2025 Income Limits

What Is 80% AMI in Harpswell town, Maine?

The Area Median Income in Harpswell town is $109,500 for a family of four, meaning 80% AMI is $87,600 and 50% AMI is $54,750.

HUD 2025 Data Official Income Limits

2025 AMI Breakdown — Harpswell town

AMI Tier	1 Person	2 Person	3 Person	4 Person	5 Person	6 Person	7 Person	8 Person
30% AMI	$23,000	$26,300	$29,600	$32,850	$37,650	$43,150	$48,650	$54,150
50% AMI	$38,350	$43,800	$49,300	$54,750	$59,150	$63,550	$67,900	$72,300
60% AMI	$46,000	$52,550	$59,150	$65,700	$70,950	$76,200	$81,450	$86,700
80% AMI	$61,350	$70,100	$78,850	$87,600	$94,650	$101,650	$108,650	$115,650
100% AMI	$76,650	$87,600	$98,550	$109,500	$118,250	$127,000	$135,800	$144,550
120% AMI	$92,000	$105,100	$118,250	$131,400	$141,900	$152,400	$162,950	$173,450

30%, 50%, and 80% AMI figures are published directly by HUD. The 60%, 100%, and 120% AMI tiers are derived from the median income using HUD's standard household size adjustment factors. This product uses the HUD User Data API but is not endorsed or certified by HUD User.

Program Eligibility at Each AMI Threshold

30% AMI

$32,850

Extremely Low Income

Priority for public housing and project-based Section 8.

4-person household

50% AMI

$54,750

Very Low Income

Eligible for Section 8 Housing Choice Vouchers (HCV).

4-person household

60% AMI

$65,700

LIHTC Threshold

Maximum income for Low-Income Housing Tax Credit units.

4-person household

80% AMI

$87,600

Low Income

Eligible for HOME Investment Partnership grants.

4-person household

80% AMI by Household Size

How the 80% AMI limit scales from a single-person household to an 8-person household in Harpswell town. Find where your household size lands.

How Harpswell town Compares

Local AMI (4-person)

$109,500

Harpswell town

Statewide AMI (4-person)

$98,900

Maine

National Median (2024)

$96,300

National

Harpswell town sits above the national average — the local AMI of $109,500 is higher than the national median of $96,300 and also exceeds the Maine statewide figure of $98,900. Residents earning between 50% and 80% AMI have access to a reasonable range of affordable housing options, though competition for subsidized units may be moderate given the area's income profile.

Rent Affordability in Harpswell town

Using the standard 30% rule — a household should spend no more than 30% of gross income on housing — here's the maximum affordable monthly rent at each AMI tier for a 4-person household.

30% AMI

$821/mo

Based on $32,850 annual income

50% AMI

$1,369/mo

Based on $54,750 annual income

80% AMI

$2,190/mo

Based on $87,600 annual income

The 30% Rule:HUD defines a household as "cost-burdened" when it spends more than 30% of gross income on housing costs (rent plus utilities). Households exceeding 50% are considered "severely cost-burdened." In Harpswell town, a family of four earning exactly at 50% AMI ($54,750) should aim to keep total housing costs below $1,369 per month to avoid cost burden.

Who Uses This Data

Renters

"Am I eligible for affordable housing in Harpswell town?" If your household income falls below the 50% or 80% AMI threshold shown above, you may qualify for Section 8 vouchers, LIHTC apartments, or other subsidized housing programs in the area.

Developers

"Does this market support LIHTC underwriting?" The 60% AMI limit in Harpswell town sets the maximum tenant income for tax credit units. Higher AMI areas generally support stronger rent levels within LIHTC compliance, improving project feasibility.

Caseworkers & Planners

"What programs can my clients access?" Use the AMI breakdown for Harpswell town to quickly determine which federal, state, and local housing programs a household qualifies for based on family size and income level.

What These Numbers Mean For You

In Harpswell town, the 2025 Area Median Income of $109,500 places this area above the national benchmark. Because AMI thresholds are set locally, residents here face higher income limits for program qualification — a household earning $87,600 qualifies as Low Income (80% AMI), while the same income in a lower-cost market would likely exceed the cutoff.

For renters, this creates a dual reality: the income limits are more generous, but market rents are typically higher too. A family at exactly 50% AMI ($54,750) can afford roughly $1,369/month under the 30% rule — whether that covers available units in Harpswell town depends on local rental market conditions.

For buyers and developers, the higher AMI supports stronger underwriting. LIHTC projects in Harpswell town can set maximum rents based on the 60% AMI threshold ($65,700 for a 4-person household), which in a higher-AMI market translates to more financially viable affordable housing developments.

Frequently Asked Questions

What is the Area Median Income in Harpswell town, Maine?

The 2025 Area Median Income in Harpswell town is $109,500 for a family of four, as determined by HUD.

What is 80% AMI in Harpswell town?

80% AMI in Harpswell town is $87,600 for a 4-person household. This is the income limit for HUD's Low Income category and HOME program eligibility.

What income qualifies for Section 8 in Harpswell town?

Section 8 Housing Choice Vouchers typically require income at or below 50% AMI. In Harpswell town, the 50% AMI limit is $54,750 for a 4-person household.

How much rent can I afford at 80% AMI in Harpswell town?

At 80% AMI in Harpswell town ($87,600 for a 4-person household), the affordable monthly rent ceiling is approximately $2,190, based on the standard 30% of gross income guideline.

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