Lakeland-Winter Haven, FL MSA · FY2026 area median income $83,900 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $306 | $459 | $612 | $765 | $918 | $1,071 | $1,224 |
| 1BR | $327 | $491 | $655 | $819 | $983 | $1,147 | $1,311 |
| 2BR | $393 | $589 | $786 | $982 | $1,179 | $1,375 | $1,572 |
| 3BR | $454 | $681 | $908 | $1,135 | $1,362 | $1,589 | $1,816 |
| 4BR | $506 | $759 | $1,013 | $1,266 | $1,519 | $1,772 | $2,026 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $18,360 | $30,600 | $36,720 | $48,960 |
| 2 persons | $20,970 | $34,950 | $41,940 | $55,920 |
| 3 persons | $23,580 | $39,300 | $47,160 | $62,880 |
| 4 persons | $26,190 | $43,650 | $52,380 | $69,840 |
| 5 persons | $28,290 | $47,150 | $56,580 | $75,440 |
| 6 persons | $30,390 | $50,650 | $60,780 | $81,040 |
| 7 persons | $32,490 | $54,150 | $64,980 | $86,640 |
| 8 persons | $34,590 | $57,650 | $69,180 | $92,240 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in Polk County to see the sources and uses, bond test, DSCR, and funding gap using these rents.