National Low Income Housing Out of Reach Report 2014

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OUT OF REACH 2014

ALTHEA ARNOLD, MPP
Research Analyst
SHEILA CROWLEY, Ph.D., MSW

President and CEO
ELINA BRAVVE, MCRP

Research Analyst
SARAH BRUNDAGE
Communications Director
CHRISTINE BIDDLECOMBE
Research Intern
Copyright 2014 by the National Low Income Housing Coalition
NLIHC STAFF
Established in 1974 by Cushing N. Dolbeare, the National Low Income

Housing Coalition is dedicated solely to achieving socially just public
policy that assures people with the lowest incomes in the United
States have affordable and decent homes. NLIHC educates, organizes,
and advocates to ensure decent, affordable housing within healthy
neighborhoods for everyone.
NLIHC provides up-to-date information, formulates policy, and
educates the public on housing needs and the strategies for solutions.
Permission to reprint portions of this report or the data therein is
granted, provided appropriate credit is given to the National Low
Income Housing Coalition. Additional copies of Out of Reach are
available from NLIHC.
The data for nonmetropolitan areas included in Out of Reach are
published in collaboration with the Housing Assistance Council.
727 15TH STREET NW, 6TH FLOOR // WASHINGTON, DC 20005
(Phone) 202.662.1530 // (Fax) 202.393.1973
WWW.NLIHC.ORG
Althea Arnold
Megan Bolton
Elina Bravve
Sarah Brundage
Linda Couch
Sheila Crowley
Dan Emmanuel
Ed Gramlich
Mary Kolar
Joseph Lindstrom
Sham Manglik
Khara Norris
Melissa Quirk
Christina Reyes
Christina Sin
LaTeashia Sykes
Research Analyst
Research Director
Research Analyst
Communications Director
Senior Vice President for Policy and Outreach
President and CEO
Outreach Associate
Director of Regulatory Affairs
Outreach Associate
Outreach Associate
Senior Policy Analyst
Director of Administration
Senior Policy Analyst
Executive Assistant
Development Coordinator
State Coalition Project Director
NLIHC BOARD OF DIRECTORS
Christine Allamanno, Saint Petersburg, FL

Mark Allison, New Mexico Wilderness Alliance, Albuquerque, NM
William C. Apgar, Joint Center for Housing Studies, Harvard University, Cambridge, MA
David Bowers, Enterprise Community Partners, Washington, DC
Maria Cabildo, East LA Community Corporation, Los Angeles, CA
Delorise Calhoun, Jurisdiction-Wide Resident Advisory Board, Cincinnati Housing Authority, Cincinnati, OH
Brenda J. Clement, Citizens Housing and Planning Association, Boston, MA
Emma Pinky Clifford, Oglala Sioux Tribe Partnership for Housing, Pine Ridge, SD
Marcie Cohen, Community CoNexus, Washington, DC
Lot Diaz, National Council of La Raza, Washington, DC
Chris Estes, National Housing Conference, Washington, DC
Bill Faith, Coalition on Homelessness and Housing in Ohio, Columbus, OH
Daisy Franklin, Publicly-Assisted Housing Resident Network, Norwalk, CT
Matt Gerard, Minneapolis Highrise Representative Council, Minneapolis, MN
Deirdre DeeDee Gilmore, Charlottesville Public Housing Association of Residents, Charlottesville, VA
Lisa Hasegawa, National Coalition for Asian Pacific American Community Development, Washington, DC
Moises Loza, Housing Assistance Council, Washington, DC
Rachael Myers, Washington Low Income Housing Alliance, Seattle, WA
Marla Newman, Louisiana Housing Alliance, Baton Rouge, LA
Ann OHara, Technical Assistance Collaborative, Boston, MA
Robert Palmer, Housing Action Illinois, Chicago, IL
Greg Payne, Maine Affordable Housing Coalition, Portland, ME
Tara Rollins, Utah Housing Coalition, Salt Lake City, UT
Martha Weatherspoon, Lincoln Home Resident Council, Clarksville, TN
Paul Weech, Housing Partnership Network, Washington, DC
Leonard Williams, Kenfield-Langfield Resident Council, Buffalo, NY
OUT OF REACH 2014

Table of Contents
PREFACE.....................................................................................................1
By Barry Zigas, Director of Housing Policy, Consumer Federation of America;
Former CEO of the National Low Income Housing Coalition
ABOUT OUT OF REACH..............................................................................2

By Sheila Crowley, President and CEO of the National Low Income Housing Coalition
INTRODUCTION..........................................................................................4
USERS GUIDE
Where the Numbers Come From...............................................................10

How to Use the Numbers............................................................................11
TABLES AND MAPS
2014 Most Expensive Jurisdictions...........................................................12

2014 States Ranked by Two-Bedroom Housing Wage.............................13
2014 Two-Bedroom Rental Unit Housing Wage.......................................14
2014 Hours at Minimum Wage Needed to Afford Rent...........................15
2014 State Summary..................................................................................16
STATE TABLES..........................................................................................18
APPENDICES
Appendix A: Data Notes, Methodologies and Sources............................235

Appendix B: Explanation of Fair Market Rent........................................239
The pocket in this booklets back cover contains a handout with Out of Reach
2014 data for your state. Data for other states, metropolitan areas, and
counties can be found at: WWW.NLIHC.ORG/OOR/2014
Out of Reach community information is the gold standard for

communicating the need for affordable housing. The information
is used by advocates, by communities, and by politicians because
it is easy to understand and clearly demonstrates the need for
affordable housing in communities across the United States.
KATHY KAMP, EXECUTIVE DIRECTOR
WISCONSIN PARTNERSHIP FOR HOUSING DEVELOPMENT
PREFACE By Barry Zigas, Director of Housing Policy, Consumer Federation of America; Former President of the National Low Income Housing Coalition (1984-1993)
When Out of Reach was first published in 1989, the United States was reeling
from an intensifying housing crisis that was on vivid display through a rapid
increase in homelessness. Under President Ronald Reagan, the Administration
had repeatedly sought to eliminate incremental funding for Section 8 as part of a
broad assault on social spending. The George H.W. Bush Administration arrived
in Washington earlier that year promising compassionate conservatism, but
did not offer significant funding to address the crisis. And while Congress had
sustained affordable housing spending at constrained levels and adopted the Low
Income Housing Tax Credit in 1986, which was championed by the National Low
Income Housing Coalition (NLIHC), direct funding to provide assistance for very
low income renters remained far below what was needed. The Cranston Gonzalez
Housing Act of 1990, which would establish the HOME program, adding $1
billion annually for affordable housing development and preservation, had yet to
be drafted. More than 200,000 people mobilized by the Housing Now Coalition
crowded the National Mall to demand housing justice in October, reflecting the
urgency felt in communities around the country.
NLIHCs founder, Cushing Dolbeare, had been a respected source of fact-based
analysis of low income housing needs since founding the Coalition in 1974 and
serving as its CEO until 1984. In 1989, as the Coalitions Chair, she proposed
a new way of dramatically demonstrating how large the gap was. The resulting
report, Out of Reach, provided a compelling picture by comparing data on HUDs
so-called Fair Market Rents, and the wages that would be needed to afford them
if households were paying 30 percent of their income on rent. Out of Reach was an
instant hit, and helped spawn other important and complementary measures of
the housing crisis such as HUDs Worst Case Housing Needs analysis.
This years report, sadly, reminds us that 25 years later, the U.S. has still not
met the promise of the 1949 Housing Act for a decent home in a suitable living
environment for all American households. Housing for low income renters
remains a virtual orphan in the federal budget. As the Bipartisan Policy Centers
(BPC) 2013 Housing Commission report, Housing Americas Future, noted,
the U.S. today spends roughly $180 billion per year through tax subsidies and
direct appropriations to support housing. But only about $48 billion of this is
directed to low income renters. Most of the balance supports homeownership,
primarily through the deductibility of mortgage interest and property taxes
for homeowners. Consequently, only one out of every four families eligible for
assistance receives it. Rather than setting our sights on solving the problem of
rents that threaten families with dire choices between housing, food, health
care, clothing, and education, we have systematized a lottery system that leaves
thousands of households on waiting lists for years at a time. The Commission
recommended ending this cruel game of chance by committing to provide rental
assistance to every eligible household with an income below 30% of the area
median income, at an estimated cost of $23 billion in additional annual funding to
assist 2.5 million additional households. This was one of Cushings most cherished
objectives in founding the Coalition and producing Out of Reach. Even coming 25
years later, the BPC Commissions endorsement is a significant recognition that
this crisis must be addressed.
This policy goal may well remain out of reach. But there are some hopeful signs.
As Congress has begun debating how to reestablish a functioning mortgage finance
system in the wake of the collapse of Fannie Mae and Freddie Mac, there is an
emerging consensus that fees to support funding for very low income housing
assistance should be an integral part of any reform. Senate Banking Committee
Chairman Tim Johnson (D-SD) and Ranking Member Mike Crapo (R-ID) have
written a bill that would levy a new fee on mortgage securitizations that could in a
short time generate a stream of $5 billion a year to fund such needs. Three quarters
would go to the National Housing Trust Fund to build and preserve affordable rental
housing for extremely and very low income renters.
The last 25 years have not been an unmitigated failure, either. Concentrated
efforts have nearly eliminated homelessness among U.S. veterans. Cities across
the country have adopted and made progress on ten-year plans to eliminate
homelessness within their borders. Many formerly wretched public housing
communities have been revitalized into healthier homes for very low income
renters. And the disturbing earnings gap between the very rich and nearly
everyone else in American society has moved to the top of public agendas.
Twenty-five years after its first publication, Out of Reach reminds us that our
country has a long way to go to secure housing justice for all. The National
Housing Trust Fund would be one of Cushing's key legacies. But as Out of Reach
reminds us, low income renters do not have sufficient income to afford even
homes with rents below the median in their markets. Full employment at decent
wages would be the most effective affordable housing policy by allowing families to
pay for basic necessities. Until that day comes, very low income renters need both
new production to expand the affordable housing supply, and significant increases
in rental subsidies so they can afford the homes they already live in.
National Low Income Housing Coalition // Out of Reach 2014
ABOUT OUT OF REACH
By Sheila Crowley, President and CEO of the National Low Income Housing Coalition
This year marks the 40th anniversary of the National Low Income Housing
Coalition and the 25th anniversary of Out of Reach. In 1974, Cushing Dolbeare
convened the Ad Hoc Low Income Housing Coalition in response to major
changes in federal housing policy. Eventually the ad hoc coalition was organized
and incorporated into two partner organizations: the Low Income Housing
Information Service (LIHIS) and the National Low Income Housing Coalition
(NLIHC). Barry Zigas was hired as the new President of NLIHC and Executive
Secretary of LIHIS in 1984 and Cushing stayed on to chair the NLIHC board and
serve as a consultant to LIHIS. The two organizations merged in 1996.
Cushing believed strongly in the importance and influence of good data. She
was also adept at managing and analyzing data electronically and was one of the
first advocates to get a personal computer. Out of Reach reflected this passion
and commitment. Cushing did the analysis and authored the first Out of Reach,
with the subtitle Why Everyday People Cant Find Affordable Housing, which was
published by LIHIS in August 1989. Seven hundred copies were printed and there
was a second printing in December. The Ford Foundation and Edna McConnell
Clark Foundation provided financial support. Cushing was the primary author or
consulted on every issue of Out of Reach until her death in 2005. The 2005 issue is
dedicated to her.
A hallmark of Out of Reach, and indeed all NLIHC research, is its usefulness and
accessibility to advocates at the state and local level. It was always intended to
put sound data into the hands of people who wanted to demonstrate the need for
affordable housing in their communities and to make the case to state and local
policy makers and local media.
The early issues of Out of Reach included state and metro area level data. In 1999,
with the support of the Housing Assistance Council, nonmetropolitan data were
added. This expansion meant that for the first time Out of Reach covered every
jurisdiction in the United States. The major message that year was nowhere in the
United States - in no state, metropolitan area, county, or New England town is
the minimum wage adequate to afford the two-bedroom Fair Market Rent.
The 1999 issue was also the first year that the term Housing Wage was used in
Out of Reach. From the beginning, one of the metrics reported in Out of Reach
was the hourly wage one must earn to afford Fair Market Rent (FMR) at 30% of
the household income. This has become the signature statistic from Out of Reach,
quoted far and wide. It even showed up in a political cartoon in 2003,1 for which
NLIHC got permission to use on the cover of Out of Reach the following year.
Why Everyday People Cant Find Affordable Housing was used as the subtitle until
1996, when it was changed to Out of Reach: Can America Pay the Cost? The 1997
and 1998 issues were called Out of Reach: Rental Housing at What Cost? Starting in
1999, Out of Reach was given a different subtitle each year along with graphics or
illustrations for the front cover.
Another change in 1999 was the invitation to a housing notable to author a
preface. Preface authors have been Senators Edward Kennedy (D-MA), Chris
Dodd (D-CT), Paul Sarbanes (D-MD), Jack Reed (D-RI), and Tim Johnson (D-SD);
Representatives Barney Frank (D-MA), Maxine Waters (D-CA), and Robert Ney
(R-OH); HUD Secretaries Andrew Cuomo and Shaun Donovan; Boston Mayor
Thomas Menino; U.S. Interagency Council on Homelessness Executive Director
Barbara Poppe; and AFL-CIO Housing Investment Trust CEO Steve Coyle. NLIHC
is honored that Barry Zigas has written the preface to the 25th anniversary issue.
1
Cartoon Copyright, 2003, Tribune Media Services. Reprinted with permission.
The Housing Wage has become a standard indicator of housing affordability. It

is referenced in the 1998 Encyclopedia of Housing as the Rental Housing Index
(RHI).2 The 2012 edition called it the Housing Wage,3 as did the Encyclopedia of
Homelessness published in 2004.4
One of the reasons for Out of Reachs immense popularity is that until recently
it was the only study of affordable housing need that was done annually and
provided data for every jurisdiction in the country. For many years, NLIHC
has coordinated its annual release with its partner state housing and homeless
coalitions. Local press look forward to the stories they can generate with the data.
A lot has changed about advocacy and data in the last 25 years, but no change has
been more monumental than the advent of the internet. In the early days, Out
of Reach was published in booklet form and NLIHC continues to produce print
copies each year. But its availability online starting in 1998 accelerated its use
significantly. Much more data could be posted online than could be printed. The
1998 and 1999 data were posted on the NLIHC website in spreadsheet form. In
2000, Out of Reach became searchable on line. Today, Out of Reach has a ubiquitous
digital presence. Out of Reach has had 23,740 unique pageviews in the last year. Its
maps and other visuals circulate rapidly through social media.
Despite its success as an affordable housing indicator and an advocacy tool, the
tragedy of Out of Reach is that each year the housing affordability problems of
the lowest income people in America grow worse. Documenting and publicizing
a problem is necessary, but insufficient to solving it. At NLIHC, we look forward
to the day when Out of Reach can be retired and everyone in our country has an
affordable and decent home.
The root cause of the housing problem

in this country is the large and growing gap
between the cost of decent housing and household
income, particularly renter household income...
The housing crisis among Americas poor is real.
For most of these households,
housing costs are increasingly out of reach.
EXCERPT FROM THE 1989 ISSUE,
PREPARED BY CUSHING DOLBEARE
Van Vliet , W. (Ed). (1998). The encyclopedia of housing. Thousand Oaks, CA: Sage Publishing, p. 12.
Carswell, A.T. (Ed). (2012). The encyclopedia of housing, 2nd ed. Thousand Oaks, CA: Sage Publishing, p. 15.
4
Levinson, D. (Ed). (2004). The encyclopedia of homelessness. Thousand Oaks, CA: Sage Publishing, p. 266.
2
3
INTRODUCTION
The signature finding of Out of Reach is the annual Housing Wage - the hourly
wage a full-time worker must earn to afford a decent two-bedroom rental home
at HUD-estimated Fair Market Rent (FMR) while spending no more than 30% of
income on housing costs. The Housing Wage allows Out of Reach to capture the
gap between wages and rents across the country, and reveals the growing disparity
that low income renters face.
In the United States, the 2014 two-bedroom Housing Wage is $18.92. This
national average is more than two-and-a-half times the federal minimum wage,
and 52% higher than it was in 2000. In no state can a full-time minimum wage
worker afford a one-bedroom or a two-bedroom rental unit at Fair Market Rent.
Each year, Out of Reach demonstrates that large numbers of low income renters
cannot afford the cost of living in the cities and towns where they work. On the
25th anniversary of Out of Reach, the report continues to underscore the growing
challenges faced by the lowest income renters: increasing rents, stagnating wages,
and an extreme shortage of affordable housing.
As policymakers consider raising the federal minimum wage and combating
income inequality, the shortage of affordable housing must also be addressed.
Expanding the supply of affordable rental homes dedicated to the lowest income
renters is a critical and fundamental part of any real solution.
MEETING DEMAND IN THE U.S. RENTAL HOUSING MARKET

There are over 40 million renter households in the U.S., making up 35% of all
households nationwide in 2012. This is a 1.1 million increase over the previous
year1 and double the rate of growth in previous decades.2 Renting has become more
attractive to people in all demographic groups, appealing across age and income
groups. While some opt for rental housing because of the flexibility it provides,
many others are boxed out of homeownership due to tight credit. Increasingly,
student loan debt is being seen as another deterrent to homeownership. For many,
simply being able to make rent is a month-to-month challenge.
With the demand for rental housing growing, the U.S. vacancy rate, which hit 8%
in the aftermath of the financial crisis, fell to 4.1% in the fourth quarter of 2013.
Joint Center for Housing Studies. (2013a). State of the nations housing, 2013. Cambridge, MA: Author. http://bit.ly/1jc2tUo
Joint Center for Housing Studies. (2013b). Americas rental housing: evolving markets and needs. Cambridge, MA: Author. http://wapo.st/1jd55Np
3
Wotapka, D. (2014, January 6). U.S. Rents Rise Again as Market Tightens. Wall Street Journal. http://bit.ly/18xoF48
4
Extremely low income households are those with incomes at or below 30% of the Area Median Income (AMI).
5
NLIHC analysis of 2012 American Community Survey (ACS) data, 2014. A unit is both affordable and available if that unit is both affordable
and vacant, or if it is currently occupied by a household at the defined income threshold or below.
The rate is the lowest since 2001s third quarter. Landlords continued to raise
rents in reaction to this trend, with an average price increase of 3.2% over 2013.3
Rent increases surpass the average inflation rate and translate to higher cost
burdens and housing instability for millions of Americans.
Finding a decent, affordable home is a challenge for all renters, but the poorest
households have very few options. For every 100 extremely low income (ELI)4
renter households, there are just 31 affordable and available units.5
Only a sliver of the rental market remains affordable and available to the lowest
income households. The level of investment in new affordable housing units
today is insufficient to meet the demand. Although nearly a third (28%) of renter
households live below the federal poverty line6 and a quarter of renters are ELI,7
most newly constructed units are for high income households, while older units
are being upgraded to serve a higher income market. Only 34% of new units in
2011 were affordable to the median income renter.8 Meanwhile, over 12.8% of the
nations supply of low cost housing, or 650,000 units, have been permanently lost
since 2001.9 The supply of subsidized rental housing is also steadily shrinking, with
a loss of 10,000 public housing units each year. This pattern of housing inequality is
dangerous for the millions of affected families and for the economy as a whole.
GREATEST HOUSING NEED AMONG EXTREMELY LOW INCOME

HOUSEHOLDS
Today, one out of every four renter households is an extremely low income
(ELI) household. There are a total of 10.2 million ELI renter households across
the United States, and three in four (75%) ELI renters spend over 50% of their
income on housing costs. These 7.7 million households have little left over to meet
other basic needs.10 And the need for affordable housing among ELI households
continues to grow. In 2010, there was a need for 6.8 million units affordable and
available to ELI households; this figure rose to 7 million by 2012.11
On average, ELI households in the United States have incomes of no more than
$19,706 but this varies and is often less depending on their specific location. At this
national level, ELI households can afford to spend no more than $493 a month on
rent. This year, the national two-bedroom Fair Market Rent (FMR) rose to $984, and
the one-bedroom FMR is $788, far above the rent ELI households can afford.
U.S. Census Bureau. (2012). Table C17019: Poverty Status in the Past 12 Months by Tenure. http://factfinder2.census.gov
NLIHC (2013).
Joint Center for Housing Studies. (2013b).
9
Ibid.
10
NLIHC analysis of 2012 ACS data, 2014.
11
Ibid.
7
8
Earning the U.S. Mean Renter Wage

2014 One-Bedroom FMR
2014 Two-Bedroom FMR
$761
$788
$984
THE GAP BETWEEN AFFORDABILITY AND REALITY FOR RENTERS

Rent Affordable
to a Household
Relyingon
on SSI
SSI
Rent Affordable
to a Household
Relying
Rent Affordable
to a Household
with One
Full-Time
ent Affordable
to a Household
with One Full-Time
Worker
Earning
the Federal
Minimum
Wage Minimum Wage
Worker
Earning
the Federal
Affordable
to an
Household
Rent Rent
Affordable
to an
ELIELIHousehold
Rent Affordable
to a Household
with One
Full-Time
ent Affordable
to a Household
with One Full-Time
Worker
Earning
the U.S.
Mean the
Renter
Wage
Worker
Earning
U.S.
Mean Renter Wage
2014
One-BedroomFMR
FMR
2014
One-Bedroom
2014
Two-BedroomFMR
FMR
2014
Two-Bedroom
DEFINITIONS
$216
Affordability in this report is consistent with

the federal standard that no more than 30% of a
households gross income should be spent on rent and
utilities. Households paying over 30% of their income
are considered cost burdened. Households paying
over 50% of their income are considered severely cost
burdened.
$377
$493
$761
$788
$984
Source: NLIHC Out of Reach 2014 analysis of 2012 American Community Survey data and Social Security Administration Annual SSI Statistics, 2012.
While ELI renter households may qualify for federal and local subsidy programs, housing assistance
programs are oversubscribed and three-quarters of eligible households go unassisted. Low income
households desperately in need of housing find themselves on years-long waiting lists, or find that
waiting lists for affordable housing in their area are closed entirely. For example, in April 2013, the
DC Housing Authority decided to close its waiting list of nearly 70,000 applicants when the average
wait time for a studio apartment was 38 years and 29 years for a one-bedroom unit. DC Mayor Vincent
Gray responded with a plan to create or preserve 10,000 units by 2020 but this does not address
the immediate needs of hundreds of thousands DC residents.12 Households trapped on waiting lists
experience unstable housing situations. These may include living doubled up with family or friends
(40%), or in the worst cases, individuals may find themselves homeless as they bounce from one
untenable housing situation to another (23%).13
About 8.3 million individuals receive Supplemental Security Income (SSI) because they are elderly,
blind, or have another disability, and have few economic resources.14 The maximum federal monthly
SSI payment is $721 in 2014. On this income, an SSI recipient can afford rent of only $216 a month.15
There is not a single county in the U.S. where even a modest efficiency apartment is affordable for an
individual receiving the maximum federal SSI benefit. The Technical Assistance Collaborative (TAC)
and the Consortium for Citizens with Disabilities (CCD) Housing Task Force found that in 2012, onebedroom rents surpassed 100% of monthly SSI in 181 housing markets across 33 states; and within 19 of
these areas, housing costs exceeded 150% of SSI. Even in the 21 states that administer discretionary SSI
supplements, recipients were still unable to afford rental units without a permanent rental subsidy.16
Dvorak, P. (2013, April). In D.C., a public housing waiting list with no end. Washington Post. http://wapo.st/1jd55Np
Leopold, J. (2012, July). The housing needs of rental assistance applicants. Cityscape, 14(2). http://bit.ly/NAgqwx
14
Social Security Administration. (2013, July). SSI annual statistical report, 2012. Washington, DC: Author. http://www.ssa.gov/policy/docs/statcomps/ssi_asr/
15
Because SSI payments are reduced for beneficiaries who report other sources of income, the average federal payment in 2012 was $519. However, 46 states supplement the
federal payment for all or a subset of recipients, depending on the state. See Appendix A.
16
Cooper, E., OHara, A., Singer, N., and Zovistoski, A. (2013, May). Priced out in 2012. Boston, MA: Technical Assistance Collaborative (TAC) and the Consortium for Citizens
with Disabilities (CCD) Housing Task Force. http://www.tacinc.org/media/22484/PricedOut2012.pdf
12
13
Area Median Income (AMI) is used to determine

income eligibility for affordable housing programs.
The AMI is set according to family size and varies by
region.
Extremely Low Income (ELI) refers to earning less
than 30% of AMI.
Housing Wage is the estimated full-time hourly
wage a household must earn to afford a decent rental
unit at HUD-estimated Fair Market Rent while
spending no more than 30% of their income on
housing costs.
Full-time work is defined as 2,080 hours per year
(40 hours each week for 52 weeks). The average
employee works roughly 34.5 hours per week,
according to the Bureau of Labor Statistics.
Fair Market Rent (FMR) is the 40th percentile
of gross rents for typical, non-substandard rental
units. FMRs are determined by HUD on an annual
basis, and reflect the cost of shelter and utilities.
FMRs are used to determine payment standards for
the Housing Choice Voucher program and Section 8
contracts.
Renter wage is the estimated hourly wage among
renters by region, based on 2012 Bureau of Labor
Statistics data, adjusted using the ratio of renter
income to the overall household income reported in
the ACS and projected to April 1, 2014.
5
WAGES INSUFFICIENT TO MEET RISING RENTS
Raising the Minimum Wage
The federal minimum wage continues to be just $7.25 per hour in 2014. The
inflation-adjusted value of the federal minimum wage has fallen by more than
a third from its peak and is currently about 20% less than it was in 1981.17 This
means that the federal minimum wage is not keeping up with the rising cost of
rent. The map on page 15 shows that while there are regional differences in the
gap between what one earns and how much housing costs, there is no state where
a full-time minimum wage worker can afford a modest two-bedroom rental home.
On average, it takes 2.6 full-time minimum wage jobs to afford a modest
two-bedroom unit in the United States. Even in states where the state minimum
wage exceeds the federal minimum wage, one full-time minimum wage job is
insufficient for a household to afford a two-bedroom unit. The mean number of
full-time jobs that a household must work at the prevailing state minimum wage
to afford a two-bedroom unit at Fair Market Rent (FMR) ranges from 1.4 jobs
(Puerto Rico) to 4.4 jobs (Hawaii).
This disparity exists for households in need of a one-bedroom unit as well. The
one-bedroom Housing Wage also exceeds the federal minimum wage in each
state. In fact, with the exception of a handful of counties in Washington and
Oregon (where the state minimum wage is $9.32 and $9.10, respectively), there
is no county in the U.S. where even a one-bedroom unit at FMR is affordable to a
full-time minimum wage worker.
Who are low-wage and minimum wage workers?
Low income service sector workers, including those earning the minimum wage,
compose a sizeable portion of the nations 10.2 million ELI renters. Overall job
growth has been heavily concentrated in low-wage industries, with 58% of new jobs
in the post-recession recovery period paying no more than $13.84 per hour.18 This
trend is likely to continue over the coming decade, with job growth between 2010
and 2020 projected to be dominated by low-wage jobs, such as home health aides.19
Minimum wages can be raised above the federal statute by a state or locality. As
of January 1, 2014, 13 states increased their minimum wage from the previous
year. Nine of these were those statutorily required to as their minimum wage is
linked to the Consumer Price Index (CPI). In addition, Connecticut, New Jersey,
New York, and Rhode Island increased their minimum wage. Residents of SeaTac,
Washington voted to increase its minimum wage to the highest in the country:
$15 an hour. Yet, these wages are still below what is needed to afford a decent
rental home in local markets. For example, San Franciscos minimum wage is
nearly $3 more than the federal minimum wage, yet it is three-and-a-half times
less than what is needed to afford a decent two-bedroom unit in this expensive
jurisdiction.
Raising the federal minimum wage has gained much attention in the past year. The
Fair Minimum Wage Act of 2013, a bill introduced by Senator Tom Harkin (D-IA)
in the U.S. Senate and Representative George Miller (D-CA) in the U.S. House of
Representatives, would raise the federal minimum wage to $10.10 per hour in
three increments over the next three-and-a-half years. The Harkin-Miller proposal
would also index the minimum wage to inflation to preserve its real value. In
his 2014 State of the Union address, President Barack Obama announced that
he would use his executive authority to raise the minimum wage for new federal
service contracts to $10.10 an hour.
While increasing the federal minimum wage would benefit millions of low income
workers, it would not solve the affordable housing problem as households would
still not earn enough to find affordable rental homes. The national 2014 twobedroom Housing Wage is nearly $9 higher than the proposed $10.10 federal
minimum wage. In fact, the 2014 two-bedroom Housing Wage is higher than
$10.10 in every state, and only in Arkansas, Kentucky, and Puerto Rico is the 2014
one-bedroom Housing Wage less than $10.10.
According to an analysis from the Economic Policy Institute, 78% of minimum wage
workers work at least 20 hours per week and 80% are at least 20 years old, dispelling
the myth that the majority of minimum wage workers are teenagers working parttime after school.20 Low income workers affected by a minimum wage increase are on
average age 35 years old, about 54% work full-time, about 69% come from families with
incomes less than $60,000, and more than a quarter have children.21
White House Office of the Press Secretary. (2014, January 28). Opportunity for All Rewarding Hard Work. Washington, DC: Author. http://1.usa.gov/1fk6cLg
National Employment Law Project. (2012, August). The low-wage recovery and growing inequality. Washington, DC: Author. www.nelp.org
19
Bureau of Labor Statistics. (2012, January). Occupations with the most job growth, 2010 and projected 2020. http://1.usa.gov/1gnuTF6
20
Cooper, D. (2012, January 4). Most minimum-wage workers are not teenagers. Washington, DC: Economic Policy Institute. http://bit.ly/1lWU0BI
21
Cooper, D. (2013, December 19). Raising the federal minimum wage to $10.10 would lift wages for millions and provide a modest economic boost. Washington, DC: Economic Policy Institute. http://www.epi.org/publication/raising-federal-minimum-wage-to-1010/
17
18
San Francisco, CA
San Jose, CA
Santa Fe, NM
Albuquerque, NM
Bernalillo County, NM
SeaTac, WA
$8.00
$8.00
$7.50
$7.50
$7.50
$9.32
$10.74
$10.15
$10.66
$8.60
$8.50
$15.00
$29.83
$24.87
$15.52
$12.60
$12.60
$17.56
$37.62
$31.71
$18.40
$15.42
$15.42
$21.60
http://www.santafenm.gov/news/detail/santa_fes_livin
HIGHER LOCAL MINIMUM WAGES NOT ENOUGH
TO SOLVE
AFFORDABLE HOUSING CRISIS
San Francisco, CA
San Jose, CA
$8.00
$10.74
$29.83
$37.62
$31.71
$7.50
Santa Fe, NM
Albuquerque, NM
Bernalillo County, NM
$10.66
The lack of decent, affordable housing is not solely an urban issue. In spite of lower
housing costs, rural Americans are increasingly facing a cost burden. Between
2000 and 2010, the number of cost burdened rural renter households increased
by ten percentage points, largely caused by the lack of affordable rental units in
rural areas. Many rural and tribal communities have minimal resources devoted
to the development of new rental housing. Furthermore, rural affordable housing
developers face unique challenges, such as limited access to capital financing.22
$15.52
$18.40
$7.50
$8.60
$12.60
$15.42
$7.50
$8.50
$12.60
$15.42
$9.32
SeaTac, WA
$15.00
$17.56
This graph was amended from the first publication to reflect only those known localities with
prevailing minimum wages higher than state s
$21.60
http://www.nmrestaurants.org/associations/1836/files/BernCo%20Minimum%20wage%20ordinance%20revisions%20031213.pdf
State Minimum Wage

3
1 BR Housing Wage
In 2014, the U.S. mean renter wage is $14.64, which is more than twice the federal
minimum wage ($7.25). However, the mean renter wage would need to be $4.00
more an hour in order to afford a two-bedroom unit. The national mean renter
wage is also insufficent to afford an average one-bedroom unit at Fair Market Rent
(FMR). Even for the average American renter, decent housing is still out of reach.
Housing costs vary across the nation, but the lack of affordable housing affects
renters in all corners of the country. Nationally, the two-bedroom Housing Wage
is highest in Hawaii, the District of Columbia, California, Maryland, New Jersey,
and New York, states known for high costs of living. Unsurprisingly, low income
renters in these high-cost metropolitan regions are not earning anywhere near
enough to afford market-rate rental units.
$8.00
$10.15
$24.87
AFFORDABILITY IS A NATIONAL CONCERN
Local Minimum Wage

2 BR Housing Wage
NOTES ON CHART:
(1) Out of Reach uses the state minimum wage to calculate the number of hours needed to afford an
apartment at Fair Market Rent.
(2) Local minimum wage amounts used in this chart are as of March 1, 2014. Due to a lack of
comprehensive data sources on local minimum wage rates across the United States, Out of Reach
does not include local minimum rates in its state files.
(3) Housing Wage calculations in this chart are based on the following statistical geographies:
San Francisco HMFA, San Jose-Sunnyvale-Santa Clara HMFA, Santa Fe MSA, Albuquerque MS,
Bernalillo County, and Seattle-Bellevue HMFA.
For each state, Out of Reach combines data for counties outside metropolitan areas
and calculates the Housing Wage for the rural communities within a state. The
2014 findings demonstrate that while housing costs are lower in rural areas, these
areas also generally have lower wages than metropolitan areas. To illustrate, Out
of Reach 2014 indicates that the two-bedroom Housing Wage on average across
nonmetropolitan America is $13.24, still exceeding the nonmetropolitan renter
wage ($10.24) by $3.00. At the state level, the nonmetropolitan two-bedroom
Housing Wage exceeds that states nonmetropolitan renter wage in all but two
states.
In both rural and urban America, renters are affected by the affordable housing
shortage, and rents are expected to continue to rise in coming years as the demand
grows. Over half of all renters (53%) are cost burdened, paying over 30% of
their income for housing, up 12% from a decade earlier. Renters with severe cost
burdens, paying more than 50% of their income on housing, account for much of
the increase.23
22
23
Housing Assistance Council. (2012). Taking stock: Rural people, poverty and housing in the 21st century. Washington, DC: Author.
Joint Center for Housing Studies. (2013a).
Source: NLIHC Out of Reach 2014 analysis, National Employment Law Project data on local minimum wages.
Compared to low income families living in housing they can afford, severely cost
burdened low income families spend about two-thirds as much on food, half as
much on clothing, one-fifth as much on health care, and half as much on pensions
and retirement.24 For many ELI households, homelessness and housing instability
are real threats.
THE NUMBERS IN THIS REPORT
In order to close the gap between the demand for affordable housing and the
supply, we need to add 4.4 million units affordable to ELI households. This is not
an unattainable goal. Once funded, the National Housing Trust Fund (NHTF)
would provide states with the dollars they need to expand the stock of housing
that is affordable to ELI households.
The Fair Market Rent (FMR) on which the Housing Wage is based is HUDs best
estimate of what a household seeking a modest rental unit in a short amount
of time can expect to pay for rent and utilities in the current market. Thus, the
FMR is an estimate of what a family moving today can expect to pay for a modest
rental home, not what current renters are paying on average. See Appendix B for
information on how HUD calculates the FMR.
STILL OUT OF REACH

The lack of decent housing affordable to low income households has remained
a pervasive national issue for over 25 years, affecting every single community
across the United States. Today, federal housing programs serve approximately
five million low income households, but the needs of many more households go
unmet. Low income, unassisted households often face housing instability, threats
of eviction, poor housing conditions, and great risk of homelessness. Ensuring
that each family has a safe and stable place to call home should be a public policy
priority. As the country continues its recovery from the recession, the time to
focus on expanding the supply of affordable housing is now.
In 2008, the National Housing Trust Fund (NHTF) was established precisely to
address the need for additional affordable housing to serve extremely low income
(ELI) households. Unlike other federal housing programs, the NHTF creates a
dedicated pool of funding not subject to the uncertainty of the annual budget
appropriations process. The NHTF is also uniquely designed to serve the lowest
income, most vulnerable households, with 90% of funding reserved for rental
housing and 75% of the funds reserved solely for ELI households.
As in past years, Out of Reach 2014 relies on data from HUD, the U.S. Census
Bureau, the Bureau of Labor Statistics, the Department of Labor, and the
Social Security Administration to make its case. See Appendix A for a detailed
explanation of data sources and methodologies.
Readers are cautioned against comparing statistics in one edition of Out of

Reach with those in another. In recent years, HUD has changed its methodology
for calculating FMRs and incomes. Since 2012, HUD has developed the FMR
estimates using American Community Survey (ACS) data as base rents, rather
than data from the Decennial Survey. The new methodology can introduce more
year-to-year variability into the data. For this reason and others (e.g., changes to
the metropolitan area definitions), readers should not compare this years data to
previous editions of Out of Reach and assume that differences reflect actual market
dynamics. Please consult the appendices and NLIHC research staff for assistance
interpreting changes in the data.
The data in this report and the additional materials and data can be found online
at www.nlihc.org/oor/2014.
The National Low Income Housing Coalition (NLIHC) remains focused on securing
funding for the NHTF. Once funded to scale, the NHTF will provide the real
solution our country needs to finally increase access to affordable housing for the
lowest income households.
24
Ibid.
We use Out of Reach every day, every year. It has become part of
the parlance of policy makers, providers, developers, the media, and
consumers. How often do I hear someone remark how many hours
you have to work to afford an apartment, or how far out of reach
rents are. We get extensive media coverage from it every year.
We send hundreds of people to the website to use it as a resource.
And it gets better every year. Out of Reach is a game changer.
ELIZABETH G. HERSH, EXECUTIVE DIRECTOR
HOUSING ALLIANCE OF PENNSYLVANIA
WHERE
THE
NUMBERS
COME
FROM
WHERE THE NUMBERS COME FROM
Divide income needed to
afford FMR ($39,360) by 52
(weeks per year) and then
by 40 (hours per work week)
($39,360 / 52 = $757; $757 /
40 = $18.92).
HUD FY14 estimated median

family income based on data
from 2008-2012 American
Community Survey (ACS).
UNITED STATES
$18.92
ACS (2008-2012).
HOUSING COSTS
2 BR
FMR
$984
Annual
income Full-time jobs
needed at minimum
to afford wage needed
2 BR to afford 2 BR
FMR
FMR
$39,360
2.6
AREA MEDIAN INCOME (AMI)
Annual
AMI 3
$65,687
Monthly
rent
affordable 4
at AMI
$1,642
30%
of AMI 5
$19,706
Monthly
rent
affordable
at 30%
of AMI
$493
Multiply Annual AMI by .3

($65,687 x .3 = $19,706).
Developed by HUD
annually (2014). See
Appendix B.
Multiply the FMR by 12 to get yearly rental cost
($984 x 12 = $11,808). Then divide by .3 to
determine the total income needed to afford
$11,808 per year in rent ($11,808 / .3 = $39,360).
Multiply 30% of Annual AMI by .3 to get

maximum amount that can be spent on
housing for it to be affordable ($19,706
x .3 = $5,912). Divide by 12 to obtain
monthly amount ($5,912/ 12 = $493).
RENTER HOUSEHOLDS
Renter
households
40,098,042
Monthly Full-time jobs

rent
at mean
Estimated affordable renter wage
% of total
hourly
at mean needed to
house- mean renter renter
afford 2 BR
holds
wage
wage
FMR
34%
$14.64
$761
1.3
Calculate annual income by

multiplying mean renter wage by 40
(hours per week) and 52 (weeks per
year) ($14.64 x 40 x 52 = $30,451).
Multiply by .3 to determine maximum
amount that can be spent on rent
($30,451 x .3 = $9,135). Divide by
12 to obtain monthly amount ($9135/
12 = $761).
Divide income needed to afford the

FMR by 52 (weeks per year)
($39,360 / 52 = $757). Then divide
by $7.25 (the Federal minimum
wage) ($757 / $7.25 = 104 hours).
Finally, divide by 40 (hours per work
week) (104 / 40 = 2.6 full-time jobs).
1: BR= Bedroom.
2: FMR = Fiscal Year 2014 Fair Market Rent (HUD, 2013).
3: AMI = Fiscal Year 2014 Area Median Income (HUD, 2013).
Average wage reported by the

Bureau of Labor Statistics
(BLS) for 2012, adjusted to
reflect the income of renter
households relative to all
households in the United
States, and projected to April
1, 2014. See Appendix A.
USERS GUIDE
FY14 HOUSING WAGE

Hourly wage
needed to
afford 2 BR1
FMR 2
Divide number of renter

households by total number of
households (ACS 2008-2012)
(40,098,042/116,443,205 = .34).
Then multiply by 100 (.34 x 100 =
34%).
Multiply Annual AMI by .3 to get maximum

amount that can be spent on housing for it
to be affordable ($65,687 x .3 = $19,706).
Divide by 12 to obtain monthly amount
($19,706 / 12 = $1,642).
Divide income needed to afford the FMR by

52 (weeks per year) ($39,360 / 52 = $757).
Then divide by $14.50 (The United States'
mean renter wage) ($757 / $14.50= 52
hours). Finally, divide by 40 (hours per work
week) (52/ 40 = 1.3 full-time jobs).
4: "Affordable" rents represent the generally accepted standard of

spending no more than 30% of gross income on rent and utilities.
5: The federal standard for extremely low income households. Does
not include HUD-specific adjustments.
10
HOW TO USE THE NUMBERS
HOW TO USE THE NUMBERS
Renter households
represented 34% of all
households in the United
States (2008-2012).
For a family earning 100% of AMI,

monthly rent of $1,642 or less is
affordable.
A renter household needs
to earn at least $18.92 per
hour in order to afford a twobedroom unit at FMR.
The annual median family income

(AMI) in the United States is
$65,687 (2014).
Hourly wage
needed to
afford 2 BR1
FMR 2
UNITED STATES
$18.92
HOUSING COSTS
2 BR
FMR
$984
Annual
income
needed
to afford
2 BR FMR
Full-time
jobs at
minimum
wage
needed to
afford 2 BR
FMR
$39,360
2.6
There were 40,098,042

renter households in the
United States (2008-2012).
Annual
AMI 3
$65,687
Monthly
rent
affordable 4
at AMI
RENTER HOUSEHOLDS
Full-time
Monthly
jobs at
Monthly
rent
mean renter
rent
affordable
wage
affordable Renter % of total Estimated at mean
needed to
30%
house- mean renter renter
at 30% houseafford 2 BR
of AMI5 of AMI
holds
wage
holds
wage
FMR
$1,642
$19,706 $493
40,098,042
34%
$14.64
$761
In the United States, an

extremely low income
family (30% of AMI) earns
$19,706 annually.
The FMR for a twobedroom rental unit in the

United States is $984
(2014).
A renter household needs an annual income of

$39,360 in order to afford a two-bedroom rental
unit at FMR.
For a family earning 30% of AMI,

monthly rent of $493 or less is
affordable.
A renter household needs 1.3 full-time jobs

paying the mean renter wage in order to
afford a two-bedroom rental unit at the FMR.
A renter household needs 2.6 fulltime jobs paying the minimum wage
in order to afford a two-bedroom
rental unit at FMR.
1:BR= Bedroom.
3: AMI = Fiscal Year 2014 Area Median Income (HUD, 2013)
If a household earns the mean

renter wage, monthly rent of
$761 or less is affordable.
1.3
USERS GUIDE
FY14 HOUSING WAGE
The estimated mean

(average) renter wage in the
United States is $14.64 per
hour (2014).
4: "Affordable" rents represent the generally accepted standard of

spending no more than 30% of gross income on rent and utilities.
5: The federal standard for extremely low income households. Does
not include HUD-specific adjustments.
11
2014 MOST EXPENSIVE JURISDICTIONS

MOST EXPENSIVE JURISDICTIONS
States
Metropolitan Areas
San Francisco, CA HMFA3
Honolulu, HI MSA4
San Jose-Sunnyvale-Santa Clara, CA HMFA
Orange County, CA HMFA
Nassau-Suffolk, NY HMFA
Santa Cruz-Watsonville, CA MSA
Oakland-Fremont, CA HMFA
Danbury, CT HMFA
Stamford-Norwalk, CT HMFA
Oxnard-Thousand Oaks-Ventura, CT MSA
$31.54
$28.25
$26.04
$24.94
$24.92
$24.87
$24.08
$23.02
$21.63
$20.93
Housing Wage for
Two-Bedroom FMR
$37.62
$35.00
$31.71
$31.62
$31.02
$30.71
$30.35
$30.31
$29.83
$28.44
Counties
Marin County, CA
San Francisco County, CA
San Mateo County, CA
Honolulu County, HI
Nantucket County, MA
Santa Clara County, CA
Orange County, CA
Nassau County, NY
Suffolk County, NY
Kauai County, HI
Combined Nonmetro Areas
Massachusetts
Hawaii
Alaska
Maryland
Connecticut
New Hampshire
California
Colorado
Vermont
Delaware
Housing Wage for

Two-Bedroom FMR
$37.62
$37.62
$37.62
$35.00
$34.60
$31.71
$31.62
$31.02
$31.02
$30.71
Housing Wage for
Two-Bedroom FMR
$29.73
$22.69
$19.27
$19.18
$18.47
$18.47
$17.93
$16.46
$16.11
$16.04
TABLES AND MAPS
Hawaii
District of Columbia
California
Maryland
New Jersey
New York
Massachusetts
Connecticut
Alaska
Virginia
Housing Wage for

Two-Bedroom FMR
Includes the District of Columbia.

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
area 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. CBSA is a collective term meaning both metro and micro
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.
1
2
12
2014 STATES RANKED BY

TWO-BEDROOM HOUSING WAGE
States are ranked from most expensive to least expensive.
STATES RANKED BY TWO BEDROOM HOUSING WAGE
1
2
Housing Wage for

State1
Two-Bedroom FMR2
Hawaii
$31.54
$28.25
California
$26.04
Maryland
$24.94
New Jersey
$24.92
New York
$24.87
Massachusetts
$24.08
Connecticut
$23.02
Alaska
$21.63
Virginia
$20.93
New Hampshire
$20.18
Delaware
$20.09
Florida
$19.39
Vermont
$19.36
Nevada
$19.25
Washington
$18.65
Rhode Island
$17.86
Colorado
$17.61
Arizona
$17.52
Illinois
$17.34
Pennsylvania
$17.33
Texas
$16.77
Minnesota
$16.46
Oregon
$16.28
Maine
$16.19
Georgia
$15.57
Rank
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
State
Louisiana
Utah
Michigan
New Mexico
Wyoming
Wisconsin
South Carolina
North Carolina
Kansas
Missouri
North Dakota
Indiana
Tennessee
Ohio
Mississippi
Montana
Nebraska
Idaho
Iowa
Oklahoma
Alabama
South Dakota
West Virginia
Kentucky
Arkansas
Puerto Rico
Housing Wage for

Two-Bedroom FMR
$15.45
$15.26
$15.08
$14.89
$14.77
$14.76
$14.55
$14.37
$14.34
$14.31
$14.19
$14.03
$14.02
$13.84
$13.59
$13.55
$13.49
$13.31
$13.26
$13.25
$13.13
$13.09
$12.80
$12.69
$12.56
$10.19
TABLES AND MAPS
Rank
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
Includes the District of Columbia and Puerto Rico.

FMR= Fair Market Rent
13
2014 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.
BETWEEN
$14.50-$21.75
TABLES AND MAPS
BELOW
$14.50
ABOVE
$21.75
14
2014 HOURS AT MINIMUM WAGE

NEEDED TO AFFORD RENT
In no state can a minimum wage worker afford a two-bedroom rental unit at Fair Market Rent,
working a standard 40-hour work week, without paying more than 30% of their income.
TABLES AND MAPS
80
81-97
98
HOURS
A WEEK
OR LESS
HOURS A WEEK
HOURS
A WEEK
OR MORE
* This states minimum wage

exceeds the federal minimum wage.
15
STATE SUMMARY
FY14 HOUSING WAGE
HOUSING COSTS
Hourly wage
needed to afford
2 BR 1FMR 2
Annual
Income
needed
to afford
2 BR FMR
2 BR FMR
Full-time jobs
at minimum
wage needed
to afford 2 BR
FMR
Annual
3
AMI
Monthly rent
4
affordable
at AMI
Monthly
rent
affordable
30%
at 30%
5
of AMI of AMI
RENTER HOUSEHOLDS
Estimated
hourly
Renter
% of total
mean
households households renter
(2008(2008wage
2012)
2012)
(2014)
Monthly
rent
affordable
at mean
renter
wage
Full-time jobs
at mean
renter wage
needed to
afford 2 BR
FMR
$13.13
$683
$27,305
1.8
$55,737
$1,393
$16,721
$418
548,252
30%
$11.10
$577
1.2
Alaska
$21.63
$1,125
$44,985
2.8
$79,522
$1,988
$23,857
$596
90,100
36%
$16.50
$858
1.3
Arizona
$17.52
$911
$36,447
2.2
$58,462
$1,462
$17,539
$438
812,439
34%
$14.54
$756
1.2
Arkansas
$12.56
$653
$26,115
1.7
$52,080
$1,302
$15,624
$391
369,983
33%
$11.07
$575
1.1
California
$26.04
$1,354
$54,168
3.3
$70,473
$1,762
$21,142
$529
5,487,934
44%
$18.50
$962
1.4
Colorado
$17.61
$916
$36,623
2.2
$73,407
$1,835
$22,022
$551
668,802
34%
$14.90
$775
1.2
Connecticut
$23.02
$1,197
$47,890
2.6
$88,290
$2,207
$26,487
$662
430,624
32%
$15.75
$819
1.5
Delaware
$20.09
$1,044
$41,778
2.8
$72,769
$1,819
$21,831
$546
91,288
27%
$15.01
$780
1.3
$28.25
$1,469
$58,760
3.4
$107,000
$2,675
$32,100
$803
150,339
58%
$25.52
$1,327
1.1
Florida
$19.39
$1,008
$40,335
2.4
$56,749
$1,419
$17,025
$426
2,281,613
32%
$13.73
$714
1.4
Georgia
$15.57
$809
$32,375
2.1
$58,090
$1,452
$17,427
$436
1,193,190
34%
$13.57
$705
1.1
Hawaii
$31.54
$1,640
$65,600
4.4
$77,463
$1,937
$23,239
$581
187,185
42%
$13.86
$721
2.3
Idaho
$13.31
$692
$27,695
1.8
$54,903
$1,373
$16,471
$412
172,785
30%
$10.54
$548
1.3
Illinois
$17.34
$902
$36,064
2.1
$68,973
$1,724
$20,692
$517
1,525,754
32%
$14.40
$749
1.2
Indiana
$14.03
$729
$29,172
1.9
$60,253
$1,506
$18,076
$452
729,048
29%
$11.62
$604
1.2
Iowa
$13.26
$689
$27,576
1.8
$66,830
$1,671
$20,049
$501
335,178
27%
$10.56
$549
1.3
Kansas
$14.34
$746
$29,825
2.0
$63,652
$1,591
$19,096
$477
352,609
32%
$11.93
$620
1.2
Kentucky
$12.69
$660
$26,393
1.8
$56,353
$1,409
$16,906
$423
529,509
31%
$11.00
$572
1.2
Louisiana
$15.45
$804
$32,145
2.1
$56,820
$1,421
$17,046
$426
553,534
33%
$12.71
$661
1.2
Maine
$16.19
$842
$33,671
2.2
$62,761
$1,569
$18,828
$471
154,463
28%
$9.99
$520
1.6
Maryland
$24.94
$1,297
$51,871
3.4
$90,654
$2,266
$27,196
$680
682,334
32%
$15.31
$796
1.6
Massachusetts
$24.08
$1,252
$50,090
3.0
$85,107
$2,128
$25,532
$638
929,735
37%
$17.47
$909
1.4
Michigan
$15.08
$784
$31,368
2.0
$61,708
$1,543
$18,512
$463
1,038,718
27%
$11.88
$618
1.3
Minnesota
$16.46
$856
$34,226
2.3
$75,703
$1,893
$22,711
$568
567,156
27%
$12.55
$653
1.3
Mississippi
$13.59
$707
$28,271
1.9
$48,972
$1,224
$14,692
$367
327,278
30%
$10.16
$529
1.3
Missouri
$14.31
$744
$29,755
1.9
$61,065
$1,527
$18,320
$458
731,881
31%
$12.15
$632
1.2
Montana
$13.55
$705
$28,183
1.7
$59,147
$1,479
$17,744
$444
127,692
31%
$10.81
$562
1.3
Nebraska
$13.49
$701
$28,059
1.9
$66,225
$1,656
$19,867
$497
233,286
32%
$10.90
$567
1.2
Nevada
$19.25
$1,001
$40,044
2.3
$59,724
$1,493
$17,917
$448
418,615
42%
$14.83
$771
1.3
New Hampshire
$20.18
$1,049
$41,971
2.8
$80,387
$2,010
$24,116
$603
144,824
28%
$13.35
$694
1.5
New Jersey
$24.92
$1,296
$51,838
3.0
$85,017
$2,125
$25,505
$638
1,078,712
34%
$16.34
$850
1.5
New Mexico
$14.89
$774
$30,979
2.0
$55,216
$1,380
$16,565
$414
237,349
31%
$12.08
$628
1.2
1: BR= Bedroom
2: FMR- Fiscal Year 2014 Fair Market Rent (HUD, 2013).
3: AMI = Fiscal Year 2014 Area Median Income.
TABLES AND MAPS
Alabama
3: "Affordable" rents represent the generally accepted standard of spending no more than 30% of gross income
on rent and utilities.
4: The federal standard for extremely low income households. Does not include HUD-specific adjustments.
16
STATE SUMMARY
FY14 HOUSING WAGE
HOUSING COSTS
Hourly wage
needed to afford
2 BR 1FMR 2
Annual
Income
needed
to afford
2 BR FMR
2 BR FMR
Full-time jobs
at minimum
wage needed
to afford 2 BR
FMR
Annual
3
AMI
Monthly rent
4
affordable
at AMI
RENTER HOUSEHOLDS
Monthly
rent
affordable
30%
at 30%
5
of AMI of AMI
Estimated
hourly
Renter
% of total
mean
households households renter
(2008(2008wage
2012)
2012)
(2014)
Monthly
rent
affordable
at mean
renter
wage
Full-time jobs
at mean
renter wage
needed to
afford 2 BR
FMR
$24.87
$1,293
$51,731
3.1
$72,134
$1,803
$21,640
$541
3,290,208
46%
$21.81
$1,134
1.1
$14.37
$747
$29,897
2.0
$57,753
$1,444
$17,326
$433
1,215,861
33%
$12.42
$646
1.2
North Dakota
$14.19
$738
$29,521
2.0
$68,741
$1,719
$20,622
$516
95,100
34%
$13.32
$692
1.1
Ohio
$13.84
$720
$28,796
1.7
$61,413
$1,535
$18,424
$461
1,457,426
32%
$11.56
$601
1.2
Oklahoma
$13.25
$689
$27,560
1.8
$56,368
$1,409
$16,910
$423
468,275
33%
$12.52
$651
1.1
Oregon
$16.28
$846
$33,858
1.8
$61,362
$1,534
$18,409
$460
566,894
37%
$13.06
$679
1.2
Pennsylvania
$17.33
$901
$36,048
2.4
$67,958
$1,699
$20,388
$510
1,481,031
30%
$13.23
$688
1.3
Puerto Rico
$10.19
$530
$21,191
1.4
$23,238
$581
$6,971
$174
356,053
29%
$6.68
$347
1.5
Rhode Island
$17.86
$928
$37,139
2.2
$73,695
$1,842
$22,109
$553
159,422
39%
$11.92
$620
1.5
South Carolina
$14.55
$756
$30,258
2.0
$54,984
$1,375
$16,495
$412
540,055
31%
$11.00
$572
1.3
South Dakota
$13.09
$680
$27,219
1.8
$64,284
$1,607
$19,285
$482
100,585
31%
$10.11
$526
1.3
Tennessee
$14.02
$729
$29,171
1.9
$55,309
$1,383
$16,593
$415
781,141
32%
$12.50
$650
1.1
Texas
$16.77
$872
$34,876
2.3
$61,566
$1,539
$18,470
$462
3,173,591
36%
$15.99
$832
1.0
Utah
$15.26
$794
$31,744
2.1
$66,690
$1,667
$20,007
$500
260,398
30%
$11.95
$621
1.3
Vermont
$19.36
$1,007
$40,272
2.2
$70,046
$1,751
$21,014
$525
74,086
29%
$11.24
$585
1.7
Virginia
$20.93
$1,088
$43,536
2.9
$78,430
$1,961
$23,529
$588
968,012
32%
$15.97
$830
1.3
Washington
$18.65
$970
$38,788
2.0
$74,071
$1,852
$22,221
$556
948,607
36%
$15.55
$808
1.2
West Virginia
$12.80
$665
$26,617
1.8
$52,670
$1,317
$15,801
$395
195,304
26%
$10.10
$525
1.3
Wisconsin
$14.76
$767
$30,697
2.0
$67,554
$1,689
$20,266
$507
717,964
31%
$11.42
$594
1.3
Wyoming
$14.77
$768
$30,716
2.0
$72,577
$1,814
$21,773
$544
65,820
30%
$13.62
$708
1.1
1: BR= Bedroom
2: FMR- Fiscal Year 2014 Fair Market Rent (HUD, 2013).
3: AMI = Fiscal Year 2014 Area Median Income.
TABLES AND MAPS
New York
North Carolina
3: "Affordable" rents represent the generally accepted standard of spending no more than 30% of gross income
on rent and utilities.
17
Alabama
In Alabama, the Fair Market Rent (FMR) for a two-bedroom apartment is $683. In order to afford this level of rent
and utilities without paying more than 30% of income on housing a household must earn $2,275 monthly or
$27,305 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a Housing
Wage of:
$13.13
In Alabama, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
apartment, a minimum wage earner must work 72 hours per week, 52 weeks per year. Or a household must include
1.8 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom FMR affordable.
In Alabama, the estimated mean (average) wage for a renter is $11.10. In order to afford the FMR for a two-bedroom
apartment at this wage, a renter must work 47 hours per week, 52 weeks per year. Or, working 40 hours per week
year-round, a household must include 1.2 workers earning the mean renter wage in order to make the two-bedroom
FMR affordable.
Monthly Rent Affordable to Selected Income Levels Compared
with Two-Bedroom FMR
$683
Two-Bedroom FMR
$1,393
Median Income Household

$577
Mean Renter Wage Earner

$418
Extremely Low Income Household
$265
Minimum Wage Earner
$306
SSI Recipient
$467
$377
Minimum Wage Earner

Supplementary Security Income
(SSI) Recipient
Gap between
Affordable Rent
and FMR
$106
$216
$0
$500
$1,000
$1,500
18
Alabama
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Alabama
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
income needed at minimum
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
Housholds households
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
hourly mean affordable at mean renter
renter wage at mean
wage needed to
(2014)
renter wage afford 2 BR FMR
$13.13
$683
$27,305
1.8
$55,737
$1,393
$16,721
$418
548,252
30%
$11.10
$577
1.2
$11.66
$607
$24,261
1.6
$49,598
$1,240
$14,879
$372
146,385
28%
$9.51
$494
1.2
Anniston-Oxford MSA
$13.06
$679
$27,160
1.8
$51,600
$1,290
$15,480
$387
13,815
30%
$8.96
$466
1.5
Auburn-Opelika MSA
$13.92
$724
$28,960
1.9
$59,700
$1,493
$17,910
$448
20,460
37%
$7.76
$403
1.8
Birmingham-Hoover HMFA
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
116,511
30%
$13.54
$704
1.1
Chilton County HMFA
$10.88
$566
$22,640
1.5
$53,100
$1,328
$15,930
$398
4,062
25%
$8.46
$440
1.3
Columbus MSA
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
7,958
38%
$11.71
$609
1.2
Decatur MSA
$11.44
$595
$23,800
1.6
$53,500
$1,338
$16,050
$401
15,823
27%
$11.02
$573
1.0
Dothan HMFA
$10.88
$566
$22,640
1.5
$51,700
$1,293
$15,510
$388
16,456
33%
$10.37
$539
1.0
Florence-Muscle Shoals MSA
$12.23
$636
$25,440
1.7
$52,100
$1,303
$15,630
$391
17,294
29%
$8.59
$447
1.4
Gadsden MSA
$11.46
$596
$23,840
1.6
$46,900
$1,173
$14,070
$352
11,263
28%
$9.90
$515
1.2
Henry County HMFA
$10.88
$566
$22,640
1.5
$50,600
$1,265
$15,180
$380
1,515
22%
$10.80
$561
1.0
Huntsville MSA
$13.25
$689
$27,560
1.8
$69,700
$1,743
$20,910
$523
46,497
29%
$12.04
$626
1.1
Mobile MSA
$14.81
$770
$30,800
2.0
$53,900
$1,348
$16,170
$404
51,583
33%
$11.16
$580
1.3
Montgomery MSA
$13.65
$710
$28,400
1.9
$59,600
$1,490
$17,880
$447
45,517
32%
$10.57
$550
1.3
Tuscaloosa MSA
$15.67
$815
$32,600
2.2
$54,400
$1,360
$16,320
$408
26,843
35%
$10.05
$523
1.6
Walker County HMFA
$10.88
$566
$22,640
1.5
$48,200
$1,205
$14,460
$362
6,270
24%
$9.58
$498
1.1
Autauga County
$13.65
$710
$28,400
1.9
$59,600
$1,490
$17,880
$447
4,446
22%
$9.66
$502
1.4
Baldwin County
$15.90
$827
$33,080
2.2
$68,800
$1,720
$20,640
$516
18,862
26%
$10.02
$521
1.6
Barbour County
$11.21
$583
$23,320
1.5
$44,700
$1,118
$13,410
$335
3,138
33%
$7.75
$403
1.4
Bibb County
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
1,407
19%
$8.37
$435
1.7
Blount County
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
3,974
19%
$8.00
$416
1.8
Bullock County
$10.88
$566
$22,640
1.5
$43,400
$1,085
$13,020
$326
849
23%
$5.53
$288
2.0
Butler County
$10.88
$566
$22,640
1.5
$40,300
$1,008
$12,090
$302
2,413
30%
$8.86
$460
1.2
Calhoun County
$13.06
$679
$27,160
1.8
$51,600
$1,290
$15,480
$387
13,815
30%
$8.96
$466
1.5
Chambers County
$11.85
$616
$24,640
1.6
$42,700
$1,068
$12,810
$320
4,195
31%
$8.89
$462
1.3
Cherokee County
$10.88
$566
$22,640
1.5
$49,100
$1,228
$14,730
$368
3,011
26%
$9.80
$509
1.1
Metropolitan Areas
Counties
1: BR = Bedroom
4: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on rent and utilities.
19
Alabama
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Chilton County
$10.88
$566
$22,640
1.5
$53,100
$1,328
$15,930
$398
4,062
25%
$8.46
$440
1.3
Choctaw County
$13.31
$692
$27,680
1.8
$43,800
$1,095
$13,140
$329
853
16%
$15.25
$793
0.9
Clarke County
$10.88
$566
$22,640
1.5
$49,100
$1,228
$14,730
$368
2,232
24%
$9.11
$473
1.2
Clay County
$10.88
$566
$22,640
1.5
$45,200
$1,130
$13,560
$339
1,416
25%
$7.50
$390
1.5
Cleburne County
$11.48
$597
$23,880
1.6
$46,200
$1,155
$13,860
$347
1,177
21%
$11.51
$599
1.0
Coffee County
$11.50
$598
$23,920
1.6
$58,900
$1,473
$17,670
$442
5,550
29%
$8.71
$453
1.3
Colbert County
$12.23
$636
$25,440
1.7
$52,100
$1,303
$15,630
$391
6,090
27%
$11.82
$615
1.0
Conecuh County
$10.88
$566
$22,640
1.5
$42,300
$1,058
$12,690
$317
967
20%
$5.53
$288
2.0
Coosa County
$10.88
$566
$22,640
1.5
$50,900
$1,273
$15,270
$382
743
16%
$9.39
$488
1.2
Covington County
$10.88
$566
$22,640
1.5
$43,500
$1,088
$13,050
$326
3,779
25%
$9.02
$469
1.2
Crenshaw County
$11.06
$575
$23,000
1.5
$52,800
$1,320
$15,840
$396
1,589
28%
$9.19
$478
1.2
Cullman County
$11.10
$577
$23,080
1.5
$55,200
$1,380
$16,560
$414
7,995
26%
$9.11
$474
1.2
Dale County
$10.88
$566
$22,640
1.5
$56,500
$1,413
$16,950
$424
7,726
39%
$15.49
$806
0.7
Dallas County
$10.88
$566
$22,640
1.5
$39,200
$980
$11,760
$294
6,132
38%
$8.80
$458
1.2
DeKalb County
$11.33
$589
$23,560
1.6
$42,600
$1,065
$12,780
$320
5,932
23%
$8.45
$439
1.3
Elmore County
$13.65
$710
$28,400
1.9
$59,600
$1,490
$17,880
$447
6,370
23%
$8.59
$447
1.6
Escambia County
$10.88
$566
$22,640
1.5
$42,500
$1,063
$12,750
$319
3,823
28%
$10.88
$566
1.0
Etowah County
$11.46
$596
$23,840
1.6
$46,900
$1,173
$14,070
$352
11,263
28%
$9.90
$515
1.2
Fayette County
$10.88
$566
$22,640
1.5
$45,300
$1,133
$13,590
$340
1,759
25%
$6.45
$335
1.7
Franklin County
$11.02
$573
$22,920
1.5
$49,300
$1,233
$14,790
$370
3,769
30%
$8.82
$459
1.2
Geneva County
$10.88
$566
$22,640
1.5
$51,700
$1,293
$15,510
$388
3,163
29%
$8.01
$417
1.4
Greene County
$15.67
$815
$32,600
2.2
$54,400
$1,360
$16,320
$408
966
30%
$9.35
$486
1.7
Hale County
$15.67
$815
$32,600
2.2
$54,400
$1,360
$16,320
$408
1,427
24%
$9.63
$501
1.6
Henry County
$10.88
$566
$22,640
1.5
$50,600
$1,265
$15,180
$380
1,515
22%
$10.80
$561
1.0
Houston County
$10.88
$566
$22,640
1.5
$51,700
$1,293
$15,510
$388
13,293
34%
$10.59
$551
1.0
Jackson County
$10.88
$566
$22,640
1.5
$48,500
$1,213
$14,550
$364
5,122
24%
$8.47
$441
1.3
Jefferson County
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
90,216
35%
$14.14
$735
1.0
Lamar County
$10.88
$566
$22,640
1.5
$45,700
$1,143
$13,710
$343
1,715
28%
$9.15
$476
1.2
Lauderdale County
$12.23
$636
$25,440
1.7
$52,100
$1,303
$15,630
$391
11,204
29%
$6.42
$334
1.9
Lawrence County
$11.44
$595
$23,800
1.6
$53,500
$1,338
$16,050
$401
2,732
20%
$13.16
$684
0.9
Lee County
$13.92
$724
$28,960
1.9
$59,700
$1,493
$17,910
$448
20,460
37%
$7.76
$403
1.8
1: BR = Bedroom
20
Alabama
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Limestone County
$13.25
$689
$27,560
1.8
$69,700
$1,743
$20,910
$523
7,126
23%
$10.50
$546
1.3
Lowndes County
$13.65
$710
$28,400
1.9
$59,600
$1,490
$17,880
$447
1,093
26%
$13.24
$688
1.0
Macon County
$10.88
$566
$22,640
1.5
$45,200
$1,130
$13,560
$339
2,631
33%
$7.13
$371
1.5
Madison County
$13.25
$689
$27,560
1.8
$69,700
$1,743
$20,910
$523
39,371
30%
$12.21
$635
1.1
Marengo County
$10.88
$566
$22,640
1.5
$47,800
$1,195
$14,340
$359
2,468
29%
$9.27
$482
1.2
Marion County
$10.88
$566
$22,640
1.5
$42,700
$1,068
$12,810
$320
3,155
25%
$9.06
$471
1.2
Marshall County
$10.92
$568
$22,720
1.5
$48,100
$1,203
$14,430
$361
9,624
28%
$8.72
$454
1.3
Mobile County
$14.81
$770
$30,800
2.0
$53,900
$1,348
$16,170
$404
51,583
33%
$11.16
$580
1.3
Monroe County
$10.88
$566
$22,640
1.5
$39,600
$990
$11,880
$297
2,136
25%
$9.55
$497
1.1
Montgomery County
$13.65
$710
$28,400
1.9
$59,600
$1,490
$17,880
$447
33,608
38%
$10.90
$567
1.3
Morgan County
$11.44
$595
$23,800
1.6
$53,500
$1,338
$16,050
$401
13,091
28%
$10.77
$560
1.1
Perry County
$10.88
$566
$22,640
1.5
$32,500
$813
$9,750
$244
1,317
38%
$7.31
$380
1.5
Pickens County
$10.88
$566
$22,640
1.5
$41,800
$1,045
$12,540
$314
2,296
29%
$7.65
$398
1.4
Pike County
$10.88
$566
$22,640
1.5
$45,300
$1,133
$13,590
$340
5,655
44%
$10.20
$530
1.1
Randolph County
$11.77
$612
$24,480
1.6
$47,300
$1,183
$14,190
$355
2,351
27%
$6.77
$352
1.7
Russell County
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
7,958
38%
$11.71
$609
1.2
Shelby County
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
15,017
20%
$12.76
$664
1.1
St. Clair County
$14.29
$743
$29,720
2.0
$61,000
$1,525
$18,300
$458
5,897
19%
$8.84
$460
1.6
Sumter County
$10.88
$566
$22,640
1.5
$30,300
$758
$9,090
$227
1,739
35%
$8.26
$430
1.3
1.0
Talladega County
$10.88
$566
$22,640
1.5
$42,000
$1,050
$12,600
$315
9,455
30%
$11.38
$592
Tallapoosa County
$11.02
$573
$22,920
1.5
$48,900
$1,223
$14,670
$367
4,541
28%
$8.76
$456
1.3
Tuscaloosa County
$15.67
$815
$32,600
2.2
$54,400
$1,360
$16,320
$408
24,450
36%
$10.08
$524
1.6
Walker County
$10.88
$566
$22,640
1.5
$48,200
$1,205
$14,460
$362
6,270
24%
$9.58
$498
1.1
Washington County
$10.88
$566
$22,640
1.5
$56,100
$1,403
$16,830
$421
984
15%
$12.93
$672
0.8
Wilcox County
$10.88
$566
$22,640
1.5
$27,900
$698
$8,370
$209
795
22%
$8.46
$440
1.3
Winston County
$10.88
$566
$22,640
1.5
$42,000
$1,050
$12,600
$315
2,491
26%
$7.95
$414
1.4
1: BR = Bedroom
21
Alaska
In Alaska, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,125. In order to afford this level of rent
Wage of:
$21.63
In Alaska, a minimum wage worker earns an hourly wage of $7.75. In order to afford the FMR for a two-bedroom
In Alaska, the estimated mean (average) wage for a renter is $16.50. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$267
$1,125
Two-Bedroom FMR
$1,988

$858
$596
$529
Minimum Wage Earner
$722
SSI Recipient
$909
$403
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
$2,500
22
Alaska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Alaska
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$21.63
$1,125
$44,985
2.8
$79,522
$1,988
$23,857
$596
90,100
36%
$16.50
$858
1.3
$19.27
$1,002
$40,090
2.5
$75,686
$1,892
$22,706
$568
28,115
35%
$20.05
$1,043
1.0
Anchorage HMFA
$22.04
$1,146
$45,840
2.8
$84,900
$2,123
$25,470
$637
40,799
39%
$15.57
$810
1.4
Fairbanks MSA
$25.50
$1,326
$53,040
3.3
$73,200
$1,830
$21,960
$549
14,252
40%
$14.20
$738
1.8
Matanuska-Susitna Borough HMFA
$20.79
$1,081
$43,240
2.7
$78,500
$1,963
$23,550
$589
6,934
22%
$9.86
$513
2.1
Aleutians East Borough
$13.71
$713
$28,520
1.8
$63,900
$1,598
$19,170
$479
169
43%
$15.21
$791
0.9
Aleutians West Census Area
$27.62
$1,436
$57,440
3.6
$80,700
$2,018
$24,210
$605
660
67%
$19.90
$1,035
1.4
Anchorage Municipality
$22.04
$1,146
$45,840
2.8
$84,900
$2,123
$25,470
$637
40,799
39%
$15.57
$810
1.4
Bethel Census Area
$22.77
$1,184
$47,360
2.9
$58,800
$1,470
$17,640
$441
1,521
35%
$17.67
$919
1.3
Bristol Bay Borough
$19.42
$1,010
$40,400
2.5
$97,300
$2,433
$29,190
$730
168
45%
$15.86
$825
1.2
Denali Borough
$12.25
$637
$25,480
1.6
$91,300
$2,283
$27,390
$685
219
31%
$17.59
$915
0.7
Dillingham Census Area
$19.85
$1,032
$41,280
2.6
$65,300
$1,633
$19,590
$490
520
39%
$16.39
$852
1.2
Fairbanks North Star Borough
$25.50
$1,326
$53,040
3.3
$73,200
$1,830
$21,960
$549
14,252
40%
$14.20
$738
1.8
Haines Borough
$15.73
$818
$32,720
2.0
$69,900
$1,748
$20,970
$524
375
33%
$12.70
$660
1.2
Hoonah-Angoon Census Area
$14.02
$729
$29,160
1.8
$58,200
$1,455
$17,460
$437
352
35%
$8.91
$463
1.6
Juneau City and Borough
$23.42
$1,218
$48,720
3.0
$95,100
$2,378
$28,530
$713
4,591
37%
$13.49
$701
1.7
Kenai Peninsula Borough
$15.88
$826
$33,040
2.0
$76,100
$1,903
$22,830
$571
5,673
26%
$12.44
$647
1.3
Ketchikan Gateway Borough
$18.56
$965
$38,600
2.4
$85,100
$2,128
$25,530
$638
2,314
43%
$12.73
$662
1.5
Kodiak Island Borough
$19.67
$1,023
$40,920
2.5
$71,000
$1,775
$21,300
$533
1,979
44%
$14.58
$758
1.3
Lake and Peninsula Borough
$13.65
$710
$28,400
1.8
$57,400
$1,435
$17,220
$431
224
39%
$15.82
$822
0.9
Matanuska-Susitna Borough
$20.79
$1,081
$43,240
2.7
$78,500
$1,963
$23,550
$589
6,934
22%
$9.86
$513
2.1
Nome Census Area
$26.15
$1,360
$54,400
3.4
$53,200
$1,330
$15,960
$399
1,267
46%
$19.73
$1,026
1.3
North Slope Borough
$18.00
$936
$37,440
2.3
$87,800
$2,195
$26,340
$659
1,098
55%
$46.20
$2,402
0.4
Northwest Arctic Borough
$21.94
$1,141
$45,640
2.8
$58,000
$1,450
$17,400
$435
820
45%
$35.35
$1,838
0.6
Petersburg Census Area, Alaska
$15.92
$828
$33,120
2.1
$90,000
$2,250
$27,000
$675
477
29%
$9.57
$498
1.7
Prince of Wales-Hyder Census Area
$13.94
$725
$29,000
1.8
$54,500
$1,363
$16,350
$409
699
31%
$13.70
$712
1.0
Sitka City and Borough, Alaska
$21.81
$1,134
$45,360
2.8
$78,700
$1,968
$23,610
$590
1,581
44%
$12.72
$661
1.7
Metropolitan Areas
Counties
1: BR = Bedroom
23
Alaska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Skagway Municipality Census Area
$21.52
$1,119
$44,760
2.8
$91,700
$2,293
$27,510
$688
151
38%
$14.35
$746
1.5
Southeast Fairbanks Census Area
$17.81
$926
$37,040
2.3
$64,200
$1,605
$19,260
$482
820
34%
$34.51
$1,795
0.5
Valdez-Cordova Census Area
$16.50
$858
$34,320
2.1
$90,900
$2,273
$27,270
$682
870
23%
$14.20
$738
1.2
Wade Hampton Census Area
$13.96
$726
$29,040
1.8
$41,700
$1,043
$12,510
$313
533
31%
$13.39
$696
1.0
Wrangell City and Borough Census Area
$15.46
$804
$32,160
2.0
$57,000
$1,425
$17,100
$428
302
26%
$7.64
$397
2.0
Yakutat City and Borough
$13.75
$715
$28,600
1.8
$84,500
$2,113
$25,350
$634
140
54%
$11.67
$607
1.2
Yukon-Koyukuk Census Area
$13.65
$710
$28,400
1.8
$51,400
$1,285
$15,420
$386
592
29%
$22.04
$1,146
0.6
1: BR = Bedroom
24
Arizona
In Arizona, the Fair Market Rent (FMR) for a two-bedroom apartment is $911. In order to afford this level of rent
Wage of:
$17.52
In Arizona, a minimum wage worker earns an hourly wage of $7.90. In order to afford the FMR for a two-bedroom
In Arizona, the estimated mean (average) wage for a renter is $14.54. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$155
$911
Two-Bedroom FMR
$1,462

$756

$438
$473
Minimum Wage Earner
$500
SSI Recipient
$695
$411
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
25
Arizona
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Arizona
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$17.52
$911
$36,447
2.2
$58,462
$1,462
$17,539
$438
812,439
34%
$14.54
$756
1.2
$13.83
$719
$28,774
1.8
$46,842
$1,171
$14,052
$351
46,429
29%
$13.38
$696
1.0
Flagstaff MSA
$19.63
$1,021
$40,840
2.5
$57,900
$1,448
$17,370
$434
17,927
39%
$11.53
$600
1.7
Lake Havasu City-Kingman MSA
$14.40
$749
$29,960
1.8
$44,400
$1,110
$13,320
$333
24,060
30%
$11.84
$615
1.2
Phoenix-Mesa-Scottsdale MSA *
$18.40
$957
$38,280
2.3
$61,900
$1,548
$18,570
$464
536,636
35%
$15.43
$802
1.2
Prescott MSA
$15.08
$784
$31,360
1.9
$54,800
$1,370
$16,440
$411
26,682
29%
$11.59
$602
1.3
Tucson MSA *
$16.38
$852
$34,080
2.1
$56,300
$1,408
$16,890
$422
139,370
36%
$12.04
$626
1.4
Yuma MSA
$15.62
$812
$32,480
2.0
$43,600
$1,090
$13,080
$327
21,335
30%
$10.29
$535
1.5
Apache County
$12.25
$637
$25,480
1.6
$42,500
$1,063
$12,750
$319
4,522
24%
$17.35
$902
0.7
Cochise County
$15.92
$828
$33,120
2.0
$51,900
$1,298
$15,570
$389
15,477
31%
$13.20
$687
1.2
Coconino County
$19.63
$1,021
$40,840
2.5
$57,900
$1,448
$17,370
$434
17,927
39%
$11.53
$600
1.7
Gila County
$13.90
$723
$28,920
1.8
$48,400
$1,210
$14,520
$363
4,751
23%
$12.26
$637
1.1
Graham County
$12.42
$646
$25,840
1.6
$52,800
$1,320
$15,840
$396
2,745
25%
$11.59
$603
1.1
Greenlee County
$12.25
$637
$25,480
1.6
$54,500
$1,363
$16,350
$409
1,841
55%
$34.93
$1,816
0.4
La Paz County
$12.75
$663
$26,520
1.6
$39,900
$998
$11,970
$299
2,726
26%
$9.95
$517
1.3
Maricopa County *
$18.40
$957
$38,280
2.3
$61,900
$1,548
$18,570
$464
507,455
36%
$15.51
$807
1.2
Mohave County
$14.40
$749
$29,960
1.8
$44,400
$1,110
$13,320
$333
24,060
30%
$11.84
$615
1.2
Navajo County
$12.71
$661
$26,440
1.6
$41,500
$1,038
$12,450
$311
9,638
28%
$11.80
$614
1.1
Pima County *
$16.38
$852
$34,080
2.1
$56,300
$1,408
$16,890
$422
139,370
36%
$12.04
$626
1.4
Pinal County *
$18.40
$957
$38,280
2.3
$61,900
$1,548
$18,570
$464
29,181
24%
$12.13
$631
1.5
Santa Cruz County
$12.79
$665
$26,600
1.6
$44,700
$1,118
$13,410
$335
4,729
34%
$8.94
$465
1.4
Yavapai County
$15.08
$784
$31,360
1.9
$54,800
$1,370
$16,440
$411
26,682
29%
$11.59
$602
1.3
Yuma County
$15.62
$812
$32,480
2.0
$43,600
$1,090
$13,080
$327
21,335
30%
$10.29
$535
1.5
Metropolitan Areas
Counties
* 50th percentile FMR (See Appendix A).
1: BR = Bedroom
26
Arkansas
In Arkansas, the Fair Market Rent (FMR) for a two-bedroom apartment is $653. In order to afford this level of rent
Wage of:
$12.56
In Arkansas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Arkansas, the estimated mean (average) wage for a renter is $11.07. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$78
$653
Two-Bedroom FMR
$1,302

$575

$391
$262
Minimum Wage Earner
$377
Minimum Wage Earner
$276
SSI Recipient
$437

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
27
Arkansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Arkansas
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$12.56
$653
$26,115
1.7
$52,080
$1,302
$15,624
$391
369,983
33%
$11.07
$575
1.1
$11.06
$575
$23,011
1.5
$46,110
$1,153
$13,833
$346
133,534
29%
$9.51
$494
1.2
Fayetteville-Springdale-Rogers HMFA
$13.17
$685
$27,400
1.8
$59,500
$1,488
$17,850
$446
60,541
37%
$14.02
$729
0.9
Fort Smith HMFA
$11.54
$600
$24,000
1.6
$46,800
$1,170
$14,040
$351
23,984
33%
$10.53
$547
1.1
Franklin County HMFA
$10.79
$561
$22,440
1.5
$43,000
$1,075
$12,900
$323
1,685
25%
$10.42
$542
1.0
Grant County HMFA
$10.79
$561
$22,440
1.5
$62,500
$1,563
$18,750
$469
1,337
20%
$9.88
$514
1.1
Hot Springs MSA
$15.13
$787
$31,480
2.1
$45,200
$1,130
$13,560
$339
11,973
30%
$9.78
$508
1.5
Jonesboro HMFA
$11.81
$614
$24,560
1.6
$52,200
$1,305
$15,660
$392
15,110
40%
$9.36
$486
1.3
Little Rock-North Little Rock-Conway HMFA
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
92,823
35%
$11.79
$613
1.2
Memphis HMFA
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
7,825
42%
$9.88
$514
1.5
Pine Bluff MSA
$12.52
$651
$26,040
1.7
$51,600
$1,290
$15,480
$387
12,087
34%
$9.93
$516
1.3
Poinsett County HMFA
$10.79
$561
$22,440
1.5
$39,000
$975
$11,700
$293
3,422
37%
$9.36
$487
1.2
Texarkana MSA
$13.54
$704
$28,160
1.9
$53,300
$1,333
$15,990
$400
5,662
34%
$10.58
$550
1.3
Arkansas County
$11.19
$582
$23,280
1.5
$52,200
$1,305
$15,660
$392
2,554
32%
$10.95
$569
1.0
Ashley County
$10.79
$561
$22,440
1.5
$49,900
$1,248
$14,970
$374
2,168
25%
$9.90
$515
1.1
Baxter County
$11.46
$596
$23,840
1.6
$46,100
$1,153
$13,830
$346
4,119
23%
$8.88
$462
1.3
Benton County
$13.17
$685
$27,400
1.8
$59,500
$1,488
$17,850
$446
25,363
31%
$15.90
$827
0.8
Boone County
$10.79
$561
$22,440
1.5
$48,800
$1,220
$14,640
$366
3,989
27%
$10.54
$548
1.0
Bradley County
$10.79
$561
$22,440
1.5
$42,100
$1,053
$12,630
$316
1,506
31%
$9.78
$509
1.1
Calhoun County
$10.79
$561
$22,440
1.5
$41,000
$1,025
$12,300
$308
413
20%
$18.62
$968
0.6
Carroll County
$12.21
$635
$25,400
1.7
$44,600
$1,115
$13,380
$335
3,212
28%
$9.30
$484
1.3
Chicot County
$10.79
$561
$22,440
1.5
$34,900
$873
$10,470
$262
1,522
32%
$8.66
$451
1.2
Clark County
$10.90
$567
$22,680
1.5
$50,400
$1,260
$15,120
$378
2,770
34%
$8.89
$462
1.2
Clay County
$10.79
$561
$22,440
1.5
$42,200
$1,055
$12,660
$317
1,793
26%
$7.92
$412
1.4
Cleburne County
$11.21
$583
$23,320
1.5
$49,100
$1,228
$14,730
$368
2,419
23%
$9.74
$506
1.2
Cleveland County
$12.52
$651
$26,040
1.7
$51,600
$1,290
$15,480
$387
712
22%
$7.53
$392
1.7
Columbia County
$10.79
$561
$22,440
1.5
$49,100
$1,228
$14,730
$368
2,731
29%
$8.15
$424
1.3
Metropolitan Areas
Counties
1: BR = Bedroom
28
Arkansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Conway County
$11.92
$620
$24,800
1.6
$50,600
$1,265
$15,180
$380
2,160
26%
$9.64
$501
1.2
Craighead County
$11.81
$614
$24,560
1.6
$52,200
$1,305
$15,660
$392
15,110
40%
$9.36
$486
1.3
Crawford County
$11.54
$600
$24,000
1.6
$46,800
$1,170
$14,040
$351
6,373
27%
$8.95
$465
1.3
Crittenden County
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
7,825
42%
$9.88
$514
1.5
Cross County
$11.48
$597
$23,880
1.6
$48,700
$1,218
$14,610
$365
2,196
32%
$9.77
$508
1.2
Dallas County
$10.79
$561
$22,440
1.5
$40,000
$1,000
$12,000
$300
970
31%
$7.53
$392
1.4
Desha County
$10.79
$561
$22,440
1.5
$45,500
$1,138
$13,650
$341
2,313
43%
$8.10
$421
1.3
Drew County
$10.79
$561
$22,440
1.5
$44,700
$1,118
$13,410
$335
2,726
36%
$9.29
$483
1.2
Faulkner County
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
14,713
35%
$10.72
$558
1.3
Franklin County
$10.79
$561
$22,440
1.5
$43,000
$1,075
$12,900
$323
1,685
25%
$10.42
$542
1.0
Fulton County
$10.79
$561
$22,440
1.5
$40,800
$1,020
$12,240
$306
1,066
22%
$6.20
$323
1.7
Garland County
$15.13
$787
$31,480
2.1
$45,200
$1,130
$13,560
$339
11,973
30%
$9.78
$508
1.5
Grant County
$10.79
$561
$22,440
1.5
$62,500
$1,563
$18,750
$469
1,337
20%
$9.88
$514
1.1
Greene County
$11.85
$616
$24,640
1.6
$50,000
$1,250
$15,000
$375
5,921
36%
$9.74
$506
1.2
Hempstead County
$10.79
$561
$22,440
1.5
$45,500
$1,138
$13,650
$341
2,768
32%
$10.11
$526
1.1
Hot Spring County
$10.79
$561
$22,440
1.5
$49,200
$1,230
$14,760
$369
3,357
27%
$9.50
$494
1.1
Howard County
$10.79
$561
$22,440
1.5
$44,500
$1,113
$13,350
$334
1,805
35%
$8.90
$463
1.2
Independence County
$10.94
$569
$22,760
1.5
$45,500
$1,138
$13,650
$341
4,287
29%
$9.37
$487
1.2
Izard County
$10.79
$561
$22,440
1.5
$41,800
$1,045
$12,540
$314
1,321
23%
$8.34
$434
1.3
Jackson County
$10.79
$561
$22,440
1.5
$41,200
$1,030
$12,360
$309
1,958
30%
$8.41
$437
1.3
Jefferson County
$12.52
$651
$26,040
1.7
$51,600
$1,290
$15,480
$387
10,168
36%
$10.10
$525
1.2
Johnson County
$11.15
$580
$23,200
1.5
$44,300
$1,108
$13,290
$332
3,092
32%
$8.86
$461
1.3
Lafayette County
$10.79
$561
$22,440
1.5
$38,700
$968
$11,610
$290
739
27%
$7.15
$372
1.5
Lawrence County
$10.79
$561
$22,440
1.5
$42,400
$1,060
$12,720
$318
1,901
29%
$7.55
$393
1.4
Lee County
$10.79
$561
$22,440
1.5
$35,200
$880
$10,560
$264
1,336
39%
$8.37
$435
1.3
Lincoln County
$12.52
$651
$26,040
1.7
$51,600
$1,290
$15,480
$387
1,207
29%
$8.55
$445
1.5
Little River County
$11.90
$619
$24,760
1.6
$52,000
$1,300
$15,600
$390
1,034
20%
$12.73
$662
0.9
Logan County
$10.79
$561
$22,440
1.5
$50,500
$1,263
$15,150
$379
1,924
23%
$8.60
$447
1.3
Lonoke County
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
6,526
26%
$8.09
$421
1.8
Madison County
$13.17
$685
$27,400
1.8
$59,500
$1,488
$17,850
$446
1,492
25%
$9.29
$483
1.4
Marion County
$10.79
$561
$22,440
1.5
$42,300
$1,058
$12,690
$317
1,332
19%
$7.97
$414
1.4
1: BR = Bedroom
29
Arkansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Miller County
$13.54
$704
$28,160
1.9
$53,300
$1,333
$15,990
$400
5,662
34%
$10.58
$550
1.3
Mississippi County
$10.81
$562
$22,480
1.5
$42,500
$1,063
$12,750
$319
7,078
41%
$14.00
$728
0.8
Monroe County
$10.79
$561
$22,440
1.5
$35,900
$898
$10,770
$269
1,264
37%
$7.54
$392
1.4
Montgomery County
$10.79
$561
$22,440
1.5
$49,300
$1,233
$14,790
$370
750
20%
$6.71
$349
1.6
Nevada County
$10.79
$561
$22,440
1.5
$45,500
$1,138
$13,650
$341
1,024
27%
$7.57
$394
1.4
Newton County
$10.79
$561
$22,440
1.5
$39,300
$983
$11,790
$295
590
17%
$4.87
$253
2.2
Ouachita County
$10.79
$561
$22,440
1.5
$46,500
$1,163
$13,950
$349
3,475
32%
$9.61
$500
1.1
Perry County
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
694
17%
$7.16
$372
2.0
Phillips County
$10.79
$561
$22,440
1.5
$35,400
$885
$10,620
$266
3,667
44%
$8.95
$465
1.2
Pike County
$10.79
$561
$22,440
1.5
$42,700
$1,068
$12,810
$320
1,183
27%
$8.28
$431
1.3
Poinsett County
$10.79
$561
$22,440
1.5
$39,000
$975
$11,700
$293
3,422
37%
$9.36
$487
1.2
Polk County
$10.79
$561
$22,440
1.5
$40,500
$1,013
$12,150
$304
1,800
22%
$8.74
$454
1.2
Pope County
$11.33
$589
$23,560
1.6
$48,900
$1,223
$14,670
$367
6,954
31%
$9.28
$483
1.2
Prairie County
$10.79
$561
$22,440
1.5
$45,600
$1,140
$13,680
$342
1,017
27%
$7.35
$382
1.5
Pulaski County
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
61,781
40%
$12.47
$648
1.1
Randolph County
$10.79
$561
$22,440
1.5
$48,600
$1,215
$14,580
$365
1,717
24%
$5.60
$291
1.9
Saline County
$14.21
$739
$29,560
2.0
$60,100
$1,503
$18,030
$451
9,109
22%
$8.79
$457
1.6
Scott County
$10.81
$562
$22,480
1.5
$43,900
$1,098
$13,170
$329
1,108
26%
$7.40
$385
1.5
Searcy County
$10.79
$561
$22,440
1.5
$37,800
$945
$11,340
$284
840
25%
$5.22
$271
2.1
Sebastian County
$11.54
$600
$24,000
1.6
$46,800
$1,170
$14,040
$351
17,611
36%
$10.98
$571
1.1
Sevier County
$10.79
$561
$22,440
1.5
$42,400
$1,060
$12,720
$318
1,693
29%
$8.59
$447
1.3
Sharp County
$10.79
$561
$22,440
1.5
$40,300
$1,008
$12,090
$302
1,199
17%
$7.12
$370
1.5
St. Francis County
$10.79
$561
$22,440
1.5
$32,900
$823
$9,870
$247
4,077
44%
$9.07
$472
1.2
Stone County
$10.81
$562
$22,480
1.5
$38,600
$965
$11,580
$290
1,193
23%
$7.29
$379
1.5
Union County
$11.92
$620
$24,800
1.6
$49,000
$1,225
$14,700
$368
4,999
30%
$11.37
$591
1.0
Van Buren County
$10.79
$561
$22,440
1.5
$44,400
$1,110
$13,320
$333
1,636
23%
$9.37
$487
1.2
Washington County
$13.17
$685
$27,400
1.8
$59,500
$1,488
$17,850
$446
33,686
43%
$12.04
$626
1.1
White County
$11.25
$585
$23,400
1.6
$59,600
$1,490
$17,880
$447
9,090
31%
$9.25
$481
1.2
Woodruff County
$10.79
$561
$22,440
1.5
$39,000
$975
$11,700
$293
1,271
40%
$8.29
$431
1.3
Yell County
$10.79
$561
$22,440
1.5
$43,100
$1,078
$12,930
$323
2,507
32%
$6.75
$351
1.6
1: BR = Bedroom
30
California
In California, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,354. In order to afford this level of rent
Wage of:
$26.04
In California, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a two-bedroom
In California, the estimated mean (average) wage for a renter is $18.50. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 56 hours per week, 52 weeks per year. Or, working 40 hours per
week year-round, a household must include 1.4 workers earning the mean renter wage in order to make the twobedroom FMR affordable.
Gap between
Affordable Rent
and FMR
$392
$1,354
Two-Bedroom FMR
$1,762

$962

$529
$825
Minimum Wage Earner
$938
$416
Minimum Wage Earner

(SSI) Recipient
$263
$0
$500
SSI Recipient
$1,000
$1,500
$1,091
$2,000
31
California
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
California
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$26.04
$1,354
$54,168
3.3
$70,473
$1,762
$21,142
$529
5,487,934
44%
$18.50
$962
1.4
$17.93
$932
$37,286
2.2
$58,502
$1,463
$17,551
$439
113,602
34%
$10.57
$549
1.7
Bakersfield MSA
$15.67
$815
$32,600
2.0
$51,700
$1,293
$15,510
$388
103,521
41%
$12.56
$653
1.2
Chico MSA
$16.37
$851
$34,040
2.0
$54,000
$1,350
$16,200
$405
33,840
40%
$11.30
$588
1.4
El Centro MSA
$15.56
$809
$32,360
1.9
$43,000
$1,075
$12,900
$323
20,629
43%
$7.69
$400
2.0
Fresno MSA
$15.90
$827
$33,080
2.0
$48,700
$1,218
$14,610
$365
131,497
46%
$11.04
$574
1.4
Hanford-Corcoran MSA
$17.10
$889
$35,560
2.1
$53,700
$1,343
$16,110
$403
19,255
47%
$12.04
$626
1.4
Los Angeles-Long Beach HMFA
$26.88
$1,398
$55,920
3.4
$60,600
$1,515
$18,180
$455
1,695,180
53%
$18.53
$963
1.5
Madera-Chowchilla MSA
$15.10
$785
$31,400
1.9
$52,000
$1,300
$15,600
$390
16,153
38%
$11.33
$589
1.3
Merced MSA
$15.29
$795
$31,800
1.9
$45,000
$1,125
$13,500
$338
34,084
46%
$10.52
$547
1.5
Modesto MSA
$17.50
$910
$36,400
2.2
$52,700
$1,318
$15,810
$395
67,972
41%
$12.07
$628
1.5
Napa MSA
$27.19
$1,414
$56,560
3.4
$70,300
$1,758
$21,090
$527
18,754
38%
$15.05
$782
1.8
Oakland-Fremont HMFA
$30.35
$1,578
$63,120
3.8
$88,500
$2,213
$26,550
$664
373,006
41%
$19.06
$991
1.6
Orange County HMFA *
$31.62
$1,644
$65,760
4.0
$84,900
$2,123
$25,470
$637
403,056
41%
$18.42
$958
1.7
Oxnard-Thousand Oaks-Ventura MSA
$28.44
$1,479
$59,160
3.6
$88,700
$2,218
$26,610
$665
92,149
35%
$15.20
$790
1.9
Redding MSA
$18.08
$940
$37,600
2.3
$51,500
$1,288
$15,450
$386
24,088
35%
$11.41
$593
1.6
Riverside-San Bernardino-Ontario MSA *
$21.54
$1,120
$44,800
2.7
$60,700
$1,518
$18,210
$455
441,576
35%
$12.00
$624
1.8
Sacramento--Arden-Arcade--Roseville HMFA *
$20.62
$1,072
$42,880
2.6
$68,000
$1,700
$20,400
$510
271,842
38%
$14.65
$762
1.4
Salinas MSA
$23.73
$1,234
$49,360
3.0
$59,100
$1,478
$17,730
$443
61,660
49%
$13.65
$710
1.7
San Benito County HMFA
$23.00
$1,196
$47,840
2.9
$76,100
$1,903
$22,830
$571
6,012
36%
$11.11
$578
2.1
San Diego-Carlsbad-San Marcos MSA
$26.04
$1,354
$54,160
3.3
$72,700
$1,818
$21,810
$545
485,425
45%
$17.78
$925
1.5
San Francisco HMFA
$37.62
$1,956
$78,240
4.7
$97,100
$2,428
$29,130
$728
357,256
51%
$31.45
$1,635
1.2
San Jose-Sunnyvale-Santa Clara HMFA
$31.71
$1,649
$65,960
4.0
$101,900
$2,548
$30,570
$764
252,995
42%
$32.99
$1,716
1.0
San Luis Obispo-Paso Robles MSA
$23.37
$1,215
$48,600
2.9
$77,000
$1,925
$23,100
$578
40,980
40%
$11.71
$609
2.0
Santa Barbara-Santa Maria-Goleta MSA
$24.46
$1,272
$50,880
3.1
$72,800
$1,820
$21,840
$546
66,033
47%
$15.49
$805
1.6
Santa Cruz-Watsonville MSA
$30.71
$1,597
$63,880
3.8
$77,900
$1,948
$23,370
$584
38,413
41%
$13.59
$707
2.3
Santa Rosa-Petaluma MSA
$24.06
$1,251
$50,040
3.0
$76,900
$1,923
$23,070
$577
71,406
39%
$14.67
$763
1.6
Stockton MSA
$17.88
$930
$37,200
2.2
$58,200
$1,455
$17,460
$437
87,364
41%
$11.92
$620
1.5
Vallejo-Fairfield MSA
$22.37
$1,163
$46,520
2.8
$76,700
$1,918
$23,010
$575
51,621
37%
$14.86
$773
1.5
Metropolitan Areas
1: BR = Bedroom
32
California
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Visalia-Porterville MSA
$14.40
$749
$29,960
1.8
$45,100
$1,128
$13,530
$338
53,867
41%
$10.04
$522
1.4
Yolo HMFA
$21.23
$1,104
$44,160
2.7
$73,900
$1,848
$22,170
$554
32,528
46%
$12.52
$651
1.7
Yuba City MSA
$15.19
$790
$31,600
1.9
$51,500
$1,288
$15,450
$386
22,170
40%
$11.38
$592
1.3
Alameda County
$30.35
$1,578
$63,120
3.8
$88,500
$2,213
$26,550
$664
249,421
46%
$19.77
$1,028
1.5
Alpine County
$17.56
$913
$36,520
2.2
$85,000
$2,125
$25,500
$638
74
19%
$14.62
$760
1.2
Amador County
$20.15
$1,048
$41,920
2.5
$72,300
$1,808
$21,690
$542
3,447
24%
$11.32
$589
1.8
Butte County
$16.37
$851
$34,040
2.0
$54,000
$1,350
$16,200
$405
33,840
40%
$11.30
$588
1.4
Calaveras County
$17.85
$928
$37,120
2.2
$70,000
$1,750
$21,000
$525
3,892
21%
$10.53
$548
1.7
Colusa County
$15.62
$812
$32,480
2.0
$57,300
$1,433
$17,190
$430
2,494
36%
$10.56
$549
1.5
Contra Costa County
$30.35
$1,578
$63,120
3.8
$88,500
$2,213
$26,550
$664
123,585
33%
$17.62
$916
1.7
Del Norte County
$16.73
$870
$34,800
2.1
$54,200
$1,355
$16,260
$407
3,675
38%
$9.43
$490
1.8
El Dorado County *
$20.62
$1,072
$42,880
2.6
$68,000
$1,700
$20,400
$510
16,893
25%
$11.56
$601
1.8
Fresno County
$15.90
$827
$33,080
2.0
$48,700
$1,218
$14,610
$365
131,497
46%
$11.04
$574
1.4
Glenn County
$15.85
$824
$32,960
2.0
$53,100
$1,328
$15,930
$398
3,298
35%
$9.67
$503
1.6
Humboldt County
$18.96
$986
$39,440
2.4
$52,100
$1,303
$15,630
$391
23,525
44%
$10.27
$534
1.8
Imperial County
$15.56
$809
$32,360
1.9
$43,000
$1,075
$12,900
$323
20,629
43%
$7.69
$400
2.0
Inyo County
$18.50
$962
$38,480
2.3
$70,900
$1,773
$21,270
$532
2,930
37%
$9.81
$510
1.9
Counties
Kern County
$15.67
$815
$32,600
2.0
$51,700
$1,293
$15,510
$388
103,521
41%
$12.56
$653
1.2
Kings County
$17.10
$889
$35,560
2.1
$53,700
$1,343
$16,110
$403
19,255
47%
$12.04
$626
1.4
Lake County
$16.87
$877
$35,080
2.1
$46,300
$1,158
$13,890
$347
9,573
37%
$10.24
$533
1.6
Lassen County
$18.17
$945
$37,800
2.3
$68,000
$1,700
$20,400
$510
3,766
37%
$7.86
$409
2.3
Los Angeles County
$26.88
$1,398
$55,920
3.4
$60,600
$1,515
$18,180
$455
1,695,180
53%
$18.53
$963
1.5
Madera County
$15.10
$785
$31,400
1.9
$52,000
$1,300
$15,600
$390
16,153
38%
$11.33
$589
1.3
Marin County
$37.62
$1,956
$78,240
4.7
$97,100
$2,428
$29,130
$728
38,564
37%
$16.86
$877
2.2
Mariposa County
$14.88
$774
$30,960
1.9
$60,600
$1,515
$18,180
$455
2,026
28%
$7.88
$410
1.9
Mendocino County
$17.83
$927
$37,080
2.2
$54,000
$1,350
$16,200
$405
13,830
40%
$10.46
$544
1.7
Merced County
$15.29
$795
$31,800
1.9
$45,000
$1,125
$13,500
$338
34,084
46%
$10.52
$547
1.5
Modoc County
$12.25
$637
$25,480
1.5
$47,900
$1,198
$14,370
$359
1,069
27%
$8.66
$450
1.4
Mono County
$24.08
$1,252
$50,080
3.0
$81,200
$2,030
$24,360
$609
2,202
44%
$9.13
$475
2.6
1: BR = Bedroom
33
California
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Monterey County
$23.73
$1,234
$49,360
3.0
$59,100
$1,478
$17,730
$443
61,660
49%
$13.65
$710
1.7
Napa County
$27.19
$1,414
$56,560
3.4
$70,300
$1,758
$21,090
$527
18,754
38%
$15.05
$782
1.8
Nevada County
$20.13
$1,047
$41,880
2.5
$73,500
$1,838
$22,050
$551
11,372
27%
$11.62
$604
1.7
Orange County *
$31.62
$1,644
$65,760
4.0
$84,900
$2,123
$25,470
$637
403,056
41%
$18.42
$958
1.7
Placer County *
$20.62
$1,072
$42,880
2.6
$68,000
$1,700
$20,400
$510
37,643
29%
$13.86
$721
1.5
Plumas County
$17.94
$933
$37,320
2.2
$55,300
$1,383
$16,590
$415
2,683
29%
$11.65
$606
1.5
Riverside County *
$21.54
$1,120
$44,800
2.7
$60,700
$1,518
$18,210
$455
219,637
32%
$11.52
$599
1.9
Sacramento County *
$20.62
$1,072
$42,880
2.6
$68,000
$1,700
$20,400
$510
217,306
42%
$15.14
$787
1.4
San Benito County
$23.00
$1,196
$47,840
2.9
$76,100
$1,903
$22,830
$571
6,012
36%
$11.11
$578
2.1
San Bernardino County *
$21.54
$1,120
$44,800
2.7
$60,700
$1,518
$18,210
$455
221,939
37%
$12.44
$647
1.7
San Diego County
$26.04
$1,354
$54,160
3.3
$72,700
$1,818
$21,810
$545
485,425
45%
$17.78
$925
1.5
San Francisco County
$37.62
$1,956
$78,240
4.7
$97,100
$2,428
$29,130
$728
214,979
63%
$30.80
$1,601
1.2
San Joaquin County
$17.88
$930
$37,200
2.2
$58,200
$1,455
$17,460
$437
87,364
41%
$11.92
$620
1.5
San Luis Obispo County
$23.37
$1,215
$48,600
2.9
$77,000
$1,925
$23,100
$578
40,980
40%
$11.71
$609
2.0
San Mateo County
$37.62
$1,956
$78,240
4.7
$97,100
$2,428
$29,130
$728
103,713
40%
$36.76
$1,912
1.0
Santa Barbara County
$24.46
$1,272
$50,880
3.1
$72,800
$1,820
$21,840
$546
66,033
47%
$15.49
$805
1.6
Santa Clara County
$31.71
$1,649
$65,960
4.0
$101,900
$2,548
$30,570
$764
252,995
42%
$32.99
$1,716
1.0
Santa Cruz County
$30.71
$1,597
$63,880
3.8
$77,900
$1,948
$23,370
$584
38,413
41%
$13.59
$707
2.3
Shasta County
$18.08
$940
$37,600
2.3
$51,500
$1,288
$15,450
$386
24,088
35%
$11.41
$593
1.6
Sierra County
$16.63
$865
$34,600
2.1
$58,700
$1,468
$17,610
$440
320
24%
$6.85
$356
2.4
Siskiyou County
$15.17
$789
$31,560
1.9
$49,500
$1,238
$14,850
$371
6,983
36%
$9.64
$501
1.6
Solano County
$22.37
$1,163
$46,520
2.8
$76,700
$1,918
$23,010
$575
51,621
37%
$14.86
$773
1.5
Sonoma County
$24.06
$1,251
$50,040
3.0
$76,900
$1,923
$23,070
$577
71,406
39%
$14.67
$763
1.6
Stanislaus County
$17.50
$910
$36,400
2.2
$52,700
$1,318
$15,810
$395
67,972
41%
$12.07
$628
1.5
Sutter County
$15.19
$790
$31,600
1.9
$51,500
$1,288
$15,450
$386
12,487
39%
$10.68
$555
1.4
Tehama County
$16.15
$840
$33,600
2.0
$48,700
$1,218
$14,610
$365
8,167
35%
$12.88
$670
1.3
Trinity County
$18.13
$943
$37,720
2.3
$48,900
$1,223
$14,670
$367
1,560
27%
$8.59
$446
2.1
Tulare County
$14.40
$749
$29,960
1.8
$45,100
$1,128
$13,530
$338
53,867
41%
$10.04
$522
1.4
Tuolumne County
$18.15
$944
$37,760
2.3
$62,100
$1,553
$18,630
$466
6,716
30%
$11.31
$588
1.6
Ventura County
$28.44
$1,479
$59,160
3.6
$88,700
$2,218
$26,610
$665
92,149
35%
$15.20
$790
1.9
Yolo County
$21.23
$1,104
$44,160
2.7
$73,900
$1,848
$22,170
$554
32,528
46%
$12.52
$651
1.7
1: BR = Bedroom
34
California
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Yuba County
$15.19
HOUSING COSTS
2 BR
FMR
$790
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
$31,600
RENTER HOUSEHOLDS
1.9
Annual
3
AMI
$51,500
Monthly
rent 4
affordable
at AMI
$1,288
30%
5
of AMI
$15,450
Monthly
rent
affordable
at 30%
of AMI
$386
Renter
% of total
(2008-2012) (2008-2012)
9,683
40%
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.06
$679
1.2
1: BR = Bedroom
35
Colorado
In Colorado, the Fair Market Rent (FMR) for a two-bedroom apartment is $916. In order to afford this level of rent
Wage of:
$17.61
In Colorado, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a two-bedroom
In Colorado, the estimated mean (average) wage for a renter is $14.90. In order to afford the FMR for a two-bedroom
FMR affordable.
$916
Two-Bedroom FMR
$1,835

$775

$551
$365
Minimum Wage Earner
$500
SSI Recipient
$700
$416
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$141
$216
$0
$500
$1,000
$1,500
$2,000
36
Colorado
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Colorado
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$17.61
$916
$36,623
2.2
$73,407
$1,835
$22,022
$551
668,802
34%
$14.90
$775
1.2
$16.46
$856
$34,247
2.1
$64,131
$1,603
$19,239
$481
81,437
30%
$12.15
$632
1.4
Boulder MSA
$22.65
$1,178
$47,120
2.8
$96,800
$2,420
$29,040
$726
44,069
37%
$15.22
$791
1.5
Colorado Springs HMFA
$15.52
$807
$32,280
1.9
$70,000
$1,750
$21,000
$525
83,011
35%
$13.17
$685
1.2
Denver-Aurora-Broomfield MSA
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
354,282
35%
$16.72
$870
1.1
Fort Collins-Loveland MSA
$17.23
$896
$35,840
2.2
$73,500
$1,838
$22,050
$551
40,753
34%
$11.47
$596
1.5
Grand Junction MSA
$14.71
$765
$30,600
1.8
$61,800
$1,545
$18,540
$464
16,642
28%
$12.05
$627
1.2
Greeley MSA
$13.63
$709
$28,360
1.7
$62,000
$1,550
$18,600
$465
26,448
30%
$11.17
$581
1.2
Pueblo MSA
$13.33
$693
$27,720
1.7
$55,400
$1,385
$16,620
$416
20,686
33%
$10.07
$523
1.3
Teller County HMFA
$16.56
$861
$34,440
2.1
$72,000
$1,800
$21,600
$540
1,474
16%
$7.91
$411
2.1
Adams County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
50,926
34%
$13.57
$705
Alamosa County
$12.29
$639
$25,560
1.5
$49,100
$1,228
$14,730
$368
2,151
37%
$7.27
$378
1.7
Arapahoe County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
80,589
36%
$16.90
$879
1.1
Archuleta County
$14.06
$731
$29,240
1.8
$73,200
$1,830
$21,960
$549
1,004
22%
$9.15
$476
1.5
Baca County
$12.25
$637
$25,480
1.5
$46,500
$1,163
$13,950
$349
439
26%
$10.36
$539
1.2
Bent County
$12.25
$637
$25,480
1.5
$42,400
$1,060
$12,720
$318
717
37%
$9.97
$519
1.2
Boulder County
$22.65
$1,178
$47,120
2.8
$96,800
$2,420
$29,040
$726
44,069
37%
$15.22
$791
1.5
Broomfield County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
6,373
30%
$19.62
$1,020
0.9
Chaffee County
$13.40
$697
$27,880
1.7
$58,100
$1,453
$17,430
$436
1,846
24%
$9.00
$468
1.5
Metropolitan Areas
Counties
1.4
Cheyenne County
$12.25
$637
$25,480
1.5
$71,300
$1,783
$21,390
$535
202
24%
$13.63
$709
0.9
Clear Creek County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
814
20%
$11.59
$603
1.6
Conejos County
$12.25
$637
$25,480
1.5
$44,100
$1,103
$13,230
$331
724
23%
$9.13
$475
1.3
Costilla County
$12.25
$637
$25,480
1.5
$42,700
$1,068
$12,810
$320
309
22%
$9.63
$501
1.3
Crowley County
$12.25
$637
$25,480
1.5
$47,100
$1,178
$14,130
$353
267
22%
$10.11
$525
1.2
Custer County
$12.25
$637
$25,480
1.5
$53,600
$1,340
$16,080
$402
330
16%
$7.04
$366
1.7
Delta County
$14.62
$760
$30,400
1.8
$52,500
$1,313
$15,750
$394
3,298
26%
$10.99
$571
1.3
Denver County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
129,835
50%
$19.14
$995
1.0
1: BR = Bedroom
37
Colorado
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Dolores County
$12.25
$637
$25,480
1.5
$56,200
$1,405
$16,860
$422
163
20%
$9.49
$494
1.3
Douglas County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
19,422
19%
$17.66
$918
1.0
Eagle County
$22.96
$1,194
$47,760
2.9
$86,900
$2,173
$26,070
$652
6,608
36%
$12.85
$668
1.8
El Paso County
$15.52
$807
$32,280
1.9
$70,000
$1,750
$21,000
$525
83,011
35%
$13.17
$685
1.2
Elbert County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
797
10%
$9.03
$469
2.0
Fremont County
$12.77
$664
$26,560
1.6
$50,400
$1,260
$15,120
$378
4,831
28%
$9.08
$472
1.4
Garfield County
$21.54
$1,120
$44,800
2.7
$73,900
$1,848
$22,170
$554
6,778
33%
$16.52
$859
1.3
Gilpin County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
601
24%
$9.11
$474
2.0
Grand County
$17.12
$890
$35,600
2.1
$76,000
$1,900
$22,800
$570
1,279
24%
$8.19
$426
2.1
Gunnison County
$17.17
$893
$35,720
2.1
$72,000
$1,800
$21,600
$540
2,515
39%
$11.30
$588
1.5
Hinsdale County
$16.58
$862
$34,480
2.1
$91,700
$2,293
$27,510
$688
77
21%
$11.38
$592
1.5
Huerfano County
$13.40
$697
$27,880
1.7
$43,500
$1,088
$13,050
$326
804
26%
$8.27
$430
1.6
Jackson County
$13.37
$695
$27,800
1.7
$65,300
$1,633
$19,590
$490
158
26%
$13.89
$722
1.0
Jefferson County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
64,161
29%
$13.32
$693
1.4
Kiowa County
$12.25
$637
$25,480
1.5
$61,600
$1,540
$18,480
$462
147
28%
$18.42
$958
0.7
Kit Carson County
$12.25
$637
$25,480
1.5
$61,700
$1,543
$18,510
$463
965
32%
$10.93
$569
1.1
La Plata County
$17.73
$922
$36,880
2.2
$72,900
$1,823
$21,870
$547
6,570
31%
$13.49
$701
1.3
Lake County
$18.87
$981
$39,240
2.4
$45,400
$1,135
$13,620
$341
856
30%
$12.09
$628
1.6
Larimer County
$17.23
$896
$35,840
2.2
$73,500
$1,838
$22,050
$551
40,753
34%
$11.47
$596
1.5
Las Animas County
$13.15
$684
$27,360
1.6
$54,600
$1,365
$16,380
$410
1,803
29%
$9.77
$508
1.3
Lincoln County
$13.23
$688
$27,520
1.7
$60,300
$1,508
$18,090
$452
576
31%
$8.30
$432
1.6
Logan County
$12.37
$643
$25,720
1.5
$56,800
$1,420
$17,040
$426
2,304
29%
$11.38
$592
1.1
Mesa County
$14.71
$765
$30,600
1.8
$61,800
$1,545
$18,540
$464
16,642
28%
$12.05
$627
1.2
Mineral County
$15.17
$789
$31,560
1.9
$68,600
$1,715
$20,580
$515
58
16%
$8.94
$465
1.7
Moffat County
$14.19
$738
$29,520
1.8
$66,200
$1,655
$19,860
$497
1,321
25%
$12.51
$651
1.1
Montezuma County
$12.25
$637
$25,480
1.5
$53,800
$1,345
$16,140
$404
3,249
30%
$8.88
$462
1.4
Montrose County
$14.62
$760
$30,400
1.8
$56,100
$1,403
$16,830
$421
4,326
26%
$10.18
$530
1.4
Morgan County
$12.69
$660
$26,400
1.6
$51,100
$1,278
$15,330
$383
3,765
36%
$11.20
$582
1.1
Otero County
$12.25
$637
$25,480
1.5
$41,400
$1,035
$12,420
$311
2,821
37%
$8.37
$435
1.5
Ouray County
$19.50
$1,014
$40,560
2.4
$71,600
$1,790
$21,480
$537
433
23%
$14.43
$750
1.4
Park County
$18.46
$960
$38,400
2.3
$76,700
$1,918
$23,010
$575
764
11%
$10.46
$544
1.8
1: BR = Bedroom
38
Colorado
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Phillips County
$12.69
$660
$26,400
1.6
$57,200
$1,430
$17,160
$429
461
28%
$9.49
$493
1.3
Pitkin County
$25.60
$1,331
$53,240
3.2
$102,600
$2,565
$30,780
$770
2,546
35%
$18.00
$936
1.4
Prowers County
$12.25
$637
$25,480
1.5
$48,800
$1,220
$14,640
$366
1,688
34%
$8.01
$416
1.5
Pueblo County
$13.33
$693
$27,720
1.7
$55,400
$1,385
$16,620
$416
20,686
33%
$10.07
$523
1.3
Rio Blanco County
$13.79
$717
$28,680
1.7
$76,500
$1,913
$22,950
$574
768
30%
$19.07
$992
0.7
Rio Grande County
$12.25
$637
$25,480
1.5
$48,300
$1,208
$14,490
$362
1,377
32%
$8.86
$461
1.4
Routt County
$20.77
$1,080
$43,200
2.6
$77,500
$1,938
$23,250
$581
2,905
30%
$14.80
$769
1.4
Saguache County
$12.25
$637
$25,480
1.5
$40,400
$1,010
$12,120
$303
878
32%
$8.81
$458
1.4
San Juan County
$16.19
$842
$33,680
2.0
$56,400
$1,410
$16,920
$423
173
46%
$8.34
$434
1.9
San Miguel County
$21.52
$1,119
$44,760
2.7
$87,400
$2,185
$26,220
$656
1,206
36%
$12.43
$646
1.7
Sedgwick County
$12.25
$637
$25,480
1.5
$57,500
$1,438
$17,250
$431
266
27%
$11.21
$583
1.1
Summit County
$23.71
$1,233
$49,320
3.0
$90,800
$2,270
$27,240
$681
3,592
32%
$11.08
$576
2.1
Teller County
$16.56
$861
$34,440
2.1
$72,000
$1,800
$21,600
$540
1,474
16%
$7.91
$411
2.1
Washington County
$12.40
$645
$25,800
1.6
$55,400
$1,385
$16,620
$416
589
28%
$15.85
$824
0.8
Weld County
$13.63
$709
$28,360
1.7
$62,000
$1,550
$18,600
$465
26,448
30%
$11.17
$581
1.2
Yuma County
$12.25
$637
$25,480
1.5
$54,300
$1,358
$16,290
$407
1,294
33%
$11.21
$583
1.1
1: BR = Bedroom
39
Connecticut
In Connecticut, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,197. In order to afford this level of
rent and utilities without paying more than 30% of income on housing a household must earn $3,991 monthly or
Wage of:
$23.02
In Connecticut, a minimum wage worker earns an hourly wage of $8.70. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 106 hours per week, 52 weeks per year. Or a household
must include 2.6 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom
FMR affordable.
In Connecticut, the estimated mean (average) wage for a renter is $15.75. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 58 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$378
$1,197
Two-Bedroom FMR
$2,207

$819
$662
$535
Minimum Wage Earner
$745
SSI Recipient
$981
$452
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
$2,500
40
Connecticut
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Connecticut
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$23.02
$1,197
$47,890
2.6
$88,290
$2,207
$26,487
$662
430,624
32%
$15.75
$819
1.5
$18.47
$960
$38,418
2.1
$83,017
$2,075
$24,905
$623
29,343
24%
$10.62
$552
1.7
Bridgeport HMFA
$22.33
$1,161
$46,440
2.6
$83,700
$2,093
$25,110
$628
40,517
32%
$21.37
$1,111
1.0
Colchester-Lebanon HMFA
$21.38
$1,112
$44,480
2.5
$105,000
$2,625
$31,500
$788
1,560
18%
$14.63
$761
1.5
Danbury HMFA
$30.31
$1,576
$63,040
3.5
$113,900
$2,848
$34,170
$854
16,684
24%
$21.37
$1,111
1.4
Hartford-West Hartford-East Hartford HMFA *
$22.50
$1,170
$46,800
2.6
$85,700
$2,143
$25,710
$643
144,934
32%
$14.66
$763
1.5
Milford-Ansonia-Seymour HMFA
$23.35
$1,214
$48,560
2.7
$88,400
$2,210
$26,520
$663
12,368
27%
$12.61
$656
1.9
New Haven-Meriden HMFA *
$23.52
$1,223
$48,920
2.7
$73,900
$1,848
$22,170
$554
78,039
37%
$12.61
$656
1.9
Norwich-New London HMFA
$19.90
$1,035
$41,400
2.3
$84,600
$2,115
$25,380
$635
32,420
33%
$14.63
$761
1.4
Southern Middlesex County HMFA
$25.10
$1,305
$52,200
2.9
$98,900
$2,473
$29,670
$742
3,392
17%
$12.47
$648
2.0
Stamford-Norwalk HMFA
$29.83
$1,551
$62,040
3.4
$125,100
$3,128
$37,530
$938
43,639
32%
$21.37
$1,111
1.4
Waterbury HMFA
$18.46
$960
$38,400
2.1
$69,500
$1,738
$20,850
$521
27,728
37%
$12.61
$656
1.5
Litchfield County
$18.81
$978
$39,120
2.2
$89,600
$2,240
$26,880
$672
16,462
22%
$10.56
$549
1.8
Windham County
$18.04
$938
$37,520
2.1
$71,600
$1,790
$21,480
$537
12,881
29%
$10.73
$558
1.7
Metropolitan Areas
Counties
1: BR = Bedroom
41
Towns within Connecticut FMR Areas

Bridgeport, CT HMFA
Fairfield County
Bridgeport town, Easton town, Fairfield town, Monroe town, Shelton
town, Stratford town, Trumbull town
Milford-Ansonia-Seymour, CT HMFA
New Haven County
Ansonia town, Beacon Falls town, Derby town, Milford town, Oxford
town, Seymour town
Colchester-Lebanon, CT HMFA
New London County
Colchester town, Lebanon 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
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
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
Middlesex County
Chester town, Cromwell town, Durham town, East Haddam town, East
Hampton town, Haddam town, Middlefield town, Middletown town,
Portland town
Stamford-Norwalk, CT HMFA
Fairfield County
Darien town, Greenwich town, New Canaan town, Norwalk town,
Stamford town, Weston town, Westport town, Wilton 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
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.
42
Delaware
In Delaware, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,044. In order to afford this level of rent
Wage of:
$20.09
In Delaware, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Delaware, the estimated mean (average) wage for a renter is $15.01. In order to afford the FMR for a two-bedroom
FMR affordable.
$1,044
Two-Bedroom FMR
$1,819

$780

$546
$498
Minimum Wage Earner
$667
SSI Recipient
$828
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$264
$216
$0
$500
$1,000
$1,500
$2,000
43
Delaware
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Delaware
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$20.09
$1,044
$41,778
2.8
$72,769
$1,819
$21,831
$546
91,288
27%
$15.01
$780
1.3
$16.04
$834
$33,360
2.2
$64,700
$1,618
$19,410
$485
15,729
21%
$9.99
$519
1.6
$16.31
$848
1.3
Metropolitan Areas
Dover MSA
$17.50
$910
$36,400
2.4
$62,400
$1,560
$18,720
$468
15,692
27%
Philadelphia-Camden-Wilmington MSA *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
59,867
30%
Kent County
$17.50
$910
$36,400
2.4
$62,400
$1,560
$18,720
$468
15,692
27%
New Castle County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
59,867
30%
$16.31
$848
1.3
Sussex County
$16.04
$834
$33,360
2.2
$64,700
$1,618
$19,410
$485
15,729
21%
$9.99
$519
1.6
Counties
* 50th percentile FMR (See Appendix A). Wage data not available (See Appendix A).
1: BR = Bedroom
44
In the District of Columbia, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,469. In order to afford
this level of rent and utilities without paying more than 30% of income on housing a household must earn $4,897
monthly or $58,760 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into
a Housing Wage of:
$28.25
In the District of Columbia, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a
two-bedroom apartment, a minimum wage earner must work 137 hours per week, 52 weeks per year. Or a household
FMR affordable.
In the District of Columbia, the estimated mean (average) wage for a renter is $25.52. In order to afford the FMR for
a two-bedroom apartment at this wage, a renter must work 44 hours per week, 52 weeks per year. Or, working 40
hours per week year-round, a household must include 1.1 workers earning the mean renter wage in order to make the
two-bedroom FMR affordable.
Monthly Rent Affordable to Selected Income Levels
Compared with Two-Bedroom FMR
Gap between
Affordable Rent
and FMR
$142
$1,469
Two-Bedroom FMR
$2,675

$1,327
$803

$429
Minimum Wage Earner

(SSI) Recipient
Minimum Wage Earner
$1,040
SSI Recipient
$1,253
$216
$0
$1,000
$2,000
$667
$3,000
45
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$28.25
$1,469
$58,760
3.4
$107,000
$2,675
$32,100
$803
150,339
58%
$25.52
$1,327
1.1
$28.25
$1,469
$58,760
3.4
$107,000
$2,675
$32,100
$803
150,339
58%
$25.52
$1,327
1.1
$28.25
$1,469
3.4
$107,000
$2,675
$32,100
$803
150,339
58%
$25.52
Metropolitan Areas
Washington-Arlington-Alexandria HMFA
Counties
$58,760
$1,327
1.1
1: BR = Bedroom
46
Florida
In Florida, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,008. In order to afford this level of rent
Wage of:
$19.39
In Florida, a minimum wage worker earns an hourly wage of $7.93. In order to afford the FMR for a two-bedroom
In Florida, the estimated mean (average) wage for a renter is $13.73. In order to afford the FMR for a two-bedroom
FMR affordable.
$1,008
Two-Bedroom FMR
$1,419

$714
Gap between
Affordable Rent
and FMR
$294
$426
$582
Minimum Wage Earner
$412
Minimum Wage Earner
$596
SSI Recipient
$792

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
47
Florida
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Florida
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$19.39
$1,008
$40,335
2.4
$56,749
$1,419
$17,025
$426
2,281,613
32%
$13.73
$714
1.4
$15.05
$783
$31,312
1.9
$48,754
$1,219
$14,626
$366
94,400
23%
$10.48
$545
1.4
Baker County HMFA
$14.06
$731
$29,240
1.8
$58,100
$1,453
$17,430
$436
1,897
23%
$7.62
$396
1.8
Cape Coral-Fort Myers MSA
$17.17
$893
$35,720
2.2
$58,000
$1,450
$17,400
$435
67,343
28%
$12.43
$647
1.4
Crestview-Fort Walton-Destin MSA
$17.10
$889
$35,560
2.2
$62,800
$1,570
$18,840
$471
24,366
34%
$11.69
$608
1.5
Deltona-Daytona Beach-Ormond Beach MSA
$16.88
$878
$35,120
2.1
$51,500
$1,288
$15,450
$386
51,087
26%
$10.21
$531
1.7
Fort Lauderdale HMFA *
$24.23
$1,260
$50,400
3.1
$61,800
$1,545
$18,540
$464
218,685
33%
$15.35
$798
1.6
Gainesville MSA
$16.71
$869
$34,760
2.1
$65,400
$1,635
$19,620
$491
44,271
43%
$9.91
$515
1.7
Jacksonville HMFA
$17.98
$935
$37,400
2.3
$63,200
$1,580
$18,960
$474
163,066
33%
$14.11
$734
1.3
Lakeland-Winter Haven MSA
$15.52
$807
$32,280
2.0
$50,400
$1,260
$15,120
$378
64,645
29%
$12.39
$644
1.3
Miami-Miami Beach-Kendall HMFA
$22.42
$1,166
$46,640
2.8
$48,400
$1,210
$14,520
$363
357,182
43%
$15.01
$781
1.5
Naples-Marco Island MSA
$19.35
$1,006
$40,240
2.4
$62,900
$1,573
$18,870
$472
29,861
25%
$12.92
$672
1.5
North Port-Bradenton-Sarasota MSA *
$19.44
$1,011
$40,440
2.5
$57,300
$1,433
$17,190
$430
79,000
26%
$12.93
$672
1.5
Ocala MSA
$15.13
$787
$31,480
1.9
$45,700
$1,143
$13,710
$343
31,028
23%
$10.74
$558
1.4
Orlando-Kissimmee MSA
$18.90
$983
$39,320
2.4
$54,800
$1,370
$16,440
$411
275,169
36%
$13.35
$694
1.4
Palm Bay-Melbourne-Titusville MSA
$16.58
$862
$34,480
2.1
$60,700
$1,518
$18,210
$455
56,200
25%
$13.55
$704
1.2
Palm Coast MSA
$19.21
$999
$39,960
2.4
$56,300
$1,408
$16,890
$422
7,074
20%
$10.94
$569
1.8
Panama City-Lynn Haven-Panama City Beach MSA
$16.58
$862
$34,480
2.1
$59,500
$1,488
$17,850
$446
24,936
36%
$12.24
$636
1.4
Pensacola-Ferry Pass-Brent MSA
$15.96
$830
$33,200
2.0
$58,400
$1,460
$17,520
$438
52,768
31%
$11.78
$612
1.4
Port St. Lucie MSA
$17.81
$926
$37,040
2.2
$56,900
$1,423
$17,070
$427
40,131
24%
$11.72
$610
1.5
Punta Gorda MSA
$16.52
$859
$34,360
2.1
$55,700
$1,393
$16,710
$418
14,604
20%
$11.39
$592
1.5
Sebastian-Vero Beach MSA
$16.62
$864
$34,560
2.1
$54,700
$1,368
$16,410
$410
13,926
24%
$10.58
$550
1.6
Tallahassee HMFA
$17.50
$910
$36,400
2.2
$64,800
$1,620
$19,440
$486
55,832
42%
$10.24
$532
1.7
Tampa-St. Petersburg-Clearwater MSA
$18.29
$951
$38,040
2.3
$57,400
$1,435
$17,220
$431
364,702
33%
$14.57
$757
1.3
Wakulla County HMFA
$14.60
$759
$30,360
1.8
$66,800
$1,670
$20,040
$501
2,143
20%
$8.38
$436
1.7
West Palm Beach-Boca Raton HMFA *
$23.12
$1,202
$48,080
2.9
$63,300
$1,583
$18,990
$475
147,297
28%
$16.10
$837
1.4
$16.71
$869
2.1
$65,400
$1,635
$19,620
$491
43,139
45%
$9.94
Metropolitan Areas
Counties
Alachua County
$34,760
$517
1.7
1: BR = Bedroom
48
Florida
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Baker County
$14.06
$731
$29,240
1.8
$58,100
$1,453
$17,430
$436
1,897
23%
$7.62
$396
1.8
Bay County
$16.58
$862
$34,480
2.1
$59,500
$1,488
$17,850
$446
24,936
36%
$12.24
$636
1.4
Bradford County
$12.25
$637
$25,480
1.5
$51,900
$1,298
$15,570
$389
2,115
23%
$7.96
$414
1.5
Brevard County
$16.58
$862
$34,480
2.1
$60,700
$1,518
$18,210
$455
56,200
25%
$13.55
$704
1.2
Broward County *
$24.23
$1,260
$50,400
3.1
$61,800
$1,545
$18,540
$464
218,685
33%
$15.35
$798
1.6
Calhoun County
$12.25
$637
$25,480
1.5
$39,000
$975
$11,700
$293
1,047
22%
$8.18
$425
1.5
Charlotte County
$16.52
$859
$34,360
2.1
$55,700
$1,393
$16,710
$418
14,604
20%
$11.39
$592
1.5
Citrus County
$14.37
$747
$29,880
1.8
$46,000
$1,150
$13,800
$345
9,866
17%
$10.81
$562
1.3
Clay County
$17.98
$935
$37,400
2.3
$63,200
$1,580
$18,960
$474
15,395
23%
$10.63
$553
1.7
Collier County
$19.35
$1,006
$40,240
2.4
$62,900
$1,573
$18,870
$472
29,861
25%
$12.92
$672
1.5
Columbia County
$15.02
$781
$31,240
1.9
$43,400
$1,085
$13,020
$326
7,143
30%
$10.59
$551
1.4
DeSoto County
$12.58
$654
$26,160
1.6
$43,900
$1,098
$13,170
$329
2,768
26%
$9.86
$513
1.3
Dixie County
$12.25
$637
$25,480
1.5
$49,800
$1,245
$14,940
$374
1,405
23%
$9.83
$511
1.2
Duval County
$17.98
$935
$37,400
2.3
$63,200
$1,580
$18,960
$474
124,704
38%
$14.97
$779
1.2
Escambia County
$15.96
$830
$33,200
2.0
$58,400
$1,460
$17,520
$438
38,751
35%
$12.09
$628
1.3
Flagler County
$19.21
$999
$39,960
2.4
$56,300
$1,408
$16,890
$422
7,074
20%
$10.94
$569
1.8
Franklin County
$13.52
$703
$28,120
1.7
$51,400
$1,285
$15,420
$386
1,495
33%
$7.51
$391
1.8
Gadsden County
$17.50
$910
$36,400
2.2
$64,800
$1,620
$19,440
$486
4,947
30%
$6.92
$360
2.5
Gilchrist County
$16.71
$869
$34,760
2.1
$65,400
$1,635
$19,620
$491
1,132
19%
$8.43
$438
2.0
Glades County
$14.35
$746
$29,840
1.8
$46,100
$1,153
$13,830
$346
821
22%
$12.73
$662
1.1
Gulf County
$13.60
$707
$28,280
1.7
$50,600
$1,265
$15,180
$380
1,461
27%
$11.49
$598
1.2
Hamilton County
$12.25
$637
$25,480
1.5
$48,700
$1,218
$14,610
$365
1,231
28%
$12.01
$624
1.0
Hardee County
$13.04
$678
$27,120
1.6
$44,600
$1,115
$13,380
$335
2,045
27%
$11.11
$578
1.2
Hendry County
$14.96
$778
$31,120
1.9
$41,600
$1,040
$12,480
$312
3,334
31%
$14.70
$764
1.0
Hernando County
$18.29
$951
$38,040
2.3
$57,400
$1,435
$17,220
$431
13,507
19%
$9.65
$502
1.9
Highlands County
$13.40
$697
$27,880
1.7
$44,000
$1,100
$13,200
$330
8,587
22%
$9.40
$489
1.4
Hillsborough County
$18.29
$951
$38,040
2.3
$57,400
$1,435
$17,220
$431
182,184
39%
$14.93
$776
1.2
Holmes County
$12.25
$637
$25,480
1.5
$44,600
$1,115
$13,380
$335
1,429
21%
$8.02
$417
1.5
Indian River County
$16.62
$864
$34,560
2.1
$54,700
$1,368
$16,410
$410
13,926
24%
$10.58
$550
1.6
Jackson County
$12.25
$637
$25,480
1.5
$54,500
$1,363
$16,350
$409
3,624
22%
$7.91
$411
1.5
Jefferson County
$17.50
$910
$36,400
2.2
$64,800
$1,620
$19,440
$486
1,242
23%
$6.71
$349
2.6
1: BR = Bedroom
49
Florida
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Lafayette County
$12.25
$637
$25,480
1.5
$58,200
$1,455
$17,460
$437
543
20%
$8.62
$448
1.4
Lake County
$18.90
$983
$39,320
2.4
$54,800
$1,370
$16,440
$411
27,495
23%
$10.09
$525
1.9
Lee County
$17.17
$893
$35,720
2.2
$58,000
$1,450
$17,400
$435
67,343
28%
$12.43
$647
1.4
Leon County
$17.50
$910
$36,400
2.2
$64,800
$1,620
$19,440
$486
49,643
45%
$10.60
$551
1.7
Levy County
$12.25
$637
$25,480
1.5
$45,900
$1,148
$13,770
$344
3,138
20%
$8.63
$449
1.4
Liberty County
$12.25
$637
$25,480
1.5
$53,600
$1,340
$16,080
$402
520
22%
$8.04
$418
1.5
Madison County
$12.63
$657
$26,280
1.6
$43,600
$1,090
$13,080
$327
1,699
25%
$7.38
$384
1.7
Manatee County *
$19.44
$1,011
$40,440
2.5
$57,300
$1,433
$17,190
$430
37,072
28%
$11.63
$605
1.7
Marion County
$15.13
$787
$31,480
1.9
$45,700
$1,143
$13,710
$343
31,028
23%
$10.74
$558
1.4
Martin County
$17.81
$926
$37,040
2.2
$56,900
$1,423
$17,070
$427
13,592
23%
$12.05
$627
1.5
Miami-Dade County
$22.42
$1,166
$46,640
2.8
$48,400
$1,210
$14,520
$363
357,182
43%
$15.01
$781
1.5
Monroe County
$26.27
$1,366
$54,640
3.3
$63,500
$1,588
$19,050
$476
10,713
37%
$13.43
$699
2.0
Nassau County
$17.98
$935
$37,400
2.3
$63,200
$1,580
$18,960
$474
5,714
21%
$11.55
$601
1.6
Okaloosa County
$17.10
$889
$35,560
2.2
$62,800
$1,570
$18,840
$471
24,366
34%
$11.69
$608
1.5
Okeechobee County
$14.60
$759
$30,360
1.8
$42,800
$1,070
$12,840
$321
3,479
26%
$11.32
$589
1.3
Orange County
$18.90
$983
$39,320
2.4
$54,800
$1,370
$16,440
$411
171,233
42%
$14.04
$730
1.3
Osceola County
$18.90
$983
$39,320
2.4
$54,800
$1,370
$16,440
$411
33,279
36%
$11.38
$592
1.7
Palm Beach County *
$23.12
$1,202
$48,080
2.9
$63,300
$1,583
$18,990
$475
147,297
28%
$16.10
$837
1.4
Pasco County
$18.29
$951
$38,040
2.3
$57,400
$1,435
$17,220
$431
41,065
22%
$11.34
$590
1.6
Pinellas County
$18.29
$951
$38,040
2.3
$57,400
$1,435
$17,220
$431
127,946
32%
$15.25
$793
1.2
Polk County
$15.52
$807
$32,280
2.0
$50,400
$1,260
$15,120
$378
64,645
29%
$12.39
$644
1.3
Putnam County
$12.52
$651
$26,040
1.6
$39,300
$983
$11,790
$295
6,734
23%
$8.61
$448
1.5
Santa Rosa County
$15.96
$830
$33,200
2.0
$58,400
$1,460
$17,520
$438
14,017
25%
$10.63
$553
1.5
Sarasota County *
$19.44
$1,011
$40,440
2.5
$57,300
$1,433
$17,190
$430
41,928
25%
$13.89
$722
1.4
Seminole County
$18.90
$983
$39,320
2.4
$54,800
$1,370
$16,440
$411
43,162
29%
$12.81
$666
1.5
St. Johns County
$17.98
$935
$37,400
2.3
$63,200
$1,580
$18,960
$474
17,253
23%
$10.54
$548
1.7
St. Lucie County
$17.81
$926
$37,040
2.2
$56,900
$1,423
$17,070
$427
26,539
25%
$11.41
$593
1.6
Sumter County
$13.71
$713
$28,520
1.7
$56,500
$1,413
$16,950
$424
4,014
10%
$9.79
$509
1.4
Suwannee County
$12.38
$644
$25,760
1.6
$46,500
$1,163
$13,950
$349
4,251
27%
$7.09
$369
1.7
Taylor County
$12.25
$637
$25,480
1.5
$50,000
$1,250
$15,000
$375
1,416
18%
$12.92
$672
0.9
Union County
$12.25
$637
$25,480
1.5
$57,300
$1,433
$17,190
$430
1,327
35%
$10.44
$543
1.2
1: BR = Bedroom
50
Florida
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Volusia County
$16.88
$878
$35,120
2.1
$51,500
$1,288
$15,450
$386
51,087
26%
$10.21
$531
Wakulla County
$14.60
$759
$30,360
1.8
$66,800
$1,670
$20,040
$501
2,143
20%
$8.38
$436
1.7
Walton County
$17.02
$885
$35,400
2.1
$58,100
$1,453
$17,430
$436
6,233
28%
$10.59
$551
1.6
Washington County
$12.25
$637
$25,480
1.5
$49,500
$1,238
$14,850
$371
1,962
23%
$8.69
$452
1.4
1.7
1: BR = Bedroom
51
Georgia
In Georgia, the Fair Market Rent (FMR) for a two-bedroom apartment is $809. In order to afford this level of rent
Wage of:
$15.57
In Georgia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Georgia, the estimated mean (average) wage for a renter is $13.57. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$104
$809
Two-Bedroom FMR
$1,452

$705

$436
$373
Minimum Wage Earner
$432
SSI Recipient
$593
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
52
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Georgia
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$15.57
$809
$32,375
2.1
$58,090
$1,452
$17,427
$436
1,193,190
34%
$13.57
$705
1.1
$12.89
$670
$26,820
1.8
$47,765
$1,194
$14,329
$358
211,833
32%
$9.28
$483
1.4
Metropolitan Areas
Albany MSA
$13.46
$700
$28,000
1.9
$41,500
$1,038
$12,450
$311
24,799
42%
$10.96
$570
1.2
Athens-Clarke County MSA
$13.87
$721
$28,840
1.9
$55,500
$1,388
$16,650
$416
27,933
42%
$9.61
$500
1.4
Atlanta-Sandy Springs-Marietta HMFA
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
629,208
34%
$15.42
$802
1.1
Augusta-Richmond County MSA
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
46,326
35%
$11.60
$603
1.2
Brunswick MSA
$12.88
$670
$26,800
1.8
$54,800
$1,370
$16,440
$411
13,272
31%
$10.00
$520
1.3
Butts County HMFA
$14.79
$769
$30,760
2.0
$63,500
$1,588
$19,050
$476
1,864
24%
$9.02
$469
1.6
Chattanooga MSA
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
14,243
25%
$9.16
$476
1.4
Columbus MSA
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
37,145
42%
$13.06
$679
1.0
Dalton HMFA
$13.40
$697
$27,880
1.8
$40,600
$1,015
$12,180
$305
11,554
34%
$12.04
$626
1.1
Gainesville MSA
$15.67
$815
$32,600
2.2
$56,100
$1,403
$16,830
$421
19,144
31%
$12.23
$636
1.3
Haralson County HMFA
$12.23
$636
$25,440
1.7
$46,300
$1,158
$13,890
$347
3,050
28%
$10.02
$521
1.2
Hinesville-Fort Stewart HMFA
$14.37
$747
$29,880
2.0
$50,000
$1,250
$15,000
$375
11,196
49%
$11.99
$624
1.2
Lamar County HMFA
$12.23
$636
$25,440
1.7
$46,600
$1,165
$13,980
$350
1,967
30%
$9.13
$475
1.3
Long County HMFA
$12.23
$636
$25,440
1.7
$49,700
$1,243
$14,910
$373
1,882
39%
$9.24
$480
1.3
Macon MSA
$14.04
$730
$29,200
1.9
$49,800
$1,245
$14,940
$374
29,045
39%
$10.20
$531
1.4
Meriwether County HMFA
$12.23
$636
$25,440
1.7
$47,500
$1,188
$14,250
$356
2,275
28%
$10.22
$531
1.2
Monroe County HMFA
$12.52
$651
$26,040
1.7
$63,200
$1,580
$18,960
$474
2,103
22%
$8.90
$463
1.4
Murray County HMFA
$12.83
$667
$26,680
1.8
$44,200
$1,105
$13,260
$332
4,239
30%
$10.01
$521
1.3
Rome MSA
$12.96
$674
$26,960
1.8
$52,300
$1,308
$15,690
$392
12,100
35%
$11.85
$616
1.1
Savannah MSA
$16.54
$860
$34,400
2.3
$58,500
$1,463
$17,550
$439
50,136
38%
$12.96
$674
1.3
Valdosta MSA
$13.83
$719
$28,760
1.9
$45,200
$1,130
$13,560
$339
21,125
42%
$9.48
$493
1.5
Warner Robins MSA
$14.62
$760
$30,400
2.0
$64,400
$1,610
$19,320
$483
16,751
32%
$10.10
$525
1.4
Appling County
$12.23
$636
$25,440
1.7
$43,700
$1,093
$13,110
$328
2,184
31%
$14.09
$733
0.9
Atkinson County
$12.23
$636
$25,440
1.7
$36,700
$918
$11,010
$275
871
32%
$6.85
$356
1.8
Bacon County
$12.23
$636
$25,440
1.7
$44,500
$1,113
$13,350
$334
1,267
32%
$8.12
$422
1.5
Counties
Wage data not available (See Appendix A).
1: BR = Bedroom
53
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Baker County
$13.46
$700
$28,000
1.9
$41,500
$1,038
$12,450
$311
511
35%
$8.33
$433
1.6
Baldwin County
$13.65
$710
$28,400
1.9
$51,300
$1,283
$15,390
$385
6,807
41%
$8.06
$419
1.7
Banks County
$13.50
$702
$28,080
1.9
$51,300
$1,283
$15,390
$385
1,411
21%
$7.78
$405
1.7
Barrow County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
5,254
22%
$9.89
$514
1.7
Bartow County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
10,809
31%
$11.44
$595
1.5
Ben Hill County
$12.75
$663
$26,520
1.8
$39,800
$995
$11,940
$299
2,439
38%
$9.76
$507
1.3
Berrien County
$12.23
$636
$25,440
1.7
$43,200
$1,080
$12,960
$324
2,054
29%
$9.13
$475
1.3
Bibb County
$14.04
$730
$29,200
1.9
$49,800
$1,245
$14,940
$374
25,400
44%
$10.36
$539
1.4
Bleckley County
$12.23
$636
$25,440
1.7
$53,700
$1,343
$16,110
$403
1,118
27%
$6.34
$330
1.9
Brantley County
$12.88
$670
$26,800
1.8
$54,800
$1,370
$16,440
$411
1,046
16%
$5.91
$307
2.2
Brooks County
$13.83
$719
$28,760
1.9
$45,200
$1,130
$13,560
$339
2,080
32%
$6.65
$346
2.1
Bryan County
$16.54
$860
$34,400
2.3
$58,500
$1,463
$17,550
$439
3,038
28%
$7.87
$409
2.1
Bulloch County
$13.94
$725
$29,000
1.9
$52,700
$1,318
$15,810
$395
11,972
48%
$8.00
$416
1.7
Burke County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
2,191
28%
$12.95
$673
1.1
Butts County
$14.79
$769
$30,760
2.0
$63,500
$1,588
$19,050
$476
1,864
24%
$9.02
$469
1.6
Calhoun County
$12.23
$636
$25,440
1.7
$47,300
$1,183
$14,190
$355
477
27%
$7.55
$393
1.6
Camden County
$15.63
$813
$32,520
2.2
$62,400
$1,560
$18,720
$468
6,173
34%
$12.10
$629
1.3
Candler County
$12.23
$636
$25,440
1.7
$43,100
$1,078
$12,930
$323
1,297
34%
$10.05
$522
1.2
Carroll County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
12,654
32%
$10.21
$531
1.7
Catoosa County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
5,773
24%
$8.87
$461
1.5
Charlton County
$12.35
$642
$25,680
1.7
$50,700
$1,268
$15,210
$380
825
22%
$7.35
$382
1.7
Chatham County
$16.54
$860
$34,400
2.3
$58,500
$1,463
$17,550
$439
42,675
42%
$13.31
$692
1.2
Chattahoochee County
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
1,796
70%
$25.27
$1,314
0.5
Chattooga County
$12.23
$636
$25,440
1.7
$40,700
$1,018
$12,210
$305
2,755
29%
$9.35
$486
1.3
Cherokee County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
15,293
20%
$10.15
$528
1.7
Clarke County
$13.87
$721
$28,840
1.9
$55,500
$1,388
$16,650
$416
22,408
55%
$9.92
$516
1.4
Clay County
$12.71
$661
$26,440
1.8
$32,600
$815
$9,780
$245
412
32%
$7.04
$366
1.8
Clayton County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
36,833
43%
$16.74
$870
1.0
Clinch County
$12.23
$636
$25,440
1.7
$45,300
$1,133
$13,590
$340
818
32%
$8.59
$447
1.4
Cobb County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
84,246
32%
$15.31
$796
1.1
Coffee County
$12.23
$636
$25,440
1.7
$40,800
$1,020
$12,240
$306
4,679
32%
$9.02
$469
1.4
1: BR = Bedroom
54
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Colquitt County
$12.23
$636
$25,440
1.7
$42,600
$1,065
$12,780
$320
5,450
35%
$8.64
$449
1.4
Columbia County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
9,230
21%
$9.84
$511
1.4
Cook County
$12.60
$655
$26,200
1.7
$47,400
$1,185
$14,220
$356
1,887
29%
$9.45
$491
1.3
Coweta County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
12,199
26%
$10.14
$527
1.7
Crawford County
$14.04
$730
$29,200
1.9
$49,800
$1,245
$14,940
$374
902
19%
$6.01
$313
2.3
Crisp County
$12.35
$642
$25,680
1.7
$43,900
$1,098
$13,170
$329
3,587
40%
$9.24
$481
1.3
Dade County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
1,396
22%
$10.67
$555
1.2
Dawson County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
1,964
24%
$8.93
$464
1.9
Decatur County
$12.58
$654
$26,160
1.7
$43,200
$1,080
$12,960
$324
3,976
38%
$8.50
$442
1.5
DeKalb County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
111,762
42%
$15.73
$818
1.1
Dodge County
$12.23
$636
$25,440
1.7
$46,300
$1,158
$13,890
$347
2,471
30%
$7.14
$371
1.7
Dooly County
$12.23
$636
$25,440
1.7
$44,400
$1,110
$13,320
$333
1,563
31%
$7.95
$413
1.5
Dougherty County
$13.46
$700
$28,000
1.9
$41,500
$1,038
$12,450
$311
18,519
52%
$11.44
$595
1.2
Douglas County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
13,441
29%
$10.52
$547
1.6
Early County
$12.23
$636
$25,440
1.7
$42,600
$1,065
$12,780
$320
1,391
34%
$11.19
$582
1.1
Echols County
$13.83
$719
$28,760
1.9
$45,200
$1,130
$13,560
$339
402
30%
$7.80
$405
1.8
Effingham County
$16.54
$860
$34,400
2.3
$58,500
$1,463
$17,550
$439
4,423
25%
$10.21
$531
1.6
Elbert County
$12.23
$636
$25,440
1.7
$38,900
$973
$11,670
$292
2,317
30%
$9.10
$473
1.3
Emanuel County
$12.23
$636
$25,440
1.7
$38,700
$968
$11,610
$290
2,802
35%
$8.89
$462
1.4
1.1
Evans County
$12.23
$636
$25,440
1.7
$46,700
$1,168
$14,010
$350
1,515
37%
$10.95
$570
Fannin County
$12.23
$636
$25,440
1.7
$43,700
$1,093
$13,110
$328
2,014
20%
$8.61
$448
1.4
Fayette County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
6,088
16%
$10.38
$540
1.7
Floyd County
$12.96
$674
$26,960
1.8
$52,300
$1,308
$15,690
$392
12,100
35%
$11.85
$616
1.1
Forsyth County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
7,845
14%
$9.75
$507
1.8
Franklin County
$12.23
$636
$25,440
1.7
$45,600
$1,140
$13,680
$342
2,535
29%
$8.90
$463
1.4
Fulton County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
166,057
45%
$19.05
$991
0.9
Gilmer County
$13.37
$695
$27,800
1.8
$46,200
$1,155
$13,860
$347
3,093
27%
$9.52
$495
1.4
Glascock County
$12.23
$636
$25,440
1.7
$50,100
$1,253
$15,030
$376
360
30%
$10.79
$561
1.1
Glynn County
$12.88
$670
$26,800
1.8
$54,800
$1,370
$16,440
$411
11,272
36%
$10.27
$534
1.3
Gordon County
$13.56
$705
$28,200
1.9
$52,000
$1,300
$15,600
$390
6,189
32%
$10.61
$552
1.3
Grady County
$12.23
$636
$25,440
1.7
$42,900
$1,073
$12,870
$322
3,572
37%
$7.57
$394
1.6
1: BR = Bedroom
55
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Greene County
$12.56
$653
$26,120
1.7
$47,000
$1,175
$14,100
$353
1,583
24%
$7.98
$415
1.6
Gwinnett County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
80,662
30%
$13.83
$719
1.2
Habersham County
$12.23
$636
$25,440
1.7
$52,100
$1,303
$15,630
$391
3,545
24%
$9.04
$470
1.4
Hall County
$15.67
$815
$32,600
2.2
$56,100
$1,403
$16,830
$421
19,144
31%
$12.23
$636
1.3
Hancock County
$12.23
$636
$25,440
1.7
$32,900
$823
$9,870
$247
714
25%
$9.33
$485
1.3
Haralson County
$12.23
$636
$25,440
1.7
$46,300
$1,158
$13,890
$347
3,050
28%
$10.02
$521
1.2
Harris County
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
1,531
14%
$7.57
$394
1.8
Hart County
$12.23
$636
$25,440
1.7
$48,900
$1,223
$14,670
$367
2,310
23%
$8.10
$421
1.5
Heard County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
1,075
25%
$14.27
$742
1.2
Henry County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
16,498
24%
$10.14
$527
1.7
Houston County
$14.62
$760
$30,400
2.0
$64,400
$1,610
$19,320
$483
16,751
32%
$10.10
$525
1.4
Irwin County
$12.23
$636
$25,440
1.7
$52,200
$1,305
$15,660
$392
821
26%
$6.65
$346
1.8
Jackson County
$14.94
$777
$31,080
2.1
$61,500
$1,538
$18,450
$461
4,935
23%
$8.39
$436
1.8
Jasper County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
1,173
23%
$6.88
$358
2.5
Jeff Davis County
$12.23
$636
$25,440
1.7
$45,500
$1,138
$13,650
$341
1,734
30%
$8.27
$430
1.5
Jefferson County
$12.23
$636
$25,440
1.7
$38,600
$965
$11,580
$290
2,007
32%
$11.72
$610
1.0
Jenkins County
$12.23
$636
$25,440
1.7
$27,900
$698
$8,370
$209
835
26%
$8.13
$423
1.5
Johnson County
$12.23
$636
$25,440
1.7
$38,900
$973
$11,670
$292
785
24%
$6.91
$359
1.8
Jones County
$14.04
$730
$29,200
1.9
$49,800
$1,245
$14,940
$374
2,135
20%
$7.39
$384
1.9
Lamar County
$12.23
$636
$25,440
1.7
$46,600
$1,165
$13,980
$350
1,967
30%
$9.13
$475
1.3
Lanier County
$13.83
$719
$28,760
1.9
$45,200
$1,130
$13,560
$339
1,298
36%
$7.54
$392
1.8
Laurens County
$12.23
$636
$25,440
1.7
$47,400
$1,185
$14,220
$356
5,877
34%
$8.21
$427
1.5
Lee County
$13.46
$700
$28,000
1.9
$41,500
$1,038
$12,450
$311
2,388
25%
$9.15
$476
1.5
Liberty County
$14.37
$747
$29,880
2.0
$50,000
$1,250
$15,000
$375
11,196
49%
$11.99
$624
1.2
Lincoln County
$12.23
$636
$25,440
1.7
$46,500
$1,163
$13,950
$349
651
19%
$7.50
$390
1.6
Long County
$12.23
$636
$25,440
1.7
$49,700
$1,243
$14,910
$373
1,882
39%
$9.24
$480
1.3
Lowndes County
$13.83
$719
$28,760
1.9
$45,200
$1,130
$13,560
$339
17,345
44%
$9.77
$508
1.4
Lumpkin County
$14.35
$746
$29,840
2.0
$55,200
$1,380
$16,560
$414
3,222
30%
$8.14
$423
1.8
Macon County
$12.23
$636
$25,440
1.7
$38,100
$953
$11,430
$286
1,613
34%
$12.92
$672
0.9
Madison County
$13.87
$721
$28,840
1.9
$55,500
$1,388
$16,650
$416
2,303
25%
$7.82
$407
1.8
Marion County
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
861
28%
$7.01
$365
1.9
1: BR = Bedroom
56
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
McDuffie County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
2,759
34%
$8.03
$418
McIntosh County
$12.88
$670
$26,800
1.8
$54,800
$1,370
$16,440
$411
954
19%
$7.75
$403
1.7
Meriwether County
$12.23
$636
$25,440
1.7
$47,500
$1,188
$14,250
$356
2,275
28%
$10.22
$531
1.2
Miller County
$12.23
$636
$25,440
1.7
$42,800
$1,070
$12,840
$321
718
29%
$8.48
$441
1.4
Mitchell County
$13.25
$689
$27,560
1.8
$47,700
$1,193
$14,310
$358
2,885
35%
$7.06
$367
1.9
Monroe County
$12.52
$651
$26,040
1.7
$63,200
$1,580
$18,960
$474
2,103
22%
$8.90
$463
1.4
Montgomery County
$12.23
$636
$25,440
1.7
$46,200
$1,155
$13,860
$347
966
30%
$8.60
$447
1.4
Morgan County
$13.44
$699
$27,960
1.9
$62,400
$1,560
$18,720
$468
1,648
25%
$10.11
$526
1.3
Murray County
$12.83
$667
$26,680
1.8
$44,200
$1,105
$13,260
$332
4,239
30%
$10.01
$521
1.3
Muscogee County
$13.56
$705
$28,200
1.9
$51,000
$1,275
$15,300
$383
32,957
46%
$13.02
$677
1.0
Newton County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
8,775
26%
$10.14
$527
1.7
Oconee County
$13.87
$721
$28,840
1.9
$55,500
$1,388
$16,650
$416
2,268
20%
$8.41
$437
1.6
Oglethorpe County
$13.87
$721
$28,840
1.9
$55,500
$1,388
$16,650
$416
954
19%
$7.72
$401
1.8
Paulding County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
8,631
18%
$8.54
$444
2.0
Peach County
$12.33
$641
$25,640
1.7
$55,600
$1,390
$16,680
$417
3,121
33%
$6.68
$347
1.8
Pickens County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
2,494
22%
$8.80
$458
2.0
Pierce County
$12.23
$636
$25,440
1.7
$48,700
$1,218
$14,610
$365
1,747
25%
$9.14
$475
1.3
Pike County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
982
16%
$7.22
$375
2.4
Polk County
$12.90
$671
$26,840
1.8
$49,100
$1,228
$14,730
$368
4,321
30%
$8.61
$448
1.5
Pulaski County
$12.23
$636
$25,440
1.7
$47,500
$1,188
$14,250
$356
1,390
32%
$8.53
$443
1.4
Putnam County
$15.52
$807
$32,280
2.1
$51,100
$1,278
$15,330
$383
2,028
23%
$9.03
$469
1.7
Quitman County
$12.23
$636
$25,440
1.7
$38,300
$958
$11,490
$287
278
28%
$13.75
$715
0.9
Rabun County
$14.75
$767
$30,680
2.0
$52,300
$1,308
$15,690
$392
1,827
27%
$7.79
$405
1.9
Randolph County
$12.23
$636
$25,440
1.7
$36,600
$915
$10,980
$275
758
27%
$9.49
$494
1.3
Richmond County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
32,146
44%
$12.36
$643
1.1
Rockdale County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
8,527
29%
$13.28
$691
1.3
Schley County
$12.23
$636
$25,440
1.7
$51,500
$1,288
$15,450
$386
570
33%
$10.46
$544
1.2
Screven County
$12.23
$636
$25,440
1.7
$46,700
$1,168
$14,010
$350
1,244
26%
$7.13
$371
1.7
Seminole County
$12.23
$636
$25,440
1.7
$40,400
$1,010
$12,120
$303
722
22%
$11.74
$610
1.0
Spalding County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
8,653
38%
$9.98
$519
1.7
Stephens County
$13.19
$686
$27,440
1.8
$49,300
$1,233
$14,790
$370
2,380
25%
$9.45
$492
1.4
1.7
1: BR = Bedroom
57
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Stewart County
$12.23
$636
$25,440
1.7
$41,100
$1,028
$12,330
$308
691
36%
$7.93
$412
1.5
Sumter County
$12.23
$636
$25,440
1.7
$45,200
$1,130
$13,560
$339
4,682
41%
$8.53
$444
1.4
Talbot County
$13.73
$714
$28,560
1.9
$46,100
$1,153
$13,830
$346
605
23%
$9.13
$475
1.5
Taliaferro County
$15.77
$820
$32,800
2.2
$32,300
$808
$9,690
$242
189
28%
Tattnall County
$12.23
$636
$25,440
1.7
$46,900
$1,173
$14,070
$352
2,329
29%
$7.88
$410
1.6
Taylor County
$12.23
$636
$25,440
1.7
$40,400
$1,010
$12,120
$303
1,167
33%
$13.14
$683
0.9
Telfair County
$12.23
$636
$25,440
1.7
$32,900
$823
$9,870
$247
2,169
37%
$7.96
$414
1.5
Terrell County
$13.46
$700
$28,000
1.9
$41,500
$1,038
$12,450
$311
1,279
38%
$8.21
$427
1.6
Thomas County
$13.42
$698
$27,920
1.9
$47,100
$1,178
$14,130
$353
7,776
45%
$11.76
$612
1.1
Tift County
$12.58
$654
$26,160
1.7
$48,800
$1,220
$14,640
$366
4,989
36%
$8.43
$439
1.5
Toombs County
$12.23
$636
$25,440
1.7
$47,500
$1,188
$14,250
$356
4,048
39%
$8.64
$449
1.4
Towns County
$13.12
$682
$27,280
1.8
$51,400
$1,285
$15,420
$386
670
15%
$7.45
$387
1.8
Treutlen County
$12.23
$636
$25,440
1.7
$46,100
$1,153
$13,830
$346
758
32%
$5.38
$280
2.3
Troup County
$13.46
$700
$28,000
1.9
$49,000
$1,225
$14,700
$368
9,379
38%
$11.28
$587
1.2
Turner County
$12.23
$636
$25,440
1.7
$43,600
$1,090
$13,080
$327
1,142
37%
$6.11
$318
2.0
Twiggs County
$14.04
$730
$29,200
1.9
$49,800
$1,245
$14,940
$374
608
20%
$8.72
$453
1.6
Union County
$13.88
$722
$28,880
1.9
$52,800
$1,320
$15,840
$396
2,141
23%
$7.85
$408
1.8
Upson County
$12.23
$636
$25,440
1.7
$44,600
$1,115
$13,380
$335
3,386
33%
$9.33
$485
1.3
Walker County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
7,074
27%
$9.06
$471
1.4
Walton County
$17.23
$896
$35,840
2.4
$64,400
$1,610
$19,320
$483
7,293
25%
$8.17
$425
2.1
Ware County
$12.31
$640
$25,600
1.7
$48,900
$1,223
$14,670
$367
4,318
33%
$10.22
$532
1.2
Warren County
$12.23
$636
$25,440
1.7
$42,000
$1,050
$12,600
$315
715
31%
$9.37
$487
1.3
Washington County
$12.23
$636
$25,440
1.7
$46,400
$1,160
$13,920
$348
1,904
27%
$9.88
$514
1.2
Wayne County
$12.23
$636
$25,440
1.7
$49,900
$1,248
$14,970
$374
2,928
29%
$11.80
$614
1.0
Webster County
$12.23
$636
$25,440
1.7
$47,100
$1,178
$14,130
$353
171
14%
$6.02
$313
2.0
Wheeler County
$12.23
$636
$25,440
1.7
$41,500
$1,038
$12,450
$311
633
31%
$10.16
$528
1.2
White County
$12.48
$649
$25,960
1.7
$53,500
$1,338
$16,050
$401
3,114
26%
$7.54
$392
1.7
Whitfield County
$13.40
$697
$27,880
1.8
$40,600
$1,015
$12,180
$305
11,554
34%
$12.04
$626
1.1
Wilcox County
$12.23
$636
$25,440
1.7
$40,900
$1,023
$12,270
$307
531
20%
$10.84
$564
1.1
Wilkes County
$12.23
$636
$25,440
1.7
$38,900
$973
$11,670
$292
1,230
30%
$7.15
$372
1.7
Wilkinson County
$12.23
$636
$25,440
1.7
$46,700
$1,168
$14,010
$350
652
20%
$14.39
$748
0.9
1: BR = Bedroom
58
Georgia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Worth County
$13.46
HOUSING COSTS
2 BR
FMR
$700
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
$28,000
RENTER HOUSEHOLDS
1.9
Annual
3
AMI
$41,500
Monthly
rent 4
affordable
at AMI
$1,038
30%
5
of AMI
$12,450
Monthly
rent
affordable
at 30%
of AMI
$311
Renter
% of total
(2008-2012) (2008-2012)
2,102
26%
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$8.78
$456
1.5
1: BR = Bedroom
59
Hawaii
In Hawaii, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,640. In order to afford this level of rent
Wage of:
$31.54
In Hawaii, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Hawaii, the estimated mean (average) wage for a renter is $13.86. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$919
$1,640
Two-Bedroom FMR
$1,937

$721
$581
$1,059
Minimum Wage Earner
$1,263
SSI Recipient
$1,424
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
$2,500
60
Hawaii
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Hawaii
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$31.54
$1,640
$65,600
4.4
$77,463
$1,937
$23,239
$581
187,185
42%
$13.86
$721
2.3
$22.69
$1,180
$47,206
3.1
$66,060
$1,652
$19,818
$495
52,655
38%
$12.17
$633
1.9
$35.00
$1,820
$72,800
4.8
$82,600
$2,065
$24,780
$620
134,530
44%
$14.52
$755
2.4
Metropolitan Areas
Honolulu MSA *
Counties
Hawaii County
$18.27
$950
$38,000
2.5
$56,700
$1,418
$17,010
$425
22,514
35%
$10.85
$564
1.7
Honolulu County *
$35.00
$1,820
$72,800
4.8
$82,600
$2,065
$24,780
$620
134,530
44%
$14.52
$755
2.4
Kalawao County
$12.25
$637
$25,480
1.7
$97,900
$2,448
$29,370
$734
48
100%
Kauai County
$30.71
$1,597
$63,880
4.2
$70,300
$1,758
$21,090
$527
8,191
37%
$12.46
$648
2.5
Maui County
$24.27
$1,262
$50,480
3.3
$75,800
$1,895
$22,740
$569
21,902
42%
$13.18
$685
1.8
1: BR = Bedroom
61
Idaho
In Idaho, the Fair Market Rent (FMR) for a two-bedroom apartment is $692. In order to afford this level of rent and
utilities without paying more than 30% of income on housing a household must earn $2,308 monthly or $27,695
annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a Housing Wage of:
$13.31
In Idaho, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Idaho, the estimated mean (average) wage for a renter is $10.54. In order to afford the FMR for a two-bedroom
FMR affordable.
$692
Two-Bedroom FMR
$1,373

$548
$412
$280
Minimum Wage Earner
$315
SSI Recipient
$476
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$144
$216
$0
$500
$1,000
$1,500
62
Idaho
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Idaho
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.31
$692
$27,695
1.8
$54,903
$1,373
$16,471
$412
172,785
30%
$10.54
$548
1.3
$12.79
$665
$26,605
1.8
$53,380
$1,335
$16,014
$400
59,771
30%
$10.58
$550
1.2
Metropolitan Areas
Boise City-Nampa HMFA
$13.83
$719
$28,760
1.9
$55,600
$1,390
$16,680
$417
68,363
31%
$11.44
$595
1.2
Coeur d'Alene MSA
$14.48
$753
$30,120
2.0
$55,800
$1,395
$16,740
$419
16,485
30%
$9.75
$507
1.5
Gem County HMFA
$12.29
$639
$25,560
1.7
$52,800
$1,320
$15,840
$396
1,645
25%
$7.12
$370
1.7
Idaho Falls MSA
$12.69
$660
$26,400
1.8
$57,000
$1,425
$17,100
$428
10,790
25%
$8.21
$427
1.5
Lewiston MSA
$12.67
$659
$26,360
1.7
$56,800
$1,420
$17,040
$426
5,307
33%
$10.21
$531
1.2
Logan MSA
$12.25
$637
$25,480
1.7
$58,300
$1,458
$17,490
$437
750
18%
$7.78
$405
1.6
Pocatello MSA
$12.25
$637
$25,480
1.7
$54,200
$1,355
$16,260
$407
9,674
30%
$8.49
$441
1.4
Ada County
$13.83
$719
$28,760
1.9
$55,600
$1,390
$16,680
$417
47,844
32%
$11.98
$623
1.2
Adams County
$12.25
$637
$25,480
1.7
$46,900
$1,173
$14,070
$352
339
20%
$10.79
$561
1.1
Bannock County
$12.25
$637
$25,480
1.7
$54,200
$1,355
$16,260
$407
9,003
30%
$7.55
$392
1.6
Bear Lake County
$12.25
$637
$25,480
1.7
$50,200
$1,255
$15,060
$377
472
19%
$9.15
$476
1.3
Benewah County
$12.25
$637
$25,480
1.7
$42,000
$1,050
$12,600
$315
915
24%
$13.18
$685
0.9
Bingham County
$12.25
$637
$25,480
1.7
$56,100
$1,403
$16,830
$421
3,437
23%
$8.92
$464
1.4
Blaine County
$17.81
$926
$37,040
2.5
$80,600
$2,015
$24,180
$605
2,938
32%
$13.61
$708
1.3
Boise County
$13.83
$719
$28,760
1.9
$55,600
$1,390
$16,680
$417
612
21%
$4.93
$256
2.8
Bonner County
$13.25
$689
$27,560
1.8
$53,800
$1,345
$16,140
$404
4,925
28%
$10.89
$567
1.2
Bonneville County
$12.69
$660
$26,400
1.8
$57,000
$1,425
$17,100
$428
9,390
26%
$8.37
$435
1.5
Boundary County
$12.25
$637
$25,480
1.7
$47,100
$1,178
$14,130
$353
997
24%
$8.59
$447
1.4
Butte County
$12.25
$637
$25,480
1.7
$49,200
$1,230
$14,760
$369
207
19%
$19.53
$1,016
0.6
Camas County
$12.25
$637
$25,480
1.7
$46,800
$1,170
$14,040
$351
153
34%
$16.29
$847
0.8
Canyon County
$13.83
$719
$28,760
1.9
$55,600
$1,390
$16,680
$417
18,522
29%
$9.53
$495
1.5
Caribou County
$12.25
$637
$25,480
1.7
$62,200
$1,555
$18,660
$467
489
19%
$17.20
$894
0.7
Cassia County
$12.25
$637
$25,480
1.7
$52,500
$1,313
$15,750
$394
2,341
31%
$7.82
$407
1.6
Clark County
$12.25
$637
$25,480
1.7
$41,000
$1,025
$12,300
$308
99
33%
$17.07
$888
0.7
Clearwater County
$12.25
$637
$25,480
1.7
$49,100
$1,228
$14,730
$368
715
20%
$10.44
$543
1.2
Counties
1: BR = Bedroom
63
Idaho
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Custer County
$12.25
$637
$25,480
1.7
$62,300
$1,558
$18,690
$467
350
19%
$12.13
$631
1.0
Elmore County
$12.25
$637
$25,480
1.7
$50,400
$1,260
$15,120
$378
3,328
35%
$9.45
$491
1.3
Franklin County
$12.25
$637
$25,480
1.7
$58,300
$1,458
$17,490
$437
750
18%
$7.78
$405
1.6
Fremont County
$12.37
$643
$25,720
1.7
$51,900
$1,298
$15,570
$389
730
16%
$9.14
$475
1.4
Gem County
$12.29
$639
$25,560
1.7
$52,800
$1,320
$15,840
$396
1,645
25%
$7.12
$370
1.7
Gooding County
$12.25
$637
$25,480
1.7
$50,800
$1,270
$15,240
$381
1,616
29%
$11.78
$612
1.0
Idaho County
$12.25
$637
$25,480
1.7
$42,300
$1,058
$12,690
$317
1,480
22%
$11.21
$583
1.1
Jefferson County
$12.69
$660
$26,400
1.8
$57,000
$1,425
$17,100
$428
1,400
17%
$6.81
$354
1.9
Jerome County
$12.33
$641
$25,640
1.7
$47,200
$1,180
$14,160
$354
2,695
36%
$11.87
$617
1.0
Kootenai County
$14.48
$753
$30,120
2.0
$55,800
$1,395
$16,740
$419
16,485
30%
$9.75
$507
1.5
Latah County
$12.60
$655
$26,200
1.7
$59,800
$1,495
$17,940
$449
6,731
45%
$7.24
$377
1.7
Lemhi County
$12.25
$637
$25,480
1.7
$54,200
$1,355
$16,260
$407
906
24%
$6.86
$357
1.8
Lewis County
$12.25
$637
$25,480
1.7
$43,900
$1,098
$13,170
$329
421
25%
$7.23
$376
1.7
Lincoln County
$12.25
$637
$25,480
1.7
$52,400
$1,310
$15,720
$393
428
26%
$10.64
$553
1.2
Madison County
$12.54
$652
$26,080
1.7
$41,700
$1,043
$12,510
$313
5,017
50%
$8.61
$448
1.5
Minidoka County
$12.25
$637
$25,480
1.7
$51,900
$1,298
$15,570
$389
1,791
26%
$10.03
$522
1.2
Nez Perce County
$12.67
$659
$26,360
1.7
$56,800
$1,420
$17,040
$426
5,307
33%
$10.21
$531
1.2
Oneida County
$12.25
$637
$25,480
1.7
$57,100
$1,428
$17,130
$428
268
17%
$3.83
$199
3.2
Owyhee County
$13.83
$719
$28,760
1.9
$55,600
$1,390
$16,680
$417
1,385
36%
$11.04
$574
1.3
Payette County
$12.58
$654
$26,160
1.7
$54,400
$1,360
$16,320
$408
1,974
24%
$8.54
$444
1.5
Power County
$12.25
$637
$25,480
1.7
$54,200
$1,355
$16,260
$407
671
26%
$17.05
$887
0.7
Shoshone County
$12.25
$637
$25,480
1.7
$48,300
$1,208
$14,490
$362
1,818
31%
$13.75
$715
0.9
Teton County
$13.27
$690
$27,600
1.8
$59,400
$1,485
$17,820
$446
1,108
30%
$10.09
$525
1.3
Twin Falls County
$12.73
$662
$26,480
1.8
$51,700
$1,293
$15,510
$388
9,266
33%
$10.01
$521
1.3
Valley County
$13.23
$688
$27,520
1.8
$67,700
$1,693
$20,310
$508
785
22%
$9.04
$470
1.5
Washington County
$12.25
$637
$25,480
1.7
$50,100
$1,253
$15,030
$376
1,032
26%
$7.08
$368
1.7
1: BR = Bedroom
64
Illinois
In Illinois, the Fair Market Rent (FMR) for a two-bedroom apartment is $902. In order to afford this level of rent and
$17.34
In Illinois, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a two-bedroom
In Illinois, the estimated mean (average) wage for a renter is $14.40. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$153
$902
Two-Bedroom FMR
$1,724

$749

$517
$385
Minimum Wage Earner
$473
SSI Recipient
$686
$429
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
65
Illinois
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Illinois
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$17.34
$902
$36,064
2.1
$68,973
$1,724
$20,692
$517
1,525,754
32%
$14.40
$749
1.2
$12.74
$662
$26,495
1.5
$58,358
$1,459
$17,507
$438
171,811
26%
$9.36
$487
1.4
Metropolitan Areas
Bloomington-Normal MSA
$16.63
$865
$34,600
2.0
$81,700
$2,043
$24,510
$613
20,866
33%
$11.34
$589
1.5
Bond County HMFA
$13.21
$687
$27,480
1.6
$63,400
$1,585
$19,020
$476
1,418
22%
$9.11
$474
1.5
Cape Girardeau-Jackson MSA
$13.06
$679
$27,160
1.6
$53,400
$1,335
$16,020
$401
1,053
34%
$8.68
$452
1.5
Champaign-Urbana MSA
$16.58
$862
$34,480
2.0
$66,800
$1,670
$20,040
$501
38,431
42%
$9.73
$506
1.7
Chicago-Naperville-Joliet HMFA
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
1,029,391
34%
$16.06
$835
1.2
Danville MSA
$13.67
$711
$28,440
1.7
$53,300
$1,333
$15,990
$400
9,297
29%
$9.19
$478
1.5
Davenport-Moline-Rock Island MSA
$13.13
$683
$27,320
1.6
$62,800
$1,570
$18,840
$471
23,376
27%
$13.30
$692
1.0
Decatur MSA
$13.15
$684
$27,360
1.6
$63,700
$1,593
$19,110
$478
13,738
30%
$11.85
$616
1.1
DeKalb County HMFA
$16.85
$876
$35,040
2.0
$67,600
$1,690
$20,280
$507
14,564
38%
$8.98
$467
1.9
Grundy County HMFA
$17.56
$913
$36,520
2.1
$79,900
$1,998
$23,970
$599
4,296
24%
$14.54
$756
1.2
Kankakee-Bradley MSA
$14.58
$758
$30,320
1.8
$53,800
$1,345
$16,140
$404
12,662
31%
$10.13
$527
1.4
Kendall County HMFA
$19.21
$999
$39,960
2.3
$94,500
$2,363
$28,350
$709
5,603
15%
$10.24
$533
1.9
Macoupin County HMFA
$12.25
$637
$25,480
1.5
$63,500
$1,588
$19,050
$476
4,446
23%
$8.03
$418
1.5
Peoria MSA
$13.94
$725
$29,000
1.7
$63,700
$1,593
$19,110
$478
41,407
27%
$13.82
$719
1.0
Rockford MSA
$14.50
$754
$30,160
1.8
$55,900
$1,398
$16,770
$419
39,541
30%
$10.45
$544
1.4
Springfield MSA
$14.29
$743
$29,720
1.7
$69,600
$1,740
$20,880
$522
24,621
28%
$9.60
$499
1.5
St. Louis HMFA
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
69,233
28%
$9.15
$476
1.7
Adams County
$12.25
$637
$25,480
1.5
$58,100
$1,453
$17,430
$436
6,863
26%
$9.54
$496
1.3
Alexander County
$13.06
$679
$27,160
1.6
$53,400
$1,335
$16,020
$401
1,053
34%
$8.68
$452
1.5
Bond County
$13.21
$687
$27,480
1.6
$63,400
$1,585
$19,020
$476
1,418
22%
$9.11
$474
1.5
Boone County
$14.50
$754
$30,160
1.8
$55,900
$1,398
$16,770
$419
2,843
16%
$9.52
$495
1.5
Counties
Brown County
$14.96
$778
$31,120
1.8
$56,400
$1,410
$16,920
$423
572
27%
$13.83
$719
1.1
Bureau County
$12.79
$665
$26,600
1.6
$60,400
$1,510
$18,120
$453
3,516
25%
$9.80
$510
1.3
Calhoun County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
424
20%
$5.04
$262
3.1
Carroll County
$12.25
$637
$25,480
1.5
$57,500
$1,438
$17,250
$431
1,608
24%
$8.46
$440
1.4
1: BR = Bedroom
66
Illinois
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Cass County
$12.52
$651
$26,040
1.5
$53,800
$1,345
$16,140
$404
1,483
29%
$10.34
$538
1.2
Champaign County
$16.58
$862
$34,480
2.0
$66,800
$1,670
$20,040
$501
36,145
46%
$9.68
$504
1.7
Christian County
$12.92
$672
$26,880
1.6
$58,200
$1,455
$17,460
$437
3,695
26%
$9.27
$482
1.4
Clark County
$13.40
$697
$27,880
1.6
$57,200
$1,430
$17,160
$429
1,592
24%
$10.28
$534
1.3
Clay County
$12.25
$637
$25,480
1.5
$51,400
$1,285
$15,420
$386
1,244
22%
$10.44
$543
1.2
Clinton County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
2,483
18%
$8.41
$437
1.9
Coles County
$12.83
$667
$26,680
1.6
$59,900
$1,498
$17,970
$449
7,964
38%
$8.31
$432
1.5
Cook County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
793,535
41%
$17.30
$900
1.1
Crawford County
$12.25
$637
$25,480
1.5
$56,300
$1,408
$16,890
$422
1,467
19%
$10.61
$552
1.2
Cumberland County
$12.25
$637
$25,480
1.5
$57,500
$1,438
$17,250
$431
715
17%
$9.81
$510
1.2
De Witt County
$12.25
$637
$25,480
1.5
$63,400
$1,585
$19,020
$476
1,524
23%
$13.92
$724
0.9
DeKalb County
$16.85
$876
$35,040
2.0
$67,600
$1,690
$20,280
$507
14,564
38%
$8.98
$467
1.9
Douglas County
$13.35
$694
$27,760
1.6
$64,300
$1,608
$19,290
$482
1,641
22%
$8.58
$446
1.6
DuPage County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
83,947
25%
$16.11
$838
1.2
Edgar County
$12.25
$637
$25,480
1.5
$59,200
$1,480
$17,760
$444
1,961
25%
$7.91
$411
1.5
Edwards County
$12.25
$637
$25,480
1.5
$53,000
$1,325
$15,900
$398
556
20%
$11.67
$607
1.0
Effingham County
$12.25
$637
$25,480
1.5
$65,400
$1,635
$19,620
$491
2,881
21%
$8.92
$464
1.4
Fayette County
$12.25
$637
$25,480
1.5
$55,000
$1,375
$16,500
$413
1,554
19%
$7.82
$407
1.6
Ford County
$16.58
$862
$34,480
2.0
$66,800
$1,670
$20,040
$501
1,224
22%
$11.18
$581
1.5
Franklin County
$12.25
$637
$25,480
1.5
$48,100
$1,203
$14,430
$361
3,648
23%
$9.03
$470
1.4
Fulton County
$12.35
$642
$25,680
1.5
$54,500
$1,363
$16,350
$409
3,748
26%
$6.96
$362
1.8
Gallatin County
$12.25
$637
$25,480
1.5
$53,600
$1,340
$16,080
$402
494
21%
$8.39
$436
1.5
Greene County
$12.25
$637
$25,480
1.5
$53,500
$1,338
$16,050
$401
1,378
24%
$9.10
$473
1.3
Grundy County
$17.56
$913
$36,520
2.1
$79,900
$1,998
$23,970
$599
4,296
24%
$14.54
$756
1.2
Hamilton County
$12.25
$637
$25,480
1.5
$56,400
$1,410
$16,920
$423
711
20%
$9.09
$473
1.3
Hancock County
$12.25
$637
$25,480
1.5
$56,900
$1,423
$17,070
$427
1,745
22%
$9.63
$501
1.3
Hardin County
$12.25
$637
$25,480
1.5
$42,700
$1,068
$12,810
$320
391
21%
$5.40
$281
2.3
Henderson County
$12.25
$637
$25,480
1.5
$63,200
$1,580
$18,960
$474
625
19%
$6.53
$339
1.9
Henry County
$13.13
$683
$27,320
1.6
$62,800
$1,570
$18,840
$471
4,399
21%
$9.97
$518
1.3
Iroquois County
$12.48
$649
$25,960
1.5
$60,700
$1,518
$18,210
$455
2,894
24%
$9.35
$486
1.3
Jackson County
$13.12
$682
$27,280
1.6
$52,500
$1,313
$15,750
$394
10,908
46%
$7.38
$384
1.8
1: BR = Bedroom
67
Illinois
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Jasper County
$12.25
$637
$25,480
1.5
$56,200
$1,405
$16,860
$422
646
16%
$10.30
$536
1.2
Jefferson County
$12.25
$637
$25,480
1.5
$56,400
$1,410
$16,920
$423
4,075
27%
$9.81
$510
1.2
Jersey County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
1,830
21%
$7.48
$389
2.1
Jo Daviess County
$12.25
$637
$25,480
1.5
$64,400
$1,610
$19,320
$483
2,052
21%
$8.25
$429
1.5
Johnson County
$12.25
$637
$25,480
1.5
$51,800
$1,295
$15,540
$389
733
17%
$7.31
$380
1.7
Kane County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
41,060
24%
$10.02
$521
1.9
Kankakee County
$14.58
$758
$30,320
1.8
$53,800
$1,345
$16,140
$404
12,662
31%
$10.13
$527
1.4
Kendall County
$19.21
$999
$39,960
2.3
$94,500
$2,363
$28,350
$709
5,603
15%
$10.24
$533
1.9
Knox County
$12.25
$637
$25,480
1.5
$55,500
$1,388
$16,650
$416
7,171
33%
$7.85
$408
1.6
La Salle County
$14.75
$767
$30,680
1.8
$63,500
$1,588
$19,050
$476
10,514
24%
$9.90
$515
1.5
Lake County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
55,745
23%
$15.72
$818
1.2
Lawrence County
$12.25
$637
$25,480
1.5
$49,400
$1,235
$14,820
$371
1,606
27%
$9.58
$498
1.3
Lee County
$12.31
$640
$25,600
1.5
$66,900
$1,673
$20,070
$502
3,491
26%
$11.21
$583
1.1
Livingston County
$13.08
$680
$27,200
1.6
$65,200
$1,630
$19,560
$489
3,693
26%
$10.72
$557
1.2
Logan County
$12.29
$639
$25,560
1.5
$68,300
$1,708
$20,490
$512
3,257
30%
$7.58
$394
1.6
Macon County
$13.15
$684
$27,360
1.6
$63,700
$1,593
$19,110
$478
13,738
30%
$11.85
$616
1.1
Macoupin County
$12.25
$637
$25,480
1.5
$63,500
$1,588
$19,050
$476
4,446
23%
$8.03
$418
1.5
Madison County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
28,142
26%
$9.12
$474
1.7
Marion County
$12.25
$637
$25,480
1.5
$54,100
$1,353
$16,230
$406
4,053
25%
$8.88
$462
1.4
Marshall County
$13.94
$725
$29,000
1.7
$63,700
$1,593
$19,110
$478
931
18%
$8.82
$459
1.6
Mason County
$12.25
$637
$25,480
1.5
$55,200
$1,380
$16,560
$414
1,300
20%
$6.72
$350
1.8
Massac County
$12.90
$671
$26,840
1.6
$54,700
$1,368
$16,410
$410
1,332
22%
$11.58
$602
1.1
McDonough County
$13.62
$708
$28,320
1.7
$55,600
$1,390
$16,680
$417
4,989
39%
$6.78
$352
2.0
McHenry County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
18,683
17%
$9.99
$520
1.9
McLean County
$16.63
$865
$34,600
2.0
$81,700
$2,043
$24,510
$613
20,866
33%
$11.34
$589
1.5
Menard County
$14.29
$743
$29,720
1.7
$69,600
$1,740
$20,880
$522
972
19%
$6.53
$339
2.2
Mercer County
$13.13
$683
$27,320
1.6
$62,800
$1,570
$18,840
$471
1,333
20%
$8.60
$447
1.5
Monroe County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
2,242
18%
$8.27
$430
1.9
Montgomery County
$13.10
$681
$27,240
1.6
$60,700
$1,518
$18,210
$455
2,924
25%
$10.10
$525
1.3
Morgan County
$12.52
$651
$26,040
1.5
$62,400
$1,560
$18,720
$468
4,045
29%
$9.40
$489
1.3
Moultrie County
$12.25
$637
$25,480
1.5
$57,000
$1,425
$17,100
$428
1,117
20%
$10.55
$549
1.2
1: BR = Bedroom
68
Illinois
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Ogle County
$13.25
$689
$27,560
1.6
$69,700
$1,743
$20,910
$523
5,232
25%
$13.22
$688
1.0
Peoria County
$13.94
$725
$29,000
1.7
$63,700
$1,593
$19,110
$478
25,102
33%
$12.34
$642
1.1
Perry County
$12.25
$637
$25,480
1.5
$54,100
$1,353
$16,230
$406
1,741
21%
$7.04
$366
1.7
Piatt County
$16.58
$862
$34,480
2.0
$66,800
$1,670
$20,040
$501
1,062
17%
$8.51
$442
1.9
Pike County
$12.25
$637
$25,480
1.5
$52,400
$1,310
$15,720
$393
1,466
22%
$7.70
$400
1.6
Pope County
$12.25
$637
$25,480
1.5
$51,000
$1,275
$15,300
$383
357
20%
$7.20
$374
1.7
Pulaski County
$12.25
$637
$25,480
1.5
$42,800
$1,070
$12,840
$321
509
21%
$9.44
$491
1.3
Putnam County
$12.56
$653
$26,120
1.5
$67,800
$1,695
$20,340
$509
520
21%
$11.67
$607
1.1
Randolph County
$12.54
$652
$26,080
1.5
$61,400
$1,535
$18,420
$461
2,820
24%
$8.81
$458
1.4
Richland County
$12.25
$637
$25,480
1.5
$57,500
$1,438
$17,250
$431
1,508
23%
$8.08
$420
1.5
Rock Island County
$13.13
$683
$27,320
1.6
$62,800
$1,570
$18,840
$471
17,644
29%
$14.02
$729
0.9
Saline County
$12.25
$637
$25,480
1.5
$49,700
$1,243
$14,910
$373
2,770
27%
$11.08
$576
1.1
Sangamon County
$14.29
$743
$29,720
1.7
$69,600
$1,740
$20,880
$522
23,649
29%
$9.65
$502
1.5
Schuyler County
$12.25
$637
$25,480
1.5
$56,800
$1,420
$17,040
$426
584
19%
$13.28
$691
0.9
Scott County
$12.25
$637
$25,480
1.5
$67,100
$1,678
$20,130
$503
568
27%
$11.23
$584
1.1
Shelby County
$12.25
$637
$25,480
1.5
$60,000
$1,500
$18,000
$450
1,676
19%
$9.10
$473
1.3
St. Clair County
$15.65
$814
$32,560
1.9
$67,100
$1,678
$20,130
$503
34,112
33%
$9.47
$493
1.7
Stark County
$13.94
$725
$29,000
1.7
$63,700
$1,593
$19,110
$478
479
20%
$12.21
$635
1.1
Stephenson County
$12.56
$653
$26,120
1.5
$58,800
$1,470
$17,640
$441
5,490
28%
$9.53
$496
1.3
Tazewell County
$13.94
$725
$29,000
1.7
$63,700
$1,593
$19,110
$478
12,388
23%
$17.78
$925
0.8
Union County
$12.25
$637
$25,480
1.5
$53,100
$1,328
$15,930
$398
1,802
26%
$7.47
$389
1.6
Vermilion County
$13.67
$711
$28,440
1.7
$53,300
$1,333
$15,990
$400
9,297
29%
$9.19
$478
1.5
Wabash County
$12.54
$652
$26,080
1.5
$59,300
$1,483
$17,790
$445
1,007
21%
$8.40
$437
1.5
Warren County
$13.31
$692
$27,680
1.6
$51,800
$1,295
$15,540
$389
1,957
28%
$8.38
$436
1.6
Washington County
$12.73
$662
$26,480
1.5
$67,500
$1,688
$20,250
$506
1,162
19%
$13.46
$700
0.9
Wayne County
$12.25
$637
$25,480
1.5
$51,000
$1,275
$15,300
$383
1,593
22%
$9.85
$512
1.2
White County
$12.25
$637
$25,480
1.5
$55,400
$1,385
$16,620
$416
1,311
21%
$7.97
$415
1.5
Whiteside County
$13.15
$684
$27,360
1.6
$57,900
$1,448
$17,370
$434
5,680
24%
$9.00
$468
1.5
Will County
$18.83
$979
$39,160
2.3
$72,400
$1,810
$21,720
$543
36,421
16%
$9.77
$508
1.9
Williamson County
$12.50
$650
$26,000
1.5
$56,200
$1,405
$16,860
$422
7,682
29%
$8.89
$462
1.4
Winnebago County
$14.50
$754
$30,160
1.8
$55,900
$1,398
$16,770
$419
36,698
32%
$10.57
$550
1.4
1: BR = Bedroom
69
Illinois
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Woodford County
$13.94
HOUSING COSTS
2 BR
FMR
$725
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
$29,000
RENTER HOUSEHOLDS
1.7
Annual
3
AMI
$63,700
Monthly
rent 4
affordable
at AMI
$1,593
30%
5
of AMI
$19,110
Monthly
rent
affordable
at 30%
of AMI
$478
Renter
% of total
(2008-2012) (2008-2012)
2,507
18%
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$6.97
$362
2.0
1: BR = Bedroom
70
Indiana
In Indiana, the Fair Market Rent (FMR) for a two-bedroom apartment is $729. In order to afford this level of rent
Wage of:
$14.03
In Indiana, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Indiana, the estimated mean (average) wage for a renter is $11.62. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$125
$729
Two-Bedroom FMR
$1,506

$604
$452
$277
Minimum Wage Earner
$352
SSI Recipient
$513
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
71
Indiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Indiana
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.03
$729
$29,172
1.9
$60,253
$1,506
$18,076
$452
729,048
29%
$11.62
$604
1.2
$12.36
$643
$25,702
1.7
$55,059
$1,376
$16,518
$413
131,381
24%
$10.30
$536
1.2
Anderson MSA
$13.02
$677
$27,080
1.8
$53,700
$1,343
$16,110
$403
14,063
28%
$8.59
$446
1.5
Bloomington HMFA
$14.98
$779
$31,160
2.1
$60,200
$1,505
$18,060
$452
24,681
46%
$8.54
$444
1.8
Carroll County HMFA
$12.04
$626
$25,040
1.7
$63,600
$1,590
$19,080
$477
1,756
22%
$8.46
$440
1.4
Cincinnati-Middleton HMFA
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
6,561
22%
$8.53
$444
1.7
Columbus MSA
$15.90
$827
$33,080
2.2
$66,900
$1,673
$20,070
$502
8,347
28%
$14.94
$777
1.1
Elkhart-Goshen MSA
$14.27
$742
$29,680
2.0
$56,800
$1,420
$17,040
$426
19,564
28%
$11.43
$594
1.2
Evansville HMFA
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
32,128
30%
$11.07
$576
1.3
Fort Wayne MSA
$12.77
$664
$26,560
1.8
$59,200
$1,480
$17,760
$444
45,350
28%
$10.79
$561
1.2
Gary HMFA
$15.44
$803
$32,120
2.1
$63,800
$1,595
$19,140
$479
69,028
28%
$11.30
$587
1.4
Gibson County HMFA
$12.04
$626
$25,040
1.7
$64,500
$1,613
$19,350
$484
2,923
22%
$12.60
$655
1.0
Greene County HMFA
$12.04
$626
$25,040
1.7
$55,800
$1,395
$16,740
$419
2,917
23%
$7.26
$377
1.7
Indianapolis HMFA
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
219,371
33%
$13.93
$724
1.1
Jasper County HMFA
$13.29
$691
$27,640
1.8
$67,600
$1,690
$20,280
$507
2,616
22%
$11.11
$578
1.2
Kokomo MSA
$12.75
$663
$26,520
1.8
$56,900
$1,423
$17,070
$427
11,400
28%
$10.89
$567
1.2
Lafayette HMFA
$15.00
$780
$31,200
2.1
$61,600
$1,540
$18,480
$462
30,512
44%
$10.63
$553
1.4
Louisville HMFA
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
22,706
26%
$8.74
$454
1.6
Michigan City-La Porte MSA
$13.83
$719
$28,760
1.9
$68,200
$1,705
$20,460
$512
11,184
26%
$8.84
$460
1.6
Muncie MSA
$12.85
$668
$26,720
1.8
$49,600
$1,240
$14,880
$372
16,213
35%
$8.94
$465
1.4
Owen County HMFA
$12.04
$626
$25,040
1.7
$52,900
$1,323
$15,870
$397
1,850
21%
$10.60
$551
1.1
Putnam County HMFA
$12.04
$626
$25,040
1.7
$60,500
$1,513
$18,150
$454
2,617
21%
$8.81
$458
1.4
South Bend-Mishawaka HMFA
$13.73
$714
$28,560
1.9
$55,400
$1,385
$16,620
$416
30,241
30%
$11.28
$587
1.2
Sullivan County HMFA
$12.04
$626
$25,040
1.7
$60,100
$1,503
$18,030
$451
2,038
26%
$9.90
$515
1.2
Terre Haute HMFA
$14.04
$730
$29,200
1.9
$58,800
$1,470
$17,640
$441
17,530
31%
$9.58
$498
1.5
Washington County HMFA
$12.04
$626
$25,040
1.7
$48,300
$1,208
$14,490
$362
2,071
19%
$7.65
$398
1.6
$12.04
$626
1.7
$57,400
$1,435
$17,220
$431
2,445
20%
$8.46
Metropolitan Areas
Counties
Adams County
$25,040
$440
1.4
1: BR = Bedroom
72
Indiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Allen County
$12.77
$664
$26,560
1.8
$59,200
$1,480
$17,760
$444
40,836
30%
$10.98
$571
1.2
Bartholomew County
$15.90
$827
$33,080
2.2
$66,900
$1,673
$20,070
$502
8,347
28%
$14.94
$777
1.1
Benton County
$15.00
$780
$31,200
2.1
$61,600
$1,540
$18,480
$462
864
25%
$10.51
$547
1.4
Blackford County
$12.04
$626
$25,040
1.7
$49,200
$1,230
$14,760
$369
1,319
25%
$9.27
$482
1.3
Boone County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
4,852
22%
$9.11
$474
1.6
Brown County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
1,057
17%
$5.90
$307
2.5
Carroll County
$12.04
$626
$25,040
1.7
$63,600
$1,590
$19,080
$477
1,756
22%
$8.46
$440
1.4
Cass County
$12.04
$626
$25,040
1.7
$53,100
$1,328
$15,930
$398
3,416
23%
$9.51
$494
1.3
Clark County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
12,194
28%
$9.17
$477
1.5
Clay County
$14.04
$730
$29,200
1.9
$58,800
$1,470
$17,640
$441
2,193
22%
$8.00
$416
1.8
Clinton County
$12.85
$668
$26,720
1.8
$59,900
$1,498
$17,970
$449
3,278
28%
$10.94
$569
1.2
Crawford County
$12.04
$626
$25,040
1.7
$48,800
$1,220
$14,640
$366
738
17%
$6.36
$331
1.9
Daviess County
$12.04
$626
$25,040
1.7
$55,800
$1,395
$16,740
$419
2,557
23%
$9.24
$481
1.3
Dearborn County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
4,217
23%
$8.80
$457
1.6
Decatur County
$13.13
$683
$27,320
1.8
$56,800
$1,420
$17,040
$426
2,906
29%
$11.71
$609
1.1
DeKalb County
$12.04
$626
$25,040
1.7
$56,900
$1,423
$17,070
$427
3,425
21%
$11.85
$616
1.0
Delaware County
$12.85
$668
$26,720
1.8
$49,600
$1,240
$14,880
$372
16,213
35%
$8.94
$465
1.4
Dubois County
$12.04
$626
$25,040
1.7
$67,500
$1,688
$20,250
$506
3,576
22%
$10.66
$555
1.1
Elkhart County
$14.27
$742
$29,680
2.0
$56,800
$1,420
$17,040
$426
19,564
28%
$11.43
$594
1.2
Fayette County
$12.38
$644
$25,760
1.7
$47,100
$1,178
$14,130
$353
2,706
28%
$8.09
$421
1.5
Floyd County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
8,092
28%
$8.46
$440
1.6
Fountain County
$12.04
$626
$25,040
1.7
$55,700
$1,393
$16,710
$418
1,473
21%
$9.89
$514
1.2
Franklin County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
1,724
20%
$7.81
$406
1.8
Fulton County
$12.56
$653
$26,120
1.7
$53,500
$1,338
$16,050
$401
2,240
27%
$10.20
$530
1.2
Gibson County
$12.04
$626
$25,040
1.7
$64,500
$1,613
$19,350
$484
2,923
22%
$12.60
$655
1.0
Grant County
$12.04
$626
$25,040
1.7
$47,400
$1,185
$14,220
$356
8,193
30%
$11.34
$590
1.1
Greene County
$12.04
$626
$25,040
1.7
$55,800
$1,395
$16,740
$419
2,917
23%
$7.26
$377
1.7
Hamilton County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
20,619
20%
$12.53
$652
1.2
Hancock County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
4,787
18%
$8.93
$464
1.7
Harrison County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
2,420
17%
$7.39
$384
1.8
Hendricks County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
9,013
17%
$10.01
$521
1.5
1: BR = Bedroom
73
Indiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Henry County
$12.04
$626
$25,040
1.7
$53,700
$1,343
$16,110
$403
4,656
25%
$8.07
$419
1.5
Howard County
$12.75
$663
$26,520
1.8
$56,900
$1,423
$17,070
$427
10,016
29%
$10.90
$567
1.2
Huntington County
$12.40
$645
$25,800
1.7
$59,500
$1,488
$17,850
$446
3,285
23%
$9.80
$510
1.3
Jackson County
$13.12
$682
$27,280
1.8
$56,300
$1,408
$16,890
$422
4,530
27%
$10.72
$557
1.2
Jasper County
$13.29
$691
$27,640
1.8
$67,600
$1,690
$20,280
$507
2,616
22%
$11.11
$578
1.2
Jay County
$12.04
$626
$25,040
1.7
$50,100
$1,253
$15,030
$376
1,869
23%
$9.47
$492
1.3
Jefferson County
$12.04
$626
$25,040
1.7
$55,600
$1,390
$16,680
$417
3,600
28%
$10.05
$523
1.2
Jennings County
$13.00
$676
$27,040
1.8
$52,300
$1,308
$15,690
$392
2,598
24%
$11.68
$607
1.1
Johnson County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
13,388
26%
$9.28
$482
1.6
Knox County
$12.04
$626
$25,040
1.7
$55,400
$1,385
$16,620
$416
4,614
31%
$10.31
$536
1.2
Kosciusko County
$12.96
$674
$26,960
1.8
$60,000
$1,500
$18,000
$450
6,630
22%
$13.27
$690
1.0
LaGrange County
$12.71
$661
$26,440
1.8
$53,400
$1,335
$16,020
$401
2,332
20%
$10.59
$551
1.2
Lake County
$15.44
$803
$32,120
2.1
$63,800
$1,595
$19,140
$479
54,173
30%
$11.28
$587
1.4
LaPorte County
$13.83
$719
$28,760
1.9
$68,200
$1,705
$20,460
$512
11,184
26%
$8.84
$460
1.6
Lawrence County
$12.35
$642
$25,680
1.7
$55,200
$1,380
$16,560
$414
4,117
22%
$8.30
$431
1.5
Madison County
$13.02
$677
$27,080
1.8
$53,700
$1,343
$16,110
$403
14,063
28%
$8.59
$446
1.5
Marion County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
155,037
43%
$15.57
$810
1.0
Marshall County
$12.94
$673
$26,920
1.8
$60,600
$1,515
$18,180
$455
4,065
23%
$10.77
$560
1.2
Martin County
$12.04
$626
$25,040
1.7
$55,500
$1,388
$16,650
$416
702
17%
$9.15
$476
1.3
Miami County
$12.04
$626
$25,040
1.7
$52,200
$1,305
$15,660
$392
3,292
25%
$9.96
$518
1.2
Monroe County
$14.98
$779
$31,160
2.1
$60,200
$1,505
$18,060
$452
24,681
46%
$8.54
$444
1.8
Montgomery County
$13.33
$693
$27,720
1.8
$59,400
$1,485
$17,820
$446
4,225
29%
$10.93
$568
1.2
Morgan County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
5,847
23%
$8.57
$446
1.7
Newton County
$15.44
$803
$32,120
2.1
$63,800
$1,595
$19,140
$479
1,159
22%
$10.41
$541
1.5
Noble County
$12.25
$637
$25,480
1.7
$57,900
$1,448
$17,370
$434
4,066
23%
$10.39
$540
1.2
Ohio County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
620
25%
$7.70
$400
1.8
Orange County
$12.04
$626
$25,040
1.7
$50,000
$1,250
$15,000
$375
1,757
23%
$8.09
$420
1.5
Owen County
$12.04
$626
$25,040
1.7
$52,900
$1,323
$15,870
$397
1,850
21%
$10.60
$551
1.1
Parke County
$12.04
$626
$25,040
1.7
$53,900
$1,348
$16,170
$404
925
15%
$7.36
$383
1.6
Perry County
$12.04
$626
$25,040
1.7
$59,300
$1,483
$17,790
$445
1,489
20%
$8.29
$431
1.5
Pike County
$12.04
$626
$25,040
1.7
$51,700
$1,293
$15,510
$388
859
16%
$15.37
$799
0.8
1: BR = Bedroom
74
Indiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Porter County
$15.44
$803
$32,120
2.1
$63,800
$1,595
$19,140
$479
13,696
22%
$11.39
$592
1.4
Posey County
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
1,521
15%
$11.83
$615
1.2
Pulaski County
$12.04
$626
$25,040
1.7
$53,900
$1,348
$16,170
$404
1,091
22%
$12.96
$674
0.9
Putnam County
$12.04
$626
$25,040
1.7
$60,500
$1,513
$18,150
$454
2,617
21%
$8.81
$458
1.4
Randolph County
$12.04
$626
$25,040
1.7
$49,400
$1,235
$14,820
$371
2,626
25%
$9.60
$499
1.3
Ripley County
$12.12
$630
$25,200
1.7
$64,600
$1,615
$19,380
$485
2,548
24%
$12.33
$641
1.0
Rush County
$12.04
$626
$25,040
1.7
$56,800
$1,420
$17,040
$426
1,885
28%
$10.49
$545
1.1
Scott County
$12.42
$646
$25,840
1.7
$49,200
$1,230
$14,760
$369
2,377
26%
$7.72
$401
1.6
1.4
Shelby County
$14.94
$777
$31,080
2.1
$64,300
$1,608
$19,290
$482
4,771
28%
$10.47
$545
Spencer County
$12.04
$626
$25,040
1.7
$66,800
$1,670
$20,040
$501
1,455
18%
$7.36
$383
1.6
St. Joseph County
$13.73
$714
$28,560
1.9
$55,400
$1,385
$16,620
$416
30,241
30%
$11.28
$587
1.2
Starke County
$12.25
$637
$25,480
1.7
$47,300
$1,183
$14,190
$355
1,819
20%
$7.87
$409
1.6
Steuben County
$13.00
$676
$27,040
1.8
$58,800
$1,470
$17,640
$441
2,867
21%
$9.92
$516
1.3
Sullivan County
$12.04
$626
$25,040
1.7
$60,100
$1,503
$18,030
$451
2,038
26%
$9.90
$515
1.2
Switzerland County
$12.04
$626
$25,040
1.7
$52,400
$1,310
$15,720
$393
833
21%
$10.03
$522
1.2
Tippecanoe County
$15.00
$780
$31,200
2.1
$61,600
$1,540
$18,480
$462
29,648
45%
$10.63
$553
1.4
Tipton County
$12.75
$663
$26,520
1.8
$56,900
$1,423
$17,070
$427
1,384
21%
$10.87
$565
1.2
Union County
$12.04
$626
$25,040
1.7
$53,700
$1,343
$16,110
$403
655
22%
$6.90
$359
1.7
Vanderburgh County
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
26,683
36%
$11.28
$586
1.3
Vermillion County
$14.04
$730
$29,200
1.9
$58,800
$1,470
$17,640
$441
1,531
23%
$12.23
$636
1.1
Vigo County
$14.04
$730
$29,200
1.9
$58,800
$1,470
$17,640
$441
13,806
35%
$9.59
$499
1.5
Wabash County
$12.04
$626
$25,040
1.7
$55,300
$1,383
$16,590
$415
3,166
25%
$7.92
$412
1.5
Warren County
$12.04
$626
$25,040
1.7
$62,700
$1,568
$18,810
$470
763
24%
$9.81
$510
1.2
Warrick County
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
3,924
18%
$9.08
$472
1.6
Washington County
$12.04
$626
$25,040
1.7
$48,300
$1,208
$14,490
$362
2,071
19%
$7.65
$398
1.6
Wayne County
$12.27
$638
$25,520
1.7
$42,400
$1,060
$12,720
$318
9,164
32%
$9.38
$488
1.3
Wells County
$12.77
$664
$26,560
1.8
$59,200
$1,480
$17,760
$444
2,334
22%
$8.93
$464
1.4
White County
$12.04
$626
$25,040
1.7
$58,600
$1,465
$17,580
$440
2,249
23%
$9.40
$489
1.3
Whitley County
$12.77
$664
$26,560
1.8
$59,200
$1,480
$17,760
$444
2,180
17%
$9.51
$494
1.3
1: BR = Bedroom
75
Iowa
In Iowa, the Fair Market Rent (FMR) for a two-bedroom apartment is $689. In order to afford this level of rent and
$13.26
In Iowa, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Iowa, the estimated mean (average) wage for a renter is $10.56. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$140
$689
Two-Bedroom FMR
$1,671

$549
$501
$188
Minimum Wage Earner
$312
SSI Recipient
$473
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
76
Iowa
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Iowa
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.26
$689
$27,576
1.8
$66,830
$1,671
$20,049
$501
335,178
27%
$10.56
$549
1.3
$11.72
$610
$24,383
1.6
$61,117
$1,528
$18,335
$458
132,003
24%
$9.68
$504
1.2
Ames MSA
$13.79
$717
$28,680
1.9
$75,100
$1,878
$22,530
$563
15,605
45%
$9.30
$483
1.5
Benton County HMFA
$11.13
$579
$23,160
1.5
$70,200
$1,755
$21,060
$527
1,937
19%
$8.59
$446
1.3
Bremer County HMFA
$12.50
$650
$26,000
1.7
$75,300
$1,883
$22,590
$565
1,706
18%
$9.29
$483
1.3
Cedar Rapids HMFA
$12.60
$655
$26,200
1.7
$74,500
$1,863
$22,350
$559
23,062
27%
$11.76
$611
1.1
Davenport-Moline-Rock Island MSA
$13.13
$683
$27,320
1.8
$62,800
$1,570
$18,840
$471
20,341
30%
$10.16
$528
1.3
Des Moines-West Des Moines MSA
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
63,122
28%
$12.60
$655
1.2
Dubuque MSA
$13.94
$725
$29,000
1.9
$70,600
$1,765
$21,180
$530
9,916
27%
$10.61
$552
1.3
Iowa City HMFA
$16.37
$851
$34,040
2.3
$79,500
$1,988
$23,850
$596
20,914
40%
$8.42
$438
1.9
Jones County HMFA
$11.13
$579
$23,160
1.5
$65,600
$1,640
$19,680
$492
1,469
18%
$9.95
$518
1.1
Omaha-Council Bluffs HMFA
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
13,016
27%
$8.95
$466
1.7
Sioux City MSA
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
12,442
32%
$9.45
$491
1.4
$12.40
$645
$25,800
1.7
$66,200
$1,655
$19,860
$497
2,165
24%
$7.60
$395
1.6
Waterloo-Cedar Falls HMFA
$13.85
$720
$28,800
1.9
$61,900
$1,548
$18,570
$464
17,480
31%
$10.79
$561
1.3
Adair County
$11.90
$619
$24,760
1.6
$60,100
$1,503
$18,030
$451
727
22%
$9.49
$493
1.3
Adams County
$12.00
$624
$24,960
1.7
$58,300
$1,458
$17,490
$437
378
22%
$11.00
$572
1.1
Allamakee County
$11.13
$579
$23,160
1.5
$57,000
$1,425
$17,100
$428
1,158
20%
$9.27
$482
1.2
Appanoose County
$11.13
$579
$23,160
1.5
$43,600
$1,090
$13,080
$327
1,564
29%
$9.27
$482
1.2
Audubon County
$11.13
$579
$23,160
1.5
$56,700
$1,418
$17,010
$425
553
21%
$11.91
$619
0.9
Benton County
$11.13
$579
$23,160
1.5
$70,200
$1,755
$21,060
$527
1,937
19%
$8.59
$446
1.3
Black Hawk County
$13.85
$720
$28,800
1.9
$61,900
$1,548
$18,570
$464
16,545
32%
$10.75
$559
1.3
Boone County
$12.08
$628
$25,120
1.7
$72,000
$1,800
$21,600
$540
2,611
25%
$9.95
$517
1.2
Bremer County
$12.50
$650
$26,000
1.7
$75,300
$1,883
$22,590
$565
1,706
18%
$9.29
$483
1.3
Buchanan County
$11.13
$579
$23,160
1.5
$66,700
$1,668
$20,010
$500
1,824
23%
$9.80
$510
1.1
Buena Vista County
$11.73
$610
$24,400
1.6
$58,800
$1,470
$17,640
$441
2,481
32%
$11.58
$602
1.0
Butler County
$11.13
$579
$23,160
1.5
$62,200
$1,555
$18,660
$467
1,176
19%
$9.13
$475
1.2
Metropolitan Areas
Counties
1: BR = Bedroom
77
Iowa
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Calhoun County
$11.13
$579
$23,160
1.5
$56,200
$1,405
$16,860
$422
969
22%
$8.49
$441
1.3
Carroll County
$11.13
$579
$23,160
1.5
$66,200
$1,655
$19,860
$497
2,094
24%
$8.10
$421
1.4
Cass County
$11.13
$579
$23,160
1.5
$51,500
$1,288
$15,450
$386
1,751
29%
$8.43
$439
1.3
Cedar County
$12.21
$635
$25,400
1.7
$69,100
$1,728
$20,730
$518
1,512
20%
$9.74
$506
1.3
Cerro Gordo County
$12.81
$666
$26,640
1.8
$63,600
$1,590
$19,080
$477
5,780
29%
$9.60
$499
1.3
Cherokee County
$11.13
$579
$23,160
1.5
$61,400
$1,535
$18,420
$461
1,340
25%
$9.78
$508
1.1
Chickasaw County
$11.13
$579
$23,160
1.5
$53,800
$1,345
$16,140
$404
972
18%
$8.97
$466
1.2
Clarke County
$12.33
$641
$25,640
1.7
$57,200
$1,430
$17,160
$429
968
27%
$10.45
$544
1.2
Clay County
$11.13
$579
$23,160
1.5
$60,600
$1,515
$18,180
$455
1,962
27%
$9.46
$492
1.2
Clayton County
$11.13
$579
$23,160
1.5
$59,600
$1,490
$17,880
$447
1,606
21%
$9.23
$480
1.2
Clinton County
$12.00
$624
$24,960
1.7
$66,100
$1,653
$19,830
$496
5,159
26%
$8.64
$450
1.4
Crawford County
$11.13
$579
$23,160
1.5
$57,900
$1,448
$17,370
$434
1,372
22%
$8.36
$435
1.3
Dallas County
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
5,481
21%
$11.91
$619
1.3
Davis County
$11.96
$622
$24,880
1.6
$55,200
$1,380
$16,560
$414
548
18%
$7.68
$399
1.6
Decatur County
$11.13
$579
$23,160
1.5
$50,200
$1,255
$15,060
$377
993
31%
$6.35
$330
1.8
Delaware County
$11.13
$579
$23,160
1.5
$63,600
$1,590
$19,080
$477
1,498
21%
$9.46
$492
1.2
Des Moines County
$13.12
$682
$27,280
1.8
$57,800
$1,445
$17,340
$434
4,428
26%
$9.50
$494
1.4
Dickinson County
$11.58
$602
$24,080
1.6
$63,800
$1,595
$19,140
$479
1,845
23%
$7.31
$380
1.6
Dubuque County
$13.94
$725
$29,000
1.9
$70,600
$1,765
$21,180
$530
9,916
27%
$10.61
$552
1.3
Emmet County
$11.87
$617
$24,680
1.6
$58,800
$1,470
$17,640
$441
904
21%
$7.79
$405
1.5
Fayette County
$11.13
$579
$23,160
1.5
$56,600
$1,415
$16,980
$425
1,934
23%
$9.15
$476
1.2
Floyd County
$11.13
$579
$23,160
1.5
$57,400
$1,435
$17,220
$431
1,761
25%
$7.82
$406
1.4
Franklin County
$11.13
$579
$23,160
1.5
$55,800
$1,395
$16,740
$419
1,109
26%
$10.98
$571
1.0
Fremont County
$11.13
$579
$23,160
1.5
$63,500
$1,588
$19,050
$476
675
22%
$9.87
$513
1.1
Greene County
$11.35
$590
$23,600
1.6
$64,000
$1,600
$19,200
$480
1,008
25%
$10.50
$546
1.1
Grundy County
$13.85
$720
$28,800
1.9
$61,900
$1,548
$18,570
$464
935
18%
$11.57
$602
1.2
Guthrie County
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
955
20%
$11.27
$586
1.3
Hamilton County
$12.54
$652
$26,080
1.7
$64,500
$1,613
$19,350
$484
1,688
26%
$9.20
$479
1.4
Hancock County
$11.13
$579
$23,160
1.5
$60,800
$1,520
$18,240
$456
965
20%
$12.28
$638
0.9
Hardin County
$11.13
$579
$23,160
1.5
$64,300
$1,608
$19,290
$482
1,806
25%
$10.61
$552
1.0
Harrison County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
1,371
23%
$7.36
$383
2.1
1: BR = Bedroom
78
Iowa
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Henry County
$11.50
$598
$23,920
1.6
$57,400
$1,435
$17,220
$431
2,072
27%
$9.90
$515
Howard County
$11.13
$579
$23,160
1.5
$57,000
$1,425
$17,100
$428
769
19%
$8.32
$433
1.2
1.3
Humboldt County
$11.13
$579
$23,160
1.5
$61,700
$1,543
$18,510
$463
1,111
26%
$10.80
$562
1.0
Ida County
$11.13
$579
$23,160
1.5
$63,800
$1,595
$19,140
$479
809
26%
$12.94
$673
0.9
Iowa County
$11.13
$579
$23,160
1.5
$71,200
$1,780
$21,360
$534
1,382
21%
$10.73
$558
1.0
Jackson County
$11.13
$579
$23,160
1.5
$58,000
$1,450
$17,400
$435
1,958
23%
$7.52
$391
1.5
Jasper County
$12.60
$655
$26,200
1.7
$62,100
$1,553
$18,630
$466
4,329
29%
$9.10
$473
1.4
Jefferson County
$12.29
$639
$25,560
1.7
$62,200
$1,555
$18,660
$467
1,833
27%
$7.75
$403
1.6
Johnson County
$16.37
$851
$34,040
2.3
$79,500
$1,988
$23,850
$596
20,914
40%
$8.42
$438
1.9
Jones County
$11.13
$579
$23,160
1.5
$65,600
$1,640
$19,680
$492
1,469
18%
$9.95
$518
1.1
Keokuk County
$11.13
$579
$23,160
1.5
$55,200
$1,380
$16,560
$414
817
19%
$9.49
$494
1.2
Kossuth County
$11.13
$579
$23,160
1.5
$65,400
$1,635
$19,620
$491
1,306
19%
$10.99
$572
1.0
Lee County
$11.33
$589
$23,560
1.6
$53,100
$1,328
$15,930
$398
3,829
27%
$9.97
$519
1.1
Linn County
$12.60
$655
$26,200
1.7
$74,500
$1,863
$22,350
$559
23,062
27%
$11.76
$611
1.1
Louisa County
$11.88
$618
$24,720
1.6
$59,900
$1,498
$17,970
$449
892
21%
$10.62
$552
1.1
Lucas County
$11.13
$579
$23,160
1.5
$59,600
$1,490
$17,880
$447
871
24%
$6.41
$333
1.7
Lyon County
$11.13
$579
$23,160
1.5
$61,900
$1,548
$18,570
$464
832
19%
$8.58
$446
1.3
Madison County
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
1,356
23%
$7.91
$411
1.9
Mahaska County
$11.25
$585
$23,400
1.6
$63,900
$1,598
$19,170
$479
2,443
27%
$7.73
$402
1.5
Marion County
$13.48
$701
$28,040
1.9
$69,100
$1,728
$20,730
$518
2,933
23%
$11.82
$614
1.1
Marshall County
$12.02
$625
$25,000
1.7
$59,700
$1,493
$17,910
$448
3,954
26%
$10.93
$569
1.1
Mills County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
882
16%
$9.39
$488
1.6
Mitchell County
$11.13
$579
$23,160
1.5
$67,400
$1,685
$20,220
$506
780
18%
$9.33
$485
1.2
Monona County
$11.13
$579
$23,160
1.5
$56,200
$1,405
$16,860
$422
1,159
29%
$9.34
$486
1.2
Monroe County
$11.38
$592
$23,680
1.6
$54,500
$1,363
$16,350
$409
712
21%
$11.22
$583
1.0
Montgomery County
$11.13
$579
$23,160
1.5
$52,400
$1,310
$15,720
$393
1,191
26%
$8.18
$425
1.4
Muscatine County
$13.71
$713
$28,520
1.9
$65,800
$1,645
$19,740
$494
4,103
25%
$11.76
$612
1.2
O'Brien County
$11.13
$579
$23,160
1.5
$63,100
$1,578
$18,930
$473
1,465
24%
$8.03
$418
1.4
Osceola County
$11.81
$614
$24,560
1.6
$64,400
$1,610
$19,320
$483
645
24%
$10.94
$569
1.1
Page County
$11.13
$579
$23,160
1.5
$57,700
$1,443
$17,310
$433
1,680
26%
$8.96
$466
1.2
Palo Alto County
$11.13
$579
$23,160
1.5
$61,000
$1,525
$18,300
$458
1,026
25%
$10.55
$548
1.1
1: BR = Bedroom
79
Iowa
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Plymouth County
$12.02
$625
$25,000
1.7
$73,600
$1,840
$22,080
$552
2,131
22%
$10.44
$543
1.2
Pocahontas County
$11.13
$579
$23,160
1.5
$59,600
$1,490
$17,880
$447
689
21%
$10.57
$550
1.1
Polk County
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
51,803
30%
$12.91
$671
1.2
Pottawattamie County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
10,763
30%
$9.08
$472
1.7
Poweshiek County
$12.40
$645
$25,800
1.7
$69,600
$1,740
$20,880
$522
2,016
27%
$10.37
$539
1.2
Ringgold County
$11.13
$579
$23,160
1.5
$54,800
$1,370
$16,440
$411
460
23%
Sac County
$11.13
$579
$23,160
1.5
$59,700
$1,493
$17,910
$448
833
19%
$10.40
$541
1.1
Scott County
$13.13
$683
$27,320
1.8
$62,800
$1,570
$18,840
$471
20,341
30%
$10.16
$528
1.3
Shelby County
$11.13
$579
$23,160
1.5
$59,800
$1,495
$17,940
$449
1,081
21%
$7.52
$391
1.5
Sioux County
$11.13
$579
$23,160
1.5
$66,000
$1,650
$19,800
$495
2,238
19%
$9.92
$516
1.1
Story County
$13.79
$717
$28,680
1.9
$75,100
$1,878
$22,530
$563
15,605
45%
$9.30
$483
1.5
Tama County
$11.46
$596
$23,840
1.6
$58,800
$1,470
$17,640
$441
1,667
24%
$9.27
$482
1.2
Taylor County
$11.13
$579
$23,160
1.5
$51,300
$1,283
$15,390
$385
622
23%
$8.67
$451
1.3
Union County
$11.13
$579
$23,160
1.5
$56,500
$1,413
$16,950
$424
1,572
29%
$7.44
$387
1.5
Van Buren County
$11.13
$579
$23,160
1.5
$53,700
$1,343
$16,110
$403
523
17%
$10.13
$527
1.1
Wapello County
$12.50
$650
$26,000
1.7
$52,500
$1,313
$15,750
$394
3,756
26%
$10.47
$544
1.2
Warren County
$15.06
$783
$31,320
2.1
$74,900
$1,873
$22,470
$562
3,527
20%
$7.78
$405
1.9
Washington County
$12.40
$645
$25,800
1.7
$66,200
$1,655
$19,860
$497
2,165
24%
$7.60
$395
1.6
Wayne County
$11.13
$579
$23,160
1.5
$48,700
$1,218
$14,610
$365
515
19%
$8.77
$456
1.3
Webster County
$11.13
$579
$23,160
1.5
$58,800
$1,470
$17,640
$441
5,011
32%
$10.43
$543
1.1
Winnebago County
$11.13
$579
$23,160
1.5
$64,700
$1,618
$19,410
$485
1,122
24%
$8.22
$428
1.4
Winneshiek County
$11.13
$579
$23,160
1.5
$66,100
$1,653
$19,830
$496
1,784
22%
$8.86
$461
1.3
Woodbury County
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
12,442
32%
$9.45
$491
1.4
Worth County
$11.13
$579
$23,160
1.5
$61,600
$1,540
$18,480
$462
652
20%
$8.73
$454
1.3
Wright County
$11.13
$579
$23,160
1.5
$58,500
$1,463
$17,550
$439
1,311
24%
$10.34
$538
1.1
1: BR = Bedroom
80
Kansas
In Kansas, the Fair Market Rent (FMR) for a two-bedroom apartment is $746. In order to afford this level of rent and
$14.34
In Kansas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Kansas, the estimated mean (average) wage for a renter is $11.93. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$126
$746
Two-Bedroom FMR
$1,591

$620
$477
$269
Minimum Wage Earner
$369
SSI Recipient
$530
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
81
Kansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Kansas
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.34
$746
$29,825
2.0
$63,652
$1,591
$19,096
$477
352,609
32%
$11.93
$620
1.2
$12.37
$643
$25,728
1.7
$56,491
$1,412
$16,947
$424
101,581
28%
$10.17
$529
1.2
$15.08
$784
$31,360
2.1
$61,700
$1,543
$18,510
$463
2,965
29%
$10.10
$525
1.5
Kansas City HMFA
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
96,003
31%
$13.89
$722
1.2
Lawrence MSA
$14.98
$779
$31,160
2.1
$66,300
$1,658
$19,890
$497
21,086
49%
$8.58
$446
1.7
Manhattan MSA
$15.12
$786
$31,440
2.1
$59,600
$1,490
$17,880
$447
22,849
50%
$10.33
$537
1.5
St. Joseph MSA
$14.33
$745
$29,800
2.0
$57,000
$1,425
$17,100
$428
845
27%
$11.74
$610
1.2
Sumner County HMFA
$12.88
$670
$26,800
1.8
$66,000
$1,650
$19,800
$495
2,147
23%
$8.44
$439
1.5
Topeka MSA
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
29,562
31%
$11.35
$590
1.2
Wichita HMFA
$14.23
$740
$29,600
2.0
$65,900
$1,648
$19,770
$494
75,571
33%
$12.12
$630
1.2
Allen County
$11.96
$622
$24,880
1.6
$52,800
$1,320
$15,840
$396
1,298
23%
$8.18
$425
1.5
Anderson County
$11.96
$622
$24,880
1.6
$53,400
$1,335
$16,020
$401
663
20%
$6.11
$318
2.0
Atchison County
$11.96
$622
$24,880
1.6
$56,800
$1,420
$17,040
$426
1,617
27%
$9.58
$498
1.2
Barber County
$11.96
$622
$24,880
1.6
$53,100
$1,328
$15,930
$398
560
25%
$10.48
$545
1.1
Barton County
$11.96
$622
$24,880
1.6
$57,600
$1,440
$17,280
$432
3,123
28%
$11.53
$599
1.0
Bourbon County
$12.17
$633
$25,320
1.7
$52,600
$1,315
$15,780
$395
1,455
25%
$9.52
$495
1.3
Brown County
$11.96
$622
$24,880
1.6
$50,300
$1,258
$15,090
$377
1,444
35%
$9.45
$492
1.3
Butler County
$14.23
$740
$29,600
2.0
$65,900
$1,648
$19,770
$494
5,535
23%
$10.05
$523
1.4
Chase County
$11.96
$622
$24,880
1.6
$55,500
$1,388
$16,650
$416
270
24%
$7.06
$367
1.7
Chautauqua County
$11.96
$622
$24,880
1.6
$50,300
$1,258
$15,090
$377
368
24%
$9.06
$471
1.3
Cherokee County
$11.96
$622
$24,880
1.6
$52,100
$1,303
$15,630
$391
1,797
22%
$10.35
$538
1.2
Cheyenne County
$11.96
$622
$24,880
1.6
$54,600
$1,365
$16,380
$410
339
26%
$12.37
$643
1.0
Clark County
$11.96
$622
$24,880
1.6
$70,100
$1,753
$21,030
$526
234
26%
$7.64
$397
1.6
Clay County
$13.83
$719
$28,760
1.9
$57,700
$1,443
$17,310
$433
833
24%
$8.94
$465
1.5
Cloud County
$11.96
$622
$24,880
1.6
$46,800
$1,170
$14,040
$351
947
24%
$9.29
$483
1.3
Coffey County
$11.96
$622
$24,880
1.6
$64,000
$1,600
$19,200
$480
807
23%
$15.75
$819
0.8
Comanche County
$11.96
$622
$24,880
1.6
$63,000
$1,575
$18,900
$473
206
25%
$8.63
$449
1.4
Metropolitan Areas
Counties
1: BR = Bedroom
82
Kansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Cowley County
$12.31
$640
$25,600
1.7
$54,000
$1,350
$16,200
$405
4,218
31%
$9.74
$506
1.3
Crawford County
$12.87
$669
$26,760
1.8
$51,700
$1,293
$15,510
$388
5,638
37%
$9.18
$477
1.4
Decatur County
$11.96
$622
$24,880
1.6
$48,200
$1,205
$14,460
$362
260
18%
$5.58
$290
2.1
Dickinson County
$11.96
$622
$24,880
1.6
$60,700
$1,518
$18,210
$455
2,038
26%
$9.25
$481
1.3
Doniphan County
$14.33
$745
$29,800
2.0
$57,000
$1,425
$17,100
$428
845
27%
$11.74
$610
1.2
Douglas County
$14.98
$779
$31,160
2.1
$66,300
$1,658
$19,890
$497
21,086
49%
$8.58
$446
1.7
Edwards County
$11.96
$622
$24,880
1.6
$52,400
$1,310
$15,720
$393
291
22%
$8.16
$424
1.5
Elk County
$11.96
$622
$24,880
1.6
$39,000
$975
$11,700
$293
236
19%
$6.45
$336
1.9
Ellis County
$12.08
$628
$25,120
1.7
$66,000
$1,650
$19,800
$495
4,221
36%
$8.15
$424
1.5
Ellsworth County
$11.96
$622
$24,880
1.6
$57,800
$1,445
$17,340
$434
634
24%
$10.35
$538
1.2
Finney County
$12.67
$659
$26,360
1.7
$58,100
$1,453
$17,430
$436
4,207
34%
$12.45
$647
1.0
Ford County
$12.60
$655
$26,200
1.7
$57,200
$1,430
$17,160
$429
3,928
36%
$12.45
$647
1.0
Franklin County
$15.08
$784
$31,360
2.1
$61,700
$1,543
$18,510
$463
2,965
29%
$10.10
$525
1.5
Geary County
$15.12
$786
$31,440
2.1
$59,600
$1,490
$17,880
$447
6,384
52%
$12.12
$630
1.2
Gove County
$11.96
$622
$24,880
1.6
$50,900
$1,273
$15,270
$382
218
19%
$8.85
$460
1.4
Graham County
$11.96
$622
$24,880
1.6
$54,400
$1,360
$16,320
$408
223
19%
$12.23
$636
1.0
Grant County
$11.96
$622
$24,880
1.6
$67,700
$1,693
$20,310
$508
665
24%
$11.96
$622
1.0
Gray County
$11.96
$622
$24,880
1.6
$64,600
$1,615
$19,380
$485
534
26%
$12.94
$673
0.9
Greeley County
$11.96
$622
$24,880
1.6
$69,000
$1,725
$20,700
$518
108
22%
$18.42
$958
0.6
Greenwood County
$11.96
$622
$24,880
1.6
$53,900
$1,348
$16,170
$404
779
27%
$9.28
$482
1.3
Hamilton County
$13.06
$679
$27,160
1.8
$46,800
$1,170
$14,040
$351
268
24%
$16.68
$868
0.8
Harper County
$11.96
$622
$24,880
1.6
$49,500
$1,238
$14,850
$371
740
28%
$12.34
$641
1.0
Harvey County
$14.23
$740
$29,600
2.0
$65,900
$1,648
$19,770
$494
3,502
27%
$9.07
$472
1.6
Haskell County
$12.56
$653
$26,120
1.7
$63,700
$1,593
$19,110
$478
354
25%
$15.03
$781
0.8
Hodgeman County
$11.96
$622
$24,880
1.6
$61,000
$1,525
$18,300
$458
168
21%
$9.87
$513
1.2
Jackson County
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
1,209
22%
$8.54
$444
1.6
Jefferson County
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
1,063
14%
$9.21
$479
1.5
Jewell County
$11.96
$622
$24,880
1.6
$52,400
$1,310
$15,720
$393
312
22%
$13.69
$712
0.9
Johnson County
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
62,203
29%
$14.22
$740
1.2
Kearny County
$11.96
$622
$24,880
1.6
$58,800
$1,470
$17,640
$441
339
24%
$16.18
$841
0.7
Kingman County
$11.96
$622
$24,880
1.6
$57,800
$1,445
$17,340
$434
851
26%
$13.31
$692
0.9
1: BR = Bedroom
83
Kansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Kiowa County
$11.96
$622
$24,880
1.6
$48,800
$1,220
$14,640
$366
344
32%
$8.53
$443
Labette County
$11.96
$622
$24,880
1.6
$52,300
$1,308
$15,690
$392
2,625
30%
$9.80
$510
1.4
1.2
Lane County
$12.90
$671
$26,840
1.8
$62,500
$1,563
$18,750
$469
192
25%
$14.96
$778
0.9
Leavenworth County
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
8,479
32%
$10.34
$538
1.6
Lincoln County
$11.96
$622
$24,880
1.6
$56,700
$1,418
$17,010
$425
292
20%
$8.23
$428
1.5
Linn County
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
751
18%
$12.00
$624
1.4
Logan County
$11.96
$622
$24,880
1.6
$62,700
$1,568
$18,810
$470
352
27%
$7.73
$402
1.5
Lyon County
$12.17
$633
$25,320
1.7
$52,800
$1,320
$15,840
$396
5,152
39%
$8.46
$440
1.4
Marion County
$11.96
$622
$24,880
1.6
$58,800
$1,470
$17,640
$441
1,035
21%
$8.73
$454
1.4
Marshall County
$11.96
$622
$24,880
1.6
$58,400
$1,460
$17,520
$438
1,004
23%
$11.93
$621
1.0
McPherson County
$12.65
$658
$26,320
1.7
$71,100
$1,778
$21,330
$533
2,645
23%
$10.84
$563
1.2
Meade County
$11.96
$622
$24,880
1.6
$56,300
$1,408
$16,890
$422
522
30%
$13.87
$721
0.9
Miami County
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
2,325
19%
$7.44
$387
2.2
Mitchell County
$11.96
$622
$24,880
1.6
$56,400
$1,410
$16,920
$423
713
26%
$8.95
$465
1.3
Montgomery County
$11.96
$622
$24,880
1.6
$55,400
$1,385
$16,620
$416
3,994
28%
$7.90
$411
1.5
Morris County
$11.96
$622
$24,880
1.6
$58,100
$1,453
$17,430
$436
551
22%
$7.08
$368
1.7
Morton County
$11.96
$622
$24,880
1.6
$60,000
$1,500
$18,000
$450
336
28%
$14.00
$728
0.9
Nemaha County
$11.96
$622
$24,880
1.6
$61,100
$1,528
$18,330
$458
835
21%
$8.01
$417
1.5
Neosho County
$11.96
$622
$24,880
1.6
$51,300
$1,283
$15,390
$385
1,791
27%
$8.48
$441
1.4
Ness County
$11.96
$622
$24,880
1.6
$58,000
$1,450
$17,400
$435
236
17%
$12.45
$647
1.0
Norton County
$11.96
$622
$24,880
1.6
$63,400
$1,585
$19,020
$476
587
26%
$7.81
$406
1.5
Osage County
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
1,371
21%
$7.33
$381
1.9
Osborne County
$11.96
$622
$24,880
1.6
$51,000
$1,275
$15,300
$383
292
17%
$10.47
$544
1.1
Ottawa County
$11.96
$622
$24,880
1.6
$63,800
$1,595
$19,140
$479
459
19%
$9.21
$479
1.3
Pawnee County
$12.40
$645
$25,800
1.7
$60,800
$1,520
$18,240
$456
660
26%
$9.01
$469
1.4
Phillips County
$11.96
$622
$24,880
1.6
$57,000
$1,425
$17,100
$428
497
21%
$11.75
$611
1.0
Pottawatomie County
$15.12
$786
$31,440
2.1
$59,600
$1,490
$17,880
$447
1,750
22%
$11.31
$588
1.3
Pratt County
$12.42
$646
$25,840
1.7
$56,900
$1,423
$17,070
$427
1,307
32%
$10.08
$524
1.2
Rawlins County
$11.96
$622
$24,880
1.6
$53,200
$1,330
$15,960
$399
342
28%
$10.72
$558
1.1
Reno County
$12.85
$668
$26,720
1.8
$53,400
$1,335
$16,020
$401
8,240
32%
$10.20
$530
1.3
Republic County
$11.96
$622
$24,880
1.6
$56,900
$1,423
$17,070
$427
438
19%
$9.75
$507
1.2
1: BR = Bedroom
84
Kansas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Rice County
$11.96
$622
$24,880
1.6
$58,000
$1,450
$17,400
$435
942
24%
$8.03
$417
Riley County
$15.12
$786
$31,440
2.1
$59,600
$1,490
$17,880
$447
14,715
57%
$9.26
$482
1.5
1.6
Rooks County
$11.96
$622
$24,880
1.6
$50,100
$1,253
$15,030
$376
635
27%
$11.61
$604
1.0
Rush County
$11.96
$622
$24,880
1.6
$50,500
$1,263
$15,150
$379
355
23%
$11.19
$582
1.1
Russell County
$13.21
$687
$27,480
1.8
$51,200
$1,280
$15,360
$384
758
23%
$8.80
$458
1.5
Saline County
$12.98
$675
$27,000
1.8
$59,600
$1,490
$17,880
$447
7,042
32%
$10.26
$534
1.3
Scott County
$11.96
$622
$24,880
1.6
$66,000
$1,650
$19,800
$495
486
24%
$15.65
$814
0.8
Sedgwick County
$14.23
$740
$29,600
2.0
$65,900
$1,648
$19,770
$494
66,534
35%
$12.41
$645
1.1
Seward County
$13.94
$725
$29,000
1.9
$50,600
$1,265
$15,180
$380
2,552
35%
$11.29
$587
1.2
Shawnee County
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
25,567
35%
$11.63
$605
1.2
Sheridan County
$11.96
$622
$24,880
1.6
$58,100
$1,453
$17,430
$436
267
24%
$9.25
$481
1.3
Sherman County
$11.96
$622
$24,880
1.6
$50,500
$1,263
$15,150
$379
1,129
41%
$8.04
$418
1.5
Smith County
$11.96
$622
$24,880
1.6
$53,100
$1,328
$15,930
$398
363
20%
$7.56
$393
1.6
Stafford County
$11.96
$622
$24,880
1.6
$56,900
$1,423
$17,070
$427
381
20%
$11.57
$602
1.0
Stanton County
$11.96
$622
$24,880
1.6
$53,500
$1,338
$16,050
$401
169
22%
$14.51
$755
0.8
Stevens County
$15.31
$796
$31,840
2.1
$66,600
$1,665
$19,980
$500
492
25%
$9.39
$488
1.6
Sumner County
$12.88
$670
$26,800
1.8
$66,000
$1,650
$19,800
$495
2,147
23%
$8.44
$439
1.5
Thomas County
$11.96
$622
$24,880
1.6
$70,400
$1,760
$21,120
$528
1,012
32%
$6.86
$357
1.7
Trego County
$12.58
$654
$26,160
1.7
$55,600
$1,390
$16,680
$417
254
21%
$13.71
$713
0.9
Wabaunsee County
$13.71
$713
$28,520
1.9
$65,400
$1,635
$19,620
$491
352
13%
$7.80
$406
1.8
Wallace County
$11.96
$622
$24,880
1.6
$57,400
$1,435
$17,220
$431
130
22%
$12.83
$667
0.9
Washington County
$11.96
$622
$24,880
1.6
$55,200
$1,380
$16,560
$414
497
20%
$9.15
$476
1.3
Wichita County
$13.23
$688
$27,520
1.8
$56,900
$1,423
$17,070
$427
212
23%
$11.92
$620
1.1
Wilson County
$11.96
$622
$24,880
1.6
$52,200
$1,305
$15,660
$392
924
24%
$11.98
$623
1.0
Woodson County
$11.96
$622
$24,880
1.6
$48,500
$1,213
$14,550
$364
349
23%
$10.92
$568
1.1
Wyandotte County
$16.38
$852
$34,080
2.3
$69,900
$1,748
$20,970
$524
22,245
39%
$13.74
$714
1.2
1: BR = Bedroom
85
Kentucky
In Kentucky, the Fair Market Rent (FMR) for a two-bedroom apartment is $660. In order to afford this level of rent
Wage of:
$12.69
In Kentucky, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Kentucky, the estimated mean (average) wage for a renter is $11.00. In order to afford the FMR for a two-bedroom
FMR affordable.
$660
Two-Bedroom FMR
$1,409

$572
$423
$237
Minimum Wage Earner
$283
SSI Recipient
$444
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$88
$216
$0
$500
$1,000
$1,500
86
Kentucky
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Kentucky
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$12.69
$660
$26,393
1.8
$56,353
$1,409
$16,906
$423
529,509
31%
$11.00
$572
1.2
$11.38
$592
$23,664
1.6
$46,223
$1,156
$13,867
$347
196,330
28%
$9.44
$491
1.2
Bowling Green MSA
$12.71
$661
$26,440
1.8
$57,200
$1,430
$17,160
$429
18,833
39%
$9.80
$509
1.3
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
43,460
29%
$11.51
$598
1.2
Clarksville HMFA
$14.75
$767
$30,680
2.0
$54,100
$1,353
$16,230
$406
13,288
41%
$12.34
$642
1.2
Elizabethtown MSA
$11.25
$585
$23,400
1.6
$56,300
$1,408
$16,890
$422
15,307
35%
$11.22
$583
1.0
Evansville HMFA
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
7,099
30%
$10.08
$524
1.4
Grant County HMFA
$13.19
$686
$27,440
1.8
$50,500
$1,263
$15,150
$379
2,312
27%
$11.36
$591
1.2
Huntington-Ashland MSA
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
9,520
28%
$10.82
$563
1.1
Lexington-Fayette MSA
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
76,077
40%
$11.10
$577
1.2
Louisville HMFA
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
123,341
34%
$12.81
$666
1.1
Meade County HMFA
$12.23
$636
$25,440
1.7
$51,000
$1,275
$15,300
$383
2,947
29%
$13.67
$711
0.9
Nelson County HMFA
$11.77
$612
$24,480
1.6
$54,600
$1,365
$16,380
$410
4,030
24%
$8.91
$463
1.3
Owensboro MSA
$12.04
$626
$25,040
1.7
$60,300
$1,508
$18,090
$452
12,561
28%
$9.48
$493
1.3
Shelby County HMFA
$13.27
$690
$27,600
1.8
$73,700
$1,843
$22,110
$553
4,404
29%
$11.04
$574
1.2
Adair County
$10.87
$565
$22,600
1.5
$46,000
$1,150
$13,800
$345
1,915
26%
$7.03
$365
Allen County
$10.87
$565
$22,600
1.5
$46,900
$1,173
$14,070
$352
2,086
26%
$8.11
$422
1.3
Anderson County
$12.90
$671
$26,840
1.8
$68,000
$1,700
$20,400
$510
2,184
26%
$10.09
$525
1.3
Ballard County
$10.87
$565
$22,600
1.5
$51,900
$1,298
$15,570
$389
655
19%
$14.19
$738
0.8
Barren County
$10.87
$565
$22,600
1.5
$50,800
$1,270
$15,240
$381
5,282
31%
$8.35
$434
1.3
Bath County
$10.87
$565
$22,600
1.5
$37,800
$945
$11,340
$284
973
22%
$6.23
$324
1.7
Bell County
$10.87
$565
$22,600
1.5
$32,600
$815
$9,780
$245
3,556
33%
$7.79
$405
1.4
Metropolitan Areas
Counties
1.5
Boone County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
10,255
24%
$11.63
$605
1.2
Bourbon County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
3,129
39%
$11.11
$578
1.2
Boyd County
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
6,193
32%
$11.49
$598
1.1
Boyle County
$12.31
$640
$25,600
1.7
$50,200
$1,255
$15,060
$377
3,705
33%
$10.22
$531
1.2
Bracken County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
676
21%
$9.00
$468
1.6
1: BR = Bedroom
87
Kentucky
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Breathitt County
$10.87
$565
$22,600
1.5
$32,800
$820
$9,840
$246
1,368
26%
$9.58
$498
1.1
Breckinridge County
$10.87
$565
$22,600
1.5
$47,500
$1,188
$14,250
$356
1,423
19%
$7.52
$391
1.4
Bullitt County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
5,269
19%
$8.87
$461
1.5
Butler County
$10.87
$565
$22,600
1.5
$44,300
$1,108
$13,290
$332
1,222
24%
$5.21
$271
2.1
Caldwell County
$10.87
$565
$22,600
1.5
$51,100
$1,278
$15,330
$383
1,275
25%
$7.62
$396
1.4
Calloway County
$12.23
$636
$25,440
1.7
$57,400
$1,435
$17,220
$431
5,004
33%
$7.08
$368
1.7
Campbell County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
10,378
29%
$8.45
$439
1.7
Carlisle County
$11.67
$607
$24,280
1.6
$43,300
$1,083
$12,990
$325
286
14%
$5.44
$283
2.1
Carroll County
$12.42
$646
$25,840
1.7
$50,700
$1,268
$15,210
$380
1,648
39%
$14.01
$729
0.9
Carter County
$10.87
$565
$22,600
1.5
$46,200
$1,155
$13,860
$347
2,260
22%
$7.89
$410
1.4
Casey County
$10.87
$565
$22,600
1.5
$39,800
$995
$11,940
$299
1,166
19%
$6.85
$356
1.6
Christian County
$14.75
$767
$30,680
2.0
$54,100
$1,353
$16,230
$406
12,155
47%
$12.90
$671
1.1
Clark County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
5,112
35%
$9.21
$479
1.5
Clay County
$10.87
$565
$22,600
1.5
$30,500
$763
$9,150
$229
1,705
24%
$8.00
$416
1.4
Clinton County
$10.87
$565
$22,600
1.5
$32,900
$823
$9,870
$247
898
23%
$8.53
$444
1.3
Crittenden County
$10.87
$565
$22,600
1.5
$49,200
$1,230
$14,760
$369
949
25%
$8.60
$447
1.3
Cumberland County
$10.87
$565
$22,600
1.5
$34,500
$863
$10,350
$259
685
26%
$7.42
$386
1.5
Daviess County
$12.04
$626
$25,040
1.7
$60,300
$1,508
$18,090
$452
11,189
30%
$9.13
$475
1.3
Edmonson County
$12.71
$661
$26,440
1.8
$57,200
$1,430
$17,160
$429
1,250
26%
$7.00
$364
1.8
Elliott County
$10.87
$565
$22,600
1.5
$35,800
$895
$10,740
$269
510
20%
$5.02
$261
2.2
Estill County
$10.87
$565
$22,600
1.5
$38,000
$950
$11,400
$285
1,661
29%
$7.42
$386
1.5
Fayette County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
53,652
44%
$11.11
$578
1.2
Fleming County
$10.87
$565
$22,600
1.5
$52,200
$1,305
$15,660
$392
1,182
22%
$9.72
$506
1.1
Floyd County
$10.87
$565
$22,600
1.5
$35,400
$885
$10,620
$266
4,643
30%
$11.17
$581
1.0
Franklin County
$12.79
$665
$26,600
1.8
$63,300
$1,583
$18,990
$475
7,696
37%
$10.60
$551
1.2
Fulton County
$10.87
$565
$22,600
1.5
$39,000
$975
$11,700
$293
1,181
40%
$8.42
$438
1.3
Gallatin County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
893
30%
$10.92
$568
1.3
Garrard County
$11.00
$572
$22,880
1.5
$53,100
$1,328
$15,930
$398
1,295
21%
$6.27
$326
1.8
Grant County
$13.19
$686
$27,440
1.8
$50,500
$1,263
$15,150
$379
2,312
27%
$11.36
$591
1.2
Graves County
$11.08
$576
$23,040
1.5
$48,800
$1,220
$14,640
$366
3,669
25%
$8.77
$456
1.3
Grayson County
$10.87
$565
$22,600
1.5
$44,200
$1,105
$13,260
$332
2,742
28%
$9.28
$482
1.2
1: BR = Bedroom
88
Kentucky
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Green County
$10.87
$565
$22,600
1.5
$46,400
$1,160
$13,920
$348
1,086
24%
$5.74
$299
Greenup County
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
3,327
23%
$8.33
$433
1.9
1.5
Hancock County
$12.04
$626
$25,040
1.7
$60,300
$1,508
$18,090
$452
561
17%
$13.05
$679
0.9
Hardin County
$11.25
$585
$23,400
1.6
$56,300
$1,408
$16,890
$422
14,082
36%
$11.55
$600
1.0
Harlan County
$10.87
$565
$22,600
1.5
$34,200
$855
$10,260
$257
3,383
31%
$11.16
$581
1.0
Harrison County
$11.52
$599
$23,960
1.6
$54,500
$1,363
$16,350
$409
2,513
35%
$9.83
$511
1.2
Hart County
$10.87
$565
$22,600
1.5
$44,400
$1,110
$13,320
$333
1,700
24%
$6.54
$340
1.7
Henderson County
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
5,843
31%
$9.45
$491
1.5
Henry County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
1,709
28%
$8.38
$436
1.6
Hickman County
$10.87
$565
$22,600
1.5
$51,900
$1,298
$15,570
$389
442
22%
$7.87
$409
1.4
Hopkins County
$10.87
$565
$22,600
1.5
$51,500
$1,288
$15,450
$386
5,189
28%
$12.56
$653
0.9
Jackson County
$12.15
$632
$25,280
1.7
$26,900
$673
$8,070
$202
1,406
24%
$8.17
$425
1.5
Jefferson County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
111,813
37%
$13.20
$687
1.0
Jessamine County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
6,182
34%
$9.68
$504
1.4
Johnson County
$10.87
$565
$22,600
1.5
$42,100
$1,053
$12,630
$316
2,389
26%
$7.85
$408
1.4
Kenton County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
19,899
32%
$12.84
$667
1.1
Knott County
$10.87
$565
$22,600
1.5
$40,200
$1,005
$12,060
$302
1,340
23%
$14.13
$735
0.8
Knox County
$10.87
$565
$22,600
1.5
$34,100
$853
$10,230
$256
4,529
36%
$9.29
$483
1.2
Larue County
$11.25
$585
$23,400
1.6
$56,300
$1,408
$16,890
$422
1,225
23%
$5.96
$310
1.9
Laurel County
$11.23
$584
$23,360
1.5
$45,600
$1,140
$13,680
$342
6,015
27%
$9.15
$476
1.2
Lawrence County
$10.87
$565
$22,600
1.5
$40,500
$1,013
$12,150
$304
1,325
23%
$7.53
$391
1.4
Lee County
$10.87
$565
$22,600
1.5
$37,200
$930
$11,160
$279
749
26%
$6.14
$319
1.8
Leslie County
$11.08
$576
$23,040
1.5
$39,300
$983
$11,790
$295
983
23%
$10.17
$529
1.1
Letcher County
$10.87
$565
$22,600
1.5
$43,100
$1,078
$12,930
$323
2,227
24%
$9.39
$488
1.2
Lewis County
$10.87
$565
$22,600
1.5
$37,700
$943
$11,310
$283
1,024
21%
$7.86
$409
1.4
Lincoln County
$10.87
$565
$22,600
1.5
$43,400
$1,085
$13,020
$326
2,301
24%
$7.29
$379
1.5
Livingston County
$10.87
$565
$22,600
1.5
$48,000
$1,200
$14,400
$360
666
19%
$10.81
$562
1.0
Logan County
$11.75
$611
$24,440
1.6
$48,300
$1,208
$14,490
$362
2,996
27%
$11.62
$604
1.0
Lyon County
$10.87
$565
$22,600
1.5
$51,900
$1,298
$15,570
$389
692
21%
$7.17
$373
1.5
Madison County
$11.62
$604
$24,160
1.6
$54,200
$1,355
$16,260
$407
12,204
39%
$8.97
$466
1.3
Magoffin County
$10.87
$565
$22,600
1.5
$38,300
$958
$11,490
$287
1,047
21%
$6.15
$320
1.8
1: BR = Bedroom
89
Kentucky
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Marion County
$11.37
$591
$23,640
1.6
$51,200
$1,280
$15,360
$384
1,698
23%
$8.79
$457
1.3
Marshall County
$11.98
$623
$24,920
1.7
$58,700
$1,468
$17,610
$440
2,354
19%
$12.14
$631
1.0
Martin County
$10.87
$565
$22,600
1.5
$29,700
$743
$8,910
$223
1,327
30%
$9.66
$502
1.1
Mason County
$11.08
$576
$23,040
1.5
$51,800
$1,295
$15,540
$389
1,875
28%
$9.40
$489
1.2
McCracken County
$11.83
$615
$24,600
1.6
$56,400
$1,410
$16,920
$423
8,644
32%
$10.26
$533
1.2
McCreary County
$10.87
$565
$22,600
1.5
$31,200
$780
$9,360
$234
1,829
29%
$7.22
$376
1.5
McLean County
$12.04
$626
$25,040
1.7
$60,300
$1,508
$18,090
$452
811
22%
$8.89
$462
1.4
Meade County
$12.23
$636
$25,440
1.7
$51,000
$1,275
$15,300
$383
2,947
29%
$13.67
$711
0.9
Menifee County
$10.87
$565
$22,600
1.5
$38,400
$960
$11,520
$288
578
25%
$5.72
$298
1.9
Mercer County
$11.46
$596
$23,840
1.6
$59,500
$1,488
$17,850
$446
2,197
26%
$8.90
$463
1.3
Metcalfe County
$11.62
$604
$24,160
1.6
$43,000
$1,075
$12,900
$323
855
22%
$11.07
$576
1.0
Monroe County
$10.87
$565
$22,600
1.5
$38,800
$970
$11,640
$291
1,221
27%
$7.81
$406
1.4
Montgomery County
$11.13
$579
$23,160
1.5
$47,400
$1,185
$14,220
$356
3,292
33%
$10.22
$532
1.1
Morgan County
$10.87
$565
$22,600
1.5
$40,900
$1,023
$12,270
$307
1,220
26%
$7.98
$415
1.4
Muhlenberg County
$10.87
$565
$22,600
1.5
$45,500
$1,138
$13,650
$341
2,319
19%
$8.07
$419
1.3
Nelson County
$11.77
$612
$24,480
1.6
$54,600
$1,365
$16,380
$410
4,030
24%
$8.91
$463
1.3
Nicholas County
$10.87
$565
$22,600
1.5
$44,100
$1,103
$13,230
$331
611
22%
$5.70
$296
1.9
Ohio County
$10.87
$565
$22,600
1.5
$46,900
$1,173
$14,070
$352
1,914
22%
$10.17
$529
1.1
Oldham County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
2,912
15%
$6.58
$342
2.1
Owen County
$11.69
$608
$24,320
1.6
$62,900
$1,573
$18,870
$472
1,257
27%
$8.33
$433
1.4
Owsley County
$10.87
$565
$22,600
1.5
$26,700
$668
$8,010
$200
391
24%
$7.91
$411
1.4
Pendleton County
$14.13
$735
$29,400
1.9
$68,500
$1,713
$20,550
$514
1,359
25%
$10.00
$520
1.4
Perry County
$10.87
$565
$22,600
1.5
$42,700
$1,068
$12,810
$320
2,995
27%
$9.90
$515
1.1
Pike County
$13.65
$710
$28,400
1.9
$43,700
$1,093
$13,110
$328
7,094
26%
$12.35
$642
1.1
Powell County
$10.87
$565
$22,600
1.5
$38,000
$950
$11,400
$285
1,589
34%
$5.69
$296
1.9
Pulaski County
$11.08
$576
$23,040
1.5
$44,500
$1,113
$13,350
$334
7,836
30%
$8.65
$450
1.3
Robertson County
$14.33
$745
$29,800
2.0
$49,500
$1,238
$14,850
$371
231
28%
$7.32
$381
2.0
Rockcastle County
$10.87
$565
$22,600
1.5
$39,900
$998
$11,970
$299
1,419
22%
$6.40
$333
1.7
Rowan County
$11.04
$574
$22,960
1.5
$47,000
$1,175
$14,100
$353
2,872
35%
$6.41
$333
1.7
Russell County
$10.87
$565
$22,600
1.5
$41,400
$1,035
$12,420
$311
1,784
24%
$7.49
$389
1.5
Scott County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
5,167
29%
$12.52
$651
1.1
1: BR = Bedroom
90
Kentucky
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Shelby County
$13.27
$690
$27,600
1.8
$73,700
$1,843
$22,110
$553
4,404
29%
$11.04
$574
1.2
Simpson County
$12.02
$625
$25,000
1.7
$53,400
$1,335
$16,020
$401
2,134
32%
$10.61
$552
1.1
Spencer County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
834
13%
$6.79
$353
2.0
Taylor County
$11.65
$606
$24,240
1.6
$47,500
$1,188
$14,250
$356
2,786
29%
$7.32
$381
1.6
Todd County
$11.23
$584
$23,360
1.5
$46,800
$1,170
$14,040
$351
1,362
29%
$8.56
$445
1.3
Trigg County
$14.75
$767
$30,680
2.0
$54,100
$1,353
$16,230
$406
1,133
19%
$7.10
$369
2.1
Trimble County
$13.56
$705
$28,200
1.9
$64,300
$1,608
$19,290
$482
804
23%
$12.69
$660
1.1
Union County
$10.87
$565
$22,600
1.5
$52,800
$1,320
$15,840
$396
1,324
24%
$11.52
$599
0.9
Warren County
$12.71
$661
$26,440
1.8
$57,200
$1,430
$17,160
$429
17,583
40%
$9.84
$512
1.3
Washington County
$10.87
$565
$22,600
1.5
$53,600
$1,340
$16,080
$402
850
19%
$8.67
$451
1.3
Wayne County
$10.87
$565
$22,600
1.5
$33,000
$825
$9,900
$248
2,439
29%
$7.12
$370
1.5
Webster County
$14.21
$739
$29,560
2.0
$60,600
$1,515
$18,180
$455
1,256
25%
$14.47
$753
1.0
Whitley County
$11.48
$597
$23,880
1.6
$37,600
$940
$11,280
$282
4,263
32%
$10.90
$567
1.1
Wolfe County
$12.17
$633
$25,320
1.7
$28,900
$723
$8,670
$217
740
28%
$5.46
$284
2.2
Woodford County
$13.79
$717
$28,680
1.9
$67,800
$1,695
$20,340
$509
2,835
29%
$12.04
$626
1.1
1: BR = Bedroom
91
Louisiana
In Louisiana, the Fair Market Rent (FMR) for a two-bedroom apartment is $804. In order to afford this level of rent
Wage of:
$15.45
In Louisiana, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Louisiana, the estimated mean (average) wage for a renter is $12.71. In order to afford the FMR for a two-bedroom
FMR affordable.
$804
Two-Bedroom FMR
$1,421

$661

$426
$378
Minimum Wage Earner
$427
SSI Recipient
$588
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$143
$216
$0
$500
$1,000
$1,500
92
Louisiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Louisiana
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$15.45
$804
$32,145
2.1
$56,820
$1,421
$17,046
$426
553,534
33%
$12.71
$661
1.2
$13.45
$699
$27,970
1.9
$48,669
$1,217
$14,601
$365
126,486
30%
$10.48
$545
1.3
Alexandria MSA
$12.62
$656
$26,240
1.7
$46,100
$1,153
$13,830
$346
17,410
32%
$10.28
$535
1.2
Baton Rouge HMFA
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
87,986
31%
$12.06
$627
1.3
Houma-Bayou Cane-Thibodaux MSA
$14.87
$773
$30,920
2.1
$56,000
$1,400
$16,800
$420
17,764
24%
$14.85
$772
1.0
Iberville Parish HMFA
$12.25
$637
$25,480
1.7
$55,200
$1,380
$16,560
$414
2,535
23%
$17.26
$898
0.7
Lafayette MSA
$15.21
$791
$31,640
2.1
$64,200
$1,605
$19,260
$482
33,851
32%
$13.82
$719
1.1
Lake Charles MSA
$14.02
$729
$29,160
1.9
$55,900
$1,398
$16,770
$419
21,011
28%
$12.93
$672
1.1
Metropolitan Areas
Monroe MSA
$13.33
$693
$27,720
1.8
$46,900
$1,173
$14,070
$352
24,272
37%
$9.82
$511
1.4
New Orleans-Metairie-Kenner MSA
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
168,547
37%
$14.70
$764
1.2
Shreveport-Bossier City MSA
$14.56
$757
$30,280
2.0
$59,700
$1,493
$17,910
$448
53,672
35%
$11.38
$592
1.3
Acadia Parish
$12.25
$637
$25,480
1.7
$48,400
$1,210
$14,520
$363
6,800
31%
$9.99
$519
Allen Parish
$12.25
$637
$25,480
1.7
$48,000
$1,200
$14,400
$360
2,250
27%
$9.31
$484
1.3
Ascension Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
6,824
18%
$10.62
$552
1.4
Assumption Parish
$12.62
$656
$26,240
1.7
$54,500
$1,363
$16,350
$409
1,507
17%
$9.65
$502
1.3
Avoyelles Parish
$12.79
$665
$26,600
1.8
$40,700
$1,018
$12,210
$305
4,752
30%
$9.88
$514
1.3
Beauregard Parish
$12.92
$672
$26,880
1.8
$55,100
$1,378
$16,530
$413
2,907
22%
$11.34
$589
1.1
Bienville Parish
$12.25
$637
$25,480
1.7
$40,100
$1,003
$12,030
$301
1,534
27%
$8.09
$420
1.5
Bossier Parish
$14.56
$757
$30,280
2.0
$59,700
$1,493
$17,910
$448
14,576
33%
$10.25
$533
1.4
Caddo Parish
$14.56
$757
$30,280
2.0
$59,700
$1,493
$17,910
$448
36,792
37%
$11.93
$621
1.2
Calcasieu Parish
$14.02
$729
$29,160
1.9
$55,900
$1,398
$16,770
$419
20,791
29%
$12.59
$655
1.1
Caldwell Parish
$12.25
$637
$25,480
1.7
$51,400
$1,285
$15,420
$386
1,028
26%
$6.23
$324
2.0
Cameron Parish
$14.02
$729
$29,160
1.9
$55,900
$1,398
$16,770
$419
220
9%
$24.92
$1,296
0.6
Catahoula Parish
$12.25
$637
$25,480
1.7
$43,100
$1,078
$12,930
$323
767
20%
$5.67
$295
2.2
Claiborne Parish
$12.25
$637
$25,480
1.7
$41,500
$1,038
$12,450
$311
1,487
26%
$12.94
$673
0.9
Concordia Parish
$12.25
$637
$25,480
1.7
$42,200
$1,055
$12,660
$317
2,727
35%
$9.09
$473
1.3
De Soto Parish
$14.56
$757
$30,280
2.0
$59,700
$1,493
$17,910
$448
2,304
23%
$8.96
$466
1.6
Counties
1.2
1: BR = Bedroom
93
Louisiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
East Baton Rouge Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
63,984
38%
$12.60
$655
1.2
East Carroll Parish
$12.25
$637
$25,480
1.7
$30,800
$770
$9,240
$231
995
42%
$7.70
$400
1.6
East Feliciana Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
1,529
22%
$6.48
$337
2.4
Evangeline Parish
$12.25
$637
$25,480
1.7
$45,400
$1,135
$13,620
$341
3,756
31%
$8.18
$425
1.5
Franklin Parish
$12.25
$637
$25,480
1.7
$44,700
$1,118
$13,410
$335
2,190
28%
$6.26
$325
2.0
Grant Parish
$12.62
$656
$26,240
1.7
$46,100
$1,153
$13,830
$346
1,533
21%
$9.85
$512
1.3
Iberia Parish
$13.60
$707
$28,280
1.9
$55,900
$1,398
$16,770
$419
7,571
29%
$14.05
$730
1.0
Iberville Parish
$12.25
$637
$25,480
1.7
$55,200
$1,380
$16,560
$414
2,535
23%
$17.26
$898
0.7
Jackson Parish
$12.25
$637
$25,480
1.7
$51,700
$1,293
$15,510
$388
1,950
32%
$10.22
$532
1.2
Jefferson Davis Parish
$12.25
$637
$25,480
1.7
$57,100
$1,428
$17,130
$428
2,795
24%
$9.16
$476
1.3
Jefferson Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
61,068
37%
$14.36
$747
1.3
La Salle Parish
$12.25
$637
$25,480
1.7
$59,200
$1,480
$17,760
$444
864
15%
$10.24
$533
1.2
Lafayette Parish
$15.21
$791
$31,640
2.1
$64,200
$1,605
$19,260
$482
30,116
35%
$14.14
$736
1.1
Lafourche Parish
$14.87
$773
$30,920
2.1
$56,000
$1,400
$16,800
$420
7,630
22%
$13.66
$710
1.1
Lincoln Parish
$14.60
$759
$30,360
2.0
$52,000
$1,300
$15,600
$390
7,368
44%
$9.29
$483
1.6
Livingston Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
9,512
21%
$8.77
$456
1.8
Madison Parish
$12.67
$659
$26,360
1.7
$37,100
$928
$11,130
$278
1,761
43%
$8.53
$444
1.5
Morehouse Parish
$13.29
$691
$27,640
1.8
$41,000
$1,025
$12,300
$308
3,320
32%
$7.62
$396
1.7
Natchitoches Parish
$13.98
$727
$29,080
1.9
$44,300
$1,108
$13,290
$332
6,027
40%
$7.70
$401
1.8
Orleans Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
75,346
52%
$15.12
$786
1.2
Ouachita Parish
$13.33
$693
$27,720
1.8
$46,900
$1,173
$14,070
$352
22,545
39%
$10.12
$526
1.3
Plaquemines Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
1,998
24%
$23.83
$1,239
0.8
Pointe Coupee Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
1,960
22%
$10.45
$543
1.5
Rapides Parish
$12.62
$656
$26,240
1.7
$46,100
$1,153
$13,830
$346
15,877
33%
$10.30
$535
1.2
Red River Parish
$12.25
$637
$25,480
1.7
$47,100
$1,178
$14,130
$353
744
23%
$9.04
$470
1.4
Richland Parish
$12.25
$637
$25,480
1.7
$46,200
$1,155
$13,860
$347
2,302
31%
$9.82
$511
1.2
Sabine Parish
$12.25
$637
$25,480
1.7
$47,900
$1,198
$14,370
$359
2,095
23%
$7.27
$378
1.7
St. Bernard Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
4,041
31%
$14.02
$729
1.3
St. Charles Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
3,269
18%
$18.66
$970
1.0
St. Helena Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
819
19%
$11.94
$621
1.3
St. James Parish
$12.25
$637
$25,480
1.7
$65,900
$1,648
$19,770
$494
1,331
17%
$17.34
$902
0.7
1: BR = Bedroom
94
Louisiana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
St. John the Baptist Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
3,542
23%
$12.61
$656
1.4
St. Landry Parish
$12.25
$637
$25,480
1.7
$46,400
$1,160
$13,920
$348
8,936
29%
$7.41
$385
1.7
St. Martin Parish
$15.21
$791
$31,640
2.1
$64,200
$1,605
$19,260
$482
3,735
20%
$9.86
$513
1.5
St. Mary Parish
$13.38
$696
$27,840
1.8
$49,400
$1,235
$14,820
$371
6,221
31%
$14.75
$767
0.9
St. Tammany Parish
$18.23
$948
$37,920
2.5
$58,800
$1,470
$17,640
$441
19,283
22%
$12.21
$635
1.5
Tangipahoa Parish
$15.81
$822
$32,880
2.2
$48,400
$1,210
$14,520
$363
14,184
32%
$8.74
$454
1.8
Tensas Parish
$12.25
$637
$25,480
1.7
$35,400
$885
$10,620
$266
778
37%
Terrebonne Parish
$14.87
$773
$30,920
2.1
$56,000
$1,400
$16,800
$420
10,134
26%
$15.62
$812
1.0
Union Parish
$13.33
$693
$27,720
1.8
$46,900
$1,173
$14,070
$352
1,727
21%
$5.41
$281
2.5
Vermilion Parish
$12.63
$657
$26,280
1.7
$56,900
$1,423
$17,070
$427
5,148
23%
$11.10
$577
1.1
Vernon Parish
$17.60
$915
$36,600
2.4
$53,400
$1,335
$16,020
$401
8,036
44%
$14.15
$736
1.2
Washington Parish
$12.63
$657
$26,280
1.7
$39,700
$993
$11,910
$298
4,655
27%
$9.73
$506
1.3
Webster Parish
$12.25
$637
$25,480
1.7
$46,900
$1,173
$14,070
$352
5,064
31%
$10.44
$543
1.2
West Baton Rouge Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
2,327
27%
$13.17
$685
1.2
West Carroll Parish
$12.25
$637
$25,480
1.7
$42,900
$1,073
$12,870
$322
1,220
29%
$6.74
$350
1.8
West Feliciana Parish
$15.37
$799
$31,960
2.1
$66,400
$1,660
$19,920
$498
1,031
26%
$12.26
$638
1.3
Winn Parish
$12.25
$637
$25,480
1.7
$42,500
$1,063
$12,750
$319
1,416
26%
$9.73
$506
1.3
1: BR = Bedroom
95
Maine
In Maine, the Fair Market Rent (FMR) for a two-bedroom apartment is $842. In order to afford this level of rent and
$16.19
In Maine, a minimum wage worker earns an hourly wage of $7.50. In order to afford the FMR for a two-bedroom
In Maine, the estimated mean (average) wage for a renter is $9.99. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$322
$842
Two-Bedroom FMR
$1,569

$520
$471
$371
Minimum Wage Earner
$452
SSI Recipient
$626
$390
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
96
Maine
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Maine
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$16.19
$842
$33,671
2.2
$62,761
$1,569
$18,828
$471
154,463
28%
$9.99
$520
1.6
$14.22
$740
$29,584
1.9
$55,137
$1,378
$16,541
$414
56,348
24%
$9.00
$468
1.6
Bangor HMFA
$16.56
$861
$34,440
2.2
$60,800
$1,520
$18,240
$456
15,253
40%
$9.47
$492
1.7
Cumberland County HMFA
$16.85
$876
$35,040
2.2
$68,400
$1,710
$20,520
$513
5,082
23%
$11.50
$598
1.5
Lewiston-Auburn MSA
$14.46
$752
$30,080
1.9
$56,100
$1,403
$16,830
$421
14,989
34%
$9.58
$498
1.5
Penobscot County HMFA
$13.08
$680
$27,200
1.7
$51,200
$1,280
$15,360
$384
5,067
21%
$9.47
$492
1.4
Portland HMFA
$19.46
$1,012
$40,480
2.6
$77,300
$1,933
$23,190
$580
35,155
34%
$11.40
$593
1.7
Sagadahoc County HMFA
$16.58
$862
$34,480
2.2
$71,300
$1,783
$21,390
$535
3,559
24%
$9.59
$499
1.7
York County HMFA
$16.85
$876
$35,040
2.2
$68,900
$1,723
$20,670
$517
14,717
28%
$9.66
$502
1.7
York-Kittery-South Berwick HMFA
$20.19
$1,050
$42,000
2.7
$81,000
$2,025
$24,300
$608
4,293
24%
$9.66
$502
2.1
Aroostook County
$12.25
$637
$25,480
1.6
$50,600
$1,265
$15,180
$380
8,636
28%
$8.28
$431
1.5
Franklin County
$12.75
$663
$26,520
1.7
$51,100
$1,278
$15,330
$383
2,886
24%
$8.63
$449
1.5
Hancock County
$15.83
$823
$32,920
2.1
$62,800
$1,570
$18,840
$471
5,996
25%
$8.92
$464
1.8
Kennebec County
$14.85
$772
$30,880
2.0
$60,400
$1,510
$18,120
$453
14,832
29%
$9.42
$490
1.6
Knox County
$17.00
$884
$35,360
2.3
$60,300
$1,508
$18,090
$452
3,438
21%
$8.13
$423
2.1
Lincoln County
$17.65
$918
$36,720
2.4
$60,800
$1,520
$18,240
$456
2,315
15%
$10.78
$561
1.6
Oxford County
$13.40
$697
$27,880
1.8
$51,000
$1,275
$15,300
$383
4,920
21%
$7.94
$413
1.7
Piscataquis County
$12.50
$650
$26,000
1.7
$47,100
$1,178
$14,130
$353
1,669
21%
Somerset County
$13.58
$706
$28,240
1.8
$49,500
$1,238
$14,850
$371
4,808
22%
$9.92
$516
1.4
Waldo County
$14.15
$736
$29,440
1.9
$53,900
$1,348
$16,170
$404
3,550
22%
$9.03
$469
1.6
Washington County
$12.77
$664
$26,560
1.7
$45,700
$1,143
$13,710
$343
3,298
23%
$8.75
$455
1.5
Metropolitan Areas
Counties
1: BR = Bedroom
97
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, Cumberland town, Falmouth town,
Freeport town, Frye Island town, Gorham town, Gray town, Long Island
town, North Yarmouth town, Portland city, Raymond town,
Scarborough town, South Portland city, Standish town, Westbrook city,
Windham town, Yarmouth town
York County
Buxton town, Hollis town, Limington town, Old Orchard Beach town
Sagadahoc County, ME HMFA
Sagadahoc County
Arrowsic town, Bath city, Bowdoin town, Bowdoinham town,
Georgetown town, Perkins UT, Phippsburg town, Richmond town,
Topsham town, West Bath town, Woolwich town
York County, ME (part) HMFA
York County
Acton town, Alfred town, Arundel town, Biddeford city, Cornish town,
Dayton town, Kennebunk town, Kennebunkport town, Lebanon town,
Limerick town, Lyman town, Newfield town, North Berwick town,
Ogunquit town, Parsonsfield town, Saco city, Sanford town, Shapleigh
town, Waterboro town, Wells town
York-Kittery-South Berwick, ME HMFA
York County
Berwick town, Eliot town, Kittery town, South Berwick town, York
town
98
Maryland
In Maryland, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,297. In order to afford this level of rent
Wage of:
$24.94
In Maryland, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Maryland, the estimated mean (average) wage for a renter is $15.31. In order to afford the FMR for a two-bedroom
FMR affordable.
$1,297
Two-Bedroom FMR
$2,266

$796
$680
$617
Minimum Wage Earner
$920
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$501
$216
$0
$500
SSI Recipient
$1,000
$1,500
$2,000
$1,081
$2,500
99
Maryland
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Maryland
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$24.94
$1,297
$51,871
3.4
$90,654
$2,266
$27,196
$680
682,334
32%
$15.31
$796
1.6
$19.18
$997
$39,897
2.6
$76,029
$1,901
$22,809
$570
31,304
26%
$11.24
$585
1.7
Baltimore-Towson HMFA *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
336,949
33%
$15.81
$822
1.5
Cumberland MSA
$12.25
$637
$25,480
1.7
$54,100
$1,353
$16,230
$406
8,619
30%
$8.45
$439
1.5
Hagerstown HMFA
$18.62
$968
$38,720
2.6
$67,600
$1,690
$20,280
$507
18,667
33%
$10.71
$557
1.7
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
9,331
26%
$10.71
$557
2.0
Salisbury HMFA
$16.83
$875
$35,000
2.3
$53,500
$1,338
$16,050
$401
13,325
36%
$11.32
$588
1.5
Somerset County HMFA
$13.38
$696
$27,840
1.8
$52,700
$1,318
$15,810
$395
2,680
32%
$7.93
$413
1.7
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
261,459
32%
$16.14
$839
1.8
Metropolitan Areas
Counties
Allegany County
$12.25
$637
$25,480
1.7
$54,100
$1,353
$16,230
$406
8,619
30%
$8.45
$439
1.5
Anne Arundel County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
50,932
26%
$15.89
$826
1.5
Baltimore city *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
123,130
51%
$18.67
$971
1.3
Baltimore County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
105,563
34%
$15.44
$803
1.6
Calvert County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
5,623
18%
$9.91
$515
2.9
Caroline County
$17.13
$891
$35,640
2.4
$71,700
$1,793
$21,510
$538
3,287
28%
$9.76
$508
1.8
Carroll County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
9,994
17%
$8.45
$440
2.8
Cecil County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
9,331
26%
$10.71
$557
2.0
Charles County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
10,265
20%
$9.24
$480
3.1
Dorchester County
$16.29
$847
$33,880
2.2
$60,100
$1,503
$18,030
$451
4,296
32%
$9.97
$518
1.6
2.2
Frederick County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
20,889
24%
$12.93
$672
Garrett County
$13.29
$691
$27,640
1.8
$58,400
$1,460
$17,520
$438
2,942
24%
$7.38
$384
1.8
Harford County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
17,637
20%
$10.28
$534
2.3
Howard County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
27,102
26%
$16.89
$878
1.4
Kent County
$18.15
$944
$37,760
2.5
$71,100
$1,778
$21,330
$533
2,106
27%
$9.78
$509
1.9
Montgomery County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
113,828
32%
$18.52
$963
1.5
Prince George's County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
110,854
37%
$14.76
$768
1.9
Queen Anne's County *
$24.08
$1,252
$50,080
3.3
$83,500
$2,088
$25,050
$626
2,591
15%
$8.18
$426
2.9
Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See
Appendix A).
1: BR = Bedroom
100
Maryland
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Somerset County
$13.38
$696
$27,840
1.8
$52,700
$1,318
$15,810
$395
2,680
32%
$7.93
$413
1.7
St. Mary's County
$23.38
$1,216
$48,640
3.2
$90,100
$2,253
$27,030
$676
10,178
27%
$17.30
$899
1.4
Talbot County
$20.38
$1,060
$42,400
2.8
$79,800
$1,995
$23,940
$599
4,157
26%
$10.66
$554
1.9
Washington County
$18.62
$968
$38,720
2.6
$67,600
$1,690
$20,280
$507
18,667
33%
$10.71
$557
1.7
Wicomico County
$16.83
$875
$35,000
2.3
$53,500
$1,338
$16,050
$401
13,325
36%
$11.32
$588
1.5
Worcester County
$17.08
$888
$35,520
2.4
$73,100
$1,828
$21,930
$548
4,338
20%
$6.52
$339
2.6
Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See
Appendix A).
1: BR = Bedroom
101
Massachusetts
In Massachusetts, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,252. In order to afford this level of
Wage of:
$24.08
In Massachusetts, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 120 hours per week, 52 weeks per year. Or a household
FMR affordable.
In Massachusetts, the estimated mean (average) wage for a renter is $17.47. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 55 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$343
$1,252
Two-Bedroom FMR
$2,128

$909

$638
$614
Minimum Wage Earner
$836
$416
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
SSI Recipient
$1,000
$1,500
$2,000
$1,036
$2,500
102
Massachusetts
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Massachusetts
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$24.08
$1,252
$50,090
3.0
$85,107
$2,128
$25,532
$638
929,735
37%
$17.47
$909
1.4
$29.73
$1,546
$61,835
3.7
$88,757
$2,219
$26,627
$666
2,376
24%
$13.93
$725
2.1
Barnstable Town MSA
$22.62
$1,176
$47,040
2.8
$74,900
$1,873
$22,470
$562
19,213
20%
$10.67
$555
2.1
Berkshire County HMFA
$15.46
$804
$32,160
1.9
$71,800
$1,795
$21,540
$539
5,506
28%
$9.94
$517
1.6
Boston-Cambridge-Quincy HMFA
$27.96
$1,454
$58,160
3.5
$94,100
$2,353
$28,230
$706
525,438
41%
$20.99
$1,092
1.3
Brockton HMFA
$22.15
$1,152
$46,080
2.8
$80,700
$2,018
$24,210
$605
23,626
27%
$10.42
$542
2.1
Eastern Worcester County HMFA
$21.29
$1,107
$44,280
2.7
$96,300
$2,408
$28,890
$722
7,117
22%
$11.83
$615
1.8
Easton-Raynham HMFA
$24.58
$1,278
$51,120
3.1
$107,800
$2,695
$32,340
$809
2,408
20%
$11.20
$582
2.2
Fitchburg-Leominster HMFA
$17.04
$886
$35,440
2.1
$67,900
$1,698
$20,370
$509
19,135
35%
$11.83
$615
1.4
$18.31
$952
$38,080
2.3
$65,000
$1,625
$19,500
$488
8,805
30%
$10.81
$562
1.7
Lawrence HMFA
$20.92
$1,088
$43,520
2.6
$82,800
$2,070
$24,840
$621
38,060
37%
$12.23
$636
1.7
Lowell HMFA
$22.25
$1,157
$46,280
2.8
$90,700
$2,268
$27,210
$680
31,298
29%
$21.53
$1,120
1.0
New Bedford HMFA
$15.75
$819
$32,760
2.0
$59,600
$1,490
$17,880
$447
27,087
42%
$11.20
$582
1.4
Pittsfield HMFA
$15.46
$804
$32,160
1.9
$64,200
$1,605
$19,260
$482
11,962
33%
$9.94
$517
1.6
Providence-Fall River HMFA
$17.56
$913
$36,520
2.2
$72,200
$1,805
$21,660
$542
35,259
38%
$11.20
$582
1.6
Springfield HMFA
$18.29
$951
$38,040
2.3
$65,700
$1,643
$19,710
$493
86,604
36%
$9.75
$507
1.9
Taunton-Mansfield-Norton HMFA
$20.33
$1,057
$42,280
2.5
$82,900
$2,073
$24,870
$622
11,468
28%
$11.20
$582
1.8
Western Worcester County HMFA
$14.62
$760
$30,400
1.8
$75,300
$1,883
$22,590
$565
2,465
22%
$11.83
$615
1.2
Worcester HMFA
$18.21
$947
$37,880
2.3
$79,600
$1,990
$23,880
$597
71,908
36%
$11.83
$615
1.5
Dukes County
$25.08
$1,304
$52,160
3.1
$86,000
$2,150
$25,800
$645
1,215
21%
$11.97
$623
2.1
Nantucket County
$34.60
$1,799
$71,960
4.3
$92,800
$2,320
$27,840
$696
1,161
29%
$16.36
$851
2.1
Metropolitan Areas
Counties
1: BR = Bedroom
103
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-theSea 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
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
104
Lawrence, MA-NH HMFA

Essex County
Andover town, Boxford town, Georgetown town, Groveland town, Haverhill
city, Lawrence city, Merrimac town, Methuen city, North Andover town, West
Newbury town
Lowell, MA HMFA
Middlesex County
Billerica town, Chelmsford town, Dracut town, Dunstable town, Groton town,
Lowell city, Pepperell town, Tewksbury town, Tyngsborough town, Westford
town
New Bedford, MA HMFA
Bristol County
Acushnet town, Dartmouth town, Fairhaven town, Freetown town, New Bedford
city
Pittsfield, MA HMFA
Berkshire County
Adams town, Cheshire town, Dalton town, Hinsdale town, Lanesborough town,
Lee town, Lenox town, Pittsfield city, Richmond town, Stockbridge town
Taunton-Mansfield-Norton, MA HMFA
Bristol County
Berkley town, Dighton town, Mansfield town, Norton town, Taunton city
Western Worcester County, MA HMFA
Worcester County
Athol town, Hardwick town, Hubbardston town, New Braintree town, Petersham
town, Phillipston town, Royalston town, Warren town
Worcester, MA HMFA
Worcester County
Auburn town, Barre town, Boylston town, Brookfield town, Charlton town,
Clinton town, Douglas town, Dudley town, East Brookfield town, Grafton town,
Holden town, Leicester town, Millbury town, North Brookfield town,
Northborough town, Northbridge town, Oakham town, Oxford town, Paxton
town, Princeton town, Rutland town, Shrewsbury town, Southbridge town,
Spencer town, Sterling town, Sturbridge town, Sutton town, Uxbridge town,
Webster town, West Boylston town, West Brookfield town, Westborough town,
Worcester city
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
105
Michigan
In Michigan, the Fair Market Rent (FMR) for a two-bedroom apartment is $784. In order to afford this level of rent
Wage of:
$15.08
In Michigan, a minimum wage worker earns an hourly wage of $7.40. In order to afford the FMR for a two-bedroom
In Michigan, the estimated mean (average) wage for a renter is $11.88. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$166
$784
Two-Bedroom FMR
$1,543

$618
$463
$321
Minimum Wage Earner
$399
SSI Recipient
$568
$385
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
106
Michigan
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Michigan
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$15.08
$784
$31,368
2.0
$61,708
$1,543
$18,512
$463
1,038,718
27%
$11.88
$618
1.3
$13.00
$676
$27,045
1.8
$53,901
$1,348
$16,170
$404
155,717
21%
$9.03
$469
1.4
Metropolitan Areas
Ann Arbor MSA
$18.31
$952
$38,080
2.5
$87,400
$2,185
$26,220
$656
51,945
39%
$12.80
$665
1.4
Barry County HMFA
$13.08
$680
$27,200
1.8
$64,100
$1,603
$19,230
$481
3,204
14%
$9.22
$479
1.4
Battle Creek MSA
$13.25
$689
$27,560
1.8
$52,600
$1,315
$15,780
$395
15,725
30%
$12.58
$654
1.1
Bay City MSA
$12.65
$658
$26,320
1.7
$58,000
$1,450
$17,400
$435
9,431
21%
$8.40
$437
1.5
Cass County HMFA
$12.25
$637
$25,480
1.7
$58,100
$1,453
$17,430
$436
3,284
17%
$9.45
$492
1.3
Detroit-Warren-Livonia HMFA
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
462,604
29%
$13.91
$724
1.2
Flint MSA
$13.65
$710
$28,400
1.8
$53,300
$1,333
$15,990
$400
49,386
30%
$9.85
$512
1.4
Grand Rapids-Wyoming HMFA
$14.23
$740
$29,600
1.9
$62,800
$1,570
$18,840
$471
67,918
30%
$11.28
$587
1.3
Holland-Grand Haven MSA
$15.13
$787
$31,480
2.0
$68,600
$1,715
$20,580
$515
19,890
21%
$10.29
$535
1.5
Ionia County HMFA
$13.00
$676
$27,040
1.8
$56,500
$1,413
$16,950
$424
4,902
22%
$6.16
$320
2.1
Jackson MSA
$14.85
$772
$30,880
2.0
$56,400
$1,410
$16,920
$423
15,401
26%
$10.21
$531
1.5
Kalamazoo-Portage MSA
$13.81
$718
$28,720
1.9
$58,000
$1,450
$17,400
$435
40,785
32%
$10.21
$531
1.4
Lansing-East Lansing MSA
$14.65
$762
$30,480
2.0
$64,200
$1,605
$19,260
$482
59,991
33%
$10.30
$536
1.4
Livingston County HMFA
$17.08
$888
$35,520
2.3
$79,300
$1,983
$23,790
$595
9,532
14%
$9.89
$514
1.7
Monroe MSA
$16.21
$843
$33,720
2.2
$63,800
$1,595
$19,140
$479
12,064
21%
$10.64
$553
1.5
Muskegon-Norton Shores MSA
$12.27
$638
$25,520
1.7
$49,400
$1,235
$14,820
$371
16,486
25%
$8.80
$458
1.4
Newaygo County HMFA
$12.25
$637
$25,480
1.7
$52,500
$1,313
$15,750
$394
2,972
16%
$9.02
$469
1.4
Niles-Benton Harbor MSA
$13.35
$694
$27,760
1.8
$54,900
$1,373
$16,470
$412
16,749
27%
$9.68
$503
1.4
Saginaw-Saginaw Township North MSA
$13.63
$709
$28,360
1.8
$53,600
$1,340
$16,080
$402
20,732
27%
$9.11
$474
1.5
Alcona County
$12.25
$637
$25,480
1.7
$45,400
$1,135
$13,620
$341
450
9%
$7.42
$386
Alger County
$12.25
$637
$25,480
1.7
$48,000
$1,200
$14,400
$360
585
16%
$8.32
$433
1.5
Allegan County
$13.35
$694
$27,760
1.8
$59,200
$1,480
$17,760
$444
7,434
18%
$11.84
$616
1.1
Alpena County
$12.25
$637
$25,480
1.7
$51,000
$1,275
$15,300
$383
2,760
21%
$7.14
$371
1.7
Antrim County
$12.46
$648
$25,920
1.7
$52,500
$1,313
$15,750
$394
1,447
15%
$6.35
$330
2.0
Arenac County
$12.25
$637
$25,480
1.7
$45,900
$1,148
$13,770
$344
1,061
16%
$6.22
$324
2.0
Counties
1.6
1: BR = Bedroom
107
Michigan
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Baraga County
$12.25
$637
$25,480
1.7
$53,000
$1,325
$15,900
$398
684
22%
$8.67
$451
1.4
Barry County
$13.08
$680
$27,200
1.8
$64,100
$1,603
$19,230
$481
3,204
14%
$9.22
$479
1.4
Bay County
$12.65
$658
$26,320
1.7
$58,000
$1,450
$17,400
$435
9,431
21%
$8.40
$437
1.5
Benzie County
$13.15
$684
$27,360
1.8
$57,000
$1,425
$17,100
$428
1,156
15%
$8.34
$434
1.6
Berrien County
$13.35
$694
$27,760
1.8
$54,900
$1,373
$16,470
$412
16,749
27%
$9.68
$503
1.4
Branch County
$12.73
$662
$26,480
1.7
$53,100
$1,328
$15,930
$398
3,406
21%
$9.41
$489
1.4
Calhoun County
$13.25
$689
$27,560
1.8
$52,600
$1,315
$15,780
$395
15,725
30%
$12.58
$654
1.1
Cass County
$12.25
$637
$25,480
1.7
$58,100
$1,453
$17,430
$436
3,284
17%
$9.45
$492
1.3
Charlevoix County
$13.21
$687
$27,480
1.8
$59,900
$1,498
$17,970
$449
1,777
17%
$8.93
$465
1.5
Cheboygan County
$12.25
$637
$25,480
1.7
$47,700
$1,193
$14,310
$358
2,034
18%
$6.89
$358
1.8
Chippewa County
$12.38
$644
$25,760
1.7
$56,500
$1,413
$16,950
$424
4,247
29%
$7.28
$379
1.7
Clare County
$12.25
$637
$25,480
1.7
$44,100
$1,103
$13,230
$331
2,617
20%
$8.86
$461
1.4
Clinton County
$14.65
$762
$30,480
2.0
$64,200
$1,605
$19,260
$482
5,361
19%
$8.23
$428
1.8
Crawford County
$13.23
$688
$27,520
1.8
$49,400
$1,235
$14,820
$371
1,109
19%
$7.97
$415
1.7
Delta County
$12.25
$637
$25,480
1.7
$54,800
$1,370
$16,440
$411
3,469
22%
$6.91
$359
1.8
Dickinson County
$12.25
$637
$25,480
1.7
$56,000
$1,400
$16,800
$420
2,113
19%
$8.29
$431
1.5
Eaton County
$14.65
$762
$30,480
2.0
$64,200
$1,605
$19,260
$482
11,391
26%
$10.66
$555
1.4
Emmet County
$14.79
$769
$30,760
2.0
$65,500
$1,638
$19,650
$491
3,138
23%
$9.38
$488
1.6
Genesee County
$13.65
$710
$28,400
1.8
$53,300
$1,333
$15,990
$400
49,386
30%
$9.85
$512
1.4
Gladwin County
$12.25
$637
$25,480
1.7
$46,500
$1,163
$13,950
$349
1,679
15%
$6.63
$345
1.8
Gogebic County
$12.25
$637
$25,480
1.7
$49,100
$1,228
$14,730
$368
1,724
24%
$7.63
$397
1.6
Grand Traverse County
$15.67
$815
$32,600
2.1
$59,600
$1,490
$17,880
$447
8,014
23%
$10.75
$559
1.5
Gratiot County
$12.25
$637
$25,480
1.7
$53,000
$1,325
$15,900
$398
3,364
23%
$8.67
$451
1.4
Hillsdale County
$12.71
$661
$26,440
1.7
$53,200
$1,330
$15,960
$399
3,384
19%
$9.99
$520
1.3
Houghton County
$12.44
$647
$25,880
1.7
$50,500
$1,263
$15,150
$379
4,173
30%
$6.74
$351
1.8
Huron County
$12.25
$637
$25,480
1.7
$52,300
$1,308
$15,690
$392
2,501
18%
$8.79
$457
1.4
Ingham County
$14.65
$762
$30,480
2.0
$64,200
$1,605
$19,260
$482
43,239
40%
$10.45
$544
1.4
Ionia County
$13.00
$676
$27,040
1.8
$56,500
$1,413
$16,950
$424
4,902
22%
$6.16
$320
2.1
Iosco County
$12.25
$637
$25,480
1.7
$46,800
$1,170
$14,040
$351
1,706
16%
$7.19
$374
1.7
Iron County
$12.25
$637
$25,480
1.7
$48,200
$1,205
$14,460
$362
807
15%
$7.42
$386
1.7
Isabella County
$13.35
$694
$27,760
1.8
$50,800
$1,270
$15,240
$381
10,167
41%
$7.06
$367
1.9
1: BR = Bedroom
108
Michigan
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Jackson County
$14.85
$772
$30,880
2.0
$56,400
$1,410
$16,920
$423
15,401
26%
$10.21
$531
1.5
Kalamazoo County
$13.81
$718
$28,720
1.9
$58,000
$1,450
$17,400
$435
34,719
35%
$10.52
$547
1.3
Kalkaska County
$13.79
$717
$28,680
1.9
$48,900
$1,223
$14,670
$367
1,311
18%
$13.75
$715
1.0
Kent County
$14.23
$740
$29,600
1.9
$62,800
$1,570
$18,840
$471
67,918
30%
$11.28
$587
1.3
Keweenaw County
$12.37
$643
$25,720
1.7
$50,500
$1,263
$15,150
$379
129
13%
$3.09
$161
4.0
Lake County
$12.25
$637
$25,480
1.7
$40,600
$1,015
$12,180
$305
740
18%
$6.76
$351
1.8
Lapeer County
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
5,182
16%
$6.68
$348
2.4
Leelanau County
$15.40
$801
$32,040
2.1
$67,500
$1,688
$20,250
$506
1,373
15%
$7.12
$370
2.2
Lenawee County
$13.44
$699
$27,960
1.8
$57,400
$1,435
$17,220
$431
8,213
22%
$9.47
$493
1.4
Livingston County
$17.08
$888
$35,520
2.3
$79,300
$1,983
$23,790
$595
9,532
14%
$9.89
$514
1.7
Luce County
$12.25
$637
$25,480
1.7
$52,000
$1,300
$15,600
$390
517
22%
$5.92
$308
2.1
Mackinac County
$12.56
$653
$26,120
1.7
$53,000
$1,325
$15,900
$398
1,133
23%
$8.53
$443
1.5
Macomb County
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
77,440
23%
$13.30
$692
1.2
Manistee County
$12.31
$640
$25,600
1.7
$52,200
$1,305
$15,660
$392
2,197
21%
$8.80
$458
1.4
Marquette County
$13.37
$695
$27,800
1.8
$58,600
$1,465
$17,580
$440
7,608
29%
$7.96
$414
1.7
Mason County
$12.88
$670
$26,800
1.7
$52,100
$1,303
$15,630
$391
3,171
26%
$9.17
$477
1.4
Mecosta County
$12.25
$637
$25,480
1.7
$52,200
$1,305
$15,660
$392
4,298
27%
$8.11
$422
1.5
Menominee County
$12.25
$637
$25,480
1.7
$52,000
$1,300
$15,600
$390
2,159
20%
$6.33
$329
1.9
Midland County
$14.31
$744
$29,760
1.9
$66,100
$1,653
$19,830
$496
7,923
24%
$12.95
$673
1.1
Missaukee County
$12.25
$637
$25,480
1.7
$48,300
$1,208
$14,490
$362
1,098
19%
$8.10
$421
1.5
Monroe County
$16.21
$843
$33,720
2.2
$63,800
$1,595
$19,140
$479
12,064
21%
$10.64
$553
1.5
Montcalm County
$12.52
$651
$26,040
1.7
$48,400
$1,210
$14,520
$363
4,587
20%
$8.60
$447
1.5
Montmorency County
$12.81
$666
$26,640
1.7
$44,000
$1,100
$13,200
$330
633
15%
$5.43
$282
2.4
Muskegon County
$12.27
$638
$25,520
1.7
$49,400
$1,235
$14,820
$371
16,486
25%
$8.80
$458
1.4
Newaygo County
$12.25
$637
$25,480
1.7
$52,500
$1,313
$15,750
$394
2,972
16%
$9.02
$469
1.4
Oakland County
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
133,139
28%
$14.84
$772
1.1
Oceana County
$12.44
$647
$25,880
1.7
$50,100
$1,253
$15,030
$376
1,621
17%
$7.85
$408
1.6
Ogemaw County
$12.27
$638
$25,520
1.7
$44,300
$1,108
$13,290
$332
1,432
17%
$6.01
$313
2.0
Ontonagon County
$12.25
$637
$25,480
1.7
$48,700
$1,218
$14,610
$365
472
14%
$6.19
$322
2.0
Osceola County
$12.25
$637
$25,480
1.7
$48,400
$1,210
$14,520
$363
1,897
21%
$10.55
$548
1.2
Oscoda County
$13.17
$685
$27,400
1.8
$41,000
$1,025
$12,300
$308
580
15%
$6.48
$337
2.0
1: BR = Bedroom
109
Michigan
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Otsego County
$12.75
$663
$26,520
1.7
$56,400
$1,410
$16,920
$423
1,855
19%
$8.15
$424
1.6
Ottawa County
$15.13
$787
$31,480
2.0
$68,600
$1,715
$20,580
$515
19,890
21%
$10.29
$535
1.5
Presque Isle County
$12.25
$637
$25,480
1.7
$47,700
$1,193
$14,310
$358
680
11%
$8.54
$444
1.4
Roscommon County
$12.25
$637
$25,480
1.7
$42,100
$1,053
$12,630
$316
1,921
17%
$5.99
$311
2.0
Saginaw County
$13.63
$709
$28,360
1.8
$53,600
$1,340
$16,080
$402
20,732
27%
$9.11
$474
1.5
Sanilac County
$12.25
$637
$25,480
1.7
$51,300
$1,283
$15,390
$385
3,004
18%
$9.24
$481
1.3
Schoolcraft County
$12.25
$637
$25,480
1.7
$51,600
$1,290
$15,480
$387
526
14%
$7.29
$379
1.7
Shiawassee County
$12.98
$675
$27,000
1.8
$58,000
$1,450
$17,400
$435
5,969
22%
$7.60
$395
1.7
St. Clair County
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
14,323
22%
$9.60
$499
1.7
St. Joseph County
$12.63
$657
$26,280
1.7
$55,000
$1,375
$16,500
$413
4,992
22%
$9.59
$498
1.3
Tuscola County
$12.25
$637
$25,480
1.7
$53,700
$1,343
$16,110
$403
3,849
18%
$9.63
$501
1.3
Van Buren County
$13.81
$718
$28,720
1.9
$58,000
$1,450
$17,400
$435
6,066
21%
$8.28
$431
1.7
Washtenaw County
$18.31
$952
$38,080
2.5
$87,400
$2,185
$26,220
$656
51,945
39%
$12.80
$665
1.4
Wayne County
$16.21
$843
$33,720
2.2
$64,600
$1,615
$19,380
$485
232,520
34%
$13.71
$713
1.2
Wexford County
$12.48
$649
$25,960
1.7
$51,500
$1,288
$15,450
$386
2,823
23%
$8.58
$446
1.5
1: BR = Bedroom
110
Minnesota
In Minnesota, the Fair Market Rent (FMR) for a two-bedroom apartment is $856. In order to afford this level of rent
Wage of:
$16.46
In Minnesota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Minnesota, the estimated mean (average) wage for a renter is $12.55. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
$856
Two-Bedroom FMR
$1,893

$653
$568
$288
Minimum Wage Earner
$479
SSI Recipient
$640
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$203
$216
$0
$500
$1,000
$1,500
$2,000
111
Minnesota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Minnesota
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$16.46
$856
$34,226
2.3
$75,703
$1,893
$22,711
$568
567,156
27%
$12.55
$653
1.3
$13.05
$679
$27,152
1.8
$62,189
$1,555
$18,657
$466
123,537
23%
$8.43
$438
1.5
Duluth MSA
$13.31
$692
$27,680
1.8
$64,300
$1,608
$19,290
$482
27,595
28%
$8.77
$456
1.5
Fargo MSA
$13.15
$684
$27,360
1.8
$72,100
$1,803
$21,630
$541
6,740
30%
$7.06
$367
1.9
Grand Forks MSA
$13.94
$725
$29,000
1.9
$69,800
$1,745
$20,940
$524
3,520
28%
$7.66
$398
1.8
La Crosse MSA
$13.44
$699
$27,960
1.9
$66,300
$1,658
$19,890
$497
1,488
19%
$6.25
$325
2.2
Mankato-North Mankato MSA
$13.54
$704
$28,160
1.9
$67,000
$1,675
$20,100
$503
11,187
31%
$8.85
$460
1.5
Minneapolis-St. Paul-Bloomington MSA
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
356,473
29%
$14.41
$749
1.3
Rochester HMFA
$16.60
$863
$34,520
2.3
$86,300
$2,158
$25,890
$647
15,097
24%
$12.37
$643
1.3
St. Cloud MSA
$14.46
$752
$30,080
2.0
$69,600
$1,740
$20,880
$522
20,020
28%
$9.36
$487
1.5
Wabasha County HMFA
$12.25
$637
$25,480
1.7
$69,000
$1,725
$20,700
$518
1,499
17%
$6.44
$335
1.9
Aitkin County
$13.58
$706
$28,240
1.9
$51,300
$1,283
$15,390
$385
1,350
17%
$8.37
$435
1.6
Anoka County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
22,041
18%
$11.55
$601
1.6
Becker County
$12.25
$637
$25,480
1.7
$59,900
$1,498
$17,970
$449
2,727
20%
$7.43
$386
1.6
Beltrami County
$12.96
$674
$26,960
1.8
$58,700
$1,468
$17,610
$440
4,876
29%
$8.66
$450
1.5
Benton County
$14.46
$752
$30,080
2.0
$69,600
$1,740
$20,880
$522
4,466
29%
$8.01
$416
1.8
Big Stone County
$12.25
$637
$25,480
1.7
$56,300
$1,408
$16,890
$422
470
20%
$6.65
$346
1.8
Blue Earth County
$13.54
$704
$28,160
1.9
$67,000
$1,675
$20,100
$503
8,114
33%
$8.51
$443
1.6
Brown County
$12.25
$637
$25,480
1.7
$64,700
$1,618
$19,410
$485
2,322
21%
$8.86
$461
1.4
Carlton County
$13.31
$692
$27,680
1.8
$64,300
$1,608
$19,290
$482
2,958
22%
$6.91
$359
1.9
Carver County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
6,093
18%
$9.43
$491
1.9
Cass County
$13.75
$715
$28,600
1.9
$53,200
$1,330
$15,960
$399
2,379
18%
$6.07
$316
2.3
Chippewa County
$12.42
$646
$25,840
1.7
$61,800
$1,545
$18,540
$464
1,426
27%
$10.03
$521
1.2
Chisago County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
2,921
15%
$7.42
$386
2.5
Clay County
$13.15
$684
$27,360
1.8
$72,100
$1,803
$21,630
$541
6,740
30%
$7.06
$367
1.9
Clearwater County
$12.25
$637
$25,480
1.7
$50,400
$1,260
$15,120
$378
815
22%
$8.24
$428
1.5
Cook County
$15.23
$792
$31,680
2.1
$60,100
$1,503
$18,030
$451
741
28%
$5.78
$301
2.6
Metropolitan Areas
Counties
1: BR = Bedroom
112
Minnesota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Cottonwood County
$12.25
$637
$25,480
1.7
$54,800
$1,370
$16,440
$411
929
19%
$8.29
$431
Crow Wing County
$13.87
$721
$28,840
1.9
$59,400
$1,485
$17,820
$446
6,729
25%
$8.69
$452
1.5
1.6
Dakota County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
35,398
23%
$12.22
$635
1.5
Dodge County
$16.60
$863
$34,520
2.3
$86,300
$2,158
$25,890
$647
1,014
14%
$7.83
$407
2.1
Douglas County
$12.25
$637
$25,480
1.7
$65,200
$1,630
$19,560
$489
3,948
25%
$8.37
$435
1.5
Faribault County
$12.25
$637
$25,480
1.7
$57,500
$1,438
$17,250
$431
1,283
20%
$10.56
$549
1.2
Fillmore County
$12.25
$637
$25,480
1.7
$64,800
$1,620
$19,440
$486
1,792
21%
$7.36
$383
1.7
Freeborn County
$12.25
$637
$25,480
1.7
$60,000
$1,500
$18,000
$450
3,076
23%
$9.55
$497
1.3
Goodhue County
$14.33
$745
$29,800
2.0
$72,600
$1,815
$21,780
$545
4,246
23%
$8.76
$455
1.6
Grant County
$12.25
$637
$25,480
1.7
$56,700
$1,418
$17,010
$425
567
22%
$9.46
$492
1.3
Hennepin County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
171,033
36%
$16.40
$853
1.1
Houston County
$13.44
$699
$27,960
1.9
$66,300
$1,658
$19,890
$497
1,488
19%
$6.25
$325
2.2
Hubbard County
$12.25
$637
$25,480
1.7
$57,500
$1,438
$17,250
$431
1,537
18%
$7.34
$382
1.7
Isanti County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
2,461
18%
$9.20
$478
2.0
Itasca County
$14.37
$747
$29,880
2.0
$60,700
$1,518
$18,210
$455
3,703
20%
$8.15
$424
1.8
Jackson County
$12.25
$637
$25,480
1.7
$61,400
$1,535
$18,420
$461
994
22%
$10.64
$553
1.2
Kanabec County
$14.81
$770
$30,800
2.0
$54,700
$1,368
$16,410
$410
1,174
18%
$8.77
$456
1.7
Kandiyohi County
$12.58
$654
$26,160
1.7
$63,700
$1,593
$19,110
$478
4,580
26%
$7.05
$367
1.8
Kittson County
$12.25
$637
$25,480
1.7
$67,700
$1,693
$20,310
$508
331
17%
$7.65
$398
1.6
Koochiching County
$12.25
$637
$25,480
1.7
$59,100
$1,478
$17,730
$443
1,487
24%
$8.97
$467
1.4
Lac qui Parle County
$12.25
$637
$25,480
1.7
$59,800
$1,495
$17,940
$449
481
16%
$9.47
$493
1.3
Lake County
$12.42
$646
$25,840
1.7
$61,500
$1,538
$18,450
$461
954
19%
$9.82
$511
1.3
Lake of the Woods County
$12.25
$637
$25,480
1.7
$50,300
$1,258
$15,090
$377
181
10%
$5.67
$295
2.2
Le Sueur County
$13.69
$712
$28,480
1.9
$71,800
$1,795
$21,540
$539
1,916
17%
$8.95
$465
1.5
Lincoln County
$12.25
$637
$25,480
1.7
$63,500
$1,588
$19,050
$476
424
17%
$7.25
$377
1.7
Lyon County
$12.25
$637
$25,480
1.7
$69,500
$1,738
$20,850
$521
3,324
33%
$8.61
$447
1.4
Mahnomen County
$12.25
$637
$25,480
1.7
$47,000
$1,175
$14,100
$353
527
26%
$6.65
$346
1.8
Marshall County
$12.25
$637
$25,480
1.7
$65,300
$1,633
$19,590
$490
727
18%
$10.99
$571
1.1
Martin County
$12.79
$665
$26,600
1.8
$61,200
$1,530
$18,360
$459
2,171
24%
$8.31
$432
1.5
McLeod County
$12.90
$671
$26,840
1.8
$73,100
$1,828
$21,930
$548
3,491
23%
$9.48
$493
1.4
Meeker County
$14.44
$751
$30,040
2.0
$63,400
$1,585
$19,020
$476
1,776
19%
$8.55
$445
1.7
1: BR = Bedroom
113
Minnesota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Mille Lacs County
$13.96
$726
$29,040
1.9
$58,100
$1,453
$17,430
$436
2,513
24%
$6.45
$335
2.2
Morrison County
$12.27
$638
$25,520
1.7
$59,400
$1,485
$17,820
$446
2,723
20%
$6.94
$361
1.8
Mower County
$13.42
$698
$27,920
1.9
$61,900
$1,548
$18,570
$464
4,288
27%
$8.73
$454
1.5
Murray County
$12.25
$637
$25,480
1.7
$60,100
$1,503
$18,030
$451
659
17%
$8.98
$467
1.4
Nicollet County
$13.54
$704
$28,160
1.9
$67,000
$1,675
$20,100
$503
3,073
25%
$9.91
$516
1.4
Nobles County
$12.25
$637
$25,480
1.7
$56,600
$1,415
$16,980
$425
2,130
27%
$9.32
$484
1.3
Norman County
$12.25
$637
$25,480
1.7
$58,400
$1,460
$17,520
$438
541
19%
$9.80
$510
1.3
Olmsted County
$16.60
$863
$34,520
2.3
$86,300
$2,158
$25,890
$647
14,083
25%
$12.59
$655
1.3
Otter Tail County
$12.25
$637
$25,480
1.7
$59,700
$1,493
$17,910
$448
5,116
21%
$7.36
$383
1.7
Pennington County
$12.25
$637
$25,480
1.7
$60,900
$1,523
$18,270
$457
1,436
25%
$8.99
$467
1.4
Pine County
$13.88
$722
$28,880
1.9
$54,800
$1,370
$16,440
$411
2,335
20%
$6.96
$362
2.0
Pipestone County
$12.25
$637
$25,480
1.7
$58,100
$1,453
$17,430
$436
1,036
27%
$7.96
$414
1.5
Polk County
$13.94
$725
$29,000
1.9
$69,800
$1,745
$20,940
$524
3,520
28%
$7.66
$398
1.8
Pope County
$13.42
$698
$27,920
1.9
$64,000
$1,600
$19,200
$480
964
20%
$9.57
$497
1.4
Ramsey County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
81,514
40%
$14.88
$774
1.2
Red Lake County
$12.25
$637
$25,480
1.7
$58,600
$1,465
$17,580
$440
298
18%
$6.53
$340
1.9
Redwood County
$12.25
$637
$25,480
1.7
$59,600
$1,490
$17,880
$447
1,515
23%
$8.43
$438
1.5
Renville County
$12.25
$637
$25,480
1.7
$59,800
$1,495
$17,940
$449
1,348
21%
$9.30
$484
1.3
Rice County
$16.33
$849
$33,960
2.3
$73,800
$1,845
$22,140
$554
5,349
24%
$9.10
$473
1.8
Rock County
$12.25
$637
$25,480
1.7
$59,900
$1,498
$17,970
$449
960
24%
$8.48
$441
1.4
Roseau County
$12.25
$637
$25,480
1.7
$59,800
$1,495
$17,940
$449
1,427
22%
$11.38
$592
1.1
Scott County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
6,606
15%
$10.35
$538
1.8
Sherburne County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
5,393
18%
$8.49
$441
2.1
Sibley County
$12.25
$637
$25,480
1.7
$64,700
$1,618
$19,410
$485
1,239
20%
$9.46
$492
1.3
St. Louis County
$13.31
$692
$27,680
1.8
$64,300
$1,608
$19,290
$482
24,637
29%
$8.96
$466
1.5
Stearns County
$14.46
$752
$30,080
2.0
$69,600
$1,740
$20,880
$522
15,554
28%
$9.64
$501
1.5
Steele County
$14.21
$739
$29,560
2.0
$73,800
$1,845
$22,140
$554
3,226
23%
$8.93
$464
1.6
Stevens County
$12.25
$637
$25,480
1.7
$69,400
$1,735
$20,820
$521
1,015
27%
$8.30
$432
1.5
Swift County
$12.25
$637
$25,480
1.7
$61,700
$1,543
$18,510
$463
1,115
26%
$10.48
$545
1.2
Todd County
$13.75
$715
$28,600
1.9
$54,500
$1,363
$16,350
$409
1,754
17%
$6.82
$355
2.0
Traverse County
$12.25
$637
$25,480
1.7
$61,900
$1,548
$18,570
$464
296
19%
$7.36
$383
1.7
1: BR = Bedroom
114
Minnesota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Wabasha County
$12.25
$637
$25,480
1.7
$69,000
$1,725
$20,700
$518
1,499
17%
$6.44
$335
1.9
Wadena County
$12.25
$637
$25,480
1.7
$51,000
$1,275
$15,300
$383
1,461
25%
$7.64
$397
1.6
Waseca County
$12.40
$645
$25,800
1.7
$65,300
$1,633
$19,590
$490
1,495
20%
$9.55
$497
1.3
Washington County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
15,998
18%
$9.70
$504
1.9
Watonwan County
$12.25
$637
$25,480
1.7
$62,100
$1,553
$18,630
$466
1,067
24%
$8.15
$424
1.5
Wilkin County
$12.25
$637
$25,480
1.7
$63,100
$1,578
$18,930
$473
466
17%
$8.33
$433
1.5
Winona County
$12.33
$641
$25,640
1.7
$66,400
$1,660
$19,920
$498
5,474
28%
$6.92
$360
1.8
Wright County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
7,015
16%
$7.68
$399
2.4
Yellow Medicine County
$12.25
$637
$25,480
1.7
$61,200
$1,530
$18,360
$459
837
20%
$7.73
$402
1.6
1: BR = Bedroom
115
Mississippi
In Mississippi, the Fair Market Rent (FMR) for a two-bedroom apartment is $707. In order to afford this level of rent
Wage of:
$13.59
In Mississippi, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Mississippi, the estimated mean (average) wage for a renter is $10.16. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 53 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$178
$707
Two-Bedroom FMR
$1,224

$529

$367
$340
Minimum Wage Earner
$377
Minimum Wage Earner
$330
SSI Recipient
$491

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
116
Mississippi
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Mississippi
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.59
$707
$28,271
1.9
$48,972
$1,224
$14,692
$367
327,278
30%
$10.16
$529
1.3
$12.47
$648
$25,936
1.7
$44,304
$1,108
$13,291
$332
175,336
29%
$9.34
$486
1.3
Metropolitan Areas
Gulfport-Biloxi MSA
$15.92
$828
$33,120
2.2
$51,100
$1,278
$15,330
$383
31,360
33%
$10.75
$559
1.5
Hattiesburg MSA
$13.81
$718
$28,720
1.9
$51,200
$1,280
$15,360
$384
19,689
36%
$9.07
$472
1.5
Jackson HMFA
$14.83
$771
$30,840
2.0
$58,600
$1,465
$17,580
$440
61,622
33%
$11.47
$596
1.3
Marshall County HMFA
$11.81
$614
$24,560
1.6
$40,200
$1,005
$12,060
$302
2,722
21%
$8.08
$420
1.5
Memphis HMFA
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
13,585
24%
$10.20
$530
1.5
Pascagoula MSA
$15.73
$818
$32,720
2.2
$56,000
$1,400
$16,800
$420
15,676
27%
$13.42
$698
1.2
Simpson County HMFA
$11.81
$614
$24,560
1.6
$45,800
$1,145
$13,740
$344
2,322
23%
$8.55
$445
1.4
Tate County HMFA
$13.65
$710
$28,400
1.9
$51,400
$1,285
$15,420
$386
2,766
28%
$8.71
$453
1.6
Tunica County HMFA
$13.35
$694
$27,760
1.8
$35,000
$875
$10,500
$263
2,200
54%
$10.11
$525
1.3
Adams County
$11.81
$614
$24,560
1.6
$36,500
$913
$10,950
$274
3,902
32%
$9.25
$481
1.3
Alcorn County
$11.81
$614
$24,560
1.6
$45,400
$1,135
$13,620
$341
4,247
30%
$9.15
$476
1.3
Amite County
$11.81
$614
$24,560
1.6
$36,700
$918
$11,010
$275
860
17%
$6.93
$360
1.7
Attala County
$11.81
$614
$24,560
1.6
$38,100
$953
$11,430
$286
1,842
25%
$7.39
$384
1.6
Benton County
$11.81
$614
$24,560
1.6
$42,600
$1,065
$12,780
$320
602
19%
$8.87
$461
1.3
Bolivar County
$11.96
$622
$24,880
1.6
$35,800
$895
$10,740
$269
5,672
46%
$11.35
$590
1.1
Calhoun County
$11.81
$614
$24,560
1.6
$39,000
$975
$11,700
$293
1,794
30%
$8.15
$424
1.4
Carroll County
$17.08
$888
$35,520
2.4
$40,700
$1,018
$12,210
$305
626
16%
$7.30
$379
2.3
Chickasaw County
$11.81
$614
$24,560
1.6
$40,700
$1,018
$12,210
$305
1,880
28%
$6.76
$352
1.7
Counties
Choctaw County
$11.81
$614
$24,560
1.6
$40,400
$1,010
$12,120
$303
867
26%
$13.82
$718
0.9
Claiborne County
$11.81
$614
$24,560
1.6
$33,200
$830
$9,960
$249
734
23%
$23.34
$1,214
0.5
Clarke County
$11.81
$614
$24,560
1.6
$42,700
$1,068
$12,810
$320
1,146
18%
$9.86
$512
1.2
Clay County
$12.65
$658
$26,320
1.7
$41,700
$1,043
$12,510
$313
2,306
29%
$9.80
$510
1.3
Coahoma County
$12.31
$640
$25,600
1.7
$31,900
$798
$9,570
$239
4,265
46%
$10.39
$541
1.2
Copiah County
$14.83
$771
$30,840
2.0
$58,600
$1,465
$17,580
$440
2,492
25%
$8.71
$453
1.7
Covington County
$11.81
$614
$24,560
1.6
$43,800
$1,095
$13,140
$329
1,077
16%
$7.68
$399
1.5
1: BR = Bedroom
117
Mississippi
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
DeSoto County
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
13,585
24%
$10.20
$530
1.5
Forrest County
$13.81
$718
$28,720
1.9
$51,200
$1,280
$15,360
$384
11,969
43%
$10.24
$533
1.3
Franklin County
$11.81
$614
$24,560
1.6
$41,900
$1,048
$12,570
$314
571
17%
$8.29
$431
1.4
George County
$15.73
$818
$32,720
2.2
$56,000
$1,400
$16,800
$420
1,376
17%
$7.00
$364
2.2
Greene County
$11.81
$614
$24,560
1.6
$45,000
$1,125
$13,500
$338
732
18%
$8.02
$417
1.5
Grenada County
$11.81
$614
$24,560
1.6
$47,300
$1,183
$14,190
$355
2,462
29%
$5.88
$306
2.0
Hancock County
$15.92
$828
$33,120
2.2
$51,100
$1,278
$15,330
$383
4,100
23%
$12.62
$656
1.3
Harrison County
$15.92
$828
$33,120
2.2
$51,100
$1,278
$15,330
$383
26,198
37%
$10.64
$553
1.5
Hinds County
$14.83
$771
$30,840
2.0
$58,600
$1,465
$17,580
$440
35,557
40%
$11.99
$623
1.2
Holmes County
$11.81
$614
$24,560
1.6
$26,800
$670
$8,040
$201
1,881
28%
$7.85
$408
1.5
Humphreys County
$11.81
$614
$24,560
1.6
$32,600
$815
$9,780
$245
1,359
43%
$9.13
$475
1.3
Issaquena County
$18.65
$970
$38,800
2.6
$26,500
$663
$7,950
$199
126
26%
$5.39
$280
3.5
Itawamba County
$11.81
$614
$24,560
1.6
$46,800
$1,170
$14,040
$351
1,874
21%
$9.65
$502
1.2
Jackson County
$15.73
$818
$32,720
2.2
$56,000
$1,400
$16,800
$420
14,300
28%
$13.92
$724
1.1
Jasper County
$11.81
$614
$24,560
1.6
$40,200
$1,005
$12,060
$302
1,365
20%
$12.58
$654
0.9
Jefferson County
$11.81
$614
$24,560
1.6
$31,100
$778
$9,330
$233
784
30%
$8.08
$420
1.5
Jefferson Davis County
$11.81
$614
$24,560
1.6
$37,400
$935
$11,220
$281
901
19%
$11.53
$599
1.0
Jones County
$15.79
$821
$32,840
2.2
$48,900
$1,223
$14,670
$367
6,571
27%
$11.15
$580
1.4
Kemper County
$12.37
$643
$25,720
1.7
$40,700
$1,018
$12,210
$305
837
22%
$10.59
$551
1.2
Lafayette County
$15.69
$816
$32,640
2.2
$63,800
$1,595
$19,140
$479
5,759
38%
$7.40
$385
2.1
Lamar County
$13.81
$718
$28,720
1.9
$51,200
$1,280
$15,360
$384
7,085
33%
$6.66
$346
2.1
Lauderdale County
$11.81
$614
$24,560
1.6
$50,400
$1,260
$15,120
$378
9,807
33%
$9.79
$509
1.2
Lawrence County
$12.90
$671
$26,840
1.8
$52,600
$1,315
$15,780
$395
959
20%
$13.50
$702
1.0
Leake County
$11.92
$620
$24,800
1.6
$38,800
$970
$11,640
$291
1,928
24%
$9.02
$469
1.3
Lee County
$11.81
$614
$24,560
1.6
$55,100
$1,378
$16,530
$413
9,790
31%
$9.90
$515
1.2
Leflore County
$11.81
$614
$24,560
1.6
$28,300
$708
$8,490
$212
5,401
49%
$9.31
$484
1.3
Lincoln County
$11.81
$614
$24,560
1.6
$45,400
$1,135
$13,620
$341
3,064
23%
$9.18
$477
1.3
Lowndes County
$12.73
$662
$26,480
1.8
$49,100
$1,228
$14,730
$368
8,667
37%
$10.99
$572
1.2
Madison County
$14.83
$771
$30,840
2.0
$58,600
$1,465
$17,580
$440
10,698
30%
$11.77
$612
1.3
Marion County
$11.81
$614
$24,560
1.6
$45,500
$1,138
$13,650
$341
2,147
22%
$9.68
$503
1.2
Marshall County
$11.81
$614
$24,560
1.6
$40,200
$1,005
$12,060
$302
2,722
21%
$8.08
$420
1.5
1: BR = Bedroom
118
Mississippi
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Monroe County
$12.04
$626
$25,040
1.7
$45,700
$1,143
$13,710
$343
3,239
23%
$8.84
$460
Montgomery County
$11.81
$614
$24,560
1.6
$41,000
$1,025
$12,300
$308
1,128
27%
$5.95
$310
1.4
2.0
Neshoba County
$11.81
$614
$24,560
1.6
$40,900
$1,023
$12,270
$307
2,691
25%
$12.37
$643
1.0
Newton County
$12.62
$656
$26,240
1.7
$46,500
$1,163
$13,950
$349
1,724
22%
$9.99
$520
1.3
Noxubee County
$11.81
$614
$24,560
1.6
$30,300
$758
$9,090
$227
1,237
30%
$7.57
$394
1.6
Oktibbeha County
$13.77
$716
$28,640
1.9
$50,400
$1,260
$15,120
$378
9,227
50%
$6.79
$353
2.0
Panola County
$12.08
$628
$25,120
1.7
$40,900
$1,023
$12,270
$307
2,872
24%
$9.72
$505
1.2
Pearl River County
$13.02
$677
$27,080
1.8
$50,800
$1,270
$15,240
$381
4,540
22%
$8.87
$461
1.5
Perry County
$13.81
$718
$28,720
1.9
$51,200
$1,280
$15,360
$384
635
14%
$13.27
$690
1.0
Pike County
$12.56
$653
$26,120
1.7
$42,400
$1,060
$12,720
$318
4,457
30%
$7.54
$392
1.7
Pontotoc County
$11.81
$614
$24,560
1.6
$50,800
$1,270
$15,240
$381
2,098
21%
$7.83
$407
1.5
Prentiss County
$11.81
$614
$24,560
1.6
$44,100
$1,103
$13,230
$331
2,275
24%
$6.39
$332
1.8
Quitman County
$11.81
$614
$24,560
1.6
$30,500
$763
$9,150
$229
1,069
34%
$8.41
$437
1.4
Rankin County
$14.83
$771
$30,840
2.0
$58,600
$1,465
$17,580
$440
12,875
24%
$10.57
$550
1.4
Scott County
$12.73
$662
$26,480
1.8
$43,400
$1,085
$13,020
$326
1,882
19%
$9.83
$511
1.3
Sharkey County
$11.81
$614
$24,560
1.6
$40,500
$1,013
$12,150
$304
603
36%
$7.05
$366
1.7
Simpson County
$11.81
$614
$24,560
1.6
$45,800
$1,145
$13,740
$344
2,322
23%
$8.55
$445
1.4
Smith County
$13.48
$701
$28,040
1.9
$47,800
$1,195
$14,340
$359
923
15%
$7.16
$373
1.9
Stone County
$15.92
$828
$33,120
2.2
$51,100
$1,278
$15,330
$383
1,062
18%
$7.05
$367
2.3
Sunflower County
$11.81
$614
$24,560
1.6
$32,900
$823
$9,870
$247
3,537
42%
$8.61
$448
1.4
Tallahatchie County
$11.81
$614
$24,560
1.6
$33,400
$835
$10,020
$251
1,239
27%
$6.82
$355
1.7
Tate County
$13.65
$710
$28,400
1.9
$51,400
$1,285
$15,420
$386
2,766
28%
$8.71
$453
1.6
Tippah County
$11.81
$614
$24,560
1.6
$43,300
$1,083
$12,990
$325
1,847
22%
$7.85
$408
1.5
Tishomingo County
$11.81
$614
$24,560
1.6
$41,800
$1,045
$12,540
$314
1,628
22%
$7.52
$391
1.6
Tunica County
$13.35
$694
$27,760
1.8
$35,000
$875
$10,500
$263
2,200
54%
$10.11
$525
1.3
Union County
$11.81
$614
$24,560
1.6
$44,400
$1,110
$13,320
$333
2,776
27%
$10.28
$534
1.1
Walthall County
$14.73
$766
$30,640
2.0
$41,700
$1,043
$12,510
$313
1,005
18%
$5.16
$269
2.9
Warren County
$13.13
$683
$27,320
1.8
$55,800
$1,395
$16,740
$419
6,406
34%
$8.71
$453
1.5
Washington County
$11.85
$616
$24,640
1.6
$35,000
$875
$10,500
$263
8,364
45%
$9.26
$481
1.3
Wayne County
$11.81
$614
$24,560
1.6
$38,800
$970
$11,640
$291
1,305
16%
$9.29
$483
1.3
Webster County
$11.81
$614
$24,560
1.6
$47,400
$1,185
$14,220
$356
1,061
26%
$6.73
$350
1.8
1: BR = Bedroom
119
Mississippi
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Wilkinson County
$11.92
$620
$24,800
1.6
$40,700
$1,018
$12,210
$305
856
24%
$6.92
$360
1.7
Winston County
$11.81
$614
$24,560
1.6
$43,300
$1,083
$12,990
$325
1,894
25%
$8.82
$459
1.3
Yalobusha County
$11.81
$614
$24,560
1.6
$45,400
$1,135
$13,620
$341
1,238
26%
$8.35
$434
1.4
Yazoo County
$12.87
$669
$26,760
1.8
$36,900
$923
$11,070
$277
3,410
39%
$10.07
$524
1.3
1: BR = Bedroom
120
Missouri
In Missouri, the Fair Market Rent (FMR) for a two-bedroom apartment is $744. In order to afford this level of rent
Wage of:
$14.31
In Missouri, a minimum wage worker earns an hourly wage of $7.50. In order to afford the FMR for a two-bedroom
In Missouri, the estimated mean (average) wage for a renter is $12.15. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$112
$744
Two-Bedroom FMR
$1,527

$632
$458
$286
Minimum Wage Earner
$354
SSI Recipient
$528
$390
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
121
Missouri
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Missouri
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.31
$744
$29,755
1.9
$61,065
$1,527
$18,320
$458
731,881
31%
$12.15
$632
1.2
$11.95
$621
$24,857
1.6
$49,098
$1,227
$14,729
$368
170,191
29%
$8.55
$444
1.4
Bates County HMFA
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
1,712
25%
$7.57
$394
1.6
Calloway County HMFA
$11.88
$618
$24,720
1.6
$63,200
$1,580
$18,960
$474
3,669
22%
$9.17
$477
1.3
Cape Girardeau-Jackson MSA
$13.06
$679
$27,160
1.7
$53,400
$1,335
$16,020
$401
10,401
30%
$10.33
$537
1.3
Columbia MSA
$13.29
$691
$27,640
1.8
$68,500
$1,713
$20,550
$514
28,334
41%
$8.97
$466
1.5
Dallas County HMFA
$11.46
$596
$23,840
1.5
$48,800
$1,220
$14,640
$366
1,292
20%
$6.48
$337
1.8
Jefferson City HMFA
$12.29
$639
$25,560
1.6
$67,000
$1,675
$20,100
$503
10,641
31%
$9.87
$513
1.2
Joplin MSA
$11.87
$617
$24,680
1.6
$51,000
$1,275
$15,300
$383
21,145
32%
$10.00
$520
1.2
Kansas City HMFA
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
157,086
34%
$13.20
$686
1.2
McDonald County HMFA
$11.46
$596
$23,840
1.5
$47,900
$1,198
$14,370
$359
2,578
31%
$9.55
$497
1.2
Moniteau County HMFA
$12.58
$654
$26,160
1.7
$62,200
$1,555
$18,660
$467
1,402
25%
$5.69
$296
2.2
Polk County HMFA
$11.46
$596
$23,840
1.5
$50,800
$1,270
$15,240
$381
3,600
30%
$9.35
$486
1.2
Springfield HMFA
$12.50
$650
$26,000
1.7
$53,700
$1,343
$16,110
$403
56,632
36%
$10.70
$556
1.2
St. Joseph MSA
$14.33
$745
$29,800
1.9
$57,000
$1,425
$17,100
$428
14,212
32%
$11.18
$581
1.3
St. Louis HMFA
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
246,781
30%
$14.13
$735
1.1
$11.46
$596
$23,840
1.5
$44,500
$1,113
$13,350
$334
2,205
24%
$7.09
$369
1.6
Adair County
$11.46
$596
$23,840
1.5
$53,900
$1,348
$16,170
$404
3,660
38%
$5.76
$300
2.0
Andrew County
$14.33
$745
$29,800
1.9
$57,000
$1,425
$17,100
$428
1,420
21%
$7.16
$372
2.0
Atchison County
$11.46
$596
$23,840
1.5
$58,500
$1,463
$17,550
$439
717
29%
$8.90
$463
1.3
Audrain County
$12.63
$657
$26,280
1.7
$53,200
$1,330
$15,960
$399
2,436
26%
$10.05
$523
1.3
Barry County
$11.46
$596
$23,840
1.5
$49,300
$1,233
$14,790
$370
3,352
25%
$10.86
$565
1.1
Barton County
$11.46
$596
$23,840
1.5
$48,400
$1,210
$14,520
$363
1,165
24%
$5.76
$299
2.0
Bates County
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
1,712
25%
$7.57
$394
1.6
Benton County
$11.63
$605
$24,200
1.6
$46,700
$1,168
$14,010
$350
1,231
15%
$7.06
$367
1.6
Bollinger County
$13.06
$679
$27,160
1.7
$53,400
$1,335
$16,020
$401
902
19%
$6.75
$351
1.9
Boone County
$13.29
$691
$27,640
1.8
$68,500
$1,713
$20,550
$514
27,393
42%
$9.06
$471
1.5
Metropolitan Areas
Counties
Sullivan City (part of Crawford County) is not included due to a lack of sufficient data.
1: BR = Bedroom
122
Missouri
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Buchanan County
$14.33
$745
$29,800
1.9
$57,000
$1,425
$17,100
$428
11,509
34%
$11.47
$597
Butler County
$11.63
$605
$24,200
1.6
$45,000
$1,125
$13,500
$338
5,640
33%
$8.53
$444
1.4
Caldwell County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
1,000
27%
$10.48
$545
1.6
Callaway County
$11.88
$618
$24,720
1.6
$63,200
$1,580
$18,960
$474
3,669
22%
$9.17
$477
1.3
Camden County
$12.02
$625
$25,000
1.6
$51,200
$1,280
$15,360
$384
3,502
20%
$7.14
$371
1.7
Cape Girardeau County
$13.06
$679
$27,160
1.7
$53,400
$1,335
$16,020
$401
9,499
32%
$10.47
$544
1.2
Carroll County
$11.46
$596
$23,840
1.5
$61,400
$1,535
$18,420
$461
754
21%
$6.44
$335
1.8
Carter County
$11.46
$596
$23,840
1.5
$36,300
$908
$10,890
$272
621
26%
$6.55
$340
1.8
Cass County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
8,132
22%
$8.60
$447
1.9
Cedar County
$11.46
$596
$23,840
1.5
$41,200
$1,030
$12,360
$309
1,548
26%
$7.62
$396
1.5
Chariton County
$11.46
$596
$23,840
1.5
$56,900
$1,423
$17,070
$427
647
21%
$9.58
$498
1.2
Christian County
$12.50
$650
$26,000
1.7
$53,700
$1,343
$16,110
$403
7,531
26%
$8.16
$425
1.5
Clark County
$11.46
$596
$23,840
1.5
$53,700
$1,343
$16,110
$403
642
23%
$6.35
$330
1.8
Clay County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
24,652
28%
$12.57
$654
1.3
Clinton County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
2,121
26%
$8.01
$417
2.0
Cole County
$12.29
$639
$25,560
1.6
$67,000
$1,675
$20,100
$503
9,784
33%
$10.12
$526
1.2
Cooper County
$11.46
$596
$23,840
1.5
$56,400
$1,410
$16,920
$423
1,774
27%
$8.05
$418
1.4
Crawford County
$11.46
$596
$23,840
1.5
$45,200
$1,130
$13,560
$339
2,354
25%
$9.58
$498
1.2
Dade County
$11.46
$596
$23,840
1.5
$40,500
$1,013
$12,150
$304
726
23%
$8.83
$459
1.3
Dallas County
$11.46
$596
$23,840
1.5
$48,800
$1,220
$14,640
$366
1,292
20%
$6.48
$337
1.8
Daviess County
$11.46
$596
$23,840
1.5
$50,600
$1,265
$15,180
$380
703
23%
$8.76
$456
1.3
DeKalb County
$14.33
$745
$29,800
1.9
$57,000
$1,425
$17,100
$428
1,283
34%
$8.70
$452
1.6
Dent County
$11.46
$596
$23,840
1.5
$46,900
$1,173
$14,070
$352
1,473
25%
$6.67
$347
1.7
Douglas County
$11.46
$596
$23,840
1.5
$38,900
$973
$11,670
$292
1,152
23%
$7.97
$415
1.4
Dunklin County
$11.46
$596
$23,840
1.5
$40,100
$1,003
$12,030
$301
4,931
39%
$7.84
$407
1.5
Franklin County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
9,263
24%
$10.45
$543
1.5
Gasconade County
$11.46
$596
$23,840
1.5
$52,800
$1,320
$15,840
$396
1,394
22%
$7.73
$402
1.5
Gentry County
$11.46
$596
$23,840
1.5
$48,700
$1,218
$14,610
$365
716
26%
$8.01
$416
1.4
Greene County
$12.50
$650
$26,000
1.7
$53,700
$1,343
$16,110
$403
46,118
40%
$11.01
$572
1.1
Grundy County
$11.46
$596
$23,840
1.5
$50,600
$1,265
$15,180
$380
1,178
28%
$11.13
$579
1.0
Harrison County
$11.54
$600
$24,000
1.5
$47,400
$1,185
$14,220
$356
933
26%
$8.45
$439
1.4
1.2
1: BR = Bedroom
123
Missouri
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Henry County
$12.17
$633
$25,320
1.6
$50,800
$1,270
$15,240
$381
2,749
29%
$7.78
$404
1.6
Hickory County
$11.46
$596
$23,840
1.5
$36,500
$913
$10,950
$274
696
16%
$5.98
$311
1.9
Holt County
$11.46
$596
$23,840
1.5
$53,700
$1,343
$16,110
$403
552
25%
$9.00
$468
1.3
Howard County
$13.29
$691
$27,640
1.8
$68,500
$1,713
$20,550
$514
941
25%
$6.04
$314
2.2
Howell County
$11.46
$596
$23,840
1.5
$43,400
$1,085
$13,020
$326
4,638
30%
$7.20
$374
1.6
Iron County
$11.46
$596
$23,840
1.5
$43,600
$1,090
$13,080
$327
1,132
27%
$12.35
$642
0.9
Jackson County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
103,501
38%
$14.08
$732
1.2
Jasper County
$11.87
$617
$24,680
1.6
$51,000
$1,275
$15,300
$383
15,689
35%
$9.78
$509
1.2
Jefferson County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
13,818
17%
$8.26
$429
1.9
Johnson County
$12.96
$674
$26,960
1.7
$62,700
$1,568
$18,810
$470
7,379
37%
$7.33
$381
1.8
Knox County
$11.46
$596
$23,840
1.5
$46,900
$1,173
$14,070
$352
468
26%
$7.83
$407
1.5
Laclede County
$11.46
$596
$23,840
1.5
$46,600
$1,165
$13,980
$350
4,073
29%
$9.89
$514
1.2
Lafayette County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
3,255
25%
$6.89
$358
2.4
Lawrence County
$11.46
$596
$23,840
1.5
$50,800
$1,270
$15,240
$381
4,062
27%
$8.81
$458
1.3
Lewis County
$11.46
$596
$23,840
1.5
$49,000
$1,225
$14,700
$368
1,009
26%
$9.04
$470
1.3
Lincoln County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
3,607
19%
$7.18
$373
2.2
Linn County
$11.46
$596
$23,840
1.5
$51,300
$1,283
$15,390
$385
1,206
25%
$6.81
$354
1.7
Livingston County
$12.35
$642
$25,680
1.6
$56,000
$1,400
$16,800
$420
1,612
29%
$8.43
$438
1.5
Macon County
$11.46
$596
$23,840
1.5
$50,100
$1,253
$15,030
$376
1,476
23%
$7.50
$390
1.5
Madison County
$12.02
$625
$25,000
1.6
$42,900
$1,073
$12,870
$322
1,077
23%
$8.43
$438
1.4
Maries County
$11.46
$596
$23,840
1.5
$54,100
$1,353
$16,230
$406
759
21%
$8.32
$433
1.4
Marion County
$11.92
$620
$24,800
1.6
$55,400
$1,385
$16,620
$416
3,396
30%
$8.41
$437
1.4
McDonald County
$11.46
$596
$23,840
1.5
$47,900
$1,198
$14,370
$359
2,578
31%
$9.55
$497
1.2
Mercer County
$11.46
$596
$23,840
1.5
$48,400
$1,210
$14,520
$363
356
23%
$8.62
$448
1.3
Miller County
$11.73
$610
$24,400
1.6
$49,100
$1,228
$14,730
$368
2,518
25%
$9.64
$501
1.2
Mississippi County
$11.46
$596
$23,840
1.5
$36,400
$910
$10,920
$273
1,822
35%
$6.62
$344
1.7
Moniteau County
$12.58
$654
$26,160
1.7
$62,200
$1,555
$18,660
$467
1,402
25%
$5.69
$296
2.2
Monroe County
$11.46
$596
$23,840
1.5
$54,100
$1,353
$16,230
$406
840
24%
$9.07
$472
1.3
Montgomery County
$12.06
$627
$25,080
1.6
$48,500
$1,213
$14,550
$364
1,265
25%
$6.60
$343
1.8
Morgan County
$11.88
$618
$24,720
1.6
$46,900
$1,173
$14,070
$352
1,431
17%
$6.69
$348
1.8
New Madrid County
$11.46
$596
$23,840
1.5
$47,200
$1,180
$14,160
$354
2,791
37%
$10.91
$568
1.1
1: BR = Bedroom
124
Missouri
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Newton County
$11.87
$617
$24,680
1.6
$51,000
$1,275
$15,300
$383
5,456
25%
$10.64
$553
1.1
Nodaway County
$11.46
$596
$23,840
1.5
$59,300
$1,483
$17,790
$445
3,703
43%
$8.82
$459
1.3
Oregon County
$11.46
$596
$23,840
1.5
$39,300
$983
$11,790
$295
1,029
23%
$7.28
$379
1.6
Osage County
$12.29
$639
$25,560
1.6
$67,000
$1,675
$20,100
$503
857
16%
$6.85
$356
1.8
Ozark County
$11.46
$596
$23,840
1.5
$41,100
$1,028
$12,330
$308
821
20%
$6.35
$330
1.8
Pemiscot County
$11.46
$596
$23,840
1.5
$40,800
$1,020
$12,240
$306
3,036
43%
$7.71
$401
1.5
Perry County
$11.67
$607
$24,280
1.6
$57,900
$1,448
$17,370
$434
1,733
23%
$9.94
$517
1.2
Pettis County
$12.73
$662
$26,480
1.7
$52,900
$1,323
$15,870
$397
4,987
31%
$9.08
$472
1.4
Phelps County
$12.19
$634
$25,360
1.6
$54,100
$1,353
$16,230
$406
6,069
37%
$8.23
$428
1.5
Pike County
$11.46
$596
$23,840
1.5
$54,200
$1,355
$16,260
$407
1,892
29%
$8.37
$435
1.4
Platte County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
12,382
34%
$11.58
$602
1.4
Polk County
$11.46
$596
$23,840
1.5
$50,800
$1,270
$15,240
$381
3,600
30%
$9.35
$486
1.2
Pulaski County
$14.23
$740
$29,600
1.9
$57,200
$1,430
$17,160
$429
7,187
46%
$11.17
$581
1.3
Putnam County
$12.27
$638
$25,520
1.6
$45,000
$1,125
$13,500
$338
585
25%
$6.30
$328
1.9
Ralls County
$11.46
$596
$23,840
1.5
$54,600
$1,365
$16,380
$410
740
18%
$8.20
$426
1.4
Randolph County
$12.08
$628
$25,120
1.6
$46,800
$1,170
$14,040
$351
2,666
30%
$10.22
$532
1.2
Ray County
$16.38
$852
$34,080
2.2
$69,900
$1,748
$20,970
$524
2,043
23%
$8.82
$458
1.9
Reynolds County
$11.46
$596
$23,840
1.5
$41,700
$1,043
$12,510
$313
640
23%
$5.89
$306
1.9
Ripley County
$11.46
$596
$23,840
1.5
$35,000
$875
$10,500
$263
1,546
28%
$6.25
$325
1.8
Saline County
$11.46
$596
$23,840
1.5
$50,000
$1,250
$15,000
$375
2,760
31%
$8.44
$439
1.4
Schuyler County
$11.46
$596
$23,840
1.5
$44,800
$1,120
$13,440
$336
507
29%
$9.62
$500
1.2
Scotland County
$11.46
$596
$23,840
1.5
$49,400
$1,235
$14,820
$371
411
21%
$6.16
$320
1.9
Scott County
$11.85
$616
$24,640
1.6
$49,200
$1,230
$14,760
$369
4,908
32%
$8.29
$431
1.4
Shannon County
$11.46
$596
$23,840
1.5
$39,800
$995
$11,940
$299
673
20%
$4.87
$253
2.4
Shelby County
$11.46
$596
$23,840
1.5
$46,500
$1,163
$13,950
$349
791
30%
$7.62
$396
1.5
St. Charles County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
25,685
19%
$10.42
$542
1.5
St. Clair County
$11.46
$596
$23,840
1.5
$45,500
$1,138
$13,650
$341
931
21%
$6.44
$335
1.8
St. Francois County
$12.65
$658
$26,320
1.7
$48,800
$1,220
$14,640
$366
7,472
30%
$7.99
$416
1.6
St. Louis city
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
76,083
54%
$17.91
$931
0.9
St. Louis County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
115,549
29%
$14.38
$748
1.1
Ste. Genevieve County
$11.60
$603
$24,120
1.5
$56,700
$1,418
$17,010
$425
1,295
18%
$11.20
$582
1.0
1: BR = Bedroom
125
Missouri
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Stoddard County
$11.46
$596
$23,840
1.5
$47,300
$1,183
$14,190
$355
3,579
30%
$10.16
$528
Stone County
$12.79
$665
$26,600
1.7
$48,800
$1,220
$14,640
$366
2,812
21%
$7.19
$374
1.8
Sullivan County
$12.08
$628
$25,120
1.6
$42,700
$1,068
$12,810
$320
859
33%
$11.92
$620
1.0
Taney County
$12.69
$660
$26,400
1.7
$49,000
$1,225
$14,700
$368
7,157
35%
$9.02
$469
1.4
Texas County
$11.46
$596
$23,840
1.5
$41,900
$1,048
$12,570
$314
2,564
27%
$7.90
$411
1.5
Vernon County
$12.02
$625
$25,000
1.6
$46,400
$1,160
$13,920
$348
2,296
28%
$9.12
$474
1.3
Warren County
$15.65
$814
$32,560
2.1
$67,100
$1,678
$20,130
$503
2,776
22%
$7.52
$391
2.1
Washington County
$11.46
$596
$23,840
1.5
$44,500
$1,113
$13,350
$334
2,205
24%
$7.09
$369
1.6
Wayne County
$11.46
$596
$23,840
1.5
$43,800
$1,095
$13,140
$329
1,520
27%
$5.72
$298
2.0
Webster County
$12.50
$650
$26,000
1.7
$53,700
$1,343
$16,110
$403
2,983
23%
$8.32
$432
1.5
Worth County
$11.46
$596
$23,840
1.5
$48,500
$1,213
$14,550
$364
239
24%
$7.04
$366
1.6
Wright County
$11.46
$596
$23,840
1.5
$37,900
$948
$11,370
$284
2,227
30%
$7.10
$369
1.6
1.1
1: BR = Bedroom
126
Montana
In Montana, the Fair Market Rent (FMR) for a two-bedroom apartment is $705. In order to afford this level of rent
Wage of:
$13.55
In Montana, a minimum wage worker earns an hourly wage of $7.90. In order to afford the FMR for a two-bedroom
In Montana, the estimated mean (average) wage for a renter is $10.81. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$143
$705
Two-Bedroom FMR
$1,479

$562
$444
$261
Minimum Wage Earner
$294
SSI Recipient
$489
$411
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
127
Montana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Montana
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.55
$705
$28,183
1.7
$59,147
$1,479
$17,744
$444
127,692
31%
$10.81
$562
1.3
$13.13
$683
$27,311
1.7
$59,078
$1,477
$17,723
$443
78,434
30%
$10.91
$567
1.2
Billings MSA
$13.44
$699
$27,960
1.7
$59,500
$1,488
$17,850
$446
19,581
30%
$11.67
$607
1.2
Great Falls MSA
$12.25
$637
$25,480
1.6
$56,200
$1,405
$16,860
$422
11,295
34%
$10.35
$538
1.2
Missoula MSA
$16.25
$845
$33,800
2.1
$61,200
$1,530
$18,360
$459
18,382
40%
$9.32
$484
1.7
Beaverhead County
$12.25
$637
$25,480
1.6
$61,700
$1,543
$18,510
$463
1,558
38%
$8.45
$440
1.4
Metropolitan Areas
Counties
Big Horn County
$12.25
$637
$25,480
1.6
$44,600
$1,115
$13,380
$335
1,227
35%
$15.46
$804
0.8
Blaine County
$12.25
$637
$25,480
1.6
$42,800
$1,070
$12,840
$321
810
35%
$7.42
$386
1.7
Broadwater County
$12.62
$656
$26,240
1.6
$49,300
$1,233
$14,790
$370
545
23%
$9.22
$480
1.4
Carbon County
$13.44
$699
$27,960
1.7
$59,500
$1,488
$17,850
$446
1,121
27%
$10.77
$560
1.2
Carter County
$12.25
$637
$25,480
1.6
$47,800
$1,195
$14,340
$359
130
24%
$9.72
$506
1.3
Cascade County
$12.25
$637
$25,480
1.6
$56,200
$1,405
$16,860
$422
11,295
34%
$10.35
$538
1.2
Chouteau County
$12.25
$637
$25,480
1.6
$53,000
$1,325
$15,900
$398
826
38%
$8.86
$461
1.4
Custer County
$12.25
$637
$25,480
1.6
$53,800
$1,345
$16,140
$404
1,672
33%
$9.91
$515
1.2
Daniels County
$12.25
$637
$25,480
1.6
$54,200
$1,355
$16,260
$407
191
22%
$11.58
$602
1.1
Dawson County
$12.25
$637
$25,480
1.6
$65,700
$1,643
$19,710
$493
1,205
32%
$8.38
$436
1.5
Deer Lodge County
$12.25
$637
$25,480
1.6
$48,200
$1,205
$14,460
$362
1,114
29%
$9.69
$504
1.3
Fallon County
$12.25
$637
$25,480
1.6
$69,200
$1,730
$20,760
$519
313
25%
$17.31
$900
0.7
Fergus County
$12.25
$637
$25,480
1.6
$53,200
$1,330
$15,960
$399
1,243
25%
$10.81
$562
1.1
Flathead County
$14.15
$736
$29,440
1.8
$57,700
$1,443
$17,310
$433
10,454
28%
$10.87
$565
1.3
Gallatin County
$14.37
$747
$29,880
1.8
$71,100
$1,778
$21,330
$533
14,213
39%
$11.73
$610
1.2
Garfield County
$12.25
$637
$25,480
1.6
$57,800
$1,445
$17,340
$434
113
24%
$8.52
$443
1.4
Glacier County
$12.25
$637
$25,480
1.6
$47,400
$1,185
$14,220
$356
1,702
40%
$10.43
$542
1.2
Golden Valley County
$12.35
$642
$25,680
1.6
$55,200
$1,380
$16,560
$414
57
18%
Granite County
$12.31
$640
$25,600
1.6
$51,300
$1,283
$15,390
$385
389
26%
$10.17
$529
1.2
Hill County
$12.25
$637
$25,480
1.6
$59,400
$1,485
$17,820
$446
1,971
32%
$8.24
$429
1.5
Jefferson County
$14.17
$737
$29,480
1.8
$74,900
$1,873
$22,470
$562
690
15%
$7.85
$408
1.8
1: BR = Bedroom
128
Montana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Judith Basin County
$12.25
$637
$25,480
1.6
$53,300
$1,333
$15,990
$400
172
20%
$13.81
$718
0.9
Lake County
$12.25
$637
$25,480
1.6
$49,000
$1,225
$14,700
$368
3,787
31%
$10.30
$536
1.2
Lewis and Clark County
$13.44
$699
$27,960
1.7
$70,800
$1,770
$21,240
$531
7,190
27%
$10.34
$537
1.3
Liberty County
$12.25
$637
$25,480
1.6
$57,600
$1,440
$17,280
$432
319
38%
$7.59
$395
1.6
Lincoln County
$12.25
$637
$25,480
1.6
$41,700
$1,043
$12,510
$313
2,091
23%
$10.78
$560
1.1
Madison County
$13.40
$697
$27,880
1.7
$58,600
$1,465
$17,580
$440
1,035
28%
$9.39
$488
1.4
McCone County
$12.25
$637
$25,480
1.6
$61,900
$1,548
$18,570
$464
184
24%
$11.54
$600
1.1
Meagher County
$12.25
$637
$25,480
1.6
$45,100
$1,128
$13,530
$338
218
30%
$10.49
$546
1.2
Mineral County
$12.25
$637
$25,480
1.6
$44,200
$1,105
$13,260
$332
473
29%
$8.38
$436
1.5
Missoula County
$16.25
$845
$33,800
2.1
$61,200
$1,530
$18,360
$459
18,382
40%
$9.32
$484
1.7
Musselshell County
$12.25
$637
$25,480
1.6
$53,100
$1,328
$15,930
$398
425
22%
$14.62
$760
0.8
Park County
$14.40
$749
$29,960
1.8
$54,000
$1,350
$16,200
$405
1,729
26%
$11.63
$605
1.2
Petroleum County
$12.25
$637
$25,480
1.6
$40,800
$1,020
$12,240
$306
60
24%
Phillips County
$12.25
$637
$25,480
1.6
$58,500
$1,463
$17,550
$439
386
22%
$8.77
$456
1.4
Pondera County
$12.25
$637
$25,480
1.6
$52,000
$1,300
$15,600
$390
737
32%
$9.98
$519
1.2
Powder River County
$12.25
$637
$25,480
1.6
$53,300
$1,333
$15,990
$400
182
26%
$9.34
$486
1.3
Powell County
$12.25
$637
$25,480
1.6
$50,300
$1,258
$15,090
$377
678
28%
$10.49
$546
1.2
Prairie County
$12.25
$637
$25,480
1.6
$43,200
$1,080
$12,960
$324
76
15%
$5.98
$311
2.0
Ravalli County
$13.21
$687
$27,480
1.7
$58,400
$1,460
$17,520
$438
4,154
25%
$8.43
$439
1.6
0.8
Richland County
$12.25
$637
$25,480
1.6
$70,600
$1,765
$21,180
$530
1,351
32%
$14.93
$777
Roosevelt County
$12.25
$637
$25,480
1.6
$52,900
$1,323
$15,870
$397
1,275
39%
$9.80
$510
1.2
Rosebud County
$12.25
$637
$25,480
1.6
$61,100
$1,528
$18,330
$458
1,028
31%
$17.53
$912
0.7
Sanders County
$12.25
$637
$25,480
1.6
$36,600
$915
$10,980
$275
1,174
23%
$9.17
$477
1.3
Sheridan County
$12.25
$637
$25,480
1.6
$61,400
$1,535
$18,420
$461
454
28%
$9.05
$470
1.4
Silver Bow County
$12.25
$637
$25,480
1.6
$56,000
$1,400
$16,800
$420
5,085
34%
$9.25
$481
1.3
Stillwater County
$12.25
$637
$25,480
1.6
$69,400
$1,735
$20,820
$521
827
22%
$21.92
$1,140
0.6
Sweet Grass County
$12.35
$642
$25,680
1.6
$60,400
$1,510
$18,120
$453
313
25%
$16.19
$842
0.8
Teton County
$12.25
$637
$25,480
1.6
$52,600
$1,315
$15,780
$395
550
23%
$9.32
$485
1.3
Toole County
$12.25
$637
$25,480
1.6
$65,300
$1,633
$19,590
$490
704
34%
$10.54
$548
1.2
Treasure County
$12.25
$637
$25,480
1.6
$56,800
$1,420
$17,040
$426
108
32%
$11.13
$579
1.1
Valley County
$12.25
$637
$25,480
1.6
$59,700
$1,493
$17,910
$448
980
30%
$9.49
$493
1.3
1: BR = Bedroom
129
Montana
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Wheatland County
$12.25
$637
$25,480
1.6
$46,500
$1,163
$13,950
$349
156
20%
$14.01
$728
Wibaux County
$12.25
$637
$25,480
1.6
$53,300
$1,333
$15,990
$400
110
29%
$8.33
$433
1.5
Yellowstone County
$13.44
$699
$27,960
1.7
$59,500
$1,488
$17,850
$446
18,460
30%
$11.70
$608
1.1
0.9
1: BR = Bedroom
130
Nebraska
In Nebraska, the Fair Market Rent (FMR) for a two-bedroom apartment is $701. In order to afford this level of rent
Wage of:
$13.49
In Nebraska, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Nebraska, the estimated mean (average) wage for a renter is $10.90. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$134
$701
Two-Bedroom FMR
$1,656

$567
$497
$204
Minimum Wage Earner
$324
SSI Recipient
$485
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
131
Nebraska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Nebraska
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.49
$701
$28,059
1.9
$66,225
$1,656
$19,867
$497
233,286
32%
$10.90
$567
1.2
$11.71
$609
$24,350
1.6
$59,293
$1,482
$17,788
$445
87,866
29%
$10.11
$526
1.2
Lincoln HMFA
$13.46
$700
$28,000
1.9
$67,800
$1,695
$20,340
$509
44,403
39%
$10.17
$529
1.3
Omaha-Council Bluffs HMFA
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
94,536
34%
$11.87
$617
1.3
Saunders County HMFA
$14.10
$733
$29,320
1.9
$73,300
$1,833
$21,990
$550
1,568
19%
$8.28
$430
1.7
Seward County HMFA
$11.29
$587
$23,480
1.6
$76,500
$1,913
$22,950
$574
1,630
26%
$8.65
$450
1.3
Sioux City MSA
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
3,283
34%
$10.34
$538
1.3
Adams County
$11.29
$587
$23,480
1.6
$63,900
$1,598
$19,170
$479
3,792
30%
$9.25
$481
1.2
Antelope County
$11.29
$587
$23,480
1.6
$51,500
$1,288
$15,450
$386
729
26%
$9.31
$484
1.2
Arthur County
$11.35
$590
$23,600
1.6
$48,200
$1,205
$14,460
$362
62
34%
Banner County
$11.29
$587
$23,480
1.6
$44,100
$1,103
$13,230
$331
113
37%
Blaine County
$11.35
$590
$23,600
1.6
$45,200
$1,130
$13,560
$339
109
45%
Boone County
$11.29
$587
$23,480
1.6
$54,500
$1,363
$16,350
$409
519
22%
$11.26
$585
1.0
Box Butte County
$11.29
$587
$23,480
1.6
$58,300
$1,458
$17,490
$437
1,762
36%
$8.54
$444
1.3
Boyd County
$11.29
$587
$23,480
1.6
$46,400
$1,160
$13,920
$348
165
18%
$9.11
$474
1.2
Brown County
$11.29
$587
$23,480
1.6
$49,100
$1,228
$14,730
$368
423
29%
$8.10
$421
1.4
Buffalo County
$12.44
$647
$25,880
1.7
$67,200
$1,680
$20,160
$504
6,113
35%
$9.42
$490
1.3
Burt County
$11.29
$587
$23,480
1.6
$63,100
$1,578
$18,930
$473
688
23%
$8.10
$421
1.4
Metropolitan Areas
Counties
Butler County
$11.29
$587
$23,480
1.6
$66,400
$1,660
$19,920
$498
894
25%
$11.55
$601
1.0
Cass County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
1,916
20%
$8.77
$456
1.7
Cedar County
$11.29
$587
$23,480
1.6
$57,300
$1,433
$17,190
$430
687
20%
$8.95
$466
1.3
Chase County
$11.29
$587
$23,480
1.6
$52,000
$1,300
$15,600
$390
355
21%
$10.98
$571
1.0
Cherry County
$12.10
$629
$25,160
1.7
$52,800
$1,320
$15,840
$396
756
30%
$6.44
$335
1.9
Cheyenne County
$11.29
$587
$23,480
1.6
$64,900
$1,623
$19,470
$487
1,475
33%
$17.90
$931
0.6
Clay County
$11.29
$587
$23,480
1.6
$57,800
$1,445
$17,340
$434
556
21%
$10.68
$555
1.1
Colfax County
$11.29
$587
$23,480
1.6
$58,800
$1,470
$17,640
$441
875
24%
$12.88
$670
0.9
Cuming County
$11.48
$597
$23,880
1.6
$62,000
$1,550
$18,600
$465
948
25%
$9.91
$515
1.2
1: BR = Bedroom
132
Nebraska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Custer County
$11.29
$587
$23,480
1.6
$52,600
$1,315
$15,780
$395
1,059
23%
$10.72
$558
1.1
Dakota County
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
2,679
37%
$10.51
$547
1.3
Dawes County
$11.29
$587
$23,480
1.6
$54,400
$1,360
$16,320
$408
1,408
37%
$5.54
$288
2.0
Dawson County
$11.56
$601
$24,040
1.6
$56,000
$1,400
$16,800
$420
2,725
31%
$9.59
$499
1.2
Deuel County
$11.29
$587
$23,480
1.6
$53,300
$1,333
$15,990
$400
193
23%
$8.48
$441
1.3
Dixon County
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
604
25%
$9.00
$468
1.5
Dodge County
$12.58
$654
$26,160
1.7
$56,400
$1,410
$16,920
$423
4,940
32%
$9.34
$486
1.3
Douglas County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
73,934
37%
$12.16
$632
1.2
Dundy County
$11.29
$587
$23,480
1.6
$52,900
$1,323
$15,870
$397
280
31%
$14.04
$730
0.8
Fillmore County
$11.29
$587
$23,480
1.6
$60,800
$1,520
$18,240
$456
535
21%
$10.92
$568
1.0
Franklin County
$11.29
$587
$23,480
1.6
$53,900
$1,348
$16,170
$404
238
17%
$9.55
$497
1.2
Frontier County
$12.62
$656
$26,240
1.7
$56,400
$1,410
$16,920
$423
260
23%
$9.90
$515
1.3
Furnas County
$11.29
$587
$23,480
1.6
$51,000
$1,275
$15,300
$383
579
27%
$13.19
$686
0.9
Gage County
$11.73
$610
$24,400
1.6
$59,000
$1,475
$17,700
$443
2,515
28%
$8.27
$430
1.4
Garden County
$11.29
$587
$23,480
1.6
$48,900
$1,223
$14,670
$367
216
25%
$10.38
$540
1.1
Garfield County
$11.29
$587
$23,480
1.6
$49,000
$1,225
$14,700
$368
225
26%
$7.90
$411
1.4
Gosper County
$11.65
$606
$24,240
1.6
$58,700
$1,468
$17,610
$440
183
23%
$14.86
$773
0.8
Grant County
$11.29
$587
$23,480
1.6
$46,900
$1,173
$14,070
$352
76
31%
$11.29
$587
1.0
Greeley County
$11.29
$587
$23,480
1.6
$59,500
$1,488
$17,850
$446
204
20%
$10.58
$550
1.1
Hall County
$12.25
$637
$25,480
1.7
$59,500
$1,488
$17,850
$446
7,576
34%
$10.63
$553
1.2
Hamilton County
$11.29
$587
$23,480
1.6
$63,300
$1,583
$18,990
$475
758
22%
$12.88
$670
0.9
Harlan County
$11.29
$587
$23,480
1.6
$56,500
$1,413
$16,950
$424
306
20%
$6.05
$315
1.9
Hayes County
$11.35
$590
$23,600
1.6
$51,800
$1,295
$15,540
$389
137
32%
$14.95
$777
0.8
Hitchcock County
$11.29
$587
$23,480
1.6
$51,400
$1,285
$15,420
$386
350
26%
$11.79
$613
1.0
Holt County
$11.29
$587
$23,480
1.6
$59,700
$1,493
$17,910
$448
1,010
23%
$9.10
$473
1.2
Hooker County
$11.35
$590
$23,600
1.6
$50,700
$1,268
$15,210
$380
56
19%
$6.14
$319
1.8
Howard County
$11.29
$587
$23,480
1.6
$59,100
$1,478
$17,730
$443
538
20%
$7.07
$367
1.6
Jefferson County
$11.29
$587
$23,480
1.6
$57,700
$1,443
$17,310
$433
695
21%
$9.35
$486
1.2
Johnson County
$11.29
$587
$23,480
1.6
$60,300
$1,508
$18,090
$452
451
23%
$9.62
$500
1.2
Kearney County
$11.29
$587
$23,480
1.6
$66,100
$1,653
$19,830
$496
566
22%
$10.61
$552
1.1
Keith County
$11.29
$587
$23,480
1.6
$56,900
$1,423
$17,070
$427
1,060
28%
$9.92
$516
1.1
1: BR = Bedroom
133
Nebraska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Keya Paha County
$11.29
$587
$23,480
1.6
$46,900
$1,173
$14,070
$352
55
15%
Kimball County
$11.71
$609
$24,360
1.6
$55,500
$1,388
$16,650
$416
487
29%
$15.45
$803
Knox County
$11.29
$587
$23,480
1.6
$53,800
$1,345
$16,140
$404
977
26%
$8.10
$421
1.4
Lancaster County
$13.46
$700
$28,000
1.9
$67,800
$1,695
$20,340
$509
44,403
39%
$10.17
$529
1.3
Lincoln County
$12.08
$628
$25,120
1.7
$69,000
$1,725
$20,700
$518
4,394
29%
$8.59
$447
1.4
Logan County
$13.69
$712
$28,480
1.9
$52,000
$1,300
$15,600
$390
79
24%
$9.90
$515
1.4
Loup County
$11.29
$587
$23,480
1.6
$44,800
$1,120
$13,440
$336
51
22%
Madison County
$11.48
$597
$23,880
1.6
$62,500
$1,563
$18,750
$469
4,731
34%
$8.50
$442
1.4
0.8
McPherson County
$11.35
$590
$23,600
1.6
$63,600
$1,590
$19,080
$477
55
32%
Merrick County
$11.29
$587
$23,480
1.6
$58,600
$1,465
$17,580
$440
895
27%
$7.87
$409
1.4
Morrill County
$11.29
$587
$23,480
1.6
$49,900
$1,248
$14,970
$374
683
33%
$12.14
$631
0.9
Nance County
$11.29
$587
$23,480
1.6
$53,300
$1,333
$15,990
$400
400
26%
$8.50
$442
1.3
Nemaha County
$11.29
$587
$23,480
1.6
$60,300
$1,508
$18,090
$452
925
30%
$8.58
$446
1.3
Nuckolls County
$11.29
$587
$23,480
1.6
$45,500
$1,138
$13,650
$341
467
23%
$11.05
$575
1.0
Otoe County
$11.48
$597
$23,880
1.6
$64,400
$1,610
$19,320
$483
1,755
27%
$8.26
$430
1.4
Pawnee County
$11.29
$587
$23,480
1.6
$53,300
$1,333
$15,990
$400
315
24%
$8.92
$464
1.3
Perkins County
$11.29
$587
$23,480
1.6
$68,200
$1,705
$20,460
$512
326
27%
$14.69
$764
0.8
Phelps County
$11.29
$587
$23,480
1.6
$65,000
$1,625
$19,500
$488
1,046
27%
$11.85
$616
1.0
Pierce County
$11.29
$587
$23,480
1.6
$62,400
$1,560
$18,720
$468
617
21%
$9.96
$518
1.1
Platte County
$11.29
$587
$23,480
1.6
$63,400
$1,585
$19,020
$476
3,509
28%
$12.25
$637
0.9
Polk County
$11.29
$587
$23,480
1.6
$62,500
$1,563
$18,750
$469
580
26%
$11.36
$591
1.0
Red Willow County
$11.29
$587
$23,480
1.6
$59,600
$1,490
$17,880
$447
1,474
31%
$11.84
$616
1.0
Richardson County
$11.29
$587
$23,480
1.6
$51,500
$1,288
$15,450
$386
945
25%
$10.41
$541
1.1
Rock County
$11.37
$591
$23,640
1.6
$51,400
$1,285
$15,420
$386
93
14%
$14.02
$729
0.8
Saline County
$13.29
$691
$27,640
1.8
$56,300
$1,408
$16,890
$422
1,666
33%
$10.84
$564
1.2
Sarpy County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
17,188
29%
$10.57
$550
1.4
Saunders County
$14.10
$733
$29,320
1.9
$73,300
$1,833
$21,990
$550
1,568
19%
$8.28
$430
1.7
Scotts Bluff County
$12.12
$630
$25,200
1.7
$53,600
$1,340
$16,080
$402
4,925
33%
$10.36
$539
1.2
Seward County
$11.29
$587
$23,480
1.6
$76,500
$1,913
$22,950
$574
1,630
26%
$8.65
$450
1.3
Sheridan County
$11.29
$587
$23,480
1.6
$46,000
$1,150
$13,800
$345
685
29%
$7.61
$396
1.5
Sherman County
$11.29
$587
$23,480
1.6
$53,600
$1,340
$16,080
$402
260
19%
$9.62
$500
1.2
1: BR = Bedroom
134
Nebraska
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Sioux County
$11.29
$587
$23,480
1.6
$55,200
$1,380
$16,560
$414
140
25%
Stanton County
$11.29
$587
$23,480
1.6
$61,200
$1,530
$18,360
$459
493
21%
$22.27
$1,158
0.5
Thayer County
$11.29
$587
$23,480
1.6
$54,600
$1,365
$16,380
$410
429
19%
$10.71
$557
1.1
Thomas County
$11.52
$599
$23,960
1.6
$61,100
$1,528
$18,330
$458
86
26%
$12.62
$656
0.9
Thurston County
$11.29
$587
$23,480
1.6
$49,100
$1,228
$14,730
$368
651
32%
$11.26
$585
1.0
Valley County
$11.29
$587
$23,480
1.6
$56,000
$1,400
$16,800
$420
417
22%
$5.67
$295
2.0
Washington County
$15.19
$790
$31,600
2.1
$73,000
$1,825
$21,900
$548
1,498
20%
$11.51
$598
1.3
Wayne County
$11.29
$587
$23,480
1.6
$61,400
$1,535
$18,420
$461
992
30%
$7.07
$368
1.6
Webster County
$11.29
$587
$23,480
1.6
$51,400
$1,285
$15,420
$386
346
22%
$7.90
$411
1.4
Wheeler County
$11.29
$587
$23,480
1.6
$54,400
$1,360
$16,320
$408
86
26%
$18.24
$948
0.6
York County
$11.54
$600
$24,000
1.6
$62,700
$1,568
$18,810
$470
1,671
30%
$10.34
$538
1.1
1: BR = Bedroom
135
Nevada
In Nevada, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,001. In order to afford this level of rent
Wage of:
$19.25
In Nevada, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a two-bedroom
In Nevada, the estimated mean (average) wage for a renter is $14.83. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$230
$1,001
Two-Bedroom FMR
$1,493

$771

$448
$553
Minimum Wage Earner
$429
Minimum Wage Earner
$572
SSI Recipient
$774

(SSI) Recipient
$227
$0
$500
$1,000
$1,500
$2,000
136
Nevada
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Nevada
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$19.25
$1,001
$40,044
2.3
$59,724
$1,493
$17,917
$448
418,615
42%
$14.83
$771
1.3
$16.03
$834
$33,348
1.9
$64,804
$1,620
$19,441
$486
30,296
30%
$16.02
$833
1.0
Metropolitan Areas
Carson City MSA
$16.71
$869
$34,760
2.0
$67,400
$1,685
$20,220
$506
8,346
40%
$13.37
$695
1.2
Las Vegas-Paradise MSA *
$19.96
$1,038
$41,520
2.4
$58,000
$1,450
$17,400
$435
312,875
44%
$15.07
$784
1.3
Reno-Sparks MSA
$17.71
$921
$36,840
2.1
$63,000
$1,575
$18,900
$473
67,098
41%
$13.36
$694
1.3
Carson City
$16.71
$869
$34,760
2.0
$67,400
$1,685
$20,220
$506
8,346
40%
$13.37
$695
1.2
Churchill County
$15.67
$815
$32,600
1.9
$67,700
$1,693
$20,310
$508
3,328
36%
$15.58
$810
1.0
Clark County *
$19.96
$1,038
$41,520
2.4
$58,000
$1,450
$17,400
$435
312,875
44%
$15.07
$784
1.3
Douglas County
$18.73
$974
$38,960
2.3
$74,100
$1,853
$22,230
$556
5,214
27%
$13.82
$719
1.4
Elko County
$16.92
$880
$35,200
2.1
$78,700
$1,968
$23,610
$590
4,993
29%
$13.98
$727
1.2
Esmeralda County
$12.25
$637
$25,480
1.5
$60,600
$1,515
$18,180
$455
218
42%
Eureka County
$15.92
$828
$33,120
1.9
$71,300
$1,783
$21,390
$535
224
32%
$42.24
$2,197
0.4
Humboldt County
$13.35
$694
$27,760
1.6
$73,100
$1,828
$21,930
$548
1,821
29%
$15.74
$818
0.8
Lander County
$14.48
$753
$30,120
1.8
$73,600
$1,840
$22,080
$552
491
25%
$12.53
$652
1.2
Lincoln County
$15.04
$782
$31,280
1.8
$53,200
$1,330
$15,960
$399
590
30%
$6.38
$332
2.4
Lyon County
$15.10
$785
$31,400
1.8
$56,800
$1,420
$17,040
$426
5,497
30%
$13.78
$716
1.1
Mineral County
$17.10
$889
$35,560
2.1
$53,200
$1,330
$15,960
$399
654
29%
$13.98
$727
1.2
Nye County
$15.73
$818
$32,720
1.9
$46,800
$1,170
$14,040
$351
5,469
30%
$14.86
$773
1.1
Pershing County
$12.25
$637
$25,480
1.5
$66,200
$1,655
$19,860
$497
668
32%
$18.30
$952
0.7
Storey County
$17.71
$921
$36,840
2.1
$63,000
$1,575
$18,900
$473
97
5%
$24.40
$1,269
0.7
Washoe County
$17.71
$921
$36,840
2.1
$63,000
$1,575
$18,900
$473
67,001
41%
$13.13
$683
1.3
White Pine County
$14.62
$760
$30,400
1.8
$65,700
$1,643
$19,710
$493
1,129
32%
$17.39
$904
0.8
Counties
1: BR = Bedroom
137
New Hampshire
In New Hampshire, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,049. In order to afford this level
of rent and utilities without paying more than 30% of income on housing a household must earn $3,498 monthly
or $41,971 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a
Housing Wage of:
$20.18
In New Hampshire, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 111 hours per week, 52 weeks per year. Or a household
FMR affordable.
In New Hampshire, the estimated mean (average) wage for a renter is $13.35. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 60 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$355
$1,049
Two-Bedroom FMR
$2,010

$694
$603
$446
Minimum Wage Earner
$672
SSI Recipient
$833
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
$2,500
138
New Hampshire
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
New Hampshire
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$20.18
$1,049
$41,971
2.8
$80,387
$2,010
$24,116
$603
144,824
28%
$13.35
$694
1.5
$18.47
$960
$38,417
2.5
$71,224
$1,781
$21,367
$534
54,027
27%
$12.43
$646
1.5
Boston-Cambridge-Quincy HMFA
$27.96
$1,454
$58,160
3.9
$94,100
$2,353
$28,230
$706
1,462
35%
$13.04
$678
2.1
Hillsborough County HMFA
$17.44
$907
$36,280
2.4
$82,600
$2,065
$24,780
$620
2,620
21%
$14.72
$765
1.2
Lawrence HMFA
$20.92
$1,088
$43,520
2.9
$82,800
$2,070
$24,840
$621
10,873
21%
$13.04
$678
1.6
Manchester HMFA
$20.23
$1,052
$42,080
2.8
$76,500
$1,913
$22,950
$574
24,769
41%
$14.72
$765
1.4
Nashua HMFA
$23.06
$1,199
$47,960
3.2
$93,800
$2,345
$28,140
$704
21,648
27%
$14.72
$765
1.6
Portsmouth-Rochester HMFA
$20.48
$1,065
$42,600
2.8
$84,300
$2,108
$25,290
$632
27,788
31%
$12.84
$668
1.6
Western Rockingham County HMFA
$25.04
$1,302
$52,080
3.5
$106,300
$2,658
$31,890
$797
1,637
10%
$13.04
$678
1.9
Metropolitan Areas
Counties
Belknap County
$18.19
$946
$37,840
2.5
$70,500
$1,763
$21,150
$529
6,047
24%
$10.68
$555
Carroll County
$19.48
$1,013
$40,520
2.7
$63,000
$1,575
$18,900
$473
4,014
19%
$9.81
$510
1.7
2.0
Cheshire County
$18.69
$972
$38,880
2.6
$70,200
$1,755
$21,060
$527
8,670
29%
$11.81
$614
1.6
Coos County
$12.63
$657
$26,280
1.7
$54,800
$1,370
$16,440
$411
4,165
28%
Grafton County
$19.54
$1,016
$40,640
2.7
$67,200
$1,680
$20,160
$504
10,423
30%
$17.09
$889
1.1
Merrimack County
$19.27
$1,002
$40,080
2.7
$83,300
$2,083
$24,990
$625
15,998
28%
$10.60
$551
1.8
Sullivan County
$17.63
$917
$36,680
2.4
$66,200
$1,655
$19,860
$497
4,710
26%
$11.61
$603
1.5
1: BR = Bedroom
139
Towns within New Hampshire FMR Areas

Boston-Cambridge-Quincy, MA-NH HMFA
Rockingham County
Seabrook town, South Hampton town
Hillsborough County, NH (part) HMFA
Hillsborough County
Antrim town, Bennington town, Deering town, Francestown town, Greenfield town, Hancock town, Hillsborough town, Lyndeborough town, New Boston town,
Peterborough town, Sharon town, Temple town, Windsor town
Lawrence, MA-NH HMFA
Rockingham County
Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow town, Raymond town, Salem
town, Sandown town, Windham town
Manchester, NH HMFA
Hillsborough County
Bedford town, Goffstown town, Manchester city, Weare town
Nashua, NH HMFA
Hillsborough County
Amherst town, Brookline town, Greenville town, Hollis town, Hudson town, Litchfield town, Mason town, Merrimack town, Milford town, Mont Vernon town,
Nashua city, New Ipswich town, Pelham town, Wilton town
Portsmouth-Rochester, NH HMFA
Rockingham County
Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton Falls town, Hampton town, Kensington town, New Castle town,
Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city, Rye town, Stratham town
Strafford County
Barrington town, Dover city, Durham town, Farmington town, Lee town, Madbury town, Middleton town, Milton town, New Durham town, Rochester city,
Rollinsford town, Somersworth city, Strafford town
Western Rockingham County, NH HMFA
Rockingham County
Auburn town, Candia town, Deerfield town, Londonderry town, Northwood town, Nottingham town
140
New Jersey
In New Jersey, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,296. In order to afford this level of
Wage of:
$24.92
In New Jersey, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 121 hours per week, 52 weeks per year. Or a household
FMR affordable.
In New Jersey, the estimated mean (average) wage for a renter is $16.34. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 61 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$446
$1,296
Two-Bedroom FMR
$2,125

$850
$638
$658
Minimum Wage Earner
$867
$429
Minimum Wage Earner

(SSI) Recipient
$226
$0
$500
SSI Recipient
$1,000
$1,500
$2,000
$1,070
$2,500
141
New Jersey
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
New Jersey
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
$24.92
$1,296
$51,838
3.0
$85,017
$2,125
$25,505
$638
Atlantic City-Hammonton MSA
$21.90
$1,139
$45,560
2.7
$68,100
$1,703
$20,430
Bergen-Passaic HMFA
$26.96
$1,402
$56,080
3.3
$87,500
$2,188
$26,250
Jersey City HMFA
$24.83
$1,291
$51,640
3.0
$63,300
$1,583
Middlesex-Somerset-Hunterdon HMFA
$28.04
$1,458
$58,320
3.4
$100,500
Monmouth-Ocean HMFA
$25.87
$1,345
$53,800
3.1
Newark HMFA
$24.33
$1,265
$50,600
2.9
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
1,078,712
34%
$16.34
$850
1.5
$511
30,706
30%
$10.13
$527
2.2
$656
185,875
37%
$16.76
$871
1.6
$18,990
$475
162,420
67%
$26.70
$1,388
0.9
$2,513
$30,150
$754
125,513
28%
$19.07
$992
1.5
$86,100
$2,153
$25,830
$646
97,795
21%
$10.64
$553
2.4
$87,700
$2,193
$26,310
$658
272,547
39%
$18.21
$947
1.3
Metropolitan Areas
Ocean City MSA
$19.71
$1,025
$41,000
2.4
$73,500
$1,838
$22,050
$551
11,138
26%
$9.16
$476
2.2
$21.83
$1,135
$45,400
2.6
$78,800
$1,970
$23,640
$591
122,529
25%
$12.10
$629
1.8
Trenton-Ewing MSA
$23.56
$1,225
$49,000
2.9
$95,900
$2,398
$28,770
$719
43,680
34%
$16.36
$851
1.4
Vineland-Millville-Bridgeton MSA
$20.60
$1,071
$42,840
2.5
$59,700
$1,493
$17,910
$448
16,294
32%
$10.23
$532
2.0
Warren County HMFA
$22.52
$1,171
$46,840
2.7
$82,900
$2,073
$24,870
$622
10,215
25%
$11.91
$619
1.9
Atlantic County
$21.90
$1,139
$45,560
2.7
$68,100
$1,703
$20,430
$511
30,706
30%
$10.13
$527
2.2
Bergen County
$26.96
$1,402
$56,080
3.3
$87,500
$2,188
$26,250
$656
113,023
34%
$18.20
$946
1.5
Burlington County *
$21.83
$1,135
$45,400
2.6
$78,800
$1,970
$23,640
$591
36,561
22%
$14.31
$744
1.5
Camden County *
$21.83
$1,135
$45,400
2.6
$78,800
$1,970
$23,640
$591
58,817
31%
$11.57
$601
1.9
Cape May County
$19.71
$1,025
$41,000
2.4
$73,500
$1,838
$22,050
$551
11,138
26%
$9.16
$476
2.2
Cumberland County
$20.60
$1,071
$42,840
2.5
$59,700
$1,493
$17,910
$448
16,294
32%
$10.23
$532
2.0
Essex County
$24.33
$1,265
$50,600
2.9
$87,700
$2,193
$26,310
$658
149,336
54%
$18.01
$936
1.4
Gloucester County *
$21.83
$1,135
$45,400
2.6
$78,800
$1,970
$23,640
$591
20,142
19%
$8.54
$444
2.6
Counties
Hudson County
$24.83
$1,291
$51,640
3.0
$63,300
$1,583
$18,990
$475
162,420
67%
$26.70
$1,388
0.9
Hunterdon County
$28.04
$1,458
$58,320
3.4
$100,500
$2,513
$30,150
$754
7,266
15%
$12.05
$627
2.3
Mercer County
$23.56
$1,225
$49,000
2.9
$95,900
$2,398
$28,770
$719
43,680
34%
$16.36
$851
1.4
Middlesex County
$28.04
$1,458
$58,320
3.4
$100,500
$2,513
$30,150
$754
93,572
33%
$18.84
$980
1.5
Monmouth County
$25.87
$1,345
$53,800
3.1
$86,100
$2,153
$25,830
$646
57,019
24%
$10.58
$550
2.4
Morris County
$24.33
$1,265
$50,600
2.9
$87,700
$2,193
$26,310
$658
43,338
24%
$20.34
$1,058
1.2
1: BR = Bedroom
142
New Jersey
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Ocean County
$25.87
$1,345
$53,800
3.1
$86,100
$2,153
$25,830
$646
40,776
18%
$10.72
$558
2.4
Passaic County
$26.96
$1,402
$56,080
3.3
$87,500
$2,188
$26,250
$656
72,852
45%
$12.89
$670
2.1
Salem County *
$21.83
$1,135
$45,400
2.6
$78,800
$1,970
$23,640
$591
7,009
28%
$12.26
$637
1.8
Somerset County
$28.04
$1,458
$58,320
3.4
$100,500
$2,513
$30,150
$754
24,675
21%
$21.29
$1,107
1.3
Sussex County
$24.33
$1,265
$50,600
2.9
$87,700
$2,193
$26,310
$658
8,377
15%
$8.28
$430
2.9
Union County
$24.33
$1,265
$50,600
2.9
$87,700
$2,193
$26,310
$658
71,496
39%
$17.35
$902
1.4
Warren County
$22.52
$1,171
$46,840
2.7
$82,900
$2,073
$24,870
$622
10,215
25%
$11.91
$619
1.9
1: BR = Bedroom
143
New Mexico
In New Mexico, the Fair Market Rent (FMR) for a two-bedroom apartment is $774. In order to afford this level of
Wage of:
$14.89
In New Mexico, a minimum wage worker earns an hourly wage of $7.50. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 79 hours per week, 52 weeks per year. Or a household must
include 2.0 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom FMR
affordable.
In New Mexico, the estimated mean (average) wage for a renter is $12.08. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 49 hours per week, 52 weeks per year. Or, working 40 hours per
$774
Two-Bedroom FMR
$1,380

$628

$414
$360
Minimum Wage Earner
$384
SSI Recipient
$558
$390
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$146
$216
$0
$500
$1,000
$1,500
144
New Mexico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
New Mexico
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.89
$774
$30,979
2.0
$55,216
$1,380
$16,565
$414
237,349
31%
$12.08
$628
1.2
$13.53
$704
$28,142
1.8
$50,641
$1,266
$15,192
$380
71,467
29%
$12.66
$659
1.1
Albuquerque MSA
$15.42
$802
$32,080
2.1
$57,800
$1,445
$17,340
$434
111,704
33%
$11.95
$621
1.3
Farmington MSA
$14.13
$735
$29,400
1.9
$65,700
$1,643
$19,710
$493
10,711
26%
$15.30
$796
0.9
Las Cruces MSA
$14.15
$736
$29,440
1.9
$44,000
$1,100
$13,200
$330
24,955
34%
$8.75
$455
1.6
Santa Fe MSA
$18.40
$957
$38,280
2.5
$65,300
$1,633
$19,590
$490
18,512
30%
$11.66
$606
1.6
Bernalillo County
$15.42
$802
$32,080
2.1
$57,800
$1,445
$17,340
$434
96,124
36%
$11.92
$620
Catron County
$12.25
$637
$25,480
1.6
$48,400
$1,210
$14,520
$363
215
13%
$4.87
$253
2.5
Chaves County
$12.40
$645
$25,800
1.7
$47,000
$1,175
$14,100
$353
7,784
33%
$10.44
$543
1.2
Cibola County
$12.25
$637
$25,480
1.6
$41,500
$1,038
$12,450
$311
2,307
29%
$11.67
$607
1.0
Colfax County
$13.04
$678
$27,120
1.7
$48,600
$1,215
$14,580
$365
1,900
33%
$7.89
$410
1.7
Curry County
$12.87
$669
$26,760
1.7
$54,100
$1,353
$16,230
$406
6,937
39%
$10.28
$534
1.3
De Baca County
$12.25
$637
$25,480
1.6
$42,200
$1,055
$12,660
$317
161
21%
$8.75
$455
1.4
Dona Ana County
$14.15
$736
$29,440
1.9
$44,000
$1,100
$13,200
$330
24,955
34%
$8.75
$455
1.6
Eddy County
$14.17
$737
$29,480
1.9
$60,500
$1,513
$18,150
$454
5,315
27%
$15.35
$798
0.9
Grant County
$12.25
$637
$25,480
1.6
$46,900
$1,173
$14,070
$352
2,945
24%
$11.00
$572
1.1
Guadalupe County
$12.25
$637
$25,480
1.6
$36,800
$920
$11,040
$276
260
19%
$8.76
$456
1.4
Harding County
$12.25
$637
$25,480
1.6
$45,200
$1,130
$13,560
$339
39
16%
Hidalgo County
$12.25
$637
$25,480
1.6
$43,700
$1,093
$13,110
$328
635
35%
$6.50
$338
1.9
Lea County
$15.21
$791
$31,640
2.0
$60,700
$1,518
$18,210
$455
6,330
30%
$18.10
$941
0.8
Lincoln County
$17.10
$889
$35,560
2.3
$54,600
$1,365
$16,380
$410
1,788
21%
$8.56
$445
2.0
Los Alamos County
$21.00
$1,092
$43,680
2.8
$126,300
$3,158
$37,890
$947
1,725
23%
$19.63
$1,021
1.1
Luna County
$12.25
$637
$25,480
1.6
$37,700
$943
$11,310
$283
2,996
33%
$8.56
$445
1.4
McKinley County
$12.25
$637
$25,480
1.6
$36,900
$923
$11,070
$277
4,931
28%
$11.21
$583
1.1
Mora County
$12.87
$669
$26,760
1.7
$45,700
$1,143
$13,710
$343
207
12%
$10.86
$565
1.2
Otero County
$12.25
$637
$25,480
1.6
$44,600
$1,115
$13,380
$335
7,900
33%
$11.70
$609
1.0
Quay County
$13.00
$676
$27,040
1.7
$41,700
$1,043
$12,510
$313
828
24%
$7.71
$401
1.7
Metropolitan Areas
Counties
1.3
1: BR = Bedroom
145
New Mexico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Rio Arriba County
$14.23
$740
$29,600
1.9
$48,300
$1,208
$14,490
$362
3,143
21%
$12.06
$627
Roosevelt County
$13.67
$711
$28,440
1.8
$44,800
$1,120
$13,440
$336
2,697
39%
$8.32
$432
1.6
San Juan County
$14.13
$735
$29,400
1.9
$65,700
$1,643
$19,710
$493
10,711
26%
$15.30
$796
0.9
San Miguel County
$12.67
$659
$26,360
1.7
$43,000
$1,075
$12,900
$323
3,774
32%
$7.21
$375
1.8
Sandoval County
$15.42
$802
$32,080
2.1
$57,800
$1,445
$17,340
$434
9,050
19%
$14.36
$747
1.1
Santa Fe County
$18.40
$957
$38,280
2.5
$65,300
$1,633
$19,590
$490
18,512
30%
$11.66
$606
1.6
Sierra County
$12.83
$667
$26,680
1.7
$45,400
$1,135
$13,620
$341
1,067
25%
$6.87
$357
1.9
Socorro County
$12.25
$637
$25,480
1.6
$45,300
$1,133
$13,590
$340
1,417
26%
$7.91
$411
1.5
Taos County
$17.35
$902
$36,080
2.3
$47,200
$1,180
$14,160
$354
3,618
27%
$9.11
$474
1.9
Torrance County
$15.42
$802
$32,080
2.1
$57,800
$1,445
$17,340
$434
1,012
18%
$10.45
$543
1.5
Union County
$12.83
$667
$26,680
1.7
$48,000
$1,200
$14,400
$360
548
33%
$10.96
$570
1.2
Valencia County
$15.42
$802
$32,080
2.1
$57,800
$1,445
$17,340
$434
5,518
20%
$7.42
$386
2.1
1.2
1: BR = Bedroom
146
New York
In New York, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,293. In order to afford this level of rent
Wage of:
$24.87
In New York, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a two-bedroom
In New York, the estimated mean (average) wage for a renter is $21.81. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 46 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$159
$1,293
Two-Bedroom FMR
$1,803

$1,134

$541
$752
Minimum Wage Earner
$877
$416
Minimum Wage Earner

(SSI) Recipient
$242
$0
$500
SSI Recipient
$1,000
$1,500
$1,051
$2,000
147
New York
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
New York
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$24.87
$1,293
$51,731
3.1
$72,134
$1,803
$21,640
$541
3,290,208
46%
$21.81
$1,134
1.1
$14.69
$764
$30,561
1.8
$57,856
$1,446
$17,357
$434
180,403
29%
$9.79
$509
1.5
Albany-Schenectady-Troy MSA
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
116,769
34%
$12.87
$669
1.4
Binghamton MSA
$13.31
$692
$27,680
1.7
$62,900
$1,573
$18,870
$472
31,084
31%
$10.04
$522
1.3
Buffalo-Niagara Falls MSA
$13.65
$710
$28,400
1.7
$63,900
$1,598
$19,170
$479
156,647
33%
$10.22
$532
1.3
Elmira MSA
$15.13
$787
$31,480
1.9
$63,400
$1,585
$19,020
$476
11,388
32%
$9.71
$505
1.6
Glens Falls MSA
$19.52
$1,015
$40,600
2.4
$62,900
$1,573
$18,870
$472
15,028
28%
$10.46
$544
1.9
Ithaca MSA
$21.73
$1,130
$45,200
2.7
$78,800
$1,970
$23,640
$591
17,114
44%
$12.69
$660
1.7
Metropolitan Areas
Kingston MSA
$20.42
$1,062
$42,480
2.6
$71,300
$1,783
$21,390
$535
21,504
31%
$9.20
$478
2.2
Nassau-Suffolk HMFA
$31.02
$1,613
$64,520
3.9
$105,100
$2,628
$31,530
$788
181,239
19%
$13.54
$704
2.3
New York HMFA
$27.69
$1,440
$57,600
3.5
$63,497
$1,587
$19,049
$476
2,108,127
66%
$32.62
$1,696
0.8
Poughkeepsie-Newburgh-Middletown MSA
$24.19
$1,258
$50,320
3.0
$83,100
$2,078
$24,930
$623
70,573
30%
$10.98
$571
2.2
Rochester MSA
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
130,095
31%
$10.85
$564
1.5
Syracuse MSA
$15.40
$801
$32,040
1.9
$67,700
$1,693
$20,310
$508
82,392
32%
$10.88
$566
1.4
Utica-Rome MSA
$14.98
$779
$31,160
1.9
$59,500
$1,488
$17,850
$446
37,067
31%
$8.93
$464
1.7
Westchester County
$27.87
$1,449
$57,960
3.5
$103,700
$2,593
$31,110
$778
130,778
38%
$17.29
$899
1.6
Albany County
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
48,933
40%
$13.37
$695
Allegany County
$12.25
$637
$25,480
1.5
$52,600
$1,315
$15,780
$395
4,884
26%
$8.62
$448
1.4
Bronx County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
379,151
80%
$17.60
$915
1.6
Broome County
$13.31
$692
$27,680
1.7
$62,900
$1,573
$18,870
$472
27,000
34%
$9.78
$508
1.4
Cattaraugus County
$12.73
$662
$26,480
1.6
$49,800
$1,245
$14,940
$374
8,899
27%
$9.80
$510
1.3
Cayuga County
$14.35
$746
$29,840
1.8
$62,600
$1,565
$18,780
$470
8,868
28%
$8.71
$453
1.6
Chautauqua County
$12.25
$637
$25,480
1.5
$50,900
$1,273
$15,270
$382
16,819
31%
$8.28
$430
1.5
Chemung County
$15.13
$787
$31,480
1.9
$63,400
$1,585
$19,020
$476
11,388
32%
$9.71
$505
1.6
Chenango County
$12.25
$637
$25,480
1.5
$56,200
$1,405
$16,860
$422
4,748
24%
$10.21
$531
1.2
Clinton County
$15.65
$814
$32,560
2.0
$66,000
$1,650
$19,800
$495
10,258
32%
$8.90
$463
1.8
Columbia County
$17.23
$896
$35,840
2.2
$74,000
$1,850
$22,200
$555
6,895
27%
$10.67
$555
1.6
Counties
1.3
1: BR = Bedroom
148
New York
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Cortland County
$14.40
$749
$29,960
1.8
$60,100
$1,503
$18,030
$451
6,003
34%
$9.62
$500
1.5
Delaware County
$12.83
$667
$26,680
1.6
$57,500
$1,438
$17,250
$431
5,044
25%
$11.74
$610
1.1
Dutchess County
$24.19
$1,258
$50,320
3.0
$83,100
$2,078
$24,930
$623
32,674
30%
$12.63
$657
1.9
Erie County
$13.65
$710
$28,400
1.7
$63,900
$1,598
$19,170
$479
130,158
34%
$10.48
$545
1.3
Essex County
$15.71
$817
$32,680
2.0
$59,500
$1,488
$17,850
$446
4,427
27%
$9.72
$505
1.6
Franklin County
$13.77
$716
$28,640
1.7
$54,600
$1,365
$16,380
$410
5,305
28%
$8.09
$421
1.7
Fulton County
$13.62
$708
$28,320
1.7
$55,500
$1,388
$16,650
$416
6,846
30%
$9.71
$505
1.4
Genesee County
$14.71
$765
$30,600
1.8
$65,300
$1,633
$19,590
$490
6,346
26%
$9.00
$468
1.6
Greene County
$15.02
$781
$31,240
1.9
$58,400
$1,460
$17,520
$438
5,015
27%
$10.03
$521
1.5
Hamilton County
$12.50
$650
$26,000
1.6
$64,100
$1,603
$19,230
$481
374
18%
$7.59
$395
1.6
Herkimer County
$14.98
$779
$31,160
1.9
$59,500
$1,488
$17,850
$446
7,785
29%
$8.80
$457
1.7
Jefferson County
$19.46
$1,012
$40,480
2.4
$54,000
$1,350
$16,200
$405
19,338
43%
$11.49
$597
1.7
Kings County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
640,513
70%
$14.98
$779
1.8
Lewis County
$12.79
$665
$26,600
1.6
$55,900
$1,398
$16,770
$419
2,373
22%
$9.00
$468
1.4
Livingston County
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
6,002
25%
$7.44
$387
2.2
Madison County
$15.40
$801
$32,040
1.9
$67,700
$1,693
$20,310
$508
6,400
24%
$10.72
$557
1.4
Monroe County
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
100,937
34%
$11.33
$589
1.4
Montgomery County
$14.23
$740
$29,600
1.8
$57,000
$1,425
$17,100
$428
6,400
32%
$9.56
$497
1.5
Nassau County
$31.02
$1,613
$64,520
3.9
$105,100
$2,628
$31,530
$788
82,654
19%
$13.04
$678
2.4
New York County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
571,648
77%
$44.81
$2,330
0.6
Niagara County
$13.65
$710
$28,400
1.7
$63,900
$1,598
$19,170
$479
26,489
30%
$8.49
$441
1.6
Oneida County
$14.98
$779
$31,160
1.9
$59,500
$1,488
$17,850
$446
29,282
32%
$8.95
$465
1.7
Onondaga County
$15.40
$801
$32,040
1.9
$67,700
$1,693
$20,310
$508
63,518
34%
$11.02
$573
1.4
Ontario County
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
11,285
26%
$9.74
$507
1.6
Orange County
$24.19
$1,258
$50,320
3.0
$83,100
$2,078
$24,930
$623
37,899
30%
$9.58
$498
2.5
Orleans County
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
3,512
22%
$7.95
$413
2.0
Oswego County
$15.40
$801
$32,040
1.9
$67,700
$1,693
$20,310
$508
12,474
27%
$9.76
$507
1.6
Otsego County
$16.23
$844
$33,760
2.0
$60,600
$1,515
$18,180
$455
6,748
27%
$9.72
$506
1.7
Putnam County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
5,866
17%
$9.10
$473
3.0
Queens County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
430,896
56%
$16.97
$882
1.6
Rensselaer County
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
21,869
34%
$11.16
$581
1.6
1: BR = Bedroom
149
New York
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Richmond County
$27.69
$1,440
$57,600
3.5
$62,500
$1,563
$18,750
$469
50,576
31%
$9.96
$518
2.8
Rockland County
$27.69
$1,440
$57,600
3.5
$94,900
$2,373
$28,470
$712
29,477
30%
$12.25
$637
2.3
Saratoga County
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
23,848
27%
$13.02
$677
1.4
Schenectady County
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
19,229
33%
$13.21
$687
1.4
Schoharie County
$17.87
$929
$37,160
2.2
$78,300
$1,958
$23,490
$587
2,890
23%
$6.15
$320
2.9
Schuyler County
$12.37
$643
$25,720
1.5
$57,300
$1,433
$17,190
$430
1,427
19%
$8.80
$458
1.4
Seneca County
$13.65
$710
$28,400
1.7
$57,700
$1,443
$17,310
$433
3,354
25%
$9.87
$513
1.4
St. Lawrence County
$13.92
$724
$28,960
1.7
$54,000
$1,350
$16,200
$405
12,395
29%
$9.09
$473
1.5
Steuben County
$13.02
$677
$27,080
1.6
$54,500
$1,363
$16,350
$409
11,738
28%
$14.55
$757
0.9
Suffolk County
$31.02
$1,613
$64,520
3.9
$105,100
$2,628
$31,530
$788
98,585
20%
$14.04
$730
2.2
Sullivan County
$17.44
$907
$36,280
2.2
$63,200
$1,580
$18,960
$474
9,943
34%
$9.21
$479
1.9
Tioga County
$13.31
$692
$27,680
1.7
$62,900
$1,573
$18,870
$472
4,084
20%
$11.79
$613
1.1
Tompkins County
$21.73
$1,130
$45,200
2.7
$78,800
$1,970
$23,640
$591
17,114
44%
$12.69
$660
1.7
Ulster County
$20.42
$1,062
$42,480
2.6
$71,300
$1,783
$21,390
$535
21,504
31%
$9.20
$478
2.2
Warren County
$19.52
$1,015
$40,600
2.4
$62,900
$1,573
$18,870
$472
8,774
31%
$10.58
$550
1.8
Washington County
$19.52
$1,015
$40,600
2.4
$62,900
$1,573
$18,870
$472
6,254
25%
$10.04
$522
1.9
Wayne County
$16.04
$834
$33,360
2.0
$67,000
$1,675
$20,100
$503
8,359
23%
$8.98
$467
1.8
Westchester County
$27.87
$1,449
$57,960
3.5
$103,700
$2,593
$31,110
$778
130,778
38%
$17.29
$899
1.6
Wyoming County
$13.02
$677
$27,080
1.6
$62,600
$1,565
$18,780
$470
3,843
25%
$7.99
$416
1.6
Yates County
$12.67
$659
$26,360
1.6
$60,900
$1,523
$18,270
$457
2,113
22%
$6.85
$356
1.9
1: BR = Bedroom
150
North Carolina
In North Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is $747. In order to afford this level of
Wage of:
$14.37
In North Carolina, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 79 hours per week, 52 weeks per year. Or a household must
affordable.
In North Carolina, the estimated mean (average) wage for a renter is $12.42. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 46 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$101
$747
Two-Bedroom FMR
$1,444

$646

$433
$314
Minimum Wage Earner
$370
SSI Recipient
$531
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
151
North Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
North Carolina
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.37
$747
$29,897
2.0
$57,753
$1,444
$17,326
$433
1,215,861
33%
$12.42
$646
1.2
$13.10
$681
$27,244
1.8
$50,769
$1,269
$15,231
$381
324,527
30%
$9.55
$497
1.4
Anson County HMFA
$12.25
$637
$25,480
1.7
$41,600
$1,040
$12,480
$312
3,060
32%
$10.04
$522
1.2
Asheville HMFA
$13.83
$719
$28,760
1.9
$56,000
$1,400
$16,800
$420
48,025
31%
$11.02
$573
1.3
Burlington MSA
$13.15
$684
$27,360
1.8
$53,900
$1,348
$16,170
$404
19,623
33%
$10.72
$558
1.2
Charlotte-Gastonia-Concord HMFA
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
196,220
34%
$15.88
$826
1.0
Durham-Chapel Hill HMFA
$16.21
$843
$33,720
2.2
$65,700
$1,643
$19,710
$493
74,562
40%
$17.75
$923
0.9
Fayetteville HMFA
$15.69
$816
$32,640
2.2
$52,800
$1,320
$15,840
$396
52,224
44%
$12.12
$630
1.3
Goldsboro MSA
$13.29
$691
$27,640
1.8
$49,800
$1,245
$14,940
$374
18,213
38%
$10.33
$537
1.3
Greene County HMFA
$12.25
$637
$25,480
1.7
$52,900
$1,323
$15,870
$397
2,180
31%
$8.26
$429
1.5
Greensboro-High Point HMFA
$13.63
$709
$28,360
1.9
$55,100
$1,378
$16,530
$413
87,281
35%
$12.08
$628
1.1
Greenville HMFA
$13.19
$686
$27,440
1.8
$55,200
$1,380
$16,560
$414
29,424
45%
$9.91
$515
1.3
Haywood County HMFA
$12.87
$669
$26,760
1.8
$54,500
$1,363
$16,350
$409
6,744
25%
$11.03
$574
1.2
Hickory-Lenoir-Morganton MSA
$12.25
$637
$25,480
1.7
$48,800
$1,220
$14,640
$366
38,188
28%
$10.12
$526
1.2
Hoke County HMFA
$12.75
$663
$26,520
1.8
$54,300
$1,358
$16,290
$407
4,677
30%
$7.29
$379
1.8
Jacksonville MSA
$14.56
$757
$30,280
2.0
$53,200
$1,330
$15,960
$399
25,684
43%
$10.26
$534
1.4
Pender County HMFA
$12.67
$659
$26,360
1.7
$56,700
$1,418
$17,010
$425
4,419
22%
$9.20
$478
1.4
Person County HMFA
$12.98
$675
$27,000
1.8
$54,600
$1,365
$16,380
$410
4,160
27%
$8.22
$427
1.6
Raleigh-Cary MSA
$16.46
$856
$34,240
2.3
$75,800
$1,895
$22,740
$569
138,888
33%
$12.73
$662
1.3
Rockingham County HMFA
$12.25
$637
$25,480
1.7
$46,100
$1,153
$13,830
$346
10,540
28%
$10.24
$533
1.2
Rocky Mount MSA
$12.94
$673
$26,920
1.8
$49,600
$1,240
$14,880
$372
21,397
36%
$10.42
$542
1.2
Virginia Beach-Norfolk-Newport News MSA *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
1,808
20%
$7.84
$408
2.8
Wilmington HMFA
$15.73
$818
$32,720
2.2
$58,700
$1,468
$17,610
$440
44,569
34%
$10.92
$568
1.4
Winston-Salem MSA
$13.33
$693
$27,720
1.8
$56,000
$1,400
$16,800
$420
59,448
31%
$11.95
$621
1.1
Alamance County
$13.15
$684
$27,360
1.8
$53,900
$1,348
$16,170
$404
19,623
33%
$10.72
$558
1.2
Alexander County
$12.25
$637
$25,480
1.7
$48,800
$1,220
$14,640
$366
3,105
23%
$7.53
$392
1.6
Alleghany County
$12.25
$637
$25,480
1.7
$41,700
$1,043
$12,510
$313
1,247
26%
$6.86
$357
1.8
Metropolitan Areas
Counties
1: BR = Bedroom
152
North Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Anson County
$12.25
$637
$25,480
1.7
$41,600
$1,040
$12,480
$312
3,060
32%
$10.04
$522
1.2
Ashe County
$12.25
$637
$25,480
1.7
$49,600
$1,240
$14,880
$372
2,630
22%
$8.62
$448
1.4
Avery County
$13.52
$703
$28,120
1.9
$50,100
$1,253
$15,030
$376
1,973
27%
$9.55
$497
1.4
Beaufort County
$12.25
$637
$25,480
1.7
$53,300
$1,333
$15,990
$400
5,798
29%
$7.89
$410
1.6
Bertie County
$12.25
$637
$25,480
1.7
$42,700
$1,068
$12,810
$320
1,951
25%
$6.62
$344
1.9
Bladen County
$12.25
$637
$25,480
1.7
$43,800
$1,095
$13,140
$329
4,485
32%
$9.16
$476
1.3
Brunswick County
$15.73
$818
$32,720
2.2
$58,700
$1,468
$17,610
$440
10,520
22%
$9.59
$498
1.6
Buncombe County
$13.83
$719
$28,760
1.9
$56,000
$1,400
$16,800
$420
35,159
35%
$11.26
$586
1.2
Burke County
$12.25
$637
$25,480
1.7
$48,800
$1,220
$14,640
$366
9,456
27%
$9.19
$478
1.3
Cabarrus County
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
16,963
26%
$9.59
$499
1.6
Caldwell County
$12.25
$637
$25,480
1.7
$48,800
$1,220
$14,640
$366
8,767
28%
$8.37
$435
1.5
Camden County
$15.52
$807
$32,280
2.1
$78,000
$1,950
$23,400
$585
495
14%
$15.95
$829
1.0
Carteret County
$13.29
$691
$27,640
1.8
$58,200
$1,455
$17,460
$437
8,264
29%
$8.34
$434
1.6
Caswell County
$12.25
$637
$25,480
1.7
$48,300
$1,208
$14,490
$362
2,267
26%
$6.34
$330
1.9
Catawba County
$12.25
$637
$25,480
1.7
$48,800
$1,220
$14,640
$366
16,860
29%
$11.15
$580
1.1
Chatham County
$16.21
$843
$33,720
2.2
$65,700
$1,643
$19,710
$493
5,047
20%
$8.53
$444
1.9
Cherokee County
$12.25
$637
$25,480
1.7
$46,700
$1,168
$14,010
$350
2,070
18%
$9.74
$506
1.3
Chowan County
$12.25
$637
$25,480
1.7
$44,800
$1,120
$13,440
$336
1,964
33%
$8.02
$417
1.5
Clay County
$12.25
$637
$25,480
1.7
$44,800
$1,120
$13,440
$336
824
19%
$7.70
$400
1.6
Cleveland County
$12.38
$644
$25,760
1.7
$48,600
$1,215
$14,580
$365
12,422
33%
$9.80
$509
1.3
Columbus County
$12.25
$637
$25,480
1.7
$47,600
$1,190
$14,280
$357
6,135
28%
$8.02
$417
1.5
Craven County
$15.19
$790
$31,600
2.1
$63,000
$1,575
$18,900
$473
14,762
37%
$11.55
$601
1.3
Cumberland County
$15.69
$816
$32,640
2.2
$52,800
$1,320
$15,840
$396
52,224
44%
$12.12
$630
1.3
Currituck County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
1,808
20%
$7.84
$408
2.8
Dare County
$17.96
$934
$37,360
2.5
$69,300
$1,733
$20,790
$520
4,204
28%
$8.78
$456
2.0
Davidson County
$12.25
$637
$25,480
1.7
$52,600
$1,315
$15,780
$395
17,697
27%
$9.77
$508
1.3
Davie County
$13.33
$693
$27,720
1.8
$56,000
$1,400
$16,800
$420
2,937
18%
$8.56
$445
1.6
Duplin County
$12.25
$637
$25,480
1.7
$43,200
$1,080
$12,960
$324
6,825
31%
$9.81
$510
1.2
Durham County
$16.21
$843
$33,720
2.2
$65,700
$1,643
$19,710
$493
49,056
45%
$19.68
$1,023
0.8
Edgecombe County
$12.94
$673
$26,920
1.8
$49,600
$1,240
$14,880
$372
7,734
36%
$10.81
$562
1.2
Forsyth County
$13.33
$693
$27,720
1.8
$56,000
$1,400
$16,800
$420
49,131
35%
$12.52
$651
1.1
1: BR = Bedroom
153
North Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Franklin County
$16.46
$856
$34,240
2.3
$75,800
$1,895
$22,740
$569
5,326
23%
$10.22
$531
1.6
Gaston County
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
25,318
32%
$10.28
$535
1.5
Gates County
$12.25
$637
$25,480
1.7
$58,600
$1,465
$17,580
$440
842
19%
$7.18
$373
1.7
Graham County
$12.25
$637
$25,480
1.7
$40,300
$1,008
$12,090
$302
572
17%
$8.00
$416
1.5
Granville County
$14.08
$732
$29,280
1.9
$59,700
$1,493
$17,910
$448
4,773
24%
$10.10
$525
1.4
Greene County
$12.25
$637
$25,480
1.7
$52,900
$1,323
$15,870
$397
2,180
31%
$8.26
$429
1.5
Guilford County
$13.63
$709
$28,360
1.9
$55,100
$1,378
$16,530
$413
72,709
38%
$12.44
$647
1.1
Halifax County
$12.25
$637
$25,480
1.7
$42,800
$1,070
$12,840
$321
8,040
37%
$8.40
$437
1.5
Harnett County
$13.63
$709
$28,360
1.9
$51,100
$1,278
$15,330
$383
12,613
31%
$8.73
$454
1.6
Haywood County
$12.87
$669
$26,760
1.8
$54,500
$1,363
$16,350
$409
6,744
25%
$11.03
$574
1.2
Henderson County
$13.83
$719
$28,760
1.9
$56,000
$1,400
$16,800
$420
10,848
24%
$10.46
$544
1.3
Hertford County
$12.25
$637
$25,480
1.7
$42,100
$1,053
$12,630
$316
3,132
35%
$9.35
$486
1.3
Hoke County
$12.75
$663
$26,520
1.8
$54,300
$1,358
$16,290
$407
4,677
30%
$7.29
$379
1.8
Hyde County
$15.37
$799
$31,960
2.1
$43,800
$1,095
$13,140
$329
528
27%
$7.92
$412
1.9
Iredell County
$14.88
$774
$30,960
2.1
$61,000
$1,525
$18,300
$458
15,530
26%
$11.75
$611
1.3
Jackson County
$13.00
$676
$27,040
1.8
$51,800
$1,295
$15,540
$389
4,898
32%
$7.48
$389
1.7
Johnston County
$16.46
$856
$34,240
2.3
$75,800
$1,895
$22,740
$569
16,984
28%
$8.55
$445
1.9
Jones County
$13.15
$684
$27,360
1.8
$51,300
$1,283
$15,390
$385
1,240
30%
$9.92
$516
1.3
Lee County
$14.06
$731
$29,240
1.9
$55,600
$1,390
$16,680
$417
6,607
31%
$11.69
$608
1.2
Lenoir County
$12.50
$650
$26,000
1.7
$45,100
$1,128
$13,530
$338
9,392
39%
$9.51
$495
1.3
Lincoln County
$12.25
$637
$25,480
1.7
$64,800
$1,620
$19,440
$486
7,128
24%
$8.94
$465
1.4
Macon County
$13.71
$713
$28,520
1.9
$50,800
$1,270
$15,240
$381
4,085
26%
$9.29
$483
1.5
Madison County
$13.83
$719
$28,760
1.9
$56,000
$1,400
$16,800
$420
2,018
25%
$8.11
$422
1.7
Martin County
$12.25
$637
$25,480
1.7
$47,300
$1,183
$14,190
$355
2,928
31%
$8.92
$464
1.4
McDowell County
$12.25
$637
$25,480
1.7
$48,100
$1,203
$14,430
$361
4,768
28%
$8.51
$443
1.4
Mecklenburg County
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
141,992
39%
$17.76
$923
0.9
Mitchell County
$12.25
$637
$25,480
1.7
$45,400
$1,135
$13,620
$341
1,545
24%
$7.66
$398
1.6
Montgomery County
$12.25
$637
$25,480
1.7
$44,400
$1,110
$13,320
$333
2,665
26%
$9.28
$482
1.3
Moore County
$12.31
$640
$25,600
1.7
$60,100
$1,503
$18,030
$451
9,353
26%
$9.53
$496
1.3
Nash County
$12.94
$673
$26,920
1.8
$49,600
$1,240
$14,880
$372
13,663
36%
$10.27
$534
1.3
New Hanover County
$15.73
$818
$32,720
2.2
$58,700
$1,468
$17,610
$440
34,049
40%
$11.30
$588
1.4
1: BR = Bedroom
154
North Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Northampton County
$12.25
$637
$25,480
1.7
$40,300
$1,008
$12,090
$302
2,357
28%
$9.23
$480
1.3
Onslow County
$14.56
$757
$30,280
2.0
$53,200
$1,330
$15,960
$399
25,684
43%
$10.26
$534
1.4
Orange County
$16.21
$843
$33,720
2.2
$65,700
$1,643
$19,710
$493
20,459
40%
$10.68
$555
1.5
Pamlico County
$12.25
$637
$25,480
1.7
$56,500
$1,413
$16,950
$424
981
19%
$8.72
$453
1.4
Pasquotank County
$14.25
$741
$29,640
2.0
$59,300
$1,483
$17,790
$445
5,095
35%
$8.84
$460
1.6
Pender County
$12.67
$659
$26,360
1.7
$56,700
$1,418
$17,010
$425
4,419
22%
$9.20
$478
1.4
Perquimans County
$14.29
$743
$29,720
2.0
$51,300
$1,283
$15,390
$385
1,150
21%
$5.35
$278
2.7
Person County
$12.98
$675
$27,000
1.8
$54,600
$1,365
$16,380
$410
4,160
27%
$8.22
$427
1.6
Pitt County
$13.19
$686
$27,440
1.8
$55,200
$1,380
$16,560
$414
29,424
45%
$9.91
$515
1.3
Polk County
$12.35
$642
$25,680
1.7
$55,900
$1,398
$16,770
$419
2,210
25%
$9.91
$515
1.2
Randolph County
$13.63
$709
$28,360
1.9
$55,100
$1,378
$16,530
$413
14,572
26%
$9.97
$518
1.4
Richmond County
$12.25
$637
$25,480
1.7
$42,300
$1,058
$12,690
$317
5,791
32%
$8.21
$427
1.5
Robeson County
$12.25
$637
$25,480
1.7
$37,100
$928
$11,130
$278
15,271
34%
$8.34
$434
1.5
Rockingham County
$12.25
$637
$25,480
1.7
$46,100
$1,153
$13,830
$346
10,540
28%
$10.24
$533
1.2
Rowan County
$12.79
$665
$26,600
1.8
$48,500
$1,213
$14,550
$364
16,239
31%
$11.74
$611
1.1
Rutherford County
$12.25
$637
$25,480
1.7
$45,700
$1,143
$13,710
$343
7,541
28%
$8.72
$454
1.4
Sampson County
$12.25
$637
$25,480
1.7
$46,800
$1,170
$14,040
$351
7,382
31%
$9.26
$481
1.3
Scotland County
$12.35
$642
$25,680
1.7
$39,200
$980
$11,760
$294
4,581
35%
$7.92
$412
1.6
Stanly County
$12.25
$637
$25,480
1.7
$59,400
$1,485
$17,820
$446
5,982
26%
$8.47
$440
1.4
Stokes County
$13.33
$693
$27,720
1.8
$56,000
$1,400
$16,800
$420
4,133
21%
$7.46
$388
1.8
Surry County
$12.25
$637
$25,480
1.7
$42,800
$1,070
$12,840
$321
8,110
27%
$8.72
$454
1.4
Swain County
$14.00
$728
$29,120
1.9
$52,900
$1,323
$15,870
$397
1,201
22%
$6.37
$331
2.2
Transylvania County
$12.44
$647
$25,880
1.7
$55,600
$1,390
$16,680
$417
3,129
23%
$8.67
$451
1.4
Tyrrell County
$12.25
$637
$25,480
1.7
$47,000
$1,175
$14,100
$353
358
21%
$7.30
$379
1.7
Union County
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
11,947
18%
$8.72
$454
1.8
Vance County
$12.73
$662
$26,480
1.8
$43,300
$1,083
$12,990
$325
5,943
37%
$9.00
$468
1.4
Wake County
$16.46
$856
$34,240
2.3
$75,800
$1,895
$22,740
$569
116,578
34%
$13.16
$684
1.3
Warren County
$12.25
$637
$25,480
1.7
$44,900
$1,123
$13,470
$337
2,205
29%
$7.02
$365
1.7
Washington County
$12.25
$637
$25,480
1.7
$49,900
$1,248
$14,970
$374
1,332
26%
$5.79
$301
2.1
Watauga County
$15.52
$807
$32,280
2.1
$62,200
$1,555
$18,660
$467
9,417
45%
$6.63
$345
2.3
Wayne County
$13.29
$691
$27,640
1.8
$49,800
$1,245
$14,940
$374
18,213
38%
$10.33
$537
1.3
1: BR = Bedroom
155
North Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Wilkes County
$12.25
$637
$25,480
1.7
$37,600
$940
$11,280
$282
7,267
26%
$9.44
$491
1.3
Wilson County
$15.44
$803
$32,120
2.1
$43,100
$1,078
$12,930
$323
12,771
40%
$12.57
$654
1.2
Yadkin County
$13.33
$693
$27,720
1.8
$56,000
$1,400
$16,800
$420
3,247
22%
$7.20
$375
1.8
Yancey County
$12.25
$637
$25,480
1.7
$48,500
$1,213
$14,550
$364
1,562
22%
$8.51
$443
1.4
1: BR = Bedroom
156
North Dakota
In North Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is $738. In order to afford this level of
Wage of:
$14.19
In North Dakota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 78 hours per week, 52 weeks per year. Or a household must
affordable.
In North Dakota, the estimated mean (average) wage for a renter is $13.32. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 43 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$46
$738
Two-Bedroom FMR
$1,719

$692
$516
$222
Minimum Wage Earner
$361
SSI Recipient
$522
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
157
North Dakota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
North Dakota
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.19
$738
$29,521
2.0
$68,741
$1,719
$20,622
$516
95,100
34%
$13.32
$692
1.1
$15.23
$792
$31,681
2.1
$64,592
$1,615
$19,378
$484
40,536
28%
$15.27
$794
1.0
Bismarck MSA
$13.54
$704
$28,160
1.9
$76,700
$1,918
$23,010
$575
12,068
27%
$10.80
$561
1.3
Fargo MSA
$13.15
$684
$27,360
1.8
$72,100
$1,803
$21,630
$541
29,856
46%
$12.54
$652
1.0
Grand Forks MSA
$13.94
$725
$29,000
1.9
$69,800
$1,745
$20,940
$524
12,640
47%
$9.70
$504
1.4
Adams County
$12.25
$637
$25,480
1.7
$54,800
$1,370
$16,440
$411
311
28%
$10.89
Barnes County
$12.85
$668
$26,720
1.8
$66,200
$1,655
$19,860
$497
1,473
30%
$8.62
$448
1.5
Benson County
$12.25
$637
$25,480
1.7
$39,900
$998
$11,970
$299
803
35%
$13.56
$705
0.9
Billings County
$12.40
$645
$25,800
1.7
$71,200
$1,780
$21,360
$534
72
21%
$17.23
$896
0.7
Bottineau County
$12.25
$637
$25,480
1.7
$66,300
$1,658
$19,890
$497
615
21%
$11.01
$573
1.1
Bowman County
$12.25
$637
$25,480
1.7
$72,600
$1,815
$21,780
$545
297
22%
$16.98
$883
0.7
Burke County
$12.25
$637
$25,480
1.7
$72,000
$1,800
$21,600
$540
272
27%
$13.27
$690
0.9
Burleigh County
$13.54
$704
$28,160
1.9
$76,700
$1,918
$23,010
$575
9,664
29%
$11.02
$573
1.2
Cass County
$13.15
$684
$27,360
1.8
$72,100
$1,803
$21,630
$541
29,856
46%
$12.54
$652
1.0
Cavalier County
$12.25
$637
$25,480
1.7
$63,400
$1,585
$19,020
$476
229
13%
$14.84
$772
0.8
Dickey County
$12.25
$637
$25,480
1.7
$61,400
$1,535
$18,420
$461
574
26%
$7.90
$411
1.6
Divide County
$12.25
$637
$25,480
1.7
$67,700
$1,693
$20,310
$508
175
17%
$14.77
$768
0.8
Dunn County
$12.25
$637
$25,480
1.7
$73,500
$1,838
$22,050
$551
253
17%
$30.72
$1,597
0.4
Eddy County
$12.25
$637
$25,480
1.7
$53,500
$1,338
$16,050
$401
255
24%
$8.92
$464
1.4
Emmons County
$12.25
$637
$25,480
1.7
$47,200
$1,180
$14,160
$354
328
20%
$9.66
$503
1.3
Foster County
$12.25
$637
$25,480
1.7
$68,000
$1,700
$20,400
$510
383
25%
$6.56
$341
1.9
Golden Valley County
$12.25
$637
$25,480
1.7
$62,800
$1,570
$18,840
$471
194
26%
$9.14
$475
1.3
Grand Forks County
$13.94
$725
$29,000
1.9
$69,800
$1,745
$20,940
$524
12,640
47%
$9.70
$504
1.4
Grant County
$12.25
$637
$25,480
1.7
$58,600
$1,465
$17,580
$440
272
25%
$11.93
$620
1.0
Griggs County
$12.25
$637
$25,480
1.7
$58,000
$1,450
$17,400
$435
255
23%
$10.82
$562
1.1
Hettinger County
$12.25
$637
$25,480
1.7
$51,900
$1,298
$15,570
$389
195
18%
$12.77
$664
1.0
Kidder County
$12.25
$637
$25,480
1.7
$52,800
$1,320
$15,840
$396
250
22%
$11.34
$590
1.1
Metropolitan Areas
Counties
$566
1.1
1: BR = Bedroom
158
North Dakota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
LaMoure County
$12.25
$637
$25,480
1.7
$65,200
$1,630
$19,560
$489
347
18%
$10.51
$547
Logan County
$12.25
$637
$25,480
1.7
$56,600
$1,415
$16,980
$425
145
17%
$9.28
$483
1.2
1.3
McHenry County
$12.25
$637
$25,480
1.7
$59,400
$1,485
$17,820
$446
584
23%
$10.49
$545
1.2
McIntosh County
$14.98
$779
$31,160
2.1
$51,900
$1,298
$15,570
$389
198
15%
$12.27
$638
1.2
McKenzie County
$12.25
$637
$25,480
1.7
$65,400
$1,635
$19,620
$491
794
30%
$21.20
$1,102
0.6
McLean County
$12.25
$637
$25,480
1.7
$66,800
$1,670
$20,040
$501
925
23%
$13.70
$712
0.9
Mercer County
$12.25
$637
$25,480
1.7
$77,000
$1,925
$23,100
$578
724
20%
$14.79
$769
0.8
Morton County
$13.54
$704
$28,160
1.9
$76,700
$1,918
$23,010
$575
2,404
22%
$9.63
$501
1.4
1.2
Mountrail County
$20.56
$1,069
$42,760
2.8
$69,600
$1,740
$20,880
$522
841
28%
$17.20
$895
Nelson County
$12.25
$637
$25,480
1.7
$64,100
$1,603
$19,230
$481
267
18%
$7.75
$403
1.6
Oliver County
$12.25
$637
$25,480
1.7
$77,000
$1,925
$23,100
$578
111
15%
$28.21
$1,467
0.4
Pembina County
$12.25
$637
$25,480
1.7
$66,700
$1,668
$20,010
$500
721
22%
$11.62
$604
1.1
Pierce County
$12.25
$637
$25,480
1.7
$63,300
$1,583
$18,990
$475
528
28%
$7.88
$410
1.6
Ramsey County
$12.58
$654
$26,160
1.7
$62,300
$1,558
$18,690
$467
1,731
35%
$9.86
$513
1.3
Ransom County
$13.19
$686
$27,440
1.8
$66,800
$1,670
$20,040
$501
669
29%
$9.00
$468
1.5
Renville County
$12.25
$637
$25,480
1.7
$66,300
$1,658
$19,890
$497
219
21%
$16.99
$883
0.7
Richland County
$12.25
$637
$25,480
1.7
$70,700
$1,768
$21,210
$530
1,786
28%
$8.92
$464
1.4
Rolette County
$12.25
$637
$25,480
1.7
$35,200
$880
$10,560
$264
1,349
28%
$5.92
$308
2.1
Sargent County
$12.25
$637
$25,480
1.7
$67,600
$1,690
$20,280
$507
413
23%
$9.39
$488
1.3
Sheridan County
$12.25
$637
$25,480
1.7
$42,500
$1,063
$12,750
$319
81
13%
$6.32
$329
1.9
Sioux County
$12.25
$637
$25,480
1.7
$34,900
$873
$10,470
$262
595
56%
$9.54
$496
1.3
Slope County
$12.40
$645
$25,800
1.7
$72,600
$1,815
$21,780
$545
32
11%
$21.93
$1,140
0.6
Stark County
$14.27
$742
$29,680
2.0
$70,300
$1,758
$21,090
$527
2,890
29%
$15.66
$814
0.9
Steele County
$12.25
$637
$25,480
1.7
$64,100
$1,603
$19,230
$481
193
22%
$10.96
$570
1.1
Stutsman County
$12.83
$667
$26,680
1.8
$64,500
$1,613
$19,350
$484
2,767
32%
$10.23
$532
1.3
Towner County
$12.25
$637
$25,480
1.7
$62,100
$1,553
$18,630
$466
181
18%
$7.19
$374
1.7
Traill County
$12.44
$647
$25,880
1.7
$65,800
$1,645
$19,740
$494
910
27%
$13.06
$679
1.0
Walsh County
$12.25
$637
$25,480
1.7
$62,600
$1,565
$18,780
$470
1,215
25%
$9.24
$481
1.3
Ward County
$21.46
$1,116
$44,640
3.0
$65,700
$1,643
$19,710
$493
8,756
35%
$13.63
$709
1.6
Wells County
$12.25
$637
$25,480
1.7
$55,400
$1,385
$16,620
$416
488
25%
$8.91
$464
1.4
Williams County
$20.25
$1,053
$42,120
2.8
$79,000
$1,975
$23,700
$593
2,870
29%
$23.69
$1,232
0.9
1: BR = Bedroom
159
Ohio
In Ohio, the Fair Market Rent (FMR) for a two-bedroom apartment is $720. In order to afford this level of rent and
$13.84
In Ohio, a minimum wage worker earns an hourly wage of $7.95. In order to afford the FMR for a two-bedroom
In Ohio, the estimated mean (average) wage for a renter is $11.56. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$119
$720
Two-Bedroom FMR
$1,535

$601
$461
$259
Minimum Wage Earner
$307
SSI Recipient
$504
$413
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
160
Ohio
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Ohio
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.84
$720
$28,796
1.7
$61,413
$1,535
$18,424
$461
1,457,426
32%
$11.56
$601
1.2
$12.19
$634
$25,355
1.5
$54,679
$1,367
$16,404
$410
232,420
27%
$9.80
$509
1.2
Metropolitan Areas
Akron MSA
$14.42
$750
$30,000
1.8
$62,100
$1,553
$18,630
$466
88,910
31%
$10.97
$571
1.3
Brown County HMFA
$11.81
$614
$24,560
1.5
$57,000
$1,425
$17,100
$428
3,584
22%
$8.90
$463
1.3
Canton-Massillon MSA
$12.73
$662
$26,480
1.6
$56,000
$1,400
$16,800
$420
47,523
29%
$10.03
$521
1.3
$14.13
$735
$29,400
1.8
$68,500
$1,713
$20,550
$514
202,810
33%
$12.50
$650
1.1
Cleveland-Elyria-Mentor MSA
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
279,839
33%
$12.69
$660
1.1
Columbus HMFA
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
258,530
37%
$13.01
$677
1.2
Dayton HMFA
$13.69
$712
$28,480
1.7
$60,200
$1,505
$18,060
$452
115,124
35%
$11.35
$590
1.2
$12.37
$643
$25,720
1.6
$51,000
$1,275
$15,300
$383
6,091
25%
$8.86
$461
1.4
Lima MSA
$12.60
$655
$26,200
1.6
$54,800
$1,370
$16,440
$411
12,353
30%
$9.31
$484
1.4
Mansfield MSA
$11.81
$614
$24,560
1.5
$53,700
$1,343
$16,110
$403
14,534
30%
$9.71
$505
1.2
Parkersburg-Marietta-Vienna MSA
$11.81
$614
$24,560
1.5
$53,700
$1,343
$16,110
$403
5,771
23%
$9.48
$493
1.2
Preble County HMFA
$12.65
$658
$26,320
1.6
$59,800
$1,495
$17,940
$449
3,507
21%
$9.37
$487
1.4
Sandusky MSA
$15.31
$796
$31,840
1.9
$61,100
$1,528
$18,330
$458
9,527
30%
$9.78
$508
1.6
Springfield MSA
$13.71
$713
$28,520
1.7
$52,700
$1,318
$15,810
$395
17,544
32%
$9.33
$485
1.5
Steubenville-Weirton MSA
$11.81
$614
$24,560
1.5
$52,500
$1,313
$15,750
$394
7,584
27%
$8.72
$454
1.4
Toledo MSA
$13.02
$677
$27,080
1.6
$57,100
$1,428
$17,130
$428
87,828
34%
$10.54
$548
1.2
Union County HMFA
$15.38
$800
$32,000
1.9
$82,700
$2,068
$24,810
$620
4,249
23%
$13.61
$708
1.1
Wheeling MSA
$11.81
$614
$24,560
1.5
$56,200
$1,405
$16,860
$422
7,235
25%
$8.44
$439
1.4
Youngstown-Warren-Boardman HMFA
$12.25
$637
$25,480
1.5
$52,700
$1,318
$15,810
$395
52,463
28%
$9.14
$475
1.3
Adams County
$11.81
$614
$24,560
1.5
$43,500
$1,088
$13,050
$326
2,906
27%
$8.67
$451
1.4
Allen County
$12.60
$655
$26,200
1.6
$54,800
$1,370
$16,440
$411
12,353
30%
$9.31
$484
1.4
Ashland County
$12.33
$641
$25,640
1.6
$56,800
$1,420
$17,040
$426
4,881
24%
$9.50
$494
1.3
Ashtabula County
$11.88
$618
$24,720
1.5
$48,300
$1,208
$14,490
$362
10,665
27%
$8.15
$424
1.5
Athens County
$13.48
$701
$28,040
1.7
$52,000
$1,300
$15,600
$390
9,592
43%
$6.32
$328
2.1
Auglaize County
$12.35
$642
$25,680
1.6
$63,600
$1,590
$19,080
$477
4,495
25%
$11.40
$593
1.1
Counties
1: BR = Bedroom
161
Ohio
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Belmont County
$11.81
$614
$24,560
1.5
$56,200
$1,405
$16,860
$422
7,235
25%
$8.44
$439
Brown County
$11.81
$614
$24,560
1.5
$57,000
$1,425
$17,100
$428
3,584
22%
$8.90
$463
1.4
1.3
Butler County
$14.13
$735
$29,400
1.8
$68,500
$1,713
$20,550
$514
39,091
29%
$10.54
$548
1.3
Carroll County
$12.73
$662
$26,480
1.6
$56,000
$1,400
$16,800
$420
2,478
22%
$9.33
$485
1.4
Champaign County
$11.81
$614
$24,560
1.5
$59,300
$1,483
$17,790
$445
3,894
26%
$9.88
$514
1.2
Clark County
$13.71
$713
$28,520
1.7
$52,700
$1,318
$15,810
$395
17,544
32%
$9.33
$485
1.5
Clermont County
$14.13
$735
$29,400
1.8
$68,500
$1,713
$20,550
$514
17,937
24%
$9.64
$501
1.5
Clinton County
$12.46
$648
$25,920
1.6
$59,700
$1,493
$17,910
$448
5,212
33%
$10.48
$545
1.2
Columbiana County
$11.81
$614
$24,560
1.5
$54,600
$1,365
$16,380
$410
11,652
27%
$8.66
$450
1.4
Coshocton County
$11.81
$614
$24,560
1.5
$49,800
$1,245
$14,940
$374
3,736
26%
$9.07
$472
1.3
Crawford County
$12.00
$624
$24,960
1.5
$51,100
$1,278
$15,330
$383
5,143
29%
$11.22
$583
1.1
Cuyahoga County
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
207,385
39%
$13.77
$716
1.0
Darke County
$11.81
$614
$24,560
1.5
$56,500
$1,413
$16,950
$424
5,064
24%
$9.99
$519
1.2
Defiance County
$11.81
$614
$24,560
1.5
$58,100
$1,453
$17,430
$436
3,646
24%
$10.82
$563
1.1
Delaware County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
10,815
17%
$10.82
$563
1.4
Erie County
$15.31
$796
$31,840
1.9
$61,100
$1,528
$18,330
$458
9,527
30%
$9.78
$508
1.6
Fairfield County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
14,228
26%
$8.27
$430
1.9
Fayette County
$13.48
$701
$28,040
1.7
$48,600
$1,215
$14,580
$365
4,399
38%
$9.73
$506
1.4
Franklin County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
204,929
44%
$14.07
$732
1.1
Fulton County
$13.02
$677
$27,080
1.6
$57,100
$1,428
$17,130
$428
3,192
20%
$9.00
$468
1.4
Gallia County
$11.81
$614
$24,560
1.5
$47,800
$1,195
$14,340
$359
3,174
27%
$9.90
$515
1.2
Geauga County
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
4,664
13%
$9.15
$476
1.6
Greene County
$13.69
$712
$28,480
1.7
$60,200
$1,505
$18,060
$452
20,055
32%
$9.70
$504
1.4
Guernsey County
$11.81
$614
$24,560
1.5
$51,000
$1,275
$15,300
$383
4,220
27%
$9.26
$481
1.3
Hamilton County
$14.13
$735
$29,400
1.8
$68,500
$1,713
$20,550
$514
129,502
40%
$13.56
$705
1.0
Hancock County
$12.10
$629
$25,160
1.5
$62,500
$1,563
$18,750
$469
9,010
30%
$10.71
$557
1.1
Hardin County
$11.81
$614
$24,560
1.5
$55,000
$1,375
$16,500
$413
3,601
30%
$9.27
$482
1.3
Harrison County
$11.81
$614
$24,560
1.5
$46,700
$1,168
$14,010
$350
1,408
22%
$9.38
$488
1.3
Henry County
$12.00
$624
$24,960
1.5
$63,300
$1,583
$18,990
$475
2,413
22%
$10.56
$549
1.1
Highland County
$11.81
$614
$24,560
1.5
$50,000
$1,250
$15,000
$375
4,815
28%
$9.11
$474
1.3
Hocking County
$11.81
$614
$24,560
1.5
$53,800
$1,345
$16,140
$404
2,793
24%
$7.37
$383
1.6
1: BR = Bedroom
162
Ohio
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Holmes County
$11.81
$614
$24,560
1.5
$51,500
$1,288
$15,450
$386
2,936
24%
$10.43
$543
1.1
Huron County
$11.81
$614
$24,560
1.5
$57,600
$1,440
$17,280
$432
6,080
27%
$9.61
$500
1.2
Jackson County
$11.81
$614
$24,560
1.5
$47,300
$1,183
$14,190
$355
4,528
34%
$9.35
$486
1.3
Jefferson County
$11.81
$614
$24,560
1.5
$52,500
$1,313
$15,750
$394
7,584
27%
$8.72
$454
1.4
Knox County
$12.40
$645
$25,800
1.6
$60,400
$1,510
$18,120
$453
6,112
27%
$9.91
$515
1.3
Lake County
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
22,987
24%
$11.29
$587
1.3
Lawrence County
$12.37
$643
$25,720
1.6
$51,000
$1,275
$15,300
$383
6,091
25%
$8.86
$461
1.4
Licking County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
17,061
27%
$8.90
$463
1.7
1.0
Logan County
$12.13
$631
$25,240
1.5
$56,000
$1,400
$16,800
$420
4,812
27%
$11.73
$610
Lorain County
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
32,019
28%
$9.42
$490
1.5
Lucas County
$13.02
$677
$27,080
1.6
$57,100
$1,428
$17,130
$428
66,150
37%
$10.83
$563
1.2
Madison County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
4,275
29%
$9.84
$512
1.6
Mahoning County
$12.25
$637
$25,480
1.5
$52,700
$1,318
$15,810
$395
28,863
29%
$8.67
$451
1.4
Marion County
$13.46
$700
$28,000
1.7
$52,900
$1,323
$15,870
$397
7,768
31%
$10.86
$565
1.2
Medina County
$14.42
$750
$30,000
1.8
$62,600
$1,565
$18,780
$470
12,784
20%
$9.13
$475
1.6
Meigs County
$11.81
$614
$24,560
1.5
$43,600
$1,090
$13,080
$327
1,911
20%
$7.72
$402
1.5
Mercer County
$11.81
$614
$24,560
1.5
$64,200
$1,605
$19,260
$482
3,149
20%
$8.66
$450
1.4
Miami County
$13.69
$712
$28,480
1.7
$60,200
$1,505
$18,060
$452
11,731
28%
$10.39
$540
1.3
Monroe County
$11.81
$614
$24,560
1.5
$46,900
$1,173
$14,070
$352
1,220
20%
$12.71
$661
0.9
Montgomery County
$13.69
$712
$28,480
1.7
$60,200
$1,505
$18,060
$452
83,338
37%
$11.86
$617
1.2
Morgan County
$11.81
$614
$24,560
1.5
$43,000
$1,075
$12,900
$323
1,430
23%
$6.80
$354
1.7
Morrow County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
2,394
18%
$8.64
$449
1.8
Muskingum County
$12.23
$636
$25,440
1.5
$51,700
$1,293
$15,510
$388
10,812
32%
$9.20
$479
1.3
Noble County
$11.81
$614
$24,560
1.5
$45,500
$1,138
$13,650
$341
964
20%
$6.84
$356
1.7
Ottawa County
$13.02
$677
$27,080
1.6
$57,100
$1,428
$17,130
$428
3,248
18%
$10.53
$548
1.2
Paulding County
$11.81
$614
$24,560
1.5
$58,500
$1,463
$17,550
$439
1,569
20%
$7.58
$394
1.6
Perry County
$11.81
$614
$24,560
1.5
$53,100
$1,328
$15,930
$398
3,685
27%
$8.02
$417
1.5
Pickaway County
$15.50
$806
$32,240
1.9
$70,000
$1,750
$21,000
$525
4,828
25%
$9.03
$470
1.7
Pike County
$11.81
$614
$24,560
1.5
$48,000
$1,200
$14,400
$360
2,985
28%
$11.68
$607
1.0
Portage County
$14.42
$750
$30,000
1.8
$62,100
$1,553
$18,630
$466
18,961
31%
$9.30
$484
1.6
Preble County
$12.65
$658
$26,320
1.6
$59,800
$1,495
$17,940
$449
3,507
21%
$9.37
$487
1.4
1: BR = Bedroom
163
Ohio
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Putnam County
$12.04
$626
$25,040
1.5
$72,800
$1,820
$21,840
$546
2,075
16%
$8.79
$457
Richland County
$11.81
$614
$24,560
1.5
$53,700
$1,343
$16,110
$403
14,534
30%
$9.71
$505
1.4
1.2
Ross County
$13.50
$702
$28,080
1.7
$56,800
$1,420
$17,040
$426
7,730
28%
$10.15
$528
1.3
Sandusky County
$11.81
$614
$24,560
1.5
$59,400
$1,485
$17,820
$446
5,792
24%
$9.23
$480
1.3
Scioto County
$11.81
$614
$24,560
1.5
$43,000
$1,075
$12,900
$323
9,142
31%
$7.63
$397
1.5
Seneca County
$11.81
$614
$24,560
1.5
$53,600
$1,340
$16,080
$402
6,088
28%
$10.22
$532
1.2
Shelby County
$12.63
$657
$26,280
1.6
$64,600
$1,615
$19,380
$485
4,572
25%
$12.41
$645
1.0
Stark County
$12.73
$662
$26,480
1.6
$56,000
$1,400
$16,800
$420
45,045
30%
$10.05
$523
1.3
Summit County
$14.42
$750
$30,000
1.8
$62,100
$1,553
$18,630
$466
69,949
32%
$11.26
$586
1.3
Trumbull County
$12.25
$637
$25,480
1.5
$52,700
$1,318
$15,810
$395
23,600
27%
$9.78
$508
1.3
Tuscarawas County
$12.44
$647
$25,880
1.6
$54,600
$1,365
$16,380
$410
9,742
27%
$9.22
$479
1.3
Union County
$15.38
$800
$32,000
1.9
$82,700
$2,068
$24,810
$620
4,249
23%
$13.61
$708
1.1
Van Wert County
$11.81
$614
$24,560
1.5
$54,800
$1,370
$16,440
$411
2,081
18%
$9.51
$495
1.2
Vinton County
$11.81
$614
$24,560
1.5
$38,700
$968
$11,610
$290
1,289
24%
$11.88
$618
1.0
Warren County
$14.13
$735
$29,400
1.8
$68,500
$1,713
$20,550
$514
16,280
21%
$11.00
$572
1.3
Washington County
$11.81
$614
$24,560
1.5
$53,700
$1,343
$16,110
$403
5,771
23%
$9.48
$493
1.2
Wayne County
$12.37
$643
$25,720
1.6
$58,400
$1,460
$17,520
$438
10,829
26%
$10.62
$552
1.2
Williams County
$11.81
$614
$24,560
1.5
$56,300
$1,408
$16,890
$422
3,805
25%
$9.77
$508
1.2
Wood County
$13.02
$677
$27,080
1.6
$57,100
$1,428
$17,130
$428
15,238
31%
$9.97
$518
1.3
Wyandot County
$11.81
$614
$24,560
1.5
$61,600
$1,540
$18,480
$462
2,595
28%
$10.38
$540
1.1
1: BR = Bedroom
164
Oklahoma
In Oklahoma, the Fair Market Rent (FMR) for a two-bedroom apartment is $689. In order to afford this level of rent
Wage of:
$13.25
In Oklahoma, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Oklahoma, the estimated mean (average) wage for a renter is $12.52. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 42 hours per week, 52 weeks per year. Or, working 40 hours per
$689
Two-Bedroom FMR
$1,409

$651

$423
$266
Minimum Wage Earner
$312
SSI Recipient
$473
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$38
$216
$0
$500
$1,000
$1,500
165
Oklahoma
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Oklahoma
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.25
$689
$27,560
1.8
$56,368
$1,409
$16,910
$423
468,275
33%
$12.52
$651
1.1
$12.04
$626
$25,033
1.7
$51,164
$1,279
$15,349
$384
155,370
30%
$11.61
$604
1.0
Fort Smith HMFA
$11.54
$600
$24,000
1.6
$46,800
$1,170
$14,040
$351
4,516
29%
$6.64
$345
1.7
Grady County HMFA
$11.54
$600
$24,000
1.6
$58,200
$1,455
$17,460
$437
4,560
23%
$9.22
$479
1.3
Lawton MSA
$14.04
$730
$29,200
1.9
$53,800
$1,345
$16,140
$404
18,730
42%
$10.98
$571
1.3
Le Flore County HMFA
$11.54
$600
$24,000
1.6
$46,500
$1,163
$13,950
$349
4,976
27%
$8.63
$449
1.3
Lincoln County HMFA
$11.54
$600
$24,000
1.6
$54,000
$1,350
$16,200
$405
2,885
22%
$7.61
$396
1.5
Oklahoma City HMFA
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
156,569
35%
$12.77
$664
1.1
Metropolitan Areas
Okmulgee County HMFA
$11.63
$605
$24,200
1.6
$51,200
$1,280
$15,360
$384
4,515
30%
$9.34
$486
1.2
Pawnee County HMFA
$11.54
$600
$24,000
1.6
$51,100
$1,278
$15,330
$383
1,423
22%
$9.68
$504
1.2
Tulsa HMFA
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
114,731
33%
$13.65
$710
1.0
Adair County
$11.54
$600
$24,000
1.6
$38,800
$970
$11,640
$291
2,301
29%
$8.85
$460
1.3
Alfalfa County
$11.54
$600
$24,000
1.6
$58,700
$1,468
$17,610
$440
442
22%
$15.71
$817
0.7
Atoka County
$11.54
$600
$24,000
1.6
$42,500
$1,063
$12,750
$319
1,353
25%
$8.44
$439
1.4
Beaver County
$11.54
$600
$24,000
1.6
$56,700
$1,418
$17,010
$425
575
28%
$18.58
$966
0.6
Beckham County
$13.13
$683
$27,320
1.8
$59,600
$1,490
$17,880
$447
2,757
35%
$17.12
$890
0.8
Blaine County
$12.17
$633
$25,320
1.7
$50,900
$1,273
$15,270
$382
1,158
29%
$11.16
$580
1.1
Bryan County
$11.58
$602
$24,080
1.6
$47,100
$1,178
$14,130
$353
5,739
35%
$10.71
$557
1.1
Caddo County
$11.54
$600
$24,000
1.6
$47,500
$1,188
$14,250
$356
2,966
29%
$10.81
$562
1.1
Canadian County
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
9,447
23%
$12.66
$658
1.1
Carter County
$11.90
$619
$24,760
1.6
$50,500
$1,263
$15,150
$379
5,190
30%
$12.66
$658
0.9
Cherokee County
$11.54
$600
$24,000
1.6
$45,900
$1,148
$13,770
$344
5,730
34%
$7.19
$374
1.6
Choctaw County
$11.54
$600
$24,000
1.6
$39,200
$980
$11,760
$294
1,793
29%
$7.95
$414
1.5
Cimarron County
$11.54
$600
$24,000
1.6
$41,500
$1,038
$12,450
$311
312
29%
Cleveland County
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
30,063
32%
$8.81
$458
1.6
Coal County
$11.54
$600
$24,000
1.6
$45,000
$1,125
$13,500
$338
646
27%
$9.92
$516
1.2
Comanche County
$14.04
$730
$29,200
1.9
$53,800
$1,345
$16,140
$404
18,730
42%
$10.98
$571
1.3
Counties
1: BR = Bedroom
166
Oklahoma
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Cotton County
$11.63
$605
$24,200
1.6
$54,700
$1,368
$16,410
$410
610
26%
$10.35
$538
1.1
Craig County
$11.54
$600
$24,000
1.6
$51,300
$1,283
$15,390
$385
1,219
21%
$11.33
$589
1.0
Creek County
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
6,479
25%
$12.74
$663
1.1
Custer County
$11.54
$600
$24,000
1.6
$56,300
$1,408
$16,890
$422
3,907
37%
$11.75
$611
1.0
Delaware County
$11.54
$600
$24,000
1.6
$45,000
$1,125
$13,500
$338
3,600
22%
$9.64
$501
1.2
Dewey County
$11.54
$600
$24,000
1.6
$56,100
$1,403
$16,830
$421
397
22%
$17.94
$933
0.6
Ellis County
$11.54
$600
$24,000
1.6
$57,500
$1,438
$17,250
$431
379
21%
$16.92
$880
0.7
Garfield County
$11.88
$618
$24,720
1.6
$54,400
$1,360
$16,320
$408
7,972
33%
$14.65
$762
0.8
Garvin County
$11.54
$600
$24,000
1.6
$49,700
$1,243
$14,910
$373
2,660
26%
$13.58
$706
0.8
Grady County
$11.54
$600
$24,000
1.6
$58,200
$1,455
$17,460
$437
4,560
23%
$9.22
$479
1.3
Grant County
$11.54
$600
$24,000
1.6
$55,100
$1,378
$16,530
$413
476
25%
$18.87
$981
0.6
Greer County
$12.35
$642
$25,680
1.7
$51,400
$1,285
$15,420
$386
698
32%
$10.71
$557
1.2
Harmon County
$11.54
$600
$24,000
1.6
$42,000
$1,050
$12,600
$315
370
33%
$11.64
$605
1.0
Harper County
$11.54
$600
$24,000
1.6
$53,600
$1,340
$16,080
$402
290
19%
$9.41
$489
1.2
Haskell County
$11.54
$600
$24,000
1.6
$49,500
$1,238
$14,850
$371
1,145
24%
$8.39
$436
1.4
Hughes County
$11.54
$600
$24,000
1.6
$44,300
$1,108
$13,290
$332
1,124
22%
$9.09
$473
1.3
Jackson County
$11.54
$600
$24,000
1.6
$54,000
$1,350
$16,200
$405
3,968
38%
$10.14
$527
1.1
Jefferson County
$11.54
$600
$24,000
1.6
$44,900
$1,123
$13,470
$337
624
25%
$7.70
$400
1.5
Johnston County
$11.54
$600
$24,000
1.6
$41,600
$1,040
$12,480
$312
1,189
28%
$10.21
$531
1.1
Kay County
$12.23
$636
$25,440
1.7
$53,400
$1,335
$16,020
$401
5,689
31%
$12.21
$635
1.0
Kingfisher County
$12.69
$660
$26,400
1.8
$61,400
$1,535
$18,420
$461
1,378
24%
$15.89
$827
0.8
Kiowa County
$11.54
$600
$24,000
1.6
$45,500
$1,138
$13,650
$341
1,257
32%
$9.24
$481
1.2
Latimer County
$11.54
$600
$24,000
1.6
$53,700
$1,343
$16,110
$403
1,182
28%
$15.21
$791
0.8
Le Flore County
$11.54
$600
$24,000
1.6
$46,500
$1,163
$13,950
$349
4,976
27%
$8.63
$449
1.3
Lincoln County
$11.54
$600
$24,000
1.6
$54,000
$1,350
$16,200
$405
2,885
22%
$7.61
$396
1.5
Logan County
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
3,206
22%
$6.83
$355
2.0
Love County
$11.54
$600
$24,000
1.6
$53,400
$1,335
$16,020
$401
875
25%
$7.20
$374
1.6
Major County
$11.54
$600
$24,000
1.6
$58,900
$1,473
$17,670
$442
713
23%
$11.27
$586
1.0
Marshall County
$11.83
$615
$24,600
1.6
$49,700
$1,243
$14,910
$373
1,314
22%
$9.40
$489
1.3
Mayes County
$11.54
$600
$24,000
1.6
$54,600
$1,365
$16,380
$410
4,418
27%
$9.97
$519
1.2
McClain County
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
2,313
18%
$8.34
$434
1.7
1: BR = Bedroom
167
Oklahoma
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
McCurtain County
$11.54
$600
$24,000
1.6
$43,600
$1,090
$13,080
$327
4,054
31%
$8.84
$460
McIntosh County
$11.58
$602
$24,080
1.6
$41,200
$1,030
$12,360
$309
1,699
21%
$6.96
$362
1.7
Murray County
$11.90
$619
$24,760
1.6
$50,100
$1,253
$15,030
$376
1,135
22%
$10.20
$531
1.2
Muskogee County
$11.54
$600
$24,000
1.6
$43,500
$1,088
$13,050
$326
8,981
33%
$8.89
$462
1.3
Noble County
$11.54
$600
$24,000
1.6
$53,200
$1,330
$15,960
$399
1,211
26%
$12.19
$634
0.9
Nowata County
$11.62
$604
$24,160
1.6
$52,200
$1,305
$15,660
$392
840
21%
$8.99
$467
1.3
Okfuskee County
$11.54
$600
$24,000
1.6
$44,800
$1,120
$13,440
$336
1,225
29%
$7.16
$372
1.6
Oklahoma County
$13.90
$723
$28,920
1.9
$61,400
$1,535
$18,420
$461
111,540
39%
$13.56
$705
1.0
Okmulgee County
$11.63
$605
$24,200
1.6
$51,200
$1,280
$15,360
$384
4,515
30%
$9.34
$486
1.2
Osage County
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
3,813
21%
$9.53
$495
1.5
Ottawa County
$12.06
$627
$25,080
1.7
$46,200
$1,155
$13,860
$347
3,199
26%
$9.03
$470
1.3
Pawnee County
$11.54
$600
$24,000
1.6
$51,100
$1,278
$15,330
$383
1,423
22%
$9.68
$504
1.2
Payne County
$13.52
$703
$28,120
1.9
$52,900
$1,323
$15,870
$397
14,304
48%
$9.27
$482
1.5
Pittsburg County
$12.67
$659
$26,360
1.7
$53,400
$1,335
$16,020
$401
5,317
29%
$11.58
$602
1.1
Pontotoc County
$11.54
$600
$24,000
1.6
$54,300
$1,358
$16,290
$407
4,859
33%
$8.75
$455
1.3
Pottawatomie County
$13.96
$726
$29,040
1.9
$55,900
$1,398
$16,770
$419
7,099
28%
$9.26
$482
1.5
Pushmataha County
$11.54
$600
$24,000
1.6
$38,400
$960
$11,520
$288
1,306
27%
$6.56
$341
1.8
Roger Mills County
$11.54
$600
$24,000
1.6
$64,500
$1,613
$19,350
$484
276
21%
$13.37
$695
0.9
Rogers County
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
6,901
21%
$11.09
$577
1.3
Seminole County
$11.54
$600
$24,000
1.6
$47,000
$1,175
$14,100
$353
2,591
27%
$9.97
$519
1.2
Sequoyah County
$11.54
$600
$24,000
1.6
$46,800
$1,170
$14,040
$351
4,516
29%
$6.64
$345
1.7
Stephens County
$11.54
$600
$24,000
1.6
$57,300
$1,433
$17,190
$430
5,089
29%
$14.59
$759
0.8
Texas County
$11.81
$614
$24,560
1.6
$60,600
$1,515
$18,180
$455
2,617
37%
$13.69
$712
0.9
Tillman County
$11.54
$600
$24,000
1.6
$42,200
$1,055
$12,660
$317
797
28%
$10.20
$530
1.1
Tulsa County
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
92,966
39%
$14.02
$729
1.0
Wagoner County
$14.21
$739
$29,560
2.0
$59,200
$1,480
$17,760
$444
4,572
17%
$7.94
$413
1.8
Washington County
$12.62
$656
$26,240
1.7
$59,700
$1,493
$17,910
$448
5,691
27%
$14.86
$773
0.8
Washita County
$11.54
$600
$24,000
1.6
$58,900
$1,473
$17,670
$442
1,334
29%
$14.39
$748
0.8
Woods County
$11.58
$602
$24,080
1.6
$62,900
$1,573
$18,870
$472
1,229
35%
$12.11
$630
1.0
Woodward County
$11.54
$600
$24,000
1.6
$63,100
$1,578
$18,930
$473
2,101
28%
$17.87
$929
0.6
1.3
1: BR = Bedroom
168
Oregon
In Oregon, the Fair Market Rent (FMR) for a two-bedroom apartment is $846. In order to afford this level of rent and
$16.28
In Oregon, a minimum wage worker earns an hourly wage of $9.10. In order to afford the FMR for a two-bedroom
In Oregon, the estimated mean (average) wage for a renter is $13.06. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$167
$846
Two-Bedroom FMR
$1,534

$679

$460
$386
Minimum Wage Earner
$473
Minimum Wage Earner
$373
SSI Recipient
$630

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
169
Oregon
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Oregon
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$16.28
$846
$33,858
1.8
$61,362
$1,534
$18,409
$460
566,894
37%
$13.06
$679
1.2
$13.79
$717
$28,674
1.5
$51,477
$1,287
$15,443
$386
113,307
33%
$10.04
$522
1.4
Metropolitan Areas
Bend MSA
$15.44
$803
$32,120
1.7
$62,400
$1,560
$18,720
$468
21,839
34%
$11.10
$577
1.4
Corvallis MSA
$15.85
$824
$32,960
1.7
$69,400
$1,735
$20,820
$521
14,160
42%
$9.70
$504
1.6
Eugene-Springfield MSA
$16.04
$834
$33,360
1.8
$55,200
$1,380
$16,560
$414
58,735
40%
$11.04
$574
1.5
Medford MSA
$16.04
$834
$33,360
1.8
$50,500
$1,263
$15,150
$379
31,724
38%
$11.30
$587
1.4
Portland-Vancouver-Beaverton MSA
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
273,376
39%
$15.06
$783
1.2
Salem MSA
$15.00
$780
$31,200
1.6
$55,800
$1,395
$16,740
$419
53,753
38%
$10.42
$542
1.4
Baker County
$12.58
$654
$26,160
1.4
$53,700
$1,343
$16,110
$403
2,247
32%
$7.17
$373
Benton County
$15.85
$824
$32,960
1.7
$69,400
$1,735
$20,820
$521
14,160
42%
$9.70
$504
1.6
Clackamas County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
44,245
31%
$13.02
$677
1.4
Clatsop County
$14.75
$767
$30,680
1.6
$55,500
$1,388
$16,650
$416
5,943
38%
$10.53
$547
1.4
Columbia County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
4,677
25%
$7.29
$379
2.4
Coos County
$13.29
$691
$27,640
1.5
$49,500
$1,238
$14,850
$371
8,895
33%
$9.86
$513
1.3
Crook County
$13.04
$678
$27,120
1.4
$52,800
$1,320
$15,840
$396
2,432
28%
$12.11
$630
1.1
Curry County
$15.37
$799
$31,960
1.7
$56,700
$1,418
$17,010
$425
3,158
31%
$9.08
$472
1.7
Deschutes County
$15.44
$803
$32,120
1.7
$62,400
$1,560
$18,720
$468
21,839
34%
$11.10
$577
1.4
Douglas County
$12.58
$654
$26,160
1.4
$46,600
$1,165
$13,980
$350
13,316
30%
$11.49
$597
1.1
Gilliam County
$12.25
$637
$25,480
1.3
$57,600
$1,440
$17,280
$432
333
37%
$15.49
$806
0.8
Grant County
$12.25
$637
$25,480
1.3
$45,500
$1,138
$13,650
$341
1,008
30%
$10.00
$520
1.2
Harney County
$12.25
$637
$25,480
1.3
$50,500
$1,263
$15,150
$379
1,141
36%
$8.36
$435
1.5
Hood River County
$16.06
$835
$33,400
1.8
$64,000
$1,600
$19,200
$480
2,529
32%
$9.06
$471
1.8
Jackson County
$16.04
$834
$33,360
1.8
$50,500
$1,263
$15,150
$379
31,724
38%
$11.30
$587
1.4
Jefferson County
$12.25
$637
$25,480
1.3
$49,400
$1,235
$14,820
$371
2,844
36%
$11.19
$582
1.1
Josephine County
$15.65
$814
$32,560
1.7
$45,200
$1,130
$13,560
$339
11,512
33%
$9.37
$487
1.7
Klamath County
$13.31
$692
$27,680
1.5
$47,500
$1,188
$14,250
$356
9,352
34%
$9.83
$511
1.4
Lake County
$12.25
$637
$25,480
1.3
$52,300
$1,308
$15,690
$392
1,161
33%
$8.33
$433
1.5
Counties
1.8
1: BR = Bedroom
170
Oregon
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Lane County
$16.04
$834
$33,360
1.8
$55,200
$1,380
$16,560
$414
58,735
40%
$11.04
$574
Lincoln County
$14.44
$751
$30,040
1.6
$55,700
$1,393
$16,710
$418
7,094
34%
$8.58
$446
1.5
1.7
Linn County
$14.46
$752
$30,080
1.6
$51,600
$1,290
$15,480
$387
14,831
33%
$11.13
$579
1.3
Malheur County
$12.25
$637
$25,480
1.3
$49,000
$1,225
$14,700
$368
3,612
36%
$7.46
$388
1.6
Marion County
$15.00
$780
$31,200
1.6
$55,800
$1,395
$16,740
$419
44,461
39%
$10.78
$560
1.4
Morrow County
$12.25
$637
$25,480
1.3
$52,400
$1,310
$15,720
$393
1,022
27%
$10.21
$531
1.2
Multnomah County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
137,454
45%
$14.32
$745
1.2
Polk County
$15.00
$780
$31,200
1.6
$55,800
$1,395
$16,740
$419
9,292
33%
$7.53
$392
2.0
Sherman County
$12.25
$637
$25,480
1.3
$60,500
$1,513
$18,150
$454
263
33%
$11.39
$592
1.1
Tillamook County
$14.60
$759
$30,360
1.6
$53,500
$1,338
$16,050
$401
3,245
30%
$10.64
$553
1.4
Umatilla County
$13.50
$702
$28,080
1.5
$59,700
$1,493
$17,910
$448
9,395
35%
$10.65
$554
1.3
Union County
$12.44
$647
$25,880
1.4
$53,100
$1,328
$15,930
$398
3,633
35%
$8.05
$419
1.5
Wallowa County
$12.25
$637
$25,480
1.3
$53,200
$1,330
$15,960
$399
840
28%
$6.26
$325
2.0
Wasco County
$14.04
$730
$29,200
1.5
$55,300
$1,383
$16,590
$415
3,336
34%
$9.86
$513
1.4
Washington County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
76,718
38%
$18.24
$949
1.0
Wheeler County
$12.25
$637
$25,480
1.3
$46,400
$1,160
$13,920
$348
165
26%
$9.74
$506
1.3
Yamhill County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
10,282
30%
$9.83
$511
1.8
1: BR = Bedroom
171
Pennsylvania
In Pennsylvania, the Fair Market Rent (FMR) for a two-bedroom apartment is $901. In order to afford this level of
Wage of:
$17.33
In Pennsylvania, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 96 hours per week, 52 weeks per year. Or a household must
affordable.
In Pennsylvania, the estimated mean (average) wage for a renter is $13.23. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$213
$901
Two-Bedroom FMR
$1,699

$688
$510
$391
Minimum Wage Earner
$524
SSI Recipient
$685
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
172
Pennsylvania
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Pennsylvania
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$17.33
$901
$36,048
2.4
$67,958
$1,699
$20,388
$510
1,481,031
30%
$13.23
$688
1.3
$13.11
$682
$27,264
1.8
$56,772
$1,419
$17,032
$426
192,014
24%
$9.86
$513
1.3
Metropolitan Areas
Allentown-Bethlehem-Easton HMFA
$18.73
$974
$38,960
2.6
$68,800
$1,720
$20,640
$516
77,653
29%
$12.00
$624
1.6
Altoona MSA
$13.15
$684
$27,360
1.8
$55,200
$1,380
$16,560
$414
14,284
28%
$8.94
$465
1.5
Armstrong County HMFA
$12.25
$637
$25,480
1.7
$55,600
$1,390
$16,680
$417
6,612
23%
$10.39
$540
1.2
Erie MSA
$12.81
$666
$26,640
1.8
$55,500
$1,388
$16,650
$416
34,986
32%
$9.25
$481
1.4
Harrisburg-Carlisle MSA
$16.25
$845
$33,800
2.2
$71,500
$1,788
$21,450
$536
68,404
31%
$13.63
$709
1.2
Johnstown MSA
$12.25
$637
$25,480
1.7
$53,800
$1,345
$16,140
$404
15,314
26%
$8.60
$447
1.4
Lancaster MSA
$17.27
$898
$35,920
2.4
$67,200
$1,680
$20,160
$504
57,996
30%
$11.78
$613
1.5
Lebanon MSA
$13.71
$713
$28,520
1.9
$65,500
$1,638
$19,650
$491
14,131
27%
$9.57
$498
1.4
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
502,550
33%
$16.83
$875
1.3
Pike County HMFA
$22.33
$1,161
$46,440
3.1
$69,500
$1,738
$20,850
$521
3,724
17%
$6.24
$325
3.6
Pittsburgh HMFA
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
286,349
30%
$12.78
$665
1.2
Reading MSA
$16.52
$859
$34,360
2.3
$66,900
$1,673
$20,070
$502
42,961
28%
$11.38
$592
1.5
Scranton--Wilkes-Barre MSA
$13.35
$694
$27,760
1.8
$58,200
$1,455
$17,460
$437
73,323
32%
$10.32
$537
1.3
Sharon HMFA
$12.33
$641
$25,640
1.7
$53,400
$1,335
$16,020
$401
11,830
26%
$9.22
$480
1.3
State College MSA
$17.58
$914
$36,560
2.4
$78,300
$1,958
$23,490
$587
23,064
41%
$9.50
$494
1.9
Williamsport MSA
$12.60
$655
$26,200
1.7
$56,400
$1,410
$16,920
$423
14,240
31%
$10.74
$559
1.2
York-Hanover MSA
$16.08
$836
$33,440
2.2
$68,700
$1,718
$20,610
$515
41,596
25%
$11.07
$576
1.5
Adams County
$15.90
$827
$33,080
2.2
$64,100
$1,603
$19,230
$481
8,949
23%
$9.35
$486
1.7
Allegheny County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
179,566
34%
$14.15
$736
1.1
Armstrong County
$12.25
$637
$25,480
1.7
$55,600
$1,390
$16,680
$417
6,612
23%
$10.39
$540
1.2
Beaver County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
18,562
26%
$9.93
$517
1.5
Bedford County
$12.25
$637
$25,480
1.7
$52,100
$1,303
$15,630
$391
4,169
21%
$8.78
$457
1.4
Berks County
$16.52
$859
$34,360
2.3
$66,900
$1,673
$20,070
$502
42,961
28%
$11.38
$592
1.5
Blair County
$13.15
$684
$27,360
1.8
$55,200
$1,380
$16,560
$414
14,284
28%
$8.94
$465
1.5
Bradford County
$12.25
$637
$25,480
1.7
$54,500
$1,363
$16,350
$409
6,198
25%
$11.82
$615
1.0
Counties
1: BR = Bedroom
173
Pennsylvania
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Bucks County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
50,104
22%
$12.20
$634
1.8
Butler County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
16,913
23%
$11.31
$588
1.3
Cambria County
$12.25
$637
$25,480
1.7
$53,800
$1,345
$16,140
$404
15,314
26%
$8.60
$447
1.4
Cameron County
$12.25
$637
$25,480
1.7
$53,800
$1,345
$16,140
$404
607
28%
$10.77
$560
1.1
Carbon County
$18.73
$974
$38,960
2.6
$68,800
$1,720
$20,640
$516
5,367
20%
$8.03
$418
2.3
Centre County
$17.58
$914
$36,560
2.4
$78,300
$1,958
$23,490
$587
23,064
41%
$9.50
$494
1.9
Chester County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
43,291
24%
$16.53
$859
1.3
Clarion County
$12.25
$637
$25,480
1.7
$55,200
$1,380
$16,560
$414
4,516
29%
$6.81
$354
1.8
Clearfield County
$12.25
$637
$25,480
1.7
$57,700
$1,443
$17,310
$433
7,488
23%
$8.40
$437
1.5
Clinton County
$13.92
$724
$28,960
1.9
$53,700
$1,343
$16,110
$403
4,430
29%
$9.46
$492
1.5
Columbia County
$12.83
$667
$26,680
1.8
$53,400
$1,335
$16,020
$401
7,600
29%
$9.23
$480
1.4
Crawford County
$12.37
$643
$25,720
1.7
$55,900
$1,398
$16,770
$419
9,457
27%
$9.18
$478
1.3
Cumberland County
$16.25
$845
$33,800
2.2
$71,500
$1,788
$21,450
$536
26,759
28%
$12.74
$662
1.3
Dauphin County
$16.25
$845
$33,800
2.2
$71,500
$1,788
$21,450
$536
37,841
35%
$14.59
$759
1.1
Delaware County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
60,188
29%
$14.12
$734
1.5
Elk County
$12.25
$637
$25,480
1.7
$53,600
$1,340
$16,080
$402
2,655
19%
$10.05
$523
1.2
Erie County
$12.81
$666
$26,640
1.8
$55,500
$1,388
$16,650
$416
34,986
32%
$9.25
$481
1.4
Fayette County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
14,989
27%
$8.80
$458
1.7
Forest County
$13.37
$695
$27,800
1.8
$46,400
$1,160
$13,920
$348
285
15%
$7.91
$411
1.7
Franklin County
$14.35
$746
$29,840
2.0
$60,800
$1,520
$18,240
$456
15,726
27%
$11.38
$592
1.3
Fulton County
$12.25
$637
$25,480
1.7
$56,400
$1,410
$16,920
$423
1,339
22%
$12.51
$651
1.0
Greene County
$12.25
$637
$25,480
1.7
$55,200
$1,380
$16,560
$414
3,825
27%
$16.20
$842
0.8
Huntingdon County
$12.25
$637
$25,480
1.7
$56,100
$1,403
$16,830
$421
3,840
23%
$8.26
$429
1.5
Indiana County
$13.17
$685
$27,400
1.8
$59,200
$1,480
$17,760
$444
9,918
29%
$9.97
$518
1.3
Jefferson County
$12.25
$637
$25,480
1.7
$52,000
$1,300
$15,600
$390
4,376
24%
$8.85
$460
1.4
Juniata County
$12.25
$637
$25,480
1.7
$55,200
$1,380
$16,560
$414
2,144
23%
$8.76
$455
1.4
Lackawanna County
$13.35
$694
$27,760
1.8
$58,200
$1,455
$17,460
$437
28,590
33%
$10.16
$528
1.3
Lancaster County
$17.27
$898
$35,920
2.4
$67,200
$1,680
$20,160
$504
57,996
30%
$11.78
$613
1.5
Lawrence County
$13.13
$683
$27,320
1.8
$56,400
$1,410
$16,920
$423
8,609
23%
$8.76
$456
1.5
Lebanon County
$13.71
$713
$28,520
1.9
$65,500
$1,638
$19,650
$491
14,131
27%
$9.57
$498
1.4
Lehigh County
$18.73
$974
$38,960
2.6
$68,800
$1,720
$20,640
$516
43,033
32%
$12.94
$673
1.4
1: BR = Bedroom
174
Pennsylvania
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Luzerne County
$13.35
$694
$27,760
1.8
$58,200
$1,455
$17,460
$437
42,240
32%
$10.25
$533
1.3
Lycoming County
$12.60
$655
$26,200
1.7
$56,400
$1,410
$16,920
$423
14,240
31%
$10.74
$559
1.2
McKean County
$12.25
$637
$25,480
1.7
$52,500
$1,313
$15,750
$394
4,678
27%
$9.66
$502
1.3
Mercer County
$12.33
$641
$25,640
1.7
$53,400
$1,335
$16,020
$401
11,830
26%
$9.22
$480
1.3
Mifflin County
$12.25
$637
$25,480
1.7
$49,300
$1,233
$14,790
$370
4,942
26%
$10.25
$533
1.2
Monroe County
$16.75
$871
$34,840
2.3
$63,200
$1,580
$18,960
$474
11,786
20%
$10.05
$523
1.7
Montgomery County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
82,534
27%
$16.95
$881
1.3
Montour County
$13.31
$692
$27,680
1.8
$60,400
$1,510
$18,120
$453
1,868
26%
$17.44
$907
0.8
Northampton County
$18.73
$974
$38,960
2.6
$68,800
$1,720
$20,640
$516
29,253
26%
$10.95
$569
1.7
Northumberland County
$12.25
$637
$25,480
1.7
$53,700
$1,343
$16,110
$403
11,094
28%
$9.49
$494
1.3
Perry County
$16.25
$845
$33,800
2.2
$71,500
$1,788
$21,450
$536
3,804
21%
$7.98
$415
2.0
Philadelphia County *
$21.83
$1,135
$45,400
3.0
$78,800
$1,970
$23,640
$591
266,433
46%
$19.76
$1,028
1.1
Pike County
$22.33
$1,161
$46,440
3.1
$69,500
$1,738
$20,850
$521
3,724
17%
$6.24
$325
3.6
Potter County
$12.25
$637
$25,480
1.7
$50,500
$1,263
$15,150
$379
1,659
24%
$10.24
$532
1.2
Schuylkill County
$12.25
$637
$25,480
1.7
$60,600
$1,515
$18,180
$455
14,664
24%
$9.12
$474
1.3
Snyder County
$12.40
$645
$25,800
1.7
$55,700
$1,393
$16,710
$418
3,334
23%
$9.14
$475
1.4
Somerset County
$12.25
$637
$25,480
1.7
$51,600
$1,290
$15,480
$387
6,191
21%
$9.12
$474
1.3
Sullivan County
$12.25
$637
$25,480
1.7
$51,800
$1,295
$15,540
$389
415
17%
$6.87
$357
1.8
Susquehanna County
$13.02
$677
$27,080
1.8
$57,000
$1,425
$17,100
$428
3,660
21%
$9.74
$507
1.3
Tioga County
$12.44
$647
$25,880
1.7
$52,900
$1,323
$15,870
$397
4,301
25%
$9.75
$507
1.3
Union County
$13.33
$693
$27,720
1.8
$56,700
$1,418
$17,010
$425
3,927
26%
$8.77
$456
1.5
Venango County
$12.35
$642
$25,680
1.7
$52,100
$1,303
$15,630
$391
5,727
25%
$8.35
$434
1.5
Warren County
$12.25
$637
$25,480
1.7
$56,200
$1,405
$16,860
$422
3,929
23%
$9.74
$506
1.3
Washington County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
19,742
23%
$11.45
$595
1.3
Wayne County
$13.63
$709
$28,360
1.9
$58,700
$1,468
$17,610
$440
3,708
19%
$7.67
$399
1.8
Westmoreland County
$15.17
$789
$31,560
2.1
$65,600
$1,640
$19,680
$492
36,577
24%
$9.63
$501
1.6
Wyoming County
$13.35
$694
$27,760
1.8
$58,200
$1,455
$17,460
$437
2,493
23%
$12.92
$672
1.0
York County
$16.08
$836
$33,440
2.2
$68,700
$1,718
$20,610
$515
41,596
25%
$11.07
$576
1.5
1: BR = Bedroom
175
Puerto Rico
In Puerto Rico, the Fair Market Rent (FMR) for a two-bedroom apartment is $530. In order to afford this level of rent
Wage of:
$10.19
In Puerto Rico, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 56 hours per week, 52 weeks per year. Or a household must
affordable.
In Puerto Rico, the estimated mean (average) wage for a renter is $6.68. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 61 hours per week, 52 weeks per year. Or, working 40 hours per
Monthly Rent Affordable to Selected Income Levels
Compared with Two-Bedroom FMR
Two-Bedroom FMR
$530
$581

$347

$174
$377
Minimum Wage Earner
$183
$356
Minimum Wage Earner
$153
SSI Recipient
N/A
Not available to residents of Puerto Rico

Supplementary Security Income $0
(SSI) Recipient
$0
Gap between
Affordable
Rent and FMR
$200
$400
$600
$800
176
Puerto Rico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Puerto Rico
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$10.19
$530
$21,191
1.4
$23,238
$581
$6,971
$174
356,053
29%
$6.68
$347
1.5
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
16,266
27%
$5.22
$271
1.5
Metropolitan Areas
Aguadilla-Isabela-San Sebastin MSA
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
27,879
29%
$6.05
$315
1.3
$10.44
$543
$21,720
1.4
$21,700
$543
$6,510
$163
14,339
26%
$5.87
$305
1.8
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
12,351
29%
$5.38
$280
1.5
Caguas HMFA
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
27,681
27%
$6.67
$347
1.5
Fajardo MSA
$9.44
$491
$19,640
1.3
$22,700
$568
$6,810
$170
6,314
26%
$6.54
$340
1.4
Guayama MSA
$10.06
$523
$20,920
1.4
$18,500
$463
$5,550
$139
7,354
28%
$8.26
$429
1.2
Mayagez MSA
$9.56
$497
$19,880
1.3
$20,500
$513
$6,150
$154
14,475
38%
$4.87
$253
2.0
Ponce MSA
$8.42
$438
$17,520
1.2
$19,200
$480
$5,760
$144
23,801
30%
$5.12
$266
1.6
San Germn-Cabo Rojo MSA
$8.13
$423
$16,920
1.1
$20,200
$505
$6,060
$152
12,574
29%
$5.50
$286
1.5
San Juan-Guaynabo HMFA
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
185,388
30%
$7.17
$373
1.6
$7.94
$413
$16,520
1.1
$17,200
$430
$5,160
$129
7,631
24%
$5.34
$278
1.5
Adjuntas Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
2,071
36%
$4.70
$244
1.6
Aguada Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
2,887
22%
$4.84
$252
1.7
Aguadilla Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
6,418
33%
$6.63
$345
1.2
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,938
33%
$4.82
$251
2.4
Aibonito Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
1,868
22%
$6.80
$354
1.2
Aasco Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
2,096
23%
$8.12
$422
1.0
Arecibo Municipio
$10.44
$543
$21,720
1.4
$21,700
$543
$6,510
$163
8,176
26%
$5.59
$291
1.9
Arroyo Municipio
$10.06
$523
$20,920
1.4
$18,500
$463
$5,550
$139
1,754
29%
$7.71
$401
1.3
Barceloneta Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
1,784
22%
$7.99
$415
1.4
Barranquitas Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
2,728
31%
$4.45
$231
1.9
Bayamn Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
20,959
29%
$6.20
$323
1.8
Cabo Rojo Municipio
$8.13
$423
$16,920
1.1
$20,200
$505
$6,060
$152
4,234
28%
$4.23
$220
1.9
Caguas Municipio
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
13,759
28%
$5.94
$309
1.7
Camuy Municipio
$10.44
$543
$21,720
1.4
$21,700
$543
$6,510
$163
2,681
24%
$4.60
$239
2.3
Arecibo HMFA
Barranquitas-Aibonito-Quebradillas HMFA
Yauco MSA
Counties
Aguas Buenas Municipio
1: BR = Bedroom
177
Puerto Rico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Canvanas Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,109
22%
$6.09
$316
1.9
Carolina Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
17,270
28%
$6.12
$318
1.9
Catao Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,575
38%
$7.14
$371
1.6
Cayey Municipio
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
4,590
29%
$8.08
$420
1.3
Ceiba Municipio
$9.44
$491
$19,640
1.3
$22,700
$568
$6,810
$170
991
23%
$6.45
$335
1.5
Ciales Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
1,550
28%
$4.00
$208
2.1
Cidra Municipio
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
3,185
24%
$9.40
$489
1.1
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
2,502
19%
$3.80
$197
2.0
Coamo Municipio
Comero Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,120
34%
$5.52
$287
2.1
Corozal Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,910
28%
$5.25
$273
2.2
Culebra Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
131
28%
$5.06
$263
1.5
Dorado Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,147
18%
$7.20
$375
1.6
Fajardo Municipio
$9.44
$491
$19,640
1.3
$22,700
$568
$6,810
$170
3,432
26%
$6.46
$336
1.5
Florida Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
905
23%
$6.03
$313
1.9
Gunica Municipio
$7.94
$413
$16,520
1.1
$17,200
$430
$5,160
$129
1,686
29%
$4.67
$243
1.7
Guayama Municipio
$10.06
$523
$20,920
1.4
$18,500
$463
$5,550
$139
4,214
29%
$8.49
$441
1.2
Guayanilla Municipio
$7.94
$413
$16,520
1.1
$17,200
$430
$5,160
$129
1,391
21%
$4.59
$238
1.7
Guaynabo Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
8,410
24%
$8.13
$423
1.4
Gurabo Municipio
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
2,307
17%
$6.62
$344
1.6
Hatillo Municipio
$10.44
$543
$21,720
1.4
$21,700
$543
$6,510
$163
3,482
27%
$6.84
$356
1.5
$9.56
$497
$19,880
1.3
$20,500
$513
$6,150
$154
1,643
26%
$5.28
$275
1.8
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
4,211
23%
$7.43
$386
1.5
Isabela Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
5,491
37%
$6.49
$338
1.2
Jayuya Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
1,510
31%
$8.57
$445
0.9
Juana Daz Municipio
$8.42
$438
$17,520
1.2
$19,200
$480
$5,760
$144
3,418
21%
$6.96
$362
1.2
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,078
25%
$14.42
$750
0.8
Lajas Municipio
$8.13
$423
$16,920
1.1
$20,200
$505
$6,060
$152
3,182
39%
$4.32
$225
1.9
Lares Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
3,649
37%
$4.77
$248
1.7
Las Maras Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
1,084
33%
$4.11
$214
1.9
Las Piedras Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,133
27%
$11.28
$587
1.0
Loza Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,054
23%
$6.08
$316
1.9
Hormigueros Municipio
Humacao Municipio
Juncos Municipio
1: BR = Bedroom
178
Puerto Rico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Luquillo Municipio
$9.44
$491
$19,640
1.3
$22,700
$568
$6,810
$170
1,891
28%
$7.00
$364
1.3
Manat Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
4,588
30%
$7.01
$365
1.6
Maricao Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
533
31%
$5.08
$264
1.5
Maunabo Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
1,051
26%
$5.94
$309
1.4
Mayagez Municipio
$9.56
$497
$19,880
1.3
$20,500
$513
$6,150
$154
12,832
41%
$4.84
$252
2.0
Moca Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
2,681
23%
$5.16
$268
1.6
Morovis Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
1,999
22%
$4.28
$223
2.6
Naguabo Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
1,841
22%
$4.72
$245
2.4
Naranjito Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,306
28%
$6.60
$343
1.7
Orocovis Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
1,748
25%
$4.70
$244
1.8
$10.06
$523
$20,920
1.4
$18,500
$463
$5,550
$139
1,386
22%
$7.52
$391
1.3
Peuelas Municipio
$7.94
$413
$16,520
1.1
$17,200
$430
$5,160
$129
1,541
21%
$7.25
$377
1.1
Ponce Municipio
$8.42
$438
$17,520
1.2
$19,200
$480
$5,760
$144
18,581
33%
$4.74
$246
1.8
Quebradillas Municipio
$8.25
$429
$17,160
1.1
$19,300
$483
$5,790
$145
3,406
40%
$4.36
$227
1.9
Rincn Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
1,193
22%
$6.03
$313
1.3
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,635
22%
$6.17
$321
1.8
Sabana Grande Municipio
$8.13
$423
$16,920
1.1
$20,200
$505
$6,060
$152
1,750
23%
$5.07
$264
1.6
Salinas Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
2,705
25%
$6.45
$335
1.2
San Germn Municipio
$8.13
$423
$16,920
1.1
$20,200
$505
$6,060
$152
3,408
29%
$6.75
$351
1.2
Patillas Municipio
Ro Grande Municipio
San Juan Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
66,189
45%
$7.40
$385
1.5
San Lorenzo Municipio
$10.31
$536
$21,440
1.4
$26,500
$663
$7,950
$199
3,840
29%
$8.75
$455
1.2
San Sebastin Municipio
$8.12
$422
$16,880
1.1
$17,700
$443
$5,310
$133
3,464
29%
$4.14
$215
2.0
Santa Isabel Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
1,814
24%
$4.46
$232
1.7
Toa Alta Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
3,934
18%
$4.08
$212
2.8
Toa Baja Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
7,135
24%
$7.41
$385
1.5
Trujillo Alto Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
6,995
28%
$3.64
$189
3.1
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
3,414
33%
$4.11
$214
1.9
Vega Alta Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,222
19%
$5.72
$297
2.0
Vega Baja Municipio
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,995
17%
$8.39
$436
1.4
Vieques Municipio
$7.71
$401
$16,040
1.1
$18,100
$453
$5,430
$136
502
17%
$8.04
$418
1.0
Villalba Municipio
$8.42
$438
$17,520
1.2
$19,200
$480
$5,760
$144
1,802
24%
$7.55
$393
1.1
Utuado Municipio
1: BR = Bedroom
179
Puerto Rico
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Yabucoa Municipio
Yauco Municipio
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$11.35
$590
$23,600
1.6
$25,900
$648
$7,770
$194
2,946
25%
$5.37
$279
2.1
$7.94
$413
$16,520
1.1
$17,200
$430
$5,160
$129
3,013
25%
$5.04
$262
1.6
1: BR = Bedroom
180
Rhode Island
In Rhode Island, the Fair Market Rent (FMR) for a two-bedroom apartment is $928. In order to afford this level of
Wage of:
$17.86
In Rhode Island, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 89 hours per week, 52 weeks per year. Or a household must
affordable.
In Rhode Island, the estimated mean (average) wage for a renter is $11.92. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 60 hours per week, 52 weeks per year. Or, working 40 hours per
$928
Two-Bedroom FMR
$1,842

$620
$553
$375
Minimum Wage Earner
$512
SSI Recipient
$712
$416
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$308
$216
$0
$500
$1,000
$1,500
$2,000
181
Rhode Island
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Rhode Island
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
$17.86
$928
$37,139
2.2
$73,695
$1,842
$22,109
$553
Newport-Middleton-Portsmouth HMFA
$21.52
$1,119
$44,760
2.7
$90,000
$2,250
$27,000
Providence-Fall River HMFA
$17.56
$913
$36,520
2.2
$72,200
$1,805
$21,660
Westerly-Hopkinton-New Shoreham HMFA
$18.46
$960
$38,400
2.3
$85,600
$2,140
$25,680
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
159,422
39%
$11.92
$620
1.5
$675
11,061
45%
$11.90
$619
1.8
$542
144,323
39%
$12.00
$624
1.5
$642
4,038
30%
$9.35
$486
2.0
Metropolitan Areas
1: BR = Bedroom
182
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
183
South Carolina
In South Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is $756. In order to afford this level of
Wage of:
$14.55
In South Carolina, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 80 hours per week, 52 weeks per year. Or a household must
affordable.
In South Carolina, the estimated mean (average) wage for a renter is $11.00. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 53 hours per week, 52 weeks per year. Or, working 40 hours per
$756
Two-Bedroom FMR
$1,375

$572

$412
$344
Minimum Wage Earner
$379
SSI Recipient
$540
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$184
$216
$0
$500
$1,000
$1,500
184
South Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
South Carolina
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.55
$756
$30,258
2.0
$54,984
$1,375
$16,495
$412
540,055
31%
$11.00
$572
1.3
$13.23
$688
$27,526
1.8
$49,168
$1,229
$14,751
$369
115,668
28%
$9.89
$515
1.3
Anderson MSA
$12.54
$652
$26,080
1.7
$54,200
$1,355
$16,260
$407
19,239
26%
$8.91
$464
1.4
Augusta-Richmond County MSA
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
18,856
26%
$12.48
$649
1.1
Charleston-North Charleston-Summerville MSA
$17.23
$896
$35,840
2.4
$61,900
$1,548
$18,570
$464
86,730
34%
$12.04
$626
1.4
Charlotte-Gastonia-Concord HMFA
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
24,160
28%
$10.89
$566
1.4
Columbia HMFA
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
88,092
33%
$11.74
$610
1.3
Darlington County HMFA
$12.63
$657
$26,280
1.7
$49,800
$1,245
$14,940
$374
7,488
28%
$11.01
$573
1.1
Florence HMFA
$12.50
$650
$26,000
1.7
$50,800
$1,270
$15,240
$381
17,349
34%
$10.43
$542
1.2
Greenville-Mauldin-Easley MSA
$14.13
$735
$29,400
1.9
$58,200
$1,455
$17,460
$437
69,815
32%
$11.29
$587
1.3
Kershaw County HMFA
$12.31
$640
$25,600
1.7
$54,200
$1,355
$16,260
$407
5,260
22%
$10.23
$532
1.2
Laurens County HMFA
$12.19
$634
$25,360
1.7
$44,900
$1,123
$13,470
$337
7,147
29%
$10.27
$534
1.2
Myrtle Beach-North Myrtle Beach-Conway MSA
$15.48
$805
$32,200
2.1
$49,300
$1,233
$14,790
$370
34,524
30%
$9.04
$470
1.7
Spartanburg MSA
$13.04
$678
$27,120
1.8
$52,500
$1,313
$15,750
$394
32,530
30%
$11.51
$598
1.1
Sumter MSA
$14.79
$769
$30,760
2.0
$51,100
$1,278
$15,330
$383
13,197
34%
$11.24
$585
1.3
Abbeville County
$12.19
$634
$25,360
1.7
$48,700
$1,218
$14,610
$365
2,203
22%
$6.31
$328
1.9
Aiken County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
16,942
27%
$13.05
$679
1.1
Allendale County
$12.21
$635
$25,400
1.7
$27,200
$680
$8,160
$204
1,238
36%
$15.16
$789
0.8
Anderson County
$12.54
$652
$26,080
1.7
$54,200
$1,355
$16,260
$407
19,239
26%
$8.91
$464
1.4
Bamberg County
$12.19
$634
$25,360
1.7
$43,200
$1,080
$12,960
$324
1,506
26%
$6.71
$349
1.8
Barnwell County
$12.19
$634
$25,360
1.7
$46,000
$1,150
$13,800
$345
2,107
26%
$8.16
$425
1.5
Beaufort County
$16.98
$883
$35,320
2.3
$63,400
$1,585
$19,020
$476
17,999
28%
$10.53
$547
1.6
Berkeley County
$17.23
$896
$35,840
2.4
$61,900
$1,548
$18,570
$464
18,638
29%
$13.94
$725
1.2
Calhoun County
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
1,151
19%
$10.75
$559
1.4
Charleston County
$17.23
$896
$35,840
2.4
$61,900
$1,548
$18,570
$464
54,417
39%
$12.02
$625
1.4
Cherokee County
$12.19
$634
$25,360
1.7
$47,300
$1,183
$14,190
$355
7,215
34%
$11.08
$576
1.1
Chester County
$12.19
$634
$25,360
1.7
$42,700
$1,068
$12,810
$320
2,953
24%
$10.81
$562
1.1
Metropolitan Areas
Counties
1: BR = Bedroom
185
South Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Chesterfield County
$12.19
$634
$25,360
1.7
$43,400
$1,085
$13,020
$326
5,062
29%
$9.36
$487
1.3
Clarendon County
$12.19
$634
$25,360
1.7
$42,800
$1,070
$12,840
$321
3,456
28%
$6.96
$362
1.8
Colleton County
$13.62
$708
$28,320
1.9
$42,900
$1,073
$12,870
$322
3,912
26%
$9.58
$498
1.4
Darlington County
$12.63
$657
$26,280
1.7
$49,800
$1,245
$14,940
$374
7,488
28%
$11.01
$573
1.1
Dillon County
$12.19
$634
$25,360
1.7
$31,900
$798
$9,570
$239
4,363
37%
$9.34
$485
1.3
Dorchester County
$17.23
$896
$35,840
2.4
$61,900
$1,548
$18,570
$464
13,675
28%
$9.74
$507
1.8
Edgefield County
$14.04
$730
$29,200
1.9
$55,900
$1,398
$16,770
$419
1,914
21%
$5.83
$303
2.4
Fairfield County
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
2,575
27%
$11.67
$607
1.3
Florence County
$12.50
$650
$26,000
1.7
$50,800
$1,270
$15,240
$381
17,349
34%
$10.43
$542
1.2
Georgetown County
$13.88
$722
$28,880
1.9
$56,700
$1,418
$17,010
$425
4,911
22%
$9.33
$485
1.5
Greenville County
$14.13
$735
$29,400
1.9
$58,200
$1,455
$17,460
$437
56,635
33%
$11.62
$604
1.2
Greenwood County
$12.19
$634
$25,360
1.7
$52,200
$1,305
$15,660
$392
8,626
33%
$9.94
$517
1.2
Hampton County
$12.19
$634
$25,360
1.7
$43,800
$1,095
$13,140
$329
1,792
25%
$9.52
$495
1.3
Horry County
$15.48
$805
$32,200
2.1
$49,300
$1,233
$14,790
$370
34,524
30%
$9.04
$470
1.7
Jasper County
$14.12
$734
$29,360
1.9
$45,000
$1,125
$13,500
$338
2,090
26%
$13.69
$712
1.0
Kershaw County
$12.31
$640
$25,600
1.7
$54,200
$1,355
$16,260
$407
5,260
22%
$10.23
$532
1.2
Lancaster County
$12.48
$649
$25,960
1.7
$52,600
$1,315
$15,780
$395
7,324
25%
$10.08
$524
1.2
Laurens County
$12.19
$634
$25,360
1.7
$44,900
$1,123
$13,470
$337
7,147
29%
$10.27
$534
1.2
Lee County
$12.19
$634
$25,360
1.7
$43,200
$1,080
$12,960
$324
1,818
28%
$11.77
$612
1.0
Lexington County
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
26,205
25%
$10.21
$531
1.5
Marion County
$12.19
$634
$25,360
1.7
$42,100
$1,053
$12,630
$316
3,947
33%
$7.59
$395
1.6
Marlboro County
$12.19
$634
$25,360
1.7
$33,600
$840
$10,080
$252
3,505
35%
$12.07
$628
1.0
McCormick County
$12.19
$634
$25,360
1.7
$48,100
$1,203
$14,430
$361
854
21%
Newberry County
$13.56
$705
$28,200
1.9
$55,100
$1,378
$16,530
$413
3,921
28%
$8.74
$454
1.6
Oconee County
$12.19
$634
$25,360
1.7
$54,800
$1,370
$16,440
$411
7,659
25%
$12.19
$634
1.0
Orangeburg County
$12.96
$674
$26,960
1.8
$42,700
$1,068
$12,810
$320
10,965
32%
$7.86
$409
1.6
Pickens County
$14.13
$735
$29,400
1.9
$58,200
$1,455
$17,460
$437
13,180
30%
$8.62
$448
1.6
Richland County
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
56,372
39%
$12.63
$657
1.2
Saluda County
$15.25
$793
$31,720
2.1
$58,000
$1,450
$17,400
$435
1,789
26%
$8.66
$450
1.8
Spartanburg County
$13.04
$678
$27,120
1.8
$52,500
$1,313
$15,750
$394
32,530
30%
$11.51
$598
1.1
Sumter County
$14.79
$769
$30,760
2.0
$51,100
$1,278
$15,330
$383
13,197
34%
$11.24
$585
1.3
1: BR = Bedroom
186
South Carolina
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Union County
$12.33
$641
$25,640
1.7
$44,400
$1,110
$13,320
$333
3,247
27%
$9.03
$469
Williamsburg County
$12.19
$634
$25,360
1.7
$36,800
$920
$11,040
$276
2,995
26%
$9.52
$495
1.3
York County
$15.63
$813
$32,520
2.2
$64,200
$1,605
$19,260
$482
24,160
28%
$10.89
$566
1.4
1.4
1: BR = Bedroom
187
South Dakota
In South Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is $680. In order to afford this level of
Wage of:
$13.09
In South Dakota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 72 hours per week, 52 weeks per year. Or a household must
affordable.
In South Dakota, the estimated mean (average) wage for a renter is $10.11. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$154
$680
Two-Bedroom FMR
$1,607

$526
$482
$198
Minimum Wage Earner
$303
SSI Recipient
$464
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
188
South Dakota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
South Dakota
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$13.09
$680
$27,219
1.8
$64,284
$1,607
$19,285
$482
100,585
31%
$10.11
$526
1.3
$11.80
$614
$24,550
1.6
$60,220
$1,505
$18,066
$452
53,496
31%
$8.72
$453
1.4
Meade County HMFA
$12.60
$655
$26,200
1.7
$60,500
$1,513
$18,150
$454
2,902
29%
$8.83
$459
1.4
Rapid City HMFA
$14.92
$776
$31,040
2.1
$66,100
$1,653
$19,830
$496
14,019
35%
$9.72
$505
1.5
Sioux City MSA
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
1,457
25%
$15.60
$811
0.9
Sioux Falls MSA
$14.62
$760
$30,400
2.0
$72,200
$1,805
$21,660
$542
28,711
32%
$11.58
$602
1.3
Aurora County
$12.46
$648
$25,920
1.7
$61,800
$1,545
$18,540
$464
216
20%
$8.10
$421
1.5
Beadle County
$11.42
$594
$23,760
1.6
$60,200
$1,505
$18,060
$452
2,423
33%
$11.42
$594
1.0
Bennett County
$11.42
$594
$23,760
1.6
$36,400
$910
$10,920
$273
482
44%
$7.24
$376
1.6
Bon Homme County
$11.42
$594
$23,760
1.6
$57,200
$1,430
$17,160
$429
486
19%
$5.59
$291
2.0
Brookings County
$12.00
$624
$24,960
1.7
$66,600
$1,665
$19,980
$500
4,798
41%
$8.76
$456
1.4
Brown County
$11.98
$623
$24,920
1.7
$64,400
$1,610
$19,320
$483
4,468
29%
$9.52
$495
1.3
Brule County
$11.42
$594
$23,760
1.6
$62,200
$1,555
$18,660
$467
642
31%
$6.64
$345
1.7
Buffalo County
$13.31
$692
$27,680
1.8
$30,900
$773
$9,270
$232
336
59%
Butte County
$11.42
$594
$23,760
1.6
$55,500
$1,388
$16,650
$416
1,030
26%
$7.95
$413
1.4
Campbell County
$11.42
$594
$23,760
1.6
$52,600
$1,315
$15,780
$395
115
18%
$9.79
$509
1.2
Charles Mix County
$11.42
$594
$23,760
1.6
$51,700
$1,293
$15,510
$388
923
29%
$7.46
$388
1.5
Clark County
$11.42
$594
$23,760
1.6
$60,400
$1,510
$18,120
$453
283
21%
$6.08
$316
1.9
Clay County
$12.50
$650
$26,000
1.7
$66,300
$1,658
$19,890
$497
2,272
44%
$6.46
$336
1.9
Codington County
$11.46
$596
$23,840
1.6
$64,200
$1,605
$19,260
$482
3,298
28%
$9.06
$471
1.3
Corson County
$11.42
$594
$23,760
1.6
$39,500
$988
$11,850
$296
523
45%
$11.63
$605
1.0
Custer County
$13.56
$705
$28,200
1.9
$61,000
$1,525
$18,300
$458
826
23%
$8.70
$452
1.6
Davison County
$12.35
$642
$25,680
1.7
$61,900
$1,548
$18,570
$464
2,981
36%
$10.15
$528
1.2
Day County
$11.42
$594
$23,760
1.6
$51,500
$1,288
$15,450
$386
706
29%
$6.91
$359
1.7
Deuel County
$11.42
$594
$23,760
1.6
$60,800
$1,520
$18,240
$456
288
16%
$10.02
$521
1.1
Dewey County
$11.42
$594
$23,760
1.6
$38,900
$973
$11,670
$292
747
43%
$6.65
$346
1.7
Douglas County
$11.42
$594
$23,760
1.6
$56,500
$1,413
$16,950
$424
273
22%
$9.23
$480
1.2
Metropolitan Areas
Counties
1: BR = Bedroom
189
South Dakota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Edmunds County
$12.62
$656
$26,240
1.7
$61,700
$1,543
$18,510
$463
337
21%
$10.64
$553
1.2
Fall River County
$14.25
$741
$29,640
2.0
$56,700
$1,418
$17,010
$425
963
31%
$6.64
$345
2.1
Faulk County
$11.42
$594
$23,760
1.6
$57,800
$1,445
$17,340
$434
200
21%
$8.42
$438
1.4
Grant County
$11.42
$594
$23,760
1.6
$60,700
$1,518
$18,210
$455
749
24%
$9.07
$472
1.3
Gregory County
$11.42
$594
$23,760
1.6
$46,000
$1,150
$13,800
$345
487
25%
$6.27
$326
1.8
Haakon County
$11.42
$594
$23,760
1.6
$73,400
$1,835
$22,020
$551
161
21%
$12.34
$642
0.9
Hamlin County
$11.42
$594
$23,760
1.6
$61,200
$1,530
$18,360
$459
432
21%
$7.99
$415
1.4
Hand County
$11.42
$594
$23,760
1.6
$54,100
$1,353
$16,230
$406
407
28%
$9.70
$504
1.2
Hanson County
$11.54
$600
$24,000
1.6
$55,700
$1,393
$16,710
$418
169
16%
$11.76
$611
1.0
Harding County
$11.42
$594
$23,760
1.6
$59,500
$1,488
$17,850
$446
128
24%
$14.51
$755
0.8
Hughes County
$12.31
$640
$25,600
1.7
$81,700
$2,043
$24,510
$613
2,103
30%
$7.66
$399
1.6
Hutchinson County
$11.42
$594
$23,760
1.6
$60,300
$1,508
$18,090
$452
571
19%
$7.23
$376
1.6
Hyde County
$11.42
$594
$23,760
1.6
$59,600
$1,490
$17,880
$447
118
21%
$15.03
$782
0.8
Jackson County
$11.42
$594
$23,760
1.6
$49,600
$1,240
$14,880
$372
384
37%
$7.20
$375
1.6
Jerauld County
$11.42
$594
$23,760
1.6
$52,400
$1,310
$15,720
$393
266
30%
$9.56
$497
1.2
Jones County
$11.42
$594
$23,760
1.6
$66,300
$1,658
$19,890
$497
126
29%
$4.94
$257
2.3
Kingsbury County
$11.42
$594
$23,760
1.6
$62,600
$1,565
$18,780
$470
550
24%
$9.80
$509
1.2
Lake County
$11.42
$594
$23,760
1.6
$62,700
$1,568
$18,810
$470
1,324
29%
$7.63
$397
1.5
Lawrence County
$11.69
$608
$24,320
1.6
$66,600
$1,665
$19,980
$500
3,755
35%
$7.88
$410
1.5
1.4
Lincoln County
$14.62
$760
$30,400
2.0
$72,200
$1,805
$21,660
$542
3,894
23%
$10.14
$527
Lyman County
$11.42
$594
$23,760
1.6
$54,100
$1,353
$16,230
$406
519
37%
$6.96
$362
1.6
Marshall County
$11.42
$594
$23,760
1.6
$58,800
$1,470
$17,640
$441
431
25%
$11.23
$584
1.0
McCook County
$14.62
$760
$30,400
2.0
$72,200
$1,805
$21,660
$542
443
20%
$9.33
$485
1.6
McPherson County
$11.42
$594
$23,760
1.6
$46,800
$1,170
$14,040
$351
238
22%
$8.96
$466
1.3
Meade County
$12.60
$655
$26,200
1.7
$60,500
$1,513
$18,150
$454
2,902
29%
$8.83
$459
1.4
Mellette County
$11.42
$594
$23,760
1.6
$37,100
$928
$11,130
$278
252
39%
$7.65
$398
1.5
Miner County
$11.42
$594
$23,760
1.6
$56,100
$1,403
$16,830
$421
219
20%
$9.21
$479
1.2
Minnehaha County
$14.62
$760
$30,400
2.0
$72,200
$1,805
$21,660
$542
23,711
35%
$11.85
$616
1.2
Moody County
$11.42
$594
$23,760
1.6
$63,300
$1,583
$18,990
$475
735
28%
$13.28
$690
0.9
Pennington County
$14.92
$776
$31,040
2.1
$66,100
$1,653
$19,830
$496
14,019
35%
$9.72
$505
1.5
Perkins County
$12.31
$640
$25,600
1.7
$54,500
$1,363
$16,350
$409
395
30%
$8.50
$442
1.4
1: BR = Bedroom
190
South Dakota
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Potter County
$11.42
$594
$23,760
1.6
$57,200
$1,430
$17,160
$429
184
19%
$8.31
$432
1.4
Roberts County
$11.42
$594
$23,760
1.6
$50,300
$1,258
$15,090
$377
1,036
29%
$7.33
$381
1.6
Sanborn County
$11.42
$594
$23,760
1.6
$61,400
$1,535
$18,420
$461
256
25%
$8.50
$442
1.3
Shannon County
$11.42
$594
$23,760
1.6
$26,900
$673
$8,070
$202
1,363
48%
$11.47
$596
1.0
Spink County
$11.42
$594
$23,760
1.6
$64,800
$1,620
$19,440
$486
657
25%
$8.27
$430
1.4
Stanley County
$13.56
$705
$28,200
1.9
$58,800
$1,470
$17,640
$441
234
18%
$8.59
$447
1.6
Sully County
$13.12
$682
$27,280
1.8
$64,500
$1,613
$19,350
$484
141
24%
$11.98
$623
1.1
Todd County
$11.42
$594
$23,760
1.6
$31,800
$795
$9,540
$239
1,407
53%
$11.74
$610
1.0
Tripp County
$11.42
$594
$23,760
1.6
$50,800
$1,270
$15,240
$381
712
28%
$8.17
$425
1.4
Turner County
$14.62
$760
$30,400
2.0
$72,200
$1,805
$21,660
$542
663
19%
$8.28
$431
1.8
Union County
$13.38
$696
$27,840
1.8
$58,500
$1,463
$17,550
$439
1,457
25%
$15.60
$811
0.9
Walworth County
$11.42
$594
$23,760
1.6
$53,200
$1,330
$15,960
$399
650
29%
$7.89
$410
1.4
Yankton County
$11.42
$594
$23,760
1.6
$68,500
$1,713
$20,550
$514
2,346
27%
$6.66
$346
1.7
Ziebach County
$11.42
$594
$23,760
1.6
$29,100
$728
$8,730
$218
375
46%
$8.44
$439
1.4
1: BR = Bedroom
191
Tennessee
In Tennessee, the Fair Market Rent (FMR) for a two-bedroom apartment is $729. In order to afford this level of rent
Wage of:
$14.02
In Tennessee, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Tennessee, the estimated mean (average) wage for a renter is $12.50. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 45 hours per week, 52 weeks per year. Or, working 40 hours per
$729
Two-Bedroom FMR
$1,383

$650

$415
$314
Minimum Wage Earner
$352
SSI Recipient
$513
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$79
$216
$0
$500
$1,000
$1,500
192
Tennessee
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Tennessee
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.02
$729
$29,171
1.9
$55,309
$1,383
$16,593
$415
781,141
32%
$12.50
$650
1.1
$11.37
$591
$23,646
1.6
$47,379
$1,184
$14,214
$355
181,024
27%
$9.61
$500
1.2
Chattanooga MSA
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
51,039
34%
$11.23
$584
1.2
Clarksville HMFA
$14.75
$767
$30,680
2.0
$54,100
$1,353
$16,230
$406
23,285
37%
$10.74
$559
1.4
Cleveland MSA
$12.48
$649
$25,960
1.7
$53,700
$1,343
$16,110
$403
13,661
31%
$11.08
$576
1.1
Hickman County HMFA
$12.15
$632
$25,280
1.7
$53,200
$1,330
$15,960
$399
1,657
19%
$7.25
$377
1.7
Jackson MSA
$13.17
$685
$27,400
1.8
$51,400
$1,285
$15,420
$386
13,578
32%
$8.85
$460
1.5
Johnson City MSA
$12.42
$646
$25,840
1.7
$51,300
$1,283
$15,390
$385
25,236
30%
$9.36
$486
1.3
Kingsport-Bristol-Bristol MSA
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
22,387
25%
$11.99
$623
1.0
Knoxville MSA
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
89,955
31%
$11.75
$611
1.3
Macon County HMFA
$10.83
$563
$22,520
1.5
$42,700
$1,068
$12,810
$320
2,294
27%
$9.83
$511
1.1
Memphis HMFA
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
144,331
38%
$14.26
$742
1.1
Morristown MSA
$12.25
$637
$25,480
1.7
$46,200
$1,155
$13,860
$347
13,457
25%
$10.68
$555
1.1
Nashville-Davidson--Murfreesboro--Franklin MSA
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
196,393
34%
$14.74
$766
1.1
Smith County HMFA
$11.02
$573
$22,920
1.5
$54,700
$1,368
$16,410
$410
1,813
25%
$7.11
$370
1.5
Stewart County HMFA
$10.83
$563
$22,520
1.5
$55,100
$1,378
$16,530
$413
1,031
20%
$8.07
$420
1.3
Anderson County
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
9,500
31%
$14.24
$741
1.0
Bedford County
$11.85
$616
$24,640
1.6
$49,300
$1,233
$14,790
$370
4,978
31%
$9.64
$501
1.2
Benton County
$10.83
$563
$22,520
1.5
$41,500
$1,038
$12,450
$311
1,424
20%
$7.07
$367
1.5
Bledsoe County
$10.83
$563
$22,520
1.5
$38,700
$968
$11,610
$290
974
21%
$7.07
$368
1.5
Blount County
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
12,581
26%
$12.38
$644
1.2
Bradley County
$12.48
$649
$25,960
1.7
$53,700
$1,343
$16,110
$403
12,405
33%
$11.28
$587
1.1
Campbell County
$10.83
$563
$22,520
1.5
$39,700
$993
$11,910
$298
4,842
30%
$7.92
$412
1.4
Cannon County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
1,180
22%
$9.51
$494
1.7
Carroll County
$10.83
$563
$22,520
1.5
$47,400
$1,185
$14,220
$356
2,456
23%
$8.90
$463
1.2
Carter County
$12.42
$646
$25,840
1.7
$51,300
$1,283
$15,390
$385
6,413
27%
$8.39
$436
1.5
Cheatham County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
2,712
19%
$10.80
$562
1.5
Metropolitan Areas
Counties
1: BR = Bedroom
193
Tennessee
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Chester County
$13.17
$685
$27,400
1.8
$51,400
$1,285
$15,420
$386
1,595
26%
$9.00
$468
1.5
Claiborne County
$10.83
$563
$22,520
1.5
$44,100
$1,103
$13,230
$331
2,923
23%
$8.11
$422
1.3
Clay County
$10.83
$563
$22,520
1.5
$44,200
$1,105
$13,260
$332
755
23%
$7.37
$383
1.5
Cocke County
$10.83
$563
$22,520
1.5
$39,600
$990
$11,880
$297
4,264
29%
$8.24
$428
1.3
Coffee County
$11.83
$615
$24,600
1.6
$51,100
$1,278
$15,330
$383
6,626
31%
$10.49
$546
1.1
Crockett County
$11.19
$582
$23,280
1.5
$45,900
$1,148
$13,770
$344
1,653
30%
$12.96
$674
0.9
Cumberland County
$11.31
$588
$23,520
1.6
$45,800
$1,145
$13,740
$344
4,935
21%
$8.41
$437
1.3
Davidson County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
114,082
45%
$16.76
$872
1.0
Decatur County
$10.83
$563
$22,520
1.5
$49,900
$1,248
$14,970
$374
1,075
21%
$9.25
$481
1.2
DeKalb County
$10.83
$563
$22,520
1.5
$48,200
$1,205
$14,460
$362
1,888
27%
$8.85
$460
1.2
Dickson County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
5,006
27%
$9.54
$496
1.7
Dyer County
$11.10
$577
$23,080
1.5
$48,900
$1,223
$14,670
$367
5,363
36%
$11.10
$577
1.0
Fayette County
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
2,605
18%
$8.17
$425
1.8
Fentress County
$10.83
$563
$22,520
1.5
$41,300
$1,033
$12,390
$310
1,634
22%
$7.72
$401
1.4
Franklin County
$11.21
$583
$23,320
1.5
$53,600
$1,340
$16,080
$402
3,746
23%
$9.57
$498
1.2
Gibson County
$10.83
$563
$22,520
1.5
$51,100
$1,278
$15,330
$383
5,323
27%
$9.38
$488
1.2
Giles County
$11.90
$619
$24,760
1.6
$48,200
$1,205
$14,460
$362
3,039
26%
$7.11
$370
1.7
Grainger County
$12.25
$637
$25,480
1.7
$46,200
$1,155
$13,860
$347
1,632
18%
$8.70
$452
1.4
Greene County
$11.23
$584
$23,360
1.5
$43,400
$1,085
$13,020
$326
7,748
27%
$10.47
$545
1.1
Grundy County
$10.83
$563
$22,520
1.5
$35,600
$890
$10,680
$267
1,098
21%
$8.00
$416
1.4
Hamblen County
$12.25
$637
$25,480
1.7
$46,200
$1,155
$13,860
$347
6,987
29%
$10.75
$559
1.1
Hamilton County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
46,840
35%
$11.37
$591
1.1
Hancock County
$10.83
$563
$22,520
1.5
$32,100
$803
$9,630
$241
779
27%
Hardeman County
$10.83
$563
$22,520
1.5
$45,000
$1,125
$13,500
$338
2,502
28%
$9.53
$496
1.1
Hardin County
$10.83
$563
$22,520
1.5
$39,500
$988
$11,850
$296
2,335
23%
$9.42
$490
1.1
Hawkins County
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
5,551
24%
$11.18
$581
1.1
Haywood County
$12.27
$638
$25,520
1.7
$43,200
$1,080
$12,960
$324
2,657
37%
$11.56
$601
1.1
Henderson County
$10.87
$565
$22,600
1.5
$48,000
$1,200
$14,400
$360
2,591
23%
$11.01
$573
1.0
Henry County
$11.13
$579
$23,160
1.5
$49,600
$1,240
$14,880
$372
3,380
25%
$9.92
$516
1.1
Hickman County
$12.15
$632
$25,280
1.7
$53,200
$1,330
$15,960
$399
1,657
19%
$7.25
$377
1.7
Houston County
$10.83
$563
$22,520
1.5
$45,800
$1,145
$13,740
$344
1,016
29%
$8.96
$466
1.2
1: BR = Bedroom
194
Tennessee
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Humphreys County
$10.83
$563
$22,520
1.5
$51,700
$1,293
$15,510
$388
1,793
24%
$12.21
$635
Jackson County
$10.83
$563
$22,520
1.5
$41,500
$1,038
$12,450
$311
1,087
24%
$7.82
$407
0.9
1.4
Jefferson County
$12.25
$637
$25,480
1.7
$46,200
$1,155
$13,860
$347
4,838
25%
$10.94
$569
1.1
Johnson County
$10.83
$563
$22,520
1.5
$37,900
$948
$11,370
$284
1,636
23%
$12.31
$640
0.9
Knox County
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
61,981
34%
$11.31
$588
1.3
Lake County
$10.83
$563
$22,520
1.5
$40,000
$1,000
$12,000
$300
1,034
44%
$6.90
$359
1.6
Lauderdale County
$10.83
$563
$22,520
1.5
$41,200
$1,030
$12,360
$309
3,412
35%
$11.58
$602
0.9
Lawrence County
$10.83
$563
$22,520
1.5
$46,000
$1,150
$13,800
$345
3,888
24%
$8.95
$465
1.2
Lewis County
$10.83
$563
$22,520
1.5
$43,700
$1,093
$13,110
$328
1,216
26%
$7.00
$364
1.5
Lincoln County
$10.83
$563
$22,520
1.5
$53,600
$1,340
$16,080
$402
3,428
26%
$8.67
$451
1.2
Loudon County
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
4,357
22%
$9.93
$516
1.5
Macon County
$10.83
$563
$22,520
1.5
$42,700
$1,068
$12,810
$320
2,294
27%
$9.83
$511
1.1
Madison County
$13.17
$685
$27,400
1.8
$51,400
$1,285
$15,420
$386
11,983
33%
$8.84
$460
1.5
Marion County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
2,874
26%
$8.47
$441
1.5
Marshall County
$12.52
$651
$26,040
1.7
$51,900
$1,298
$15,570
$389
3,132
27%
$9.24
$481
1.4
Maury County
$11.88
$618
$24,720
1.6
$53,100
$1,328
$15,930
$398
9,365
29%
$10.96
$570
1.1
McMinn County
$11.25
$585
$23,400
1.6
$50,500
$1,263
$15,150
$379
5,417
26%
$10.52
$547
1.1
McNairy County
$10.83
$563
$22,520
1.5
$44,600
$1,115
$13,380
$335
2,689
27%
$8.10
$421
1.3
Meigs County
$10.83
$563
$22,520
1.5
$49,200
$1,230
$14,760
$369
840
18%
$9.23
$480
1.2
Monroe County
$10.83
$563
$22,520
1.5
$45,400
$1,135
$13,620
$341
4,649
27%
$10.36
$538
1.0
Montgomery County
$14.75
$767
$30,680
2.0
$54,100
$1,353
$16,230
$406
23,285
37%
$10.74
$559
1.4
Moore County
$11.56
$601
$24,040
1.6
$62,100
$1,553
$18,630
$466
368
15%
$13.45
$699
0.9
Morgan County
$10.83
$563
$22,520
1.5
$47,900
$1,198
$14,370
$359
1,499
20%
$12.17
$633
0.9
Obion County
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
3,726
30%
$8.72
$454
1.2
Overton County
$10.83
$563
$22,520
1.5
$44,600
$1,115
$13,380
$335
1,712
19%
$8.98
$467
1.2
Perry County
$10.83
$563
$22,520
1.5
$43,400
$1,085
$13,020
$326
918
28%
$8.64
$449
1.3
Pickett County
$10.83
$563
$22,520
1.5
$46,800
$1,170
$14,040
$351
607
25%
$8.30
$432
1.3
Polk County
$12.48
$649
$25,960
1.7
$53,700
$1,343
$16,110
$403
1,256
19%
$7.11
$370
1.8
Putnam County
$11.50
$598
$23,920
1.6
$47,700
$1,193
$14,310
$358
10,158
36%
$8.10
$421
1.4
Rhea County
$10.83
$563
$22,520
1.5
$47,300
$1,183
$14,190
$355
3,473
29%
$8.07
$420
1.3
Roane County
$11.69
$608
$24,320
1.6
$54,700
$1,368
$16,410
$410
5,748
26%
$15.19
$790
0.8
1: BR = Bedroom
195
Tennessee
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Robertson County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
5,601
23%
$9.55
$496
1.7
Rutherford County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
30,327
32%
$12.92
$672
1.3
Scott County
$10.83
$563
$22,520
1.5
$41,600
$1,040
$12,480
$312
1,959
23%
$7.27
$378
1.5
Sequatchie County
$13.06
$679
$27,160
1.8
$54,200
$1,355
$16,260
$407
1,325
24%
$8.31
$432
1.6
Sevier County
$13.90
$723
$28,920
1.9
$53,400
$1,335
$16,020
$401
12,401
33%
$8.89
$463
1.6
Shelby County
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
136,157
40%
$14.48
$753
1.0
Smith County
$11.02
$573
$22,920
1.5
$54,700
$1,368
$16,410
$410
1,813
25%
$7.11
$370
1.5
Stewart County
$10.83
$563
$22,520
1.5
$55,100
$1,378
$16,530
$413
1,031
20%
$8.07
$420
1.3
Sullivan County
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
16,836
25%
$12.11
$630
1.0
Sumner County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
16,520
27%
$11.11
$578
1.5
Tipton County
$15.00
$780
$31,200
2.1
$56,700
$1,418
$17,010
$425
5,569
26%
$7.56
$393
2.0
Trousdale County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
644
23%
$8.56
$445
1.9
Unicoi County
$12.42
$646
$25,840
1.7
$51,300
$1,283
$15,390
$385
1,767
23%
$11.56
$601
1.1
Union County
$14.88
$774
$30,960
2.1
$60,500
$1,513
$18,150
$454
1,536
21%
$11.25
$585
1.3
Van Buren County
$10.83
$563
$22,520
1.5
$39,500
$988
$11,850
$296
323
16%
$8.82
$459
1.2
Warren County
$10.83
$563
$22,520
1.5
$45,400
$1,135
$13,620
$341
4,487
29%
$9.18
$477
1.2
Washington County
$12.42
$646
$25,840
1.7
$51,300
$1,283
$15,390
$385
17,056
33%
$9.33
$485
1.3
Wayne County
$10.83
$563
$22,520
1.5
$46,300
$1,158
$13,890
$347
971
16%
$6.27
$326
1.7
Weakley County
$10.83
$563
$22,520
1.5
$48,700
$1,218
$14,610
$365
4,864
35%
$8.09
$421
1.3
White County
$11.42
$594
$23,760
1.6
$42,600
$1,065
$12,780
$320
2,220
23%
$8.62
$448
1.3
Williamson County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
11,860
18%
$13.44
$699
1.2
Wilson County
$16.37
$851
$34,040
2.3
$64,000
$1,600
$19,200
$480
8,461
20%
$9.59
$499
1.7
1: BR = Bedroom
196
Texas
In Texas, the Fair Market Rent (FMR) for a two-bedroom apartment is $872. In order to afford this level of rent and
$16.77
In Texas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Texas, the estimated mean (average) wage for a renter is $15.99. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$40
$872
Two-Bedroom FMR
$1,539

$832

$462
$410
Minimum Wage Earner
$495
SSI Recipient
$656
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
197
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Texas
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$16.77
$872
$34,876
2.3
$61,566
$1,539
$18,470
$462
3,173,591
36%
$15.99
$832
1.0
$13.07
$680
$27,183
1.8
$51,924
$1,298
$15,577
$389
296,815
27%
$12.25
$637
1.1
Abilene MSA
$15.19
$790
$31,600
2.1
$52,500
$1,313
$15,750
$394
21,009
35%
$11.37
$591
1.3
Amarillo MSA
$14.15
$736
$29,440
2.0
$63,400
$1,585
$19,020
$476
32,317
35%
$12.98
$675
1.1
Aransas County HMFA
$13.50
$702
$28,080
1.9
$54,900
$1,373
$16,470
$412
2,313
24%
$9.07
$472
1.5
Atascosa County HMFA
$13.25
$689
$27,560
1.8
$52,600
$1,315
$15,780
$395
3,538
24%
$12.94
$673
1.0
Austin County HMFA
$13.46
$700
$28,000
1.9
$67,500
$1,688
$20,250
$506
2,518
24%
$15.52
$807
0.9
Austin-Round Rock MSA *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
270,149
42%
$16.76
$871
1.2
Beaumont-Port Arthur MSA
$15.50
$806
$32,240
2.1
$53,900
$1,348
$16,170
$404
44,407
31%
$15.05
$782
1.0
Brazoria County HMFA
$15.92
$828
$33,120
2.2
$75,800
$1,895
$22,740
$569
26,981
25%
$14.42
$750
1.1
Brownsville-Harlingen MSA
$13.00
$676
$27,040
1.8
$36,000
$900
$10,800
$270
37,829
32%
$8.10
$421
1.6
Calhoun County HMFA
$13.65
$710
$28,400
1.9
$55,500
$1,388
$16,650
$416
2,234
29%
$19.69
$1,024
0.7
College Station-Bryan MSA
$16.69
$868
$34,720
2.3
$57,500
$1,438
$17,250
$431
39,897
49%
$9.95
$518
1.7
Corpus Christi HMFA
$16.13
$839
$33,560
2.2
$52,600
$1,315
$15,780
$395
56,910
39%
$13.67
$711
1.2
Dallas HMFA
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
598,162
40%
$18.75
$975
0.9
El Paso MSA
$14.37
$747
$29,880
2.0
$44,800
$1,120
$13,440
$336
94,262
37%
$9.82
$511
1.5
Fort Worth-Arlington HMFA *
$18.04
$938
$37,520
2.5
$65,800
$1,645
$19,740
$494
267,157
36%
$14.33
$745
1.3
Houston-Baytown-Sugar Land HMFA *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
734,674
38%
$19.80
$1,030
0.9
Kendall County HMFA
$16.23
$844
$33,760
2.2
$86,900
$2,173
$26,070
$652
3,101
24%
$10.61
$552
1.5
Killeen-Temple-Fort Hood HMFA
$14.12
$734
$29,360
1.9
$58,900
$1,473
$17,670
$442
53,088
43%
$12.81
$666
1.1
Lampasas County HMFA
$12.25
$637
$25,480
1.7
$59,100
$1,478
$17,730
$443
1,702
24%
$8.45
$440
1.4
Laredo MSA
$14.94
$777
$31,080
2.1
$39,000
$975
$11,700
$293
24,335
36%
$8.85
$460
1.7
Longview HMFA
$15.35
$798
$31,920
2.1
$55,300
$1,383
$16,590
$415
19,695
33%
$14.55
$757
1.1
Lubbock MSA
$14.88
$774
$30,960
2.1
$58,900
$1,473
$17,670
$442
43,310
40%
$10.04
$522
1.5
McAllen-Edinburg-Mission MSA
$12.60
$655
$26,200
1.7
$35,000
$875
$10,500
$263
66,425
31%
$7.90
$411
1.6
Medina County HMFA
$13.33
$693
$27,720
1.8
$62,200
$1,555
$18,660
$467
3,539
23%
$7.90
$411
1.7
Midland MSA
$17.98
$935
$37,400
2.5
$70,200
$1,755
$21,060
$527
15,458
31%
$19.35
$1,006
0.9
Odessa MSA
$19.08
$992
$39,680
2.6
$60,300
$1,508
$18,090
$452
16,555
34%
$17.87
$929
1.1
Rusk County HMFA
$13.12
$682
$27,280
1.8
$58,700
$1,468
$17,610
$440
4,240
23%
$15.51
$806
0.8
Metropolitan Areas
1: BR = Bedroom
198
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
San Angelo MSA
$14.04
$730
$29,200
1.9
$56,100
$1,403
$16,830
$421
14,825
35%
$11.30
$587
1.2
San Antonio HMFA
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
257,522
36%
$12.78
$664
1.3
Sherman-Denison MSA
$15.50
$806
$32,240
2.1
$58,700
$1,468
$17,610
$440
14,459
31%
$12.53
$652
1.2
Texarkana MSA
$13.54
$704
$28,160
1.9
$53,300
$1,333
$15,990
$400
11,344
33%
$9.68
$503
1.4
Tyler MSA
$16.83
$875
$35,000
2.3
$54,600
$1,365
$16,380
$410
25,390
33%
$13.07
$679
1.3
Victoria HMFA
$14.06
$731
$29,240
1.9
$54,200
$1,355
$16,260
$407
11,447
33%
$12.04
$626
1.2
Waco MSA
$14.52
$755
$30,200
2.0
$51,700
$1,293
$15,510
$388
33,461
40%
$11.92
$620
1.2
Wichita Falls MSA
$13.69
$712
$28,480
1.9
$54,900
$1,373
$16,470
$412
18,442
33%
$11.65
$606
1.2
Wise County HMFA
$15.29
$795
$31,800
2.1
$70,400
$1,760
$21,120
$528
4,081
20%
$16.07
$835
1.0
Anderson County
$12.88
$670
$26,800
1.8
$54,200
$1,355
$16,260
$407
4,412
27%
$14.60
$759
0.9
Andrews County
$12.25
$637
$25,480
1.7
$63,300
$1,583
$18,990
$475
1,002
19%
$19.20
$999
0.6
Angelina County
$13.71
$713
$28,520
1.9
$45,900
$1,148
$13,770
$344
9,886
32%
$12.93
$672
1.1
Aransas County
$13.50
$702
$28,080
1.9
$54,900
$1,373
$16,470
$412
2,313
24%
$9.07
$472
1.5
Archer County
$13.69
$712
$28,480
1.9
$54,900
$1,373
$16,470
$412
650
20%
$9.35
$486
1.5
Armstrong County
$14.15
$736
$29,440
2.0
$63,400
$1,585
$19,020
$476
154
23%
$14.98
$779
0.9
Atascosa County
$13.25
$689
$27,560
1.8
$52,600
$1,315
$15,780
$395
3,538
24%
$12.94
$673
1.0
Austin County
$13.46
$700
$28,000
1.9
$67,500
$1,688
$20,250
$506
2,518
24%
$15.52
$807
0.9
Bailey County
$12.58
$654
$26,160
1.7
$54,500
$1,363
$16,350
$409
773
33%
$10.68
$556
1.2
Bandera County
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
1,838
22%
$7.62
$396
2.2
Bastrop County *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
5,441
21%
$8.28
$430
2.5
Baylor County
$12.25
$637
$25,480
1.7
$55,400
$1,385
$16,620
$416
451
26%
$8.79
$457
1.4
Bee County
$12.71
$661
$26,440
1.8
$46,000
$1,150
$13,800
$345
3,062
35%
$15.60
$811
0.8
Bell County
$14.12
$734
$29,360
1.9
$58,900
$1,473
$17,670
$442
44,579
43%
$12.86
$669
1.1
Bexar County
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
233,489
39%
$13.07
$680
1.3
Blanco County
$15.48
$805
$32,200
2.1
$67,000
$1,675
$20,100
$503
830
20%
$13.35
$694
1.2
Borden County
$12.56
$653
$26,120
1.7
$66,800
$1,670
$20,040
$501
86
36%
$11.74
$611
1.1
Bosque County
$12.25
$637
$25,480
1.7
$55,600
$1,390
$16,680
$417
1,580
23%
$10.39
$540
1.2
Bowie County
$13.54
$704
$28,160
1.9
$53,300
$1,333
$15,990
$400
11,344
33%
$9.68
$503
1.4
Brazoria County
$15.92
$828
$33,120
2.2
$75,800
$1,895
$22,740
$569
26,981
25%
$14.42
$750
1.1
Counties
1: BR = Bedroom
199
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Brazos County
$16.69
$868
$34,720
2.3
$57,500
$1,438
$17,250
$431
36,965
54%
$9.85
$512
1.7
Brewster County
$14.29
$743
$29,720
2.0
$59,600
$1,490
$17,880
$447
1,590
39%
$10.71
$557
1.3
Briscoe County
$12.25
$637
$25,480
1.7
$41,900
$1,048
$12,570
$314
93
14%
$5.89
$306
2.1
Brooks County
$12.25
$637
$25,480
1.7
$25,800
$645
$7,740
$194
830
34%
$10.06
$523
1.2
Brown County
$12.87
$669
$26,760
1.8
$51,200
$1,280
$15,360
$384
3,671
28%
$7.94
$413
1.6
Burleson County
$16.69
$868
$34,720
2.3
$57,500
$1,438
$17,250
$431
1,273
20%
$12.49
$650
1.3
Burnet County
$13.12
$682
$27,280
1.8
$59,400
$1,485
$17,820
$446
4,370
26%
$10.86
$565
1.2
Caldwell County *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
3,919
34%
$10.64
$553
1.9
Calhoun County
$13.65
$710
$28,400
1.9
$55,500
$1,388
$16,650
$416
2,234
29%
$19.69
$1,024
0.7
Callahan County
$15.19
$790
$31,600
2.1
$52,500
$1,313
$15,750
$394
908
18%
$11.22
$583
1.4
Cameron County
$13.00
$676
$27,040
1.8
$36,000
$900
$10,800
$270
37,829
32%
$8.10
$421
1.6
Camp County
$12.25
$637
$25,480
1.7
$45,400
$1,135
$13,620
$341
1,340
31%
$11.67
$607
1.0
Carson County
$14.15
$736
$29,440
2.0
$63,400
$1,585
$19,020
$476
240
10%
$30.36
$1,579
0.5
Cass County
$12.25
$637
$25,480
1.7
$48,200
$1,205
$14,460
$362
3,457
29%
$8.50
$442
1.4
Castro County
$12.25
$637
$25,480
1.7
$42,600
$1,065
$12,780
$320
828
32%
$14.63
$761
0.8
Chambers County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
1,801
15%
$15.18
$790
1.2
Cherokee County
$12.25
$637
$25,480
1.7
$48,100
$1,203
$14,430
$361
4,762
28%
$8.53
$443
1.4
Childress County
$12.77
$664
$26,560
1.8
$57,200
$1,430
$17,160
$429
558
23%
$6.69
$348
1.9
Clay County
$13.69
$712
$28,480
1.9
$54,900
$1,373
$16,470
$412
592
14%
$8.79
$457
1.6
Cochran County
$12.25
$637
$25,480
1.7
$48,700
$1,218
$14,610
$365
216
20%
$15.83
$823
0.8
Coke County
$12.25
$637
$25,480
1.7
$56,100
$1,403
$16,830
$421
390
28%
$10.16
$528
1.2
Coleman County
$12.25
$637
$25,480
1.7
$37,700
$943
$11,310
$283
1,112
32%
$8.30
$432
1.5
Collin County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
86,339
31%
$16.25
$845
1.1
Collingsworth County
$12.25
$637
$25,480
1.7
$46,500
$1,163
$13,950
$349
268
22%
$14.38
$748
0.9
Colorado County
$12.25
$637
$25,480
1.7
$56,400
$1,410
$16,920
$423
1,832
23%
$13.21
$687
0.9
Comal County
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
9,894
24%
$10.11
$526
1.6
Comanche County
$12.25
$637
$25,480
1.7
$50,800
$1,270
$15,240
$381
1,201
23%
$9.50
$494
1.3
Concho County
$19.56
$1,017
$40,680
2.7
$59,000
$1,475
$17,700
$443
182
20%
$7.43
$387
2.6
Cooke County
$15.63
$813
$32,520
2.2
$60,900
$1,523
$18,270
$457
4,366
30%
$14.94
$777
1.0
Coryell County
$14.12
$734
$29,360
1.9
$58,900
$1,473
$17,670
$442
8,509
42%
$12.41
$645
1.1
Cottle County
$12.25
$637
$25,480
1.7
$44,000
$1,100
$13,200
$330
149
21%
$12.73
$662
1.0
1: BR = Bedroom
200
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Crane County
$14.35
$746
$29,840
2.0
$57,700
$1,443
$17,310
$433
288
19%
$18.30
$952
0.8
Crockett County
$12.25
$637
$25,480
1.7
$53,800
$1,345
$16,140
$404
440
35%
$17.47
$909
0.7
Crosby County
$14.88
$774
$30,960
2.1
$58,900
$1,473
$17,670
$442
706
32%
$10.55
$548
1.4
Culberson County
$12.25
$637
$25,480
1.7
$43,500
$1,088
$13,050
$326
285
33%
$12.28
$639
1.0
Dallam County
$12.25
$637
$25,480
1.7
$54,500
$1,363
$16,350
$409
885
38%
$14.78
$769
0.8
Dallas County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
396,881
47%
$20.64
$1,073
0.9
Dawson County
$12.25
$637
$25,480
1.7
$47,800
$1,195
$14,340
$359
1,157
26%
$9.46
$492
1.3
Deaf Smith County
$12.27
$638
$25,520
1.7
$52,300
$1,308
$15,690
$392
2,219
35%
$14.13
$735
0.9
Delta County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
363
19%
$4.04
$210
4.3
Denton County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
81,152
34%
$11.93
$620
1.5
DeWitt County
$12.25
$637
$25,480
1.7
$55,900
$1,398
$16,770
$419
1,525
22%
$10.08
$524
1.2
Dickens County
$12.25
$637
$25,480
1.7
$51,900
$1,298
$15,570
$389
159
18%
$12.84
$668
1.0
Dimmit County
$12.25
$637
$25,480
1.7
$35,000
$875
$10,500
$263
1,018
30%
$12.51
$651
1.0
Donley County
$12.25
$637
$25,480
1.7
$64,000
$1,600
$19,200
$480
393
29%
$8.05
$418
1.5
Duval County
$13.62
$708
$28,320
1.9
$38,700
$968
$11,610
$290
983
26%
$16.11
$838
0.8
Eastland County
$12.25
$637
$25,480
1.7
$46,800
$1,170
$14,040
$351
2,055
29%
$14.94
$777
0.8
Ector County
$19.08
$992
$39,680
2.6
$60,300
$1,508
$18,090
$452
16,555
34%
$17.87
$929
1.1
Edwards County
$12.25
$637
$25,480
1.7
$47,100
$1,178
$14,130
$353
99
12%
$10.81
$562
1.1
El Paso County
$14.37
$747
$29,880
2.0
$44,800
$1,120
$13,440
$336
94,262
37%
$9.82
$511
1.5
1.6
Ellis County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
12,674
25%
$10.85
$564
Erath County
$13.35
$694
$27,760
1.8
$54,800
$1,370
$16,440
$411
5,723
40%
$8.47
$440
1.6
Falls County
$12.52
$651
$26,040
1.7
$44,300
$1,108
$13,290
$332
1,739
30%
$10.98
$571
1.1
Fannin County
$12.54
$652
$26,080
1.7
$56,000
$1,400
$16,800
$420
2,976
25%
$8.47
$441
1.5
Fayette County
$12.69
$660
$26,400
1.8
$59,700
$1,493
$17,910
$448
2,501
24%
$10.15
$528
1.3
Fisher County
$12.25
$637
$25,480
1.7
$55,600
$1,390
$16,680
$417
358
24%
$11.62
$604
1.1
Floyd County
$12.25
$637
$25,480
1.7
$45,900
$1,148
$13,770
$344
806
31%
$10.74
$559
1.1
Foard County
$12.25
$637
$25,480
1.7
$42,400
$1,060
$12,720
$318
170
32%
$6.25
$325
2.0
Fort Bend County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
38,039
21%
$14.19
$738
1.3
Franklin County
$12.25
$637
$25,480
1.7
$61,100
$1,528
$18,330
$458
812
19%
$9.28
$483
1.3
Freestone County
$15.10
$785
$31,400
2.1
$58,300
$1,458
$17,490
$437
1,614
23%
$12.35
$642
1.2
Frio County
$12.25
$637
$25,480
1.7
$42,700
$1,068
$12,810
$320
1,629
34%
$18.77
$976
0.7
1: BR = Bedroom
201
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Gaines County
$12.29
$639
$25,560
1.7
$53,900
$1,348
$16,170
$404
1,172
22%
$13.53
$703
0.9
Galveston County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
34,116
31%
$11.27
$586
1.6
Garza County
$12.25
$637
$25,480
1.7
$53,600
$1,340
$16,080
$402
422
25%
$11.20
$583
1.1
Gillespie County
$16.83
$875
$35,000
2.3
$65,600
$1,640
$19,680
$492
2,689
25%
$9.63
$501
1.7
Glasscock County
$12.56
$653
$26,120
1.7
$96,400
$2,410
$28,920
$723
132
31%
$14.19
$738
0.9
Goliad County
$14.06
$731
$29,240
1.9
$54,200
$1,355
$16,260
$407
654
21%
$7.86
$409
1.8
Gonzales County
$12.25
$637
$25,480
1.7
$47,500
$1,188
$14,250
$356
2,114
31%
$11.05
$575
1.1
Gray County
$12.25
$637
$25,480
1.7
$55,500
$1,388
$16,650
$416
2,115
25%
$15.88
$826
0.8
Grayson County
$15.50
$806
$32,240
2.1
$58,700
$1,468
$17,610
$440
14,459
31%
$12.53
$652
1.2
Gregg County
$15.35
$798
$31,920
2.1
$55,300
$1,383
$16,590
$415
16,534
37%
$14.79
$769
1.0
Grimes County
$12.25
$637
$25,480
1.7
$53,800
$1,345
$16,140
$404
2,085
24%
$17.22
$895
0.7
Guadalupe County
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
10,007
22%
$10.79
$561
1.5
Hale County
$12.25
$637
$25,480
1.7
$48,700
$1,218
$14,610
$365
4,214
36%
$10.77
$560
1.1
Hall County
$12.25
$637
$25,480
1.7
$38,700
$968
$11,610
$290
438
34%
$7.51
$391
1.6
Hamilton County
$12.25
$637
$25,480
1.7
$54,500
$1,363
$16,350
$409
693
22%
$11.53
$600
1.1
Hansford County
$12.25
$637
$25,480
1.7
$61,500
$1,538
$18,450
$461
392
20%
$21.41
$1,113
0.6
Hardeman County
$12.40
$645
$25,800
1.7
$42,800
$1,070
$12,840
$321
515
30%
$6.45
$335
1.9
Hardin County
$15.50
$806
$32,240
2.1
$53,900
$1,348
$16,170
$404
4,433
22%
$13.04
$678
1.2
Harris County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
607,243
43%
$20.93
$1,088
0.9
Harrison County
$12.25
$637
$25,480
1.7
$54,600
$1,365
$16,380
$410
6,221
27%
$14.23
$740
0.9
Hartley County
$12.25
$637
$25,480
1.7
$81,100
$2,028
$24,330
$608
540
31%
$10.12
$526
1.2
Haskell County
$12.25
$637
$25,480
1.7
$51,500
$1,288
$15,450
$386
676
27%
$8.46
$440
1.4
Hays County *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
17,778
33%
$6.95
$361
3.0
Hemphill County
$13.48
$701
$28,040
1.9
$79,300
$1,983
$23,790
$595
351
25%
$19.12
$994
0.7
Henderson County
$13.19
$686
$27,440
1.8
$50,500
$1,263
$15,150
$379
7,211
24%
$9.32
$484
1.4
Hidalgo County
$12.60
$655
$26,200
1.7
$35,000
$875
$10,500
$263
66,425
31%
$7.90
$411
1.6
Hill County
$13.46
$700
$28,000
1.9
$53,900
$1,348
$16,170
$404
3,717
28%
$9.67
$503
1.4
Hockley County
$13.67
$711
$28,440
1.9
$57,700
$1,443
$17,310
$433
2,239
28%
$15.37
$799
0.9
Hood County
$16.42
$854
$34,160
2.3
$65,300
$1,633
$19,590
$490
4,571
22%
$12.96
$674
1.3
Hopkins County
$13.56
$705
$28,200
1.9
$54,900
$1,373
$16,470
$412
3,711
28%
$11.06
$575
1.2
Houston County
$12.60
$655
$26,200
1.7
$48,400
$1,210
$14,520
$363
2,224
28%
$13.82
$718
0.9
1: BR = Bedroom
202
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Howard County
$12.58
$654
$26,160
1.7
$57,800
$1,445
$17,340
$434
3,658
33%
$13.59
$707
Hudspeth County
$12.25
$637
$25,480
1.7
$27,800
$695
$8,340
$209
190
17%
$9.70
$504
0.9
1.3
Hunt County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
8,719
28%
$11.55
$601
1.5
Hutchinson County
$13.65
$710
$28,400
1.9
$55,600
$1,390
$16,680
$417
1,744
21%
$16.93
$881
0.8
Irion County
$14.04
$730
$29,200
1.9
$56,100
$1,403
$16,830
$421
118
20%
$21.01
$1,093
0.7
Jack County
$12.81
$666
$26,640
1.8
$64,100
$1,603
$19,230
$481
767
25%
$19.30
$1,004
0.7
Jackson County
$14.46
$752
$30,080
2.0
$63,700
$1,593
$19,110
$478
1,274
25%
$15.36
$799
0.9
Jasper County
$13.98
$727
$29,080
1.9
$49,700
$1,243
$14,910
$373
2,985
22%
$8.79
$457
1.6
Jeff Davis County
$12.25
$637
$25,480
1.7
$55,800
$1,395
$16,740
$419
187
21%
$10.08
$524
1.2
Jefferson County
$15.50
$806
$32,240
2.1
$53,900
$1,348
$16,170
$404
32,900
35%
$15.43
$802
1.0
Jim Hogg County
$12.25
$637
$25,480
1.7
$40,200
$1,005
$12,060
$302
502
28%
$10.79
$561
1.1
Jim Wells County
$14.62
$760
$30,400
2.0
$45,300
$1,133
$13,590
$340
3,664
27%
$13.98
$727
1.0
Johnson County *
$18.04
$938
$37,520
2.5
$65,800
$1,645
$19,740
$494
12,959
25%
$12.40
$645
1.5
Jones County
$15.19
$790
$31,600
2.1
$52,500
$1,313
$15,750
$394
1,292
23%
$12.21
$635
1.2
Karnes County
$12.25
$637
$25,480
1.7
$53,400
$1,335
$16,020
$401
1,374
31%
$10.31
$536
1.2
Kaufman County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
7,531
22%
$9.31
$484
1.9
Kendall County
$16.23
$844
$33,760
2.2
$86,900
$2,173
$26,070
$652
3,101
24%
$10.61
$552
1.5
Kenedy County
$14.37
$747
$29,880
2.0
$60,400
$1,510
$18,120
$453
103
61%
$32.45
$1,687
0.4
Kent County
$14.56
$757
$30,280
2.0
$56,300
$1,408
$16,890
$422
121
31%
$15.52
$807
0.9
Kerr County
$15.15
$788
$31,520
2.1
$58,400
$1,460
$17,520
$438
5,875
29%
$12.88
$670
1.2
Kimble County
$12.96
$674
$26,960
1.8
$51,400
$1,285
$15,420
$386
532
27%
$17.65
$918
0.7
King County
$12.56
$653
$26,120
1.7
$86,700
$2,168
$26,010
$650
42
41%
Kinney County
$12.25
$637
$25,480
1.7
$36,400
$910
$10,920
$273
218
18%
$7.02
$365
1.7
Kleberg County
$13.54
$704
$28,160
1.9
$50,500
$1,263
$15,150
$379
4,603
42%
$9.41
$489
1.4
Knox County
$12.25
$637
$25,480
1.7
$46,400
$1,160
$13,920
$348
553
35%
$13.41
$697
0.9
La Salle County
$12.25
$637
$25,480
1.7
$35,700
$893
$10,710
$268
599
32%
$22.30
$1,159
0.5
Lamar County
$12.25
$637
$25,480
1.7
$52,500
$1,313
$15,750
$394
6,415
33%
$11.91
$620
1.0
Lamb County
$12.25
$637
$25,480
1.7
$44,000
$1,100
$13,200
$330
1,330
27%
$11.92
$620
1.0
Lampasas County
$12.25
$637
$25,480
1.7
$59,100
$1,478
$17,730
$443
1,702
24%
$8.45
$440
1.4
Lavaca County
$12.25
$637
$25,480
1.7
$56,600
$1,415
$16,980
$425
1,569
20%
$11.83
$615
1.0
Lee County
$12.25
$637
$25,480
1.7
$62,000
$1,550
$18,600
$465
1,486
25%
$15.42
$802
0.8
1: BR = Bedroom
203
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Leon County
$12.54
$652
$26,080
1.7
$54,600
$1,365
$16,380
$410
1,070
17%
$11.90
$619
Liberty County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
5,222
21%
$9.96
$518
1.8
Limestone County
$14.48
$753
$30,120
2.0
$55,500
$1,388
$16,650
$416
1,932
24%
$11.90
$619
1.2
Lipscomb County
$12.25
$637
$25,480
1.7
$60,800
$1,520
$18,240
$456
329
29%
$18.90
$983
0.6
Live Oak County
$12.25
$637
$25,480
1.7
$54,300
$1,358
$16,290
$407
749
20%
$22.47
$1,169
0.5
Llano County
$12.25
$637
$25,480
1.7
$61,600
$1,540
$18,480
$462
1,814
21%
$8.15
$424
1.5
Loving County
$12.56
$653
$26,120
1.7
$79,300
$1,983
$23,790
$595
14
40%
Lubbock County
$14.88
$774
$30,960
2.1
$58,900
$1,473
$17,670
$442
42,604
41%
$10.04
$522
1.5
Lynn County
$12.25
$637
$25,480
1.7
$51,700
$1,293
$15,510
$388
577
27%
$10.60
$551
1.2
Madison County
$12.25
$637
$25,480
1.7
$48,700
$1,218
$14,610
$365
837
23%
$11.30
$588
1.1
Marion County
$12.25
$637
$25,480
1.7
$43,500
$1,088
$13,050
$326
1,146
25%
$6.45
$335
1.9
Martin County
$12.25
$637
$25,480
1.7
$52,400
$1,310
$15,720
$393
422
28%
$11.34
$590
1.1
Mason County
$12.25
$637
$25,480
1.7
$62,800
$1,570
$18,840
$471
259
15%
$6.64
$345
1.8
Matagorda County
$13.79
$717
$28,680
1.9
$52,800
$1,320
$15,840
$396
3,710
28%
$14.93
$777
0.9
Maverick County
$12.25
$637
$25,480
1.7
$33,900
$848
$10,170
$254
4,580
30%
$6.44
$335
1.9
McCulloch County
$12.25
$637
$25,480
1.7
$50,200
$1,255
$15,060
$377
633
21%
$15.00
$780
0.8
McLennan County
$14.52
$755
$30,200
2.0
$51,700
$1,293
$15,510
$388
33,461
40%
$11.92
$620
1.2
McMullen County
$12.56
$653
$26,120
1.7
$50,700
$1,268
$15,210
$380
55
19%
$22.98
$1,195
0.5
Medina County
$13.33
$693
$27,720
1.8
$62,200
$1,555
$18,660
$467
3,539
23%
$7.90
$411
1.7
Menard County
$12.25
$637
$25,480
1.7
$57,500
$1,438
$17,250
$431
246
28%
$6.15
$320
2.0
Midland County
$17.98
$935
$37,400
2.5
$70,200
$1,755
$21,060
$527
15,458
31%
$19.35
$1,006
0.9
Milam County
$12.25
$637
$25,480
1.7
$52,300
$1,308
$15,690
$392
2,928
31%
$14.73
$766
0.8
Mills County
$12.25
$637
$25,480
1.7
$51,000
$1,275
$15,300
$383
367
20%
$10.26
$534
1.2
Mitchell County
$12.25
$637
$25,480
1.7
$56,000
$1,400
$16,800
$420
633
23%
$13.03
$678
0.9
Montague County
$12.73
$662
$26,480
1.8
$58,000
$1,450
$17,400
$435
1,975
25%
$8.37
$435
1.5
Montgomery County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
42,487
27%
$14.90
$775
1.2
Moore County
$13.13
$683
$27,320
1.8
$55,600
$1,390
$16,680
$417
1,916
28%
$14.09
$733
0.9
Morris County
$12.25
$637
$25,480
1.7
$51,300
$1,283
$15,390
$385
1,264
25%
$13.22
$687
0.9
Motley County
$12.25
$637
$25,480
1.7
$41,000
$1,025
$12,300
$308
119
26%
$12.14
$632
1.0
Nacogdoches County
$13.77
$716
$28,640
1.9
$55,900
$1,398
$16,770
$419
9,544
41%
$9.26
$482
1.5
Navarro County
$14.08
$732
$29,280
1.9
$53,100
$1,328
$15,930
$398
5,385
31%
$10.69
$556
1.3
1.1
1: BR = Bedroom
204
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Newton County
$12.25
$637
$25,480
1.7
$47,500
$1,188
$14,250
$356
1,038
20%
$7.82
$407
1.6
Nolan County
$12.25
$637
$25,480
1.7
$50,200
$1,255
$15,060
$377
1,815
32%
$10.20
$531
1.2
Nueces County
$16.13
$839
$33,560
2.2
$52,600
$1,315
$15,780
$395
49,675
41%
$13.60
$707
1.2
Ochiltree County
$12.38
$644
$25,760
1.7
$62,400
$1,560
$18,720
$468
1,050
28%
$15.98
$831
0.8
Oldham County
$13.13
$683
$27,320
1.8
$69,400
$1,735
$20,820
$521
202
28%
$18.23
$948
0.7
Orange County
$15.50
$806
$32,240
2.1
$53,900
$1,348
$16,170
$404
7,074
23%
$13.96
$726
1.1
Palo Pinto County
$13.83
$719
$28,760
1.9
$49,900
$1,248
$14,970
$374
3,091
29%
$14.14
$735
1.0
Panola County
$12.25
$637
$25,480
1.7
$56,800
$1,420
$17,040
$426
1,830
21%
$16.97
$882
0.7
Parker County *
$18.04
$938
$37,520
2.5
$65,800
$1,645
$19,740
$494
8,492
20%
$10.38
$540
1.7
Parmer County
$12.25
$637
$25,480
1.7
$47,000
$1,175
$14,100
$353
1,014
31%
$13.21
$687
0.9
Pecos County
$12.42
$646
$25,840
1.7
$50,300
$1,258
$15,090
$377
1,548
33%
$18.57
$966
0.7
Polk County
$12.25
$637
$25,480
1.7
$44,300
$1,108
$13,290
$332
3,459
20%
$9.82
$511
1.2
Potter County
$14.15
$736
$29,440
2.0
$63,400
$1,585
$19,020
$476
17,394
41%
$13.44
$699
1.1
Presidio County
$12.25
$637
$25,480
1.7
$34,700
$868
$10,410
$260
809
30%
$10.12
$526
1.2
Rains County
$12.25
$637
$25,480
1.7
$54,000
$1,350
$16,200
$405
644
15%
$6.89
$358
1.8
Randall County
$14.15
$736
$29,440
2.0
$63,400
$1,585
$19,020
$476
14,529
31%
$8.85
$460
1.6
Reagan County
$12.25
$637
$25,480
1.7
$61,300
$1,533
$18,390
$460
318
27%
$24.25
$1,261
0.5
Real County
$12.25
$637
$25,480
1.7
$31,200
$780
$9,360
$234
256
21%
$8.86
$461
1.4
Red River County
$12.25
$637
$25,480
1.7
$47,300
$1,183
$14,190
$355
1,403
28%
$7.67
$399
1.6
Reeves County
$12.25
$637
$25,480
1.7
$45,700
$1,143
$13,710
$343
831
24%
$9.17
$477
1.3
Refugio County
$12.50
$650
$26,000
1.7
$55,000
$1,375
$16,500
$413
635
23%
$10.92
$568
1.1
Roberts County
$12.56
$653
$26,120
1.7
$85,000
$2,125
$25,500
$638
54
16%
$17.16
$893
0.7
Robertson County
$16.69
$868
$34,720
2.3
$57,500
$1,438
$17,250
$431
1,659
28%
$8.81
$458
1.9
Rockwall County
$17.56
$913
$36,520
2.4
$67,900
$1,698
$20,370
$509
4,503
17%
$10.84
$563
1.6
Runnels County
$12.25
$637
$25,480
1.7
$47,300
$1,183
$14,190
$355
1,136
29%
$10.98
$571
1.1
Rusk County
$13.12
$682
$27,280
1.8
$58,700
$1,468
$17,610
$440
4,240
23%
$15.51
$806
0.8
Sabine County
$12.25
$637
$25,480
1.7
$38,500
$963
$11,550
$289
529
12%
$26.24
$1,364
0.5
San Augustine County
$12.25
$637
$25,480
1.7
$43,100
$1,078
$12,930
$323
791
23%
$8.13
$423
1.5
San Jacinto County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
1,552
17%
$7.49
$389
2.4
San Patricio County
$16.13
$839
$33,560
2.2
$52,600
$1,315
$15,780
$395
7,235
33%
$14.33
$745
1.1
San Saba County
$12.25
$637
$25,480
1.7
$49,400
$1,235
$14,820
$371
417
20%
$7.42
$386
1.7
1: BR = Bedroom
205
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Schleicher County
$12.25
$637
$25,480
1.7
$60,000
$1,500
$18,000
$450
242
22%
$11.19
$582
1.1
Scurry County
$12.25
$637
$25,480
1.7
$60,700
$1,518
$18,210
$455
1,829
30%
$15.77
$820
0.8
Shackelford County
$12.25
$637
$25,480
1.7
$58,400
$1,460
$17,520
$438
316
23%
$18.48
$961
0.7
Shelby County
$12.25
$637
$25,480
1.7
$43,500
$1,088
$13,050
$326
2,595
27%
$9.31
$484
1.3
Sherman County
$12.25
$637
$25,480
1.7
$61,500
$1,538
$18,450
$461
242
24%
$13.36
$695
0.9
Smith County
$16.83
$875
$35,000
2.3
$54,600
$1,365
$16,380
$410
25,390
33%
$13.07
$679
1.3
Somervell County
$12.25
$637
$25,480
1.7
$63,000
$1,575
$18,900
$473
888
28%
$22.17
$1,153
0.6
Starr County
$12.25
$637
$25,480
1.7
$29,900
$748
$8,970
$224
3,275
21%
$6.23
$324
2.0
Stephens County
$12.73
$662
$26,480
1.8
$48,800
$1,220
$14,640
$366
884
25%
$12.82
$666
1.0
Sterling County
$13.35
$694
$27,760
1.8
$53,800
$1,345
$16,140
$404
134
29%
$16.86
$877
0.8
Stonewall County
$12.25
$637
$25,480
1.7
$59,300
$1,483
$17,790
$445
133
22%
$17.51
$911
0.7
Sutton County
$12.25
$637
$25,480
1.7
$66,400
$1,660
$19,920
$498
404
30%
$29.71
$1,545
0.4
Swisher County
$12.25
$637
$25,480
1.7
$49,200
$1,230
$14,760
$369
670
26%
$7.96
$414
1.5
Tarrant County *
$18.04
$938
$37,520
2.5
$65,800
$1,645
$19,740
$494
245,706
38%
$14.57
$758
1.2
Taylor County
$15.19
$790
$31,600
2.1
$52,500
$1,313
$15,750
$394
18,809
38%
$11.33
$589
1.3
Terrell County
$12.25
$637
$25,480
1.7
$46,400
$1,160
$13,920
$348
127
29%
$20.58
$1,070
0.6
Terry County
$12.25
$637
$25,480
1.7
$49,400
$1,235
$14,820
$371
1,177
29%
$13.39
$696
0.9
Throckmorton County
$12.25
$637
$25,480
1.7
$45,800
$1,145
$13,740
$344
184
24%
$14.17
$737
0.9
Titus County
$12.25
$637
$25,480
1.7
$47,800
$1,195
$14,340
$359
2,952
28%
$11.01
$572
1.1
Tom Green County
$14.04
$730
$29,200
1.9
$56,100
$1,403
$16,830
$421
14,707
35%
$11.17
$581
1.3
Travis County *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
194,938
48%
$17.78
$924
1.2
Trinity County
$12.25
$637
$25,480
1.7
$50,800
$1,270
$15,240
$381
764
16%
$10.53
$547
1.2
Tyler County
$12.25
$637
$25,480
1.7
$43,200
$1,080
$12,960
$324
1,493
18%
$9.57
$497
1.3
Upshur County
$15.35
$798
$31,920
2.1
$55,300
$1,383
$16,590
$415
3,161
22%
$11.19
$582
1.4
Upton County
$12.25
$637
$25,480
1.7
$59,400
$1,485
$17,820
$446
276
23%
$34.58
$1,798
0.4
Uvalde County
$12.25
$637
$25,480
1.7
$40,400
$1,010
$12,120
$303
2,442
28%
$9.64
$501
1.3
Val Verde County
$12.25
$637
$25,480
1.7
$43,900
$1,098
$13,170
$329
4,716
32%
$10.36
$538
1.2
Van Zandt County
$13.92
$724
$28,960
1.9
$53,700
$1,343
$16,110
$403
4,419
23%
$9.53
$496
1.5
Victoria County
$14.06
$731
$29,240
1.9
$54,200
$1,355
$16,260
$407
10,793
34%
$12.17
$633
1.2
Walker County
$13.73
$714
$28,560
1.9
$60,300
$1,508
$18,090
$452
8,188
41%
$8.19
$426
1.7
Waller County *
$17.81
$926
$37,040
2.5
$66,600
$1,665
$19,980
$500
4,214
31%
$14.53
$755
1.2
1: BR = Bedroom
206
Texas
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Ward County
$12.25
$637
$25,480
1.7
$51,300
$1,283
$15,390
$385
958
24%
$20.94
$1,089
0.6
Washington County
$14.08
$732
$29,280
1.9
$59,900
$1,498
$17,970
$449
4,187
34%
$10.55
$549
1.3
Webb County
$14.94
$777
$31,080
2.1
$39,000
$975
$11,700
$293
24,335
36%
$8.85
$460
1.7
Wharton County
$13.54
$704
$28,160
1.9
$54,000
$1,350
$16,200
$405
4,513
31%
$8.83
$459
1.5
Wheeler County
$12.25
$637
$25,480
1.7
$62,100
$1,553
$18,630
$466
619
26%
$14.33
$745
0.9
Wichita County
$13.69
$712
$28,480
1.9
$54,900
$1,373
$16,470
$412
17,200
36%
$11.79
$613
1.2
Wilbarger County
$12.90
$671
$26,840
1.8
$49,800
$1,245
$14,940
$374
1,698
33%
$10.66
$554
1.2
Willacy County
$12.37
$643
$25,720
1.7
$28,500
$713
$8,550
$214
1,344
25%
$8.95
$465
1.4
1.2
Williamson County *
$20.65
$1,074
$42,960
2.8
$75,400
$1,885
$22,620
$566
48,073
32%
$17.10
$889
Wilson County
$16.48
$857
$34,280
2.3
$58,800
$1,470
$17,640
$441
2,294
15%
$7.51
$391
2.2
Winkler County
$12.25
$637
$25,480
1.7
$54,500
$1,363
$16,350
$409
492
18%
$22.18
$1,154
0.6
Wise County
$15.29
$795
$31,800
2.1
$70,400
$1,760
$21,120
$528
4,081
20%
$16.07
$835
1.0
Wood County
$12.75
$663
$26,520
1.8
$53,500
$1,338
$16,050
$401
3,188
20%
$12.28
$639
1.0
Yoakum County
$12.56
$653
$26,120
1.7
$55,900
$1,398
$16,770
$419
524
20%
$19.31
$1,004
0.7
Young County
$14.10
$733
$29,320
1.9
$53,700
$1,343
$16,110
$403
2,257
31%
$11.96
$622
1.2
Zapata County
$12.25
$637
$25,480
1.7
$28,700
$718
$8,610
$215
855
20%
$13.03
$678
0.9
Zavala County
$12.25
$637
$25,480
1.7
$29,500
$738
$8,850
$221
1,092
31%
$6.74
$351
1.8
1: BR = Bedroom
207
Utah
In Utah, the Fair Market Rent (FMR) for a two-bedroom apartment is $794. In order to afford this level of rent and
$15.26
In Utah, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Utah, the estimated mean (average) wage for a renter is $11.95. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$173
$794
Two-Bedroom FMR
$1,667

$621
$500
$294
Minimum Wage Earner
$417
SSI Recipient
$578
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
208
Utah
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Utah
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$15.26
$794
$31,744
2.1
$66,690
$1,667
$20,007
$500
260,398
30%
$11.95
$621
1.3
$13.09
$681
$27,226
1.8
$59,623
$1,491
$17,887
$447
26,489
25%
$11.43
$595
1.1
Logan MSA
$12.25
$637
$25,480
1.7
$58,300
$1,458
$17,490
$437
12,631
36%
$8.87
$461
1.4
Ogden-Clearfield MSA
$14.85
$772
$30,880
2.0
$71,300
$1,783
$21,390
$535
43,121
24%
$10.06
$523
1.5
Provo-Orem MSA
$14.02
$729
$29,160
1.9
$64,200
$1,605
$19,260
$482
45,122
31%
$10.83
$563
1.3
Salt Lake City HMFA
$16.85
$876
$35,040
2.3
$68,700
$1,718
$20,610
$515
110,821
32%
$13.40
$697
1.3
St. George MSA
$14.48
$753
$30,120
2.0
$53,800
$1,345
$16,140
$404
14,396
31%
$10.02
$521
1.4
Summit County HMFA
$17.58
$914
$36,560
2.4
$98,000
$2,450
$29,400
$735
3,239
24%
$10.27
$534
1.7
Tooele County HMFA
$14.75
$767
$30,680
2.0
$71,000
$1,775
$21,300
$533
4,579
25%
$12.88
$670
1.1
Beaver County
$12.00
$624
$24,960
1.7
$52,600
$1,315
$15,780
$395
470
23%
$8.01
$417
1.5
Box Elder County
$11.98
$623
$24,920
1.7
$63,400
$1,585
$19,020
$476
3,168
20%
$9.25
$481
1.3
Cache County
$12.25
$637
$25,480
1.7
$58,300
$1,458
$17,490
$437
12,631
36%
$8.87
$461
1.4
Carbon County
$11.98
$623
$24,920
1.7
$57,900
$1,448
$17,370
$434
2,309
30%
$10.57
$550
1.1
Daggett County
$14.85
$772
$30,880
2.0
$59,400
$1,485
$17,820
$446
106
31%
$12.12
$630
1.2
Davis County
$14.85
$772
$30,880
2.0
$71,300
$1,783
$21,390
$535
20,702
22%
$9.89
$514
1.5
Duchesne County
$12.92
$672
$26,880
1.8
$65,000
$1,625
$19,500
$488
1,706
25%
$16.93
$880
0.8
Emery County
$11.98
$623
$24,920
1.7
$62,600
$1,565
$18,780
$470
745
20%
$14.10
$733
0.8
Garfield County
$12.60
$655
$26,200
1.7
$59,900
$1,498
$17,970
$449
393
20%
$8.23
$428
1.5
Grand County
$13.46
$700
$28,000
1.9
$55,500
$1,388
$16,650
$416
1,169
32%
$10.20
$530
1.3
Iron County
$11.98
$623
$24,920
1.7
$49,900
$1,248
$14,970
$374
5,805
37%
$8.52
$443
1.4
Juab County
$14.02
$729
$29,160
1.9
$64,200
$1,605
$19,260
$482
621
20%
$10.72
$558
1.3
Kane County
$15.19
$790
$31,600
2.1
$61,700
$1,543
$18,510
$463
595
19%
$8.22
$427
1.8
Millard County
$11.98
$623
$24,920
1.7
$59,500
$1,488
$17,850
$446
1,030
25%
$10.79
$561
1.1
Morgan County
$14.85
$772
$30,880
2.0
$71,300
$1,783
$21,390
$535
338
12%
$11.63
$605
1.3
Piute County
$14.98
$779
$31,160
2.1
$47,800
$1,195
$14,340
$359
89
16%
$5.39
$280
2.8
Rich County
$15.13
$787
$31,480
2.1
$60,400
$1,510
$18,120
$453
125
18%
$5.98
$311
2.5
Salt Lake County
$16.85
$876
$35,040
2.3
$68,700
$1,718
$20,610
$515
110,821
32%
$13.40
$697
1.3
Metropolitan Areas
Counties
1: BR = Bedroom
209
Utah
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
San Juan County
$11.98
$623
$24,920
1.7
$45,900
$1,148
$13,770
$344
808
19%
$11.84
$616
Sanpete County
$12.25
$637
$25,480
1.7
$54,000
$1,350
$16,200
$405
1,865
24%
$7.79
$405
1.0
1.6
Sevier County
$11.98
$623
$24,920
1.7
$54,700
$1,368
$16,410
$410
1,450
20%
$10.46
$544
1.1
Summit County
$17.58
$914
$36,560
2.4
$98,000
$2,450
$29,400
$735
3,239
24%
$10.27
$534
1.7
Tooele County
$14.75
$767
$30,680
2.0
$71,000
$1,775
$21,300
$533
4,579
25%
$12.88
$670
1.1
Uintah County
$17.46
$908
$36,320
2.4
$70,800
$1,770
$21,240
$531
2,779
25%
$18.20
$946
1.0
Utah County
$14.02
$729
$29,160
1.9
$64,200
$1,605
$19,260
$482
44,501
32%
$10.84
$563
1.3
Wasatch County
$16.17
$841
$33,640
2.2
$73,700
$1,843
$22,110
$553
1,711
23%
$9.60
$499
1.7
Washington County
$14.48
$753
$30,120
2.0
$53,800
$1,345
$16,140
$404
14,396
31%
$10.02
$521
1.4
Wayne County
$11.98
$623
$24,920
1.7
$53,800
$1,345
$16,140
$404
166
17%
$11.75
$611
1.0
Weber County
$14.85
$772
$30,880
2.0
$71,300
$1,783
$21,390
$535
22,081
28%
$10.21
$531
1.5
1: BR = Bedroom
210
Vermont
In Vermont, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,007. In order to afford this level of rent
Wage of:
$19.36
In Vermont, a minimum wage worker earns an hourly wage of $8.73. In order to afford the FMR for a two-bedroom
In Vermont, the estimated mean (average) wage for a renter is $11.24. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$422
$1,007
Two-Bedroom FMR
$1,751

$585
$525
$482
Minimum Wage Earner
$553
SSI Recipient
$775
$454
Minimum Wage Earner

(SSI) Recipient
$232
$0
$500
$1,000
$1,500
$2,000
211
Vermont
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Vermont
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$19.36
$1,007
$40,272
2.2
$70,046
$1,751
$21,014
$525
74,086
29%
$11.24
$585
1.7
$16.11
$838
$33,503
1.8
$65,108
$1,628
$19,533
$488
47,493
27%
$10.70
$557
1.5
$25.17
$1,309
$52,360
2.9
$80,200
$2,005
$24,060
$602
26,593
32%
$12.06
$627
2.1
Addison County
$16.73
$870
$34,800
1.9
$72,600
$1,815
$21,780
$545
3,670
26%
$11.83
$615
1.4
Bennington County
$16.08
$836
$33,440
1.8
$63,900
$1,598
$19,170
$479
4,384
28%
$10.42
$542
1.5
Caledonia County
$13.04
$678
$27,120
1.5
$54,900
$1,373
$16,470
$412
3,513
28%
$9.03
$469
1.4
Essex County
$12.96
$674
$26,960
1.5
$47,300
$1,183
$14,190
$355
496
18%
$6.68
$348
1.9
Metropolitan Areas
Burlington-South Burlington MSA
Counties
Lamoille County
$18.12
$942
$37,680
2.1
$67,200
$1,680
$20,160
$504
2,905
29%
$10.03
$521
1.8
Orange County
$15.65
$814
$32,560
1.8
$65,000
$1,625
$19,500
$488
2,209
19%
$8.98
$467
1.7
Orleans County
$13.60
$707
$28,280
1.6
$52,000
$1,300
$15,600
$390
2,629
24%
$9.06
$471
1.5
Rutland County
$15.87
$825
$33,000
1.8
$63,600
$1,590
$19,080
$477
7,992
31%
$10.35
$538
1.5
Washington County
$17.31
$900
$36,000
2.0
$72,000
$1,800
$21,600
$540
6,652
27%
$11.17
$581
1.6
Windham County
$16.00
$832
$33,280
1.8
$63,700
$1,593
$19,110
$478
5,883
31%
$12.63
$657
1.3
Windsor County
$17.02
$885
$35,400
1.9
$69,600
$1,740
$20,880
$522
7,160
29%
$10.57
$550
1.6
1: BR = Bedroom
212
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
213
Virginia
In Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,088. In order to afford this level of rent
Wage of:
$20.93
In Virginia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Virginia, the estimated mean (average) wage for a renter is $15.97. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between
Affordable Rent
and FMR
$258
$1,088
Two-Bedroom FMR
$1,961

$830
$588
$500
Minimum Wage Earner
$711
SSI Recipient
$872
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
$2,500
214
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Virginia
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$20.93
$1,088
$43,536
2.9
$78,430
$1,961
$23,529
$588
968,012
32%
$15.97
$830
1.3
$13.10
$681
$27,256
1.8
$54,096
$1,352
$16,229
$406
118,538
27%
$9.94
$517
1.3
1.5
Metropolitan Areas
Blacksburg-Christiansburg-Radford HMFA
$13.77
$716
$28,640
1.9
$70,900
$1,773
$21,270
$532
18,782
47%
$9.23
$480
Charlottesville MSA
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
27,325
35%
$13.03
$677
1.5
Danville MSA
$11.87
$617
$24,680
1.6
$45,800
$1,145
$13,740
$344
13,929
31%
$9.58
$498
1.2
$11.87
$617
$24,680
1.6
$57,300
$1,433
$17,190
$430
5,242
22%
$8.76
$455
1.4
Giles County HMFA
$11.87
$617
$24,680
1.6
$53,000
$1,325
$15,900
$398
1,610
23%
$10.87
$565
1.1
Harrisonburg MSA
$14.23
$740
$29,600
2.0
$59,300
$1,483
$17,790
$445
16,633
37%
$12.00
$624
1.2
Kingsport-Bristol-Bristol MSA
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
10,952
27%
$11.47
$597
1.0
Louisa County HMFA
$13.79
$717
$28,680
1.9
$68,100
$1,703
$20,430
$511
2,552
20%
$13.96
$726
1.0
Lynchburg MSA
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
27,702
28%
$11.11
$577
1.1
Pulaski County HMFA
$11.87
$617
$24,680
1.6
$52,600
$1,315
$15,780
$395
4,206
28%
$9.32
$485
1.3
Richmond HMFA *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
145,431
32%
$14.87
$773
1.3
Roanoke HMFA
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
33,095
31%
$12.83
$667
1.1
Virginia Beach-Norfolk-Newport News MSA *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
224,461
37%
$13.23
$688
1.6
Warren County HMFA
$17.58
$914
$36,560
2.4
$75,500
$1,888
$22,650
$566
4,077
28%
$9.54
$496
1.8
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
302,210
32%
$21.49
$1,118
1.3
Winchester MSA
$15.46
$804
$32,160
2.1
$67,600
$1,690
$20,280
$507
11,267
28%
$12.91
$671
1.2
Counties
Accomack County
$14.12
$734
$29,360
1.9
$52,700
$1,318
$15,810
$395
4,216
30%
$10.95
$569
1.3
Albemarle County
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
12,901
34%
$13.58
$706
1.4
Alexandria city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
36,326
56%
$22.82
$1,187
1.2
Alleghany County
$11.87
$617
$24,680
1.6
$54,300
$1,358
$16,290
$407
1,234
18%
$10.86
$565
1.1
Amelia County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
910
19%
$11.68
$607
1.6
Amherst County
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
3,069
24%
$11.27
$586
1.1
Appomattox County
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
1,390
24%
$5.13
$267
2.5
Arlington County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
50,296
54%
$29.30
$1,524
1.0
Augusta County
$13.83
$719
$28,760
1.9
$58,900
$1,473
$17,670
$442
5,292
19%
$11.94
$621
1.2
1: BR = Bedroom
215
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Bath County
$11.87
$617
$24,680
1.6
$55,900
$1,398
$16,770
$419
402
20%
$13.22
$687
0.9
Bedford city
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
1,070
39%
$6.38
$332
2.0
Bedford County
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
4,118
15%
$8.91
$463
1.4
Bland County
$11.87
$617
$24,680
1.6
$51,900
$1,298
$15,570
$389
433
18%
$11.66
$607
1.0
Botetourt County
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
1,605
13%
$10.75
$559
1.3
Bristol city
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
3,211
41%
$10.28
$535
1.2
Brunswick County
$11.87
$617
$24,680
1.6
$45,500
$1,138
$13,650
$341
1,772
29%
$8.22
$427
1.4
Buchanan County
$11.87
$617
$24,680
1.6
$41,400
$1,035
$12,420
$311
2,045
22%
$14.18
$737
0.8
Buckingham County
$12.44
$647
$25,880
1.7
$47,900
$1,198
$14,370
$359
1,427
25%
$12.97
$674
1.0
Buena Vista city
$12.27
$638
$25,520
1.7
$54,100
$1,353
$16,230
$406
913
33%
$9.49
$493
1.3
Campbell County
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
5,077
24%
$11.27
$586
1.1
Caroline County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
1,819
17%
$10.86
$565
1.7
Carroll County
$11.87
$617
$24,680
1.6
$47,100
$1,178
$14,130
$353
2,750
22%
$7.62
$396
1.6
Charles City County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
498
18%
$13.35
$694
1.4
Charlotte County
$11.87
$617
$24,680
1.6
$52,700
$1,318
$15,810
$395
1,182
25%
$8.58
$446
1.4
Charlottesville city
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
10,258
59%
$13.53
$703
1.4
Chesapeake city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
21,505
27%
$10.78
$560
2.0
Chesterfield County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
25,062
22%
$12.42
$646
1.5
Clarke County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
1,193
21%
$11.87
$617
2.4
Colonial Heights city *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
2,392
34%
$10.25
$533
1.8
Covington city
$11.87
$617
$24,680
1.6
$54,300
$1,358
$16,290
$407
810
31%
$14.26
$741
0.8
Craig County
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
301
15%
$13.36
$695
1.0
Culpeper County
$15.85
$824
$32,960
2.2
$82,000
$2,050
$24,600
$615
4,172
26%
$10.45
$544
1.5
Cumberland County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
913
23%
$9.18
$477
2.1
Danville city
$11.87
$617
$24,680
1.6
$45,800
$1,145
$13,740
$344
8,691
46%
$9.74
$507
1.2
Dickenson County
$11.87
$617
$24,680
1.6
$38,900
$973
$11,670
$292
1,370
21%
$12.48
$649
1.0
Dinwiddie County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
2,379
24%
$15.48
$805
1.2
Emporia city
$11.87
$617
$24,680
1.6
$46,100
$1,153
$13,830
$346
1,386
56%
$10.12
$526
1.2
Essex County
$16.00
$832
$33,280
2.2
$55,000
$1,375
$16,500
$413
1,042
24%
$9.68
$503
1.7
Fairfax city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
2,561
30%
$15.96
$830
1.8
Fairfax County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
117,524
30%
$24.48
$1,273
1.2
1: BR = Bedroom
216
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Falls Church city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
1,833
38%
$16.96
$882
1.7
Fauquier County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
4,815
21%
$10.66
$554
2.7
Floyd County
$11.87
$617
$24,680
1.6
$52,800
$1,320
$15,840
$396
1,351
22%
$11.51
$599
1.0
Fluvanna County
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
1,165
12%
$8.63
$449
2.2
Franklin city
$14.38
$748
$29,920
2.0
$55,700
$1,393
$16,710
$418
2,017
57%
$9.94
$517
1.4
Franklin County
$11.87
$617
$24,680
1.6
$57,300
$1,433
$17,190
$430
5,242
22%
$8.76
$455
1.4
Frederick County
$15.46
$804
$32,160
2.1
$67,600
$1,690
$20,280
$507
5,984
21%
$11.86
$616
1.3
Fredericksburg city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
6,055
62%
$14.43
$750
2.0
Galax city
$11.87
$617
$24,680
1.6
$47,100
$1,178
$14,130
$353
1,186
35%
$9.72
$506
1.2
Giles County
$11.87
$617
$24,680
1.6
$53,000
$1,325
$15,900
$398
1,610
23%
$10.87
$565
1.1
Gloucester County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
2,235
16%
$7.66
$398
2.8
Goochland County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
662
8%
$20.88
$1,086
0.9
Grayson County
$11.87
$617
$24,680
1.6
$41,400
$1,035
$12,420
$311
1,525
22%
$8.23
$428
1.4
Greene County
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
1,537
22%
$9.87
$513
2.0
Greensville County
$11.87
$617
$24,680
1.6
$46,100
$1,153
$13,830
$346
983
30%
$8.27
$430
1.4
Halifax County
$11.87
$617
$24,680
1.6
$48,100
$1,203
$14,430
$361
3,829
26%
$9.00
$468
1.3
Hampton city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
20,883
40%
$11.93
$621
1.8
Hanover County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
5,901
16%
$9.43
$490
2.0
Harrisonburg city
$14.23
$740
$29,600
2.0
$59,300
$1,483
$17,790
$445
9,747
64%
$11.47
$596
1.2
Henrico County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
42,199
34%
$15.82
$822
1.2
Henry County
$11.87
$617
$24,680
1.6
$41,100
$1,028
$12,330
$308
5,516
24%
$9.81
$510
1.2
Highland County
$11.87
$617
$24,680
1.6
$55,600
$1,390
$16,680
$417
171
16%
$8.75
$455
1.4
Hopewell city *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
4,266
49%
$18.83
$979
1.0
Isle of Wight County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
2,656
20%
$9.12
$474
2.4
James City County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
6,273
24%
$10.11
$526
2.1
King and Queen County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
663
23%
$16.75
$871
1.1
King George County
$18.54
$964
$38,560
2.6
$93,000
$2,325
$27,900
$698
2,034
25%
$16.01
$833
1.2
King William County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
1,014
17%
$10.47
$544
1.8
Lancaster County
$15.42
$802
$32,080
2.1
$62,600
$1,565
$18,780
$470
1,086
20%
$10.48
$545
1.5
Lee County
$11.87
$617
$24,680
1.6
$43,300
$1,083
$12,990
$325
2,456
25%
$7.73
$402
1.5
Lexington city
$12.27
$638
$25,520
1.7
$54,100
$1,353
$16,230
$406
821
46%
$8.63
$449
1.4
1: BR = Bedroom
217
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Loudoun County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
22,719
22%
$16.40
$853
1.7
Louisa County
$13.79
$717
$28,680
1.9
$68,100
$1,703
$20,430
$511
2,552
20%
$13.96
$726
1.0
Lunenburg County
$11.87
$617
$24,680
1.6
$43,200
$1,080
$12,960
$324
1,155
25%
$9.08
$472
1.3
Lynchburg city
$12.63
$657
$26,280
1.7
$60,500
$1,513
$18,150
$454
12,978
46%
$12.23
$636
1.0
Madison County
$13.15
$684
$27,360
1.8
$69,400
$1,735
$20,820
$521
1,055
21%
$13.56
$705
1.0
Manassas city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
4,169
35%
$18.36
$955
1.5
Manassas Park city
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
1,461
34%
$17.56
$913
1.6
Martinsville city
$11.87
$617
$24,680
1.6
$41,100
$1,028
$12,330
$308
2,679
45%
$8.11
$422
1.5
Mathews County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
786
21%
$5.35
$278
4.1
Mecklenburg County
$11.87
$617
$24,680
1.6
$47,800
$1,195
$14,340
$359
3,438
27%
$8.54
$444
1.4
Middlesex County
$12.10
$629
$25,160
1.7
$69,900
$1,748
$20,970
$524
740
17%
$8.15
$424
1.5
Montgomery County
$13.77
$716
$28,640
1.9
$70,900
$1,773
$21,270
$532
15,888
46%
$8.90
$463
1.5
Nelson County
$19.38
$1,008
$40,320
2.7
$82,600
$2,065
$24,780
$620
1,464
23%
$9.39
$488
2.1
New Kent County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
700
10%
$9.66
$502
2.0
Newport News city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
33,719
49%
$16.05
$835
1.4
Norfolk city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
46,358
54%
$16.07
$835
1.4
Northampton County
$13.62
$708
$28,320
1.9
$52,700
$1,318
$15,810
$395
1,538
31%
$8.77
$456
1.6
Northumberland County
$12.65
$658
$26,320
1.7
$63,200
$1,580
$18,960
$474
845
15%
$9.12
$474
1.4
Norton city
$11.87
$617
$24,680
1.6
$45,700
$1,143
$13,710
$343
813
48%
$12.11
$630
1.0
Nottoway County
$13.77
$716
$28,640
1.9
$48,400
$1,210
$14,520
$363
1,763
32%
$10.90
$567
1.3
Orange County
$15.90
$827
$33,080
2.2
$67,800
$1,695
$20,340
$509
2,839
23%
$10.44
$543
1.5
Page County
$12.54
$652
$26,080
1.7
$55,100
$1,378
$16,530
$413
2,393
25%
$8.27
$430
1.5
Patrick County
$11.87
$617
$24,680
1.6
$44,300
$1,108
$13,290
$332
1,646
22%
$7.64
$397
1.6
Petersburg city *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
6,521
53%
$12.67
$659
1.5
Pittsylvania County
$11.87
$617
$24,680
1.6
$45,800
$1,145
$13,740
$344
5,238
20%
$9.15
$476
1.3
Poquoson city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
704
15%
$7.52
$391
2.9
Portsmouth city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
15,101
41%
$12.37
$643
1.8
Powhatan County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
1,049
11%
$10.96
$570
1.7
Prince Edward County
$13.56
$705
$28,200
1.9
$52,300
$1,308
$15,690
$392
2,248
31%
$8.76
$456
1.5
Prince George County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
2,753
25%
$14.03
$730
1.3
Prince William County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
35,237
27%
$11.84
$616
2.4
1: BR = Bedroom
218
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Pulaski County
$11.87
$617
$24,680
1.6
$52,600
$1,315
$15,780
$395
4,206
28%
$9.32
$485
1.3
Radford city
$13.77
$716
$28,640
1.9
$70,900
$1,773
$21,270
$532
2,894
51%
$11.53
$599
1.2
Rappahannock County
$19.04
$990
$39,600
2.6
$82,000
$2,050
$24,600
$615
740
23%
$17.83
$927
1.1
Richmond city *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
46,870
56%
$17.87
$929
1.1
Richmond County
$13.83
$719
$28,760
1.9
$69,200
$1,730
$20,760
$519
748
27%
$10.96
$570
1.3
Roanoke city
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
18,906
44%
$13.30
$692
1.0
Roanoke County
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
9,011
24%
$10.93
$568
1.3
Rockbridge County
$12.27
$638
$25,520
1.7
$54,100
$1,353
$16,230
$406
2,471
27%
$8.86
$461
1.4
1.1
Rockingham County
$14.23
$740
$29,600
2.0
$59,300
$1,483
$17,790
$445
6,886
23%
$12.54
$652
Russell County
$11.87
$617
$24,680
1.6
$44,000
$1,100
$13,200
$330
2,550
23%
$7.74
$403
1.5
Salem city
$13.85
$720
$28,800
1.9
$62,900
$1,573
$18,870
$472
3,272
33%
$15.33
$797
0.9
Scott County
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
2,094
22%
$6.79
$353
1.7
Shenandoah County
$13.73
$714
$28,560
1.9
$64,100
$1,603
$19,230
$481
5,009
29%
$8.49
$441
1.6
Smyth County
$11.87
$617
$24,680
1.6
$44,900
$1,123
$13,470
$337
3,668
29%
$10.86
$565
1.1
Southampton County
$14.38
$748
$29,920
2.0
$55,700
$1,393
$16,710
$418
1,762
27%
$9.81
$510
1.5
Spotsylvania County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
9,095
22%
$10.86
$564
2.6
Stafford County
$28.25
$1,469
$58,760
3.9
$107,000
$2,675
$32,100
$803
8,926
22%
$10.99
$572
2.6
Staunton city
$13.83
$719
$28,760
1.9
$58,900
$1,473
$17,670
$442
4,364
41%
$8.18
$425
1.7
Suffolk city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
7,713
25%
$10.24
$533
2.1
Surry County *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
581
23%
$23.06
$1,199
0.9
Sussex County *
$18.92
$984
$39,360
2.6
$72,900
$1,823
$21,870
$547
1,252
34%
$11.23
$584
1.7
Tazewell County
$11.87
$617
$24,680
1.6
$47,400
$1,185
$14,220
$356
5,038
28%
$9.49
$494
1.2
Virginia Beach city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
57,716
35%
$13.56
$705
1.6
Warren County
$17.58
$914
$36,560
2.4
$75,500
$1,888
$22,650
$566
4,077
28%
$9.54
$496
1.8
Washington County
$11.87
$617
$24,680
1.6
$50,600
$1,265
$15,180
$380
5,647
25%
$13.15
$684
0.9
Waynesboro city
$13.83
$719
$28,760
1.9
$58,900
$1,473
$17,670
$442
3,526
40%
$9.70
$505
1.4
Westmoreland County
$13.63
$709
$28,360
1.9
$62,700
$1,568
$18,810
$470
1,668
24%
$8.43
$438
1.6
Williamsburg city *
$21.73
$1,130
$45,200
3.0
$70,600
$1,765
$21,180
$530
2,422
57%
$12.33
$641
1.8
Winchester city
$15.46
$804
$32,160
2.1
$67,600
$1,690
$20,280
$507
5,283
51%
$13.86
$721
1.1
Wise County
$11.87
$617
$24,680
1.6
$45,700
$1,143
$13,710
$343
4,800
31%
$8.70
$453
1.4
Wythe County
$11.87
$617
$24,680
1.6
$51,200
$1,280
$15,360
$384
3,229
28%
$8.70
$452
1.4
1: BR = Bedroom
219
Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
York County *
$21.73
HOUSING COSTS
2 BR
FMR
$1,130
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
$45,200
RENTER HOUSEHOLDS
3.0
Annual
3
AMI
$70,600
Monthly
rent 4
affordable
at AMI
$1,765
30%
5
of AMI
$21,180
Monthly
rent
affordable
at 30%
of AMI
$530
Renter
% of total
(2008-2012) (2008-2012)
5,809
24%
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$9.05
$471
2.4
1: BR = Bedroom
220
Washington
In Washington, the Fair Market Rent (FMR) for a two-bedroom apartment is $970. In order to afford this level of
Wage of:
$18.65
In Washington, a minimum wage worker earns an hourly wage of $9.32. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 80 hours per week, 52 weeks per year. Or a household must
affordable.
In Washington, the estimated mean (average) wage for a renter is $15.55. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 48 hours per week, 52 weeks per year. Or, working 40 hours per
$970
Two-Bedroom FMR
$1,852

$808

$556
$414
Minimum Wage Earner
$485
SSI Recipient
$754
$485
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$162
$216
$0
$500
$1,000
$1,500
$2,000
221
Washington
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Washington
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$18.65
$970
$38,788
2.0
$74,071
$1,852
$22,221
$556
948,607
36%
$15.55
$808
1.2
$14.15
$736
$29,433
1.5
$58,534
$1,463
$17,560
$439
103,513
32%
$9.47
$493
1.5
Bellingham MSA
$17.02
$885
$35,400
1.8
$66,700
$1,668
$20,010
$500
29,298
37%
$11.47
$596
1.5
Bremerton-Silverdale MSA
$18.29
$951
$38,040
2.0
$74,000
$1,850
$22,200
$555
31,290
32%
$10.70
$556
1.7
Kennewick-Pasco-Richland MSA
$14.50
$754
$30,160
1.6
$66,900
$1,673
$20,070
$502
27,870
32%
$11.47
$596
1.3
Lewiston MSA
$12.67
$659
$26,360
1.4
$56,800
$1,420
$17,040
$426
2,892
32%
$9.07
$472
1.4
Longview MSA
$13.13
$683
$27,320
1.4
$54,600
$1,365
$16,380
$410
13,417
34%
$11.28
$587
1.2
Mount Vernon-Anacortes MSA
$17.46
$908
$36,320
1.9
$67,200
$1,680
$20,160
$504
14,313
31%
$11.57
$602
1.5
Olympia MSA
$18.13
$943
$37,720
1.9
$74,200
$1,855
$22,260
$557
32,722
32%
$11.48
$597
1.6
Portland-Vancouver-Beaverton MSA
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
55,077
34%
$12.89
$670
1.4
Seattle-Bellevue HMFA
$21.60
$1,123
$44,920
2.3
$88,200
$2,205
$26,460
$662
415,418
39%
$19.47
$1,013
1.1
Spokane MSA
$14.21
$739
$29,560
1.5
$63,400
$1,585
$19,020
$476
66,969
36%
$10.90
$567
1.3
Tacoma HMFA
$19.21
$999
$39,960
2.1
$67,000
$1,675
$20,100
$503
113,139
38%
$13.26
$689
1.4
Wenatchee-East Wenatchee MSA
$15.56
$809
$32,360
1.7
$57,800
$1,445
$17,340
$434
13,176
32%
$10.55
$548
1.5
Yakima MSA
$14.08
$732
$29,280
1.5
$48,900
$1,223
$14,670
$367
29,513
37%
$9.64
$501
1.5
Adams County
$12.25
$637
$25,480
1.3
$45,600
$1,140
$13,680
$342
2,060
36%
$12.66
$658
Asotin County
$12.67
$659
$26,360
1.4
$56,800
$1,420
$17,040
$426
2,892
32%
$9.07
$472
1.4
Benton County
$14.50
$754
$30,160
1.6
$66,900
$1,673
$20,070
$502
19,986
31%
$12.54
$652
1.2
Chelan County
$15.56
$809
$32,360
1.7
$57,800
$1,445
$17,340
$434
9,112
34%
$11.09
$577
1.4
Clallam County
$14.52
$755
$30,200
1.6
$64,800
$1,620
$19,440
$486
8,947
29%
$9.67
$503
1.5
Clark County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
54,042
34%
$12.96
$674
1.4
Columbia County
$12.25
$637
$25,480
1.3
$55,600
$1,390
$16,680
$417
410
24%
$5.99
$312
2.0
Metropolitan Areas
Counties
1.0
Cowlitz County
$13.13
$683
$27,320
1.4
$54,600
$1,365
$16,380
$410
13,417
34%
$11.28
$587
1.2
Douglas County
$15.56
$809
$32,360
1.7
$57,800
$1,445
$17,340
$434
4,064
29%
$8.45
$439
1.8
Ferry County
$12.25
$637
$25,480
1.3
$43,000
$1,075
$12,900
$323
824
29%
$9.33
$485
1.3
Franklin County
$14.50
$754
$30,160
1.6
$66,900
$1,673
$20,070
$502
7,884
35%
$8.58
$446
1.7
Garfield County
$12.25
$637
$25,480
1.3
$62,300
$1,558
$18,690
$467
268
27%
$13.90
$723
0.9
1: BR = Bedroom
222
Washington
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Grant County
$12.69
$660
$26,400
1.4
$52,700
$1,318
$15,810
$395
11,805
39%
$9.90
$515
1.3
Grays Harbor County
$13.19
$686
$27,440
1.4
$52,000
$1,300
$15,600
$390
8,603
31%
$9.67
$503
1.4
Island County
$17.23
$896
$35,840
1.8
$73,000
$1,825
$21,900
$548
9,905
30%
$9.98
$519
1.7
Jefferson County
$17.40
$905
$36,200
1.9
$63,200
$1,580
$18,960
$474
3,860
27%
$7.81
$406
2.2
King County
$21.60
$1,123
$44,920
2.3
$88,200
$2,205
$26,460
$662
327,525
41%
$20.30
$1,056
1.1
Kitsap County
$18.29
$951
$38,040
2.0
$74,000
$1,850
$22,200
$555
31,290
32%
$10.70
$556
1.7
Kittitas County
$15.29
$795
$31,800
1.6
$65,600
$1,640
$19,680
$492
7,225
44%
$7.34
$382
2.1
Klickitat County
$12.71
$661
$26,440
1.4
$48,800
$1,220
$14,640
$366
2,660
32%
$14.99
$780
0.8
Lewis County
$14.10
$733
$29,320
1.5
$51,800
$1,295
$15,540
$389
9,063
31%
$11.02
$573
1.3
Lincoln County
$12.48
$649
$25,960
1.3
$58,700
$1,468
$17,610
$440
976
21%
$8.35
$434
1.5
Mason County
$15.85
$824
$32,960
1.7
$59,300
$1,483
$17,790
$445
4,924
21%
$7.19
$374
2.2
Okanogan County
$12.25
$637
$25,480
1.3
$51,300
$1,283
$15,390
$385
5,043
32%
$6.24
$324
2.0
Pacific County
$13.37
$695
$27,800
1.4
$53,900
$1,348
$16,170
$404
2,440
26%
$7.73
$402
1.7
Pend Oreille County
$12.25
$637
$25,480
1.3
$50,600
$1,265
$15,180
$380
1,284
24%
$7.72
$401
1.6
Pierce County
$19.21
$999
$39,960
2.1
$67,000
$1,675
$20,100
$503
113,139
38%
$13.26
$689
1.4
San Juan County
$16.40
$853
$34,120
1.8
$62,500
$1,563
$18,750
$469
2,434
31%
$8.91
$463
1.8
Skagit County
$17.46
$908
$36,320
1.9
$67,200
$1,680
$20,160
$504
14,313
31%
$11.57
$602
1.5
Skamania County
$17.73
$922
$36,880
1.9
$69,400
$1,735
$20,820
$521
1,035
24%
$7.56
$393
2.3
Snohomish County
$21.60
$1,123
$44,920
2.3
$88,200
$2,205
$26,460
$662
87,893
33%
$15.71
$817
1.4
Spokane County
$14.21
$739
$29,560
1.5
$63,400
$1,585
$19,020
$476
66,969
36%
$10.90
$567
1.3
Stevens County
$12.25
$637
$25,480
1.3
$54,400
$1,360
$16,320
$408
3,647
21%
$9.86
$513
1.2
Thurston County
$18.13
$943
$37,720
1.9
$74,200
$1,855
$22,260
$557
32,722
32%
$11.48
$597
1.6
Wahkiakum County
$12.25
$637
$25,480
1.3
$50,700
$1,268
$15,210
$380
335
20%
$4.89
$254
2.5
Walla Walla County
$13.71
$713
$28,520
1.5
$60,200
$1,505
$18,060
$452
8,055
37%
$10.20
$530
1.3
Whatcom County
$17.02
$885
$35,400
1.8
$66,700
$1,668
$20,010
$500
29,298
37%
$11.47
$596
1.5
Whitman County
$13.56
$705
$28,200
1.5
$64,700
$1,618
$19,410
$485
8,745
53%
$8.40
$437
1.6
Yakima County
$14.08
$732
$29,280
1.5
$48,900
$1,223
$14,670
$367
29,513
37%
$9.64
$501
1.5
1: BR = Bedroom
223
West Virginia
In West Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is $665. In order to afford this level of
Wage of:
$12.80
In West Virginia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 71 hours per week, 52 weeks per year. Or a household must
affordable.
In West Virginia, the estimated mean (average) wage for a renter is $10.10. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 51 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$140
$665
Two-Bedroom FMR
$1,317

$525
$395
$270
Minimum Wage Earner
$288
SSI Recipient
$449
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
224
West Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
West Virginia
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$12.80
$665
$26,617
1.8
$52,670
$1,317
$15,801
$395
195,304
26%
$10.10
$525
1.3
$11.82
$614
$24,580
1.6
$47,528
$1,188
$14,258
$356
76,481
23%
$10.02
$521
1.2
Boone County HMFA
$11.02
$573
$22,920
1.5
$52,300
$1,308
$15,690
$392
2,203
23%
$14.63
$761
0.8
Charleston HMFA
$13.87
$721
$28,840
1.9
$55,800
$1,395
$16,740
$419
29,326
25%
$11.71
$609
1.2
Cumberland MSA
$12.25
$637
$25,480
1.7
$54,100
$1,353
$16,230
$406
3,563
32%
$8.63
$449
1.4
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
19,215
34%
$9.33
$485
1.3
Jefferson County HMFA
$17.19
$894
$35,760
2.4
$79,300
$1,983
$23,790
$595
4,775
24%
$8.72
$453
2.0
Martinsburg HMFA
$14.25
$741
$29,640
2.0
$55,900
$1,398
$16,770
$419
12,642
27%
$9.23
$480
1.5
Morgantown MSA
$14.46
$752
$30,080
2.0
$61,000
$1,525
$18,300
$458
18,084
37%
$9.41
$489
1.5
Parkersburg-Marietta-Vienna MSA
$11.81
$614
$24,560
1.6
$53,700
$1,343
$16,110
$403
10,349
25%
$8.29
$431
1.4
Steubenville-Weirton MSA
$11.81
$614
$24,560
1.6
$52,500
$1,313
$15,750
$394
5,206
23%
$11.03
$573
1.1
Wheeling MSA
$11.81
$614
$24,560
1.6
$56,200
$1,405
$16,860
$422
8,831
27%
$9.59
$499
1.2
Winchester MSA
$15.46
$804
$32,160
2.1
$67,600
$1,690
$20,280
$507
4,629
44%
$9.44
$491
1.6
Barbour County
$12.23
$636
$25,440
1.7
$42,000
$1,050
$12,600
$315
1,438
23%
$7.28
$379
Berkeley County
$14.25
$741
$29,640
2.0
$55,900
$1,398
$16,770
$419
10,010
25%
$9.11
$474
1.6
Boone County
$11.02
$573
$22,920
1.5
$52,300
$1,308
$15,690
$392
2,203
23%
$14.63
$761
0.8
Braxton County
$11.02
$573
$22,920
1.5
$43,200
$1,080
$12,960
$324
1,487
25%
$8.83
$459
1.2
Brooke County
$11.81
$614
$24,560
1.6
$52,500
$1,313
$15,750
$394
2,185
22%
$10.96
$570
1.1
Cabell County
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
15,489
38%
$9.43
$490
1.3
Calhoun County
$11.02
$573
$22,920
1.5
$36,600
$915
$10,980
$275
698
22%
$11.11
$578
1.0
Clay County
$13.87
$721
$28,840
1.9
$55,800
$1,395
$16,740
$419
654
19%
$7.47
$388
1.9
Metropolitan Areas
Counties
1.7
Doddridge County
$11.25
$585
$23,400
1.6
$38,800
$970
$11,640
$291
418
15%
$10.22
$531
1.1
Fayette County
$11.02
$573
$22,920
1.5
$44,900
$1,123
$13,470
$337
4,104
23%
$10.25
$533
1.1
Gilmer County
$11.27
$586
$23,440
1.6
$48,200
$1,205
$14,460
$362
640
25%
$8.16
$424
1.4
Grant County
$13.33
$693
$27,720
1.8
$52,100
$1,303
$15,630
$391
1,021
22%
$13.23
$688
1.0
Greenbrier County
$11.83
$615
$24,600
1.6
$46,500
$1,163
$13,950
$349
3,940
26%
$8.69
$452
1.4
Hampshire County
$15.46
$804
$32,160
2.1
$67,600
$1,690
$20,280
$507
4,629
44%
$9.44
$491
1.6
1: BR = Bedroom
225
West Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Hancock County
$11.81
$614
$24,560
1.6
$52,500
$1,313
$15,750
$394
3,021
23%
$11.07
$576
1.1
Hardy County
$11.65
$606
$24,240
1.6
$42,700
$1,068
$12,810
$320
1,068
22%
$8.72
$454
1.3
Harrison County
$14.35
$746
$29,840
2.0
$55,500
$1,388
$16,650
$416
7,342
26%
$9.47
$493
1.5
Jackson County
$11.02
$573
$22,920
1.5
$54,700
$1,368
$16,410
$410
2,269
20%
$9.99
$519
1.1
Jefferson County
$17.19
$894
$35,760
2.4
$79,300
$1,983
$23,790
$595
4,775
24%
$8.72
$453
2.0
Kanawha County
$13.87
$721
$28,840
1.9
$55,800
$1,395
$16,740
$419
24,056
29%
$11.73
$610
1.2
Lewis County
$12.25
$637
$25,480
1.7
$45,200
$1,130
$13,560
$339
1,931
29%
$12.86
$669
1.0
Lincoln County
$13.87
$721
$28,840
1.9
$55,800
$1,395
$16,740
$419
1,766
21%
$10.51
$547
1.3
Logan County
$11.02
$573
$22,920
1.5
$45,700
$1,143
$13,710
$343
3,851
26%
$13.55
$704
0.8
Marion County
$12.48
$649
$25,960
1.7
$53,600
$1,340
$16,080
$402
5,533
24%
$10.35
$538
1.2
Marshall County
$11.81
$614
$24,560
1.6
$56,200
$1,405
$16,860
$422
3,149
22%
$12.86
$669
0.9
Mason County
$11.02
$573
$22,920
1.5
$43,700
$1,093
$13,110
$328
2,129
21%
$11.80
$614
0.9
McDowell County
$11.02
$573
$22,920
1.5
$29,900
$748
$8,970
$224
2,013
24%
$13.21
$687
0.8
Mercer County
$11.02
$573
$22,920
1.5
$46,200
$1,155
$13,860
$347
7,091
28%
$8.95
$465
1.2
Mineral County
$12.25
$637
$25,480
1.7
$54,100
$1,353
$16,230
$406
3,563
32%
$8.63
$449
1.4
Mingo County
$11.02
$573
$22,920
1.5
$43,400
$1,085
$13,020
$326
2,452
23%
$13.88
$722
0.8
Monongalia County
$14.46
$752
$30,080
2.0
$61,000
$1,525
$18,300
$458
15,641
44%
$9.57
$498
1.5
Monroe County
$11.02
$573
$22,920
1.5
$46,700
$1,168
$14,010
$350
981
17%
$8.71
$453
1.3
Morgan County
$14.25
$741
$29,640
2.0
$55,900
$1,398
$16,770
$419
2,632
36%
$10.54
$548
1.4
Nicholas County
$11.02
$573
$22,920
1.5
$48,700
$1,218
$14,610
$365
1,940
19%
$9.46
$492
1.2
Ohio County
$11.81
$614
$24,560
1.6
$56,200
$1,405
$16,860
$422
5,682
31%
$8.40
$437
1.4
Pendleton County
$11.02
$573
$22,920
1.5
$49,700
$1,243
$14,910
$373
768
23%
$11.82
$615
0.9
Pleasants County
$11.81
$614
$24,560
1.6
$53,700
$1,343
$16,110
$403
486
18%
$8.28
$430
1.4
Pocahontas County
$11.02
$573
$22,920
1.5
$44,400
$1,110
$13,320
$333
707
19%
$6.98
$363
1.6
Preston County
$14.46
$752
$30,080
2.0
$61,000
$1,525
$18,300
$458
2,443
19%
$7.90
$411
1.8
Putnam County
$13.87
$721
$28,840
1.9
$55,800
$1,395
$16,740
$419
2,850
13%
$12.09
$629
1.1
Raleigh County
$12.81
$666
$26,640
1.8
$49,800
$1,245
$14,940
$374
8,021
25%
$10.22
$531
1.3
Randolph County
$12.23
$636
$25,440
1.7
$49,600
$1,240
$14,880
$372
2,704
24%
$6.76
$352
1.8
Ritchie County
$11.02
$573
$22,920
1.5
$43,000
$1,075
$12,900
$323
913
22%
$10.40
$541
1.1
Roane County
$11.02
$573
$22,920
1.5
$40,000
$1,000
$12,000
$300
1,413
24%
$9.80
$510
1.1
Summers County
$11.10
$577
$23,080
1.5
$42,900
$1,073
$12,870
$322
976
19%
$5.40
$281
2.1
1: BR = Bedroom
226
West Virginia
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Taylor County
$11.02
$573
$22,920
1.5
$50,000
$1,250
$15,000
$375
1,513
22%
$6.34
$330
1.7
Tucker County
$11.02
$573
$22,920
1.5
$46,800
$1,170
$14,040
$351
612
20%
$6.54
$340
1.7
Tyler County
$11.02
$573
$22,920
1.5
$49,600
$1,240
$14,880
$372
576
16%
$9.28
$483
1.2
Upshur County
$11.02
$573
$22,920
1.5
$48,100
$1,203
$14,430
$361
1,999
22%
$10.73
$558
1.0
Wayne County
$12.37
$643
$25,720
1.7
$51,000
$1,275
$15,300
$383
3,726
22%
$8.54
$444
1.4
Webster County
$11.02
$573
$22,920
1.5
$33,100
$828
$9,930
$248
941
23%
$9.56
$497
1.2
Wetzel County
$11.17
$581
$23,240
1.5
$55,100
$1,378
$16,530
$413
1,445
21%
$6.77
$352
1.7
Wirt County
$11.81
$614
$24,560
1.6
$53,700
$1,343
$16,110
$403
427
19%
Wood County
$11.81
$614
$24,560
1.6
$53,700
$1,343
$16,110
$403
9,436
26%
$8.29
$431
1.4
Wyoming County
$11.02
$573
$22,920
1.5
$49,400
$1,235
$14,820
$371
1,547
17%
$13.05
$679
0.8
1: BR = Bedroom
227
Wisconsin
In Wisconsin, the Fair Market Rent (FMR) for a two-bedroom apartment is $767. In order to afford this level of rent
Wage of:
$14.76
In Wisconsin, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Wisconsin, the estimated mean (average) wage for a renter is $11.42. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between
Affordable Rent
and FMR
$173
$767
Two-Bedroom FMR
$1,689

$594
$507
$260
Minimum Wage Earner
$390
SSI Recipient
$551
$377
Minimum Wage Earner

(SSI) Recipient
$216
$0
$500
$1,000
$1,500
$2,000
228
Wisconsin
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Wisconsin
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.76
$767
$30,697
2.0
$67,554
$1,689
$20,266
$507
717,964
31%
$11.42
$594
1.3
$13.22
$687
$27,487
1.8
$60,550
$1,514
$18,165
$454
158,822
25%
$9.49
$494
1.4
Metropolitan Areas
Appleton MSA
$12.88
$670
$26,800
1.8
$71,200
$1,780
$21,360
$534
22,176
25%
$10.88
$566
1.2
Columbia County HMFA
$14.00
$728
$29,120
1.9
$70,800
$1,770
$21,240
$531
5,655
25%
$9.26
$481
1.5
Duluth MSA
$13.31
$692
$27,680
1.8
$64,300
$1,608
$19,290
$482
6,140
32%
$9.77
$508
1.4
Eau Claire MSA
$14.23
$740
$29,600
2.0
$64,800
$1,620
$19,440
$486
20,955
33%
$9.17
$477
1.6
Fond du Lac MSA
$13.06
$679
$27,160
1.8
$66,800
$1,670
$20,040
$501
11,724
29%
$10.32
$537
1.3
Green Bay HMFA
$13.10
$681
$27,240
1.8
$68,200
$1,705
$20,460
$512
33,926
32%
$11.51
$599
1.1
Iowa County HMFA
$14.56
$757
$30,280
2.0
$71,900
$1,798
$21,570
$539
2,197
23%
$9.71
$505
1.5
Janesville MSA
$14.83
$771
$30,840
2.0
$61,000
$1,525
$18,300
$458
17,564
28%
$9.71
$505
1.5
Kenosha County HMFA
$18.65
$970
$38,800
2.6
$63,500
$1,588
$19,050
$476
19,879
32%
$10.34
$538
1.8
La Crosse MSA
$13.44
$699
$27,960
1.9
$66,300
$1,658
$19,890
$497
15,934
35%
$9.87
$513
1.4
Madison HMFA
$17.27
$898
$35,920
2.4
$80,800
$2,020
$24,240
$606
81,320
40%
$12.23
$636
1.4
Milwaukee-Waukesha-West Allis MSA
$15.62
$812
$32,480
2.2
$70,300
$1,758
$21,090
$527
236,863
38%
$13.42
$698
1.2
Minneapolis-St. Paul-Bloomington MSA
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
10,531
22%
$8.17
$425
2.2
Oconto County HMFA
$12.25
$637
$25,480
1.7
$60,400
$1,510
$18,120
$453
2,749
17%
$6.38
$332
1.9
Oshkosh-Neenah MSA
$12.56
$653
$26,120
1.7
$68,800
$1,720
$20,640
$516
21,723
32%
$12.69
$660
1.0
Racine MSA
$14.13
$735
$29,400
1.9
$68,600
$1,715
$20,580
$515
23,154
31%
$11.14
$579
1.3
Sheboygan MSA
$13.83
$719
$28,760
1.9
$65,100
$1,628
$19,530
$488
12,805
28%
$11.50
$598
1.2
Wausau MSA
$12.42
$646
$25,840
1.7
$65,400
$1,635
$19,620
$491
13,847
26%
$10.76
$560
1.2
Adams County
$12.25
$637
$25,480
1.7
$49,500
$1,238
$14,850
$371
1,464
17%
$9.28
$482
1.3
Ashland County
$12.25
$637
$25,480
1.7
$47,300
$1,183
$14,190
$355
1,942
29%
$10.13
$527
1.2
Barron County
$12.90
$671
$26,840
1.8
$56,000
$1,400
$16,800
$420
5,113
27%
$8.77
$456
1.5
Bayfield County
$12.44
$647
$25,880
1.7
$57,800
$1,445
$17,340
$434
1,262
18%
$5.85
$304
2.1
Counties
Brown County
$13.10
$681
$27,240
1.8
$68,200
$1,705
$20,460
$512
32,380
33%
$11.61
$604
1.1
Buffalo County
$13.73
$714
$28,560
1.9
$57,200
$1,430
$17,160
$429
1,302
23%
$8.87
$461
1.5
Burnett County
$12.25
$637
$25,480
1.7
$49,400
$1,235
$14,820
$371
1,514
21%
$6.59
$343
1.9
1: BR = Bedroom
229
Wisconsin
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Calumet County
$12.88
$670
$26,800
1.8
$71,200
$1,780
$21,360
$534
3,186
17%
$8.12
$422
1.6
Chippewa County
$14.23
$740
$29,600
2.0
$64,800
$1,620
$19,440
$486
6,628
27%
$8.66
$450
1.6
Clark County
$12.25
$637
$25,480
1.7
$54,100
$1,353
$16,230
$406
2,800
21%
$9.63
$501
1.3
Columbia County
$14.00
$728
$29,120
1.9
$70,800
$1,770
$21,240
$531
5,655
25%
$9.26
$481
1.5
Crawford County
$12.25
$637
$25,480
1.7
$54,900
$1,373
$16,470
$412
1,667
24%
$7.07
$368
1.7
Dane County
$17.27
$898
$35,920
2.4
$80,800
$2,020
$24,240
$606
81,320
40%
$12.23
$636
1.4
Dodge County
$14.19
$738
$29,520
2.0
$66,300
$1,658
$19,890
$497
8,638
26%
$11.41
$593
1.2
Door County
$13.23
$688
$27,520
1.8
$63,500
$1,588
$19,050
$476
3,485
25%
$7.97
$414
1.7
Douglas County
$13.31
$692
$27,680
1.8
$64,300
$1,608
$19,290
$482
6,140
32%
$9.77
$508
1.4
Dunn County
$12.88
$670
$26,800
1.8
$63,900
$1,598
$19,170
$479
5,256
32%
$9.67
$503
1.3
Eau Claire County
$14.23
$740
$29,600
2.0
$64,800
$1,620
$19,440
$486
14,327
36%
$9.37
$487
1.5
Florence County
$12.25
$637
$25,480
1.7
$50,800
$1,270
$15,240
$381
284
15%
$3.96
$206
3.1
Fond du Lac County
$13.06
$679
$27,160
1.8
$66,800
$1,670
$20,040
$501
11,724
29%
$10.32
$537
1.3
Forest County
$12.25
$637
$25,480
1.7
$48,200
$1,205
$14,460
$362
865
22%
$6.58
$342
1.9
Grant County
$12.25
$637
$25,480
1.7
$58,300
$1,458
$17,490
$437
5,151
27%
$8.32
$433
1.5
Green County
$12.69
$660
$26,400
1.8
$67,200
$1,680
$20,160
$504
3,386
23%
$9.51
$495
1.3
Green Lake County
$12.25
$637
$25,480
1.7
$65,800
$1,645
$19,740
$494
1,804
23%
$10.15
$528
1.2
Iowa County
$14.56
$757
$30,280
2.0
$71,900
$1,798
$21,570
$539
2,197
23%
$9.71
$505
1.5
Iron County
$12.25
$637
$25,480
1.7
$49,100
$1,228
$14,730
$368
691
23%
$4.56
$237
2.7
1.1
Jackson County
$13.02
$677
$27,080
1.8
$54,300
$1,358
$16,290
$407
2,086
26%
$11.57
$602
Jefferson County
$15.27
$794
$31,760
2.1
$68,700
$1,718
$20,610
$515
9,117
29%
$9.88
$514
1.5
Juneau County
$12.54
$652
$26,080
1.7
$56,600
$1,415
$16,980
$425
2,568
24%
$10.91
$567
1.1
Kenosha County
$18.65
$970
$38,800
2.6
$63,500
$1,588
$19,050
$476
19,879
32%
$10.34
$538
1.8
Kewaunee County
$13.10
$681
$27,240
1.8
$68,200
$1,705
$20,460
$512
1,546
19%
$9.30
$483
1.4
La Crosse County
$13.44
$699
$27,960
1.9
$66,300
$1,658
$19,890
$497
15,934
35%
$9.87
$513
1.4
Lafayette County
$12.25
$637
$25,480
1.7
$62,000
$1,550
$18,600
$465
1,373
21%
$8.27
$430
1.5
Langlade County
$12.25
$637
$25,480
1.7
$52,600
$1,315
$15,780
$395
2,064
23%
$6.88
$358
1.8
Lincoln County
$12.25
$637
$25,480
1.7
$62,400
$1,560
$18,720
$468
2,984
23%
$8.94
$465
1.4
Manitowoc County
$12.25
$637
$25,480
1.7
$61,400
$1,535
$18,420
$461
8,196
24%
$9.81
$510
1.2
Marathon County
$12.42
$646
$25,840
1.7
$65,400
$1,635
$19,620
$491
13,847
26%
$10.76
$560
1.2
Marinette County
$12.25
$637
$25,480
1.7
$55,900
$1,398
$16,770
$419
4,233
22%
$9.79
$509
1.3
1: BR = Bedroom
230
Wisconsin
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Marquette County
$13.25
$689
$27,560
1.8
$56,600
$1,415
$16,980
$425
1,393
21%
Menominee County
$12.83
$667
$26,680
1.8
$37,500
$938
$11,250
$281
366
29%
Milwaukee County
$15.62
$812
$32,480
2.2
$70,300
$1,758
$21,090
$527
182,547
Monroe County
$13.79
$717
$28,680
1.9
$62,800
$1,570
$18,840
$471
5,328
Oconto County
$12.25
$637
$25,480
1.7
$60,400
$1,510
$18,120
$453
Oneida County
$13.42
$698
$27,920
1.9
$58,100
$1,453
$17,430
Outagamie County
$12.88
$670
$26,800
1.8
$71,200
$1,780
Ozaukee County
$15.62
$812
$32,480
2.2
$70,300
Pepin County
$12.25
$637
$25,480
1.7
Pierce County
$18.19
$946
$37,840
2.5
Polk County
$14.56
$757
$30,280
Portage County
$13.33
$693
Price County
$12.25
Racine County
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$8.16
$424
1.6
48%
$14.44
$751
1.1
31%
$10.35
$538
1.3
2,749
17%
$6.38
$332
1.9
$436
3,015
19%
$9.00
$468
1.5
$21,360
$534
18,990
27%
$11.20
$582
1.2
$1,758
$21,090
$527
7,285
21%
$10.02
$521
1.6
$61,500
$1,538
$18,450
$461
721
24%
$8.72
$454
1.4
$82,900
$2,073
$24,870
$622
3,784
25%
$7.27
$378
2.5
2.0
$61,900
$1,548
$18,570
$464
3,858
21%
$9.29
$483
1.6
$27,720
1.8
$63,700
$1,593
$19,110
$478
8,765
31%
$9.15
$476
1.5
$637
$25,480
1.7
$57,500
$1,438
$17,250
$431
1,460
21%
$8.05
$419
1.5
$14.13
$735
$29,400
1.9
$68,600
$1,715
$20,580
$515
23,154
31%
$11.14
$579
1.3
Richland County
$12.38
$644
$25,760
1.7
$57,400
$1,435
$17,220
$431
1,864
25%
$9.74
$506
1.3
Rock County
$14.83
$771
$30,840
2.0
$61,000
$1,525
$18,300
$458
17,564
28%
$9.71
$505
1.5
Rusk County
$12.25
$637
$25,480
1.7
$50,200
$1,255
$15,060
$377
1,483
23%
$8.19
$426
1.5
Sauk County
$14.83
$771
$30,840
2.0
$67,400
$1,685
$20,220
$506
7,343
29%
$9.39
$488
1.6
Sawyer County
$12.37
$643
$25,720
1.7
$50,100
$1,253
$15,030
$376
1,878
24%
$8.68
$451
1.4
Shawano County
$12.25
$637
$25,480
1.7
$56,100
$1,403
$16,830
$421
4,248
25%
$8.80
$457
1.4
Sheboygan County
$13.83
$719
$28,760
1.9
$65,100
$1,628
$19,530
$488
12,805
28%
$11.50
$598
1.2
St. Croix County
$18.19
$946
$37,840
2.5
$82,900
$2,073
$24,870
$622
6,747
21%
$8.39
$436
2.2
Taylor County
$12.25
$637
$25,480
1.7
$58,000
$1,450
$17,400
$435
1,885
21%
$7.78
$404
1.6
Trempealeau County
$12.25
$637
$25,480
1.7
$61,600
$1,540
$18,480
$462
2,812
24%
$9.75
$507
1.3
Vernon County
$12.25
$637
$25,480
1.7
$58,100
$1,453
$17,430
$436
2,373
20%
$8.41
$437
1.5
Vilas County
$13.67
$711
$28,440
1.9
$53,800
$1,345
$16,140
$404
2,448
23%
$8.36
$435
1.6
Walworth County
$15.12
$786
$31,440
2.1
$70,700
$1,768
$21,210
$530
11,981
30%
$9.25
$481
1.6
Washburn County
$13.83
$719
$28,760
1.9
$52,200
$1,305
$15,660
$392
1,419
19%
$7.37
$383
1.9
Washington County
$15.62
$812
$32,480
2.2
$70,300
$1,758
$21,090
$527
11,405
22%
$10.42
$542
1.5
Waukesha County
$15.62
$812
$32,480
2.2
$70,300
$1,758
$21,090
$527
35,626
23%
$12.63
$657
1.2
Waupaca County
$12.54
$652
$26,080
1.7
$62,700
$1,568
$18,810
$470
4,988
23%
$10.00
$520
1.3
1: BR = Bedroom
231
Wisconsin
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
Waushara County
$12.40
$645
$25,800
1.7
$53,700
$1,343
$16,110
$403
1,919
19%
$7.98
$415
1.6
Winnebago County
$12.56
$653
$26,120
1.7
$68,800
$1,720
$20,640
$516
21,723
32%
$12.69
$660
1.0
Wood County
$12.25
$637
$25,480
1.7
$60,300
$1,508
$18,090
$452
8,030
25%
$11.70
$608
1.0
1: BR = Bedroom
232
Wyoming
In Wyoming, the Fair Market Rent (FMR) for a two-bedroom apartment is $768. In order to afford this level of rent
Wage of:
$14.77
In Wyoming, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Wyoming, the estimated mean (average) wage for a renter is $13.62. In order to afford the FMR for a two-bedroom
FMR affordable.
$768
Two-Bedroom FMR
$1,814

$708
$544
$224
Minimum Wage Earner
$391
SSI Recipient
$552
$377
Minimum Wage Earner

(SSI) Recipient
Gap between
Affordable Rent
and FMR
$60
$216
$0
$500
$1,000
$1,500
$2,000
233
Wyoming
FY14 HOUSING WAGE

Hourly wage
needed to 1
afford 2 BR
FMR 2
Wyoming
HOUSING COSTS
2 BR
FMR
RENTER HOUSEHOLDS
Full-time jobs
Annual
wage needed to
to afford
afford 2 BR FMR
2 BR FMR
Annual
3
AMI
Monthly
rent 4
affordable
at AMI
30%
5
of AMI
Monthly
rent
affordable
at 30%
of AMI
Renter
% of total
(2008-2012) (2008-2012)
Monthly
Estimated
Full-time jobs
rent
renter wage at mean
wage needed to
(2014)
$14.77
$768
$30,716
2.0
$72,577
$1,814
$21,773
$544
65,820
30%
$13.62
$708
1.1
$14.69
$764
$30,549
2.0
$73,119
$1,828
$21,936
$548
45,218
29%
$14.01
$728
1.0
Casper MSA
$14.65
$762
$30,480
2.0
$67,500
$1,688
$20,250
$506
9,121
30%
$14.19
$738
1.0
Cheyenne MSA
$15.17
$789
$31,560
2.1
$74,500
$1,863
$22,350
$559
11,481
31%
$11.10
$577
1.4
Albany County
$14.35
$746
$29,840
2.0
$73,700
$1,843
$22,110
$553
7,401
49%
$7.84
$408
1.8
Metropolitan Areas
Counties
Big Horn County
$12.25
$637
$25,480
1.7
$63,900
$1,598
$19,170
$479
1,173
26%
$10.59
$551
1.2
Campbell County
$17.13
$891
$35,640
2.4
$87,900
$2,198
$26,370
$659
4,035
24%
$17.78
$924
1.0
Carbon County
$13.12
$682
$27,280
1.8
$72,500
$1,813
$21,750
$544
1,619
27%
$14.66
$762
0.9
Converse County
$12.27
$638
$25,520
1.7
$74,100
$1,853
$22,230
$556
1,453
26%
$13.53
$704
0.9
Crook County
$12.25
$637
$25,480
1.7
$57,000
$1,425
$17,100
$428
657
22%
$12.99
$676
0.9
Fremont County
$13.88
$722
$28,880
1.9
$60,600
$1,515
$18,180
$455
4,442
29%
$10.82
$563
1.3
Goshen County
$12.25
$637
$25,480
1.7
$54,400
$1,360
$16,320
$408
1,465
28%
$10.45
$543
1.2
Hot Springs County
$12.25
$637
$25,480
1.7
$60,900
$1,523
$18,270
$457
743
34%
$10.54
$548
1.2
Johnson County
$12.25
$637
$25,480
1.7
$64,200
$1,605
$19,260
$482
886
24%
$9.49
$494
1.3
Laramie County
$15.17
$789
$31,560
2.1
$74,500
$1,863
$22,350
$559
11,481
31%
$11.10
$577
1.4
Lincoln County
$14.65
$762
$30,480
2.0
$71,500
$1,788
$21,450
$536
1,064
17%
$11.98
$623
1.2
Natrona County
$14.65
$762
$30,480
2.0
$67,500
$1,688
$20,250
$506
9,121
30%
$14.19
$738
1.0
Niobrara County
$12.27
$638
$25,520
1.7
$60,500
$1,513
$18,150
$454
348
34%
Park County
$12.73
$662
$26,480
1.8
$63,500
$1,588
$19,050
$476
3,466
29%
$14.48
$753
0.9
Platte County
$12.25
$637
$25,480
1.7
$59,200
$1,480
$17,760
$444
749
20%
$11.11
$578
1.1
Sheridan County
$15.42
$802
$32,080
2.1
$68,700
$1,718
$20,610
$515
3,733
30%
$10.70
$556
1.4
Sublette County
$18.48
$961
$38,440
2.5
$87,200
$2,180
$26,160
$654
847
24%
$22.04
$1,146
0.8
Sweetwater County
$17.48
$909
$36,360
2.4
$84,900
$2,123
$25,470
$637
4,743
29%
$19.52
$1,015
0.9
Teton County
$19.10
$993
$39,720
2.6
$96,800
$2,420
$29,040
$726
2,866
39%
$12.46
$648
1.5
Uinta County
$12.52
$651
$26,040
1.7
$75,800
$1,895
$22,740
$569
1,847
25%
$9.50
$494
1.3
Washakie County
$12.25
$637
$25,480
1.7
$67,700
$1,693
$20,310
$508
1,053
31%
$12.04
$626
1.0
Weston County
$12.25
$637
$25,480
1.7
$75,700
$1,893
$22,710
$568
628
21%
$12.33
$641
1.0
1: BR = Bedroom
234
APPENDIX A: Data Notes, Methodologies, and Sources

Appendix A describes the data and methodological underpinnings of Out of Reach.
Following a description of each subject, a link to the primary data source is provided. In
some instances, supplementary material is also cited. Information on how to calculate
and interpret the data can be found in the sections Where the Numbers Come From and
How to Use the Numbers, which immediately follow the reports introduction.
Fair Market Rent Area Definitions

Each year, HUD determines Fair Market Rents (FMRs) for metropolitan and rural housing
markets across the country. In metropolitan areas, HUD tries to use the most current
Office of Management and Budget (OMB) metropolitan area definitions to define housing
market boundaries for its FMR areas. Since FMR areas are meant to reflect cohesive
housing markets, simply adopting the OMB definitions for administrative purposes is
not always preferable. Also, significant changes to area definitions can affect current
recipients. Thus, in keeping with guidance to all federal agencies from OMB, HUD
modifies the boundaries in some instances for purposes of program administration.
Reacting to OMBs sweeping post-census overhaul of metropolitan area definitions in
2003, HUD developed FMR areas in 2005 that incorporated these new definitions, but
modified them if a county (or 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.1 HUD (and Out of Reach) refers to unmodified OMB-defined areas
as Metropolitan Statistical Areas (MSAs) and modified areas as HUD Metro FMR Areas
(HMFAs).
FY14 FMR areas incorporate December 2009 OMB updates of metropolitan area
definitions. OMB released new metropolitan area definitions in February 2013 but these
definitions have not yet been incorporated.
In cases in which an FMR area crosses state lines, this report provides an entry for the
area under both states. While the Housing Wage, FMR, and Area Median Income (AMI)
values apply to the entire FMR area and will be the same in both states, other data such
as the number of renter households and the minimum and renter wages apply only to the
portion of the FMR area within that states borders.
Fair Market Rents

Prior to FY12, data from Census 2000 provided the foundation for HUDs calculation
of FMRs. For most areas, data on rent levels from the ACS were compared to Census
2000 data, and an update factor was calculated to project Census 2000 base rents to an
intermediate rent estimate.
1
2
From FY05 until FY07, FMRs were updated from year to year based on either the
Consumer Price Index (CPI) or periodic Random Digit Dialing (RDD) surveys. Since FY08,
however, information from the American Community Survey (ACS), an annual survey
conducted by the U.S. Census Bureau that replaced the long form of the decennial
census in 2010, has provided more recent and more localized data on rental cost trends.
In FY12, HUD fully completed a transition to using the ACS as the baseline for calculating
FMRs, instead of relying on the decennial census. With the release of the 2005-2009
five-year ACS data, updated data are available for all FMR areas, including areas with
populations of less than 20,000, for the first time since the 2000 Decennial Census. The
FY14 FMRs are based on the 2007-2011 ACS data.
As it is not possible to easily identify recent movers in the five-year ACS data, base rents
are determined using the standard quality two-bedroom gross rent estimates from the
five-year ACS data, expressed as a 2010 figure. Then, a recent mover adjustment factor is
applied to the base rents. This factor is calculated as the percentage change between the
five-year 2007-2011 two-bedroom gross rent, and the one-year 2011 recent mover twobedroom gross rent. The data represent the smallest geographic area containing the FMR
area where the gross rent is statistically reliable.
Local area rent survey results are used as base rents when the survey results indicate
rents that are statistically different from the ACS-based rents. In the development of the
FY14 FMRs, local area rent surveys conducted in 2013 were used for the Oakland, CA
metropolitan area and Danbury, CT.
The rent estimates determined using ACS data are trended through 2012 using local or
regional CPI data.2 In past years, the FMR estimates were then increased at an annual
rate of 3% for 15 months. For FY13, HUD revised its approach. A trend factor is now
developed that reflects the annualized change in median gross rents between the one-year
2006 ACS and the one-year 2011 ACS. The result is an effective trend factor of 3.4% that
is applied to the FMR estimates to project them forward to April 2014.
While the Out of Reach printed book highlights the two-bedroom FMR, the online
version of the report includes a broader data set covering the zero- to four-bedroom
FMRs. The focus on the two-bedroom FMRs reflects HUD methodology. HUD finds that
the two-bedroom rental units are most common and the most reliable to survey, so the
two-bedroom units are utilized as the primary FMR estimate. The two-bedroom FMR
estimates are then used to calculate and set FMRs for units of other sizes. For FY14, HUD
updated bedroom ratio adjustment factors using the 2006-2010 five-year ACS data. In
past years, the rent adjustment factors were based upon 2000 Decennial Census data.
See Appendices A and B in Out of Reach 2006 for additional information on HUDs methodologies and their effects on FMR area definitions.
Documentation on the development of the FMR for each county and metropolitan area can be accessed at www.huduser.org/portal/datasets/fmr.html.
235
Prior editions of Out of Reach compared an areas FMR with its Census 2000 base rent. Due to
the shift in the methodology, FMRs are no longer comparable between current and prior years.
HUD provides an online tool that illustrates the rationale behind each FMR area
definition and the calculation of each FMR. HUD also publishes PDF and Excel files that
list the counties and towns included in each area and their FY14 FMRs. These resources
are available at www.huduser.org/datasets/fmr.html.
Appendix B contains excerpts from HUDs Notice of Final Fair Market Rents and includes
a link to the full document.
40th and 50th Percentile FMR Designation

According to an interim rule (65 FR 58870) published in 2000, HUD is required to set
FMRs at the 50th percentile rent, rather than the 40th, in large metropolitan areas with
concentrated poverty. This rule was established to expand rental opportunities by making
units in less-impoverished areas affordable to Housing Choice Voucher holders. Once
designated, the FMR area retains its 50th percentile rent for three years, at which time
HUD reviews it for continuing eligibility.
In FY13, 20 areas used 50th percentile FMRs, and 19 of these areas will maintain their 50th
percentile designation for FY14. Bergen-Passaic, NJ has completed its three years and is due
for a reevaluation. An asterisk (*) is used to denote the 19 50th percentile areas in Out of Reach.
The last page in this appendix lists which FMR areas are currently eligible for the 50th
percentile rent.
National, State, and Nonmetro Fair Market Rents

HUD calculates FMRs for metropolitan areas and nonmetro counties, but not for states,
combined nonmetro areas, or the nation. The FMRs for these larger geographies provided
in Out of Reach are calculated by NLIHC and reflect the weighted average FMR for the
counties included in the larger geography. The weight used for FMRs is the number of
renter households within each county from the American Community Survey (20082012), released in December 2013.
Area Median Income (AMI)

On December 18, 2013, HUD published its FY14 AMIs used in this edition of Out of
Reach. HUD calculates the AMI for families at the metropolitan level for more urbanized
areas and at the county level for nonmetropolitan areas. The Census definition of family
is two or more persons related by blood, marriage or adoption residing together. This
family AMI value relates to the universe of all families and is not intended to apply to a
specific family size.
In 2011, HUD updated the methodology used to calculate family AMIs due to the
availability of new five-year ACS data. That year, HUD discontinued use of Census 2000
data in the production of FY11 AMIs.
The five-year (2007-2011) ACS data are used to calculate the FY14 AMIs, but in areas with
valid 2011 one-year ACS data, HUD incorporated the more recent data.
The 2011 AMI estimates are trended from 2011 to the end of 2012 using the Consumer
Price Index, and to the midpoint of 2014 using a factor of 0.98%. The trend factor reflects
the annualized change in the national median family income as measured by comparing
the 2006 one-year ACS and the 2011 one-year ACS.
Based on the incomes provided by HUD and applying the assumption that no more than
30% of income should be spent on housing costs (see below), Out of Reach calculates
the maximum affordable rent for households earning the median income and 30% of
the median (extremely low income). These calculations are presented in this book, and
calculations corresponding to 50% and 80% of AMI are included in the online publication.
It is important to note that these are straight percentages and do not include adjustments
HUD uses in calculating its income limits for federal housing programs.
The median incomes for states and combined nonmetropolitan areas reported in Out of
Reach reflect the average of local AMI data weighted by the total number of households
provided by the five-year ACS (2008-2012).
A comprehensive list of the counties and towns included in FY14 income limit
calculations, the methodology for calculating median family income estimates and a
discussion of HUDs adjustments to subsequent income limits are provided in FY2014
HUD Income Limits Briefing Material, available at http://bit.ly/1oBPcU7.
Affordability
Out of Reach is consistent with federal housing policy in the assumption that no more
than 30% of a households gross income should be consumed by gross housing costs.
Spending more than 30% of income on housing is considered unaffordable.3
Although Out of Reach explicitly addresses affordability in the rental housing market,
housing affordability problems are not unique to renters. The State of the Nations Housing:
2013, published by Harvard Universitys Joint Center for Housing Studies (http://bit.
ly/1nHEWfY) includes an analysis of the affordability problems faced by homeowners.
The Housing and Urban-Rural Recovery Act of 1983 made the 30% rule of thumb applicable to all current rental housing assistance programs. See Pelletiere, D. (2008). Getting to the heart of housings fundamental question: How much can a family afford?
Washington, DC: National Low Income Housing Coalition.
236
Prevailing Minimum Wage

The federal minimum wage on January 1, 2014, was $7.25 per hour; this wage was
effective as of July 2009. Out of Reach incorporates the federal minimum wage in effect at
the time of publication.
According to data from the U.S. Department of Labor, the District of Columbia and 20
states implemented a state minimum wage higher than $7.25 by January 1, 2014. In
place of the lower federal rate, Out of Reach incorporates the prevailing minimum wage
in these states. Some local municipalities have a minimum wage that is higher than the
federal rate, but this local rate is not incorporated into Out of Reach data due to lack of
comprehensive data on the subject.
Among the statistics included in Out of Reach are the number of hours and subsequent
full-time jobs a minimum wage earner must work to afford the FMR. If the reader would
like to calculate the same statistics using a different wage such as a higher local minimum
wage, a simple formula can be used for the conversion:
[hours or jobs at the published wage] *
[published wage] / [alternative wage]
For example, one would have to work 105 hours per week to afford the zero bedroom FMR
in San Francisco if the minimum wage in that location was equivalent to the national rate
of $7.25. However, the same FMR would be affordable in 71 hours under the higher local
minimum wage of $10.744 (105 * $7.25 / $10.74). For further guidance, see Where the
Numbers Come From or contact NLIHC research staff.
The Department of Labor (www.dol.gov/whd/minwage/america.htm) provides further
information on state minimum wage laws.
Average Renter Wage

Recognizing that the minimum wage reflects the earnings of only the lowest income
workers, Out of Reach also calculates an estimated mean renter hourly wage. This measure
reflects the compensation that a typical renter is likely to receive for an hour of work
by dividing average weekly earnings by 40 hours, thus assuming a full-time workweek.
Earnings include several non-wage forms of compensation like paid leave, bonuses, tips,
and stock options.5
The estimated mean renter hourly wage is based on the average weekly earnings of private
(non-governmental) employees working in each county.6 Renter wage information is based
on 2012 data reported by the BLS in the Quarterly Census of Employment and Wages. For
each county, mean hourly earnings are multiplied by the ratio of median renter income
City & County of San Francisco Labor Standards Enforcement (2013). www.sfgsa.org/index.aspx
Please note this measure is different from the Estimated Renter Median Household Income (provided online), which
reflects an estimate of what renter households are earning today and includes income not earned in relation to employment.
6
Renter wage data for 31 counties are not provided in Out of Reach either because the BLS could not disclose the data for confidentiality reasons or because the number of employees working in the county was insufficient to estimate a reliable wage.
to median total household income in the American Community Survey (2008-2012) to

arrive at an estimated average renter wage. In only 18 counties nationwide, the median
renter income exceeds median household income. Nationally, however, the median renter
household earned only an average of 60% of the overall median household income in 2012.7
In roughly 11% of counties, the renter wage is below the federal minimum wage. One
likely explanation is that workers in these counties average fewer than 40 hours per
week, but the mean renter wage calculation assumes weekly compensation is the product
of a full-time work week. For example, mistakenly assuming earnings from 20 hours of
work were the product of a full-time workweek would underestimate the actual hourly
wage by half, but it would also accurately reflect the true earnings of renters under the
assumption of a full-time schedule (see next section). As it was last year, the estimated
mean renter hourly wage reported in Out of Reach has been adjusted to the same as of
date assigned to FMRs and AMIs by HUD (April 1, 2014, for this fiscal year) and uses the
same methodology that HUD uses to project its income estimates. Because annual average
values calculated from BLS data might be considered as of July 1 for the calendar year
for which they are reported, the data are projected to year-end 2012 using a national
inflation factor. An annual rate of 0.98% is then used to grow renter wages for five
quarters to April 1, 2014.8
Wage data from the Quarterly Census of Employment and Wages are available through
the Bureau of Labor Statistics at www.bls.gov/cew/home.htm.
Working Hours
Calculations of the Housing Wage and of the number of jobs required at the minimum wage
or mean renter wage to afford the FMR assume that an individual works 40 hours per week,
52 weeks each year, for a total of 2,080 hours per year. Seasonal employment, unpaid sick
leave, temporary lay-offs, and job changes as well as vacations prevent many individuals
from maximizing their earnings throughout the year. According to Current Employment
Statistics data from February 2014, the average wage earner in the U.S. worked 34.2 hours
per week.9 And in related research, NLIHC finds that 29% of renter households that earn
wage or salary income do not work as many as 40 hours per week, on average.10
These statistics should remind the reader that not all employees have the opportunity to
translate an hourly wage into full-time, year-round employment. For these households,
the Housing Wage underestimates the actual hourly compensation that a worker must
earn to afford the FMR. Conversely, some households include multiple wage earners or
single individuals that average more than 40 hours per week at work. For these, a home
renting at the FMR would be affordable even if each worker earned less than the areas
stated Housing Wage, as long as their combined wages exceed the Housing Wage.
NLIHC tabulations of 2011 American Community Survey data.

Following HUDs methodology for developing FY14 AMIs, a 0.98% growth rate was used to trend average renter wages
from year-end 2012 to April 1, 2014.
9
Bureau of Labor Statistics. (2014). The employment situation: February 2014. Washington, DC: U.S. Department of Labor.
10
Wardrip, K. & Pelletiere, D. (2007).
237
For an expanded report on hours and earnings as reported by the Bureau of Labor
Statistics, see The Employment Situation: February 2014 at: http://www.bls.gov/news.
release/empsit.nr0.htm
Supplemental Security Income (SSI)

Out of Reach compares rental housing costs with the rents affordable to individuals
receiving Supplemental Security Income (SSI) payments. The numbers in Out of Reach
are based on the maximum federal SSI payment for individuals in 2014, which is $721
per month. Out of Reach calculations include supplemental payments that benefit all
individual SSI recipients in the following six states because the payments are centrally
administered by the Social Security Administration (SSA): California, Massachusetts,
Nevada, New Jersey, New York, and Vermont.
Supplemental payments provided by an additional 40 states and the District of
Columbia are excluded from Out of Reach calculations. For some, these payments are
administered by the SSA but are available only to populations with specific disabilities,
in specific facilities, or in specific household settings. For the vast majority, however, the
supplements are administered directly by the states, so the data are not readily available.
The only four states that do not supplement federal SSI payments are Arizona, North
Dakota, Mississippi, and West Virginia. Residents of Puerto Rico cannot receive federal
SSI payments.
Since SSI payments are set at the state level, the published version of Out of Reach
calculates the difference between each states average two-bedroom FMR and the rent
that is affordable for SSI recipients. Readers can calculate this gap for any geography by
subtracting the rent affordable to an SSI recipient from the areas FMR.
Information on SSI payments is available through the Social Security Administration at
http://www.ssa.gov/policy/docs/statcomps/ssi_asr/.
Information on state supplements can be found at www.ssa.gov/pubs/statessi.html.
Eligibility for 50th Percentile Fair Market Rent

In FY14, Fair Market Rents (FMRs) were set at the 50th percentile rent in 19 FMR
areas where voucher tenants were concentrated in high-poverty areas. Compared with
the typical 40th percentile rent, this higher voucher payment standard would provide
tenants with housing options in less-impoverished areas. All of the FMR areas were also
designated as 50th percentile rent for FY12. One, Bergen Passaic, NJ HMFA, graduated
from the 50th percentile program in FY13.
Areas Remaining Eligible for FY14 50th Percentile FMR

Austin-Round Rock-San Marcos, TX MSA
Baltimore-Towson, MD MSA
Fort Lauderdale, FL HMFA
Fort Worth-Arlington, TX HMFA
Hartford-West Hartford-East Hartford, CT HMFA
Honolulu, HI MSA
Houston-Baytown-Sugar Land, TX HMFA
Las Vegas-Paradise, NV MSA
Orange County, CA HMFA
North Port-Bradenton-Sarasota, FL MSA
Phoenix-Mesa-Glendale, AZ MSA
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
Sacramento-Arden-Arcade-Roseville, CA HMFA
Richmond, VA HMFA
Riverside-San Bernardino-Ontario, CA HMFA
Virginia Beach-Norfolk-Newport News, VA-NC
Tucson, AZ MSA
New Haven-Meriden, CT HMFA
West Palm Beach-Boca Raton, FL HMFA
The Technical Assistance Collaborative, Inc., publishes a biennial report comparing Fair
Market Rents with the incomes of SSI recipients. Recent editions of Priced Out can be
found at http://www.tacinc.org/knowledge-resources/publications/
Additional Data Available Online

Data available in the print version of Out of Reach are limited in an effort to present the
most important information clearly. Additional data can be found online at www.nlihc.org.
The Out of Reach methodology was developed by Cushing N. Dolbeare, founder of the
National Low Income Housing Coalition.
238
APPENDIX B: Explanation of Fair Market Rent

Excerpts from Notice of Final Fair Market Rents for Fiscal Year 2014. Full document
available at: http://bit.ly/1fMvHkM
Department of Housing and Urban Development
[Docket No. FR5725N02]
Final Fair Market Rents for Fiscal Year 2014 for the Housing Choice Voucher
Program and Moderate Rehabilitation Single Room Occupancy Program
AGENCY: Office of the Assistant Secretary for Policy Development and Research, HUD
ACTION: Notice of Final Fair Market Rents (FMRs) for Fiscal Year (FY) 2014.
I. Background
Section 8 of the USHA (42 U.S.C. 1437f) authorizes housing assistance to aid lowerincome families in renting safe and decent housing. Housing assistance payments are
limited by FMRs established by HUD for different geographic areas. In the HCV program,
the FMR is the basis for determining the payment standard amount used to calculate
the maximum monthly subsidy for an assisted family (see 24 CFR 982.503). In general,
the FMR for an area is the amount that would be needed to pay the gross rent (shelter
rent plus utilities) of privately owned, decent, and safe rental housing of a modest (nonluxury) nature with suitable amenities. In addition, all rents subsidized under the HCV
program must meet reasonable rent standards. HUDs regulations at 24 CFR 888.113
permit it to establish 50th percentile FMRs for certain areas.
II. Procedures for the Development of FMRs

Section 8(c) of the USHA requires the Secretary of HUD to publish FMRs periodically, but
not less frequently than annually. Section 8(c) states in part, as follows:
Proposed fair market rentals for an area shall be published in the Federal Register
with reasonable time for public comment and shall become effective upon the date of
publication in final form in the Federal Register. Each fair market rental in effect under
this subsection shall be adjusted to be effective on October 1 of each year to reflect
changes, based on the most recent available data trended so the rentals will be current for
the year to which they apply, of rents for existing or newly constructed rental dwelling
units, as the case may be, of various sizes and types in the market area.
HUDs regulations at 24 CFR part 888 provide that HUD will develop proposed FMRs,
publish them for public comment, provide a public comment period of at least 30 days,
analyze the comments, and publish final FMRs. (See 24 CFR 888.115.) For FY 2014 FMRs,
HUD has considered all comments submitted in response to its August 5, 2013 (78 FR
47339) proposed FY 2014 FMRs and provides its responses later in this preamble.
In addition, HUDs regulations at 24 CFR 888.113 set out procedures for HUD to assess
whether areas are eligible for FMRs at the 50th percentile. Minimally qualified areas1 are
reviewed each year unless not qualified to be reviewed. Areas that currently have 50th
percentile FMRs are evaluated for progress in voucher tenant concentration after three
years in the program. Continued eligibility is determined using HUD administrative
data that show levels of voucher tenant concentration. The levels of voucher tenant
concentration must be above 25 percent and show a decrease in concentration since the
last evaluation. At least 85 percent of the voucher units in the area must be used to make
this determination. Areas are not qualified to be reviewed if they have been made a 50thpercentile area within the last three years or have lost 50th-percentile status for failure to
de-concentrate within the last three years.
In FY 2013 there were 20 areas using 50th-percentile FMRs. Of these 20 areas, only one
area, the Bergen-Passaic, NJ HMFA, has completed three years of program participation
and is due for reevaluation. Voucher tenant concentration in the Bergen-Passaic, NJ
HMFA has decreased below what is required to be eligible for a 50th percentile FMR and
the area has graduated from the 50th percentile program. Under current 50th percentile
regulations, the Bergen-Passaic, NJ HMFA will be evaluated annually and may return to
the program in the future.
[See the last page of Appendix A for information on 50th percentile areas.]
III. Proposed FY2014 FMRs

On August 5, 2013 (78 FR 47339), HUD published proposed FY 2014 FMRs with a
comment period that ended September 4, 2013. HUD has considered all public comments
received and HUD provides responses to these comments later in this preamble. HUD
does not specifically identify each commenter, but all comments are available for review
on the Federal Governments Web site for capturing comments on proposed regulations
and related documents (Regulations.gov http://www.regulations.gov/ %23!docketDetai
l;D=HUD-2013-0073).
IV. FMR Methodology

The FY 2014 FMRs are based on current OMB metropolitan area definitions and
standards that were first used in the FY 2006 FMRs. OMB changes to the metropolitan
area definitions through December 2009 are incorporated. The February 28, 2013
OMB area definition update has not been incorporated in the FMR process due to the
As defined in 24 CFR 888.113(c), a minimally qualified area is an area with at least 100 Census tracts where 70 percent or fewer of the Census tracts with at least 10 two-bedroom rental units are Census tracts in which at least 30 percent of the two bedroom rental units have gross rents
at or below the two bedroom FMR set at the 40th percentile rent. This continues to be evaluated with 2000 Decennial Census information. Although the 2006 2010 5-year ACS tract level data is available, HUDs administrative data on tenant locations (used in the calculation of concentration) has not yet been updated to use the 2010 Census Tract area definitions. Once this administrative data is updated, HUD will implement the 5-year ACS data as the basis for determining if areas are minimally qualified for 50th percentile status.
239
timing of the release and the availability of ACS data. HUD will work toward incorporating
these new area definitions into the Proposed FY 2015 FMR calculations; however, this is
dependent on the availability of ACS data conforming to the new area definitions.
Other areas recent mover factors are based on larger geographic areas. For metropolitan
areas that are sub-areas of larger metropolitan areas, the order is subarea, metropolitan
area, state metropolitan area, and state.
A. Base Year Rents
Metropolitan areas that are not divided follow a similar path from FMR area, to state
metropolitan areas, to state. In nonmetropolitan areas the recent mover factor is based
on the FMR area, the state nonmetropolitan area, or if that is not available, on the
basis of the whole state. The recent mover factor is calculated as the percentage change
between the 5-year 20072011 standard quality two-bedroom gross rent and the 1 year
2011 recent mover two-bedroom gross rent for the recent mover factor area. Recent
mover factors are not allowed to lower the standard quality base rent; therefore, if the
5-year standard quality rent is larger than the comparable 1 year recent mover rent, the
recent mover factor is set to 1. The process for calculating each areas recent mover factor
is detailed in the FY 2014 Final FMR documentation system available at: http://www.
huduser.org/ portal/datasets/fmr/fmrs/ docsys.html&data=fmr14. This process produces
an as of 2011 recent mover two-bedroom base gross rent for the FMR area.5
The U.S. Census Bureau provided special tabulations of 5-year ACS data collected between
2007 through 2011 to HUD in June 2013. For FY 2014 FMRs, HUD updates the base
rents set in FY 2013 using the 20062010 5-year data with the 20072011 5-year ACS
data.2
FMRs are historically based on gross rents for recent movers (those who have moved into
their current residence in the last 24 months). However, due to the way the 5-year ACS
data are constructed, HUD developed a new methodology for calculating recent-mover
FMRs in FY 2012. As in FY 2013, all areas are assigned as a base rent the estimated twobedroom standard quality 5-year gross rent from the ACS.3
The 2011 ACS is not used as the base rent for 11 areas based on surveys conducted in
2012 and 2013 by HUD or by PHAs. The FY 2013 FMRs were revised for seven areas,
based on surveys conducted in 2012 by the PHA (for Hood River, OR) and by HUD (for
Cheyenne, WY, Odessa, TX, Burlington, VT, Mountrail County, ND, Ward County, ND, and
Williams County, ND). Two surveys conducted by HUD in 2012 were not included in the
revised FY 2013 FMR publications because HUD wanted to provide the opportunity to
comment on the proposed decreases. The survey results for these areas (Flagstaff, AZ and
Rochester, MN) replaced the base rent of the 2011 ACS for the proposed FY 2014 FMRs.
The PHAs that administer programs in the Oakland, CA metropolitan area conducted a
survey in 2013, and submitted results in time to replace the 2011 ACS base rent for the
proposed FMRs. The Danbury, CT survey conducted by HUD was not completed in time to
be included in the proposed FY 2014 publication, but is included in this final publication.
B. Recent Mover Adjustment Factor

The calculation of the recent mover factor for FY 2014 is similar to the methodology used
in FY 2013, with the only difference being the use of updated ACS data. As described
below, HUD calculates a similar percentage increase as the FY 2013 factor using data
from the smallest geographic area containing the FMR area where the recent mover gross
rent is statistically reliable.4 The following describes the process for determining the
appropriate recent mover factor.
In general, HUD uses the 1 year ACS based two-bedroom based two-bedroom recent
mover gross rent estimate from the smallest geographic area encompassing the FMR area
for which the estimate is statistically reliable to calculate the recent mover factor. HUD
calculates some areas recent mover factors using data collected just for the FMR area.
C. Updates from 2011 to 2012

The ACS-based as of 2011 rent is updated through the end of 2012 using the annual
change in CPI from 2011 to 2012. As in previous years, HUD uses Local CPI data coupled
with Consumer Expenditure Survey (CEX) data for FMR areas with at least 75 percent
of their population within Class A metropolitan areas covered by local CPI data. HUD
uses Census region CPI data for FMR areas in Class B and C size metropolitan areas and
nonmetropolitan areas without local CPI update factors. Additionally, HUD is using CPI
data collected locally in Puerto Rico as the basis for CPI adjustments from 2011 to 2012
for all Puerto Rico FMR areas. Following the application of the appropriate CPI update
factor, HUD converts the as of 2012 CPI adjusted rents to as of December 2012 rents
by multiplying each rent by the national December 2012 CPI divided by the national
annual 2012 CPI value. HUD does this in order to apply an exact amount of the annual
trend factor to place the FY 2014 FMRs as of the mid-point of the 2014 fiscal year.
D. Trend from 2012 to 2014

As in FY 2013, HUD continues to calculate the trend factor as the annualized change in
median gross rents as measured across the most recent 5 years of available 1 year ACS
data. The national median gross rent in 2006 was $763 and $871 in 2011. The overall
change between 2006 and 2011 is 14.15 percent and the annualized change is 2.68
percent. Over a 15-month time period, the effective trend factor is 3.365 percent.
E. Bedroom Rent Adjustments

HUD calculates the primary FMR estimates for two-bedroom units. This is generally the
most common sized rental unit and, therefore, the most reliable to survey and analyze.
The only difference in survey data between the 20062010 5-year ACS data and the 20072011 5-year ACS data is the replacement of 2006 survey responses with survey responses collected in 2011. The 2007, 2008, 2009, and 2010 survey responses remain intact.
For areas with a two-bedroom standard quality gross rent from the ACS that have a margin of error greater than the estimate or no estimate due to inadequate sample in the 2011 5-year ACS, HUD uses the two-bedroom state non-metro rent for non-metro areas.
For the purpose of the recent mover factor calculation, statistically reliable is where the recent mover gross rent has a margin of error that is less than the estimate itself.
5
The ACS is not conducted in the Pacific Islands (Guam, Northern Marianas and American Samoa) or the U.S. Virgin Islands. As part of the 2010 Decennial Census, the Census Bureau conducted a long-form sample surveys for these areas. The results gathered by this long form survey
were expected to be available late in 2012; however, these data have not yet become available. Therefore, HUD uses the national change in gross rents, measured between 2010 and 2011 to update last years FMRs for these areas.
2
3
4
240
Formerly, after each decennial Census, HUD calculated rent relationships between twobedroom units and other unit sizes and used them to set FMRs for other units. HUD did
this because it is much easier to update two-bedroom estimates annually and to use preestablished cost relationships with other bedroom sizes than it is to develop independent
FMR estimates for each bedroom size.
When calculating FY 2013 FMRs, HUD updated the bedroom ratio adjustment factors
using 20062010 5-year ACS data using similar methodology to what was implemented
when calculating bedroom ratios using 2000 Census data to establish rent ratios. The
bedroom ratios used in the calculation of FY 2014 FMRs were unchanged from those
calculated using 20062010 ACS data. The bedroom ratios for Puerto Rico were calculated
for the FY 2014 FMRs using the 20062010 Puerto Rico Community survey. HUD
will continue to use the same bedroom ratios until the 5-year ACS from 20112015 is
released, probably in time for the FY 2018 FMRs.
HUD established bedroom interval ranges based on an analysis of the range of such
intervals for all areas with large enough samples to permit accurate bedroom ratio
determinations. These ranges are: Efficiency FMRs are constrained to fall between 0.59
and 0.81 of the two-bedroom FMR; one-bedroom FMRs must be between 0.74 and
0.84 of the two-bedroom FMR; three-bedroom FMRs must be between 1.15 and 1.36
of the two-bedroom FMR; and four-bedroom FMRs must be between 1.24 and 1.64
of the two-bedroom FMR. (The maximums for the three-bedroom and four-bedroom
FMRs are irrespective of the adjustments discussed in the next paragraph.) HUD adjusts
bedroom rents for a given FMR area if the differentials between bedroom-size FMRs were
inconsistent with normally observed patterns (i.e., efficiency rents are not allowed to be
higher than one-bedroom rents and four-bedroom rents are not allowed to be lower than
three-bedroom rents). The bedroom ratios for Puerto Rico follow these constraints.
HUD further adjusts the rents for three-bedroom and larger units to reflect HUDs policy
to set higher rents for these units than would result from using unadjusted market rents.
This adjustment is intended to increase the likelihood that the largest families, who have
the most difficulty in leasing units, will be successful in finding eligible program units. The
adjustment adds 8.7 percent to the unadjusted three-bedroom FMR estimates and adds
7.7 percent to the unadjusted four-bedroom FMR estimates. The FMRs for unit sizes larger
than four bedrooms are calculated by adding 15 percent to the four-bedroom FMR for
each extra bedroom. For example, the FMR for a five-bedroom unit is 1.15 times the fourbedroom FMR, and the FMR for a six-bedroom unit is 1.30 times the four-bedroom FMR.
FMRs for single-room occupancy units are 0.75 times to zero-bedroom (efficiency) FMR.
V. Manufactured Home Space Surveys

The FMR used to establish payment standard amounts for the rental of manufactured
home spaces (pad rentals including utilities) in the HCV program is 40 percent of the FMR
for a two-bedroom unit. HUD will consider exceptions of the manufactured home space
FMRs where public comments present statistically valid survey data of manufactured
home space rent (including the cost of utilities) for the entire FMR area.
All approved exceptions to these rents based on survey data that were in effect in FY 2013
were updated to FY 2014 using the same data used to estimate the HCV program FMRs.
This computation is compared to the new payment standard of 40 percent of the new twobedroom FMR for the area, and if higher, the exception remains and is listed in Schedule
D. No additional exception requests were received in the comments to the FY 2014 FMRs
and all areas with manufactured housing exception rents in FY 2013 continued to have
exception rents for FY 2014.
VI. Small Area Fair Market Rents

Public housing authorities in the Dallas, TX HMFA, along with the Housing Authority
of the County of Cook (IL), the City of Long Beach (CA) Housing Authority, the
Chattanooga, (TN) Housing Authority, the Town of Mamaroneck (NY) Housing Authority,
and the Laredo, (TX) Housing Authority continue to be the only PHAs managing their
voucher programs using Small Area Fair Marke Rents (SAFMRs). These FMRs are listed in
the Schedule B addendum. The department is working to secure more housing authority
participants in its Small Area FMR Demonstration program. SAFMRs are calculated
using a rent ratio determined by dividing the median gross rent across all bedrooms for
the small area (a ZIP code) by the similar median gross rent for the metropolitan area of
the ZIP code. This rent ratio is multiplied by the current two-bedroom rent for the entire
metropolitan area containing the small area to generate the current year two-bedroom
rent for the small area. In small areas where the median gross rent is not statistically
reliable, HUD substitutes the median gross rent for the county containing the ZIP code in
the numerator of the rent ratio calculation. For FY 2014 SAFMRs, HUD continues to use
the rent ratios developed in conjunction with the calculation of FY 2013 FMRs based on
20062010 5-year ACS data.6
VII. Public Comments
A total of 59 comments were received and posted on the regulations.gov site (http://www.
regulations.gov/ #!docketDetail;D=HUD-2013-0073), which is also linked on the HUD
User FMR page http://www.huduser.org/ portal/datasets/fmr.html). Most comments
For low-population, nonmetropolitan counties with small or statistically insignificant
contested FMR reductions compared with the FY 2013 FMRs and some contested
2006-2010 5-year estimates ACS recent-mover rents, HUD uses state non-metropolitan
reductions in FMRs over several years. A majority of the comments, assisted by a form
data to determine bedroom ratios for each bedroom size. HUD made this adjustment to
letter provided by an advocacy organization, criticized the variability in FMRs from yearprotect against unrealistically high or low FMRs due to insufficient sample sizes.
to-year for smaller metropolitan and nonmetropolitan areas and requested an analysis of
the FY 2006 FMRs compared with the 2006 one-year data.
notice of April 20, 2011 (76 FR 22125) for more information regarding the calculation methodology. Also, HUDs Final FY 2014 FMR
HUD has provided numerous detailed accounts of the calculation methodology used for Small Area Fair Market Rents. Please see our Federal Register
6
documentation system available at (http://www.huduser.org/portal/ datasets/fmr/fmrs/docsys.html&data=fmr14) contains detailed calculations for each ZIP code area in participating jurisdictions.
241
For state-, metro-, and county-level data, visit
WWW.NLIHC.ORG/OOR/2014

National Low Income Housing Out of Reach Report 2014

Uploaded by

National Low Income Housing Out of Reach Report 2014

Uploaded by

E

OUT OF REACH 2014

SHEILA CROWLEY, Ph.D., MSW

ELINA BRAVVE, MCRP

Copyright 2014 by the National Low Income Housing Coalition

Established in 1974 by Cushing N. Dolbeare, the National Low Income

NLIHC BOARD OF DIRECTORS

Christine Allamanno, Saint Petersburg, FL

OUT OF REACH 2014

ABOUT OUT OF REACH..............................................................................2

Where the Numbers Come From...............................................................10

TABLES AND MAPS

2014 Most Expensive Jurisdictions...........................................................12

Appendix A: Data Notes, Methodologies and Sources............................235

Out of Reach community information is the gold standard for

National Low Income Housing Coalition // Out of Reach 2014

ABOUT OUT OF REACH

Cartoon Copyright, 2003, Tribune Media Services. Reprinted with permission.

National Low Income Housing Coalition // Out of Reach 2014

The Housing Wage has become a standard indicator of housing affordability. It

The root cause of the housing problem

National Low Income Housing Coalition // Out of Reach 2014

MEETING DEMAND IN THE U.S. RENTAL HOUSING MARKET

GREATEST HOUSING NEED AMONG EXTREMELY LOW INCOME

National Low Income Housing Coalition // Out of Reach 2014

Earning the U.S. Mean Renter Wage

THE GAP BETWEEN AFFORDABILITY AND REALITY FOR RENTERS

Affordability in this report is consistent with

National Low Income Housing Coalition // Out of Reach 2014

Area Median Income (AMI) is used to determine

WAGES INSUFFICIENT TO MEET RISING RENTS

Raising the Minimum Wage

Who are low-wage and minimum wage workers?

National Low Income Housing Coalition // Out of Reach 2014

State Minimum Wage

AFFORDABILITY IS A NATIONAL CONCERN

Local Minimum Wage

National Low Income Housing Coalition // Out of Reach 2014

THE NUMBERS IN THIS REPORT

STILL OUT OF REACH

Readers are cautioned against comparing statistics in one edition of Out of

National Low Income Housing Coalition // Out of Reach 2014

HUD FY14 estimated median

AREA MEDIAN INCOME (AMI)

Multiply Annual AMI by .3

Multiply 30% of Annual AMI by .3 to get

Monthly Full-time jobs

Calculate annual income by

Divide income needed to afford the

Average wage reported by the

FY14 HOUSING WAGE

Divide number of renter

Multiply Annual AMI by .3 to get maximum

Divide income needed to afford the FMR by

4: "Affordable" rents represent the generally accepted standard of

National Low Income Housing Coalition // Out of Reach 2014

HOW TO USE THE NUMBERS

HOW TO USE THE NUMBERS

For a family earning 100% of AMI,

The annual median family income

There were 40,098,042

AREA MEDIAN INCOME (AMI)

In the United States, an

The FMR for a twobedroom rental unit in the

A renter household needs an annual income of

For a family earning 30% of AMI,

A renter household needs 1.3 full-time jobs

If a household earns the mean

FY14 HOUSING WAGE

The estimated mean

4: "Affordable" rents represent the generally accepted standard of

National Low Income Housing Coalition // Out of Reach 2014

2014 MOST EXPENSIVE JURISDICTIONS

Housing Wage for

TABLES AND MAPS

Housing Wage for