Harding County, NM · FY2026 area median income $95,500 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $298 | $447 | $596 | $745 | $894 | $1,043 | $1,192 |
| 1BR | $319 | $479 | $639 | $798 | $958 | $1,118 | $1,278 |
| 2BR | $383 | $574 | $766 | $957 | $1,149 | $1,340 | $1,532 |
| 3BR | $443 | $664 | $886 | $1,107 | $1,329 | $1,550 | $1,772 |
| 4BR | $494 | $741 | $988 | $1,235 | $1,482 | $1,729 | $1,976 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $17,880 | $29,800 | $35,760 | $47,680 |
| 2 persons | $20,460 | $34,100 | $40,920 | $54,560 |
| 3 persons | $22,980 | $38,300 | $45,960 | $61,280 |
| 4 persons | $25,560 | $42,600 | $51,120 | $68,160 |
| 5 persons | $27,600 | $46,000 | $55,200 | $73,600 |
| 6 persons | $29,640 | $49,400 | $59,280 | $79,040 |
| 7 persons | $31,710 | $52,850 | $63,420 | $84,560 |
| 8 persons | $33,750 | $56,250 | $67,500 | $90,000 |
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 Harding County to see the sources and uses, bond test, DSCR, and funding gap using these rents.