FY2026 Income Limits
HUD’s income limits for the Indian Housing Block Grant program, issued June 11, 2026. THI uses the low-income limit for your household’s size to decide whether a family is low-income; its policy allows exceptions for a family with a documented housing need (Section V.D).
Limits for 1 to 8 people
| Household | Low-income limit | Median income |
|---|---|---|
| 1 person | $59,850 | $74,760 |
| 2 people | $68,400 | $85,440 |
| 3 people | $76,950 | $96,120 |
| 4 people | $85,450 | $106,800 |
| 5 people | $92,300 | $115,344 |
| 6 people | $99,150 | $123,888 |
| 7 people | $106,000 | $132,432 |
| 8 people | $112,800 | $140,976 |
Households of 9 or more
HUD starts from a 4-person base of $85,440, as page 3 of its notice shows, and multiplies it by a factor for each larger household: 140% for 9 people, and 8% more for each person after that.
| Household | Factor | Low-income limit |
|---|---|---|
| 9 people | 140% | $119,616 |
| 10 people | 148% | $126,451 |
| 11 people | 156% | $133,286 |
| 12 people | 164% | $140,122 |
| 13 people | 172% | $146,957 |
| 14 people | 180% | $153,792 |
| 15 people | 188% | $160,627 |
| 16 people | 196% | $167,462 |
How THI counts your income
THI uses HUD’s definition of annual income: the total income your household expects from all sources over the next twelve months, with some kinds of income left out (Section II of THI’s policy). THI works out your annual income from the documents you bring with your application.
If your income is over the limit
THI may still admit a family whose income is over the limit when the family has a housing need it cannot reasonably meet without THI’s help. THI documents that decision, and HUD must approve it first when the family’s income is over the median income.
The HUD income limits will apply to determine income eligibility for the Homeownership Program.