 $47,800 Grants Pass MSA 11,609 $536 1.6 1.8 $10.32 $16.90 $14,340 $15,990 Medford MSA $400 $1,333 $858 $34,320 38% $53,300 $16.50 $11.92 1.8 1.4 $620 31,160 $21,990 $48,320 Portland-Vancouver-Hillsboro MSA $73,300 $550 $1,833 $1,208 $23.23 $16.11 2.5 1.4 $838 286,057 40% 39% $16,950 $56,500 $424 $1,413 $797 $31,880 Salem MSA $15.33 $10.86 1.7 1.4 $565 55,977 Counties $9.18 $12.71 $15,750 34% $26,440 $477 $661 $1,313 $394 $52,500 2,456 Baker County 1.4 1.4 $9.99 1.7 43% $33,520 $838 $1,913 $16.12 $574 $76,500 14,208 Benton County 1.6 $519 $22,950 $21,990 Clackamas County $550 $1,833 $1,208 $48,320 32% $73,300 $23.23 $14.18 2.5 1.6 $737 46,538 Clatsop County 5,876 $56,300 $422 $1,408 $814 $32,560 37% $16,890 $15.65 $10.53 1.7 1.5 $548 27% Columbia County $73,300 $550 $1,833 $1,208 $48,320 5,034 $21,990 $23.23 $8.39 2.5 2.8 $436 $506 Coos County 8,739 $49,100 $368 $1,228 $740 $29,600 34% $14,730 $14.23 $9.73 1.5 1.5 $688 Crook County $49,800 $374 $1,245 $27,520 32% $14,940 $13.23 $13.74 1.4 1.0 $714 2,832 $15,030 Curry County $376 $1,253 $849 $33,960 35% $50,100 $16.33 $12.63 1.8 1.3 $657 3,565 Deschutes County 22,742 $59,700 $448 $1,493 $827 $33,080 35% $17,910 $15.90 $11.86 1.7 1.3 $617 31% Douglas County $50,700 $380 $1,268 $716 $28,640 13,737 $15,210 $13.77 $11.41 1.5 1.2 $593 Gilliam County $856 1.4 0.8 $16.46 $12.67 $17,460 38% $26,360 $659 $1,455 $437 $58,200 336 $12.65 $8.52 1.4 1.5 $443 Grant County 836 $47,200 $354 $1,180 $658 $26,320 26% $14,160 $12.65 $26,320 997 $43,700 $328 $1,093 $506 1.3 1.4 $9.73 $658 $13,110 32% Harney County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 182 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

189 Oregon RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR 2 BR Annual to afford seholds affordable hou households renter wage needed to afford 30% at mean at 30% 2 4 3 5 afford 2 BR FMR FM 2 BR FMR R I AM at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR of AMI of AMI renter wage 36% Hood River County $66,100 $496 $1,653 $880 $35,200 2,957 $19,830 $16.92 $10.08 1.8 1.7 $524 38% $620 1.4 1.8 $11.92 $16.50 $15,990 Jackson County $34,320 $858 $1,333 $400 $53,300 31,160 $26,320 $583 2,662 $47,300 $355 $1,183 $658 Jefferson County 34% $14,190 $12.65 $11.21 1.4 1.1 1.6 $47,800 11,609 Josephine County $10.32 $536 $16.90 $14,340 34% $35,160 $879 $1,195 $359 1.8 34% Klamath County $49,100 $368 $1,228 $721 $28,840 9,293 $14,730 $13.87 $10.11 1.5 1.4 $526 $548 Lake County 1,322 $48,800 $366 $1,220 $658 $26,320 37% $14,640 $12.65 $10.54 1.4 1.2 41% $586 $58,900 $442 $1,473 $909 $36,360 59,271 $17,670 $17.48 $11.27 1.9 1.6 Lane County 1.4 Lincoln County 7,232 $55,200 $414 $1,380 $817 $32,680 35% $16,560 $15.71 $10.93 1.7 $568 1.4 $576 Linn County 15,413 $53,600 $402 $1,340 $830 $33,200 34% $16,080 $15.96 $11.07 1.7 $26,320 $410 4,050 $47,000 $353 $1,175 $658 Malheur County 40% $14,100 $12.65 $7.88 1.4 1.6 $582 $797 Marion County 46,033 $56,500 $424 $1,413 $31,880 40% $16,950 $15.33 $11.20 1.7 1.4 30% $607 $54,000 $405 $1,350 $658 $26,320 1,121 $16,200 $12.65 $11.67 1.4 1.1 Morrow County $784 Multnomah County 142,989 $73,300 $550 $1,833 $1,208 $48,320 46% $21,990 $23.23 $15.08 2.5 1.5 1.7 1.9 $420 Polk County 9,944 $56,500 $424 $1,413 $797 $31,880 35% $16,950 $15.33 $8.08 35% Sherman County $14.60 $15.08 1.6 1.0 $784 279 $58,600 $440 $1,465 $759 $30,360 $17,580 $15,780 29% $9.40 1.6 1.6 $489 $30,640 $14.73 $766 $1,315 $395 $52,600 2,991 Tillamook County Umatilla County $17,490 $14.31 $11.54 1.5 1.2 $600 10,331 $58,300 $437 $1,458 $744 $29,760 38% $26,960 36% $15,990 $12.96 $8.72 1.4 Union County 3,638 $53,300 $400 $1,333 $674 1.5 $453 30% Wallowa County $56,000 $420 $1,400 $658 $26,320 896 $16,800 $12.65 $6.93 1.4 1.8 $360 1.5 $512 1.6 $9.85 $14.92 $16,500 35% Wasco County $776 $1,375 $413 $55,000 3,405 $31,040 $1,021 80,240 $73,300 $550 $1,833 $1,208 Washington County 39% $21,990 $23.23 $19.64 2.5 1.2 $48,320 $14,430 29% $26,320 $658 $1,203 $361 $48,100 194 Wheeler County 1.4 $11.24 $12.65 $584 1.1 2.5 2.1 $578 Yamhill County 11,256 $73,300 $550 $1,833 $1,208 $48,320 33% $21,990 $23.23 $11.11 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 183 OUT OF REACH 2016 •

190 S TAT E PENNSYLVANIA RANKING . In order to $950 In Pennsylvania, the Fair Market Rent (FMR) for a two-bedroom apartment is * 20 afford this level of rent and utilities — without paying more than 30% of income on housing — $38,000 monthly or $3,167 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $18.27 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Bucks County Minimum Wage $7.25 $23.27 $13.80 Chester County Average Renter Wage $23.27 2-Bedroom Housing Wage Delaware County $23.27 $18.27 1,511,506 Number of Renter Households $23.27 Montgomery County Percent Renters 30% $23.27 Philadelphia County $950 Two bedroom FMR 101 $1,758 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $718 renter wage ––––––––––––– $527 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.5 $227 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 184 OUT OF REACH 2016

191 Pennsylvania AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households renter wage needed to afford at mean at 30% 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI Pennsylvania $527 1.3 $21,098 $70,326 2.5 1,511,506 $38,000 $718 $1,758 $13.80 $18.27 30% $950 Combined Nonmetro Areas $26,240 25% $12.62 $10.10 1.7 1.2 $525 $656 $56,033 $16,810 $420 147,753 $1,401 Metropolitan Areas 30% Allentown-Bethlehem-Easton HMFA $68,900 $517 $1,723 $998 $39,920 80,843 $20,670 $19.19 $12.51 2.6 1.5 $651 $15.60 $507 14,240 $32,440 $811 $1,440 $432 $9.75 $57,600 Altoona MSA 28% 1.6 $17,280 2.2 $16,830 Armstrong County HMFA $421 $1,403 $650 $26,000 24% $56,100 $12.50 $11.33 1.7 1.1 $589 6,798 $595 15,978 1.5 2.3 $11.44 $16.83 $20,970 Chambersburg-Waynesboro MSA $35,000 $875 $1,748 $524 $69,900 27% 7,819 $59,600 $447 $1,490 $743 $29,720 Columbia County HMFA $17,880 $14.29 $8.47 2.0 1.7 $440 30% $18.21 $19,170 21% $37,880 $947 $1,598 $479 $63,900 East Stroudsburg MSA 2.5 $498 11,826 1.9 $9.58 $9.69 2.0 1.5 $504 36,739 Erie MSA $57,900 $434 $1,448 $742 $29,680 33% $17,370 $14.27 23% 8,756 $68,500 $514 $1,713 $892 $35,680 Gettysburg MSA $20,550 $17.15 $9.56 2.4 1.8 $497 70,533 $72,500 Harrisburg-Carlisle MSA $544 $1,813 $886 $35,440 32% $21,750 $17.04 $14.03 2.4 1.2 $729 $16,830 15,167 $421 $1,403 $638 $25,520 26% $56,100 $12.27 $8.77 1.7 1.4 $456 Johnstown MSA 2.4 Lancaster MSA $69,300 $520 $1,733 $897 $35,880 31% $20,790 $17.25 59,599 $612 1.5 $11.77 $15.06 $10.49 2.1 1.4 $545 14,791 Lebanon MSA $65,200 $489 $1,630 $783 $31,320 29% $19,560 $16.13 Montour County HMFA 2.2 0.9 $901 1,997 $63,900 $479 $1,598 $839 $33,560 27% $19,170 $17.32 34% $23.27 1.3 $911 517,789 $24,090 $17.53 3.2 $48,400 $1,210 $2,008 $602 $80,300 Philadelphia-Camden-Wilmington MSA * Pike County HMFA $7.41 3.1 3.0 $385 3,269 $70,500 $529 $1,763 $1,163 $46,520 15% $21,150 $22.37 $827 $33,080 30% $21,360 1.2 $699 291,021 $15.90 Pittsburgh HMFA $71,200 $534 $1,780 $13.43 2.2 $21,300 Reading MSA $533 $1,775 $892 $35,680 28% $71,000 $17.15 $11.80 2.4 1.5 $614 43,504 $550 72,531 1.3 1.9 $10.58 $13.60 $18,120 Scranton--Wilkes-Barre MSA $28,280 $707 $1,510 $453 $60,400 32% 11,972 $59,000 $443 $1,475 $686 $27,440 Sharon HMFA $17,700 $13.19 $10.06 1.8 1.3 $523 26% 22,661 $22,080 40% $35,440 $886 $1,840 $552 $73,600 State College MSA $17.04 1.7 $518 2.4 $9.95 $14.50 $11.15 2.0 1.3 $580 13,819 Williamsport MSA $58,100 $436 $1,453 $754 $30,160 30% $17,430 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 185

192 Pennsylvania RENTER HOUSEHOLDS HOUSING COSTS FY16 HOUSING WAGE AREA MEDIAN INCOME (AMI) Monthly Monthly jobs at Hourly wage Full-time Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to 2 BR to afford Annual households households affordable needed to afford renter wage at mean at 30% 30% 5 4 2 3 afford 2 BR FMR AMI FMR 2 BR FMR (2010-2014) at AMI (2010-2014) (2016) 2 BR FMR renter wage of AMI of AMI 2.4 1.5 $604 42,101 York-Hanover MSA $70,300 $527 $1,758 $893 $35,720 25% $21,090 $17.17 $11.62 Counties Adams County $892 $1,713 $514 $68,500 8,756 $35,680 23% $20,550 $17.15 $9.56 2.4 1.8 $497 $21,360 $33,080 $770 1.1 2.2 $14.82 $15.90 Allegheny County 35% $827 $1,780 $534 $71,200 182,867 1.7 $11.33 $12.50 $16,830 24% $26,000 $650 1.1 $1,403 $421 $56,100 6,798 $589 Armstrong County $539 19,114 $71,200 $534 $1,780 $827 Beaver County 27% $21,360 $15.90 $10.36 2.2 1.5 $33,080 $638 $1,370 $411 $54,800 20% $12.27 $8.83 4,069 Bedford County $16,440 1.7 1.4 $459 $25,520 $614 43,504 $71,000 $533 $1,775 $892 Berks County 28% $21,300 $17.15 $11.80 2.4 1.5 $35,680 $507 Blair County 14,240 $57,600 $432 $1,440 $811 $32,440 28% $17,280 $15.60 $9.75 2.2 1.6 25% $644 $57,700 $433 $1,443 $650 $26,000 6,094 $17,310 $12.50 $12.38 1.7 1.0 Bradford County 1.8 Bucks County * 52,771 $80,300 $602 $2,008 $1,210 $48,400 23% $24,090 $23.27 $12.72 3.2 $661 $15.90 $11.68 2.2 1.4 $607 Butler County 17,509 $71,200 $534 $1,780 $827 $33,080 24% $21,360 26% $456 $56,100 $421 $1,403 $638 $25,520 15,167 $16,830 $12.27 $8.77 1.7 1.4 Cambria County $505 Cameron County 654 $54,200 $407 $1,355 $638 $25,520 30% $16,260 $12.27 $9.71 1.7 1.3 $39,920 2.2 2.6 $8.67 $19.19 $20,670 21% 5,406 $998 $1,723 $517 $68,900 Carbon County $451 40% $518 $73,600 $552 $1,840 $886 $35,440 22,661 $22,080 $17.04 $9.95 2.4 1.7 Centre County $17.55 Chester County * 45,734 $80,300 $602 $2,008 $1,210 $48,400 25% $24,090 $912 1.3 3.2 $23.27 $16,920 $12.27 $7.37 1.7 1.7 $383 Clarion County 4,723 $56,400 $423 $1,410 $638 $25,520 30% $15,570 Clearfield County $389 $1,298 $638 $25,520 23% $51,900 $12.27 $9.18 1.7 1.3 $477 7,250 28% 4,244 $57,300 $430 $1,433 $723 $28,920 $503 $17,190 $13.90 $9.67 1.9 1.4 Clinton County 30% Columbia County $59,600 $447 $1,490 $743 $29,720 7,819 $17,880 $14.29 $8.47 2.0 1.7 $440 $504 Crawford County 9,017 $56,500 $424 $1,413 $648 $25,920 26% $16,950 $12.46 $9.70 1.7 1.3 $35,440 $13.40 2.4 1.3 $697 $21,750 Cumberland County 27,857 $72,500 $544 $1,813 $886 $17.04 29% $72,500 $21,750 2.4 1.2 $768 Dauphin County 38,966 $14.78 $544 $1,813 $886 $35,440 36% $17.04 $23.27 61,481 $80,300 $602 $2,008 $1,210 $48,400 30% $24,090 $772 1.6 3.2 $14.84 Delaware County * 21% $25,520 $638 $1,420 $426 $56,800 2,759 Elk County $546 1.2 1.7 $10.49 $12.27 $17,040 $504 36,739 $57,900 $434 $1,448 $742 Erie County 33% $17,370 $14.27 $9.69 2.0 1.5 $29,680 $15.90 2.2 1.7 $480 28% $33,080 $827 $1,780 $534 $71,200 15,265 Fayette County $21,360 $9.23 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 186

193 Pennsylvania HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed affordable affordable Monthly rent % of total Renter minimum wage hourly mean 1 wage needed to afford 2 BR to afford 2 BR Annual at mean at 30% seholds hou households affordable renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR 2 BR FMR FM AM R I renter wage of AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI $25,520 Forest County † $347 $1,158 $638 $46,300 19% $13,890 $12.27 1.7 384 Franklin County $524 $69,900 $595 1.5 2.3 $11.44 $16.83 $20,970 27% $35,000 $875 $1,748 15,978 $57,800 1,287 Fulton County $654 1.0 1.7 $12.57 $12.27 $17,340 22% $25,520 $638 $1,445 $434 $25,520 0.7 3,864 $57,200 $429 $1,430 $638 Greene County 27% $17,160 $12.27 $18.19 1.7 $946 $12.27 $8.54 1.7 1.4 $444 4,098 $1,410 $638 $423 $56,400 $25,520 24% $16,920 Huntingdon County 29% Indiana County $58,100 $436 $1,453 $668 $26,720 9,845 $17,430 $12.85 $9.72 1.8 1.3 $505 1.2 $524 1.7 $10.08 $12.27 $15,840 26% Jefferson County $638 $1,320 $396 $52,800 4,759 $25,520 $465 2,097 $56,100 $421 $1,403 $638 Juniata County 22% $16,830 $12.27 $8.94 1.7 1.4 $25,520 $13.60 $18,120 $28,280 $707 $1,510 $453 $60,400 28,608 Lackawanna County $548 1.9 $10.54 1.3 34% 1.5 $612 Lancaster County 59,599 $69,300 $520 $1,733 $897 $35,880 31% $20,790 $17.25 $11.77 2.4 26% $469 $57,900 $434 $1,448 $676 $27,040 9,434 $17,370 $13.00 $9.01 1.8 1.4 Lawrence County $545 Lebanon County 14,791 $65,200 $489 $1,630 $783 $31,320 29% $19,560 $15.06 $10.49 2.1 1.4 $701 Lehigh County 44,182 $68,900 $517 $1,723 $998 $39,920 33% $20,670 $19.19 $13.48 2.6 1.4 $542 1.3 41,539 $60,400 $453 $1,510 $707 $28,280 32% $18,120 $13.60 $10.42 1.9 Luzerne County $30,160 1.3 2.0 $11.15 $14.50 $17,430 30% $580 $754 $1,453 $436 $58,100 13,819 Lycoming County 1.7 $9.62 $12.40 $15,840 27% $25,800 $500 $1,320 $396 $52,800 4,608 McKean County 1.3 $645 1.8 1.3 $523 Mercer County 11,972 $59,000 $443 $1,475 $686 $27,440 26% $17,700 $13.19 $10.06 28% Mifflin County $49,500 $371 $1,238 $638 $25,520 5,214 $14,850 $12.27 $11.05 1.7 1.1 $575 1.9 $498 $19,170 $9.58 2.5 Monroe County 21% $18.21 $947 $1,598 $479 $63,900 11,826 $37,880 $910 3.2 $17.50 $23.27 $24,090 27% 1.3 $1,210 $2,008 $602 $80,300 84,329 Montgomery County * $48,400 $16.13 $17.32 2.2 Montour County 1,997 $63,900 $479 $1,598 $839 $33,560 27% $19,170 0.9 $901 28% Northampton County $68,900 $517 $1,723 $998 $39,920 31,255 $20,670 $19.19 $11.38 2.6 1.7 $592 $26,840 Northumberland County 11,155 $54,000 $405 $1,350 $671 $515 28% $16,200 $12.90 $9.90 1.8 1.3 $886 $429 $8.26 $17.04 $21,750 21% $35,440 2.4 $1,813 $544 $72,500 3,710 Perry County 2.1 $1,068 1.1 $20.53 $23.27 $24,090 47% $48,400 $1,210 $2,008 $602 $80,300 273,474 Philadelphia County * 3.2 $385 3.0 Pike County 3,269 $70,500 $529 $1,763 $1,163 $46,520 15% $21,150 $22.37 $7.41 3.1 $25,520 1.2 1,524 $52,100 $391 $1,303 $638 Potter County 22% $15,630 $12.27 $9.98 1.7 $519 1.7 1.2 $546 Schuylkill County 14,702 $58,700 $440 $1,468 $638 $25,520 25% $17,610 $12.27 $10.50 $501 24% 3,515 $54,500 $409 $682 $1,363 Snyder County 1.4 1.8 $9.63 $13.12 $16,350 $27,280 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 187 OUT OF REACH 2016 •

194 Pennsylvania HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed % of total Renter affordable Monthly rent affordable minimum wage hourly mean 1 afford 2 BR wage needed to to afford 2 BR Annual seholds households hou at 30% at mean affordable needed to afford renter wage 30% 5 4 3 2 afford 2 BR FMR R FM 2 BR FMR AM I (2010-2014) (2010-2014) of AMI renter wage at AMI (2016) 2 BR FMR of AMI $1,430 1.7 1.2 Somerset County 6,533 $57,200 $429 $513 $638 $25,520 22% $17,160 $12.27 $9.87 $638 1.3 1.7 $9.21 $12.27 $15,660 17% $25,520 $1,305 $392 $52,200 414 Sullivan County $479 $27,040 $514 3,902 $59,100 $443 $1,478 $676 Susquehanna County 23% $17,730 $13.00 $9.88 1.8 1.3 $663 1.8 $11.07 $12.75 $16,320 25% $26,520 $575 $1,360 $408 $54,400 4,183 Tioga County 1.2 $548 $57,200 $429 $1,430 $740 $29,600 4,185 Union County $17,160 $14.23 $10.55 2.0 1.3 28% 1.3 $474 Venango County 5,303 $53,300 $400 $1,333 $638 $25,520 24% $15,990 $12.27 $9.11 1.7 $25,520 1.2 1.7 $10.23 $12.27 $17,370 23% $532 $638 $1,448 $434 $57,900 3,888 Warren County 2.2 $13.16 $15.90 $21,360 24% $33,080 $827 $1,780 $534 $71,200 19,864 Washington County $684 1.2 1.9 1.7 $418 Wayne County 4,049 $60,500 $454 $1,513 $699 $27,960 21% $18,150 $13.44 $8.04 $15.90 $33,080 $71,200 $534 24% $1,780 $21,360 36,402 $9.86 2.2 1.6 $513 $827 Westmoreland County 2,384 $60,400 $453 $1,510 $707 $28,280 22% Wyoming County 1.0 1.9 $13.20 $13.60 $18,120 $687 York County $70,300 $527 $1,758 $893 $35,720 25% 42,101 $17.17 $11.62 2.4 1.5 $604 $21,090 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 188 OUT OF REACH 2016 •

195 S TAT E PUERTO RICO RANKING * . In order to $498 In Puerto Rico, the Fair Market Rent (FMR) for a two-bedroom apartment is 52 afford this level of rent and utilities — without paying more than 30% of income on housing — a household must earn annually. Assuming a 40-hour work week, $19,930 monthly or $1,661 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $9.58 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS San Juan-Guaynabo HMFA Minimum Wage $7.25 $10.54 $6.91 Caguas HMFA Average Renter Wage $10.23 2-Bedroom Housing Wage Ceiba Municipio $9.87 $9.58 379,256 Number of Renter Households $9.87 Fajardo Municipio $9.87 Percent Renters 31% Luquillo Municipio $498 Two bedroom FMR 53 $594 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $359 renter wage ––––––––––––– $178 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 1.3 $0 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,000 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage OUT OF REACH 2016 NATIONAL LOW INCOME HOUSING COALITION 189 •

196 Puerto Rico AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage jobs at Full-time Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable households needed to afford renter wage at 30% at mean 30% 2 5 4 3 FMR afford 2 BR 2 BR FMR AMI FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Puerto Rico $7,133 379,256 $178 $359 1.4 $6.91 $9.58 31% $19,930 $498 $594 $23,775 1.3 Combined Nonmetro Areas 1.0 $5,700 $19,000 $475 $311 1.2 $143 $5.98 $7.23 26% $15,040 $376 13,192 Metropolitan Areas 31,847 Aguadilla-Isabela HMFA $18,400 $138 $460 $389 $15,560 32% $5,520 $7.48 $6.30 1.0 1.2 $327 $6,660 16,326 $22,200 $167 $555 $484 28% Arecibo HMFA $9.31 $5.89 1.3 1.6 $306 $19,360 $5.64 $7.31 $5,370 9,048 $15,200 $380 1.3 $448 $134 $17,900 Barranquitas-Aibonito HMFA $293 1.0 26% 30,702 $364 1.5 1.4 $7.01 $10.23 $8,010 $21,280 $532 $668 $200 $26,700 Caguas HMFA 28% $20,520 $513 $593 $178 $23,700 Fajardo HMFA 6,656 $359 1.4 1.4 $6.91 $9.87 $7,110 28% $4,320 $415 $410 1.0 1.1 $7.88 $7.98 7,642 27% Guayama MSA $14,400 $108 $360 $16,600 Mayagüez MSA 14,065 $243 1.9 1.2 $4.68 $8.73 $6,510 38% $18,160 $454 $543 $163 $21,700 31% 24,713 $20,300 $152 $508 $490 $19,600 Ponce HMFA $6,090 $9.42 $5.53 1.3 1.7 $288 41% 1.1 $4.65 $7.73 $16,080 $402 $435 $131 $17,400 Quebradillas Municipio HMFA $5,220 3,664 $242 1.7 $6,690 $15,440 $386 $558 $167 $22,300 San German MSA 34% 15,200 $285 1.4 1.0 $5.47 $7.42 $10.54 31% 195,195 $385 1.4 1.5 $7.41 San Juan-Guaynabo HMFA $26,700 $200 $668 $548 $21,920 $8,010 Utuado Municipio HMFA 3,847 $206 2.0 1.1 $3.97 $8.12 $5,310 37% $16,880 $422 $443 $133 $17,700 $4,530 $15,100 $113 $378 $410 $16,400 24% Yauco HMFA $7.88 $5.87 1.1 1.3 $305 7,159 Counties Adjuntas Municipio $5,700 $7.23 $5.89 1.0 1.2 43% $306 $15,040 $376 $475 $143 $19,000 2,648 22% $267 $18,400 $138 $460 $389 $15,560 2,921 $5,520 $7.48 $5.13 1.0 1.5 Aguada Municipio $346 Aguadilla Municipio 7,180 $18,400 $138 $460 $389 $15,560 36% $5,520 $7.48 $6.65 1.0 1.1 $21,920 $257 $10.54 $8,010 $4.93 1.5 2.1 Aguas Buenas Municipio 2,805 $26,700 $200 $668 $548 32% $7.25 Aibonito Municipio $380 $15,200 20% $5,370 $7.31 $448 1.0 1.0 $377 $134 $17,900 1,743 $5,520 $138 $460 $389 $15,560 24% Añasco Municipio $7.48 $8.83 1.0 0.8 $459 2,319 $18,400 9,446 $22,200 $167 $555 $484 $19,360 $307 1.3 Arecibo Municipio 29% $6,660 $9.31 $5.90 1.6 $360 $108 $14,400 1,686 Arroyo Municipio $4,320 $8.37 1.1 1.0 $435 27% $16,600 $415 $7.98 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 190 OUT OF REACH 2016 •

197 Puerto Rico HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Renter % of total Monthly rent affordable affordable minimum wage hourly mean 1 wage needed to afford 2 BR 2 BR to afford Annual affordable seholds hou households at 30% at mean renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR AM 2 BR FMR R FM I (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) of AMI 21% Barceloneta Municipio $26,700 $200 $668 $548 $21,920 1,740 $8,010 $10.54 $7.33 1.5 1.4 $381 29% $211 1.8 1.0 $4.06 $7.31 $5,370 Barranquitas Municipio $15,200 $380 $448 $134 $17,900 2,719 $21,920 $320 21,869 $26,700 $200 $668 $548 Bayamón Municipio 30% $8,010 $10.54 $6.16 1.5 1.7 1.6 $167 $22,300 6,266 Cabo Rojo Municipio $4.52 $7.42 $6,690 38% $15,440 $235 $386 $558 1.0 32% $328 $200 $668 $532 Caguas Municipio $21,280 $26,700 $8,010 $10.23 $6.31 1.4 1.6 15,775 3,052 $22,200 $167 $555 $484 $19,360 26% Camuy Municipio $6,660 $9.31 $4.95 1.3 1.9 $258 $8,010 Canóvanas Municipio $26,700 $200 $668 $548 23% 3,305 $10.54 $6.05 1.5 1.7 $315 $21,920 $351 1.6 1.5 $6.76 $10.54 $8,010 30% $21,920 $548 $668 $200 $26,700 19,138 Carolina Municipio 39% Cataño Municipio 1.4 1.5 $7.42 $10.54 $8,010 $386 $548 $668 $200 $26,700 3,687 $21,920 1.2 $455 Cayey Municipio 5,025 $26,700 $200 $668 $532 $21,280 31% $8,010 $10.23 $8.74 1.4 23% $408 $23,700 $178 $593 $513 $20,520 1,039 $7,110 $9.87 $7.85 1.4 1.3 Ceiba Municipio 1.6 Ciales Municipio 1,805 $17,900 $134 $448 $380 $15,200 32% $5,370 $7.31 $4.53 1.0 $235 $493 Cidra Municipio 3,318 $26,700 $200 $668 $532 $21,280 24% $8,010 $10.23 $9.49 1.4 1.1 $235 1.6 2,865 $19,000 $143 $475 $376 $15,040 21% $5,700 $7.23 $4.52 1.0 Coamo Municipio $21,920 1.8 1.5 $5.77 $10.54 $8,010 36% $300 $548 $668 $200 $26,700 2,258 Comerío Municipio 1.5 $6.14 $10.54 $8,010 27% $21,920 $319 $668 $200 $26,700 2,915 Corozal Municipio 1.7 $548 1.0 1.4 $266 Culebra Municipio 134 $19,000 $143 $475 $376 $15,040 28% $5,700 $7.23 $5.11 20% Dorado Municipio $26,700 $200 $668 $548 $21,920 2,550 $8,010 $10.54 $7.37 1.5 1.4 $383 $9.87 $6.84 1.4 1.4 $356 27% Fajardo Municipio $7,110 $513 $593 $178 $23,700 3,481 $20,520 $298 1.5 $5.74 $10.54 $8,010 25% 1.8 $548 $668 $200 $26,700 1,079 Florida Municipio $21,920 $4,530 $7.88 $5.82 1.1 Guánica Municipio 1,532 $15,100 $113 $378 $410 $16,400 28% 1.4 $303 29% Guayama Municipio $14,400 $108 $360 $415 $16,600 4,532 $4,320 $7.98 $8.07 1.1 1.0 $420 $16,400 Guayanilla Municipio 1,554 $15,100 $113 $378 $410 $219 24% $4,530 $7.88 $4.20 1.1 1.9 $548 $421 $8.10 $10.54 $8,010 25% $21,920 1.5 $668 $200 $26,700 8,842 Guaynabo Municipio 1.3 $321 1.7 $6.17 $10.23 $8,010 19% $21,280 $532 $668 $200 $26,700 2,775 Gurabo Municipio 1.4 $321 1.5 Hatillo Municipio 3,828 $22,200 $167 $555 $484 $19,360 27% $6,660 $9.31 $6.17 1.3 $18,160 2.1 1,578 $21,700 $163 $543 $454 Hormigueros Municipio 24% $6,510 $8.73 $4.19 1.2 $218 1.5 1.3 $426 Humacao Municipio 4,325 $26,700 $200 $668 $548 $21,920 23% $8,010 $10.54 $8.19 $7.48 $15,560 5,898 $18,400 $138 $460 $351 1.1 1.0 $6.75 $389 $5,520 38% Isabela Municipio 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 191 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

198 Puerto Rico HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage jobs at Full-time Annual income Estimated rent rent Full-time jobs at mean renter necessary to needed % of total Monthly rent Renter hourly mean affordable affordable minimum wage 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable seholds hou at mean at 30% renter wage needed to afford 30% 5 2 3 4 FMR afford 2 BR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR of AMI (2016) renter wage of AMI 30% Jayuya Municipio $19,000 $143 $475 $376 $15,040 1,420 $5,700 $7.23 $10.34 1.0 0.7 $538 22% $381 1.3 1.3 $7.32 $9.42 $6,090 Juana Díaz Municipio $19,600 $490 $508 $152 $20,300 3,555 $21,920 $837 3,390 $26,700 $200 $668 $548 Juncos Municipio 26% $8,010 $10.54 $16.10 1.5 0.7 1.7 $167 $22,300 3,693 Lajas Municipio $4.44 $7.42 $6,690 44% $15,440 $231 $386 $558 1.0 43% $269 $138 $460 $389 Lares Municipio $15,560 $18,400 $5,520 $7.48 $5.18 1.0 1.4 4,411 1,076 $19,000 $143 $475 $376 $15,040 34% Las Marías Municipio $5,700 $7.23 $2.43 1.0 3.0 $126 $8,010 Las Piedras Municipio $26,700 $200 $668 $548 28% 3,460 $10.54 $9.30 1.5 1.1 $484 $21,920 $268 2.0 1.5 $5.16 $10.54 $8,010 26% $21,920 $548 $668 $200 $26,700 2,348 Loíza Municipio 31% Luquillo Municipio 1.4 1.4 $6.97 $9.87 $7,110 $362 $513 $593 $178 $23,700 2,136 $20,520 1.5 $367 Manatí Municipio 4,458 $26,700 $200 $668 $548 $21,920 28% $8,010 $10.54 $7.05 1.5 30% $311 $19,000 $143 $475 $376 $15,040 557 $5,700 $7.23 $5.97 1.0 1.2 Maricao Municipio 1.3 Maunabo Municipio 1,107 $17,900 $134 $448 $380 $15,200 27% $5,370 $7.31 $5.77 1.0 $300 $245 Mayagüez Municipio 12,487 $21,700 $163 $543 $454 $18,160 41% $6,510 $8.73 $4.72 1.2 1.9 $287 1.4 3,142 $18,400 $138 $460 $389 $15,560 27% $5,520 $7.48 $5.52 1.0 Moca Municipio $21,920 2.2 1.5 $4.76 $10.54 $8,010 25% $248 $548 $668 $200 $26,700 2,403 Morovis Municipio 1.5 $4.29 $10.54 $8,010 22% $21,920 $223 $668 $200 $26,700 1,962 Naguabo Municipio 2.5 $548 1.5 1.3 $414 Naranjito Municipio 2,264 $26,700 $200 $668 $548 $21,920 27% $8,010 $10.54 $7.97 24% Orocovis Municipio $17,900 $134 $448 $380 $15,200 1,674 $5,370 $7.31 $4.19 1.0 1.7 $218 $7.98 $5.32 1.1 1.5 $277 22% Patillas Municipio $4,320 $415 $360 $108 $14,400 1,424 $16,600 $401 1.1 $7.71 $7.88 $4,530 23% 1.0 $410 $378 $113 $15,100 1,723 Peñuelas Municipio $16,400 $6,090 $9.42 $5.13 1.3 Ponce Municipio 19,455 $20,300 $152 $508 $490 $19,600 35% 1.8 $267 41% Quebradillas Municipio $17,400 $131 $435 $402 $16,080 3,664 $5,220 $7.73 $4.65 1.1 1.7 $242 $15,560 Rincón Municipio 1,343 $18,400 $138 $460 $389 $248 23% $5,520 $7.48 $4.76 1.0 1.6 $548 $312 $6.00 $10.54 $8,010 22% $21,920 1.5 $668 $200 $26,700 3,735 Río Grande Municipio 1.8 $219 1.8 $4.21 $7.42 $6,690 25% $15,440 $386 $558 $167 $22,300 1,760 Sabana Grande Municipio 1.0 $316 1.2 Salinas Municipio 2,131 $19,000 $143 $475 $376 $15,040 19% $5,700 $7.23 $6.08 1.0 $15,440 1.1 3,481 $22,300 $167 $558 $386 San Germán Municipio 28% $6,690 $7.42 $6.60 1.0 $343 1.5 1.4 $404 San Juan Municipio 68,152 $26,700 $200 $668 $548 $21,920 46% $8,010 $10.54 $7.77 $10.23 $21,280 3,809 $26,700 $200 $668 $499 1.1 1.4 $9.60 $532 $8,010 29% San Lorenzo Municipio 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 192 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

199 Puerto Rico HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Monthly rent Renter hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households seholds hou affordable needed to afford renter wage at 30% at mean 30% 5 3 4 2 afford 2 BR FMR I R FM AM 2 BR FMR (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI $460 1.0 1.7 San Sebastián Municipio 4,633 $18,400 $138 $230 $389 $15,560 35% $5,520 $7.48 $4.43 $376 1.6 1.0 $4.58 $7.23 $5,700 25% $15,040 $475 $143 $19,000 1,968 Santa Isabel Municipio $238 $21,920 $217 4,024 $26,700 $200 $668 $548 Toa Alta Municipio 18% $8,010 $10.54 $4.18 1.5 2.5 $548 1.5 $7.04 $10.54 $8,010 25% $21,920 $366 $668 $200 $26,700 7,428 Toa Baja Municipio 1.5 $201 $26,700 $200 $668 $548 $21,920 7,575 Trujillo Alto Municipio $8,010 $10.54 $3.86 1.5 2.7 31% 2.0 $206 Utuado Municipio 3,847 $17,700 $133 $443 $422 $16,880 37% $5,310 $8.12 $3.97 1.1 $21,920 1.5 1.5 $6.86 $10.54 $8,010 25% $357 $548 $668 $200 $26,700 3,099 Vega Alta Municipio 1.5 $8.43 $10.54 $8,010 17% $21,920 $548 $668 $200 $26,700 3,009 Vega Baja Municipio $438 1.3 1.0 0.7 $566 Vieques Municipio 393 $19,000 $143 $475 $376 $15,040 14% $5,700 $7.23 $10.88 21% Villalba Municipio $20,300 $152 $508 $490 $19,600 1,703 $6,090 $9.42 $8.54 1.3 1.1 $444 $21,920 Yabucoa Municipio 3,375 $26,700 $200 $668 $252 2.2 1.5 $4.84 $548 $8,010 28% $10.54 $4,530 Yauco Municipio 2,350 $15,100 $113 $378 $410 $16,400 22% $292 $7.88 $5.61 1.1 1.4 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 193 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

200 RHODE ISLAND S TAT E . In order to $991 In Rhode Island, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING afford this level of rent and utilities — without paying more than 30% of income on housing — * $3,303 a household must earn $39,639 monthly or annually. Assuming a 40-hour work week, 19 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $19.06 HOUSING WAGE* MOST EXPENSIVE AREAS STATE FACTS Newport-Middleton-Portsmouth HMFA $23.44 $9.60 Minimum Wage $12.59 Westerly-Hopkinton-New Shoreham HMFA Average Renter Wage $20.56 2-Bedroom Housing Wage $19.06 $18.69 Providence-Fall River HMFA Number of Renter Households 162,740 40% Percent Renters $991 Two bedroom FMR 79 $1,848 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $655 renter wage ––––––––––––– $554 Rent affordable at 30% of AMI Rent affordable with full-time job paying $499 min wage 2 $232 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 194 OUT OF REACH 2016

201 Rhode Island HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Renter Monthly rent % of total hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households renter wage needed to afford at 30% at mean 30% 5 4 2 3 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI Rhode Island $1,848 $39,639 40% $19.06 $12.59 1.5 $991 $554 162,740 2.0 $73,931 $22,179 $655 Metropolitan Areas Newport-Middleton-Portsmouth HMFA 10,845 2.0 2.4 $11.73 $23.44 $610 45% $48,760 $1,219 $2,253 $676 $90,100 $27,030 Providence-Fall River HMFA $546 $1,820 $972 $38,880 40% $72,800 $18.69 $12.73 1.9 1.5 $662 147,672 $21,840 4,223 32% $22,860 $42,760 $1,069 $1,905 $572 $76,200 Westerly-Hopkinton-New Shoreham HMFA 2.1 2.1 $514 $9.89 $20.56 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) Fair Market Rent (HUD, 2016) 2016 2: FMR = Fiscal Year 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 195 OUT OF REACH 2016 •

202 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 This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. 196 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

203 S TAT E SOUTH CAROLINA RANKING . In order $772 In South Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is * 39 to afford this level of rent and utilities — without paying more than 30% of income on housing $30,860 monthly or $2,572 — a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.84 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Beaufort County Minimum Wage $7.25 $18.25 $11.53 Berkeley County Average Renter Wage $17.83 2-Bedroom Housing Wage Charleston County $17.83 $14.84 563,561 Number of Renter Households $17.83 Dorchester County Percent Renters 31% $16.62 York County $772 Two bedroom FMR 82 $1,439 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $599 renter wage ––––––––––––– $432 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 197 OUT OF REACH 2016

204 South Carolina RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Annual income Full-time Hourly wage jobs at Full-time jobs at Estimated rent rent needed ssary to nece Renter % of total Monthly rent 1 to a fford fford 2 BR Annual needed to a afford 2 BR 30% 2 2 BR FMR 2 BR FMR FMR FMR afford 2 BR South Carolina 563,561 $14.84 31% $17,267 $30,860 $772 $1,439 2.0 $432 $599 1.3 $57,558 $11.53 Combined Nonmetro Areas 1.3 $44,498 $13,349 1.7 $10.02 $12.66 $334 29% $26,339 $1,112 81,524 $658 $521 Metropolitan Areas 1.8 $26,520 28% $15,390 $12.75 $9.40 $663 1.4 $489 20,368 $51,300 Anderson HMFA $385 $1,283 $1,475 $735 $29,400 26% $17,700 $14.13 $12.43 1.9 1.1 $646 18,930 Augusta-Richmond County HMFA $59,000 $443 $1,678 $600 $37,960 30% $20,130 $18.25 $11.54 2.5 1.6 $503 19,713 Beaufort County HMFA $67,100 $949 $1,705 $68,200 35% $20,460 $17.83 $12.87 2.5 1.4 $669 93,879 Charleston-North Charleston MSA $927 $512 $37,080 1.5 $1,675 29% $20,100 $16.62 $11.10 2.3 $34,560 $577 25,905 $503 $67,000 Charlotte-Concord-Gastonia HMFA $864 $1,080 $632 $25,280 26% $12,960 $12.15 $10.60 Chester County HMFA 1.1 $551 3,202 $43,200 $324 1.7 $481 $806 $32,240 34% $19,230 $15.50 $12.26 2.1 1.3 $637 91,847 Columbia HMFA $64,100 $1,603 1.7 $1,020 $25,280 31% $12,240 $12.15 $12.43 $632 1.0 $646 8,122 $40,800 Darlington County HMFA $306 $401 $1,338 $650 $26,000 34% $16,050 $12.50 $10.78 1.7 1.2 $560 17,728 Florence HMFA $53,500 $476 $63,500 $29,160 33% $19,050 $14.02 $11.93 1.9 1.2 $621 73,032 Greenville-Mauldin-Easley HMFA $1,588 $729 $1,080 $43,200 29% $12,960 $14.58 $14.90 2.0 1.0 $775 2,535 Jasper County HMFA $758 $324 $30,320 1.1 $1,350 22% $16,200 $12.37 $11.19 1.7 $25,720 $582 5,388 $405 $54,000 Kershaw County HMFA $643 $1,250 $632 $25,280 24% $15,000 $12.15 $10.44 Lancaster County HMFA 1.2 $543 7,037 $50,000 $375 1.7 $334 $643 $25,720 29% $13,350 $12.37 $10.98 1.7 1.1 $571 7,290 Laurens County HMFA $44,500 $1,113 2.1 $1,273 $31,880 31% $15,270 $15.33 $9.44 $797 1.6 $491 35,592 $50,900 Myrtle Beach-North Myrtle Beach-Conway HMFA $382 $397 $1,323 $677 $27,080 31% $15,870 $13.02 $11.37 1.8 1.1 $591 34,005 Spartanburg HMFA $52,900 1.4 $385 35% $15,390 $15.79 $11.68 2.2 $32,840 $608 14,199 $821 $1,283 Sumter MSA $51,300 $1,063 $632 $25,280 28% $12,750 $12.15 $10.11 1.7 1.2 $526 3,265 Union County HMFA $42,500 $319 Counties $390 $1,213 2,128 Abbeville County $632 $48,500 $364 1.6 1.7 $7.51 $12.15 $14,550 22% $25,280 $735 $1,475 $443 $59,000 16,853 Aiken County $673 1.1 1.9 $12.94 $14.13 $17,700 26% $29,400 1: BR = Bedroom FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 198 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

205 South Carolina RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR seholds affordable hou households needed to afford renter wage at mean at 30% 30% 2 4 3 5 afford 2 BR FMR FMR AMI 2 BR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI 35% Allendale County $31,100 $233 $778 $632 $25,280 1,215 $9,330 $12.15 $17.71 1.7 0.7 $921 28% $489 1.4 1.8 $9.40 $12.75 $15,390 Anderson County $26,520 $663 $1,283 $385 $51,300 20,368 $27,280 $377 1,210 $44,500 $334 $1,113 $682 Bamberg County 21% $13,350 $13.12 $7.25 1.8 1.8 $8.61 $13,500 $448 26% $25,640 $641 $1,125 $338 $45,000 1.7 2,177 Barnwell County $12.33 1.4 $20,130 $600 $503 $1,678 $949 $37,960 30% $67,100 $18.25 $11.54 2.5 1.6 Beaufort County 19,713 Berkeley County 1.1 2.5 $15.52 $17.83 $20,460 31% $37,080 $927 $1,705 $512 $68,200 20,585 $807 1.4 2.1 $11.33 $15.50 $19,230 22% $806 $1,603 $481 $64,100 1,328 Calhoun County $589 $32,240 $662 $12.73 $17.83 $20,460 40% $37,080 $927 1.4 $1,705 $512 $68,200 57,857 Charleston County 2.5 $25,280 $593 1.7 $11.40 $12.15 $13,380 32% 1.1 $632 $335 $44,600 6,559 Cherokee County $1,115 $10.60 1.7 1.1 $551 Chester County 3,202 $43,200 $324 $1,080 $632 $25,280 26% $12,960 $12.15 30% $478 $42,100 $316 $1,053 $632 $25,280 5,362 $12,630 $12.15 $9.20 1.7 1.3 Chesterfield County $6.25 Clarendon County 3,598 $41,200 $309 $1,030 $632 $25,280 28% $12,360 $12.15 1.7 1.9 $325 $563 Colleton County 3,888 $42,800 $321 $1,070 $696 $27,840 26% $12,840 $13.38 $10.83 1.8 1.2 1.7 $12.43 8,122 $40,800 $306 $1,020 $632 $25,280 31% $12,240 $12.15 1.0 $646 Darlington County $25,280 $9.53 1.3 1.7 $12.15 $10,440 35% $495 $632 $870 $261 $34,800 4,145 Dillon County $17.83 $37,080 $927 $1,705 2.5 $68,200 15,437 Dorchester County $10.27 $20,460 30% 1.7 $534 $512 $14.13 $6.70 1.9 2.1 $348 Edgefield County 2,077 $59,000 $443 $1,475 $735 $29,400 23% $17,700 30% Fairfield County $64,100 $481 $1,603 $806 $32,240 2,836 $19,230 $15.50 $17.24 2.1 0.9 $897 $12.50 $10.78 1.7 1.2 $560 34% Florence County $16,050 $650 $1,338 $401 $53,500 17,728 $26,000 $520 2.0 $10.00 $14.17 $15,960 23% 1.4 $737 $1,330 $399 $53,200 5,382 Georgetown County $29,480 $29,160 34% $19,050 $638 $14.02 1.1 Greenville County 59,484 $63,500 $476 $1,588 $729 $12.28 1.9 35% Greenwood County $45,500 $341 $1,138 $642 $25,680 9,236 $13,650 $12.35 $10.10 1.7 1.2 $525 $25,280 Hampton County 1,742 $43,700 $328 $1,093 $632 $645 23% $13,110 $12.15 $12.41 1.7 1.0 $797 $491 $9.44 $15.33 $15,270 31% $31,880 2.1 $1,273 $382 $50,900 35,592 Horry County 1.6 2.0 $14.90 $14.58 1.0 $12,960 29% $30,320 $758 $1,080 $324 $43,200 2,535 Jasper County $775 $582 $11.19 Kershaw County 5,388 $54,000 $405 $1,350 $643 $25,720 22% $16,200 $12.37 1.7 1.1 $25,280 1.2 7,037 $50,000 $375 $1,250 $632 Lancaster County 24% $15,000 $12.15 $10.44 1.7 $543 $12.37 $10.98 1.7 1.1 $571 Laurens County 7,290 $44,500 $334 $1,113 $643 $25,720 29% $13,350 $12.15 $25,280 1,641 $37,900 $284 $948 $458 1.4 1.7 $8.82 $632 $11,370 25% Lee County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 199 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

206 South Carolina RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR affordable seholds hou households needed to afford renter wage at 30% at mean 30% 3 2 4 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI $32,240 $10.80 1.4 2.1 $15.50 $19,230 26% $562 $806 $1,603 $481 $64,100 27,553 Lexington County McCormick County $315 2.0 1.7 $6.05 $12.15 $14,880 21% $25,280 $632 $1,240 $372 $49,600 868 1.7 $401 1.6 3,860 $40,000 $300 $1,000 $632 $25,280 33% $12,000 $12.15 $7.71 Marion County $643 1.2 $12.37 $553 $9,690 33% $25,720 1.7 $808 $242 $32,300 3,187 Marlboro County $10.63 $497 3,843 Newberry County 1.4 1.8 $9.56 $13.06 $55,400 $16,620 27% $27,160 $679 $1,385 $416 $25,280 0.9 7,635 $50,800 $381 $1,270 $632 Oconee County 25% $15,240 $12.15 $13.22 $688 1.7 $8.35 1.9 1.7 $434 Orangeburg County 10,741 $41,400 $311 $1,035 $721 $28,840 32% $12,420 $13.87 $29,160 1.6 1.9 $8.99 $14.02 $19,050 31% $467 $729 $1,588 $476 $63,500 13,548 Pickens County 1.2 2.1 $12.92 $15.50 $19,230 40% $32,240 $806 $1,603 $64,100 58,110 Richland County $672 $481 $15.50 $9.40 2.1 1.6 $489 Saluda County 2,020 $64,100 $481 $1,603 $806 $32,240 28% $19,230 31% Spartanburg County $52,900 $397 $1,323 $677 $27,080 34,005 $15,870 $13.02 $11.37 1.8 1.1 $591 $32,840 Sumter County 14,199 $51,300 $385 $1,283 $821 35% $15,390 $15.79 $11.68 2.2 1.4 $608 $12,750 28% $1,063 $319 $42,500 3,265 Union County $632 $12.15 $10.11 1.7 1.2 $526 $25,280 $10.02 $632 $1,010 $303 $40,400 3,107 Williamsburg County 1.7 1.2 $521 $12.15 $12,120 26% $25,280 $16.62 $34,560 25,905 $67,000 $503 $1,675 $577 1.5 2.3 $11.10 $864 $20,100 29% York County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 200 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

207 S TAT E SOUTH DAKOTA RANKING * . In order to $716 In South Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is 49 afford this level of rent and utilities — without paying more than 30% of income on housing — $28,631 monthly or $2,386 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $13.77 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Pennington County Minimum Wage $8.55 $15.87 $10.88 Douglas County Average Renter Wage $15.69 2-Bedroom Housing Wage Fall River County $15.33 $13.77 104,512 Number of Renter Households $14.73 Buffalo County Percent Renters 32% $14.65 Custer County $716 Two bedroom FMR 64 $1,619 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $566 renter wage ––––––––––––– $486 Rent affordable at 30% of AMI Rent affordable with full-time job paying $445 min wage 1.6 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 201 OUT OF REACH 2016

208 South Dakota AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage jobs at Full-time Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households needed to afford renter wage at 30% at mean 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) (2016) 2 BR FMR renter wage of AMI of AMI South Dakota 1.3 $716 $28,631 32% $13.77 $10.88 $1,619 $566 $486 104,512 1.6 $64,740 $19,422 Combined Nonmetro Areas 55,383 $462 $18,490 $61,632 $1,541 $499 1.3 1.5 $9.59 $12.94 32% $26,906 $673 Metropolitan Areas $19,050 690 $476 $1,588 $762 $30,480 19% $63,500 $14.65 $9.09 1.7 1.6 $473 Custer County HMFA 2,967 Meade County HMFA $59,700 $448 $1,493 $28,320 29% $17,910 $13.62 $9.12 1.6 1.5 $474 $708 $825 $1,595 $63,800 Rapid City HMFA $33,000 33% $19,140 $15.87 $11.23 1.9 1.4 $584 13,763 $479 25% 1,481 0.9 1.6 $15.26 $13.67 $17,670 $794 $28,440 $711 $1,473 $442 $58,900 Sioux City HMFA 1.7 1.2 $623 30,228 33% $29,800 $745 $1,800 $540 $72,000 Sioux Falls MSA $21,600 $14.33 $11.97 Counties Aurora County $434 $1,448 $679 $27,160 20% $57,900 $13.06 $9.73 1.5 1.3 $506 219 $17,370 2,589 $59,700 $448 $1,493 $644 $25,760 35% $17,910 $12.38 $10.41 1.4 1.2 $541 Beadle County $25,760 458 $41,300 $310 $1,033 $644 1.6 42% $12,390 $12.38 $7.97 1.4 $414 Bennett County $12.38 511 $1,425 $644 $25,760 20% $17,100 $428 $7.81 1.4 Bon Homme County 1.6 $406 $57,000 $13.90 5,038 $62,800 $471 $1,570 $723 $28,920 41% $18,840 $499 1.4 1.6 $9.60 Brookings County $19,950 30% $26,960 $674 $1,663 $499 $66,500 4,699 Brown County $9.59 $499 1.4 1.5 $12.96 $463 Brule County $58,600 $440 $1,465 $644 $25,760 29% $17,580 $12.38 $8.90 1.4 604 1.4 Buffalo County † $32,100 $241 $803 $766 322 59% $9,630 $14.73 1.7 $30,640 1.5 $416 $8.00 $12.38 $17,850 26% $25,760 $644 $1,488 $446 $59,500 1,076 Butte County 1.4 17% $52,300 118 $392 $1,308 $644 $25,760 Campbell County $15,690 $12.38 $11.59 1.4 1.1 $602 $413 1.6 1.4 $7.94 $12.38 $15,930 29% $25,760 $644 $1,328 $398 $53,100 926 Charles Mix County $25,760 1.3 323 $66,800 $501 $1,670 $644 Clark County 22% $20,040 $12.38 $9.73 1.4 $506 $13.81 $6.28 1.6 2.2 $327 Clay County 2,488 $63,400 $476 $1,585 $718 $28,720 48% $19,020 $19,410 $13.31 $64,700 $485 $1,618 $692 $27,680 31% Codington County $9.88 1.6 1.3 $514 3,642 593 $12.38 $25,760 $644 $955 $287 $38,200 49% Corson County $11.77 1.4 1.1 $612 $11,460 19% $30,480 $762 $1,588 $476 $63,500 Custer County $473 1.6 1.7 $9.09 $14.65 $19,050 690 $28,000 $700 $1,603 $481 $64,100 3,083 Davison County 1.3 $13.46 $19,230 $547 1.6 $10.52 36% † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 202 OUT OF REACH 2016 •

209 South Dakota RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR seholds affordable hou households needed to afford renter wage at mean at 30% 30% 2 4 3 5 afford 2 BR FMR FMR AMI 2 BR FMR at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI 27% Day County $49,700 $373 $1,243 $644 $25,760 694 $14,910 $12.38 $6.13 1.4 2.0 $319 16% $625 1.0 1.4 $12.02 $12.38 $19,830 Deuel County $25,760 $644 $1,653 $496 $66,100 297 $27,560 $445 668 $38,300 $287 $958 $689 Dewey County 40% $11,490 $13.25 $8.57 1.5 1.5 $9.16 $18,030 $476 21% $32,640 $816 $1,503 $451 $60,100 1.8 276 Douglas County $15.69 1.7 $20,070 $641 $502 $1,673 $669 $26,760 20% $66,900 $12.87 $12.32 1.5 1.0 Edmunds County 310 Fall River County 2.2 1.8 $7.01 $15.33 $18,150 33% $31,880 $797 $1,513 $454 $60,500 1,042 $365 1.2 1.4 $10.53 $12.38 $16,680 23% $644 $1,390 $417 $55,600 217 Faulk County $548 $25,760 $650 $12.50 $12.38 $17,760 21% $25,760 $644 1.0 $1,480 $444 $59,200 658 Grant County 1.4 $25,760 $346 1.4 $6.66 $12.38 $13,290 30% 1.9 $644 $332 $44,300 592 Gregory County $1,108 $14.67 1.6 0.9 $763 Haakon County 167 $65,800 $494 $1,645 $723 $28,920 19% $19,740 $13.90 23% $523 $65,300 $490 $1,633 $644 $25,760 481 $19,590 $12.38 $10.06 1.4 1.2 Hamlin County $9.71 Hand County 401 $61,200 $459 $1,530 $644 $25,760 27% $18,360 $12.38 1.4 1.3 $505 $690 Hanson County 139 $66,100 $496 $1,653 $644 $25,760 14% $19,830 $12.38 $13.27 1.4 0.9 1.4 $18.60 143 $57,800 $434 $1,445 $644 $25,760 28% $17,340 $12.38 0.7 $967 Harding County $27,040 $9.95 1.3 1.5 $13.00 $25,710 36% $517 $676 $2,143 $643 $85,700 2,549 Hughes County $12.46 $25,920 $648 $1,525 1.5 $61,000 666 Hutchinson County $8.18 $18,300 23% 1.5 $426 $458 $12.38 $17.21 1.4 0.7 $895 Hyde County 96 $69,100 $518 $1,728 $644 $25,760 18% $20,730 40% Jackson County $52,500 $394 $1,313 $644 $25,760 427 $15,750 $12.38 $8.47 1.4 1.5 $441 0.8 $764 $16,710 $14.70 1.4 Jerauld County 25% $12.38 $644 $1,393 $418 $55,700 222 $25,760 $406 1.4 $7.81 $12.38 $16,590 29% 1.6 $644 $1,383 $415 $55,300 125 Jones County $25,760 25% $19,050 1.2 $517 $12.38 Kingsbury County 578 $63,500 $476 $1,588 $644 $25,760 $9.94 1.4 28% Lake County $68,400 $513 $1,710 $644 $25,760 1,328 $20,520 $12.38 $8.03 1.4 1.5 $418 $26,720 Lawrence County 3,514 $68,100 $511 $1,703 $668 $489 34% $20,430 $12.85 $9.40 1.5 1.4 $745 $547 $10.51 $14.33 $21,600 23% $29,800 1.7 $1,800 $540 $72,000 4,004 Lincoln County 1.4 1.4 $8.64 $12.38 1.4 $18,990 32% $25,760 $644 $1,583 $475 $63,300 467 Lyman County $449 $481 $9.25 McCook County 430 $72,000 $540 $1,800 $745 $29,800 20% $21,600 $14.33 1.7 1.5 $25,920 1.6 235 $45,800 $344 $1,145 $648 McPherson County 23% $13,740 $12.46 $7.74 1.5 $402 $12.83 $10.34 1.5 1.2 $538 Marshall County 478 $66,100 $496 $1,653 $667 $26,680 28% $19,830 $474 29% 2,967 $59,700 $448 $708 $1,493 Meade County 1.5 1.6 $9.12 $13.62 $17,910 $28,320 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 203 OUT OF REACH 2016 •

210 South Dakota RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to 2 BR Annual to afford seholds affordable hou households renter wage needed to afford 30% at 30% at mean 2 4 3 5 afford 2 BR FMR 2 BR FMR R FM I AM at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI $925 $11,100 36% $25,760 $644 $278 $37,000 251 Mellette County 1.4 $9.28 1.3 $482 $12.38 Miner County $553 1.2 1.4 $10.63 $12.38 212 21% $25,760 $644 $1,543 $463 $61,700 $18,510 $638 25,044 $72,000 $540 $1,800 $745 Minnehaha County 36% $21,600 $14.33 $12.27 1.7 1.2 $29,800 $663 $12.38 29% $25,760 $644 $1,608 1.0 $482 $64,300 792 1.4 Moody County $12.75 $19,290 $584 13,763 $63,800 $479 $1,595 $825 Pennington County 33% $19,140 $15.87 $11.23 1.9 1.4 $33,000 1.9 1.5 $7.02 $13.23 $17,370 29% $27,520 $688 $1,448 $434 $57,900 393 Perkins County $365 $25,760 1.2 182 $55,200 $414 $1,380 $644 Potter County 17% $16,560 $12.38 $10.10 1.4 $525 1.6 $414 Roberts County 1,131 $59,200 $444 $1,480 $644 $25,760 31% $17,760 $12.38 $7.96 1.4 $25,760 $434 281 $64,200 $482 $1,605 $644 Sanborn County 26% $19,260 $12.38 $8.35 1.4 1.5 $576 1.4 Shannon County 1,333 $26,700 $200 $668 $644 $25,760 46% $8,010 $12.38 $11.07 1.1 27% $535 $62,700 $470 $1,568 $644 $25,760 705 $18,810 $12.38 $10.30 1.4 1.2 Spink County $427 Stanley County 266 $62,700 $470 $1,568 $697 $27,880 22% $18,810 $13.40 $8.20 1.6 1.6 1.4 0.9 $693 Sully County 166 $71,200 $534 $1,780 $644 $25,760 27% $21,360 $12.38 $13.33 $10,050 Todd County $251 $838 $644 $25,760 54% $33,500 $12.38 $10.41 1.4 1.2 $541 1,487 Tripp County 903 $49,800 $374 $1,245 $644 $25,760 35% $14,940 $12.38 $10.28 1.4 1.2 $534 $471 Turner County 750 $72,000 $540 $1,800 $745 $29,800 21% $21,600 $14.33 $9.06 1.7 1.6 25% 1.6 $794 Union County 1,481 $58,900 $442 $1,473 $711 $28,440 0.9 $15.26 $13.67 $17,670 $12.38 $25,760 $61,000 $458 35% $1,525 $18,300 841 $8.63 1.4 1.4 $449 $644 Walworth County 2,583 $69,700 $523 $1,743 $644 $25,760 29% Yankton County 1.5 1.4 $8.34 $12.38 $20,910 $434 Ziebach County $33,100 $248 $828 $644 $25,760 50% 398 $12.38 $8.08 1.4 1.5 $420 $9,930 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 204 OUT OF REACH 2016 •

211 S TAT E TENNESSEE RANKING * . In order to $779 In Tennessee, the Fair Market Rent (FMR) for a two-bedroom apartment is 36 afford this level of rent and utilities — without paying more than 30% of income on housing — $31,175 monthly or $2,598 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $14.99 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Nashville-Davidson-Murfreesboro-Franklin HMFA Minimum Wage $7.25 $17.79 $12.96 Memphis HMFA Average Renter Wage $15.90 2-Bedroom Housing Wage Knoxville HMFA $15.52 $14.99 817,396 Number of Renter Households $15.33 Montgomery County Percent Renters 33% $14.75 Chattanooga MSA $779 Two bedroom FMR 83 $1,440 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $674 renter wage ––––––––––––– $432 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 205 OUT OF REACH 2016

212 Tennessee HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly rent rent Annual income jobs at Full-time Hourly wage Estimated Full-time jobs at Monthly rent % of total needed ssary to nece Renter 1 to a fford fford 30% 2 BR Annual needed to a 2 BR afford 2 2 BR FMR 2 BR FMR FMR FMR afford 2 BR Tennessee $14.99 33% 2.1 $31,175 $779 $1,440 $57,600 1.2 $17,280 $674 $432 $12.96 817,396 Combined Nonmetro Areas $1,165 1.6 $9.60 $11.79 28% 163,411 $46,597 $24,532 $613 $13,979 $499 $349 1.2 Metropolitan Areas 29% Campbell County HMFA $40,300 $302 $1,008 $586 $23,440 $419 $12,090 $11.27 $8.06 1.6 1.4 4,639 $460 $18,390 $14.75 $11.80 2.0 1.3 $1,533 $614 52,560 $30,680 $767 Chattanooga MSA $61,300 34% $31,880 25,376 1.4 2.1 $15.33 $17,190 39% $581 $797 $1,433 $430 $57,300 Clarksville MSA $11.17 $385 $1,283 $765 $30,600 31% $15,390 $14.71 $10.77 2.0 1.4 $560 13,810 Cleveland MSA $51,300 $13,440 $671 $44,800 $336 $1,120 $26,840 32% Crockett County HMFA $12.90 $13.63 1.8 0.9 $709 1,773 $26,640 22% $14,670 $12.81 $8.38 1.8 1.5 $436 1,949 $367 $666 Hickman County HMFA $48,900 $1,223 34% 14,383 $54,100 $406 $1,353 $738 $29,520 Jackson HMFA $16,230 $14.19 $9.70 2.0 1.5 $505 $374 32% $14,940 $12.65 $49,800 1.7 1.4 $1,245 $486 26,545 $9.35 $658 Johnson City MSA $26,320 $26,400 22,847 1.1 1.8 $12.69 $15,210 25% $628 $660 $1,268 $380 $50,700 Kingsport-Bristol-Bristol MSA $12.08 $61,900 $464 $1,548 $807 $32,280 32% $18,570 $15.52 $12.48 2.1 1.2 $649 92,606 Knoxville HMFA $13,020 Macon County HMFA $608 1.0 1.6 $11.70 $11.27 2,496 29% $23,440 $586 $1,085 $326 $43,400 $57,900 30% $17,370 $13.31 $10.62 1.8 1.3 $552 9,729 Maury County HMFA $692 $27,680 $434 $1,448 40% 153,840 $60,100 $451 $1,503 $827 $33,080 Memphis HMFA $18,030 $15.90 $14.70 2.2 1.1 $764 $621 20% $13,980 $11.94 $12.27 1.6 1.0 $638 1,478 $46,600 $350 $24,840 Morgan County, TN HMFA $1,165 $317 $1,055 $586 $23,440 19% $12,660 $11.27 $10.38 1.6 1.1 $540 1,682 Morristown HMFA $42,200 29% 13,077 1.1 1.7 $11.23 $12.10 $15,450 $584 $25,160 $629 $1,288 $51,500 Morristown MSA $386 $68,500 $514 $1,713 $925 $37,000 35% $20,550 $17.79 $15.19 2.5 1.2 $790 207,324 Nashville-Davidson--Murfreesboro--Franklin HMFA Roane County HMFA 27% $54,100 $406 $1,353 $695 $27,800 $16,230 6,006 $787 0.9 1.8 $15.13 $13.37 Smith County HMFA $612 $24,480 25% $16,110 $403 $11.77 $7.31 1.6 1.6 $380 1,865 $53,700 $1,343 Counties $15.68 9,371 $61,900 $464 $1,548 31% $815 1.0 2.1 $807 $15.52 $18,570 $32,280 Anderson County 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 206 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

213 Tennessee HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Full-time Hourly wage Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed minimum wage hourly mean % of total affordable Monthly rent Renter affordable 1 wage needed to afford 2 BR Annual to afford 2 BR renter wage needed to afford households at mean households affordable at 30% 30% 3 2 5 4 afford 2 BR FMR 2 BR FMR FMR AMI 2 BR FMR (2016) (2010-2014) of AMI (2010-2014) at AMI renter wage of AMI 31% Bedford County $49,000 $368 $1,225 $652 $26,080 5,080 $14,700 $12.54 $9.45 1.7 1.3 $491 23% $397 1.5 1.6 $7.64 $11.27 $12,180 Benton County $23,440 $586 $1,015 $305 $40,600 1,550 $23,440 $404 998 $41,000 $308 $1,025 $586 Bledsoe County 22% $12,300 $11.27 $7.76 1.6 1.5 $12.20 $18,570 $634 27% $32,280 $807 $1,548 $464 $61,900 2.1 12,941 Blount County $15.52 1.3 $15,390 $571 $385 $1,283 $765 $30,600 33% $51,300 $14.71 $10.98 2.0 1.3 Bradley County 12,488 Campbell County 1.4 1.6 $8.06 $11.27 $12,090 29% $23,440 $586 $1,008 $302 $40,300 4,639 $419 1.7 2.5 $10.34 $17.79 $20,550 24% $925 $1,713 $514 $68,500 1,324 Cannon County $538 $37,000 $453 $8.71 $11.27 $13,950 25% $23,440 $586 1.3 $1,163 $349 $46,500 2,757 Carroll County 1.6 $26,320 $465 1.7 $8.95 $12.65 $14,940 29% 1.4 $658 $374 $49,800 7,071 Carter County $1,245 $10.21 2.5 1.7 $531 Cheatham County 2,804 $68,500 $514 $1,713 $925 $37,000 19% $20,550 $17.79 27% $493 $54,100 $406 $1,353 $738 $29,520 1,634 $16,230 $14.19 $9.48 2.0 1.5 Chester County $8.96 Claiborne County 3,464 $43,900 $329 $1,098 $586 $23,440 27% $13,170 $11.27 1.6 1.3 $466 $419 Clay County 788 $37,600 $282 $940 $586 $23,440 25% $11,280 $11.27 $8.06 1.6 1.4 1.6 $7.49 4,454 $40,100 $301 $1,003 $586 $23,440 30% $12,030 $11.27 1.5 $389 Cocke County $26,400 $12.56 1.0 1.8 $12.69 $15,510 34% $653 $660 $1,293 $388 $51,700 7,168 Coffee County $12.90 $26,840 $671 $1,120 1.8 $44,800 1,773 Crockett County $13.63 $13,440 32% 0.9 $709 $336 $12.33 $8.67 1.7 1.4 $451 Cumberland County 4,940 $44,800 $336 $1,120 $641 $25,640 21% $13,440 46% Davidson County $68,500 $514 $1,713 $925 $37,000 119,338 $20,550 $17.79 $16.99 2.5 1.0 $883 1.3 $435 $14,460 $8.37 1.6 Decatur County 22% $11.27 $586 $1,205 $362 $48,200 1,127 $23,440 $603 1.6 $11.60 $11.27 $13,620 28% 1.0 $586 $1,135 $341 $45,400 1,925 DeKalb County $23,440 28% $20,550 1.9 $486 $17.79 Dickson County 5,178 $68,500 $514 $1,713 $925 $37,000 $9.35 2.5 36% Dyer County $48,300 $362 $1,208 $603 $24,120 5,432 $14,490 $11.60 $11.48 1.6 1.0 $597 $33,080 Fayette County 3,005 $60,100 $451 $1,503 $827 $500 20% $18,030 $15.90 $9.62 2.2 1.7 $586 $424 $8.15 $11.27 $11,640 22% $23,440 1.6 $970 $291 $38,800 1,634 Fentress County 1.4 1.6 $9.83 $11.27 1.1 $15,000 24% $23,440 $586 $1,250 $375 $50,000 3,906 Franklin County $511 $532 $10.23 Gibson County 5,368 $49,300 $370 $1,233 $586 $23,440 28% $14,790 $11.27 1.6 1.1 $23,800 1.2 3,167 $48,300 $362 $1,208 $595 Giles County 28% $14,490 $11.44 $9.19 1.6 $478 $11.27 $10.38 1.6 1.1 $540 Grainger County 1,682 $42,200 $317 $1,055 $586 $23,440 19% $12,660 $10.74 29% 8,153 $46,300 $347 $1,158 $586 $559 1.0 1.6 $23,440 $11.27 $13,890 Greene County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 207 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

214 Tennessee RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 afford 2 BR FMR 2 BR FMR FM R I AM (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI of AMI renter wage $36,400 $273 $910 $586 $23,440 24% 1,267 $11.27 $7.67 Grundy County 1.6 1.5 $399 $10,920 $521 $15,450 1.2 1.7 $10.03 $12.10 Hamblen County 32% $25,160 $629 $1,288 $386 $51,500 7,746 $30,680 $623 48,195 $61,300 $460 $1,533 $767 Hamilton County 35% $18,390 $14.75 $11.98 2.0 1.2 $6.43 25% $23,440 $586 $790 $237 $31,600 692 1.6 Hancock County $9,480 $334 $11.27 1.8 1.1 $543 2,597 $43,100 $323 $1,078 $586 $23,440 30% $12,930 $11.27 $10.45 1.6 Hardeman County $25,200 1.1 1.7 $11.03 $12.12 $12,690 21% $573 $630 $1,058 $317 $42,300 2,123 Hardin County 1.8 $11.43 $12.69 $15,210 24% $26,400 $595 $1,268 $380 $50,700 5,639 Hawkins County 1.1 $660 1.1 1.7 $11.22 $12.35 $13,260 38% $25,680 $642 $1,105 $332 $44,200 2,644 Haywood County $583 25% Henderson County 1.4 1.7 $8.38 $12.04 $14,640 $436 $25,040 $1,220 $366 $48,800 2,700 $626 1.2 $499 Henry County 3,515 $50,100 $376 $1,253 $596 $23,840 26% $15,030 $11.46 $9.59 1.6 22% $436 $48,900 $367 $1,223 $666 $26,640 1,949 $14,670 $12.81 $8.38 1.8 1.5 Hickman County 1.6 Houston County 874 $45,800 $344 $1,145 $586 $23,440 26% $13,740 $11.27 $8.85 1.3 $460 $554 Humphreys County 1,622 $55,900 $419 $1,398 $621 $24,840 22% $16,770 $11.94 $10.65 1.6 1.1 $436 1.3 992 $43,900 $329 $1,098 $586 $23,440 22% $13,170 $11.27 $8.38 1.6 Jackson County $25,160 0.8 1.7 $14.29 $12.10 $15,450 27% $743 $629 $1,288 $386 $51,500 5,331 Jefferson County 1.6 $11.56 $11.27 $11,340 22% $23,440 $601 $945 $284 $37,800 1,585 Johnson County 1.0 $586 2.1 1.3 $630 Knox County 64,086 $61,900 $464 $1,548 $807 $32,280 35% $18,570 $15.52 $12.12 43% Lake County $37,900 $284 $948 $586 $23,440 925 $11,370 $11.27 $7.53 1.6 1.5 $391 $11.27 $10.58 1.6 1.1 $550 38% Lauderdale County $11,820 $586 $985 $296 $39,400 3,757 $23,440 $461 1.6 $8.87 $11.27 $14,670 26% 1.3 $586 $1,223 $367 $48,900 4,103 Lawrence County $23,440 $13,050 $11.27 $6.59 1.6 Lewis County 1,050 $43,500 $326 $1,088 $586 $23,440 22% 1.7 $342 26% Lincoln County $52,500 $394 $1,313 $593 $23,720 3,617 $15,750 $11.40 $10.41 1.6 1.1 $541 $32,280 Loudon County 4,675 $61,900 $464 $1,548 $807 $554 23% $18,570 $15.52 $10.65 2.1 1.5 $606 $503 $9.68 $11.65 $14,970 25% $24,240 1.6 $1,248 $374 $49,900 5,125 McMinn County 1.2 $520 1.1 $9.99 $11.27 $12,780 27% $23,440 $586 $1,065 $320 $42,600 2,612 McNairy County 1.6 $608 1.0 Macon County 2,496 $43,400 $326 $1,085 $586 $23,440 29% $13,020 $11.27 $11.70 1.6 $29,520 1.5 12,749 $54,100 $406 $1,353 $738 Madison County 35% $16,230 $14.19 $9.72 2.0 $505 2.0 1.8 $432 Marion County 3,008 $61,300 $460 $1,533 $767 $30,680 27% $18,390 $14.75 $8.30 $13.27 $27,600 3,080 $53,300 $400 $1,333 $494 1.4 1.8 $9.51 $690 $15,990 26% Marshall County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 208 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

215 Tennessee HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Renter % of total Monthly rent affordable affordable minimum wage hourly mean 1 wage needed to afford 2 BR 2 BR to afford Annual affordable seholds hou households at 30% at mean renter wage needed to afford 30% 5 2 4 3 afford 2 BR FMR AM 2 BR FMR R FM I (2010-2014) at AMI (2010-2014) of AMI renter wage 2 BR FMR (2016) of AMI 30% Maury County $57,900 $434 $1,448 $692 $27,680 9,729 $17,370 $13.31 $10.62 1.8 1.3 $552 22% $536 1.1 1.6 $10.31 $11.27 $14,670 Meigs County $23,440 $586 $1,223 $367 $48,900 1,050 $24,200 $510 4,617 $46,100 $346 $1,153 $605 Monroe County 26% $13,830 $11.63 $9.80 1.6 1.2 1.4 $430 $57,300 25,376 Montgomery County $11.17 $15.33 $17,190 39% $31,880 $581 $797 $1,433 2.1 17% $1,105 $458 $1,525 $586 Moore County $23,440 $61,000 $18,300 $11.27 $21.24 1.6 0.5 409 1,478 $46,600 $350 $1,165 $621 $24,840 20% Morgan County $13,980 $11.94 $12.27 1.6 1.0 $638 $14,400 Obion County $48,000 $360 $1,200 $586 32% 3,941 $11.27 $9.40 1.6 1.2 $489 $23,440 $458 1.3 1.6 $8.82 $11.40 $13,410 22% $23,720 $593 $1,118 $335 $44,700 1,914 Overton County 25% Perry County 1.3 1.6 $8.58 $11.27 $12,210 $446 $586 $1,018 $305 $40,700 803 $23,440 1.4 $415 Pickett County 451 $43,300 $325 $1,083 $586 $23,440 20% $12,990 $11.27 $7.99 1.6 20% $307 $51,300 $385 $1,283 $765 $30,600 1,322 $15,390 $14.71 $5.91 2.0 2.5 Polk County 1.4 Putnam County 11,268 $42,400 $318 $1,060 $658 $26,320 38% $12,720 $12.65 $8.90 1.7 $463 $408 Rhea County 3,774 $47,800 $359 $1,195 $598 $23,920 31% $14,340 $11.50 $7.85 1.6 1.5 $787 0.9 6,006 $54,100 $406 $1,353 $695 $27,800 27% $16,230 $13.37 $15.13 1.8 Roane County $37,000 1.6 2.5 $11.08 $17.79 $20,550 23% $576 $925 $1,713 $514 $68,500 5,737 Robertson County 2.5 $13.74 $17.79 $20,550 33% $37,000 $715 $1,713 $514 $68,500 32,687 Rutherford County 1.3 $925 1.6 1.4 $424 Scott County 2,053 $36,800 $276 $920 $586 $23,440 25% $11,040 $11.27 $8.15 24% Sequatchie County $61,300 $460 $1,533 $767 $30,680 1,357 $18,390 $14.75 $6.74 2.0 2.2 $350 $13.38 $8.48 1.8 1.6 $441 34% Sevier County $15,480 $696 $1,290 $387 $51,600 12,270 $27,840 $775 2.2 $14.91 $15.90 $18,030 42% 1.1 $827 $1,503 $451 $60,100 145,068 Shelby County $33,080 $16,110 $11.77 $7.31 1.6 Smith County 1,865 $53,700 $403 $1,343 $612 $24,480 25% 1.6 $380 19% Stewart County $52,600 $395 $1,315 $586 $23,440 1,014 $15,780 $11.27 $8.55 1.6 1.3 $445 $26,400 Sullivan County 17,208 $50,700 $380 $1,268 $660 $633 26% $15,210 $12.69 $12.18 1.8 1.0 $925 $639 $12.28 $17.79 $20,550 28% $37,000 2.5 $1,713 $514 $68,500 16,989 Sumner County 1.4 $405 2.0 $7.79 $15.90 $18,030 27% $33,080 $827 $1,503 $451 $60,100 5,767 Tipton County 2.2 $398 2.3 Trousdale County 730 $68,500 $514 $1,713 $925 $37,000 25% $20,550 $17.79 $7.66 2.5 $26,320 1.1 1,979 $49,800 $374 $1,245 $658 Unicoi County 26% $14,940 $12.65 $11.77 1.7 $612 2.1 1.8 $441 Union County 1,533 $61,900 $464 $1,548 $807 $32,280 21% $18,570 $15.52 $8.49 $11.63 $24,200 308 $42,100 $316 $1,053 $486 1.2 1.6 $9.35 $605 $12,630 15% Van Buren County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 209 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

216 Tennessee AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Hourly wage Full-time Annual income rent rent Full-time jobs at Estimated mean renter necessary to needed Renter Monthly rent % of total minimum wage affordable hourly mean affordable 1 afford 2 BR wage needed to to afford Annual 2 BR hou seholds households affordable at mean at 30% needed to afford renter wage 30% 5 4 3 2 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) at AMI (2010-2014) renter wage (2016) 2 BR FMR of AMI of AMI $13,530 $514 $338 $1,128 $586 $23,440 30% $45,100 $11.27 $9.88 1.6 1.1 Warren County 4,631 Washington County 1.4 1.7 $9.21 $12.65 $14,940 33% $26,320 $658 $1,245 $374 $49,800 17,495 $479 1.4 1.6 $8.18 $11.27 $13,740 18% $586 $1,145 $344 $45,800 1,080 Wayne County $425 $23,440 $439 $8.45 $11.27 $15,600 34% $23,440 $586 1.6 $1,300 $390 $52,000 4,662 Weakley County 1.3 $23,440 $424 1.6 $8.16 $11.27 $13,050 24% 1.4 $586 $1,088 $326 $43,500 White County 2,375 $17.79 $14.25 2.5 1.2 $741 Williamson County 12,966 $68,500 $514 $1,713 $925 $37,000 19% $20,550 $17.79 $37,000 9,571 $68,500 $514 $1,713 $529 1.7 2.5 $10.18 $925 $20,550 22% Wilson County 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 210 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

217 TEXAS S TAT E . In order to afford $915 In Texas, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — * $36,611 monthly or $3,051 a household must earn annually. Assuming a 40-hour work week, 23 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $17.60 STATE FACTS MOST EXPENSIVE COUNTIES HOUSING WAGE* Midland County Minimum Wage $7.25 $24.15 $17.07 Average Renter Wage $21.65 Bastrop County 2-Bedroom Housing Wage Caldwell County $21.65 $17.60 3,361,040 Number of Renter Households $21.65 Hays County Percent Renters 37% $21.65 Travis County (tied with 1 other) $915 Two bedroom FMR 97 $1,609 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $887 renter wage ––––––––––––– $483 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.4 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 211 OUT OF REACH 2016

218 Texas AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR 2 BR Annual to afford households affordable households needed to afford renter wage at mean at 30% 30% 5 4 3 2 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) at AMI (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI Texas $483 1.0 $19,308 $64,360 2.4 3,361,040 $36,611 $887 $1,609 $17.07 $17.60 37% $915 Combined Nonmetro Areas $28,618 28% $13.76 $13.28 1.9 1.0 $691 $715 $52,001 $15,600 $390 297,802 $1,300 Metropolitan Areas 37% Abilene MSA $58,000 $435 $1,450 $786 $31,440 22,139 $17,400 $15.12 $12.36 2.1 1.2 $643 $15.65 $713 33,750 $32,560 $814 $1,580 $474 $13.72 $63,200 Amarillo HMFA 36% 1.1 $18,960 2.2 $17,220 Aransas County HMFA $431 $1,435 $838 $33,520 28% $57,400 $16.12 $12.07 2.2 1.3 $628 2,650 $885 3,941 0.8 1.9 $17.02 $14.00 $16,320 Atascosa County HMFA $29,120 $728 $1,360 $408 $54,400 26% 2,629 $66,500 $499 $1,663 $817 $32,680 Austin County HMFA $19,950 $15.71 $14.48 2.2 1.1 $753 24% $21.65 $23,340 42% $45,040 $1,126 $1,945 $584 $77,800 Austin-Round Rock MSA 3.0 $894 283,489 1.3 $17.18 $15.38 2.1 1.0 $800 45,692 Beaumont-Port Arthur HMFA $58,400 $438 $1,460 $805 $32,200 32% $17,520 $15.48 27% 29,231 $82,700 $620 $2,068 $870 $34,800 Brazoria County HMFA $24,810 $16.73 $15.86 2.3 1.1 $825 39,334 $38,200 Brownsville-Harlingen MSA $287 $955 $678 $27,120 33% $11,460 $13.04 $8.27 1.8 1.6 $430 $17,670 42,363 $442 $1,473 $862 $34,480 50% $58,900 $16.58 $11.12 2.3 1.5 $578 College Station-Bryan MSA 2.6 Corpus Christi HMFA $57,900 $434 $1,448 $996 $39,840 40% $17,370 $19.15 59,759 $770 1.3 $14.81 $18.96 $19.90 2.6 1.0 $1,035 639,416 Dallas HMFA $71,700 $538 $1,793 $986 $39,440 41% $21,510 2.2 El Paso HMFA $545 98,498 $45,400 $341 $1,135 $817 $32,680 38% $13,620 $15.71 $10.48 1.5 27% 1.7 1,484 $11.06 1.1 $12.65 $13,320 $575 $26,320 $658 $1,110 $333 $44,400 Falls County HMFA Fort Worth-Arlington HMFA 1.2 $792 281,693 $69,400 $521 $1,735 $913 $36,520 37% $20,820 $17.56 $15.24 2.4 23% $19,980 4,858 $15.81 1.1 $731 Hood County HMFA $66,600 $500 $1,665 $822 $32,880 $14.06 2.2 $20,760 Houston-The Woodlands-Sugar Land HMFA $519 $1,730 $948 $37,920 39% $69,200 $18.23 $21.14 2.5 0.9 $1,099 785,312 $540 179 1.3 1.9 $10.38 $13.94 $7,800 Hudspeth County HMFA $29,000 $725 $650 $195 $26,000 18% 3,565 $89,000 $668 $2,225 $1,025 $41,000 Kendall County HMFA $26,700 $19.71 $11.13 2.7 1.8 $579 27% 55,917 $17,790 44% $31,320 $783 $1,483 $445 $59,300 Killeen-Temple HMFA $15.06 1.1 $723 2.1 $13.91 $12.65 $9.61 1.7 1.3 $500 1,869 Lampasas County HMFA $59,600 $447 $1,490 $658 $26,320 25% $17,880 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fair Market Rent (HUD, 2016) 2016 2: FMR = Fiscal Year 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. income on gross housing costs. 212 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

219 Texas RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly jobs at Full-time Hourly wage Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed % of total Monthly rent Renter minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford Annual 2 BR households households affordable renter wage needed to afford at 30% at mean 30% 4 2 3 5 FMR afford 2 BR 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI of AMI $13,170 Laredo MSA $449 1.7 2.0 $8.64 $14.54 25,654 37% $30,240 $756 $1,098 $329 $43,900 20,291 Longview HMFA $708 1.1 2.1 $13.62 $15.02 $16,920 34% $31,240 $781 $1,410 $423 $56,400 $15.35 $1,513 $454 $60,500 Lubbock HMFA 43% 1.4 $566 46,494 $31,920 $798 $10.88 $18,150 2.1 606 Lynn County HMFA $50,600 $380 $1,265 $658 $26,320 28% $15,180 $12.65 $10.58 1.7 1.2 $550 $15,300 397 $51,000 $383 $1,275 $658 25% Martin County HMFA $12.65 $19.17 1.7 0.7 $997 $26,320 $445 70,929 $11,640 32% $29,160 $729 1.9 $970 $291 $38,800 McAllen-Edinburg-Mission MSA $14.02 1.6 $8.56 $12.65 $8.98 1.7 1.4 $467 3,185 Medina County HMFA $63,600 $477 $1,590 $658 $26,320 21% $19,080 $26,250 16,712 $656 $2,188 $1,256 $50,240 32% $87,500 $24.15 $22.84 3.3 1.1 $1,188 Midland HMFA $12.65 Newton County HMFA $47,900 $359 $1,198 $658 $26,320 23% $14,370 $8.75 1.7 1.4 $455 1,116 0.9 $1,099 17,320 $19.69 2.7 Odessa MSA $18,300 $21.14 $40,960 $1,024 $1,525 $458 $61,000 34% 156 Oldham County HMFA $64,100 $481 $1,603 $735 $29,400 24% $19,230 $14.13 $16.81 1.9 0.8 $874 24% $751 $56,900 $427 $1,423 $662 $26,480 Rusk County HMFA $17,070 $12.73 $14.44 1.8 0.9 4,198 $17,940 $16.94 $12.79 2.3 1.3 $665 15,936 San Angelo MSA $59,800 $449 $1,495 $881 $35,240 37% $17.87 San Antonio-New Braunfels HMFA 2.5 1.3 $712 277,118 $62,100 $466 $1,553 $929 $37,160 38% $18,630 $13.69 $31,520 $16,860 2.1 1.2 $672 15,129 32% $12.92 $788 $1,405 $422 $56,200 Sherman-Denison MSA $15.15 $1,813 $658 $26,320 29% 954 $21,750 1.7 0.5 $1,237 Somervell County HMFA $72,500 $544 $12.65 $23.79 $16,230 11,423 $406 $1,353 $712 $28,480 34% $54,100 $13.69 $10.12 1.9 1.4 $526 Texarkana-Texarkana HMFA 26,982 Tyler MSA $64,000 $480 $1,600 $846 $33,840 34% $19,200 $16.27 $13.99 2.2 1.2 $728 $34,240 $16.46 2.3 1.2 $17,460 $701 33% $13.48 $856 $1,455 $437 $58,200 Victoria MSA 11,629 35,465 $14.98 Waco HMFA $51,000 $383 $1,275 $779 $31,160 41% $15,300 $12.21 2.1 1.2 $635 35% $649 $57,400 $431 $1,435 $769 $30,760 Wichita Falls MSA $17,220 $14.79 $12.47 2.0 1.2 19,326 $19,590 $17.35 $16.04 2.4 1.1 $834 4,450 Wise County HMFA $65,300 $490 $1,633 $902 $36,080 22% Counties $704 Anderson County 4,557 $53,500 $700 $401 $1,338 27% 1.0 1.9 $13.54 $13.46 $16,050 $28,000 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 213 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

220 Texas HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households hou seholds affordable needed to afford renter wage at mean at 30% 30% 5 2 4 3 afford 2 BR FMR FMR 2 BR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI of AMI 23% Andrews County $78,600 $590 $1,965 $814 $32,560 1,251 $23,580 $15.65 $21.76 2.2 0.7 $1,131 34% $637 1.1 1.9 $12.25 $13.96 $15,150 Angelina County $29,040 $726 $1,263 $379 $50,500 10,463 $33,520 $628 2,650 $57,400 $431 $1,435 $838 Aransas County 28% $17,220 $16.12 $12.07 2.2 1.3 $9.64 $17,220 $501 18% $30,760 $769 $1,435 $431 $57,400 2.0 606 Archer County $14.79 1.5 $18,960 $635 $474 $1,580 $814 $32,560 22% $63,200 $15.65 $12.22 2.2 1.3 Armstrong County 147 Atascosa County 0.8 1.9 $17.02 $14.00 $16,320 26% $29,120 $728 $1,360 $408 $54,400 3,941 $885 1.1 2.2 $14.48 $15.71 $19,950 24% $817 $1,663 $499 $66,500 2,629 Austin County $753 $32,680 $590 $11.35 $12.65 $15,000 35% $26,320 $658 1.1 $1,250 $375 $50,000 846 Bailey County 1.7 $37,160 $477 2.5 $9.17 $17.87 $18,630 19% 1.9 $929 $466 $62,100 1,633 Bandera County $1,553 $9.41 3.0 2.3 $489 Bastrop County 5,314 $77,800 $584 $1,945 $1,126 $45,040 21% $23,340 $21.65 27% $569 $58,200 $437 $1,455 $658 $26,320 484 $17,460 $12.65 $10.95 1.7 1.2 Baylor County $16.56 Bee County 3,180 $51,600 $387 $1,290 $733 $29,320 36% $15,480 $14.10 1.9 0.9 $861 $736 Bell County 47,017 $59,300 $445 $1,483 $783 $31,320 44% $17,790 $15.06 $14.15 2.1 1.1 2.5 $13.97 251,882 $62,100 $466 $1,553 $929 $37,160 41% $18,630 $17.87 1.3 $726 Bexar County $31,560 $12.51 1.2 2.1 $15.17 $21,120 22% $651 $789 $1,760 $528 $70,400 895 Blanco County $13.29 $27,640 $691 $1,958 1.8 $78,300 85 Borden County $8.52 $23,490 33% 1.6 $443 $587 $12.65 $12.70 1.7 1.0 $660 Bosque County 1,660 $55,300 $415 $1,383 $658 $26,320 24% $16,590 34% Bowie County $54,100 $406 $1,353 $712 $28,480 11,423 $16,230 $13.69 $10.12 1.9 1.4 $526 1.1 $825 $24,810 $15.86 2.3 Brazoria County 27% $16.73 $870 $2,068 $620 $82,700 29,231 $34,800 $583 2.3 $11.21 $16.58 $17,670 55% 1.5 $862 $1,473 $442 $58,900 39,459 Brazos County $34,480 41% $17,220 1.2 $652 $14.54 Brewster County 1,659 $57,400 $431 $1,435 $756 $30,240 $12.54 2.0 23% Briscoe County $51,900 $389 $1,298 $658 $26,320 143 $15,570 $12.65 $8.88 1.7 1.4 $462 $26,320 Brooks County 826 $29,300 $220 $733 $658 $540 35% $8,790 $12.65 $10.39 1.7 1.2 $689 $536 $10.30 $13.25 $15,060 30% $27,560 1.8 $1,255 $377 $50,200 4,035 Brown County 1.3 2.3 $11.15 $16.58 1.5 $17,670 19% $34,480 $862 $1,473 $442 $58,900 1,167 Burleson County $580 $641 $12.32 Burnet County 4,550 $59,700 $448 $1,493 $755 $30,200 27% $17,910 $14.52 2.0 1.2 $45,040 1.8 4,052 $77,800 $584 $1,945 $1,126 Caldwell County 34% $23,340 $21.65 $12.00 3.0 $624 $15.08 $20.08 2.1 0.8 $1,044 Calhoun County 2,307 $57,600 $432 $1,440 $784 $31,360 29% $17,280 $860 18% 943 $58,000 $435 $786 $1,450 Callahan County 0.9 2.1 $16.54 $15.12 $17,400 $31,440 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 214 OUT OF REACH 2016 •

221 Texas RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total minimum wage hourly mean affordable affordable Monthly rent 1 afford 2 BR wage needed to to afford Annual 2 BR households households renter wage needed to afford at 30% at mean affordable 30% 3 2 5 4 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage at AMI of AMI 33% Cameron County $38,200 $287 $955 $678 $27,120 39,334 $11,460 $13.04 $8.27 1.8 1.6 $430 31% $675 1.0 1.7 $12.97 $12.65 $14,100 Camp County $26,320 $658 $1,175 $353 $47,000 1,372 $32,560 $1,649 265 $63,200 $474 $1,580 $814 Carson County 11% $18,960 $15.65 $31.71 2.2 0.5 $10.35 $14,490 $538 26% $26,320 $658 $1,208 $362 $48,300 1.7 3,013 Cass County $12.65 1.2 $12,510 $670 $313 $1,043 $748 $29,920 30% $41,700 $14.38 $12.89 2.0 1.1 Castro County 745 Chambers County 1.1 2.5 $17.01 $18.23 $20,760 18% $37,920 $948 $1,730 $519 $69,200 2,203 $884 1.5 1.8 $8.99 $13.29 $14,400 29% $691 $1,200 $360 $48,000 5,040 Cherokee County $467 $27,640 $401 $7.71 $12.98 $17,910 33% $27,000 $675 1.7 $1,493 $448 $59,700 791 Childress County 1.8 $30,760 $623 2.0 $11.97 $14.79 $17,220 16% 1.2 $769 $431 $57,400 676 Clay County $1,435 $13.52 1.7 0.9 $703 Cochran County 205 $44,600 $335 $1,115 $658 $26,320 21% $13,380 $12.65 28% $544 $62,300 $467 $1,558 $658 $26,320 429 $18,690 $12.65 $10.47 1.7 1.2 Coke County $8.44 Coleman County 1,123 $38,900 $292 $973 $658 $26,320 32% $11,670 $12.65 1.7 1.5 $439 $918 Collin County 97,382 $71,700 $538 $1,793 $986 $39,440 33% $21,510 $18.96 $17.66 2.6 1.1 1.9 $14.96 200 $49,500 $371 $1,238 $719 $28,760 18% $14,850 $13.83 0.9 $778 Collingsworth County $26,320 $13.44 0.9 1.7 $12.65 $17,070 21% $699 $658 $1,423 $427 $56,900 1,628 Colorado County $17.87 $37,160 $929 $1,553 2.5 $62,100 10,418 Comal County $10.48 $18,630 24% 1.7 $545 $466 $12.65 $10.96 1.7 1.2 $570 Comanche County 1,285 $46,700 $350 $1,168 $658 $26,320 25% $14,010 22% Concho County $60,200 $452 $1,505 $1,077 $43,080 181 $18,060 $20.71 $7.42 2.9 2.8 $386 1.1 $727 $18,210 $13.97 2.2 Cooke County 30% $15.81 $822 $1,518 $455 $60,700 4,428 $32,880 $608 2.1 $11.70 $15.06 $17,790 43% 1.3 $783 $1,483 $445 $59,300 8,900 Coryell County $31,320 25% $12,090 1.4 $476 $12.65 Cottle County 179 $40,300 $302 $1,008 $658 $26,320 $9.15 1.7 27% Crane County $62,200 $467 $1,555 $658 $26,320 430 $18,660 $12.65 $31.01 1.7 0.4 $1,612 $26,320 Crockett County 410 $58,600 $440 $1,465 $658 $1,012 29% $17,580 $12.65 $19.46 1.7 0.7 $798 $744 $14.32 $15.35 $18,150 36% $31,920 2.1 $1,513 $454 $60,500 786 Crosby County 1.1 1.7 $13.12 $12.65 1.0 $13,470 29% $26,320 $658 $1,123 $337 $44,900 254 Culberson County $682 $782 $15.04 Dallam County 802 $45,500 $341 $1,138 $658 $26,320 35% $13,650 $12.65 1.7 0.8 $39,440 0.9 416,813 $71,700 $538 $1,793 $986 Dallas County 48% $21,510 $18.96 $21.89 2.6 $1,138 $12.65 $11.77 1.7 1.1 $612 Dawson County 1,254 $53,300 $400 $1,333 $658 $26,320 29% $15,990 $706 33% 2,072 $49,000 $368 $699 $1,225 Deaf Smith County 1.0 1.9 $13.58 $13.44 $14,700 $27,960 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 215 OUT OF REACH 2016 •

222 Texas RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 afford 2 BR FMR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 21% Delta County $53,900 $404 $1,348 $658 $26,320 395 $16,170 $12.65 $4.51 1.7 2.8 $235 35% $666 1.5 2.6 $12.81 $18.96 $21,510 Denton County $39,440 $986 $1,793 $538 $71,700 88,486 $26,320 $653 1,512 $56,900 $427 $1,423 $658 DeWitt County 22% $17,070 $12.65 $12.56 1.7 1.0 0.9 $413 $55,000 225 Dickens County $13.36 $12.65 $16,500 24% $26,320 $695 $658 $1,375 1.7 29% $692 $342 $1,140 $658 Dimmit County $26,320 $45,600 $13,680 $12.65 $13.31 1.7 1.0 1,041 295 $59,500 $446 $1,488 $658 $26,320 23% Donley County $17,850 $12.65 $9.57 1.7 1.3 $497 $12,600 Duval County $42,000 $315 $1,050 $747 29% 1,134 $14.37 $18.95 2.0 0.8 $985 $29,880 $1,076 0.6 1.7 $20.69 $12.65 $13,620 27% $26,320 $658 $1,135 $341 $45,400 1,871 Eastland County 34% Ector County 0.9 2.7 $21.14 $19.69 $18,300 $1,099 $1,024 $1,525 $458 $61,000 17,320 $40,960 1.4 $475 Edwards County 88 $55,900 $419 $1,398 $658 $26,320 11% $16,770 $12.65 $9.13 1.7 27% $599 $71,700 $538 $1,793 $986 $39,440 14,162 $21,510 $18.96 $11.51 2.6 1.6 Ellis County 1.5 El Paso County 98,498 $45,400 $341 $1,135 $817 $32,680 38% $13,620 $15.71 $10.48 2.2 $545 $459 Erath County 5,947 $53,600 $402 $1,340 $756 $30,240 40% $16,080 $14.54 $8.83 2.0 1.6 $575 1.1 1,484 $44,400 $333 $1,110 $658 $26,320 27% $13,320 $12.65 $11.06 1.7 Falls County $28,320 1.7 1.9 $7.95 $13.62 $16,140 26% $413 $708 $1,345 $404 $53,800 3,030 Fannin County 1.8 $13.05 $13.10 $18,750 23% $27,240 $679 $1,563 $469 $62,500 2,277 Fayette County 1.0 $681 1.7 0.8 $823 Fisher County 434 $56,500 $424 $1,413 $658 $26,320 27% $16,950 $12.65 $15.83 32% Floyd County $56,100 $421 $1,403 $658 $26,320 770 $16,830 $12.65 $10.92 1.7 1.2 $568 2.0 $334 $13,590 $6.43 1.7 Foard County 28% $12.65 $658 $1,133 $340 $45,300 147 $26,320 $784 2.5 $15.07 $18.23 $20,760 21% 1.2 $948 $1,730 $519 $69,200 42,171 Fort Bend County $37,920 $12.65 $10.72 1.7 Franklin County 1,005 $63,400 $476 $1,585 $658 $26,320 24% $19,020 1.2 $558 23% Freestone County $55,700 $418 $1,393 $658 $26,320 1,688 $16,710 $12.65 $15.22 1.7 0.8 $791 $26,680 Frio County 1,494 $39,800 $299 $995 $667 $1,230 31% $11,940 $12.83 $23.65 1.8 0.5 $658 $839 $16.14 $12.65 $17,520 22% $26,320 1.7 $1,460 $438 $58,400 1,184 Gaines County 0.8 $610 1.6 $11.74 $18.23 $20,760 33% $37,920 $948 $1,730 $519 $69,200 36,565 Galveston County 2.5 $728 0.9 Garza County 415 $58,500 $439 $1,463 $658 $26,320 26% $17,550 $12.65 $14.00 1.7 $37,120 1.9 2,695 $67,200 $504 $1,680 $928 Gillespie County 25% $20,160 $17.85 $9.45 2.5 $491 1.8 1.1 $657 Glasscock County 159 $101,000 $758 $2,525 $691 $27,640 34% $30,300 $13.29 $12.64 $709 15% 461 $58,200 $437 $856 $1,455 Goliad County 1.2 2.3 $13.64 $16.46 $17,460 $34,240 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 216 OUT OF REACH 2016 •

223 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $46,500 $349 $1,163 $658 $26,320 29% 1,856 $12.65 $12.23 Gonzales County 1.7 1.0 $636 $13,950 $801 $16,740 0.8 1.7 $15.40 $12.65 Gray County 26% $26,320 $658 $1,395 $419 $55,800 2,195 $31,520 $672 15,129 $56,200 $422 $1,405 $788 Grayson County 32% $16,860 $15.15 $12.92 2.1 1.2 $13.63 38% $31,240 $781 $1,410 $423 $56,400 17,389 2.1 Gregg County $16,920 $709 $15.02 1.1 0.9 $699 2,212 $57,900 $434 $1,448 $658 $26,320 25% $17,370 $12.65 $13.44 1.7 Grimes County $37,160 1.4 2.5 $12.70 $17.87 $18,630 22% $660 $929 $1,553 $466 $62,100 10,675 Guadalupe County 1.7 $10.97 $12.65 $14,160 37% $26,320 $570 $1,180 $354 $47,200 4,325 Hale County 1.2 $658 1.4 1.7 $9.09 $12.65 $14,040 31% $26,320 $658 $1,170 $351 $46,800 366 Hall County $473 27% Hamilton County 1.3 1.9 $10.14 $13.44 $15,060 $527 $27,960 $1,255 $377 $50,200 834 $699 0.6 $1,029 Hansford County 463 $59,200 $444 $1,480 $665 $26,600 23% $17,760 $12.79 $19.79 1.8 29% $331 $47,000 $353 $1,175 $733 $29,320 492 $14,100 $14.10 $6.37 1.9 2.2 Hardeman County 2.1 Hardin County 4,480 $58,400 $438 $1,460 $805 $32,200 22% $17,520 $15.48 $15.16 1.0 $788 $1,165 Harris County 648,365 $69,200 $519 $1,730 $948 $37,920 44% $20,760 $18.23 $22.41 2.5 0.8 $847 0.8 6,068 $47,400 $356 $1,185 $680 $27,200 26% $14,220 $13.08 $16.28 1.8 Harrison County $30,120 1.4 2.0 $10.13 $14.48 $23,250 35% $527 $753 $1,938 $581 $77,500 642 Hartley County 1.7 $8.58 $12.65 $15,060 24% $26,320 $446 $1,255 $377 $50,200 548 Haskell County 1.5 $658 3.0 2.9 $383 Hays County 20,511 $77,800 $584 $1,945 $1,126 $45,040 35% $23,340 $21.65 $7.36 27% Hemphill County $68,300 $512 $1,708 $658 $26,320 376 $20,490 $12.65 $20.97 1.7 0.6 $1,090 1.6 $529 $13,830 $10.18 2.3 Henderson County 25% $16.33 $849 $1,153 $346 $46,100 7,313 $33,960 $445 1.9 $8.56 $14.02 $11,640 32% 1.6 $729 $970 $291 $38,800 70,929 Hidalgo County $29,160 $13.79 $12.62 1.9 Hill County 3,624 $53,600 $402 $1,340 $717 $28,680 28% $16,080 1.1 $656 30% Hockley County $62,600 $470 $1,565 $793 $31,720 2,475 $18,780 $15.25 $16.74 2.1 0.9 $870 $32,880 Hood County 4,858 $66,600 $500 $1,665 $822 $731 23% $19,980 $15.81 $14.06 2.2 1.1 $729 $609 $11.70 $14.02 $16,050 28% $29,160 1.9 $1,338 $401 $53,500 3,756 Hopkins County 1.2 $805 0.8 $15.48 $12.73 $14,340 30% $26,480 $662 $1,195 $359 $47,800 2,349 Houston County 1.8 $740 1.0 Howard County 3,551 $60,200 $452 $1,505 $752 $30,080 32% $18,060 $14.46 $14.22 2.0 $29,000 1.3 179 $26,000 $195 $650 $725 Hudspeth County 18% $7,800 $13.94 $10.38 1.9 $540 2.6 1.5 $654 Hunt County 9,464 $71,700 $538 $1,793 $986 $39,440 31% $21,510 $18.96 $12.58 $821 23% 1,944 $53,200 $399 $700 $1,330 Hutchinson County 0.9 1.9 $15.78 $13.46 $15,960 $28,000 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 217 OUT OF REACH 2016 •

224 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $59,800 $449 $1,495 $881 $35,240 24% 148 $16.94 $20.24 Irion County 2.3 0.8 $1,052 $17,940 $1,015 $19,950 0.8 2.2 $19.52 $16.29 Jack County 25% $33,880 $847 $1,663 $499 $66,500 748 $29,160 $838 1,304 $63,700 $478 $1,593 $729 Jackson County 25% $19,110 $14.02 $16.11 1.9 0.9 $9.44 22% $30,800 $770 $1,268 $380 $50,700 2,792 Jasper County $15,210 2.0 $491 $14.81 1.6 1.5 $675 280 $61,900 $464 $1,548 $994 $39,760 27% $18,570 $19.12 $12.98 2.6 Jeff Davis County $32,200 1.0 2.1 $15.48 $15.48 $17,520 36% $805 $805 $1,460 $438 $58,400 33,707 Jefferson County 1.7 $15.27 $12.65 $13,170 25% $26,320 $794 $1,098 $329 $43,900 440 Jim Hogg County 0.8 $658 0.9 2.1 $17.20 $14.94 $14,640 29% $31,080 $777 $1,220 $366 $48,800 3,881 Jim Wells County $894 25% Johnson County 1.3 2.4 $13.53 $17.56 $20,820 $704 $36,520 $1,735 $521 $69,400 13,516 $913 1.4 $575 Jones County 1,220 $58,000 $435 $1,450 $786 $31,440 22% $17,400 $15.12 $11.06 2.1 24% $632 $57,100 $428 $1,428 $658 $26,320 1,083 $17,130 $12.65 $12.15 1.7 1.0 Karnes County $18.96 Kaufman County 7,956 $71,700 $538 $1,793 $986 $39,440 23% $21,510 $9.72 2.6 2.0 $505 1.8 Kendall County 3,565 $89,000 $668 $2,225 $1,025 $41,000 27% $26,700 $19.71 $579 $11.13 2.7 $1,145 0.7 91 $61,200 $459 $1,530 $791 $31,640 69% $18,360 $15.21 $22.03 2.1 Kenedy County $691 Kent County † $13.29 $17,250 25% $27,640 1.8 $1,438 $431 $57,500 95 Kerr County 2.2 1.2 $13.07 $15.71 $16,980 $680 $32,680 $817 $1,415 $425 $56,600 5,899 29% 1.8 1.7 $406 Kimble County 493 $54,500 $409 $1,363 $672 $26,880 24% $16,350 $12.92 $7.80 $940 King County † $78,300 $587 $1,958 80 $37,600 63% $23,490 $18.08 2.5 1.7 $388 Kinney County 199 $46,600 $350 $1,165 $658 $26,320 17% $13,980 $12.65 $7.47 1.7 $30,120 1.3 2.0 $11.00 $14.48 $14,850 47% $572 $753 $1,238 $371 $49,500 5,242 Kleberg County 30% $17.24 1.7 0.7 $897 $26,320 $658 $1,160 $348 $46,400 453 Knox County $13,920 $12.65 $26,560 34% $15,570 $12.77 $12.15 1.8 1.1 $632 Lamar County $389 $1,298 $664 6,522 $51,900 $13,950 Lamb County $349 $1,163 $658 $26,320 30% $46,500 $12.65 $11.99 1.7 1.1 $623 1,434 Lampasas County $500 1.3 1.7 $9.61 $12.65 $17,880 25% $26,320 $658 $1,490 $447 $59,600 1,869 $1,287 0.6 1.9 $24.76 $13.71 $11,280 $713 $28,520 $940 $282 $37,600 603 La Salle County 32% $12.65 $16,860 21% $26,320 $658 $1,405 1.7 $422 $56,200 1,617 Lavaca County 1.0 $12.40 $645 $812 1.7 $15.61 $12.65 $20,430 25% 0.8 $658 $1,703 $511 $68,100 1,469 Lee County $26,320 1.7 0.9 $716 Leon County 947 $56,000 $420 $1,400 $658 $26,320 15% $16,800 $12.65 $13.77 $701 22% 5,570 $69,200 $519 $948 $1,730 Liberty County 1.4 2.5 $13.49 $18.23 $20,760 $37,920 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 218 OUT OF REACH 2016 •

225 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $50,400 $378 $1,260 $772 $30,880 25% 2,041 $14.85 $13.33 Limestone County 2.0 1.1 $693 $15,120 $1,099 $19,980 0.6 1.8 $21.13 $12.94 Lipscomb County 28% $26,920 $673 $1,665 $500 $66,600 333 $26,320 $1,163 697 $51,000 $383 $1,275 $658 Live Oak County 19% $15,300 $12.65 $22.37 1.7 0.6 $9.17 22% $29,880 $747 $1,548 $464 $61,900 2.0 1,941 Llano County $18,570 $477 $14.37 1.6 $27,640 Loving County † $393 $1,310 $691 $52,400 64% $15,720 $13.29 1.8 21 Lubbock County $1,513 $60,500 $454 $564 1.4 2.1 $10.84 $15.35 $18,150 43% $31,920 $798 45,708 $50,600 28% Lynn County $550 1.2 1.7 $10.58 $12.65 $15,180 $26,320 $658 $1,265 $380 606 $683 657 $52,000 $390 $1,300 $658 McCulloch County 22% $15,600 $12.65 $13.14 1.7 1.0 $26,320 $779 35,465 41% $15,300 $14.98 $12.21 $383 2.1 1.2 $635 McLennan County $51,000 $1,275 $31,160 0.5 $1,535 McMullen County 47 $58,100 $436 $1,453 $691 $27,640 19% $17,430 $13.29 $29.52 1.8 29% $581 $50,600 $380 $1,265 $658 $26,320 1,126 $15,180 $12.65 $11.17 1.7 1.1 Madison County 1.6 Marion County 1,077 $47,400 $356 $1,185 $658 $26,320 24% $14,220 $12.65 $8.13 1.7 $423 $997 Martin County 397 $51,000 $383 $1,275 $658 $26,320 25% $15,300 $12.65 $19.17 1.7 0.7 $493 2.0 300 $61,100 $458 $1,528 $1,002 $40,080 18% $18,330 $19.27 $9.48 2.7 Mason County $28,160 0.8 1.9 $16.57 $13.54 $15,750 32% $862 $704 $1,313 $394 $52,500 4,171 Matagorda County 1.7 $7.35 $12.65 $10,710 30% $26,320 $382 $893 $268 $35,700 4,775 Maverick County 1.7 $658 1.7 1.4 $467 Medina County 3,185 $63,600 $477 $1,590 $658 $26,320 21% $19,080 $12.65 $8.98 27% Menard County $42,300 $317 $1,058 $658 $26,320 236 $12,690 $12.65 $5.50 1.7 2.3 $286 1.1 $1,188 $26,250 $22.84 3.3 Midland County 32% $24.15 $1,256 $2,188 $656 $87,500 16,712 $50,240 $776 1.8 $14.93 $12.87 $15,360 33% 0.9 $669 $1,280 $384 $51,200 3,037 Milam County $26,760 $12.65 $6.70 1.7 Mills County 308 $52,900 $397 $1,323 $658 $26,320 17% $15,870 1.9 $348 27% Mitchell County $54,400 $408 $1,360 $658 $26,320 737 $16,320 $12.65 $18.26 1.7 0.7 $950 $28,240 Montague County 2,128 $56,700 $425 $1,418 $706 $596 26% $17,010 $13.58 $11.45 1.9 1.2 $948 $818 $15.73 $18.23 $20,760 27% $37,920 2.5 $1,730 $519 $69,200 46,265 Montgomery County 1.2 $766 0.9 $14.74 $13.00 $16,530 31% $27,040 $676 $1,378 $413 $55,100 2,126 Moore County 1.8 $839 0.8 Morris County 1,377 $47,200 $354 $1,180 $658 $26,320 28% $14,160 $12.65 $16.14 1.7 $26,320 1.4 126 $41,100 $308 $1,028 $658 Motley County 27% $12,330 $12.65 $8.85 1.7 $460 2.1 1.4 $549 Nacogdoches County 10,267 $51,200 $384 $1,280 $774 $30,960 43% $15,360 $14.88 $10.56 $574 32% 5,627 $48,700 $365 $748 $1,218 Navarro County 1.3 2.0 $11.04 $14.38 $14,610 $29,920 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 219 OUT OF REACH 2016 •

226 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $47,900 $359 $1,198 $658 $26,320 23% 1,116 $12.65 $8.75 Newton County 1.7 1.4 $455 $14,370 $634 $14,250 1.0 1.7 $12.20 $12.65 Nolan County 31% $26,320 $658 $1,188 $356 $47,500 1,665 $39,840 $763 52,554 $57,900 $434 $1,448 $996 Nueces County 42% $17,370 $19.15 $14.68 2.6 1.3 $23.29 30% $29,720 $743 $1,543 $463 $61,700 1,120 2.0 Ochiltree County $18,510 $1,211 $14.29 0.6 0.8 $874 156 $64,100 $481 $1,603 $735 $29,400 24% $19,230 $14.13 $16.81 1.9 Oldham County $32,200 1.0 2.1 $14.95 $15.48 $17,520 24% $778 $805 $1,460 $438 $58,400 7,505 Orange County 2.0 $13.84 $14.77 $15,840 29% $30,720 $720 $1,320 $396 $52,800 3,006 Palo Pinto County 1.1 $768 0.7 1.7 $18.86 $12.67 $18,870 20% $26,360 $659 $1,573 $472 $62,900 1,826 Panola County $981 22% Parker County 1.5 2.4 $12.02 $17.56 $20,820 $625 $36,520 $1,735 $521 $69,400 9,399 $913 0.8 $810 Parmer County 989 $48,300 $362 $1,208 $658 $26,320 30% $14,490 $12.65 $15.58 1.7 32% $944 $60,100 $451 $1,503 $700 $28,000 1,456 $18,030 $13.46 $18.16 1.9 0.7 Pecos County 1.9 Polk County 3,588 $46,900 $352 $1,173 $702 $28,080 21% $14,070 $13.50 $10.21 1.3 $531 $705 Potter County 18,051 $63,200 $474 $1,580 $814 $32,560 42% $18,960 $15.65 $13.56 2.2 1.2 $451 1.5 859 $37,500 $281 $938 $658 $26,320 32% $11,250 $12.65 $8.67 1.7 Presidio County $26,320 1.6 1.7 $8.06 $12.65 $17,010 18% $419 $658 $1,418 $425 $56,700 765 Rains County 2.2 $11.25 $15.65 $18,960 31% $32,560 $585 $1,580 $474 $63,200 15,287 Randall County 1.4 $814 1.7 0.4 $1,507 Reagan County 328 $67,300 $505 $1,683 $658 $26,320 27% $20,190 $12.65 $28.99 24% Real County $39,500 $296 $988 $658 $26,320 295 $11,850 $12.65 $9.97 1.7 1.3 $519 1.7 $395 $13,050 $7.60 1.7 Red River County 27% $12.65 $658 $1,088 $326 $43,500 1,386 $26,320 $766 1.7 $14.74 $12.65 $13,860 28% 0.9 $658 $1,155 $347 $46,200 1,053 Reeves County $26,320 $12.65 $12.88 1.7 Refugio County 617 $50,300 $377 $1,258 $658 $26,320 22% $15,090 1.0 $670 12% Roberts County $85,500 $641 $2,138 $691 $27,640 43 $25,650 $13.29 $22.17 1.8 0.6 $1,153 $34,480 Robertson County 1,737 $58,900 $442 $1,473 $862 $473 29% $17,670 $16.58 $9.09 2.3 1.8 $986 $592 $11.38 $18.96 $21,510 19% $39,440 2.6 $1,793 $538 $71,700 5,153 Rockwall County 1.7 $588 1.1 $11.32 $12.65 $14,010 25% $26,320 $658 $1,168 $350 $46,700 921 Runnels County 1.7 $751 0.9 Rusk County 4,198 $56,900 $427 $1,423 $662 $26,480 24% $17,070 $12.73 $14.44 1.8 $26,640 1.3 480 $38,800 $291 $970 $666 Sabine County 12% $11,640 $12.81 $10.14 1.8 $527 1.7 1.4 $471 San Augustine County 616 $42,100 $316 $1,053 $658 $26,320 20% $12,630 $12.65 $9.06 $438 18% 1,669 $55,000 $413 $658 $1,375 San Jacinto County 1.5 1.7 $8.42 $12.65 $16,500 $26,320 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 220 OUT OF REACH 2016 •

227 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $57,900 $434 $1,448 $996 $39,840 32% 7,205 $19.15 $15.99 San Patricio County 2.6 1.2 $832 $17,370 $454 $14,070 1.4 1.7 $8.73 $12.65 San Saba County 24% $26,320 $658 $1,173 $352 $46,900 498 $26,320 $571 294 $72,400 $543 $1,810 $658 Schleicher County 29% $21,720 $12.65 $10.98 1.7 1.2 $21.97 26% $31,840 $796 $1,453 $436 $58,100 1,561 2.1 Scurry County $17,430 $1,143 $15.31 0.7 0.8 $813 311 $58,400 $438 $1,460 $658 $26,320 23% $17,520 $12.65 $15.63 1.7 Shackelford County $26,320 1.4 1.7 $9.31 $12.65 $13,590 28% $484 $658 $1,133 $340 $45,300 2,669 Shelby County 1.7 $13.78 $12.65 $18,150 24% $26,320 $717 $1,513 $454 $60,500 243 Sherman County 0.9 $658 1.2 2.2 $13.99 $16.27 $19,200 34% $33,840 $846 $1,600 $480 $64,000 26,982 Smith County $728 29% Somervell County 0.5 1.7 $23.79 $12.65 $21,750 $1,237 $26,320 $1,813 $544 $72,500 954 $658 2.0 $322 Starr County 3,768 $28,300 $212 $708 $658 $26,320 23% $8,490 $12.65 $6.19 1.7 25% $605 $51,400 $386 $1,285 $658 $26,320 867 $15,420 $12.65 $11.64 1.7 1.1 Stephens County 1.9 Sterling County 126 $59,700 $448 $1,493 $698 $27,920 27% $17,910 $13.42 $15.93 0.8 $828 $383 Stonewall County 132 $55,600 $417 $1,390 $658 $26,320 22% $16,680 $12.65 $7.37 1.7 1.7 $1,910 0.3 468 $62,000 $465 $1,550 $658 $26,320 32% $18,600 $12.65 $36.73 1.7 Sutton County $26,320 1.5 1.7 $8.69 $12.65 $13,890 27% $452 $658 $1,158 $347 $46,300 716 Swisher County 2.4 $15.45 $17.56 $20,820 39% $36,520 $803 $1,735 $521 $69,400 258,778 Tarrant County 1.1 $913 2.1 1.2 $640 Taylor County 19,976 $58,000 $435 $1,450 $786 $31,440 40% $17,400 $15.12 $12.31 36% Terrell County $52,400 $393 $1,310 $658 $26,320 145 $15,720 $12.65 $16.36 1.7 0.8 $851 0.8 $826 $14,100 $15.89 1.7 Terry County 30% $12.67 $659 $1,175 $353 $47,000 1,178 $26,360 $731 1.8 $14.05 $13.29 $13,050 31% 0.9 $691 $1,088 $326 $43,500 221 Throckmorton County $27,640 $12.65 $11.95 1.7 Titus County 3,159 $51,700 $388 $1,293 $658 $26,320 30% $15,510 1.1 $622 37% Tom Green County $59,800 $449 $1,495 $881 $35,240 15,788 $17,940 $16.94 $12.67 2.3 1.3 $659 $45,040 Travis County 203,131 $77,800 $584 $1,945 $1,126 $959 48% $23,340 $21.65 $18.44 3.0 1.2 $662 $601 $11.56 $12.73 $13,650 19% $26,480 1.8 $1,138 $341 $45,500 989 Trinity County 1.1 $448 1.5 $8.62 $12.65 $13,920 16% $26,320 $658 $1,160 $348 $46,400 1,293 Tyler County 1.7 $697 1.1 Upshur County 2,902 $56,400 $423 $1,410 $781 $31,240 20% $16,920 $15.02 $13.40 2.1 $26,320 0.4 325 $58,900 $442 $1,473 $658 Upton County 27% $17,670 $12.65 $28.99 1.7 $1,507 1.7 1.2 $531 Uvalde County 2,570 $42,300 $317 $1,058 $658 $26,320 30% $12,690 $12.65 $10.20 $550 34% 5,088 $46,700 $350 $674 $1,168 Val Verde County 1.2 1.8 $10.58 $12.96 $14,010 $26,960 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 221 OUT OF REACH 2016 •

228 Texas RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI $1,328 $15,930 22% $29,440 $736 $398 $53,100 4,154 Van Zandt County 2.0 $9.10 1.6 $473 $14.15 Victoria County $701 1.2 2.3 $13.48 $16.46 11,168 35% $34,240 $856 $1,455 $437 $58,200 $17,460 $443 8,772 $59,000 $443 $1,475 $830 Walker County 42% $17,700 $15.96 $8.52 2.2 1.9 $33,200 $714 $18.23 31% $37,920 $948 $1,730 1.3 $519 $69,200 4,173 2.5 Waller County $13.74 $20,760 $1,075 1,106 $54,300 $407 $1,358 $658 Ward County 28% $16,290 $12.65 $20.67 1.7 0.6 $26,320 1.1 1.9 $12.71 $14.04 $17,130 26% $29,200 $730 $1,428 $428 $57,100 3,134 Washington County $661 $30,240 1.7 25,654 $43,900 $329 $1,098 $756 Webb County 37% $13,170 $14.54 $8.64 2.0 $449 1.4 $552 Wharton County 4,722 $53,100 $398 $1,328 $749 $29,960 33% $15,930 $14.40 $10.62 2.0 $28,280 $775 594 $64,700 $485 $1,618 $707 Wheeler County 26% $19,410 $13.60 $14.90 1.9 0.9 $654 2.0 Wichita County 18,044 $57,400 $431 $1,435 $769 $30,760 38% $17,220 $14.79 $12.58 1.2 35% $659 $46,800 $351 $1,170 $658 $26,320 1,820 $14,040 $12.65 $12.67 1.7 1.0 Wilbarger County $398 Willacy County 1,109 $32,400 $243 $810 $658 $26,320 20% $9,720 $12.65 $7.66 1.7 1.7 3.0 1.3 $854 Williamson County 50,481 $77,800 $584 $1,945 $1,126 $45,040 32% $23,340 $21.65 $16.42 $62,100 Wilson County $1,553 $929 $37,160 16% $18,630 $17.87 $9.96 2.5 1.8 $518 2,510 $466 $57,100 $12.65 $1,428 $658 $26,320 21% $17,130 558 $22.47 1.7 0.6 $1,169 Winkler County $428 $17.35 4,450 $1,633 $902 $36,080 22% $19,590 $490 $16.04 2.4 1.1 $834 Wise County $65,300 3,105 $53,800 $404 $1,345 $711 $28,440 19% $16,140 $13.67 $10.34 1.9 Wood County 1.3 $538 $17,100 $1,425 $57,000 $428 $658 $26,320 24% 630 $12.65 $19.74 1.7 0.6 $1,026 Yoakum County Young County 2,069 $60,400 $453 $635 1.1 1.8 $12.22 $13.27 $18,120 28% $27,600 $690 $1,510 $11,460 Zapata County $287 $955 $658 $26,320 21% $38,200 $12.65 $11.80 1.7 1.1 $613 925 $33,800 997 $301 Zavala County 2.2 $5.79 $12.65 $10,140 1.7 28% $26,320 $658 $845 $254 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 222 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

229 UTAH S TAT E . In order to afford $849 In Utah, the Fair Market Rent (FMR) for a two-bedroom apartment is RANKING this level of rent and utilities — without paying more than 30% of income on housing — * $33,944 monthly or $2,829 a household must earn annually. Assuming a 40-hour work week, 26 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $16.32 STATE FACTS MOST EXPENSIVE COUNTIES HOUSING WAGE* Summit County Minimum Wage $7.25 $19.81 $12.39 Average Renter Wage $18.04 Salt Lake County 2-Bedroom Housing Wage Wasatch County $17.83 $16.32 271,589 Number of Renter Households $17.04 Rich County Percent Renters 30% $16.73 Uintah County $849 Two bedroom FMR 90 $1,748 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $644 renter wage ––––––––––––– $525 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.3 $227 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 223 OUT OF REACH 2016

230 Utah AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR to afford Annual 2 BR households households affordable renter wage needed to afford at mean at 30% 30% 5 3 4 2 afford 2 BR FMR 2 BR FMR AMI FMR (2010-2014) (2010-2014) at AMI (2016) 2 BR FMR of AMI renter wage of AMI Utah $12.39 $33,944 $1,748 $849 30% $16.32 $644 $20,981 $69,938 2.3 271,589 $525 1.3 Combined Nonmetro Areas $764 $65,105 $19,532 $488 26,989 $1,628 2.0 1.2 $620 $11.93 26% $14.69 $30,560 Metropolitan Areas $485 $1,615 $661 $26,440 22% $19,380 Box Elder County HMFA $10.07 1.8 1.3 $524 3,628 $12.71 $64,600 $57,700 $1,443 $658 $26,320 35% $17,310 $433 $8.61 1.7 1.5 $447 12,335 Logan MSA $12.65 $73,000 $548 $1,825 $826 $33,040 25% Ogden-Clearfield HMFA 44,996 $530 1.6 2.2 $10.19 $15.88 $21,900 $590 $788 $1,690 $507 $67,600 Provo-Orem MSA 32% 1.3 2.1 $11.35 $15.15 $20,280 48,138 $31,520 $18.04 Salt Lake City HMFA $1,845 $938 $37,520 33% $22,140 $554 $14.00 2.5 1.3 $728 116,355 $73,800 St. George MSA $59,600 $447 $1,490 $794 $31,760 31% $17,880 $15.27 $10.53 2.1 1.5 $547 14,821 $20,370 Tooele County HMFA $509 $1,698 $769 $30,760 24% $67,900 $14.79 $13.16 2.0 1.1 $684 4,327 Counties 1.8 Beaver County 517 $57,700 $433 $1,443 $661 $26,440 24% $17,310 $12.71 $7.29 $379 1.7 $1,615 22% 1.3 $524 $26,440 $661 $12.71 $485 $64,600 3,628 Box Elder County $19,380 $10.07 1.8 1.5 $447 12,335 $57,700 $433 $1,443 $658 $26,320 35% $17,310 $12.65 $8.61 1.7 Cache County $18,300 Carbon County $458 $1,525 $672 $26,880 30% $61,000 $12.92 $11.51 1.8 1.1 $599 2,355 Daggett County 57 $69,700 $523 $1,743 $845 $33,800 21% $20,910 $16.25 $9.76 2.2 1.7 $507 $526 Davis County 21,693 $73,000 $548 $1,825 $826 $33,040 22% $21,900 $15.88 $10.12 2.2 1.6 $778 2.1 $16.07 $14.96 $19,410 25% $31,120 $836 $1,618 $485 $64,700 1,670 Duchesne County 0.9 19% $825 $62,600 $470 $1,565 $658 $26,320 678 $18,780 $12.65 $15.87 1.7 0.8 Emery County $658 Garfield County 390 $51,800 $389 $1,295 $26,320 21% $15,540 $12.65 $10.21 1.7 1.2 $531 1.9 $499 Grand County 1,290 $64,300 $482 $1,608 $731 $29,240 34% $19,290 $14.06 $9.59 1.5 $418 1.6 1.7 $8.05 $12.65 $15,330 37% $26,320 $658 $1,278 $383 $51,100 Iron County 5,622 $31,520 1.3 589 $67,600 $507 $1,690 $788 Juab County 19% $20,280 $15.15 $11.65 2.1 $606 $15.27 $11.10 2.1 1.4 $577 Kane County 643 $60,400 $453 $1,510 $794 $31,760 22% $18,120 25% Millard County $60,800 $456 $1,520 $658 $26,320 1,038 $603 1.1 1.7 $11.59 $12.65 $18,240 $33,040 $826 $1,825 Morgan County $73,000 394 $483 1.7 2.2 $9.28 $15.88 $21,900 13% $548 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 224 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

231 Utah HOUSING COSTS RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Monthly rent Renter % of total minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual affordable households households needed to afford renter wage at 30% at mean 30% 5 4 2 3 afford 2 BR FMR 2 BR FMR AM FM I R at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI $33,880 2.2 2.6 $6.19 $16.29 $15,450 14% $322 $847 $1,288 $386 $51,500 76 Piute County Rich County $334 2.7 2.4 $6.42 $17.04 $20,100 18% $35,440 $886 $1,675 $503 $67,000 112 2.5 $728 Salt Lake County 116,355 $73,800 $554 $1,845 $938 $37,520 33% $22,140 $18.04 $14.00 1.3 $658 $12.00 $624 $12.65 $14,340 21% $26,320 1.1 $1,195 $359 $47,800 836 San Juan County 1.7 $427 2,051 Sanpete County 1.6 1.9 $8.20 $13.50 $60,000 $18,000 26% $28,080 $702 $1,500 $450 $26,520 $540 1,613 $55,400 $416 $1,385 $663 Sevier County 23% $16,620 $12.75 $10.39 1.8 1.2 2.7 1.7 $603 Summit County 3,171 $98,400 $738 $2,460 $1,030 $41,200 24% $29,520 $19.81 $11.59 $30,760 1.1 2.0 $13.16 $14.79 $20,370 24% $684 $769 $1,698 $509 $67,900 4,327 Tooele County 0.9 2.3 $17.74 $16.73 $20,310 25% $34,800 $870 $508 $67,700 2,737 Uintah County $922 $1,693 $11.35 2.1 1.3 $590 Utah County 47,549 $67,600 $507 $1,690 $788 $31,520 33% $20,280 $15.15 $11.97 2.5 $72,200 $542 $1,805 $927 $37,080 26% $21,660 $17.83 Wasatch County 1.5 $622 1,991 $447 2.1 $17,880 31% $31,760 $794 $1,490 $15.27 $59,600 14,821 Washington County 1.5 $547 $10.53 $12.65 $14,820 15% $26,320 $658 $1,235 142 $49,400 Wayne County $499 1.3 1.7 $9.59 $371 $21,900 29% $33,040 $826 $1,825 $548 $73,000 22,909 2.2 Weber County 1.5 $535 $10.28 $15.88 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 225 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

232 VERMONT S TAT E RANKING . In order to $1,099 In Vermont, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 13 $43,947 monthly or $3,662 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $21.13 STATE FACTS HOUSING WAGE* MOST EXPENSIVE AREAS Burlington-South Burlington MSA Minimum Wage $9.60 $26.08 $11.79 Windsor County Average Renter Wage $20.02 2-Bedroom Housing Wage Windham County $19.60 $21.13 74,835 Number of Renter Households $18.96 Washington County Percent Renters 29% $18.71 Bennington County $1,099 Two bedroom FMR 88 $1,791 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $613 renter wage ––––––––––––– $537 Rent affordable at 30% of AMI Rent affordable with full-time job paying $499 min wage 2.2 $236 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 226 OUT OF REACH 2016

233 Vermont AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households households affordable renter wage needed to afford at mean at 30% 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) renter wage of AMI of AMI Vermont $11.79 $1,791 $1,099 $43,947 29% $21.13 $71,642 1.8 $613 $537 74,835 2.2 $21,493 Combined Nonmetro Areas 47,435 $492 $19,669 $65,564 $1,639 $589 1.9 $950 $38,001 28% $18.27 $11.33 1.6 Metropolitan Areas $25,200 $26.08 $12.48 2.7 2.1 $1,356 Burlington-South Burlington MSA $84,000 $630 $2,100 $54,240 32% 27,400 $649 Counties $946 Addison County 3,636 $71,000 $533 $1,775 1.9 $37,840 26% $21,300 $18.19 $12.18 $633 1.5 $607 30% 1.9 $11.67 $38,920 $973 $1,573 $472 $62,900 4,616 Bennington County 1.6 $18.71 $18,870 $9.95 $517 Caledonia County 3,292 $56,400 $423 $1,410 $847 $33,880 27% $16,920 $16.29 1.7 1.6 $46,200 $14.62 19% $30,400 $760 $1,155 $347 $13,860 532 Essex County $8.36 1.5 1.7 $435 $9.96 1.9 1.8 $518 Lamoille County 2,916 $66,200 $497 $1,655 $955 $38,200 29% $19,860 $18.37 $36,800 1.8 1.8 $9.79 $17.69 $19,470 19% $509 $920 $1,623 $487 $64,900 2,358 Orange County 1.6 1.5 $9.30 $16,080 23% $30,680 $767 $1,340 $402 $53,600 2,578 Orleans County $484 $14.75 $17.21 $11.03 1.8 1.6 $574 Rutland County 7,740 $63,100 $473 $1,578 $895 $35,800 30% $18,930 27% Washington County $72,500 $544 $1,813 $986 $39,440 6,674 $21,750 $18.96 $11.93 2.0 1.6 $621 30% Windham County 5,842 $65,200 $489 $1,630 $1,019 $667 1.5 2.0 $40,760 $19.60 $19,560 $12.82 $20.02 Windsor County 7,251 $72,300 $542 $1,808 $1,041 $41,640 30% $21,690 $593 $11.41 2.1 1.8 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 227 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

234 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 This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties. 228 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

235 S TAT E VIRGINIA RANKING * . In order to $1,167 In Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is 11 afford this level of rent and utilities — without paying more than 30% of income on housing — monthly or $3,890 a household must earn annually. Assuming a 40-hour work week, $46,675 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $22.44 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $7.25 $31.21 Arlington County Average Renter Wage Clarke County $31.21 $16.45 $22.44 Fairfax County $31.21 2-Bedroom Housing Wage 1,013,466 Fauquier County $31.21 Number of Renter Households Percent Renters 33% Loudoun County (tied with 3 others) $31.21 $1,167 Two bedroom FMR 124 $1,970 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $856 renter wage ––––––––––––– $591 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 3.1 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 229 NATIONAL LOW INCOME HOUSING COALITION

236 Virginia RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent ssary to nece Monthly rent % of total Renter needed 1 afford 2 BR to a fford needed to a 2 BR Annual fford 30% 2 FMR 2 BR FMR 2 BR FMR FMR afford 2 BR Virginia 33% $46,675 1,013,466 $1,167 $1,970 $23,639 3.1 $856 1.4 $16.45 $22.44 $591 $78,798 Combined Nonmetro Areas $532 116,220 $388 $15,526 $51,753 $707 $1,294 1.3 1.9 $10.22 $13.59 27% $28,263 Metropolitan Areas $18,660 Blacksburg-Christiansburg-Radford HMFA $460 1.7 2.1 $8.85 $15.29 18,768 47% $31,800 $795 $1,555 $467 $62,200 $1,253 $14.00 $15,030 $50,100 Buckingham County HMFA 24% $728 $29,120 1,371 $557 $376 1.3 1.9 $10.71 28,592 $1,171 $1,945 $584 $77,800 36% $23,340 $22.52 $13.84 3.1 1.6 $720 $46,840 Charlottesville HMFA $23,190 $18.60 $11.03 2.6 Culpeper County HMFA $574 4,397 $77,300 $580 $1,933 $967 $38,680 27% 1.7 $658 $26,320 21% $15,690 $12.65 $11.64 1.7 1.1 $605 1,295 Floyd County HMFA $52,300 $392 $1,308 $17,220 5,176 $431 $1,435 $691 $27,640 22% $57,400 $13.29 $8.72 1.8 1.5 $454 Franklin County HMFA 1,771 $56,100 $421 $1,403 $658 $26,320 24% $16,830 $12.65 $12.70 1.7 1.0 $660 Giles County HMFA $808 38% $17,520 $15.54 $12.56 2.1 1.2 $32,320 $653 17,164 $1,460 $438 $58,400 Harrisonburg MSA 27% $538 1.2 1.8 $10.34 $12.69 $15,210 10,716 $26,400 $660 $1,268 $380 $50,700 Kingsport-Bristol-Bristol MSA $603 2.0 $11.59 $14.42 $18,090 29% $30,000 $750 $1,508 $452 $60,300 Lynchburg MSA 28,419 1.2 $1,810 $966 $38,640 55% $21,720 $18.58 $13.46 2.6 1.4 $700 6,932 Petersburg city $72,400 $543 $16,710 Pulaski County HMFA $573 1.1 1.7 $11.02 $12.65 4,089 27% $26,320 $658 $1,393 $418 $55,700 681 Rappahannock County HMFA $963 1.1 2.8 $18.52 $20.12 $20,550 21% $41,840 $1,046 $1,713 $514 $68,500 $1,810 1.2 $803 148,488 $72,400 Richmond MSA $543 33% $21,720 $18.58 $15.44 2.6 $966 $38,640 $18,510 33,956 $463 $1,543 $845 $33,800 32% $61,700 $16.25 $12.97 2.2 1.3 $675 Roanoke HMFA $569 13,510 1.3 2.0 $10.94 $14.48 $18,690 28% $30,120 $753 $1,558 $467 $62,300 Staunton-Waynesboro MSA $46,000 $1,763 $713 234,339 $1,150 38% $21,150 $22.12 $13.70 $529 $70,500 Virginia Beach-Norfolk-Newport News HMFA* 3.1 1.6 3,616 1.6 2.5 $11.34 $18.38 $22,350 $590 $38,240 $956 $1,863 $559 $74,500 Warren County HMFA 25% $2,715 $1,623 $64,920 34% $32,580 $31.21 $22.02 4.3 1.4 $1,145 321,867 Washington-Arlington-Alexandria HMFA* $108,600 $815 $780 $1,845 $928 $37,120 Winchester MSA $554 5,597 $73,800 1.2 2.5 $15.00 $17.85 $22,140 52% $928 Winchester-WV MSA $554 $73,800 6,502 $700 1.3 2.5 $13.46 $17.85 $22,140 22% $37,120 $1,845 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). 2: FMR = Fair Market Rent (HUD, 2016) Fiscal Year 2016 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 230 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

237 Virginia AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households affordable households renter wage needed to afford at mean at 30% 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) renter wage of AMI of AMI Counties $565 4,236 $50,000 $375 $1,250 $746 Accomack County 30% $15,000 $14.35 $10.86 2.0 1.3 $29,840 $733 1.6 3.1 $14.09 $22.52 $23,340 35% $46,840 $1,171 $1,945 $584 $77,800 13,402 Albemarle County $26,320 $454 1,377 $55,300 $415 $1,383 $658 Alleghany County 21% $16,590 $12.65 $8.73 1.7 1.4 $21,720 2.6 3.2 $304 $966 $1,810 $543 $72,400 875 Amelia County $38,640 $18.58 18% $5.85 $18,090 $582 $452 $1,508 $750 $30,000 25% $60,300 $14.42 $11.19 2.0 1.3 Amherst County 3,204 Appomattox County 2.9 2.0 $4.97 $14.42 $18,090 19% $30,000 $750 $1,508 $452 $60,300 1,125 $258 1.1 4.3 $29.68 $31.21 $32,580 55% $1,623 $2,715 $815 $108,600 53,107 Arlington County * $1,543 $64,920 $633 $12.17 1.2 $18,690 19% $30,120 $753 2.0 $1,558 $467 $62,300 5,311 Augusta County $14.48 $26,320 $721 1.7 $13.86 $12.65 $16,980 25% 0.9 $658 $1,415 $425 551 Bath County $56,600 $14.42 $9.38 2.0 1.5 $488 Bedford County 5,494 $60,300 $452 $1,508 $750 $30,000 18% $18,090 20% $635 $50,200 $377 $1,255 $658 $26,320 513 $15,060 $12.65 $12.21 1.7 1.0 Bland County $18,510 Botetourt County 1,501 $61,700 $463 $1,543 $845 $33,800 12% $16.25 $12.01 2.2 1.4 $625 $462 Brunswick County 1,530 $47,000 $353 $1,175 $702 $28,080 26% $14,100 $13.50 $8.89 1.9 1.5 $14.08 $12.65 1,830 $39,800 $299 $995 $658 $26,320 19% $11,940 1.7 0.9 $732 Buchanan County $29,120 $14.00 1.3 1.9 $10.71 $15,030 24% $557 $728 $1,253 $376 $50,100 1,371 Buckingham County $18,090 $1,508 $452 $12.59 4,967 Campbell County $14.42 23% $30,000 $750 2.0 1.1 $655 $60,300 $21,720 $18.58 $12.18 2.6 1.5 $633 Caroline County 1,991 $72,400 $543 $1,810 $966 $38,640 19% 21% Carroll County $44,900 $337 $1,123 $658 $26,320 2,662 $13,470 $12.65 $8.13 1.7 1.6 $423 2.6 1.5 $665 $18.58 Charles City County $21,720 20% $12.79 $966 $1,810 $543 $72,400 553 $38,640 $493 1.7 $9.48 $12.65 $13,350 27% 1.3 $658 $1,113 $334 $44,500 1,275 Charlotte County $26,320 23% 1.4 $681 $21,720 2.6 Chesterfield County 26,949 $72,400 $543 $1,810 $966 $38,640 $18.58 $13.09 $32,580 $577 $815 $2,715 $1,623 $64,920 24% $108,600 $31.21 $11.09 4.3 2.8 Clarke County * 1,344 Craig County 1.6 2.2 $10.38 $16.25 $18,510 19% $33,800 $845 $1,543 $463 $61,700 418 $540 1.7 2.6 $11.03 $18.60 $23,190 27% $967 $1,933 $580 $77,300 4,397 Culpeper County $574 $38,680 $15.04 2.1 $15,210 1.5 24% $31,280 $782 $9.71 $1,268 $380 $50,700 968 Cumberland County $505 $26,320 $500 1.7 $9.62 $12.65 $12,720 22% 1.3 $658 $1,060 $318 1,364 Dickenson County $42,400 $21,720 $18.58 $14.81 2.6 1.3 $770 Dinwiddie County 2,489 $72,400 $543 $1,810 $966 $38,640 25% $553 26% 1,104 $55,400 $416 $1,385 $816 $16,620 Essex County 1.5 2.2 $10.63 $15.69 $32,640 FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 231 OUT OF REACH 2016 •

238 Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual to afford 2 BR affordable households hou seholds needed to afford renter wage at 30% at mean 30% 3 2 4 5 afford 2 BR FMR 2 BR FMR R FM I AM at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI 32% Fairfax County * $108,600 $815 $2,715 $1,623 $64,920 124,638 $32,580 $31.21 $25.50 4.3 1.2 $1,326 20% $563 2.9 4.3 $10.83 $31.21 $32,580 Fauquier County * $64,920 $1,623 $2,715 $815 $108,600 4,745 $26,320 $605 1,295 $52,300 $392 $1,308 $658 Floyd County 21% $15,690 $12.65 $11.64 1.7 1.1 1.7 $584 $77,800 1,637 Fluvanna County $12.87 $22.52 $23,340 17% $46,840 $669 $1,171 $1,945 3.1 22% $454 $431 $1,435 $691 Franklin County $27,640 $57,400 $17,220 $13.29 $8.72 1.8 1.5 5,176 6,502 $73,800 $554 $1,845 $928 $37,120 22% Frederick County $22,140 $17.85 $13.46 2.5 1.3 $700 $16,830 Giles County $56,100 $421 $1,403 $658 24% 1,771 $12.65 $12.70 1.7 1.0 $660 $26,320 $479 2.4 3.1 $9.21 $22.12 $21,150 19% $46,000 $1,150 $1,763 $529 $70,500 2,697 Gloucester County * 12% Goochland County 1.0 2.6 $17.74 $18.58 $21,720 $922 $966 $1,810 $543 $72,400 1,018 $38,640 1.2 $548 Grayson County 1,607 $41,300 $310 $1,033 $658 $26,320 24% $12,390 $12.65 $10.54 1.7 23% $484 $77,800 $584 $1,945 $1,171 $46,840 1,612 $23,340 $22.52 $9.30 3.1 2.4 Greene County 1.2 Greensville County 915 $44,800 $336 $1,120 $664 $26,560 27% $13,440 $12.77 $10.47 1.8 $544 $502 Halifax County 3,898 $46,200 $347 $1,155 $658 $26,320 27% $13,860 $12.65 $9.65 1.7 1.3 $506 1.9 6,551 $72,400 $543 $1,810 $966 $38,640 18% $21,720 $18.58 $9.73 2.6 Hanover County $38,640 1.1 2.6 $16.58 $18.58 $21,720 36% $862 $966 $1,810 $543 $72,400 44,756 Henrico County 1.7 $11.22 $12.65 $13,020 26% $26,320 $583 $1,085 $326 $43,400 5,815 Henry County 1.1 $658 1.7 2.8 $236 Highland County 156 $58,100 $436 $1,453 $658 $26,320 15% $17,430 $12.65 $4.54 21% Isle of Wight County * $70,500 $529 $1,763 $1,150 $46,000 2,840 $21,150 $22.12 $9.68 3.1 2.3 $503 3.1 2.3 $503 $22.12 James City County * $21,150 25% $9.68 $1,150 $1,763 $529 $70,500 7,049 $46,000 $835 2.4 $16.05 $17.46 $16,980 25% 1.1 $908 $1,415 $425 $56,600 711 King and Queen County $36,320 $17.12 2.7 King George County 2,201 $93,100 $698 $2,328 $1,028 $41,120 26% $27,930 $19.77 1.2 $890 18% King William County $72,400 $543 $1,810 $966 $38,640 1,096 $21,720 $18.58 $11.77 2.6 1.6 $612 $31,240 Lancaster County 1,299 $67,900 $509 $1,698 $781 $587 25% $20,370 $15.02 $11.29 2.1 1.3 $658 $395 $7.60 $12.65 $12,540 28% $26,320 1.7 $1,045 $314 $41,800 2,643 Lee County 1.7 $888 1.8 $17.08 $31.21 $32,580 23% $64,920 $1,623 $2,715 $815 $108,600 25,385 Loudoun County * 4.3 $794 1.0 Louisa County 2,414 $68,600 $515 $1,715 $823 $32,920 19% $20,580 $15.83 $15.27 2.2 $27,040 1.3 1,205 $43,000 $323 $1,075 $676 Lunenburg County 26% $12,900 $13.00 $10.32 1.8 $537 2.2 1.7 $490 Madison County 1,111 $62,000 $465 $1,550 $843 $33,720 22% $18,600 $16.21 $9.42 $1,150 19% 710 $70,500 $529 $1,763 $21,150 Mathews County * $277 4.2 3.1 $5.32 $22.12 $46,000 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 232 OUT OF REACH 2016 •

239 Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 afford 2 BR FMR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 27% Mecklenburg County $50,800 $381 $1,270 $665 $26,600 3,449 $15,240 $12.79 $8.91 1.8 1.4 $463 17% $439 2.3 2.6 $8.45 $19.21 $19,800 Middlesex County $39,960 $999 $1,650 $495 $66,000 741 $31,800 $455 15,953 $62,200 $467 $1,555 $795 Montgomery County 46% $18,660 $15.29 $8.76 2.1 1.7 2.8 $584 $77,800 1,666 Nelson County $7.93 $22.52 $23,340 26% $46,840 $412 $1,171 $1,945 3.1 12% $709 $543 $1,810 $966 New Kent County $38,640 $72,400 $21,720 $18.58 $13.64 2.6 1.4 853 1,575 $54,100 $406 $1,353 $755 $30,200 30% Northampton County $16,230 $14.52 $9.15 2.0 1.6 $476 $18,690 Northumberland County $62,300 $467 $1,558 $658 17% 939 $12.65 $9.11 1.7 1.4 $474 $26,320 $500 1.4 1.9 $9.61 $13.92 $16,260 36% $28,960 $724 $1,355 $407 $54,200 2,031 Nottoway County 23% Orange County 1.8 2.1 $8.27 $15.17 $20,880 $430 $789 $1,740 $522 $69,600 2,890 $31,560 1.4 $481 Page County 2,762 $51,000 $383 $1,275 $678 $27,120 29% $15,300 $13.04 $9.25 1.8 24% $440 $43,700 $328 $1,093 $658 $26,320 1,838 $13,110 $12.65 $8.47 1.7 1.5 Patrick County 1.4 Pittsylvania County 5,609 $47,400 $356 $1,185 $684 $27,360 22% $14,220 $13.15 $9.49 1.8 $493 $688 Powhatan County 1,165 $72,400 $543 $1,810 $966 $38,640 12% $21,720 $18.58 $13.22 2.6 1.4 $480 1.7 2,583 $49,600 $372 $1,240 $807 $32,280 34% $14,880 $15.52 $9.22 2.1 Prince Edward County $38,640 1.3 2.6 $14.47 $18.58 $21,720 30% $752 $966 $1,810 $543 $72,400 3,223 Prince George County 4.3 $11.80 $31.21 $32,580 28% $64,920 $613 $2,715 $815 $108,600 37,980 Prince William County * 2.6 $1,623 1.7 1.1 $573 Pulaski County 4,089 $55,700 $418 $1,393 $658 $26,320 27% $16,710 $12.65 $11.02 21% Rappahannock County $68,500 $514 $1,713 $1,046 $41,840 681 $20,550 $20.12 $18.52 2.8 1.1 $963 1.9 1.4 $522 $14.13 Richmond County $21,090 24% $10.04 $735 $1,758 $527 $70,300 678 $29,400 $569 2.2 $10.95 $16.25 $18,510 25% 1.5 $845 $1,543 $463 $61,700 9,448 Roanoke County $33,800 $9.64 1.9 Rockbridge County 2,298 $59,200 $444 $1,480 $706 $28,240 25% $17,760 $13.58 1.4 $501 24% Rockingham County $58,400 $438 $1,460 $808 $32,320 6,954 $17,520 $15.54 $13.43 2.1 1.2 $699 $26,320 Russell County 2,438 $44,600 $335 $1,115 $658 $397 22% $13,380 $12.65 $7.64 1.7 1.7 $660 $360 $6.92 $12.69 $15,210 21% $26,400 1.8 $1,268 $380 $50,700 2,002 Scott County 1.8 $506 1.5 $9.74 $15.08 $17,670 28% $31,360 $784 $1,473 $442 $58,900 4,865 Shenandoah County 2.1 $533 1.2 Smyth County 3,906 $48,000 $360 $1,200 $658 $26,320 30% $14,400 $12.65 $10.25 1.7 $30,440 1.5 1,877 $55,800 $419 $1,395 $761 Southampton County 28% $16,740 $14.63 $9.63 2.0 $501 4.3 2.6 $621 Spotsylvania County * 10,076 $108,600 $815 $2,715 $1,623 $64,920 24% $32,580 $31.21 $11.95 $1,623 23% 9,994 $108,600 $815 $2,715 $32,580 Stafford County * $594 2.7 4.3 $11.43 $31.21 $64,920 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 233 OUT OF REACH 2016 •

240 Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total minimum wage hourly mean affordable affordable Monthly rent 1 afford 2 BR wage needed to to afford Annual 2 BR households households renter wage needed to afford at 30% at mean affordable 30% 3 2 5 4 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage at AMI of AMI 21% Surry County $60,900 $457 $1,523 $658 $26,320 564 $18,270 $12.65 $19.28 1.7 0.7 $1,003 35% $568 1.7 2.6 $10.92 $18.58 $21,720 Sussex County $38,640 $966 $1,810 $543 $72,400 1,137 $26,320 $468 4,859 $46,300 $347 $1,158 $658 Tazewell County 27% $13,890 $12.65 $9.00 1.7 1.4 $11.34 $22,350 $590 25% $38,240 $956 $1,863 $559 $74,500 2.5 3,616 Warren County $18.38 1.6 $15,210 $565 $380 $1,268 $660 $26,400 23% $50,700 $12.69 $10.87 1.8 1.2 Washington County 5,242 Westmoreland County 1.6 1.9 $8.71 $13.96 $17,220 23% $29,040 $726 $1,435 $431 $57,400 1,600 $453 1.6 1.7 $7.94 $12.65 $14,520 31% $658 $1,210 $363 $48,400 4,778 Wise County $413 $26,320 $457 $8.79 $12.65 $15,090 29% $26,320 $658 1.4 $1,258 $377 $50,300 3,499 Wythe County 1.7 $46,000 $557 3.1 $10.71 $22.12 $21,150 26% 2.1 $1,150 $529 $70,500 6,351 York County * $1,763 $23.43 4.3 1.3 $1,219 Alexandria city * 37,770 $108,600 $815 $2,715 $1,623 $64,920 57% $32,580 $31.21 Bedford city † $26,400 3,472 $50,700 $380 $1,268 $660 Bristol city 45% $15,210 $12.69 $10.68 1.8 1.2 $555 $13.58 Buena Vista city 984 $59,200 $444 $1,480 $706 $28,240 36% $17,760 $10.63 1.9 1.3 $553 $768 Charlottesville city 10,275 $77,800 $584 $1,945 $1,171 $46,840 58% $23,340 $22.52 $14.77 3.1 1.5 $11.49 $22.12 22,744 $70,500 $529 $1,763 $1,150 $46,000 28% $21,150 3.1 1.9 $597 Chesapeake city * $38,640 $18.58 2.2 2.6 $8.29 $21,720 35% $431 $966 $1,810 $543 $72,400 2,483 Colonial Heights city $16,590 $1,383 $415 $16.77 615 Covington city $12.65 25% $26,320 $658 1.7 0.8 $872 $55,300 $13.15 $10.42 1.8 1.3 $542 Danville city 8,497 $47,400 $356 $1,185 $684 $27,360 46% $14,220 61% Emporia city $44,800 $336 $1,120 $664 $26,560 1,469 $13,440 $12.77 $9.59 1.8 1.3 $499 4.3 2.2 $733 $31.21 Fairfax city * $32,580 30% $14.09 $1,623 $2,715 $815 $108,600 2,536 $64,920 $850 4.3 $16.34 $31.21 $32,580 41% 1.9 $1,623 $2,715 $815 $108,600 2,033 Falls Church city * $64,920 $16,740 $14.63 1.3 $605 Franklin city 2,021 $55,800 $419 $1,395 $761 $30,440 56% $11.64 2.0 $32,580 $798 $815 $2,715 $1,623 $64,920 64% $108,600 $31.21 $15.34 4.3 2.0 Fredericksburg city * 6,288 Galax city 1.4 1.7 $9.01 $12.65 $13,470 41% $26,320 $658 $1,123 $337 $44,900 1,211 $468 1.8 3.1 $12.56 $22.12 $21,150 41% $1,150 $1,763 $529 $70,500 21,732 Hampton city * $653 $46,000 $15.54 $11.58 1.3 $17,520 64% $32,320 $808 2.1 $1,460 $438 $58,400 10,210 Harrisonburg city $602 $38,640 $978 2.6 $18.81 $18.58 $21,720 47% 1.0 $966 $1,810 $72,400 4,140 Hopewell city $543 $13.58 $10.60 1.9 1.3 $551 Lexington city 791 $59,200 $444 $1,480 $706 $28,240 46% $17,760 $750 48% 13,629 $60,300 $452 $1,508 $18,090 Lynchburg city $645 1.2 2.0 $12.40 $14.42 $30,000 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 234 OUT OF REACH 2016 •

241 Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 afford 2 BR FMR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI $1,623 Manassas city * 4,338 $108,600 $815 $2,715 $64,920 35% $32,580 $31.21 $18.09 4.3 1.7 $941 36% $1,108 $108,600 $815 $2,715 $1,623 $64,920 1,633 $32,580 $31.21 $21.31 4.3 1.5 Manassas Park city * Martinsville city $496 1.3 1.7 $9.54 $12.65 $13,020 45% $26,320 $658 $1,085 $326 $43,400 2,691 49% 1.3 $70,500 $529 $1,763 $1,150 $46,000 34,057 $21,150 $22.12 $17.13 Newport News city * $891 3.1 $529 Norfolk city * 48,666 $879 1.3 3.1 $16.90 $22.12 $21,150 56% $46,000 $1,150 $1,763 $70,500 $600 777 Norton city 1.1 1.7 $11.54 $12.65 $48,400 $14,520 47% $26,320 $658 $1,210 $363 55% Petersburg city $72,400 $543 $1,810 $966 $38,640 6,932 $21,720 $18.58 $13.46 2.6 1.4 $700 2.7 $425 Poquoson city * 864 $70,500 $529 $1,763 $1,150 $46,000 19% $21,150 $22.12 $8.17 3.1 $46,000 $685 16,236 $70,500 $529 $1,763 $1,150 Portsmouth city * 44% $21,150 $22.12 $13.18 3.1 1.7 $31,800 1.6 2.1 $9.55 $15.29 $18,660 53% $795 $1,555 $467 $62,200 2,815 Radford city $497 $38,640 1.0 49,209 $72,400 $543 $1,810 $966 Richmond city 57% $21,720 $18.58 $19.21 2.6 $999 2.2 1.2 $714 Roanoke city 19,345 $61,700 $463 $1,543 $845 $33,800 45% $18,510 $16.25 $13.74 $18,510 Salem city $463 $1,543 $845 $33,800 33% $61,700 $16.25 $14.47 2.2 1.1 $752 3,244 Staunton city 4,427 $62,300 $467 $1,558 $753 $30,120 42% $18,690 $14.48 $8.59 2.0 1.7 $447 $570 Suffolk city * 8,754 $70,500 $529 $1,763 $1,150 $46,000 28% $21,150 $22.12 $10.97 3.1 2.0 36% 3.1 $691 Virginia Beach city * 59,297 $70,500 $529 $1,763 $1,150 $46,000 1.7 $21,150 $13.29 $22.12 $14.48 42% $62,300 $467 $1,558 $18,690 $753 3,772 $10.20 2.0 1.4 $531 $30,120 Waynesboro city 2,342 $70,500 $529 $1,763 $1,150 $46,000 54% Williamsburg city * $586 2.0 3.1 $11.26 $22.12 $21,150 $22,140 5,597 $554 $1,845 $928 $37,120 52% $73,800 $17.85 $15.00 2.5 1.2 $780 Winchester city 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 235 OUT OF REACH 2016 •

242 WASHINGTON S TAT E RANKING . In order to $1,203 In Washington, the Fair Market Rent (FMR) for a two-bedroom apartment is * 10 afford this level of rent and utilities — without paying more than 30% of income on housing — monthly or $4,010 a household must earn annually. Assuming a 40-hour work week, $48,119 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $23.13 HOUSING WAGE* MOST EXPENSIVE COUNTIES STATE FACTS Minimum Wage $9.47 $29.29 King County Average Renter Wage Snohomish County $29.29 $16.69 $23.13 Clark County $23.23 2-Bedroom Housing Wage 986,856 Skamania County $23.23 Number of Renter Households Percent Renters 37% Pierce County $21.65 $1,203 Two bedroom FMR 98 $1,899 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $868 renter wage ––––––––––––– $570 Rent affordable at 30% of AMI Rent affordable with full-time job paying $492 min wage 2.4 $234 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $1,000 $1,500 $2,000 $2,500 $0 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • OUT OF REACH 2016 236 NATIONAL LOW INCOME HOUSING COALITION

243 Washington AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Hourly wage Full-time Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Monthly rent Renter % of total minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable households renter wage needed to afford at mean at 30% 30% 2 5 4 3 afford 2 BR FMR 2 BR FMR AMI FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Washington $22,794 986,856 $570 $868 1.4 $16.69 $23.13 37% $48,119 $1,203 $1,899 $75,979 2.4 Combined Nonmetro Areas $831 $17,470 $58,233 $1,456 1.6 $519 $437 $33,249 33% $15.99 $9.98 1.7 91,752 Metropolitan Areas $17.50 $11.20 1.8 1.6 $582 29,829 Bellingham MSA $69,900 $524 $1,748 $910 $36,400 37% $20,970 $19.52 $11.14 1.8 $579 32,482 33% $40,600 $1,015 $1,953 $586 $78,100 Bremerton-Silverdale MSA $23,430 2.1 $32,000 $15.38 2.1 $377 427 $15,690 25% 1.6 $800 $1,308 $392 $52,300 Columbia County HMFA $7.25 $16.17 $12.16 1.7 1.3 $633 29,295 Kennewick-Richland MSA $65,800 $494 $1,645 $841 $33,640 32% $19,740 $17,820 $14.00 1.5 1.5 $493 3,093 Lewiston MSA $59,400 $446 $1,485 $728 $29,120 33% $9.47 34% $14.38 1.3 $587 13,475 $18,390 $11.29 1.5 $29,920 $748 $1,533 $460 $61,300 Longview MSA Mount Vernon-Anacortes MSA $11.82 2.0 1.6 $615 14,914 $61,400 $461 $1,535 $962 $38,480 33% $18,420 $18.50 $22,080 $19.63 $12.81 2.1 1.5 $666 35,676 Olympia-Tumwater MSA $73,600 $552 $1,840 $1,021 $40,840 35% $14,730 25% 1.4 1.2 $568 1,402 $27,840 $696 $1,228 $368 $49,100 Pend Oreille County HMFA $13.38 $10.93 $23.23 35% 1.7 $721 57,596 $48,320 $1,208 $1,833 $550 $73,300 Portland-Vancouver-Hillsboro MSA $13.87 $21,990 2.5 40% $21.06 $1,095 434,962 $29.29 3.1 $27,090 1.4 $60,920 $1,523 $2,258 $677 $90,300 Seattle-Bellevue HMFA Spokane HMFA 1.6 1.4 $582 68,769 $62,600 $470 $1,565 $789 $31,560 37% $18,780 $15.17 $11.19 Stevens County HMFA $10.16 1.3 1.2 $529 4,137 $53,800 $404 $1,345 $658 $26,320 23% $16,140 $12.65 $21,690 $13.87 2.3 1.6 $721 117,065 Tacoma HMFA * $72,300 $542 $1,808 $1,126 $45,040 39% $21.65 $35,400 $17.02 1.8 1.6 $567 8,084 37% $10.90 $885 $1,518 $455 $60,700 Walla Walla County HMFA $18,210 $18,930 $15.21 $11.28 1.6 1.3 $587 13,468 Wenatchee MSA $63,100 $473 $1,578 $791 $31,640 33% $30,360 $14,610 1.4 $544 30,430 $10.47 38% 1.5 $759 $1,218 $365 $48,700 Yakima MSA $14.60 Counties Adams County 2,051 $49,400 $371 $1,235 $658 $26,320 $14,820 $12.65 $12.19 1.3 1.0 $634 35% $17,820 $29,120 $728 $1,485 $446 $59,400 33% Asotin County $14.00 $9.47 1.5 1.5 $493 3,093 32% $33,640 $841 $1,645 $494 $65,800 21,340 Benton County $695 1.2 1.7 $13.36 $16.17 $19,740 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) Fiscal Year 2016 Fair Market Rent (HUD, 2016) 2: FMR = 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 237 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

244 Washington RENTER HOUSEHOLDS HOUSING COSTS AREA MEDIAN INCOME (AMI) FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual seholds hou households affordable renter wage needed to afford 30% at 30% at mean 2 4 3 5 FMR afford 2 BR 2 BR FMR R FM I AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI of AMI renter wage $63,100 $473 $1,578 $791 $31,640 35% 9,490 $15.21 $11.87 Chelan County 1.6 1.3 $617 $18,930 $500 $17,490 1.6 1.6 $9.62 $15.15 Clallam County 31% $31,520 $788 $1,458 $437 $58,300 9,454 $48,320 $725 56,380 $73,300 $550 $1,833 $1,208 Clark County 35% $21,990 $23.23 $13.95 2.5 1.7 $7.25 25% $32,000 $800 $1,308 $392 $52,300 1.6 427 Columbia County $15,690 $377 $15.38 2.1 $11.29 1.5 $61,300 $460 $1,533 $748 $29,920 34% $18,390 $14.38 Cowlitz County 1.3 $587 13,475 $473 1.6 $18,930 28% $31,640 $791 $1,578 $15.21 $63,100 3,978 Douglas County 1.7 $471 $9.05 $12,990 29% $29,520 $738 $1,083 $325 $504 909 Ferry County 1.5 1.5 $9.70 $14.19 $43,300 $16.17 $19,740 33% $33,640 $841 $1,645 $494 $65,800 7,955 Franklin County 1.8 $471 1.7 $9.06 $26,320 Garfield County † $12.65 $20,370 25% 1.3 $658 $1,698 $67,900 225 $509 1.2 $568 Grant County 12,078 $53,900 $404 $1,348 $701 $28,040 40% $16,170 $13.48 $10.93 1.4 31% $537 $59,200 $444 $1,480 $831 $33,240 8,472 $17,760 $15.98 $10.32 1.7 1.5 Grays Harbor County 1.8 Island County 10,350 $66,400 $498 $1,660 $984 $39,360 32% $19,920 $18.92 $10.25 2.0 $533 $443 Jefferson County 3,427 $64,400 $483 $1,610 $954 $38,160 25% $19,320 $18.35 $8.52 1.9 2.2 $1,142 1.3 344,104 $90,300 $677 $2,258 $1,523 $60,920 43% $27,090 $29.29 $21.96 3.1 King County $40,600 1.8 2.1 $11.14 $19.52 $23,430 33% $579 $1,015 $1,953 $586 $78,100 32,482 Kitsap County 1.8 $7.47 $16.92 $19,680 43% $35,200 $388 $1,640 $492 $65,600 7,152 Kittitas County 2.3 $880 1.7 1.2 $677 Klickitat County 2,498 $49,700 $373 $1,243 $817 $32,680 31% $14,910 $15.71 $13.02 32% Lewis County $50,800 $381 $1,270 $860 $34,400 9,484 $15,240 $16.54 $12.13 1.7 1.4 $631 1.1 $582 $18,630 $11.18 1.3 Lincoln County 21% $12.65 $658 $1,553 $466 $62,100 953 $26,320 $436 1.9 $8.38 $18.46 $17,760 22% 2.2 $960 $1,480 $444 $59,200 5,045 Mason County $38,400 $13.96 $7.08 1.5 Okanogan County 5,195 $48,800 $366 $1,220 $726 $29,040 32% $14,640 2.0 $368 27% Pacific County $52,300 $392 $1,308 $852 $34,080 2,482 $15,690 $16.38 $8.46 1.7 1.9 $440 $27,840 Pend Oreille County 1,402 $49,100 $368 $1,228 $696 $568 25% $14,730 $13.38 $10.93 1.4 1.2 $1,126 $721 $13.87 $21.65 $21,690 39% $45,040 2.3 $1,808 $542 $72,300 117,065 Pierce County * 1.6 $473 2.1 $9.10 $19.42 $20,040 28% $40,400 $1,010 $1,670 $501 $66,800 2,134 San Juan County 2.1 $615 1.6 Skagit County 14,914 $61,400 $461 $1,535 $962 $38,480 33% $18,420 $18.50 $11.82 2.0 $48,320 3.0 1,216 $73,300 $550 $1,833 $1,208 Skamania County 27% $21,990 $23.23 $7.68 2.5 $400 3.1 1.7 $875 Snohomish County 90,858 $90,300 $677 $2,258 $1,523 $60,920 33% $27,090 $29.29 $16.83 $582 37% 68,769 $62,600 $470 $789 $1,565 Spokane County 1.4 1.6 $11.19 $15.17 $18,780 $31,560 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 238 OUT OF REACH 2016 •

245 Washington RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly jobs at Full-time Hourly wage Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed % of total Renter Monthly rent hourly mean minimum wage affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual hou households seholds affordable renter wage needed to afford 30% at 30% at mean 2 3 4 5 FMR afford 2 BR 2 BR FMR I FM R AM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI 1.2 $53,800 $404 $1,345 $658 $26,320 23% $16,140 $12.65 $10.16 1.3 Stevens County $529 4,137 $1,021 1.5 $12.81 $19.63 $22,080 35% $40,840 2.1 $1,840 $552 $73,600 35,676 Thurston County $666 $5.05 $12.65 $14,820 23% $26,320 $1,235 $371 $263 $49,400 397 Wahkiakum County 2.5 1.3 $658 1.6 $18,210 37% $35,400 $885 $1,518 1.8 $455 $60,700 8,084 Walla Walla County $17.02 $567 $10.90 $36,400 $582 1.8 $11.20 $17.50 $20,970 37% 1.6 $910 $1,748 $524 29,829 Whatcom County $69,900 1.6 1.6 $490 Whitman County 9,446 $65,400 $491 $1,635 $786 $31,440 55% $19,620 $15.12 $9.43 $544 38% 30,430 $48,700 $365 $759 $1,218 Yakima County 1.4 1.5 $10.47 $14.60 $14,610 $30,360 1: BR = Bedroom * 50th percentile FMR (See Appendix A). † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 239 OUT OF REACH 2016 •

246 WEST VIRGINIA S TAT E RANKING . In order to $685 In West Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 51 annually. Assuming a 40-hour work week, $27,390 monthly or $2,282 a household must earn 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $13.17 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Hampshire County Minimum Wage $8.75 $17.85 Average Renter Wage Jefferson County $10.62 $16.77 2-Bedroom Housing Wage Berkeley County $15.25 $13.17 200,752 Number of Renter Households $15.08 Clay County Percent Renters $15.08 27% Kanawha County $685 Two bedroom FMR 60 $1,366 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $552 renter wage ––––––––––––– $410 Rent affordable at 30% of AMI Rent affordable with full-time job paying $455 min wage 1.5 $220 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $0 $1,500 $1,000 $500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage 240 NATIONAL LOW INCOME HOUSING COALITION • OUT OF REACH 2016

247 West Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter hourly mean minimum wage Monthly rent affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual households households renter wage needed to afford affordable at 30% at mean 30% 2 3 5 4 FMR afford 2 BR 2 BR FMR AMI FMR (2010-2014) (2010-2014) (2016) 2 BR FMR at AMI renter wage of AMI of AMI West Virginia $16,397 200,752 $410 $552 1.2 $10.62 $13.17 27% $27,390 $685 $1,366 $54,658 1.5 Combined Nonmetro Areas 67,493 $14,778 $49,261 1.3 $541 1.1 $1,232 $10.40 $11.70 24% $24,333 $608 $369 Metropolitan Areas Boone County HMFA $418 $1,393 $582 $23,280 25% $55,700 $11.19 $12.92 1.3 0.9 $672 2,367 $16,710 $651 1.2 1.7 $12.52 $15.08 $17,340 Charleston HMFA $57,800 $434 $1,445 $784 $31,360 29% 24,960 $16,530 Cumberland MSA $413 $1,378 $658 $26,320 42% $55,100 $12.65 $10.86 1.4 1.2 $565 4,678 22% Fayette County HMFA $43,300 $325 $1,083 $596 $23,840 $11.46 $12,990 $10.15 1.3 1.1 $528 3,907 $16,440 Huntington-Ashland HMFA $411 $1,370 $658 $26,320 34% $54,800 $12.65 $9.28 1.4 1.4 $482 19,585 $419 4,815 $16.77 1.9 $8.06 2.1 Jefferson County HMFA $79,500 $596 $1,988 $872 $34,880 24% $23,850 1,854 $531 1.1 1.3 $10.20 $11.40 $13,020 23% $23,720 $593 $1,085 $326 $43,400 Lincoln County HMFA $9.13 Martinsburg HMFA $793 $31,720 25% $18,630 $15.25 $1,553 1.7 1.7 $475 10,259 $466 $62,100 $64,600 $485 $1,615 $725 $29,000 37% $19,380 $13.94 $10.01 1.6 1.4 $520 18,312 Morgantown MSA Parkersburg-Vienna MSA $50,900 $382 $1,273 $689 $27,560 27% $15,270 $13.25 $9.70 1.5 1.4 $504 10,353 $20,280 Putnam County HMFA $507 $1,690 $743 $29,720 17% $67,600 $14.29 $12.42 1.6 1.2 $646 3,646 8,376 Raleigh County HMFA $52,500 $394 $1,313 $712 $28,480 27% $15,750 $13.69 $10.65 1.6 1.3 $554 $15,180 1.4 $12.65 $10.91 5,932 $568 1.2 Weirton-Steubenville MSA $50,600 $380 $1,265 $658 $26,320 26% $17,040 9,058 $426 $1,420 $658 $26,320 28% $56,800 $12.65 $11.24 1.4 1.1 $584 Wheeling MSA 5,157 Winchester MSA $73,800 $554 $1,845 $928 $37,120 49% $22,140 $17.85 $10.60 2.0 1.7 $551 Counties 1.3 1.5 $13,680 $11.19 $7.69 Barbour County 1,503 $45,600 $342 $1,140 $582 $23,280 24% $400 $475 Berkeley County 10,259 $62,100 $466 $1,553 $793 $31,720 25% $18,630 $15.25 $9.13 1.7 1.7 25% $672 $55,700 $418 $1,393 $582 $23,280 2,367 $16,710 $11.19 $12.92 1.3 0.9 Boone County 1,392 $23,280 Braxton County 25% $582 $1,125 $338 $45,000 $11.19 $455 1.3 1.3 $8.74 $13,500 1.2 $26,320 $658 $1,265 $380 $50,600 2,582 Brooke County 1.4 $10.56 $12.65 $15,180 $549 26% 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 241

248 West Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total minimum wage hourly mean affordable affordable Monthly rent 1 afford 2 BR wage needed to to afford Annual 2 BR households households renter wage needed to afford at 30% at mean affordable 30% 3 2 5 4 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage at AMI of AMI 39% Cabell County $54,800 $411 $1,370 $658 $26,320 15,840 $16,440 $12.65 $9.43 1.4 1.3 $490 21% $492 1.2 1.3 $9.46 $11.19 $12,900 Calhoun County $23,280 $582 $1,075 $323 $43,000 646 $31,360 $307 533 $57,800 $434 $1,445 $784 Clay County 15% $17,340 $15.08 $5.90 1.7 2.6 $13.96 $13,440 $726 15% $23,280 $582 $1,120 $336 $44,800 1.3 422 Doddridge County $11.19 0.8 $12,990 $528 $325 $1,083 $596 $23,840 22% $43,300 $11.46 $10.15 1.3 1.1 Fayette County 3,907 Gilmer County 1.3 1.3 $8.90 $11.19 $15,360 24% $23,280 $582 $1,280 $384 $51,200 625 $463 0.8 1.4 $14.59 $12.12 $15,900 23% $630 $1,325 $398 $53,000 978 Grant County $759 $25,200 $481 $9.26 $12.71 $14,940 26% $26,440 $661 1.4 $1,245 $374 $49,800 3,954 Greenbrier County 1.5 $37,120 $551 2.0 $10.60 $17.85 $22,140 49% 1.7 $928 $554 $73,800 5,157 Hampshire County $1,845 $11.20 1.4 1.1 $582 Hancock County 3,350 $50,600 $380 $1,265 $658 $26,320 26% $15,180 $12.65 23% $523 $44,200 $332 $1,105 $582 $23,280 1,213 $13,260 $11.19 $10.06 1.3 1.1 Hardy County $11.35 Harrison County 7,163 $58,000 $435 $1,450 $657 $26,280 26% $17,400 $12.63 1.4 1.1 $590 $541 Jackson County 2,568 $54,800 $411 $1,370 $595 $23,800 23% $16,440 $11.44 $10.41 1.3 1.1 1.9 $8.06 4,815 $79,500 $596 $1,988 $872 $34,880 24% $23,850 $16.77 2.1 $419 Jefferson County $31,360 $12.59 1.2 1.7 $15.08 $17,340 30% $655 $784 $1,445 $434 $57,800 24,427 Kanawha County $11.60 $24,120 $603 $1,145 1.3 $45,800 1,868 Lewis County $14.67 $13,740 29% 0.8 $763 $344 $11.40 $10.20 1.3 1.1 $531 Lincoln County 1,854 $43,400 $326 $1,085 $593 $23,720 23% $13,020 25% Logan County $49,000 $368 $1,225 $582 $23,280 3,589 $14,700 $11.19 $12.87 1.3 0.9 $669 0.9 $635 $9,450 $12.21 1.3 McDowell County 22% $11.19 $582 $788 $236 $31,500 1,854 $23,280 $554 1.5 $10.65 $13.08 $16,560 23% 1.2 $680 $1,380 $414 $55,200 5,130 Marion County $27,200 23% $17,040 0.8 $810 $12.65 Marshall County 3,156 $56,800 $426 $1,420 $658 $26,320 $15.58 1.4 19% Mason County $45,600 $342 $1,140 $582 $23,280 2,043 $13,680 $11.19 $11.53 1.3 1.0 $600 $23,360 Mercer County 6,945 $45,900 $344 $1,148 $584 $460 27% $13,770 $11.23 $8.84 1.3 1.3 $658 $565 $10.86 $12.65 $16,530 42% $26,320 1.4 $1,378 $413 $55,100 4,678 Mineral County 1.2 1.3 $12.86 $11.19 0.9 $14,790 23% $23,280 $582 $1,233 $370 $49,300 2,531 Mingo County $669 $524 $10.07 Monongalia County 15,734 $64,600 $485 $1,615 $725 $29,000 43% $19,380 $13.94 1.6 1.4 $23,880 1.1 1,080 $47,900 $359 $1,198 $597 Monroe County 19% $14,370 $11.48 $10.86 1.3 $565 $12.79 $10.85 1.5 1.2 $564 Morgan County 2,494 $53,100 $398 $1,328 $665 $26,600 34% $15,930 $458 20% 2,189 $49,500 $371 $582 $1,238 Nicholas County 1.3 1.3 $8.81 $11.19 $14,850 $23,280 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 242 OUT OF REACH 2016 •

249 West Virginia RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Full-time Hourly wage jobs at Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to to afford Annual 2 BR households affordable hou seholds needed to afford renter wage at 30% at mean 30% 2 3 4 5 afford 2 BR FMR 2 BR FMR R I AM FM (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI $658 $9.62 $12.65 $17,040 32% $26,320 1.4 $1,420 $426 $56,800 5,902 Ohio County 1.3 $500 Pendleton County 24% 0.9 1.3 $12.20 $11.19 $14,700 $634 $23,280 $582 $1,225 $368 $49,000 753 16% $590 $59,100 $443 $1,478 $640 $25,600 445 $17,730 $12.31 $11.35 1.4 1.1 Pleasants County $1,128 1.3 $338 $45,100 709 Pocahontas County 1.5 $11.40 $13,530 19% $23,720 $404 $593 $7.76 Preston County 2,578 $64,600 $485 $1,615 $725 $29,000 20% $19,380 $13.94 $9.45 1.6 1.5 $491 $646 17% 1.6 $12.42 $14.29 $20,280 1.2 $29,720 $743 $1,690 $507 $67,600 3,646 Putnam County 27% $554 $52,500 $394 $1,313 $712 $28,480 8,376 $15,750 $13.69 $10.65 1.6 1.3 Raleigh County 1.5 $381 Randolph County 2,812 $49,800 $374 $1,245 $582 $23,280 25% $14,940 $11.19 $7.32 1.3 $23,280 $506 848 $46,800 $351 $1,170 $582 Ritchie County 21% $14,040 $11.19 $9.72 1.3 1.2 $479 1.2 Roane County 1,431 $39,900 $299 $998 $582 $23,280 24% $11,970 $11.19 $9.21 1.3 21% $402 $45,800 $344 $1,145 $582 $23,280 1,175 $13,740 $11.19 $7.73 1.3 1.4 Summers County $544 Taylor County 1,536 $49,900 $374 $1,248 $582 $23,280 23% $14,970 $11.19 $10.47 1.3 1.1 1.3 1.1 $535 Tucker County 563 $51,000 $383 $1,275 $582 $23,280 19% $15,300 $11.19 $10.29 $14,670 Tyler County $367 $1,223 $582 $23,280 20% $48,900 $11.19 $10.08 1.3 1.1 $524 754 Upshur County 2,052 $51,100 $383 $1,278 $599 $23,960 23% $15,330 $11.52 $9.97 1.3 1.2 $518 22% Wayne County $54,800 $411 $1,370 $658 $26,320 3,745 $16,440 $12.65 $8.09 1.4 1.6 $421 1.3 Webster County 966 $35,700 $268 $893 $582 $23,280 25% $10,710 $11.19 $9.22 1.2 $479 $5.74 $582 $23,280 $382 22% $15,270 $11.19 $50,900 1.3 1.9 $299 1,460 Wetzel County $1,273 $50,900 $382 $1,273 $689 $27,560 426 1.5 $13.25 $15,270 18% Wirt County † 28% $382 $689 $1,273 $504 $50,900 9,927 Wood County 1.4 1.5 $9.70 $13.25 $15,270 $27,560 Wyoming County $48,900 $367 $1,223 $582 $23,280 1,802 $14,670 $11.19 $13.16 1.3 0.9 $684 20% 1: BR = Bedroom † Wage data not available (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 243 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

250 WISCONSIN S TAT E RANKING . In order to $828 In Wisconsin, the Fair Market Rent (FMR) for a two-bedroom apartment is afford this level of rent and utilities — without paying more than 30% of income on housing — * 29 $33,115 monthly or $2,760 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.92 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Pierce County Minimum Wage $7.25 $19.75 $12.07 St. Croix County Average Renter Wage $19.75 2-Bedroom Housing Wage Dane County $18.00 $15.92 741,481 Number of Renter Households $17.67 Kenosha County Percent Renters 32% $17.44 Milwaukee County (tied with 3 others) $828 Two bedroom FMR 88 $1,706 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $627 renter wage ––––––––––––– $512 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.2 $245 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 244 OUT OF REACH 2016

251 Wisconsin AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Full-time jobs at Hourly wage Annual income Full-time jobs at Estimated rent rent mean renter necessary to needed Renter % of total Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual households households affordable renter wage needed to afford at mean at 30% 30% 5 4 3 2 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Wisconsin 1.3 $68,241 2.2 741,481 $512 $627 $20,472 $12.07 $15.92 32% $33,115 $828 $1,706 Combined Nonmetro Areas $29,018 $1,518 157,858 $455 $18,216 $60,721 $725 $525 1.4 1.9 $10.11 $13.95 26% Metropolitan Areas $11.54 $554 $73,800 Appleton MSA $22,140 $600 23,308 26% $28,720 $718 1.9 $1,845 $13.81 1.2 5,714 Columbia County HMFA $72,100 $541 $1,803 $769 $30,760 25% $21,630 $14.79 $10.35 2.0 1.4 $538 $18,810 5,961 $62,700 $470 $1,568 $755 32% Duluth MSA $14.52 $10.26 2.0 1.4 $533 $30,200 $10.47 $14.13 $20,640 34% $29,400 $735 $544 $1,720 $516 $68,800 Eau Claire MSA 1.4 22,081 1.9 1.9 1.2 $579 11,965 Fond du Lac MSA $66,100 $496 $1,653 $709 $28,360 29% $19,830 $13.63 $11.14 $19,980 35,665 $500 $1,665 $756 $30,240 33% $66,600 $14.54 $12.42 2.0 1.2 $646 Green Bay HMFA $9.33 Green County HMFA $70,300 $527 $1,758 $671 $26,840 26% $21,090 $12.90 1.8 1.4 $485 3,800 1.9 $533 2,353 Iowa County HMFA $10.25 $14.12 $21,570 1.4 $29,360 $734 $1,798 $539 $71,900 24% 19,173 Janesville-Beloit MSA $59,300 $445 $1,483 $770 $30,800 30% $17,790 $14.81 $11.19 2.0 1.3 $582 33% $521 $68,000 $510 $1,700 $919 $36,760 Kenosha County HMFA $20,400 $17.67 $10.01 2.4 1.8 20,731 $11.44 2.2 1.4 $595 16,276 La Crosse-Onalaska MSA $67,700 $508 $1,693 $828 $33,120 35% $20,310 $15.92 1.4 Madison HMFA 85,987 $83,900 $629 $2,098 $936 $37,440 41% $25,170 $18.00 $13.27 2.5 $690 $36,280 2.4 243,147 $13.80 $17.44 $21,060 39% $717 $907 $1,755 $527 $70,200 Milwaukee-Waukesha-West Allis MSA * 1.3 $19.75 $458 11,400 $8.80 Minneapolis-St. Paul-Bloomington HMFA $85,800 $644 $2,145 $1,027 $41,080 24% $25,740 2.7 2.2 $19,260 2,566 $482 $1,605 $658 $26,320 17% $64,200 $12.65 $6.88 1.7 1.8 $358 Oconto County HMFA $697 1.0 1.9 $13.41 $13.54 $20,040 34% $28,160 $704 $1,670 $501 $66,800 Oshkosh-Neenah MSA 23,330 1.5 $11.60 2.4 $603 $17.08 $21,090 30% $35,520 $888 $1,758 $527 $70,300 Racine MSA 22,645 29% 13,376 1.1 1.8 $12.40 $13.15 $18,930 $645 $27,360 $684 $473 $63,100 Sheboygan MSA $1,578 $10.62 1.9 1.3 $552 14,145 Wausau MSA $65,400 $491 $1,635 $733 $29,320 26% $19,620 $14.10 Counties 1.7 $53,300 $400 $1,333 $12.65 Adams County 1,174 $658 $26,320 $507 1.3 $9.74 15% $15,990 * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 245 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

252 Wisconsin RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed Renter % of total minimum wage hourly mean affordable affordable Monthly rent 1 afford 2 BR wage needed to to afford Annual 2 BR households households renter wage needed to afford at 30% at mean affordable 30% 3 2 5 4 afford 2 BR FMR 2 BR FMR FMR AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage at AMI of AMI 30% Ashland County $48,800 $366 $1,220 $658 $26,320 2,020 $14,640 $12.65 $9.44 1.7 1.3 $491 26% $548 1.3 1.8 $10.53 $13.38 $16,890 Barron County $27,840 $696 $1,408 $422 $56,300 4,931 $26,320 $341 1,186 $57,100 $428 $1,428 $658 Bayfield County 17% $17,130 $12.65 $6.56 1.7 1.9 $12.60 $19,980 $655 34% $30,240 $756 $1,665 $500 $66,600 2.0 34,103 Brown County $14.54 1.2 $18,090 $472 $452 $1,508 $694 $27,760 25% $60,300 $13.35 $9.09 1.8 1.5 Buffalo County 1,445 Burnett County 1.6 1.7 $8.12 $12.65 $14,610 19% $26,320 $658 $1,218 $365 $48,700 1,408 $422 1.6 1.9 $8.75 $13.81 $22,140 18% $718 $1,845 $554 $73,800 3,366 Calumet County $455 $28,720 $504 $9.70 $14.13 $20,640 28% $29,400 $735 1.5 $1,720 $516 $68,800 6,889 Chippewa County 1.9 $26,320 $573 1.7 $11.02 $12.65 $16,320 23% 1.1 $658 $408 $54,400 2,928 Clark County $1,360 $10.35 2.0 1.4 $538 Columbia County 5,714 $72,100 $541 $1,803 $769 $30,760 25% $21,630 $14.79 25% $422 $59,000 $443 $1,475 $658 $26,320 1,678 $17,700 $12.65 $8.11 1.7 1.6 Crawford County $13.27 Dane County 85,987 $83,900 $629 $2,098 $936 $37,440 41% $25,170 $18.00 2.5 1.4 $690 $634 Dodge County 8,740 $65,100 $488 $1,628 $753 $30,120 27% $19,530 $14.48 $12.19 2.0 1.2 1.9 $8.63 2,913 $65,000 $488 $1,625 $733 $29,320 22% $19,500 $14.10 1.6 $449 Door County $30,200 $10.26 1.4 2.0 $14.52 $18,810 32% $533 $755 $1,568 $470 $62,700 5,961 Douglas County $13.63 $28,360 $709 $1,593 1.9 $63,700 5,392 Dunn County $10.83 $19,110 33% 1.3 $563 $478 $14.13 $10.78 1.9 1.3 $561 Eau Claire County 15,192 $68,800 $516 $1,720 $735 $29,400 38% $20,640 14% Florence County $54,200 $407 $1,355 $683 $27,320 263 $16,260 $13.13 $5.89 1.8 2.2 $306 1.2 $579 $19,830 $11.14 1.9 Fond du Lac County 29% $13.63 $709 $1,653 $496 $66,100 11,965 $28,360 $403 1.7 $7.74 $12.65 $15,780 23% 1.6 $658 $1,315 $395 $52,600 853 Forest County $26,320 29% $18,120 1.4 $456 $12.65 Grant County 5,683 $60,400 $453 $1,510 $658 $26,320 $8.76 1.7 26% Green County $70,300 $527 $1,758 $671 $26,840 3,800 $21,090 $12.90 $9.33 1.8 1.4 $485 $26,320 Green Lake County 1,961 $61,900 $464 $1,548 $658 $580 25% $18,570 $12.65 $11.15 1.7 1.1 $734 $533 $10.25 $14.12 $21,570 24% $29,360 1.9 $1,798 $539 $71,900 2,353 Iowa County 1.4 1.7 $5.01 $12.65 2.5 $15,120 20% $26,320 $658 $1,260 $378 $50,400 585 Iron County $260 $725 $13.94 Jackson County 2,168 $53,100 $398 $1,328 $658 $26,320 27% $15,930 $12.65 1.7 0.9 $35,760 1.6 9,231 $64,800 $486 $1,620 $894 Jefferson County 29% $19,440 $17.19 $10.50 2.4 $546 $13.13 $10.19 1.8 1.3 $530 Juneau County 2,366 $55,700 $418 $1,393 $683 $27,320 23% $16,710 $521 33% 20,731 $68,000 $510 $919 $1,700 Kenosha County 1.8 2.4 $10.01 $17.67 $20,400 $36,760 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 246 OUT OF REACH 2016 •

253 Wisconsin RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Full-time jobs at Estimated rent rent necessary to mean renter needed Monthly rent % of total Renter minimum wage hourly mean affordable affordable 1 afford 2 BR wage needed to Annual to afford 2 BR affordable households hou seholds needed to afford renter wage at 30% at mean 30% 3 2 4 5 afford 2 BR FMR 2 BR FMR R FM I AM at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI 19% Kewaunee County $66,600 $500 $1,665 $756 $30,240 1,562 $19,980 $14.54 $8.38 2.0 1.7 $436 35% $595 1.4 2.2 $11.44 $15.92 $20,310 La Crosse County $33,120 $828 $1,693 $508 $67,700 16,276 $26,320 $536 1,482 $61,200 $459 $1,530 $658 Lafayette County 22% $18,360 $12.65 $10.31 1.7 1.2 1.7 $390 $52,000 2,276 Langlade County $7.86 $13.44 $15,600 26% $27,960 $409 $699 $1,300 1.9 24% $510 $473 $1,575 $658 Lincoln County $26,320 $63,000 $18,900 $12.65 $9.81 1.7 1.3 2,965 8,203 $63,200 $474 $1,580 $717 $28,680 24% Manitowoc County $18,960 $13.79 $10.58 1.9 1.3 $550 $19,620 Marathon County $65,400 $491 $1,635 $733 26% 14,145 $14.10 $10.62 1.9 1.3 $552 $29,320 $515 1.3 1.7 $9.91 $12.65 $16,470 23% $26,320 $658 $1,373 $412 $54,900 4,176 Marinette County 19% Marquette County 1.5 1.9 $9.60 $14.06 $16,950 $499 $731 $1,413 $424 $56,500 1,226 $29,240 2.5 $259 Menominee County 324 $38,300 $287 $958 $658 $26,320 26% $11,490 $12.65 $4.99 1.7 49% $769 $70,200 $527 $1,755 $907 $36,280 187,969 $21,060 $17.44 $14.79 2.4 1.2 Milwaukee County * 1.3 Monroe County 5,860 $63,500 $476 $1,588 $777 $31,080 33% $19,050 $14.94 $11.48 2.1 $597 $358 Oconto County 2,566 $64,200 $482 $1,605 $658 $26,320 17% $19,260 $12.65 $6.88 1.7 1.8 $501 1.5 2,619 $59,700 $448 $1,493 $729 $29,160 17% $17,910 $14.02 $9.63 1.9 Oneida County $28,720 1.2 1.9 $11.89 $13.81 $22,140 28% $618 $718 $1,845 $554 $73,800 19,942 Outagamie County 2.4 $10.57 $17.44 $21,060 23% $36,280 $549 $1,755 $527 $70,200 7,920 Ozaukee County * 1.7 $907 1.7 1.6 $399 Pepin County 596 $60,300 $452 $1,508 $658 $26,320 20% $18,090 $12.65 $7.67 27% Pierce County $85,800 $644 $2,145 $1,027 $41,080 4,122 $25,740 $19.75 $7.27 2.7 2.7 $378 1.5 $528 $18,120 $10.15 2.1 Polk County 22% $14.90 $775 $1,510 $453 $60,400 4,090 $31,000 $513 1.9 $9.86 $13.42 $19,920 32% 1.4 $698 $1,660 $498 $66,400 8,872 Portage County $27,920 $12.65 $10.54 1.7 Price County 1,420 $55,300 $415 $1,383 $658 $26,320 21% $16,590 1.2 $548 30% Racine County $70,300 $527 $1,758 $888 $35,520 22,645 $21,090 $17.08 $11.60 2.4 1.5 $603 $26,960 Richland County 1,950 $56,700 $425 $1,418 $674 $458 26% $17,010 $12.96 $8.81 1.8 1.5 $770 $582 $11.19 $14.81 $17,790 30% $30,800 2.0 $1,483 $445 $59,300 19,173 Rock County 1.3 $481 1.4 $9.24 $12.96 $14,730 22% $26,960 $674 $1,228 $368 $49,100 1,411 Rusk County 1.8 $476 2.2 St. Croix County 7,278 $85,800 $644 $2,145 $1,027 $41,080 23% $25,740 $19.75 $9.15 2.7 $32,080 1.6 7,919 $67,300 $505 $1,683 $802 Sauk County 31% $20,190 $15.42 $9.88 2.1 $514 1.9 1.6 $468 Sawyer County 1,859 $48,100 $361 $1,203 $733 $29,320 25% $14,430 $14.10 $8.99 $482 24% 4,033 $55,900 $419 $665 $1,398 Shawano County 1.4 1.8 $9.27 $12.79 $16,770 $26,600 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION 247 OUT OF REACH 2016 •

254 Wisconsin HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income rent rent Estimated Full-time jobs at necessary to mean renter needed Monthly rent affordable affordable Renter % of total minimum wage hourly mean 1 wage needed to afford 2 BR to afford Annual 2 BR affordable at mean at 30% hou seholds households renter wage needed to afford 30% 5 3 4 2 afford 2 BR FMR 2 BR FMR FM AM R I at AMI of AMI renter wage (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI $1,578 1.8 1.1 Sheboygan County 13,376 $63,100 $473 $645 $684 $27,360 29% $18,930 $13.15 $12.40 $658 1.5 1.7 $8.46 $12.65 $17,310 23% $26,320 $1,443 $433 $57,700 2,012 Taylor County $440 $26,320 $579 3,199 $62,800 $471 $1,570 $658 Trempealeau County 27% $18,840 $12.65 $11.13 1.7 1.1 $674 1.8 $8.18 $12.96 $17,580 22% $26,960 $425 $1,465 $440 $58,600 2,559 Vernon County 1.6 $467 $51,400 $386 $1,285 $712 $28,480 2,470 Vilas County $15,420 $13.69 $8.99 1.9 1.5 23% 1.6 $517 Walworth County 12,750 $70,500 $529 $1,763 $837 $33,480 32% $21,150 $16.10 $9.94 2.2 $29,240 1.7 1.9 $8.14 $14.06 $16,200 22% $423 $731 $1,350 $405 $54,000 1,590 Washburn County 2.4 $11.71 $17.44 $21,060 22% $36,280 $907 $1,755 $527 $70,200 11,552 Washington County * $609 1.5 2.4 1.4 $669 Waukesha County * 35,706 $70,200 $527 $1,755 $907 $36,280 23% $21,060 $17.44 $12.86 $18,960 $13.15 $63,200 $474 $1,580 $684 $27,360 24% Waupaca County $11.27 1.8 1.2 $586 5,147 1,803 $13.23 $27,520 $688 $1,355 $407 $54,200 18% Waushara County $8.59 1.8 1.5 $447 $16,260 34% $28,160 $704 $1,670 $501 $66,800 Winnebago County $697 1.0 1.9 $13.41 $13.54 $20,040 23,330 $27,960 $699 $1,605 $482 $64,200 8,122 Wood County 1.3 1.9 $542 $10.42 $13.44 $19,260 25% 1: BR = Bedroom * 50th percentile FMR (See Appendix A). FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. NATIONAL LOW INCOME HOUSING COALITION OUT OF REACH 2016 • 248

255 WYOMING S TAT E RANKING . In order to $812 In Wyoming, the Fair Market Rent (FMR) for a two-bedroom apartment is * afford this level of rent and utilities — without paying more than 30% of income on housing — 33 $32,489 monthly or $2,707 a household must earn annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of: PER HOUR $15.62 STATE FACTS HOUSING WAGE* MOST EXPENSIVE COUNTIES Teton County Minimum Wage $7.25 $22.48 $14.28 Campbell County Average Renter Wage $18.08 2-Bedroom Housing Wage Sweetwater County $17.94 $15.62 69,225 Number of Renter Households $16.90 Sheridan County Percent Renters 31% $16.25 Lincoln County $812 Two bedroom FMR 86 $1,859 Rent affordable at area median income (AMI) Work Hours Per Week At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) Rent affordable with full-time job paying mean $743 renter wage ––––––––––––– $558 Rent affordable at 30% of AMI Rent affordable with full-time job paying $377 min wage 2.2 $227 Rent affordable to SSI recipient Number of Full-Time Jobs At Minimum Wage Needed To Afford a 2-Bedroom Unit (at FMR) $2,000 $500 $1,000 $0 $1,500 * Ranked from Highest to Lowest 2-Bedroom Housing Wage • NATIONAL LOW INCOME HOUSING COALITION 249 OUT OF REACH 2016

256 Wyoming AREA MEDIAN INCOME (AMI) HOUSING COSTS RENTER HOUSEHOLDS FY16 HOUSING WAGE Monthly Monthly jobs at Hourly wage Full-time Annual income Estimated Full-time jobs at rent rent mean renter necessary to needed Renter % of total Monthly rent hourly mean minimum wage affordable affordable 1 afford 2 BR wage needed to to afford 2 BR Annual households households affordable needed to afford renter wage at 30% at mean 30% 5 3 2 4 FMR afford 2 BR 2 BR FMR AMI FMR (2010-2014) (2010-2014) at AMI 2 BR FMR (2016) of AMI renter wage of AMI Wyoming $743 1.1 $14.28 $15.62 $558 31% $32,489 $812 $1,859 $74,359 2.2 69,225 $22,308 Combined Nonmetro Areas 2.2 $21,783 $72,608 47,081 $750 1.1 $545 $14.42 $15.77 30% $32,792 $820 $1,815 Metropolitan Areas $1,835 2.2 $15.81 $22,020 32% $32,880 $822 $16.40 $551 $73,400 Casper MSA 1.0 $853 10,208 $2,063 Cheyenne MSA 11,936 $585 1.3 2.1 $11.24 $82,500 $24,750 32% $30,960 $774 $619 $14.88 Counties Albany County 7,711 $69,700 $523 $1,743 $804 $407 50% $20,910 $15.46 $7.83 2.1 2.0 $32,160 1.1 $594 1.7 $11.42 $12.65 $19,050 25% $26,320 $658 $1,588 $476 $63,500 1,086 Big Horn County $37,600 $922 4,479 $87,000 $653 $2,175 $940 Campbell County 26% $26,100 $18.08 $17.73 2.5 1.0 $14.37 0.8 $919 $17.67 Carbon County 1,868 $67,100 $503 $1,678 $747 $29,880 30% $20,130 2.0 $28,680 $13.79 1.1 1.9 $12.67 $23,160 26% $659 $717 $1,930 $579 $77,200 1,503 Converse County $62,500 Crook County $880 $469 $1,563 $714 $28,560 636 $18,750 $13.73 $16.93 1.9 0.8 21% $590 4,315 $62,000 $465 $1,550 $723 Fremont County 28% $18,600 $13.90 $11.34 1.9 1.2 $28,920 1.7 1.2 $571 Goshen County 1,340 $53,300 $400 $1,333 $658 $26,320 25% $15,990 $12.65 $10.98 0.9 $736 598 $57,800 $434 $1,445 $658 $26,320 27% $17,340 $12.65 $14.15 1.7 Hot Springs County $776 $660 $12.68 $14.92 $19,500 26% $31,040 2.1 $1,625 $488 $65,000 976 Johnson County 1.2 $585 1.3 2.1 $14.88 $24,750 32% $30,960 $774 $2,063 $619 $82,500 11,936 Laramie County $11.24 $33,800 1.3 1,161 $73,400 $551 $1,835 $845 Lincoln County 18% $22,020 $16.25 $12.12 2.2 $630 $16.40 2.2 1.0 $853 Natrona County 10,208 $73,400 $551 $1,835 $822 $32,880 32% $22,020 $15.81 37% Niobrara County $58,500 $439 $1,463 $671 $26,840 378 $17,550 $12.90 $9.29 1.8 1.4 $483 3,251 $19,950 $13.33 $13.86 1.8 1.0 $721 $27,720 $693 $1,663 $499 $66,500 28% Park County $26,320 $674 854 $64,200 $482 $1,605 $658 Platte County 1.0 1.7 $12.96 $12.65 $19,260 23% 30% $879 $1,738 $521 $69,500 3,787 Sheridan County $551 2.3 $10.59 $16.90 $35,160 1.6 $20,850 $26,430 27% $842 $2,203 $661 $88,100 953 $33,680 $16.19 $25.30 2.2 0.6 $1,316 Sublette County 2.5 0.9 $17.94 $25,110 29% $37,320 $933 $2,093 $628 $83,700 4,913 Sweetwater County $1,002 $19.28 $22.48 $46,760 3,229 $85,800 $644 $2,145 $661 1.8 3.1 $12.72 $1,169 $25,740 41% Teton County FMR=Fiar Market Rent (HUD, 1999) 1: BR = Bedroom 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 250 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

257 Wyoming RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS FY16 HOUSING WAGE Monthly Monthly Hourly wage Full-time jobs at Annual income Estimated Full-time jobs at rent rent necessary to mean renter needed % of total Renter Monthly rent minimum wage hourly mean affordable affordable 1 wage needed to afford 2 BR to afford 2 BR Annual affordable hou seholds households needed to afford renter wage at mean at 30% 30% 4 3 2 5 afford 2 BR FMR 2 BR FMR FMR AMI at AMI (2010-2014) (2010-2014) 2 BR FMR (2016) of AMI renter wage of AMI 30% Uinta County $75,000 $563 $1,875 $711 $28,440 2,234 $22,500 $13.67 $12.52 1.9 1.1 $651 31% Washakie County 1,077 $66,300 $497 $1,658 $658 $647 1.0 1.7 $26,320 $12.65 $19,890 $12.45 $14.62 Weston County 732 $76,500 $574 $1,913 $760 $30,400 24% $22,950 $668 $12.84 2.0 1.1 1: BR = Bedroom FMR=Fiar Market Rent (HUD, 1999) 2: FMR = Fiscal Year 2016 Fair Market Rent (HUD, 2016) 3: This calculation uses the higher of the state or federal minimum wage. Local minimum wages are not used. See Appendix A. 4: AMI = Fiscal Year 2016 Area Median Income 5: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs. 251 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

258 APPENDIX A: DATA NOTES, METHODOLOGIES, AND SOURCES ppendix A describes the data and methodology of Out of Reach . Each subject FAIR MARKET RENTS includes a description and link to the primary data source. In some instances, supplementary material is also cited. Information on how to calculate and A The FY16 FMRs are based on special tabulations of 2009-2013 American Community th th How to Use the Numbers,” and “Where interpret the data can be found in the sections “ Survey (ACS) data. Base rents that provide the 40 and 50 percentile of standard ” which immediately follow the reports’ introduction. the Numbers Come From , quality rents are determined using the standard quality two-bedroom gross rent estimates from the five-year ACS data. The estimate is considered reliable if its margin FAIR MARKET RENT AREA DEFINITIONS of error is less than 50% of the estimate. If an FMR area does not have a reliable estimate from the 2009-2013 ACS data, then the most recent reliable estimate from Each year, HUD determines Fair Market Rents (FMRs) for metropolitan and rural the past five years is updated by the change in the corresponding State metropolitan housing markets across the country. In metropolitan areas, HUD tries to use the most or non-metropolitan area from the year of the most reliable estimate to 2009. If current Office of Management and Budget (OMB) metropolitan area definitions to the FMR area does not have a reliable estimate in the past five years, then the State define housing market boundaries for FMRs. Since FMR areas are meant to reflect metropolitan area or non-metropolitan area estimate is the base for FY16 FMRs. cohesive housing markets, adopting the OMB definitions is not always preferable. Also, significant changes to area definitions can affect current housing assistance A recent mover adjustment factor is applied to the base rent. This factor is calculated th recipients. In keeping with OMB’s guidance to federal agencies, HUD modifies the percentile standard as the percentage change between the five-year 2009-2013 40 th OMB boundaries in some instances for purposes of program administration. percentile recent mover quality two-bedroom gross rent, and the one-year 2013 40 two-bedroom gross rent. HUD does not allow recent mover factors to lower the base HUD’s FY06 FMR areas incorporated OMB’s 2003 overhaul of metropolitan area rent. The data represent the smallest geographic area containing the FMR area where definitions. HUD used OMB’s new definitions, but modified them if a county (or the gross rent is statistically reliable. town) to be added to an FMR area under those definitions had rents or incomes in 2000 that deviated more than 5% from the newly defined metropolitan area. HUD Local area rent survey results are used as base rents when the local survey indicates (and ) refers to unmodified OMB-defined areas as Metropolitan Statistical Out of Reach rents statistically different from the ACS-based rents. For FY16 FMRs, the ACS is not Areas (MSAs) and HUD-modified areas as HUD Metro FMR Areas (HMFAs). OMB’s used as the base rent or recent mover factors in eight FMR areas. HUD currently does subsequent changes to metropolitan area definitions through 2009 were incorporated not have funds to conduct local surveys, and so future surveys must be paid for by the into HUD’s subsequent FMR areas. public housing agencies. OMB released new metropolitan area definitions in February 2013. HUD elected to A CPI update factor is applied to the ACS base rent to adjust for inflation through 1 apply pre-2013 definitions to FY16 FMR areas except where the post-2013 definitions A trend factor is then applied to trend the 2014 using local or regional CPI data. resulted in a smaller FMR area. Counties that had been removed from metropolitan gross rent forward to 2016. HUD trended the final FY16 FMRs forward with national areas were treated by HUD as nonmetropolitan counties. Counties that had been forecasts of the rent and utility components of the CPI. The trend factor is the added to metropolitan areas were treated by HUD as metropolitan subareas (HMFAs) weighted average change between the most recent annual Rent of Primary Residence and given their own FMR if local rent data were statistically reliable. New multi- and Utility CPIs and the same indices forcasted to the relevant fiscal year. The trend 2 county metropolitan areas were treated by HUD as individual county metropolitan factor applied to the final FY16 FMRs was 1.0457. subareas (HMFAs) if the data were statistically reliable. This is consistent with HUD’s Out of Reach While the printed book highlights the two-bedroom FMR, the online objective to maximize tenant choice by allowing FMRs to vary locally. These changes version includes a broader data set covering the zero- to four-bedroom FMRs. The . resulted in more metropolitan areas listed in Out of Reach 2016 focus on the two-bedroom FMRs reflects HUD methodology. HUD finds that two- In cases in which an FMR area crosses state lines, this report provides an entry for bedroom rental units are most common and the most reliable to survey, so the two- the area under both states. While the Housing Wage, FMR, and Area Median Income bedroom units are utilized as the primary FMR estimate. (AMI) values apply to the entire FMR area and will be the same in both states, other data such as the number of renter households and the minimum and renter wages 1 Documentation on the development of the FMR for each county and metropolitan area is available at apply only to the portion of the FMR area within that state’s borders. http://www.huduser.org/portal/datasets/fmr.html . https://www.huduser.gov/portal/ 2 Detailed documentation on the trend factor for FY16 is available at datasets/fmr/fmrs/FY2016_code/alt_trend.odn . 252 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

259 HUD uses the two-bedroom FMR estimates and bedroom-size rent ratios to calculate AREA MEDIAN INCOME (AMI) APPENDIX A: DATA NOTES, METHODOLOGIES, AND SOURCES FMRs for units of other sizes. HUD makes additional adjustments for units with three or more bedrooms to increase the likelihood that the largest families, who have the This edition of uses HUD’s FY16 AMIs. HUD calculates the family Out of Reach most difficulty in finding units, will be successful in finding eligible program units. AMI for metropolitan areas and nonmetropolitan counties. The Census definition of “family” is two or more persons related by blood, marriage or adoption residing Due to changes in FMR methodology over the years, we do not recommend together. This family AMI relates to all families and is not intended to apply to a with previous editions, particularly editions prior to the use of Out of Reach comparing specific family size. the American Community Survey (ACS). In 2011, HUD updated its methodology to calculate family AMIs due to the HUD provides online PDF and Excel files that list the counties (and New England availability of five-year ACS data. That year, HUD discontinued use of Census 2000 towns, where applicable) included in each FMR area and their FY16 FMRs. These data in the production of FY11 AMIs. resources are available at . www.huduser.org/datasets/fmr.html The 2009-2013 ACS data are used to calculate the FY16 AMIs. In areas with https://www.huduser.gov/portal/datasets/ HUD’s Notice of FY16 FMRs is available at statistically reliable one-year 2013 ACS data, HUD incorporates the more recent data. fmr/fmr2016f/FY2016_Final_FMRs_preamble.pdf . HUD’s standard for statistically reliable data is a margin of error of less than 50% of TH TH the estimate. 40 PERCENTILE FMR DESIGNATION AND 50 The Congressional Budget Office (CBO) projection of the Consumer Price Index th percentile rent, HUD’s regulations at 24 CFR 888.113 require it to set FMRs at the 50 (CPI), published in January 2016, is used by HUD to inflate the ACS estimate from th , for metropolitan areas that contain geographically concentrated rather than the 40 2013 to the mid-point of FY16. voucher recipients. This rule was established to raise the voucher payment standard and expand rental options in higher opportunity locations for housing voucher Applying the assumption that no more than 30% of income should be spent on th holders. Once designated, the FMR area retains its 50 percentile rent for three years, Out of Reach housing costs (see below), calculates the maximum affordable rent for at which time HUD reviews it for continuing eligibility. FMR areas are removed from households earning the median income and 30% of the median (extremely low the program if after three years they fail to show gains in deconcentration or graduate income). This is a straight percentage and does not include HUD’s adjustments for from the program. income limits for federal housing programs. th In FY15, 16 FMR areas were using 50 percentiles. Six were eligible for review. Two of Out The median incomes for states and combined nonmetropolitan areas reported in the six did not show deconcentration over the three-year period and are not eligible reflect the weighted average of county AMI data weighted by the total number of Reach th th for 50 percentile percentile status again until 2019. One area graduated from the 50 of households provided by 2010-2014 ACS. program. One FMR area was added to the program. FY16 family AMI for metropolitan areas and nonmetropolitan counties, the th percentile designation for FY16. An asterisk (*) is used Fourteen FMR areas have 50 methodology, and HUD’s adjustments to subsequent income limits are provided in . Out of Reach to denote these FMR areas in https://www.huduser.gov/ , available at FY2016 HUD Income Limits Briefing Material portal/datasets/il/il16/IncomeLimitsBriefingMaterial-FY16.pdf . th The last page in this appendix lists the FMR areas currently eligible for the 50 percentile FMR. AFFORDABILITY NATIONAL, STATE, AND NON-METRO FAIR MARKET Out of Reach is consistent with federal housing policy in the assumption that no more than 30% of a household’s gross income should be consumed by gross housing costs. RENTS 3 Spending more than 30% of income on housing is considered “unaffordable.” HUD calculates FMRs for metropolitan areas and nonmetropolitan counties, but addresses affordability in the rental housing market, housing Out of Reach Although not for states, combined nonmetropolitan areas, or the nation. The FMRs for these , published problems are not unique to renters. The State of the Nation’s Housing: 2015 larger geographies provided in Out of Reach are calculated by NLIHC and reflect the http://www.jchs.harvard. by Harvard University’s Joint Center for Housing Studies ( weighted average FMR for the counties included in the larger geography. The weight for FMRs is the number of renter households within each county from the 2010-2014 ACS. 3 The Housing and Urban-Rural Recovery Act of 1983 made the 30% “rule of thumb” applicable to rental housing assistance programs. See Pelletiere, D. (2008). Getting to the heart of housing’s fundamental Washington, D.C.: National Low Income Housing Coalition. question: How much can a family afford? 253 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

260 edu/sites/jchs.harvard.edu/files/jchs-sonhr-2015-full.pdf ), includes analysis of the The estimated mean renter hourly wage is based on the average weekly earnings 6 Renter wage homeownership and rental housing markets. of private (non-governmental) employees working in each county. information is based on 2014 data reported by the BLS in the Quarterly Census of PREVAILING MINIMUM WAGE Employment and Wages. For each county, mean hourly earnings are multiplied by the ratio of median renter household income to median income of all households in the The federal minimum wage on January 1, 2016 was $7.25 per hour. According to American Community Survey (2010-2014) to arrive at an estimated average renter data from the U.S. Department of Labor, the District of Columbia and 29 states had wage. In eighteen counties nationwide, the median renter household income exceeds a state minimum wage higher than the federal level on January 1, 2016. In place the median household income. Nationally, the median renter household earned an Out of Reach of the lower federal rate, incorporates the prevailing minimum wage average of 62% of the overall median household income. Out of Reach incorporates the minimum wage in effect at the time of in these states. publication . Some local municipalities have a minimum wage that is higher than the An inflation factor was applied to inflate the estimated mean renter hourly wage based on prevailing federal or state rate, but this local rate is not fully incorporated into Out 2014 data to 2016. The inflation factor (239.1 ÷ 236.712) was based on the CBO forecast of Reach data. of the national CPI for FY2016. HUD used this methodology for the 2016 AMI estimates. are the number of hours and subsequent Out of Reach Among the statistics included in In approximately 7.7% of counties, the renter wage is below the federal minimum full-time jobs a minimum wage earner must work to afford the FMR. If the reader wage. One likely explanation is that workers in these counties average fewer than 40 would like to calculate the same statistics using a different wage such as a higher local hours per week, but the mean renter wage calculation assumes weekly compensation minimum wage, a simple formula can be used for the conversion: is the product of a full-time work week. For example, mistakenly assuming earnings from 20 hours of work were the product of a full-time workweek would underestimate the actual hourly wage by half, but it would still accurately reflect the [hours or jobs at the published wage] × true earnings under the assumption of a full-time schedule (see next section). [published wage] / [alternative wage] Wage data from the Quarterly Census of Employment and Wages are available For example, one would have to work 176 hours per week to afford the two- through the Bureau of Labor Statistics at www.bls.gov/cew/home.htm . bedroom FMR in San Francisco if the minimum wage in that location was equivalent to California’s rate of $10.00. However, the same FMR would be affordable in 144 WORKING HOURS 4 (176 $10.00 / $12.25). × hours under the higher local minimum wage of $12.25 Calculations of the Housing Wage and of the number of jobs required at the minimum For further guidance, see “Where the Numbers Come From” or contact NLIHC wage or mean renter wage to afford the FMR assume that an individual works 40 research staff. hours per week, 52 weeks each year, for a total of 2,080 hours per year. Seasonal www.dol.gov/whd/minwage/america.htm employment, unpaid sick leave, temporary lay-offs, job changes, and other leave ) provides further The Department of Labor ( prevent many individuals from maximizing their earnings throughout the year. information on state minimum wage laws. According to Current Employment Statistics for March 2016, the average wage earner 7 AVERAGE RENTER WAGE in the U.S. worked 34.4 hours per week. Recognizing that the minimum wage reflects the earnings of only the lowest income Not all employees have the opportunity to translate an hourly wage into full-time, Out of Reach workers, also calculates an estimated mean renter hourly wage. This year-round employment. For these workers, the Housing Wage underestimates the measure reflects the compensation that a typical renter is likely to receive for an hour actual hourly compensation needed to afford the FMR. Conversely, some households of work by dividing average weekly earnings by 40 hours, thus assuming a full-time include multiple wage earners or single individuals that average more than 40 hours workweek. Earnings include several non-wage forms of compensation like paid leave, per week at work. For these households, a home renting at the FMR would be 5 bonuses, tips, and stock options. affordable even if each worker earned less than the area’s stated Housing Wage, as long as their combined wages exceed the Housing Wage. 4 http://laborcenter.berkeley.edu/minimum-wage-living-wage- U.C. Berkeley Labor Center (2016). 6 Renter wage data for 9 counties are not provided in Out of Reach either because the BLS could not resources/inventory-of-us-city-and-county-minimum-wage-ordinances/ . disclose the data for confidentiality reasons or because the number of employees working in the county was insufficient to estimate a reliable wage. 5 Please note this measure is different from renter median household income, which reflects an estimate of what renter households are earning today and includes income not earned in relation to The employment situation: March 2016 Bureau of Labor Statistics. (2016). 7 . Washington, D.C.: U.S. employment. Department of Labor. 254 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

261 For an expanded report on hours and earnings by the Bureau of Labor Statistics, see The Out of Reach methodology was developed by Cushing N. Dolbeare, The Employment Situation: March 2016 , available at http://www.bls.gov/news.release/ founder of the National Low Income Housing Coalition. . empsit.nr0.htm TH ELIGIBILITY FOR 50 PERCENTILE FAIR MARKET RENT SUPPLEMENTAL SECURITY INCOME (SSI) th percentile rent in 14 In FY16, Fair Market Rents (FMRs) were set at the 50 Out of Reach compares rental housing costs with the rent affordable to FMR areas where voucher tenants were concentrated in low opportunity areas. individuals receiving Supplemental Security Income (SSI) payments. The th Compared with the typical 40 percentile rent, this higher voucher payment numbers are based on the maximum federal SSI payment for individuals standard can provide tenants with a broader range of housing opportunities. Out of Reach in 2016, which is $733 per month. calculations also include TH PERCENTILE FMR AREAS ELIGIBLE FOR FY16 50 supplemental payments that benefit all individual SSI recipients in 19 states where the Social Security Administration (SSA) reports the supplemental Albuquerque, NM MSA https://secure.ssa.gov/ payment amount. These amounts are available at Baltimore-Columbia-Towson, MD MSA apps10/poms.nsf/lnx/0502302200 . Chicago-Joliet-Naperville, IL HUD Metro FMR Area Supplemental payments provided by an additional 27 states and the District Denver-Aurora-Broomfield, CO MSA of Columbia are excluded from calculations. For some, these Out of Reach Hartford-West Hartford-East Hartford, CT HUD Metro FMR Area payments are administered by the SSA but are available only to populations with specific disabilities, in specific facilities, or in specific household settings. Honolulu, HI MSA For the majority, however, the supplements are administered directly by the Kansas City, MO-KS HUD Metro FMR Area states, so the data are not readily available if they haven’t been reported to the Milwaukee-Waukesha-West Allis, WI MSA SSA. The only four states that do not supplement federal SSI payments are Arizona, North Dakota, Mississippi, and West Virginia. Residents of Puerto Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA Rico cannot receive federal SSI payments. Riverside-San Bernardino-Ontario, CA MSA Since SSI payments are set at the state level, the published version of Out of Tacoma, WA HUD Metro FMR Area Reach illustrates the difference between each state’s average two-bedroom FMR Virginia Beach-Norfolk-Newport News, VA-NC MSA and the rent that is affordable for SSI recipients. Readers can calculate this gap Washington, DC-VA-MD HUD Metro FMR Area for any geography by subtracting the rent affordable to an SSI recipient from the area’s FMR. West Palm Beach-Boca Raton, FL HUD Metro FMR Area Information on SSI payments is available through the Social Security Administration at https://www.ssa.gov/OACT/COLA/SSI.html and https://www.ssa.gov/pubs/ . The Technical Assistance Collaborative, Inc., publishes a biennial report comparing can Fair Market Rents with the incomes of SSI recipients. Recent editions of Priced Out . http://www.tacinc.org/knowledge-resources/publications/ be found at ADDITIONAL DATA AVAILABLE ONLINE Out of Reach The print version of contains limited data in an effort to present the most http://www. important information clearly. Additional data can be found online at nlihc.org . 255 OUT OF REACH 2016 • NATIONAL LOW INCOME HOUSING COALITION

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