{"fipsCode": "01001", "countyName": "Autauga", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 82500, "amiChangeYoY": 1100, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01003", "countyName": "Baldwin", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 89100, "amiChangeYoY": 3900, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01005", "countyName": "Barbour", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01007", "countyName": "Bibb", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01009", "countyName": "Blount", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01011", "countyName": "Bullock", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01013", "countyName": "Butler", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01015", "countyName": "Calhoun", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 74000, "incomeThresholds": {"veryLow50pct": 37000, "low80pct": 59200, "hpBorrowerEligibility": 59200}, "ami2024": 73600, "amiChangeYoY": 400, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01017", "countyName": "Chambers", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01019", "countyName": "Cherokee", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 67300, "amiChangeYoY": 5300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01021", "countyName": "Chilton", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01023", "countyName": "Choctaw", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 68300, "amiChangeYoY": 4300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01025", "countyName": "Clarke", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 78400, "incomeThresholds": {"veryLow50pct": 39200, "low80pct": 62720, "hpBorrowerEligibility": 62720}, "ami2024": 68700, "amiChangeYoY": 9700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01027", "countyName": "Clay", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01029", "countyName": "Cleburne", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76300, "amiChangeYoY": 6600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01031", "countyName": "Coffee", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 86400, "incomeThresholds": {"veryLow50pct": 43200, "low80pct": 69120, "hpBorrowerEligibility": 69120}, "ami2024": 80900, "amiChangeYoY": 5500, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01033", "countyName": "Colbert", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 78300, "amiChangeYoY": 4100, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01035", "countyName": "Conecuh", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01037", "countyName": "Coosa", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 73900, "incomeThresholds": {"veryLow50pct": 36950, "low80pct": 59120, "hpBorrowerEligibility": 59120}, "ami2024": 68500, "amiChangeYoY": 5400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01039", "countyName": "Covington", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 70300, "amiChangeYoY": 2300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01041", "countyName": "Crenshaw", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 73900, "amiChangeYoY": -1300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01043", "countyName": "Cullman", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 83500, "incomeThresholds": {"veryLow50pct": 41750, "low80pct": 66800, "hpBorrowerEligibility": 66800}, "ami2024": 80100, "amiChangeYoY": 3400, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01045", "countyName": "Dale", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 75400, "incomeThresholds": {"veryLow50pct": 37700, "low80pct": 60320, "hpBorrowerEligibility": 60320}, "ami2024": 72000, "amiChangeYoY": 3400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01047", "countyName": "Dallas", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01049", "countyName": "Dekalb", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01051", "countyName": "Elmore", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 82500, "amiChangeYoY": 1100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01053", "countyName": "Escambia", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01055", "countyName": "Etowah", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 70600, "incomeThresholds": {"veryLow50pct": 35300, "low80pct": 56480, "hpBorrowerEligibility": 56480}, "ami2024": 72800, "amiChangeYoY": -2200, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01057", "countyName": "Fayette", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 66200, "amiChangeYoY": 11500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01059", "countyName": "Franklin", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01061", "countyName": "Geneva", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 77200, "amiChangeYoY": 500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01063", "countyName": "Greene", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 88900, "incomeThresholds": {"veryLow50pct": 44450, "low80pct": 71120, "hpBorrowerEligibility": 71120}, "ami2024": 85300, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01065", "countyName": "Hale", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 88900, "incomeThresholds": {"veryLow50pct": 44450, "low80pct": 71120, "hpBorrowerEligibility": 71120}, "ami2024": 85300, "amiChangeYoY": 3600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01067", "countyName": "Henry", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 77200, "amiChangeYoY": 500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01069", "countyName": "Houston", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 77200, "amiChangeYoY": 500, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01071", "countyName": "Jackson", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01073", "countyName": "Jefferson", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 189, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01075", "countyName": "Lamar", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 67400, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01077", "countyName": "Lauderdale", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 78300, "amiChangeYoY": 4100, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01079", "countyName": "Lawrence", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 82500, "amiChangeYoY": 12700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01081", "countyName": "Lee", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 92900, "incomeThresholds": {"veryLow50pct": 46450, "low80pct": 74320, "hpBorrowerEligibility": 74320}, "ami2024": 95800, "amiChangeYoY": -2900, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01083", "countyName": "Limestone", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 115500, "incomeThresholds": {"veryLow50pct": 57750, "low80pct": 92400, "hpBorrowerEligibility": 92400}, "ami2024": 113600, "amiChangeYoY": 1900, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01085", "countyName": "Lowndes", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 82500, "amiChangeYoY": 1100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01087", "countyName": "Macon", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 92900, "incomeThresholds": {"veryLow50pct": 46450, "low80pct": 74320, "hpBorrowerEligibility": 74320}, "ami2024": 55900, "amiChangeYoY": 37000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01089", "countyName": "Madison", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 115500, "incomeThresholds": {"veryLow50pct": 57750, "low80pct": 92400, "hpBorrowerEligibility": 92400}, "ami2024": 113600, "amiChangeYoY": 1900, "totalCensusTracts": 95, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01091", "countyName": "Marengo", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 78600, "incomeThresholds": {"veryLow50pct": 39300, "low80pct": 62880, "hpBorrowerEligibility": 62880}, "ami2024": 71200, "amiChangeYoY": 7400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01093", "countyName": "Marion", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 67200, "amiChangeYoY": 5400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01095", "countyName": "Marshall", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 68200, "amiChangeYoY": 16900, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01097", "countyName": "Mobile", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 81500, "incomeThresholds": {"veryLow50pct": 40750, "low80pct": 65200, "hpBorrowerEligibility": 65200}, "ami2024": 78800, "amiChangeYoY": 2700, "totalCensusTracts": 135, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01099", "countyName": "Monroe", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01101", "countyName": "Montgomery", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 82500, "amiChangeYoY": 1100, "totalCensusTracts": 71, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01103", "countyName": "Morgan", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 82500, "amiChangeYoY": 12700, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01105", "countyName": "Perry", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01107", "countyName": "Pickens", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 88900, "incomeThresholds": {"veryLow50pct": 44450, "low80pct": 71120, "hpBorrowerEligibility": 71120}, "ami2024": 85300, "amiChangeYoY": 3600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01109", "countyName": "Pike", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 72800, "amiChangeYoY": 4900, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01111", "countyName": "Randolph", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 73500, "incomeThresholds": {"veryLow50pct": 36750, "low80pct": 58800, "hpBorrowerEligibility": 58800}, "ami2024": 66200, "amiChangeYoY": 7300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01113", "countyName": "Russell", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01117", "countyName": "Shelby", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01115", "countyName": "St. Clair", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 94200, "amiChangeYoY": 200, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01119", "countyName": "Sumter", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01121", "countyName": "Talladega", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 73600, "incomeThresholds": {"veryLow50pct": 36800, "low80pct": 58880, "hpBorrowerEligibility": 58880}, "ami2024": 67200, "amiChangeYoY": 6400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01123", "countyName": "Tallapoosa", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 76100, "incomeThresholds": {"veryLow50pct": 38050, "low80pct": 60880, "hpBorrowerEligibility": 60880}, "ami2024": 67300, "amiChangeYoY": 8800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01125", "countyName": "Tuscaloosa", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 88900, "incomeThresholds": {"veryLow50pct": 44450, "low80pct": 71120, "hpBorrowerEligibility": 71120}, "ami2024": 85300, "amiChangeYoY": 3600, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01127", "countyName": "Walker", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 73100, "amiChangeYoY": 21300, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01129", "countyName": "Washington", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 78800, "amiChangeYoY": 12900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01131", "countyName": "Wilcox", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "01133", "countyName": "Winston", "state": "AL", "stateName": "Alabama", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 66100, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02013", "countyName": "Aleutians East\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02016", "countyName": "Aleutians West\nCensus Are", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 136700, "incomeThresholds": {"veryLow50pct": 68350, "low80pct": 109360, "hpBorrowerEligibility": 109360}, "ami2024": 118500, "amiChangeYoY": 18200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02020", "countyName": "Anchorage\nMunicipality", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 126000, "incomeThresholds": {"veryLow50pct": 63000, "low80pct": 100800, "hpBorrowerEligibility": 100800}, "ami2024": 117200, "amiChangeYoY": 8800, "totalCensusTracts": 61, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02050", "countyName": "Bethel Census Area", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02060", "countyName": "Bristol Bay Borough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 117200, "incomeThresholds": {"veryLow50pct": 58600, "low80pct": 93760, "hpBorrowerEligibility": 93760}, "ami2024": 108900, "amiChangeYoY": 8300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02063", "countyName": "Chugach Census\nArea", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 114300, "incomeThresholds": {"veryLow50pct": 57150, "low80pct": 91440, "hpBorrowerEligibility": 91440}, "ami2024": 102200, "amiChangeYoY": 12100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02066", "countyName": "Copper River\nCensus Area", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 101300, "amiChangeYoY": 5300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02068", "countyName": "Denali Borough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 147000, "incomeThresholds": {"veryLow50pct": 73500, "low80pct": 117600, "hpBorrowerEligibility": 117600}, "ami2024": 139000, "amiChangeYoY": 8000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02070", "countyName": "Dillingham Census\nArea", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02090", "countyName": "Fairbanks North Star\nBoro", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 114900, "incomeThresholds": {"veryLow50pct": 57450, "low80pct": 91920, "hpBorrowerEligibility": 91920}, "ami2024": 110000, "amiChangeYoY": 4900, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02100", "countyName": "Haines Borough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 110300, "incomeThresholds": {"veryLow50pct": 55150, "low80pct": 88240, "hpBorrowerEligibility": 88240}, "ami2024": 103400, "amiChangeYoY": 6900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02105", "countyName": "Hoonah-Angoon", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02110", "countyName": "Juneau City And\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 128700, "incomeThresholds": {"veryLow50pct": 64350, "low80pct": 102960, "hpBorrowerEligibility": 102960}, "ami2024": 120800, "amiChangeYoY": 7900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02122", "countyName": "Kenai Peninsula\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 111600, "incomeThresholds": {"veryLow50pct": 55800, "low80pct": 89280, "hpBorrowerEligibility": 89280}, "ami2024": 107400, "amiChangeYoY": 4200, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02130", "countyName": "Ketchikan Gateway\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 119300, "incomeThresholds": {"veryLow50pct": 59650, "low80pct": 95440, "hpBorrowerEligibility": 95440}, "ami2024": 112000, "amiChangeYoY": 7300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02150", "countyName": "Kodiak Island\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 110700, "amiChangeYoY": 2400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02158", "countyName": "Kusilvak", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02164", "countyName": "Lake And Peninsula\nBoroug", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02170", "countyName": "Matanuska-Susitna\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 126000, "incomeThresholds": {"veryLow50pct": 63000, "low80pct": 100800, "hpBorrowerEligibility": 100800}, "ami2024": 117200, "amiChangeYoY": 8800, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02180", "countyName": "Nome Census Area", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02185", "countyName": "North Slope\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 102200, "incomeThresholds": {"veryLow50pct": 51100, "low80pct": 81760, "hpBorrowerEligibility": 81760}, "ami2024": 101300, "amiChangeYoY": 900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02188", "countyName": "Northwest Arctic\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02195", "countyName": "Petersburg", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 101300, "amiChangeYoY": 1100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02198", "countyName": "Prince Of\nWales-Hyder", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02220", "countyName": "Sitka City And\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 122000, "incomeThresholds": {"veryLow50pct": 61000, "low80pct": 97600, "hpBorrowerEligibility": 97600}, "ami2024": 114600, "amiChangeYoY": 7400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02230", "countyName": "Skagway", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 125100, "incomeThresholds": {"veryLow50pct": 62550, "low80pct": 100080, "hpBorrowerEligibility": 100080}, "ami2024": 117700, "amiChangeYoY": 7400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02240", "countyName": "Southeast Fairbanks\nCensu", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96300, "incomeThresholds": {"veryLow50pct": 48150, "low80pct": 77040, "hpBorrowerEligibility": 77040}, "ami2024": 101300, "amiChangeYoY": -5000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02275", "countyName": "Wrangell", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02282", "countyName": "Yakutat City And\nBorough", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 109800, "incomeThresholds": {"veryLow50pct": 54900, "low80pct": 87840, "hpBorrowerEligibility": 87840}, "ami2024": 101300, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "02290", "countyName": "Yukon-Koyukuk\nCensus Area", "state": "AK", "stateName": "Alaska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 101300, "amiChangeYoY": -5100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "60010", "countyName": "Eastern\nDistrict", "state": "AS", "stateName": "American Samoa", "isHighCost": false, "ami2025": 37900, "incomeThresholds": {"veryLow50pct": 18950, "low80pct": 30320, "hpBorrowerEligibility": 30320}, "ami2024": 35600, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "60020", "countyName": "Manu'a\nDistrict", "state": "AS", "stateName": "American Samoa", "isHighCost": false, "ami2025": 37900, "incomeThresholds": {"veryLow50pct": 18950, "low80pct": 30320, "hpBorrowerEligibility": 30320}, "ami2024": 35600, "amiChangeYoY": 2300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "60030", "countyName": "Rose\nIsland", "state": "AS", "stateName": "American Samoa", "isHighCost": false, "ami2025": 37900, "incomeThresholds": {"veryLow50pct": 18950, "low80pct": 30320, "hpBorrowerEligibility": 30320}, "ami2024": 35600, "amiChangeYoY": 2300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "60040", "countyName": "Swains\nIsland", "state": "AS", "stateName": "American Samoa", "isHighCost": false, "ami2025": 37900, "incomeThresholds": {"veryLow50pct": 18950, "low80pct": 30320, "hpBorrowerEligibility": 30320}, "ami2024": 35600, "amiChangeYoY": 2300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "60050", "countyName": "Western\nDistrict", "state": "AS", "stateName": "American Samoa", "isHighCost": false, "ami2025": 37900, "incomeThresholds": {"veryLow50pct": 18950, "low80pct": 30320, "hpBorrowerEligibility": 30320}, "ami2024": 35600, "amiChangeYoY": 2300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04001", "countyName": "Apache", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 70000, "incomeThresholds": {"veryLow50pct": 35000, "low80pct": 56000, "hpBorrowerEligibility": 56000}, "ami2024": 66100, "amiChangeYoY": 3900, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04003", "countyName": "Cochise", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 71200, "incomeThresholds": {"veryLow50pct": 35600, "low80pct": 56960, "hpBorrowerEligibility": 56960}, "ami2024": 70700, "amiChangeYoY": 500, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04005", "countyName": "Coconino", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 101900, "incomeThresholds": {"veryLow50pct": 50950, "low80pct": 81520, "hpBorrowerEligibility": 81520}, "ami2024": 85900, "amiChangeYoY": 16000, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04007", "countyName": "Gila", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 76100, "incomeThresholds": {"veryLow50pct": 38050, "low80pct": 60880, "hpBorrowerEligibility": 60880}, "ami2024": 68800, "amiChangeYoY": 7300, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04009", "countyName": "Graham", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 81100, "incomeThresholds": {"veryLow50pct": 40550, "low80pct": 64880, "hpBorrowerEligibility": 64880}, "ami2024": 75400, "amiChangeYoY": 5700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04011", "countyName": "Greenlee", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 88400, "incomeThresholds": {"veryLow50pct": 44200, "low80pct": 70720, "hpBorrowerEligibility": 70720}, "ami2024": 83000, "amiChangeYoY": 5400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04012", "countyName": "La Paz", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 70000, "incomeThresholds": {"veryLow50pct": 35000, "low80pct": 56000, "hpBorrowerEligibility": 56000}, "ami2024": 66100, "amiChangeYoY": 3900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04013", "countyName": "Maricopa", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 109600, "incomeThresholds": {"veryLow50pct": 54800, "low80pct": 87680, "hpBorrowerEligibility": 87680}, "ami2024": 101300, "amiChangeYoY": 8300, "totalCensusTracts": 1009, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04015", "countyName": "Mohave", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 73800, "incomeThresholds": {"veryLow50pct": 36900, "low80pct": 59040, "hpBorrowerEligibility": 59040}, "ami2024": 68200, "amiChangeYoY": 5600, "totalCensusTracts": 66, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04017", "countyName": "Navajo", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 70000, "incomeThresholds": {"veryLow50pct": 35000, "low80pct": 56000, "hpBorrowerEligibility": 56000}, "ami2024": 66100, "amiChangeYoY": 3900, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04019", "countyName": "Pima", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 90200, "amiChangeYoY": 5900, "totalCensusTracts": 270, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04021", "countyName": "Pinal", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 109600, "incomeThresholds": {"veryLow50pct": 54800, "low80pct": 87680, "hpBorrowerEligibility": 87680}, "ami2024": 101300, "amiChangeYoY": 8300, "totalCensusTracts": 95, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04023", "countyName": "Santa\nCruz", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 70000, "incomeThresholds": {"veryLow50pct": 35000, "low80pct": 56000, "hpBorrowerEligibility": 56000}, "ami2024": 66100, "amiChangeYoY": 3900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04025", "countyName": "Yavapai", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85300, "amiChangeYoY": 2000, "totalCensusTracts": 72, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "04027", "countyName": "Yuma", "state": "AZ", "stateName": "Arizona", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 63900, "amiChangeYoY": 12300, "totalCensusTracts": 67, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05001", "countyName": "Arkansas", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 78300, "incomeThresholds": {"veryLow50pct": 39150, "low80pct": 62640, "hpBorrowerEligibility": 62640}, "ami2024": 76300, "amiChangeYoY": 2000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05003", "countyName": "Ashley", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05005", "countyName": "Baxter", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05007", "countyName": "Benton", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 101800, "incomeThresholds": {"veryLow50pct": 50900, "low80pct": 81440, "hpBorrowerEligibility": 81440}, "ami2024": 94400, "amiChangeYoY": 7400, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05009", "countyName": "Boone", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 75000, "incomeThresholds": {"veryLow50pct": 37500, "low80pct": 60000, "hpBorrowerEligibility": 60000}, "ami2024": 70700, "amiChangeYoY": 4300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05011", "countyName": "Bradley", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67900, "incomeThresholds": {"veryLow50pct": 33950, "low80pct": 54320, "hpBorrowerEligibility": 54320}, "ami2024": 65200, "amiChangeYoY": 2700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05013", "countyName": "Calhoun", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 78800, "incomeThresholds": {"veryLow50pct": 39400, "low80pct": 63040, "hpBorrowerEligibility": 63040}, "ami2024": 69900, "amiChangeYoY": 8900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05015", "countyName": "Carroll", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 73300, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05017", "countyName": "Chicot", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05019", "countyName": "Clark", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 73000, "incomeThresholds": {"veryLow50pct": 36500, "low80pct": 58400, "hpBorrowerEligibility": 58400}, "ami2024": 70700, "amiChangeYoY": 2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05021", "countyName": "Clay", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05023", "countyName": "Cleburne", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 68000, "amiChangeYoY": 6200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05025", "countyName": "Cleveland", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 65200, "amiChangeYoY": 10000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05027", "countyName": "Columbia", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 65200, "amiChangeYoY": 4100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05029", "countyName": "Conway", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65700, "amiChangeYoY": 1400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05031", "countyName": "Craighead", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 82700, "amiChangeYoY": -5400, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05033", "countyName": "Crawford", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 66700, "amiChangeYoY": 13900, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05035", "countyName": "Crittenden", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05037", "countyName": "Cross", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05039", "countyName": "Dallas", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 76300, "incomeThresholds": {"veryLow50pct": 38150, "low80pct": 61040, "hpBorrowerEligibility": 61040}, "ami2024": 76400, "amiChangeYoY": -100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05041", "countyName": "Desha", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05043", "countyName": "Drew", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 67100, "amiChangeYoY": 0, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05045", "countyName": "Faulkner", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05047", "countyName": "Franklin", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 68500, "incomeThresholds": {"veryLow50pct": 34250, "low80pct": 54800, "hpBorrowerEligibility": 54800}, "ami2024": 66700, "amiChangeYoY": 1800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05049", "countyName": "Fulton", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05051", "countyName": "Garland", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 73100, "incomeThresholds": {"veryLow50pct": 36550, "low80pct": 58480, "hpBorrowerEligibility": 58480}, "ami2024": 70900, "amiChangeYoY": 2200, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05053", "countyName": "Grant", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05055", "countyName": "Greene", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 72200, "incomeThresholds": {"veryLow50pct": 36100, "low80pct": 57760, "hpBorrowerEligibility": 57760}, "ami2024": 67700, "amiChangeYoY": 4500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05057", "countyName": "Hempstead", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 70100, "incomeThresholds": {"veryLow50pct": 35050, "low80pct": 56080, "hpBorrowerEligibility": 56080}, "ami2024": 65200, "amiChangeYoY": 4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05059", "countyName": "Hot Spring", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 70100, "incomeThresholds": {"veryLow50pct": 35050, "low80pct": 56080, "hpBorrowerEligibility": 56080}, "ami2024": 67400, "amiChangeYoY": 2700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05061", "countyName": "Howard", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05063", "countyName": "Independence", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 71100, "incomeThresholds": {"veryLow50pct": 35550, "low80pct": 56880, "hpBorrowerEligibility": 56880}, "ami2024": 66500, "amiChangeYoY": 4600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05065", "countyName": "Izard", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05067", "countyName": "Jackson", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05069", "countyName": "Jefferson", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05071", "countyName": "Johnson", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05073", "countyName": "Lafayette", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05075", "countyName": "Lawrence", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05077", "countyName": "Lee", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05079", "countyName": "Lincoln", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05081", "countyName": "Little River", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 71100, "incomeThresholds": {"veryLow50pct": 35550, "low80pct": 56880, "hpBorrowerEligibility": 56880}, "ami2024": 67800, "amiChangeYoY": 3300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05083", "countyName": "Logan", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 76000, "incomeThresholds": {"veryLow50pct": 38000, "low80pct": 60800, "hpBorrowerEligibility": 60800}, "ami2024": 68900, "amiChangeYoY": 7100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05085", "countyName": "Lonoke", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05087", "countyName": "Madison", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 101800, "incomeThresholds": {"veryLow50pct": 50900, "low80pct": 81440, "hpBorrowerEligibility": 81440}, "ami2024": 94400, "amiChangeYoY": 7400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05089", "countyName": "Marion", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05091", "countyName": "Miller", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 71100, "incomeThresholds": {"veryLow50pct": 35550, "low80pct": 56880, "hpBorrowerEligibility": 56880}, "ami2024": 67800, "amiChangeYoY": 3300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05093", "countyName": "Mississippi", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67900, "incomeThresholds": {"veryLow50pct": 33950, "low80pct": 54320, "hpBorrowerEligibility": 54320}, "ami2024": 66600, "amiChangeYoY": 1300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05095", "countyName": "Monroe", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 71800, "amiChangeYoY": 2400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05097", "countyName": "Montgomery", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05099", "countyName": "Nevada", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05101", "countyName": "Newton", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 70700, "incomeThresholds": {"veryLow50pct": 35350, "low80pct": 56560, "hpBorrowerEligibility": 56560}, "ami2024": 70100, "amiChangeYoY": 600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05103", "countyName": "Ouachita", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 66100, "amiChangeYoY": 3000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05105", "countyName": "Perry", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05107", "countyName": "Phillips", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05109", "countyName": "Pike", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 73000, "incomeThresholds": {"veryLow50pct": 36500, "low80pct": 58400, "hpBorrowerEligibility": 58400}, "ami2024": 69100, "amiChangeYoY": 3900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05111", "countyName": "Poinsett", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 82700, "amiChangeYoY": -5400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05113", "countyName": "Polk", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05115", "countyName": "Pope", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 76000, "incomeThresholds": {"veryLow50pct": 38000, "low80pct": 60800, "hpBorrowerEligibility": 60800}, "ami2024": 68100, "amiChangeYoY": 7900, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05117", "countyName": "Prairie", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 87400, "incomeThresholds": {"veryLow50pct": 43700, "low80pct": 69920, "hpBorrowerEligibility": 69920}, "ami2024": 81700, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05119", "countyName": "Pulaski", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 107, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05121", "countyName": "Randolph", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 70100, "incomeThresholds": {"veryLow50pct": 35050, "low80pct": 56080, "hpBorrowerEligibility": 56080}, "ami2024": 65200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05125", "countyName": "Saline", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 86400, "amiChangeYoY": 6200, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05127", "countyName": "Scott", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05129", "countyName": "Searcy", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05131", "countyName": "Sebastian", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 66700, "amiChangeYoY": 13900, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05133", "countyName": "Sevier", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05135", "countyName": "Sharp", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05123", "countyName": "St. Francis", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05137", "countyName": "Stone", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05139", "countyName": "Union", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 72300, "incomeThresholds": {"veryLow50pct": 36150, "low80pct": 57840, "hpBorrowerEligibility": 57840}, "ami2024": 68500, "amiChangeYoY": 3800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05141", "countyName": "Van Buren", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 67100, "incomeThresholds": {"veryLow50pct": 33550, "low80pct": 53680, "hpBorrowerEligibility": 53680}, "ami2024": 65200, "amiChangeYoY": 1900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05143", "countyName": "Washington", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 101800, "incomeThresholds": {"veryLow50pct": 50900, "low80pct": 81440, "hpBorrowerEligibility": 81440}, "ami2024": 94400, "amiChangeYoY": 7400, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05145", "countyName": "White", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 72900, "amiChangeYoY": 3700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05147", "countyName": "Woodruff", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 68500, "incomeThresholds": {"veryLow50pct": 34250, "low80pct": 54800, "hpBorrowerEligibility": 54800}, "ami2024": 67800, "amiChangeYoY": 700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "05149", "countyName": "Yell", "state": "AR", "stateName": "Arkansas", "isHighCost": false, "ami2025": 76100, "incomeThresholds": {"veryLow50pct": 38050, "low80pct": 60880, "hpBorrowerEligibility": 60880}, "ami2024": 68500, "amiChangeYoY": 7600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06001", "countyName": "Alameda", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 168100, "incomeThresholds": {"veryLow50pct": 84050, "low80pct": 134480, "hpBorrowerEligibility": 134480}, "ami2024": 166600, "amiChangeYoY": 1500, "totalCensusTracts": 379, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06003", "countyName": "Alpine", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 129500, "incomeThresholds": {"veryLow50pct": 64750, "low80pct": 103600, "hpBorrowerEligibility": 103600}, "ami2024": 119300, "amiChangeYoY": 10200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06005", "countyName": "Amador", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 109900, "incomeThresholds": {"veryLow50pct": 54950, "low80pct": 87920, "hpBorrowerEligibility": 87920}, "ami2024": 101900, "amiChangeYoY": 8000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06007", "countyName": "Butte", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 96600, "amiChangeYoY": -5900, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06009", "countyName": "Calaveras", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 101500, "incomeThresholds": {"veryLow50pct": 50750, "low80pct": 81200, "hpBorrowerEligibility": 81200}, "ami2024": 94600, "amiChangeYoY": 6900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06011", "countyName": "Colusa", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 96400, "incomeThresholds": {"veryLow50pct": 48200, "low80pct": 77120, "hpBorrowerEligibility": 77120}, "ami2024": 87900, "amiChangeYoY": 8500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06013", "countyName": "Contra\nCosta", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 168100, "incomeThresholds": {"veryLow50pct": 84050, "low80pct": 134480, "hpBorrowerEligibility": 134480}, "ami2024": 166600, "amiChangeYoY": 1500, "totalCensusTracts": 242, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06015", "countyName": "Del Norte", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06017", "countyName": "El Dorado", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 113700, "amiChangeYoY": 7800, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06019", "countyName": "Fresno", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 84300, "amiChangeYoY": 3200, "totalCensusTracts": 225, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06021", "countyName": "Glenn", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06023", "countyName": "Humboldt", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 88300, "amiChangeYoY": 5600, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06025", "countyName": "Imperial", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 73100, "incomeThresholds": {"veryLow50pct": 36550, "low80pct": 58480, "hpBorrowerEligibility": 58480}, "ami2024": 65300, "amiChangeYoY": 7800, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06027", "countyName": "Inyo", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 97200, "incomeThresholds": {"veryLow50pct": 48600, "low80pct": 77760, "hpBorrowerEligibility": 77760}, "ami2024": 87900, "amiChangeYoY": 9300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06029", "countyName": "Kern", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 78600, "amiChangeYoY": 3100, "totalCensusTracts": 236, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06031", "countyName": "Kings", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 84300, "incomeThresholds": {"veryLow50pct": 42150, "low80pct": 67440, "hpBorrowerEligibility": 67440}, "ami2024": 75900, "amiChangeYoY": 8400, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06033", "countyName": "Lake", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06035", "countyName": "Lassen", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06037", "countyName": "Los Angeles", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 105700, "amiChangeYoY": 7800, "totalCensusTracts": 2498, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06039", "countyName": "Madera", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 87800, "amiChangeYoY": -300, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06041", "countyName": "Marin", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 168100, "incomeThresholds": {"veryLow50pct": 84050, "low80pct": 134480, "hpBorrowerEligibility": 134480}, "ami2024": 166600, "amiChangeYoY": 1500, "totalCensusTracts": 63, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06043", "countyName": "Mariposa", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06045", "countyName": "Mendocino", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 90400, "amiChangeYoY": 3500, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06047", "countyName": "Merced", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 78500, "amiChangeYoY": 5500, "totalCensusTracts": 63, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06049", "countyName": "Modoc", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06051", "countyName": "Mono", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 118500, "incomeThresholds": {"veryLow50pct": 59250, "low80pct": 94800, "hpBorrowerEligibility": 94800}, "ami2024": 105900, "amiChangeYoY": 12600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06053", "countyName": "Monterey", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 104500, "incomeThresholds": {"veryLow50pct": 52250, "low80pct": 83600, "hpBorrowerEligibility": 83600}, "ami2024": 103200, "amiChangeYoY": 1300, "totalCensusTracts": 104, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06055", "countyName": "Napa", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 146700, "incomeThresholds": {"veryLow50pct": 73350, "low80pct": 117360, "hpBorrowerEligibility": 117360}, "ami2024": 121100, "amiChangeYoY": 25600, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06057", "countyName": "Nevada", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 124600, "incomeThresholds": {"veryLow50pct": 62300, "low80pct": 99680, "hpBorrowerEligibility": 99680}, "ami2024": 104200, "amiChangeYoY": 20400, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06059", "countyName": "Orange", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 105700, "amiChangeYoY": 7800, "totalCensusTracts": 614, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06061", "countyName": "Placer", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 113700, "amiChangeYoY": 7800, "totalCensusTracts": 92, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06063", "countyName": "Plumas", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 92400, "amiChangeYoY": 2900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06065", "countyName": "Riverside", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 97500, "amiChangeYoY": 6400, "totalCensusTracts": 518, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06067", "countyName": "Sacramento", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 113700, "amiChangeYoY": 7800, "totalCensusTracts": 363, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06069", "countyName": "San Benito", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 192300, "incomeThresholds": {"veryLow50pct": 96150, "low80pct": 153840, "hpBorrowerEligibility": 153840}, "ami2024": 180400, "amiChangeYoY": 11900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06071", "countyName": "San\nBernardino", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 97500, "amiChangeYoY": 6400, "totalCensusTracts": 466, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06073", "countyName": "San Diego", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 130800, "incomeThresholds": {"veryLow50pct": 65400, "low80pct": 104640, "hpBorrowerEligibility": 104640}, "ami2024": 119500, "amiChangeYoY": 11300, "totalCensusTracts": 737, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06075", "countyName": "San\nFrancisco", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 168100, "incomeThresholds": {"veryLow50pct": 84050, "low80pct": 134480, "hpBorrowerEligibility": 134480}, "ami2024": 166600, "amiChangeYoY": 1500, "totalCensusTracts": 244, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06077", "countyName": "San Joaquin", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 104600, "incomeThresholds": {"veryLow50pct": 52300, "low80pct": 83680, "hpBorrowerEligibility": 83680}, "ami2024": 103800, "amiChangeYoY": 800, "totalCensusTracts": 174, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06079", "countyName": "San Luis\nObispo", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 120900, "incomeThresholds": {"veryLow50pct": 60450, "low80pct": 96720, "hpBorrowerEligibility": 96720}, "ami2024": 125600, "amiChangeYoY": -4700, "totalCensusTracts": 70, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06081", "countyName": "San Mateo", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 168100, "incomeThresholds": {"veryLow50pct": 84050, "low80pct": 134480, "hpBorrowerEligibility": 134480}, "ami2024": 166600, "amiChangeYoY": 1500, "totalCensusTracts": 174, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06083", "countyName": "Santa\nBarbara", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 119100, "amiChangeYoY": -5800, "totalCensusTracts": 109, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06085", "countyName": "Santa Clara", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 192300, "incomeThresholds": {"veryLow50pct": 96150, "low80pct": 153840, "hpBorrowerEligibility": 153840}, "ami2024": 180400, "amiChangeYoY": 11900, "totalCensusTracts": 408, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06087", "countyName": "Santa Cruz", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 132800, "incomeThresholds": {"veryLow50pct": 66400, "low80pct": 106240, "hpBorrowerEligibility": 106240}, "ami2024": 127300, "amiChangeYoY": 5500, "totalCensusTracts": 70, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06089", "countyName": "Shasta", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 101800, "incomeThresholds": {"veryLow50pct": 50900, "low80pct": 81440, "hpBorrowerEligibility": 81440}, "ami2024": 89100, "amiChangeYoY": 12700, "totalCensusTracts": 50, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06091", "countyName": "Sierra", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06093", "countyName": "Siskiyou", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06095", "countyName": "Solano", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 124600, "incomeThresholds": {"veryLow50pct": 62300, "low80pct": 99680, "hpBorrowerEligibility": 99680}, "ami2024": 113200, "amiChangeYoY": 11400, "totalCensusTracts": 100, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06097", "countyName": "Sonoma", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 132000, "incomeThresholds": {"veryLow50pct": 66000, "low80pct": 105600, "hpBorrowerEligibility": 105600}, "ami2024": 128400, "amiChangeYoY": 3600, "totalCensusTracts": 122, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06099", "countyName": "Stanislaus", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 91100, "amiChangeYoY": 7400, "totalCensusTracts": 112, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06101", "countyName": "Sutter", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 82200, "amiChangeYoY": 16700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06103", "countyName": "Tehama", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06105", "countyName": "Trinity", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87900, "amiChangeYoY": 6000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06107", "countyName": "Tulare", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 82100, "incomeThresholds": {"veryLow50pct": 41050, "low80pct": 65680, "hpBorrowerEligibility": 65680}, "ami2024": 72000, "amiChangeYoY": 10100, "totalCensusTracts": 103, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06109", "countyName": "Tuolumne", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 101600, "incomeThresholds": {"veryLow50pct": 50800, "low80pct": 81280, "hpBorrowerEligibility": 81280}, "ami2024": 96900, "amiChangeYoY": 4700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06111", "countyName": "Ventura", "state": "CA", "stateName": "California", "isHighCost": true, "ami2025": 131300, "incomeThresholds": {"veryLow50pct": 65650, "low80pct": 105040, "hpBorrowerEligibility": 105040}, "ami2024": 125600, "amiChangeYoY": 5700, "totalCensusTracts": 190, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06113", "countyName": "Yolo", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 113700, "amiChangeYoY": 7800, "totalCensusTracts": 53, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "06115", "countyName": "Yuba", "state": "CA", "stateName": "California", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 82200, "amiChangeYoY": 16700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08001", "countyName": "Adams", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 107, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08003", "countyName": "Alamosa", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08005", "countyName": "Arapahoe", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 161, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08007", "countyName": "Archuleta", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08009", "countyName": "Baca", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08011", "countyName": "Bent", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08013", "countyName": "Boulder", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 150600, "incomeThresholds": {"veryLow50pct": 75300, "low80pct": 120480, "hpBorrowerEligibility": 120480}, "ami2024": 148400, "amiChangeYoY": 2200, "totalCensusTracts": 78, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08014", "countyName": "Broomfield", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08015", "countyName": "Chaffee", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 94200, "amiChangeYoY": 8800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08017", "countyName": "Cheyenne", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08019", "countyName": "Clear Creek", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08021", "countyName": "Conejos", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08023", "countyName": "Costilla", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08025", "countyName": "Crowley", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08027", "countyName": "Custer", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08029", "countyName": "Delta", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08031", "countyName": "Denver", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 178, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08033", "countyName": "Dolores", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97700, "amiChangeYoY": 5000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08035", "countyName": "Douglas", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 72, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08037", "countyName": "Eagle", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 133200, "incomeThresholds": {"veryLow50pct": 66600, "low80pct": 106560, "hpBorrowerEligibility": 106560}, "ami2024": 121400, "amiChangeYoY": 11800, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08041", "countyName": "El Paso", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 103700, "amiChangeYoY": 9700, "totalCensusTracts": 167, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08039", "countyName": "Elbert", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08043", "countyName": "Fremont", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08045", "countyName": "Garfield", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 105600, "incomeThresholds": {"veryLow50pct": 52800, "low80pct": 84480, "hpBorrowerEligibility": 84480}, "ami2024": 102400, "amiChangeYoY": 3200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08047", "countyName": "Gilpin", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08049", "countyName": "Grand", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 126700, "incomeThresholds": {"veryLow50pct": 63350, "low80pct": 101360, "hpBorrowerEligibility": 101360}, "ami2024": 111000, "amiChangeYoY": 15700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08051", "countyName": "Gunnison", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 129500, "incomeThresholds": {"veryLow50pct": 64750, "low80pct": 103600, "hpBorrowerEligibility": 103600}, "ami2024": 120100, "amiChangeYoY": 9400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08053", "countyName": "Hinsdale", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08055", "countyName": "Huerfano", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08057", "countyName": "Jackson", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08059", "countyName": "Jefferson", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 146, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08061", "countyName": "Kiowa", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08063", "countyName": "Kit Carson", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08067", "countyName": "La Plata", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 117500, "incomeThresholds": {"veryLow50pct": 58750, "low80pct": 94000, "hpBorrowerEligibility": 94000}, "ami2024": 110500, "amiChangeYoY": 7000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08065", "countyName": "Lake", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 128700, "incomeThresholds": {"veryLow50pct": 64350, "low80pct": 102960, "hpBorrowerEligibility": 102960}, "ami2024": 100800, "amiChangeYoY": 27900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08069", "countyName": "Larimer", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 127600, "incomeThresholds": {"veryLow50pct": 63800, "low80pct": 102080, "hpBorrowerEligibility": 102080}, "ami2024": 118800, "amiChangeYoY": 8800, "totalCensusTracts": 86, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08071", "countyName": "Las Animas", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08073", "countyName": "Lincoln", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95000, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08075", "countyName": "Logan", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08077", "countyName": "Mesa", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 94100, "incomeThresholds": {"veryLow50pct": 47050, "low80pct": 75280, "hpBorrowerEligibility": 75280}, "ami2024": 86400, "amiChangeYoY": 7700, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08079", "countyName": "Mineral", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08081", "countyName": "Moffat", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08083", "countyName": "Montezuma", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08085", "countyName": "Montrose", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08087", "countyName": "Morgan", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08089", "countyName": "Otero", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08091", "countyName": "Ouray", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 104500, "incomeThresholds": {"veryLow50pct": 52250, "low80pct": 83600, "hpBorrowerEligibility": 83600}, "ami2024": 94600, "amiChangeYoY": 9900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08093", "countyName": "Park", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 140100, "incomeThresholds": {"veryLow50pct": 70050, "low80pct": 112080, "hpBorrowerEligibility": 112080}, "ami2024": 130400, "amiChangeYoY": 9700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08095", "countyName": "Phillips", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08097", "countyName": "Pitkin", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 138500, "incomeThresholds": {"veryLow50pct": 69250, "low80pct": 110800, "hpBorrowerEligibility": 110800}, "ami2024": 130500, "amiChangeYoY": 8000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08099", "countyName": "Prowers", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08101", "countyName": "Pueblo", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 76900, "amiChangeYoY": 7100, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08103", "countyName": "Rio Blanco", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08105", "countyName": "Rio Grande", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08107", "countyName": "Routt", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 136000, "incomeThresholds": {"veryLow50pct": 68000, "low80pct": 108800, "hpBorrowerEligibility": 108800}, "ami2024": 123400, "amiChangeYoY": 12600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08109", "countyName": "Saguache", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08111", "countyName": "San Juan", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08113", "countyName": "San Miguel", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 119500, "incomeThresholds": {"veryLow50pct": 59750, "low80pct": 95600, "hpBorrowerEligibility": 95600}, "ami2024": 103500, "amiChangeYoY": 16000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08115", "countyName": "Sedgwick", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08117", "countyName": "Summit", "state": "CO", "stateName": "Colorado", "isHighCost": true, "ami2025": 139600, "incomeThresholds": {"veryLow50pct": 69800, "low80pct": 111680, "hpBorrowerEligibility": 111680}, "ami2024": 128200, "amiChangeYoY": 11400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08119", "countyName": "Teller", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 103700, "amiChangeYoY": 9700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08121", "countyName": "Washington", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08123", "countyName": "Weld", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 113600, "incomeThresholds": {"veryLow50pct": 56800, "low80pct": 90880, "hpBorrowerEligibility": 90880}, "ami2024": 114500, "amiChangeYoY": -900, "totalCensusTracts": 83, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "08125", "countyName": "Yuma", "state": "CO", "stateName": "Colorado", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94200, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "10001", "countyName": "Kent", "state": "DE", "stateName": "Delaware", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 91300, "amiChangeYoY": 8100, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "10003", "countyName": "New\nCastle", "state": "DE", "stateName": "Delaware", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 145, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "10005", "countyName": "Sussex", "state": "DE", "stateName": "Delaware", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 100600, "amiChangeYoY": -3100, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "11001", "countyName": "District Of\nColumbia", "state": "DC", "stateName": "District of Columbia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 206, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12001", "countyName": "Alachua", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 92700, "amiChangeYoY": 5800, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12003", "countyName": "Baker", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 98000, "amiChangeYoY": 4300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12005", "countyName": "Bay", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 85900, "amiChangeYoY": 3400, "totalCensusTracts": 50, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12007", "countyName": "Bradford", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 76200, "amiChangeYoY": 7600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12009", "countyName": "Brevard", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 99700, "amiChangeYoY": 200, "totalCensusTracts": 148, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12011", "countyName": "Broward", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 87600, "amiChangeYoY": 8500, "totalCensusTracts": 417, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12013", "countyName": "Calhoun", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 69800, "amiChangeYoY": 6800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12015", "countyName": "Charlotte", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 77900, "amiChangeYoY": 16900, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12017", "countyName": "Citrus", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 72500, "incomeThresholds": {"veryLow50pct": 36250, "low80pct": 58000, "hpBorrowerEligibility": 58000}, "ami2024": 66500, "amiChangeYoY": 6000, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12019", "countyName": "Clay", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 98000, "amiChangeYoY": 4300, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12021", "countyName": "Collier", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 113600, "incomeThresholds": {"veryLow50pct": 56800, "low80pct": 90880, "hpBorrowerEligibility": 90880}, "ami2024": 104300, "amiChangeYoY": 9300, "totalCensusTracts": 109, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12023", "countyName": "Columbia", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 73600, "amiChangeYoY": 3000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12027", "countyName": "Desoto", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12029", "countyName": "Dixie", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12031", "countyName": "Duval", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 98000, "amiChangeYoY": 4300, "totalCensusTracts": 219, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12033", "countyName": "Escambia", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 92200, "amiChangeYoY": 8000, "totalCensusTracts": 79, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12035", "countyName": "Flagler", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 83900, "amiChangeYoY": 2900, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12037", "countyName": "Franklin", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 69500, "amiChangeYoY": 7100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12039", "countyName": "Gadsden", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 88800, "amiChangeYoY": 3800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12041", "countyName": "Gilchrist", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 92700, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12043", "countyName": "Glades", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12045", "countyName": "Gulf", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 75000, "amiChangeYoY": 10000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12047", "countyName": "Hamilton", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12049", "countyName": "Hardee", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12051", "countyName": "Hendry", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12053", "countyName": "Hernando", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 92000, "amiChangeYoY": 6400, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12055", "countyName": "Highlands", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 66400, "incomeThresholds": {"veryLow50pct": 33200, "low80pct": 53120, "hpBorrowerEligibility": 53120}, "ami2024": 70600, "amiChangeYoY": -4200, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12057", "countyName": "Hillsborough", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 92000, "amiChangeYoY": 6400, "totalCensusTracts": 335, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12059", "countyName": "Holmes", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12061", "countyName": "Indian River", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 93200, "incomeThresholds": {"veryLow50pct": 46600, "low80pct": 74560, "hpBorrowerEligibility": 74560}, "ami2024": 82800, "amiChangeYoY": 10400, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12063", "countyName": "Jackson", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12065", "countyName": "Jefferson", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 88800, "amiChangeYoY": 3800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12067", "countyName": "Lafayette", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12069", "countyName": "Lake", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 90400, "amiChangeYoY": 7700, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12071", "countyName": "Lee", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 88800, "amiChangeYoY": 3700, "totalCensusTracts": 223, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12073", "countyName": "Leon", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 88800, "amiChangeYoY": 3800, "totalCensusTracts": 79, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12075", "countyName": "Levy", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 92700, "amiChangeYoY": 5800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12077", "countyName": "Liberty", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12079", "countyName": "Madison", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12081", "countyName": "Manatee", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 106100, "incomeThresholds": {"veryLow50pct": 53050, "low80pct": 84880, "hpBorrowerEligibility": 84880}, "ami2024": 97000, "amiChangeYoY": 9100, "totalCensusTracts": 94, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12083", "countyName": "Marion", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 73700, "amiChangeYoY": 2500, "totalCensusTracts": 93, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12085", "countyName": "Martin", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 87800, "amiChangeYoY": 1500, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12086", "countyName": "Miami-Dade", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 87600, "amiChangeYoY": 8500, "totalCensusTracts": 707, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12087", "countyName": "Monroe", "state": "FL", "stateName": "Florida", "isHighCost": true, "ami2025": 118000, "incomeThresholds": {"veryLow50pct": 59000, "low80pct": 94400, "hpBorrowerEligibility": 94400}, "ami2024": 97500, "amiChangeYoY": 20500, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12089", "countyName": "Nassau", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 98000, "amiChangeYoY": 4300, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12091", "countyName": "Okaloosa", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 101300, "incomeThresholds": {"veryLow50pct": 50650, "low80pct": 81040, "hpBorrowerEligibility": 81040}, "ami2024": 96000, "amiChangeYoY": 5300, "totalCensusTracts": 49, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12093", "countyName": "Okeechobee", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12095", "countyName": "Orange", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 90400, "amiChangeYoY": 7700, "totalCensusTracts": 267, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12097", "countyName": "Osceola", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 90400, "amiChangeYoY": 7700, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12099", "countyName": "Palm Beach", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 87600, "amiChangeYoY": 8500, "totalCensusTracts": 373, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12101", "countyName": "Pasco", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 92000, "amiChangeYoY": 6400, "totalCensusTracts": 131, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12103", "countyName": "Pinellas", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 92000, "amiChangeYoY": 6400, "totalCensusTracts": 275, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12105", "countyName": "Polk", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 83300, "incomeThresholds": {"veryLow50pct": 41650, "low80pct": 66640, "hpBorrowerEligibility": 66640}, "ami2024": 76400, "amiChangeYoY": 6900, "totalCensusTracts": 174, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12107", "countyName": "Putnam", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12113", "countyName": "Santa Rosa", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 92200, "amiChangeYoY": 8000, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12115", "countyName": "Sarasota", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 106100, "incomeThresholds": {"veryLow50pct": 53050, "low80pct": 84880, "hpBorrowerEligibility": 84880}, "ami2024": 97000, "amiChangeYoY": 9100, "totalCensusTracts": 123, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12117", "countyName": "Seminole", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 90400, "amiChangeYoY": 7700, "totalCensusTracts": 89, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12109", "countyName": "St. Johns", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 98000, "amiChangeYoY": 4300, "totalCensusTracts": 51, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12111", "countyName": "St. Lucie", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 87800, "amiChangeYoY": 1500, "totalCensusTracts": 68, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12119", "countyName": "Sumter", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 88300, "amiChangeYoY": 14400, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12121", "countyName": "Suwannee", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12123", "countyName": "Taylor", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 65200, "amiChangeYoY": 11400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12125", "countyName": "Union", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 80900, "incomeThresholds": {"veryLow50pct": 40450, "low80pct": 64720, "hpBorrowerEligibility": 64720}, "ami2024": 78000, "amiChangeYoY": 2900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12127", "countyName": "Volusia", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 83900, "amiChangeYoY": 2900, "totalCensusTracts": 130, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12129", "countyName": "Wakulla", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 88800, "amiChangeYoY": 3800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12131", "countyName": "Walton", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 101300, "incomeThresholds": {"veryLow50pct": 50650, "low80pct": 81040, "hpBorrowerEligibility": 81040}, "ami2024": 96000, "amiChangeYoY": 5300, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "12133", "countyName": "Washington", "state": "FL", "stateName": "Florida", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 63900, "amiChangeYoY": 25400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13001", "countyName": "Appling", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13003", "countyName": "Atkinson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13005", "countyName": "Bacon", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13007", "countyName": "Baker", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13009", "countyName": "Baldwin", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 79900, "incomeThresholds": {"veryLow50pct": 39950, "low80pct": 63920, "hpBorrowerEligibility": 63920}, "ami2024": 79300, "amiChangeYoY": 600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13011", "countyName": "Banks", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 84900, "amiChangeYoY": 5800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13013", "countyName": "Barrow", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13015", "countyName": "Bartow", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13017", "countyName": "Ben Hill", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13019", "countyName": "Berrien", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13021", "countyName": "Bibb", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76000, "amiChangeYoY": 6900, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13023", "countyName": "Bleckley", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13025", "countyName": "Brantley", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 77000, "amiChangeYoY": 12100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13027", "countyName": "Brooks", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 81300, "incomeThresholds": {"veryLow50pct": 40650, "low80pct": 65040, "hpBorrowerEligibility": 65040}, "ami2024": 70000, "amiChangeYoY": 11300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13029", "countyName": "Bryan", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 92400, "amiChangeYoY": 7200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13031", "countyName": "Bulloch", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 71200, "amiChangeYoY": 8200, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13033", "countyName": "Burke", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13035", "countyName": "Butts", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13037", "countyName": "Calhoun", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13039", "countyName": "Camden", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13043", "countyName": "Candler", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13045", "countyName": "Carroll", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13047", "countyName": "Catoosa", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13049", "countyName": "Charlton", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13051", "countyName": "Chatham", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 92400, "amiChangeYoY": 7200, "totalCensusTracts": 88, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13053", "countyName": "Chattahoochee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13055", "countyName": "Chattooga", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13057", "countyName": "Cherokee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 56, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13059", "countyName": "Clarke", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 90900, "amiChangeYoY": 3400, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13061", "countyName": "Clay", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13063", "countyName": "Clayton", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 70, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13065", "countyName": "Clinch", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 77200, "incomeThresholds": {"veryLow50pct": 38600, "low80pct": 61760, "hpBorrowerEligibility": 61760}, "ami2024": 71900, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13067", "countyName": "Cobb", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 186, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13069", "countyName": "Coffee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13071", "countyName": "Colquitt", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13073", "countyName": "Columbia", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13075", "countyName": "Cook", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13077", "countyName": "Coweta", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13079", "countyName": "Crawford", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76000, "amiChangeYoY": 6900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13081", "countyName": "Crisp", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13083", "countyName": "Dade", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13085", "countyName": "Dawson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13087", "countyName": "Decatur", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13089", "countyName": "Dekalb", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 203, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13091", "countyName": "Dodge", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13093", "countyName": "Dooly", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 76100, "amiChangeYoY": 100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13095", "countyName": "Dougherty", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 67700, "incomeThresholds": {"veryLow50pct": 33850, "low80pct": 54160, "hpBorrowerEligibility": 54160}, "ami2024": 64500, "amiChangeYoY": 3200, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13097", "countyName": "Douglas", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13099", "countyName": "Early", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13101", "countyName": "Echols", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 81300, "incomeThresholds": {"veryLow50pct": 40650, "low80pct": 65040, "hpBorrowerEligibility": 65040}, "ami2024": 70000, "amiChangeYoY": 11300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13103", "countyName": "Effingham", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 92400, "amiChangeYoY": 7200, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13105", "countyName": "Elbert", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13107", "countyName": "Emanuel", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13109", "countyName": "Evans", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13111", "countyName": "Fannin", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13113", "countyName": "Fayette", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13115", "countyName": "Floyd", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 73500, "amiChangeYoY": 6700, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13117", "countyName": "Forsyth", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13119", "countyName": "Franklin", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13121", "countyName": "Fulton", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 327, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13123", "countyName": "Gilmer", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 83400, "amiChangeYoY": 4900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13125", "countyName": "Glascock", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 80400, "amiChangeYoY": 3400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13127", "countyName": "Glynn", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 77000, "amiChangeYoY": 12100, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13129", "countyName": "Gordon", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82000, "incomeThresholds": {"veryLow50pct": 41000, "low80pct": 65600, "hpBorrowerEligibility": 65600}, "ami2024": 71700, "amiChangeYoY": 10300, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13131", "countyName": "Grady", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13133", "countyName": "Greene", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 109800, "incomeThresholds": {"veryLow50pct": 54900, "low80pct": 87840, "hpBorrowerEligibility": 87840}, "ami2024": 95400, "amiChangeYoY": 14400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13135", "countyName": "Gwinnett", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 220, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13137", "countyName": "Habersham", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 78800, "amiChangeYoY": 6200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13139", "countyName": "Hall", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 92700, "amiChangeYoY": 10000, "totalCensusTracts": 50, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13141", "countyName": "Hancock", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13143", "countyName": "Haralson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13145", "countyName": "Harris", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13147", "countyName": "Hart", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 80400, "incomeThresholds": {"veryLow50pct": 40200, "low80pct": 64320, "hpBorrowerEligibility": 64320}, "ami2024": 82000, "amiChangeYoY": -1600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13149", "countyName": "Heard", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13151", "countyName": "Henry", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13153", "countyName": "Houston", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 90900, "amiChangeYoY": 6500, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13155", "countyName": "Irwin", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 72300, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13157", "countyName": "Jackson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 103700, "incomeThresholds": {"veryLow50pct": 51850, "low80pct": 82960, "hpBorrowerEligibility": 82960}, "ami2024": 98100, "amiChangeYoY": 5600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13159", "countyName": "Jasper", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13161", "countyName": "Jeff Davis", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13163", "countyName": "Jefferson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13165", "countyName": "Jenkins", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13167", "countyName": "Johnson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13169", "countyName": "Jones", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76000, "amiChangeYoY": 6900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13171", "countyName": "Lamar", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88400, "incomeThresholds": {"veryLow50pct": 44200, "low80pct": 70720, "hpBorrowerEligibility": 70720}, "ami2024": 106100, "amiChangeYoY": -17700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13173", "countyName": "Lanier", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 81300, "incomeThresholds": {"veryLow50pct": 40650, "low80pct": 65040, "hpBorrowerEligibility": 65040}, "ami2024": 70000, "amiChangeYoY": 11300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13175", "countyName": "Laurens", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13177", "countyName": "Lee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 67700, "incomeThresholds": {"veryLow50pct": 33850, "low80pct": 54160, "hpBorrowerEligibility": 54160}, "ami2024": 64500, "amiChangeYoY": 3200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13179", "countyName": "Liberty", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 82500, "amiChangeYoY": -9900, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13181", "countyName": "Lincoln", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13183", "countyName": "Long", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 82500, "amiChangeYoY": -9900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13185", "countyName": "Lowndes", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 81300, "incomeThresholds": {"veryLow50pct": 40650, "low80pct": 65040, "hpBorrowerEligibility": 65040}, "ami2024": 70000, "amiChangeYoY": 11300, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13187", "countyName": "Lumpkin", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 86200, "amiChangeYoY": 27300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13193", "countyName": "Macon", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13195", "countyName": "Madison", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 90900, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13197", "countyName": "Marion", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13189", "countyName": "Mcduffie", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13191", "countyName": "Mcintosh", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 77000, "amiChangeYoY": 12100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13199", "countyName": "Meriwether", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13201", "countyName": "Miller", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 73100, "amiChangeYoY": 8100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13205", "countyName": "Mitchell", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13207", "countyName": "Monroe", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76000, "amiChangeYoY": 6900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13209", "countyName": "Montgomery", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13211", "countyName": "Morgan", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13213", "countyName": "Murray", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 76600, "amiChangeYoY": 6400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13215", "countyName": "Muscogee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13217", "countyName": "Newton", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13219", "countyName": "Oconee", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 90900, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13221", "countyName": "Oglethorpe", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 90900, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13223", "countyName": "Paulding", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13225", "countyName": "Peach", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 90900, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13227", "countyName": "Pickens", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13229", "countyName": "Pierce", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 70500, "amiChangeYoY": 8600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13231", "countyName": "Pike", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13233", "countyName": "Polk", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 72700, "amiChangeYoY": 3500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13235", "countyName": "Pulaski", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13237", "countyName": "Putnam", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 91600, "incomeThresholds": {"veryLow50pct": 45800, "low80pct": 73280, "hpBorrowerEligibility": 73280}, "ami2024": 85000, "amiChangeYoY": 6600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13239", "countyName": "Quitman", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13241", "countyName": "Rabun", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 76400, "amiChangeYoY": 7200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13243", "countyName": "Randolph", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13245", "countyName": "Richmond", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 56, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13247", "countyName": "Rockdale", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13249", "countyName": "Schley", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 72700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13251", "countyName": "Screven", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 74600, "amiChangeYoY": 1600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13253", "countyName": "Seminole", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13255", "countyName": "Spalding", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13257", "countyName": "Stephens", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 70500, "amiChangeYoY": 6800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13259", "countyName": "Stewart", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13261", "countyName": "Sumter", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13263", "countyName": "Talbot", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68500, "amiChangeYoY": 6300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13265", "countyName": "Taliaferro", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13267", "countyName": "Tattnall", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13269", "countyName": "Taylor", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13271", "countyName": "Telfair", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13273", "countyName": "Terrell", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 67700, "incomeThresholds": {"veryLow50pct": 33850, "low80pct": 54160, "hpBorrowerEligibility": 54160}, "ami2024": 64500, "amiChangeYoY": 3200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13275", "countyName": "Thomas", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 78200, "amiChangeYoY": 11300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13277", "countyName": "Tift", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13279", "countyName": "Toombs", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13281", "countyName": "Towns", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 80000, "incomeThresholds": {"veryLow50pct": 40000, "low80pct": 64000, "hpBorrowerEligibility": 64000}, "ami2024": 73300, "amiChangeYoY": 6700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13283", "countyName": "Treutlen", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13285", "countyName": "Troup", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 87600, "amiChangeYoY": -2500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13287", "countyName": "Turner", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13289", "countyName": "Twiggs", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 82900, "incomeThresholds": {"veryLow50pct": 41450, "low80pct": 66320, "hpBorrowerEligibility": 66320}, "ami2024": 76000, "amiChangeYoY": 6900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13291", "countyName": "Union", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 84300, "amiChangeYoY": 6400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13293", "countyName": "Upson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13295", "countyName": "Walker", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13297", "countyName": "Walton", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 106100, "amiChangeYoY": 7400, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13299", "countyName": "Ware", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13301", "countyName": "Warren", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13303", "countyName": "Washington", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13305", "countyName": "Wayne", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13307", "countyName": "Webster", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13309", "countyName": "Wheeler", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13311", "countyName": "White", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 92700, "incomeThresholds": {"veryLow50pct": 46350, "low80pct": 74160, "hpBorrowerEligibility": 74160}, "ami2024": 87600, "amiChangeYoY": 5100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13313", "countyName": "Whitfield", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 76600, "amiChangeYoY": 6400, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13315", "countyName": "Wilcox", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13317", "countyName": "Wilkes", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13319", "countyName": "Wilkinson", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 70500, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "13321", "countyName": "Worth", "state": "GA", "stateName": "Georgia", "isHighCost": false, "ami2025": 67700, "incomeThresholds": {"veryLow50pct": 33850, "low80pct": 54160, "hpBorrowerEligibility": 54160}, "ami2024": 64500, "amiChangeYoY": 3200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "66010", "countyName": "Guam", "state": "GU", "stateName": "Guam", "isHighCost": false, "ami2025": 80100, "incomeThresholds": {"veryLow50pct": 40050, "low80pct": 64080, "hpBorrowerEligibility": 64080}, "ami2024": 75200, "amiChangeYoY": 4900, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "15001", "countyName": "Hawaii", "state": "HI", "stateName": "Hawaii", "isHighCost": false, "ami2025": 102900, "incomeThresholds": {"veryLow50pct": 51450, "low80pct": 82320, "hpBorrowerEligibility": 82320}, "ami2024": 100700, "amiChangeYoY": 2200, "totalCensusTracts": 60, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "15003", "countyName": "Honolulu", "state": "HI", "stateName": "Hawaii", "isHighCost": false, "ami2025": 129300, "incomeThresholds": {"veryLow50pct": 64650, "low80pct": 103440, "hpBorrowerEligibility": 103440}, "ami2024": 120100, "amiChangeYoY": 9200, "totalCensusTracts": 330, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "15005", "countyName": "Kalawao", "state": "HI", "stateName": "Hawaii", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 100700, "amiChangeYoY": 10200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "15007", "countyName": "Kauai", "state": "HI", "stateName": "Hawaii", "isHighCost": false, "ami2025": 132900, "incomeThresholds": {"veryLow50pct": 66450, "low80pct": 106320, "hpBorrowerEligibility": 106320}, "ami2024": 107100, "amiChangeYoY": 25800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "15009", "countyName": "Maui", "state": "HI", "stateName": "Hawaii", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 110800, "amiChangeYoY": 100, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16001", "countyName": "Ada", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 98000, "amiChangeYoY": 10300, "totalCensusTracts": 129, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16003", "countyName": "Adams", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16005", "countyName": "Bannock", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 84200, "amiChangeYoY": 13900, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16007", "countyName": "Bear Lake", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 93600, "incomeThresholds": {"veryLow50pct": 46800, "low80pct": 74880, "hpBorrowerEligibility": 74880}, "ami2024": 87000, "amiChangeYoY": 6600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16009", "countyName": "Benewah", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16011", "countyName": "Bingham", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 84800, "amiChangeYoY": 9600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16013", "countyName": "Blaine", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 100400, "incomeThresholds": {"veryLow50pct": 50200, "low80pct": 80320, "hpBorrowerEligibility": 80320}, "ami2024": 93000, "amiChangeYoY": 7400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16015", "countyName": "Boise", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 98000, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16017", "countyName": "Bonner", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79900, "amiChangeYoY": 6700, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16019", "countyName": "Bonneville", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 87200, "amiChangeYoY": 15600, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16021", "countyName": "Boundary", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16023", "countyName": "Butte", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 87200, "amiChangeYoY": 15600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16025", "countyName": "Camas", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16027", "countyName": "Canyon", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 98000, "amiChangeYoY": 10300, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16029", "countyName": "Caribou", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 83600, "amiChangeYoY": 3000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16031", "countyName": "Cassia", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16033", "countyName": "Clark", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16035", "countyName": "Clearwater", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16037", "countyName": "Custer", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79900, "amiChangeYoY": 6700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16039", "countyName": "Elmore", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16041", "countyName": "Franklin", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 103400, "incomeThresholds": {"veryLow50pct": 51700, "low80pct": 82720, "hpBorrowerEligibility": 82720}, "ami2024": 95800, "amiChangeYoY": 7600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16043", "countyName": "Fremont", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79800, "amiChangeYoY": 6800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16045", "countyName": "Gem", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 98000, "amiChangeYoY": 10300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16047", "countyName": "Gooding", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16049", "countyName": "Idaho", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16051", "countyName": "Jefferson", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 87200, "amiChangeYoY": 15600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16053", "countyName": "Jerome", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 81900, "amiChangeYoY": 500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16055", "countyName": "Kootenai", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 97300, "amiChangeYoY": 200, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16057", "countyName": "Latah", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 91500, "amiChangeYoY": 4100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16059", "countyName": "Lemhi", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16061", "countyName": "Lewis", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16063", "countyName": "Lincoln", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16065", "countyName": "Madison", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16067", "countyName": "Minidoka", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16069", "countyName": "Nez Perce", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 84300, "amiChangeYoY": 2800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16071", "countyName": "Oneida", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 83300, "amiChangeYoY": 6200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16073", "countyName": "Owyhee", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 98000, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16075", "countyName": "Payette", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16077", "countyName": "Power", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 84200, "amiChangeYoY": 2400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16079", "countyName": "Shoshone", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16081", "countyName": "Teton", "state": "ID", "stateName": "Idaho", "isHighCost": true, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 116000, "amiChangeYoY": 100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16083", "countyName": "Twin Falls", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 81900, "amiChangeYoY": 500, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16085", "countyName": "Valley", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 93000, "amiChangeYoY": 11200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "16087", "countyName": "Washington", "state": "ID", "stateName": "Idaho", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 79600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17001", "countyName": "Adams", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 88800, "amiChangeYoY": 4300, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17003", "countyName": "Alexander", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 83100, "amiChangeYoY": 15000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17005", "countyName": "Bond", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17007", "countyName": "Boone", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86400, "incomeThresholds": {"veryLow50pct": 43200, "low80pct": 69120, "hpBorrowerEligibility": 69120}, "ami2024": 89000, "amiChangeYoY": -2600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17009", "countyName": "Brown", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 87900, "amiChangeYoY": 4600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17011", "countyName": "Bureau", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 86300, "amiChangeYoY": 2800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17013", "countyName": "Calhoun", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17015", "countyName": "Carroll", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 82500, "amiChangeYoY": 4100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17017", "countyName": "Cass", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17019", "countyName": "Champaign", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97100, "incomeThresholds": {"veryLow50pct": 48550, "low80pct": 77680, "hpBorrowerEligibility": 77680}, "ami2024": 106200, "amiChangeYoY": -9100, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17021", "countyName": "Christian", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 83300, "amiChangeYoY": 3300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17023", "countyName": "Clark", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 91800, "incomeThresholds": {"veryLow50pct": 45900, "low80pct": 73440, "hpBorrowerEligibility": 73440}, "ami2024": 86500, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17025", "countyName": "Clay", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17027", "countyName": "Clinton", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17029", "countyName": "Coles", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17031", "countyName": "Cook", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 1332, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17033", "countyName": "Crawford", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 92900, "incomeThresholds": {"veryLow50pct": 46450, "low80pct": 74320, "hpBorrowerEligibility": 74320}, "ami2024": 84000, "amiChangeYoY": 8900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17035", "countyName": "Cumberland", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 101600, "incomeThresholds": {"veryLow50pct": 50800, "low80pct": 81280, "hpBorrowerEligibility": 81280}, "ami2024": 94000, "amiChangeYoY": 7600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17039", "countyName": "De Witt", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97100, "incomeThresholds": {"veryLow50pct": 48550, "low80pct": 77680, "hpBorrowerEligibility": 77680}, "ami2024": 91400, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17037", "countyName": "Dekalb", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17041", "countyName": "Douglas", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 89200, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17043", "countyName": "Dupage", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 219, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17045", "countyName": "Edgar", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17047", "countyName": "Edwards", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17049", "countyName": "Effingham", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 95400, "amiChangeYoY": 5800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17051", "countyName": "Fayette", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17053", "countyName": "Ford", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97100, "incomeThresholds": {"veryLow50pct": 48550, "low80pct": 77680, "hpBorrowerEligibility": 77680}, "ami2024": 86500, "amiChangeYoY": 10600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17055", "countyName": "Franklin", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17057", "countyName": "Fulton", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 91700, "amiChangeYoY": -5100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17059", "countyName": "Gallatin", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17061", "countyName": "Greene", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17063", "countyName": "Grundy", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17065", "countyName": "Hamilton", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81600, "amiChangeYoY": 5000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17067", "countyName": "Hancock", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 91900, "incomeThresholds": {"veryLow50pct": 45950, "low80pct": 73520, "hpBorrowerEligibility": 73520}, "ami2024": 87500, "amiChangeYoY": 4400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17069", "countyName": "Hardin", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17071", "countyName": "Henderson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 85600, "amiChangeYoY": 1000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17073", "countyName": "Henry", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 89500, "amiChangeYoY": 9400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17075", "countyName": "Iroquois", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 88600, "incomeThresholds": {"veryLow50pct": 44300, "low80pct": 70880, "hpBorrowerEligibility": 70880}, "ami2024": 86000, "amiChangeYoY": 2600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17077", "countyName": "Jackson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 87100, "amiChangeYoY": -500, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17079", "countyName": "Jasper", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 84900, "amiChangeYoY": 14700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17081", "countyName": "Jefferson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17083", "countyName": "Jersey", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17085", "countyName": "Jo Daviess", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 101100, "incomeThresholds": {"veryLow50pct": 50550, "low80pct": 80880, "hpBorrowerEligibility": 80880}, "ami2024": 92200, "amiChangeYoY": 8900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17087", "countyName": "Johnson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 87100, "amiChangeYoY": -500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17089", "countyName": "Kane", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 104, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17091", "countyName": "Kankakee", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 91200, "incomeThresholds": {"veryLow50pct": 45600, "low80pct": 72960, "hpBorrowerEligibility": 72960}, "ami2024": 102400, "amiChangeYoY": -11200, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17093", "countyName": "Kendall", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17095", "countyName": "Knox", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17099", "countyName": "La Salle", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 94200, "incomeThresholds": {"veryLow50pct": 47100, "low80pct": 75360, "hpBorrowerEligibility": 75360}, "ami2024": 83400, "amiChangeYoY": 10800, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17097", "countyName": "Lake", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 160, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17101", "countyName": "Lawrence", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17103", "countyName": "Lee", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 89900, "amiChangeYoY": 2100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17105", "countyName": "Livingston", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 96800, "incomeThresholds": {"veryLow50pct": 48400, "low80pct": 77440, "hpBorrowerEligibility": 77440}, "ami2024": 90900, "amiChangeYoY": 5900, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17107", "countyName": "Logan", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 86000, "amiChangeYoY": 3000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17115", "countyName": "Macon", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 91600, "incomeThresholds": {"veryLow50pct": 45800, "low80pct": 73280, "hpBorrowerEligibility": 73280}, "ami2024": 86900, "amiChangeYoY": 4700, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17117", "countyName": "Macoupin", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17119", "countyName": "Madison", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 63, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17121", "countyName": "Marion", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17123", "countyName": "Marshall", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 91700, "amiChangeYoY": 5900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17125", "countyName": "Mason", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86900, "incomeThresholds": {"veryLow50pct": 43450, "low80pct": 69520, "hpBorrowerEligibility": 69520}, "ami2024": 81400, "amiChangeYoY": 5500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17127", "countyName": "Massac", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 74000, "amiChangeYoY": 14300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17109", "countyName": "Mcdonough", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17111", "countyName": "Mchenry", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 64, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17113", "countyName": "Mclean", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 118800, "incomeThresholds": {"veryLow50pct": 59400, "low80pct": 95040, "hpBorrowerEligibility": 95040}, "ami2024": 109400, "amiChangeYoY": 9400, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17129", "countyName": "Menard", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 114700, "incomeThresholds": {"veryLow50pct": 57350, "low80pct": 91760, "hpBorrowerEligibility": 91760}, "ami2024": 105600, "amiChangeYoY": 9100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17131", "countyName": "Mercer", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 89500, "amiChangeYoY": 9400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17133", "countyName": "Monroe", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17135", "countyName": "Montgomery", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 86800, "amiChangeYoY": 6700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17137", "countyName": "Morgan", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 96400, "incomeThresholds": {"veryLow50pct": 48200, "low80pct": 77120, "hpBorrowerEligibility": 77120}, "ami2024": 86400, "amiChangeYoY": 10000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17139", "countyName": "Moultrie", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 99000, "incomeThresholds": {"veryLow50pct": 49500, "low80pct": 79200, "hpBorrowerEligibility": 79200}, "ami2024": 95500, "amiChangeYoY": 3500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17141", "countyName": "Ogle", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 97100, "amiChangeYoY": 4600, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17143", "countyName": "Peoria", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 91700, "amiChangeYoY": 5900, "totalCensusTracts": 49, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17145", "countyName": "Perry", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17147", "countyName": "Piatt", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97100, "incomeThresholds": {"veryLow50pct": 48550, "low80pct": 77680, "hpBorrowerEligibility": 77680}, "ami2024": 106200, "amiChangeYoY": -9100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17149", "countyName": "Pike", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17151", "countyName": "Pope", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 95500, "incomeThresholds": {"veryLow50pct": 47750, "low80pct": 76400, "hpBorrowerEligibility": 76400}, "ami2024": 81400, "amiChangeYoY": 14100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17153", "countyName": "Pulaski", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17155", "countyName": "Putnam", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 100800, "incomeThresholds": {"veryLow50pct": 50400, "low80pct": 80640, "hpBorrowerEligibility": 80640}, "ami2024": 96500, "amiChangeYoY": 4300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17157", "countyName": "Randolph", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 86200, "amiChangeYoY": 10300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17159", "countyName": "Richland", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17161", "countyName": "Rock Island", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 89500, "amiChangeYoY": 9400, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17165", "countyName": "Saline", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17167", "countyName": "Sangamon", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 114700, "incomeThresholds": {"veryLow50pct": 57350, "low80pct": 91760, "hpBorrowerEligibility": 91760}, "ami2024": 105600, "amiChangeYoY": 9100, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17169", "countyName": "Schuyler", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 92300, "incomeThresholds": {"veryLow50pct": 46150, "low80pct": 73840, "hpBorrowerEligibility": 73840}, "ami2024": 86600, "amiChangeYoY": 5700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17171", "countyName": "Scott", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 91100, "amiChangeYoY": 8500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17173", "countyName": "Shelby", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 83000, "amiChangeYoY": 7800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17163", "countyName": "St. Clair", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 68, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17175", "countyName": "Stark", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 91700, "amiChangeYoY": 5900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17177", "countyName": "Stephenson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17179", "countyName": "Tazewell", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 91700, "amiChangeYoY": 5900, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17181", "countyName": "Union", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 82200, "amiChangeYoY": 8100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17183", "countyName": "Vermilion", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17185", "countyName": "Wabash", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 85300, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17187", "countyName": "Warren", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 82800, "amiChangeYoY": 6500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17189", "countyName": "Washington", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 102100, "incomeThresholds": {"veryLow50pct": 51050, "low80pct": 81680, "hpBorrowerEligibility": 81680}, "ami2024": 99600, "amiChangeYoY": 2500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17191", "countyName": "Wayne", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17193", "countyName": "White", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81400, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17195", "countyName": "Whiteside", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 85500, "amiChangeYoY": 6700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17197", "countyName": "Will", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 172, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17199", "countyName": "Williamson", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 87100, "amiChangeYoY": -500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17201", "countyName": "Winnebago", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 86400, "incomeThresholds": {"veryLow50pct": 43200, "low80pct": 69120, "hpBorrowerEligibility": 69120}, "ami2024": 89000, "amiChangeYoY": -2600, "totalCensusTracts": 80, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "17203", "countyName": "Woodford", "state": "IL", "stateName": "Illinois", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 91700, "amiChangeYoY": 5900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18001", "countyName": "Adams", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18003", "countyName": "Allen", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88000, "amiChangeYoY": 1900, "totalCensusTracts": 96, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18005", "countyName": "Bartholomew", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 93600, "amiChangeYoY": 11100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18007", "countyName": "Benton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 83100, "amiChangeYoY": 9400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18009", "countyName": "Blackford", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18011", "countyName": "Boone", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18013", "countyName": "Brown", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18015", "countyName": "Carroll", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 83100, "amiChangeYoY": 9400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18017", "countyName": "Cass", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18019", "countyName": "Clark", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18021", "countyName": "Clay", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 76500, "amiChangeYoY": 1200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18023", "countyName": "Clinton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 91000, "incomeThresholds": {"veryLow50pct": 45500, "low80pct": 72800, "hpBorrowerEligibility": 72800}, "ami2024": 81600, "amiChangeYoY": 9400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18025", "countyName": "Crawford", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18027", "countyName": "Daviess", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 95500, "incomeThresholds": {"veryLow50pct": 47750, "low80pct": 76400, "hpBorrowerEligibility": 76400}, "ami2024": 88100, "amiChangeYoY": 7400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18029", "countyName": "Dearborn", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18031", "countyName": "Decatur", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 88200, "amiChangeYoY": 5500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18033", "countyName": "Dekalb", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 90600, "incomeThresholds": {"veryLow50pct": 45300, "low80pct": 72480, "hpBorrowerEligibility": 72480}, "ami2024": 85900, "amiChangeYoY": 4700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18035", "countyName": "Delaware", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 73400, "amiChangeYoY": 7800, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18037", "countyName": "Dubois", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 89400, "amiChangeYoY": 5800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18039", "countyName": "Elkhart", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89600, "incomeThresholds": {"veryLow50pct": 44800, "low80pct": 71680, "hpBorrowerEligibility": 71680}, "ami2024": 82000, "amiChangeYoY": 7600, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18041", "countyName": "Fayette", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18043", "countyName": "Floyd", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18045", "countyName": "Fountain", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18047", "countyName": "Franklin", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18049", "countyName": "Fulton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18051", "countyName": "Gibson", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92900, "incomeThresholds": {"veryLow50pct": 46450, "low80pct": 74320, "hpBorrowerEligibility": 74320}, "ami2024": 86200, "amiChangeYoY": 6700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18053", "countyName": "Grant", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18055", "countyName": "Greene", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18057", "countyName": "Hamilton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18059", "countyName": "Hancock", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18061", "countyName": "Harrison", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18063", "countyName": "Hendricks", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18065", "countyName": "Henry", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18067", "countyName": "Howard", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 74400, "amiChangeYoY": 12200, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18069", "countyName": "Huntington", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 86200, "incomeThresholds": {"veryLow50pct": 43100, "low80pct": 68960, "hpBorrowerEligibility": 68960}, "ami2024": 81300, "amiChangeYoY": 4900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18071", "countyName": "Jackson", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 84200, "amiChangeYoY": 6100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18073", "countyName": "Jasper", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18075", "countyName": "Jay", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18077", "countyName": "Jefferson", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18079", "countyName": "Jennings", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81500, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18081", "countyName": "Johnson", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18083", "countyName": "Knox", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 81700, "amiChangeYoY": 3700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18085", "countyName": "Kosciusko", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 90700, "amiChangeYoY": 7100, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18087", "countyName": "Lagrange", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 93800, "amiChangeYoY": 5600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18089", "countyName": "Lake", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 132, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18091", "countyName": "Laporte", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 81800, "amiChangeYoY": 1600, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18093", "countyName": "Lawrence", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 90000, "incomeThresholds": {"veryLow50pct": 45000, "low80pct": 72000, "hpBorrowerEligibility": 72000}, "ami2024": 83600, "amiChangeYoY": 6400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18095", "countyName": "Madison", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18097", "countyName": "Marion", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 253, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18099", "countyName": "Marshall", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 88000, "amiChangeYoY": 4000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18101", "countyName": "Martin", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 93700, "amiChangeYoY": 7500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18103", "countyName": "Miami", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18105", "countyName": "Monroe", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 100000, "incomeThresholds": {"veryLow50pct": 50000, "low80pct": 80000, "hpBorrowerEligibility": 80000}, "ami2024": 100900, "amiChangeYoY": -900, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18107", "countyName": "Montgomery", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 91200, "incomeThresholds": {"veryLow50pct": 45600, "low80pct": 72960, "hpBorrowerEligibility": 72960}, "ami2024": 86700, "amiChangeYoY": 4500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18109", "countyName": "Morgan", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18111", "countyName": "Newton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18113", "countyName": "Noble", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 90000, "incomeThresholds": {"veryLow50pct": 45000, "low80pct": 72000, "hpBorrowerEligibility": 72000}, "ami2024": 88000, "amiChangeYoY": 2000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18115", "countyName": "Ohio", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18117", "countyName": "Orange", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 82300, "amiChangeYoY": 7500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18119", "countyName": "Owen", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 100000, "incomeThresholds": {"veryLow50pct": 50000, "low80pct": 80000, "hpBorrowerEligibility": 80000}, "ami2024": 100900, "amiChangeYoY": -900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18121", "countyName": "Parke", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18123", "countyName": "Perry", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 87600, "amiChangeYoY": 2900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18125", "countyName": "Pike", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 93600, "incomeThresholds": {"veryLow50pct": 46800, "low80pct": 74880, "hpBorrowerEligibility": 74880}, "ami2024": 85900, "amiChangeYoY": 7700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18127", "countyName": "Porter", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 109800, "amiChangeYoY": 7800, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18129", "countyName": "Posey", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 81400, "amiChangeYoY": 12500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18131", "countyName": "Pulaski", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18133", "countyName": "Putnam", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 94000, "incomeThresholds": {"veryLow50pct": 47000, "low80pct": 75200, "hpBorrowerEligibility": 75200}, "ami2024": 101200, "amiChangeYoY": -7200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18135", "countyName": "Randolph", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18137", "countyName": "Ripley", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 96900, "amiChangeYoY": -400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18139", "countyName": "Rush", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 85900, "incomeThresholds": {"veryLow50pct": 42950, "low80pct": 68720, "hpBorrowerEligibility": 68720}, "ami2024": 81100, "amiChangeYoY": 4800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18143", "countyName": "Scott", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18145", "countyName": "Shelby", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 101200, "amiChangeYoY": 8200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18147", "countyName": "Spencer", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 102900, "incomeThresholds": {"veryLow50pct": 51450, "low80pct": 82320, "hpBorrowerEligibility": 82320}, "ami2024": 95400, "amiChangeYoY": 7500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18141", "countyName": "St. Joseph", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 88800, "incomeThresholds": {"veryLow50pct": 44400, "low80pct": 71040, "hpBorrowerEligibility": 71040}, "ami2024": 87300, "amiChangeYoY": 1500, "totalCensusTracts": 82, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18149", "countyName": "Starke", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18151", "countyName": "Steuben", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 97700, "incomeThresholds": {"veryLow50pct": 48850, "low80pct": 78160, "hpBorrowerEligibility": 78160}, "ami2024": 93700, "amiChangeYoY": 4000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18153", "countyName": "Sullivan", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 76500, "amiChangeYoY": 1200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18155", "countyName": "Switzerland", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18157", "countyName": "Tippecanoe", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 83100, "amiChangeYoY": 9400, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18159", "countyName": "Tipton", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 109400, "incomeThresholds": {"veryLow50pct": 54700, "low80pct": 87520, "hpBorrowerEligibility": 87520}, "ami2024": 86200, "amiChangeYoY": 23200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18161", "countyName": "Union", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 104800, "incomeThresholds": {"veryLow50pct": 52400, "low80pct": 83840, "hpBorrowerEligibility": 83840}, "ami2024": 103700, "amiChangeYoY": 1100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18163", "countyName": "Vanderburgh", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 81400, "amiChangeYoY": 12500, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18165", "countyName": "Vermillion", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 76500, "amiChangeYoY": 1200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18167", "countyName": "Vigo", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 77700, "incomeThresholds": {"veryLow50pct": 38850, "low80pct": 62160, "hpBorrowerEligibility": 62160}, "ami2024": 76500, "amiChangeYoY": 1200, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18169", "countyName": "Wabash", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89200, "incomeThresholds": {"veryLow50pct": 44600, "low80pct": 71360, "hpBorrowerEligibility": 71360}, "ami2024": 82900, "amiChangeYoY": 6300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18171", "countyName": "Warren", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 83100, "amiChangeYoY": 9400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18173", "countyName": "Warrick", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 81400, "amiChangeYoY": 12500, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18175", "countyName": "Washington", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18177", "countyName": "Wayne", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81100, "amiChangeYoY": 3800, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18179", "countyName": "Wells", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 89500, "amiChangeYoY": 400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18181", "countyName": "White", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 84800, "amiChangeYoY": 2000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "18183", "countyName": "Whitley", "state": "IN", "stateName": "Indiana", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88000, "amiChangeYoY": 1900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19001", "countyName": "Adair", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 103500, "incomeThresholds": {"veryLow50pct": 51750, "low80pct": 82800, "hpBorrowerEligibility": 82800}, "ami2024": 92500, "amiChangeYoY": 11000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19003", "countyName": "Adams", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 87700, "amiChangeYoY": 6200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19005", "countyName": "Allamakee", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19007", "countyName": "Appanoose", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19009", "countyName": "Audubon", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19011", "countyName": "Benton", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 101700, "amiChangeYoY": 1300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19013", "countyName": "Black Hawk", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92400, "incomeThresholds": {"veryLow50pct": 46200, "low80pct": 73920, "hpBorrowerEligibility": 73920}, "ami2024": 90000, "amiChangeYoY": 2400, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19015", "countyName": "Boone", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 118100, "incomeThresholds": {"veryLow50pct": 59050, "low80pct": 94480, "hpBorrowerEligibility": 94480}, "ami2024": 112600, "amiChangeYoY": 5500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19017", "countyName": "Bremer", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92400, "incomeThresholds": {"veryLow50pct": 46200, "low80pct": 73920, "hpBorrowerEligibility": 73920}, "ami2024": 90000, "amiChangeYoY": 2400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19019", "countyName": "Buchanan", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 92200, "amiChangeYoY": 7200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19021", "countyName": "Buena Vista", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 92900, "amiChangeYoY": 5500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19023", "countyName": "Butler", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19025", "countyName": "Calhoun", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19027", "countyName": "Carroll", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98800, "incomeThresholds": {"veryLow50pct": 49400, "low80pct": 79040, "hpBorrowerEligibility": 79040}, "ami2024": 95800, "amiChangeYoY": 3000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19029", "countyName": "Cass", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 93600, "incomeThresholds": {"veryLow50pct": 46800, "low80pct": 74880, "hpBorrowerEligibility": 74880}, "ami2024": 88600, "amiChangeYoY": 5000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19031", "countyName": "Cedar", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 99900, "amiChangeYoY": 4500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19033", "countyName": "Cerro Gordo", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 91200, "amiChangeYoY": 3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19035", "countyName": "Cherokee", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 95800, "amiChangeYoY": 2400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19037", "countyName": "Chickasaw", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 94200, "incomeThresholds": {"veryLow50pct": 47100, "low80pct": 75360, "hpBorrowerEligibility": 75360}, "ami2024": 88100, "amiChangeYoY": 6100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19039", "countyName": "Clarke", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19041", "countyName": "Clay", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 99600, "incomeThresholds": {"veryLow50pct": 49800, "low80pct": 79680, "hpBorrowerEligibility": 79680}, "ami2024": 89600, "amiChangeYoY": 10000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19043", "countyName": "Clayton", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19045", "countyName": "Clinton", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 86700, "amiChangeYoY": 6400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19047", "countyName": "Crawford", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19049", "countyName": "Dallas", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19051", "countyName": "Davis", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 99700, "incomeThresholds": {"veryLow50pct": 49850, "low80pct": 79760, "hpBorrowerEligibility": 79760}, "ami2024": 95000, "amiChangeYoY": 4700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19053", "countyName": "Decatur", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19055", "countyName": "Delaware", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 96900, "incomeThresholds": {"veryLow50pct": 48450, "low80pct": 77520, "hpBorrowerEligibility": 77520}, "ami2024": 96200, "amiChangeYoY": 700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19057", "countyName": "Des Moines", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19059", "countyName": "Dickinson", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 102200, "amiChangeYoY": 8300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19061", "countyName": "Dubuque", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 106000, "amiChangeYoY": -3300, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19063", "countyName": "Emmet", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19065", "countyName": "Fayette", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19067", "countyName": "Floyd", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 92300, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19069", "countyName": "Franklin", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19071", "countyName": "Fremont", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 96000, "incomeThresholds": {"veryLow50pct": 48000, "low80pct": 76800, "hpBorrowerEligibility": 76800}, "ami2024": 89000, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19073", "countyName": "Greene", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19075", "countyName": "Grundy", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92400, "incomeThresholds": {"veryLow50pct": 46200, "low80pct": 73920, "hpBorrowerEligibility": 73920}, "ami2024": 90000, "amiChangeYoY": 2400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19077", "countyName": "Guthrie", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19079", "countyName": "Hamilton", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 95700, "incomeThresholds": {"veryLow50pct": 47850, "low80pct": 76560, "hpBorrowerEligibility": 76560}, "ami2024": 86700, "amiChangeYoY": 9000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19081", "countyName": "Hancock", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 87300, "amiChangeYoY": 4700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19083", "countyName": "Hardin", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19085", "countyName": "Harrison", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19087", "countyName": "Henry", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19089", "countyName": "Howard", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19091", "countyName": "Humboldt", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19093", "countyName": "Ida", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19095", "countyName": "Iowa", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 95900, "amiChangeYoY": 4200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19097", "countyName": "Jackson", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 95100, "incomeThresholds": {"veryLow50pct": 47550, "low80pct": 76080, "hpBorrowerEligibility": 76080}, "ami2024": 90900, "amiChangeYoY": 4200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19099", "countyName": "Jasper", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19101", "countyName": "Jefferson", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19103", "countyName": "Johnson", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 109900, "amiChangeYoY": 3200, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19105", "countyName": "Jones", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 101700, "amiChangeYoY": 1300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19107", "countyName": "Keokuk", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19109", "countyName": "Kossuth", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 93200, "incomeThresholds": {"veryLow50pct": 46600, "low80pct": 74560, "hpBorrowerEligibility": 74560}, "ami2024": 86700, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19111", "countyName": "Lee", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19113", "countyName": "Linn", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 101700, "amiChangeYoY": 1300, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19115", "countyName": "Louisa", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 89000, "amiChangeYoY": 7100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19117", "countyName": "Lucas", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19119", "countyName": "Lyon", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91500, "amiChangeYoY": 3700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19121", "countyName": "Madison", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19123", "countyName": "Mahaska", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19125", "countyName": "Marion", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 105500, "incomeThresholds": {"veryLow50pct": 52750, "low80pct": 84400, "hpBorrowerEligibility": 84400}, "ami2024": 95800, "amiChangeYoY": 9700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19127", "countyName": "Marshall", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 91000, "amiChangeYoY": 3800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19129", "countyName": "Mills", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19131", "countyName": "Mitchell", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 95400, "incomeThresholds": {"veryLow50pct": 47700, "low80pct": 76320, "hpBorrowerEligibility": 76320}, "ami2024": 94200, "amiChangeYoY": 1200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19133", "countyName": "Monona", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19135", "countyName": "Monroe", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 95400, "amiChangeYoY": -3400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19137", "countyName": "Montgomery", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19139", "countyName": "Muscatine", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 87100, "amiChangeYoY": 8200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19141", "countyName": "O'brien", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 101000, "incomeThresholds": {"veryLow50pct": 50500, "low80pct": 80800, "hpBorrowerEligibility": 80800}, "ami2024": 95400, "amiChangeYoY": 5600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19143", "countyName": "Osceola", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19145", "countyName": "Page", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19147", "countyName": "Palo Alto", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 91300, "amiChangeYoY": 10700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19149", "countyName": "Plymouth", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 99900, "amiChangeYoY": 1800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19151", "countyName": "Pocahontas", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 87100, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19153", "countyName": "Polk", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 112, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19155", "countyName": "Pottawattamie", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19157", "countyName": "Poweshiek", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 95700, "amiChangeYoY": 3200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19159", "countyName": "Ringgold", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 94700, "incomeThresholds": {"veryLow50pct": 47350, "low80pct": 75760, "hpBorrowerEligibility": 75760}, "ami2024": 89800, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19161", "countyName": "Sac", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 92500, "amiChangeYoY": 1800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19163", "countyName": "Scott", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 89500, "amiChangeYoY": 9400, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19165", "countyName": "Shelby", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 97700, "incomeThresholds": {"veryLow50pct": 48850, "low80pct": 78160, "hpBorrowerEligibility": 78160}, "ami2024": 95600, "amiChangeYoY": 2100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19167", "countyName": "Sioux", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 109600, "incomeThresholds": {"veryLow50pct": 54800, "low80pct": 87680, "hpBorrowerEligibility": 87680}, "ami2024": 101600, "amiChangeYoY": 8000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19169", "countyName": "Story", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 118100, "incomeThresholds": {"veryLow50pct": 59050, "low80pct": 94480, "hpBorrowerEligibility": 94480}, "ami2024": 112600, "amiChangeYoY": 5500, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19171", "countyName": "Tama", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19173", "countyName": "Taylor", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19175", "countyName": "Union", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19177", "countyName": "Van Buren", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19179", "countyName": "Wapello", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19181", "countyName": "Warren", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 111800, "amiChangeYoY": 1500, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19183", "countyName": "Washington", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 109900, "amiChangeYoY": 3200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19185", "countyName": "Wayne", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19187", "countyName": "Webster", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 96300, "incomeThresholds": {"veryLow50pct": 48150, "low80pct": 77040, "hpBorrowerEligibility": 77040}, "ami2024": 87800, "amiChangeYoY": 8500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19189", "countyName": "Winnebago", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 91400, "amiChangeYoY": 600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19191", "countyName": "Winneshiek", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 104900, "incomeThresholds": {"veryLow50pct": 52450, "low80pct": 83920, "hpBorrowerEligibility": 83920}, "ami2024": 93500, "amiChangeYoY": 11400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19193", "countyName": "Woodbury", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 90100, "incomeThresholds": {"veryLow50pct": 45050, "low80pct": 72080, "hpBorrowerEligibility": 72080}, "ami2024": 92500, "amiChangeYoY": -2400, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19195", "countyName": "Worth", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 103500, "incomeThresholds": {"veryLow50pct": 51750, "low80pct": 82800, "hpBorrowerEligibility": 82800}, "ami2024": 93200, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "19197", "countyName": "Wright", "state": "IA", "stateName": "Iowa", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86700, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20001", "countyName": "Allen", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20003", "countyName": "Anderson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 84000, "amiChangeYoY": 1100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20005", "countyName": "Atchison", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91400, "incomeThresholds": {"veryLow50pct": 45700, "low80pct": 73120, "hpBorrowerEligibility": 73120}, "ami2024": 82700, "amiChangeYoY": 8700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20007", "countyName": "Barber", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20009", "countyName": "Barton", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20011", "countyName": "Bourbon", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91000, "incomeThresholds": {"veryLow50pct": 45500, "low80pct": 72800, "hpBorrowerEligibility": 72800}, "ami2024": 82700, "amiChangeYoY": 8300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20013", "countyName": "Brown", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20015", "countyName": "Butler", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 91200, "amiChangeYoY": 2300, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20017", "countyName": "Chase", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20019", "countyName": "Chautauqua", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20021", "countyName": "Cherokee", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 72600, "amiChangeYoY": 4700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20023", "countyName": "Cheyenne", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20025", "countyName": "Clark", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 82700, "amiChangeYoY": 2400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20027", "countyName": "Clay", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20029", "countyName": "Cloud", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20031", "countyName": "Coffey", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 92700, "incomeThresholds": {"veryLow50pct": 46350, "low80pct": 74160, "hpBorrowerEligibility": 74160}, "ami2024": 90400, "amiChangeYoY": 2300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20033", "countyName": "Comanche", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 89800, "amiChangeYoY": -5700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20035", "countyName": "Cowley", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20037", "countyName": "Crawford", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20039", "countyName": "Decatur", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20041", "countyName": "Dickinson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83200, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20043", "countyName": "Doniphan", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 81500, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20045", "countyName": "Douglas", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 103500, "incomeThresholds": {"veryLow50pct": 51750, "low80pct": 82800, "hpBorrowerEligibility": 82800}, "ami2024": 102000, "amiChangeYoY": 1500, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20047", "countyName": "Edwards", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 82700, "amiChangeYoY": 2000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20049", "countyName": "Elk", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20051", "countyName": "Ellis", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 91800, "amiChangeYoY": 3500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20053", "countyName": "Ellsworth", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 94000, "incomeThresholds": {"veryLow50pct": 47000, "low80pct": 75200, "hpBorrowerEligibility": 75200}, "ami2024": 83700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20055", "countyName": "Finney", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 93400, "incomeThresholds": {"veryLow50pct": 46700, "low80pct": 74720, "hpBorrowerEligibility": 74720}, "ami2024": 87700, "amiChangeYoY": 5700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20057", "countyName": "Ford", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 87900, "incomeThresholds": {"veryLow50pct": 43950, "low80pct": 70320, "hpBorrowerEligibility": 70320}, "ami2024": 83300, "amiChangeYoY": 4600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20059", "countyName": "Franklin", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 89000, "amiChangeYoY": 7200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20061", "countyName": "Geary", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 85700, "amiChangeYoY": -1900, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20063", "countyName": "Gove", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 89600, "incomeThresholds": {"veryLow50pct": 44800, "low80pct": 71680, "hpBorrowerEligibility": 71680}, "ami2024": 83700, "amiChangeYoY": 5900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20065", "countyName": "Graham", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20067", "countyName": "Grant", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 92800, "amiChangeYoY": -1100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20069", "countyName": "Gray", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 94500, "amiChangeYoY": 6100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20071", "countyName": "Greeley", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 90000, "incomeThresholds": {"veryLow50pct": 45000, "low80pct": 72000, "hpBorrowerEligibility": 72000}, "ami2024": 82700, "amiChangeYoY": 7300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20073", "countyName": "Greenwood", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20075", "countyName": "Hamilton", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20077", "countyName": "Harper", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20079", "countyName": "Harvey", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 91200, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20081", "countyName": "Haskell", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 97400, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20083", "countyName": "Hodgeman", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 88300, "amiChangeYoY": 2200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20085", "countyName": "Jackson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99100, "incomeThresholds": {"veryLow50pct": 49550, "low80pct": 79280, "hpBorrowerEligibility": 79280}, "ami2024": 87300, "amiChangeYoY": 11800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20087", "countyName": "Jefferson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99100, "incomeThresholds": {"veryLow50pct": 49550, "low80pct": 79280, "hpBorrowerEligibility": 79280}, "ami2024": 87300, "amiChangeYoY": 11800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20089", "countyName": "Jewell", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20091", "countyName": "Johnson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 154, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20093", "countyName": "Kearny", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20095", "countyName": "Kingman", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20097", "countyName": "Kiowa", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 82700, "amiChangeYoY": 9800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20099", "countyName": "Labette", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20101", "countyName": "Lane", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91800, "incomeThresholds": {"veryLow50pct": 45900, "low80pct": 73440, "hpBorrowerEligibility": 73440}, "ami2024": 88900, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20103", "countyName": "Leavenworth", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20105", "countyName": "Lincoln", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20107", "countyName": "Linn", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20109", "countyName": "Logan", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91900, "incomeThresholds": {"veryLow50pct": 45950, "low80pct": 73520, "hpBorrowerEligibility": 73520}, "ami2024": 89800, "amiChangeYoY": 2100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20111", "countyName": "Lyon", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20115", "countyName": "Marion", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 86200, "incomeThresholds": {"veryLow50pct": 43100, "low80pct": 68960, "hpBorrowerEligibility": 68960}, "ami2024": 82700, "amiChangeYoY": 3500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20117", "countyName": "Marshall", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 90600, "incomeThresholds": {"veryLow50pct": 45300, "low80pct": 72480, "hpBorrowerEligibility": 72480}, "ami2024": 84700, "amiChangeYoY": 5900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20113", "countyName": "Mcpherson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 100500, "incomeThresholds": {"veryLow50pct": 50250, "low80pct": 80400, "hpBorrowerEligibility": 80400}, "ami2024": 93600, "amiChangeYoY": 6900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20119", "countyName": "Meade", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 97900, "incomeThresholds": {"veryLow50pct": 48950, "low80pct": 78320, "hpBorrowerEligibility": 78320}, "ami2024": 94500, "amiChangeYoY": 3400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20121", "countyName": "Miami", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20123", "countyName": "Mitchell", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 83100, "amiChangeYoY": 1000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20125", "countyName": "Montgomery", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20127", "countyName": "Morris", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20129", "countyName": "Morton", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 85400, "amiChangeYoY": 4500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20131", "countyName": "Nemaha", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 101700, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20133", "countyName": "Neosho", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 82700, "amiChangeYoY": 2000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20135", "countyName": "Ness", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 96700, "amiChangeYoY": 2600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20137", "countyName": "Norton", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20139", "countyName": "Osage", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99100, "incomeThresholds": {"veryLow50pct": 49550, "low80pct": 79280, "hpBorrowerEligibility": 79280}, "ami2024": 87300, "amiChangeYoY": 11800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20141", "countyName": "Osborne", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 87000, "incomeThresholds": {"veryLow50pct": 43500, "low80pct": 69600, "hpBorrowerEligibility": 69600}, "ami2024": 82700, "amiChangeYoY": 4300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20143", "countyName": "Ottawa", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 96000, "incomeThresholds": {"veryLow50pct": 48000, "low80pct": 76800, "hpBorrowerEligibility": 76800}, "ami2024": 91900, "amiChangeYoY": 4100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20145", "countyName": "Pawnee", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 100500, "incomeThresholds": {"veryLow50pct": 50250, "low80pct": 80400, "hpBorrowerEligibility": 80400}, "ami2024": 87200, "amiChangeYoY": 13300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20147", "countyName": "Phillips", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 82700, "amiChangeYoY": 2700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20149", "countyName": "Pottawatomie", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 85700, "amiChangeYoY": -1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20151", "countyName": "Pratt", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 84000, "amiChangeYoY": 3500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20153", "countyName": "Rawlins", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20155", "countyName": "Reno", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 82700, "amiChangeYoY": 2000, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20157", "countyName": "Republic", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20159", "countyName": "Rice", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20161", "countyName": "Riley", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 85700, "amiChangeYoY": -1900, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20163", "countyName": "Rooks", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 88500, "amiChangeYoY": 0, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20165", "countyName": "Rush", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20167", "countyName": "Russell", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20169", "countyName": "Saline", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 91900, "incomeThresholds": {"veryLow50pct": 45950, "low80pct": 73520, "hpBorrowerEligibility": 73520}, "ami2024": 85200, "amiChangeYoY": 6700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20171", "countyName": "Scott", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20173", "countyName": "Sedgwick", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 91200, "amiChangeYoY": 2300, "totalCensusTracts": 135, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20175", "countyName": "Seward", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20177", "countyName": "Shawnee", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99100, "incomeThresholds": {"veryLow50pct": 49550, "low80pct": 79280, "hpBorrowerEligibility": 79280}, "ami2024": 87300, "amiChangeYoY": 11800, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20179", "countyName": "Sheridan", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111500, "incomeThresholds": {"veryLow50pct": 55750, "low80pct": 89200, "hpBorrowerEligibility": 89200}, "ami2024": 107200, "amiChangeYoY": 4300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20181", "countyName": "Sherman", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20183", "countyName": "Smith", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 82700, "amiChangeYoY": 7800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20185", "countyName": "Stafford", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 90000, "incomeThresholds": {"veryLow50pct": 45000, "low80pct": 72000, "hpBorrowerEligibility": 72000}, "ami2024": 84800, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20187", "countyName": "Stanton", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20189", "countyName": "Stevens", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 83300, "amiChangeYoY": 800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20191", "countyName": "Sumner", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 91200, "amiChangeYoY": 2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20193", "countyName": "Thomas", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 104800, "incomeThresholds": {"veryLow50pct": 52400, "low80pct": 83840, "hpBorrowerEligibility": 83840}, "ami2024": 97400, "amiChangeYoY": 7400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20195", "countyName": "Trego", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 95100, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20197", "countyName": "Wabaunsee", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 99100, "incomeThresholds": {"veryLow50pct": 49550, "low80pct": 79280, "hpBorrowerEligibility": 79280}, "ami2024": 87300, "amiChangeYoY": 11800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20199", "countyName": "Wallace", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 84200, "amiChangeYoY": 1200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20201", "countyName": "Washington", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 85600, "incomeThresholds": {"veryLow50pct": 42800, "low80pct": 68480, "hpBorrowerEligibility": 68480}, "ami2024": 82700, "amiChangeYoY": 2900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20203", "countyName": "Wichita", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 93500, "amiChangeYoY": 2600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20205", "countyName": "Wilson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20207", "countyName": "Woodson", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 82700, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "20209", "countyName": "Wyandotte", "state": "KS", "stateName": "Kansas", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 64, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21001", "countyName": "Adair", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21003", "countyName": "Allen", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 82500, "amiChangeYoY": 100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21005", "countyName": "Anderson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 88600, "amiChangeYoY": 4200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21007", "countyName": "Ballard", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 79900, "amiChangeYoY": 8400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21009", "countyName": "Barren", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21011", "countyName": "Bath", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 75100, "incomeThresholds": {"veryLow50pct": 37550, "low80pct": 60080, "hpBorrowerEligibility": 60080}, "ami2024": 65600, "amiChangeYoY": 9500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21013", "countyName": "Bell", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21015", "countyName": "Boone", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21017", "countyName": "Bourbon", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21019", "countyName": "Boyd", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21021", "countyName": "Boyle", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 75500, "amiChangeYoY": 8900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21023", "countyName": "Bracken", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21025", "countyName": "Breathitt", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21027", "countyName": "Breckinridge", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 76500, "incomeThresholds": {"veryLow50pct": 38250, "low80pct": 61200, "hpBorrowerEligibility": 61200}, "ami2024": 68700, "amiChangeYoY": 7800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21029", "countyName": "Bullitt", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21031", "countyName": "Butler", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 82500, "amiChangeYoY": 100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21033", "countyName": "Caldwell", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 65600, "amiChangeYoY": 16800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21035", "countyName": "Calloway", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 84300, "incomeThresholds": {"veryLow50pct": 42150, "low80pct": 67440, "hpBorrowerEligibility": 67440}, "ami2024": 79000, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21037", "countyName": "Campbell", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21039", "countyName": "Carlisle", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 70300, "amiChangeYoY": 18000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21041", "countyName": "Carroll", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 80000, "incomeThresholds": {"veryLow50pct": 40000, "low80pct": 64000, "hpBorrowerEligibility": 64000}, "ami2024": 65600, "amiChangeYoY": 14400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21043", "countyName": "Carter", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21045", "countyName": "Casey", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21047", "countyName": "Christian", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 85000, "amiChangeYoY": 4500, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21049", "countyName": "Clark", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21051", "countyName": "Clay", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21053", "countyName": "Clinton", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21055", "countyName": "Crittenden", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82300, "incomeThresholds": {"veryLow50pct": 41150, "low80pct": 65840, "hpBorrowerEligibility": 65840}, "ami2024": 79900, "amiChangeYoY": 2400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21057", "countyName": "Cumberland", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21059", "countyName": "Daviess", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 86200, "incomeThresholds": {"veryLow50pct": 43100, "low80pct": 68960, "hpBorrowerEligibility": 68960}, "ami2024": 82600, "amiChangeYoY": 3600, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21061", "countyName": "Edmonson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 82500, "amiChangeYoY": 100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21063", "countyName": "Elliott", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 66100, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21065", "countyName": "Estill", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21067", "countyName": "Fayette", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 82, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21069", "countyName": "Fleming", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21071", "countyName": "Floyd", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21073", "countyName": "Franklin", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 92400, "incomeThresholds": {"veryLow50pct": 46200, "low80pct": 73920, "hpBorrowerEligibility": 73920}, "ami2024": 84300, "amiChangeYoY": 8100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21075", "countyName": "Fulton", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21077", "countyName": "Gallatin", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21079", "countyName": "Garrard", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 76200, "incomeThresholds": {"veryLow50pct": 38100, "low80pct": 60960, "hpBorrowerEligibility": 60960}, "ami2024": 72600, "amiChangeYoY": 3600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21081", "countyName": "Grant", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21083", "countyName": "Graves", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 70600, "amiChangeYoY": 300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21085", "countyName": "Grayson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21087", "countyName": "Green", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21089", "countyName": "Greenup", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21091", "countyName": "Hancock", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 82600, "amiChangeYoY": 2500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21093", "countyName": "Hardin", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 79000, "amiChangeYoY": 1200, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21095", "countyName": "Harlan", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21097", "countyName": "Harrison", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 77600, "amiChangeYoY": 7100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21099", "countyName": "Hart", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21101", "countyName": "Henderson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 80900, "incomeThresholds": {"veryLow50pct": 40450, "low80pct": 64720, "hpBorrowerEligibility": 64720}, "ami2024": 81400, "amiChangeYoY": -500, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21103", "countyName": "Henry", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21105", "countyName": "Hickman", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 82800, "amiChangeYoY": 5700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21107", "countyName": "Hopkins", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 75100, "incomeThresholds": {"veryLow50pct": 37550, "low80pct": 60080, "hpBorrowerEligibility": 60080}, "ami2024": 69000, "amiChangeYoY": 6100, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21109", "countyName": "Jackson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21111", "countyName": "Jefferson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 216, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21113", "countyName": "Jessamine", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21115", "countyName": "Johnson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21117", "countyName": "Kenton", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21119", "countyName": "Knott", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21121", "countyName": "Knox", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21123", "countyName": "Larue", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 79000, "amiChangeYoY": 1200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21125", "countyName": "Laurel", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 72500, "incomeThresholds": {"veryLow50pct": 36250, "low80pct": 58000, "hpBorrowerEligibility": 58000}, "ami2024": 66100, "amiChangeYoY": 6400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21127", "countyName": "Lawrence", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 59800, "amiChangeYoY": 20000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21129", "countyName": "Lee", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21131", "countyName": "Leslie", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21133", "countyName": "Letcher", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21135", "countyName": "Lewis", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21137", "countyName": "Lincoln", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21139", "countyName": "Livingston", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 71700, "amiChangeYoY": 16600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21141", "countyName": "Logan", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 75300, "amiChangeYoY": 6600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21143", "countyName": "Lyon", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 90100, "incomeThresholds": {"veryLow50pct": 45050, "low80pct": 72080, "hpBorrowerEligibility": 72080}, "ami2024": 85000, "amiChangeYoY": 5100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21151", "countyName": "Madison", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88400, "incomeThresholds": {"veryLow50pct": 44200, "low80pct": 70720, "hpBorrowerEligibility": 70720}, "ami2024": 84300, "amiChangeYoY": 4100, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21153", "countyName": "Magoffin", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21155", "countyName": "Marion", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 73900, "incomeThresholds": {"veryLow50pct": 36950, "low80pct": 59120, "hpBorrowerEligibility": 59120}, "ami2024": 71400, "amiChangeYoY": 2500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21157", "countyName": "Marshall", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 84200, "incomeThresholds": {"veryLow50pct": 42100, "low80pct": 67360, "hpBorrowerEligibility": 67360}, "ami2024": 82200, "amiChangeYoY": 2000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21159", "countyName": "Martin", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21161", "countyName": "Mason", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 71600, "incomeThresholds": {"veryLow50pct": 35800, "low80pct": 57280, "hpBorrowerEligibility": 57280}, "ami2024": 68800, "amiChangeYoY": 2800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21145", "countyName": "Mccracken", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 97600, "amiChangeYoY": -9300, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21147", "countyName": "Mccreary", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21149", "countyName": "Mclean", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 86200, "incomeThresholds": {"veryLow50pct": 43100, "low80pct": 68960, "hpBorrowerEligibility": 68960}, "ami2024": 82600, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21163", "countyName": "Meade", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 79000, "amiChangeYoY": 15300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21165", "countyName": "Menifee", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21167", "countyName": "Mercer", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 90900, "incomeThresholds": {"veryLow50pct": 45450, "low80pct": 72720, "hpBorrowerEligibility": 72720}, "ami2024": 83700, "amiChangeYoY": 7200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21169", "countyName": "Metcalfe", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21171", "countyName": "Monroe", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21173", "countyName": "Montgomery", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 72100, "amiChangeYoY": 7000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21175", "countyName": "Morgan", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21177", "countyName": "Muhlenberg", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 75800, "incomeThresholds": {"veryLow50pct": 37900, "low80pct": 60640, "hpBorrowerEligibility": 60640}, "ami2024": 73400, "amiChangeYoY": 2400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21179", "countyName": "Nelson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 86200, "amiChangeYoY": 8100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21181", "countyName": "Nicholas", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 73600, "incomeThresholds": {"veryLow50pct": 36800, "low80pct": 58880, "hpBorrowerEligibility": 58880}, "ami2024": 69800, "amiChangeYoY": 3800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21183", "countyName": "Ohio", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21185", "countyName": "Oldham", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21187", "countyName": "Owen", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 79200, "amiChangeYoY": 6000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21189", "countyName": "Owsley", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21191", "countyName": "Pendleton", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21193", "countyName": "Perry", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21195", "countyName": "Pike", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21197", "countyName": "Powell", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 76800, "incomeThresholds": {"veryLow50pct": 38400, "low80pct": 61440, "hpBorrowerEligibility": 61440}, "ami2024": 71800, "amiChangeYoY": 5000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21199", "countyName": "Pulaski", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 72300, "incomeThresholds": {"veryLow50pct": 36150, "low80pct": 57840, "hpBorrowerEligibility": 57840}, "ami2024": 65600, "amiChangeYoY": 6700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21201", "countyName": "Robertson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 71800, "amiChangeYoY": -900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21203", "countyName": "Rockcastle", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21205", "countyName": "Rowan", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 78400, "incomeThresholds": {"veryLow50pct": 39200, "low80pct": 62720, "hpBorrowerEligibility": 62720}, "ami2024": 70200, "amiChangeYoY": 8200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21207", "countyName": "Russell", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 72300, "incomeThresholds": {"veryLow50pct": 36150, "low80pct": 57840, "hpBorrowerEligibility": 57840}, "ami2024": 68200, "amiChangeYoY": 4100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21209", "countyName": "Scott", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21211", "countyName": "Shelby", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21213", "countyName": "Simpson", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 72500, "amiChangeYoY": 5100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21215", "countyName": "Spencer", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 95900, "amiChangeYoY": -1600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21217", "countyName": "Taylor", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 85800, "incomeThresholds": {"veryLow50pct": 42900, "low80pct": 68640, "hpBorrowerEligibility": 68640}, "ami2024": 81300, "amiChangeYoY": 4500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21219", "countyName": "Todd", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 76900, "incomeThresholds": {"veryLow50pct": 38450, "low80pct": 61520, "hpBorrowerEligibility": 61520}, "ami2024": 73200, "amiChangeYoY": 3700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21221", "countyName": "Trigg", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 85000, "amiChangeYoY": 4500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21223", "countyName": "Trimble", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 79200, "amiChangeYoY": 3400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21225", "countyName": "Union", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 76500, "incomeThresholds": {"veryLow50pct": 38250, "low80pct": 61200, "hpBorrowerEligibility": 61200}, "ami2024": 70300, "amiChangeYoY": 6200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21227", "countyName": "Warren", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 82500, "amiChangeYoY": 100, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21229", "countyName": "Washington", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 91400, "amiChangeYoY": -2400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21231", "countyName": "Wayne", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21233", "countyName": "Webster", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 71800, "incomeThresholds": {"veryLow50pct": 35900, "low80pct": 57440, "hpBorrowerEligibility": 57440}, "ami2024": 67700, "amiChangeYoY": 4100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21235", "countyName": "Whitley", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21237", "countyName": "Wolfe", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 65600, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "21239", "countyName": "Woodford", "state": "KY", "stateName": "Kentucky", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 95200, "amiChangeYoY": 7200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22001", "countyName": "Acadia Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74800, "amiChangeYoY": 4700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22003", "countyName": "Allen Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 65600, "amiChangeYoY": 400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22005", "countyName": "Ascension\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22007", "countyName": "Assumption\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22009", "countyName": "Avoyelles\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22011", "countyName": "Beauregard\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 87600, "amiChangeYoY": -2600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22013", "countyName": "Bienville Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22015", "countyName": "Bossier Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 75200, "amiChangeYoY": 6500, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22017", "countyName": "Caddo Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 75200, "amiChangeYoY": 6500, "totalCensusTracts": 74, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22019", "countyName": "Calcasieu\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 79000, "amiChangeYoY": 11300, "totalCensusTracts": 56, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22021", "countyName": "Caldwell Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 71500, "amiChangeYoY": 15300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22023", "countyName": "Cameron\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 79000, "amiChangeYoY": 11300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22025", "countyName": "Catahoula\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 67700, "amiChangeYoY": -1700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22027", "countyName": "Claiborne\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22029", "countyName": "Concordia\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22031", "countyName": "De Soto Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 75200, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22033", "countyName": "East Baton\nRouge Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 108, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22035", "countyName": "East Carroll\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22037", "countyName": "East Feliciana\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22039", "countyName": "Evangeline\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22041", "countyName": "Franklin Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22043", "countyName": "Grant Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 78000, "incomeThresholds": {"veryLow50pct": 39000, "low80pct": 62400, "hpBorrowerEligibility": 62400}, "ami2024": 74200, "amiChangeYoY": 3800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22045", "countyName": "Iberia Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 75500, "incomeThresholds": {"veryLow50pct": 37750, "low80pct": 60400, "hpBorrowerEligibility": 60400}, "ami2024": 74800, "amiChangeYoY": 700, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22047", "countyName": "Iberville Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22049", "countyName": "Jackson Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22053", "countyName": "Jefferson Davis\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 76000, "amiChangeYoY": 14300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22051", "countyName": "Jefferson\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 128, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22059", "countyName": "La Salle Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 79100, "amiChangeYoY": 13100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22055", "countyName": "Lafayette\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74800, "amiChangeYoY": 4700, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22057", "countyName": "Lafourche\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 75700, "incomeThresholds": {"veryLow50pct": 37850, "low80pct": 60560, "hpBorrowerEligibility": 60560}, "ami2024": 79600, "amiChangeYoY": -3900, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22061", "countyName": "Lincoln Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62200, "amiChangeYoY": 8600, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22063", "countyName": "Livingston\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22065", "countyName": "Madison Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22067", "countyName": "Morehouse\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 64200, "amiChangeYoY": 5100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22069", "countyName": "Natchitoches\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 65400, "amiChangeYoY": 7200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22071", "countyName": "Orleans Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 184, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22073", "countyName": "Ouachita\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 64200, "amiChangeYoY": 5100, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22075", "countyName": "Plaquemines\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22077", "countyName": "Pointe Coupee\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22079", "countyName": "Rapides Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 78000, "incomeThresholds": {"veryLow50pct": 39000, "low80pct": 62400, "hpBorrowerEligibility": 62400}, "ami2024": 74200, "amiChangeYoY": 3800, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22081", "countyName": "Red River\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 60400, "amiChangeYoY": 5600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22083", "countyName": "Richland\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 59700, "amiChangeYoY": 9600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22085", "countyName": "Sabine Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 68600, "incomeThresholds": {"veryLow50pct": 34300, "low80pct": 54880, "hpBorrowerEligibility": 54880}, "ami2024": 61400, "amiChangeYoY": 7200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22087", "countyName": "St. Bernard\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22089", "countyName": "St. Charles\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22091", "countyName": "St. Helena\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22093", "countyName": "St. James\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22095", "countyName": "St. John The\nBaptist Pari", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 87100, "amiChangeYoY": 2700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22097", "countyName": "St. Landry\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22099", "countyName": "St. Martin\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74800, "amiChangeYoY": 4700, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22101", "countyName": "St. Mary Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 70600, "incomeThresholds": {"veryLow50pct": 35300, "low80pct": 56480, "hpBorrowerEligibility": 56480}, "ami2024": 67000, "amiChangeYoY": 3600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22103", "countyName": "St. Tammany\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 98000, "incomeThresholds": {"veryLow50pct": 49000, "low80pct": 78400, "hpBorrowerEligibility": 78400}, "ami2024": 87100, "amiChangeYoY": 10900, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22105", "countyName": "Tangipahoa\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 80400, "incomeThresholds": {"veryLow50pct": 40200, "low80pct": 64320, "hpBorrowerEligibility": 64320}, "ami2024": 76300, "amiChangeYoY": 4100, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22107", "countyName": "Tensas Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22109", "countyName": "Terrebonne\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 75700, "incomeThresholds": {"veryLow50pct": 37850, "low80pct": 60560, "hpBorrowerEligibility": 60560}, "ami2024": 79600, "amiChangeYoY": -3900, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22111", "countyName": "Union Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 64200, "amiChangeYoY": 5100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22113", "countyName": "Vermilion\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74800, "amiChangeYoY": 4700, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22115", "countyName": "Vernon Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 71800, "incomeThresholds": {"veryLow50pct": 35900, "low80pct": 57440, "hpBorrowerEligibility": 57440}, "ami2024": 69400, "amiChangeYoY": 2400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22117", "countyName": "Washington\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22119", "countyName": "Webster Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 66000, "incomeThresholds": {"veryLow50pct": 33000, "low80pct": 52800, "hpBorrowerEligibility": 52800}, "ami2024": 59400, "amiChangeYoY": 6600, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22121", "countyName": "West Baton\nRouge Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22123", "countyName": "West Carroll\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 77000, "incomeThresholds": {"veryLow50pct": 38500, "low80pct": 61600, "hpBorrowerEligibility": 61600}, "ami2024": 67300, "amiChangeYoY": 9700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22125", "countyName": "West Feliciana\nParish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 86800, "amiChangeYoY": 4000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "22127", "countyName": "Winn Parish", "state": "LA", "stateName": "Louisiana", "isHighCost": false, "ami2025": 68000, "incomeThresholds": {"veryLow50pct": 34000, "low80pct": 54400, "hpBorrowerEligibility": 54400}, "ami2024": 61100, "amiChangeYoY": 6900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23001", "countyName": "Androscoggin", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 77500, "amiChangeYoY": 7900, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23003", "countyName": "Aroostook", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82400, "amiChangeYoY": 2600, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23005", "countyName": "Cumberland", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 121400, "incomeThresholds": {"veryLow50pct": 60700, "low80pct": 97120, "hpBorrowerEligibility": 97120}, "ami2024": 112500, "amiChangeYoY": 8900, "totalCensusTracts": 81, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23007", "countyName": "Franklin", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 86400, "incomeThresholds": {"veryLow50pct": 43200, "low80pct": 69120, "hpBorrowerEligibility": 69120}, "ami2024": 82400, "amiChangeYoY": 4000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23009", "countyName": "Hancock", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 96600, "incomeThresholds": {"veryLow50pct": 48300, "low80pct": 77280, "hpBorrowerEligibility": 77280}, "ami2024": 88300, "amiChangeYoY": 8300, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23011", "countyName": "Kennebec", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 87000, "amiChangeYoY": 300, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23013", "countyName": "Knox", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 93200, "amiChangeYoY": 7000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23015", "countyName": "Lincoln", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 98700, "incomeThresholds": {"veryLow50pct": 49350, "low80pct": 78960, "hpBorrowerEligibility": 78960}, "ami2024": 94900, "amiChangeYoY": 3800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23017", "countyName": "Oxford", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82400, "amiChangeYoY": 2600, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23019", "countyName": "Penobscot", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 87900, "amiChangeYoY": 7700, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23021", "countyName": "Piscataquis", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82400, "amiChangeYoY": 2600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23023", "countyName": "Sagadahoc", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 121400, "incomeThresholds": {"veryLow50pct": 60700, "low80pct": 97120, "hpBorrowerEligibility": 97120}, "ami2024": 112500, "amiChangeYoY": 8900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23025", "countyName": "Somerset", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82400, "amiChangeYoY": 2600, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23027", "countyName": "Waldo", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 88700, "incomeThresholds": {"veryLow50pct": 44350, "low80pct": 70960, "hpBorrowerEligibility": 70960}, "ami2024": 82400, "amiChangeYoY": 6300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23029", "countyName": "Washington", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82400, "amiChangeYoY": 2600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "23031", "countyName": "York", "state": "ME", "stateName": "Maine", "isHighCost": false, "ami2025": 121400, "incomeThresholds": {"veryLow50pct": 60700, "low80pct": 97120, "hpBorrowerEligibility": 97120}, "ami2024": 112500, "amiChangeYoY": 8900, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24001", "countyName": "Allegany", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 85000, "amiChangeYoY": 8700, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24003", "countyName": "Anne\nArundel", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 130, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24005", "countyName": "Baltimore", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 219, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24510", "countyName": "Baltimore\nCity", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 199, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24009", "countyName": "Calvert", "state": "MD", "stateName": "Maryland", "isHighCost": true, "ami2025": 145200, "incomeThresholds": {"veryLow50pct": 72600, "low80pct": 116160, "hpBorrowerEligibility": 116160}, "ami2024": 152900, "amiChangeYoY": -7700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24011", "countyName": "Caroline", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 85000, "amiChangeYoY": 8700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24013", "countyName": "Carroll", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24015", "countyName": "Cecil", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24017", "countyName": "Charles", "state": "MD", "stateName": "Maryland", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24019", "countyName": "Dorchester", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 85000, "amiChangeYoY": 8700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24021", "countyName": "Frederick", "state": "MD", "stateName": "Maryland", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 65, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24023", "countyName": "Garrett", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 86600, "amiChangeYoY": 7100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24025", "countyName": "Harford", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24027", "countyName": "Howard", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24029", "countyName": "Kent", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 113000, "incomeThresholds": {"veryLow50pct": 56500, "low80pct": 90400, "hpBorrowerEligibility": 90400}, "ami2024": 109700, "amiChangeYoY": 3300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24031", "countyName": "Montgomery", "state": "MD", "stateName": "Maryland", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 232, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24033", "countyName": "Prince\nGeorge's", "state": "MD", "stateName": "Maryland", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 214, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24035", "countyName": "Queen\nAnne's", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 130300, "incomeThresholds": {"veryLow50pct": 65150, "low80pct": 104240, "hpBorrowerEligibility": 104240}, "ami2024": 122200, "amiChangeYoY": 8100, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24039", "countyName": "Somerset", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 100600, "amiChangeYoY": -10700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24037", "countyName": "St. Mary's", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 145200, "incomeThresholds": {"veryLow50pct": 72600, "low80pct": 116160, "hpBorrowerEligibility": 116160}, "ami2024": 143900, "amiChangeYoY": 1300, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24041", "countyName": "Talbot", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 115000, "incomeThresholds": {"veryLow50pct": 57500, "low80pct": 92000, "hpBorrowerEligibility": 92000}, "ami2024": 106500, "amiChangeYoY": 8500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24043", "countyName": "Washington", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 95400, "incomeThresholds": {"veryLow50pct": 47700, "low80pct": 76320, "hpBorrowerEligibility": 76320}, "ami2024": 84200, "amiChangeYoY": 11200, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24045", "countyName": "Wicomico", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 100600, "amiChangeYoY": -10700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "24047", "countyName": "Worcester", "state": "MD", "stateName": "Maryland", "isHighCost": false, "ami2025": 111000, "incomeThresholds": {"veryLow50pct": 55500, "low80pct": 88800, "hpBorrowerEligibility": 88800}, "ami2024": 100600, "amiChangeYoY": 10400, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25001", "countyName": "Barnstable", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 122700, "amiChangeYoY": 1400, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25003", "countyName": "Berkshire", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 101900, "incomeThresholds": {"veryLow50pct": 50950, "low80pct": 81520, "hpBorrowerEligibility": 81520}, "ami2024": 101900, "amiChangeYoY": 0, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25005", "countyName": "Bristol", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 131, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25007", "countyName": "Dukes", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 153300, "incomeThresholds": {"veryLow50pct": 76650, "low80pct": 122640, "hpBorrowerEligibility": 122640}, "ami2024": 137500, "amiChangeYoY": 15800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25009", "countyName": "Essex", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 174, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25011", "countyName": "Franklin", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 137500, "amiChangeYoY": -12800, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25013", "countyName": "Hampden", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 96500, "amiChangeYoY": -300, "totalCensusTracts": 104, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25015", "countyName": "Hampshire", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 119000, "incomeThresholds": {"veryLow50pct": 59500, "low80pct": 95200, "hpBorrowerEligibility": 95200}, "ami2024": 96500, "amiChangeYoY": 22500, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25017", "countyName": "Middlesex", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 357, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25019", "countyName": "Nantucket", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 163500, "incomeThresholds": {"veryLow50pct": 81750, "low80pct": 130800, "hpBorrowerEligibility": 130800}, "ami2024": 153100, "amiChangeYoY": 10400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25021", "countyName": "Norfolk", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 154, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25023", "countyName": "Plymouth", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 111, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25025", "countyName": "Suffolk", "state": "MA", "stateName": "Massachusetts", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 235, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "25027", "countyName": "Worcester", "state": "MA", "stateName": "Massachusetts", "isHighCost": false, "ami2025": 122700, "incomeThresholds": {"veryLow50pct": 61350, "low80pct": 98160, "hpBorrowerEligibility": 98160}, "ami2024": 111400, "amiChangeYoY": 11300, "totalCensusTracts": 191, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26001", "countyName": "Alcona", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26003", "countyName": "Alger", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26005", "countyName": "Allegan", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103300, "incomeThresholds": {"veryLow50pct": 51650, "low80pct": 82640, "hpBorrowerEligibility": 82640}, "ami2024": 92200, "amiChangeYoY": 11100, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26007", "countyName": "Alpena", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26009", "countyName": "Antrim", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 93400, "incomeThresholds": {"veryLow50pct": 46700, "low80pct": 74720, "hpBorrowerEligibility": 74720}, "ami2024": 90500, "amiChangeYoY": 2900, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26011", "countyName": "Arenac", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26013", "countyName": "Baraga", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26015", "countyName": "Barry", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 97500, "amiChangeYoY": 6400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26017", "countyName": "Bay", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 79700, "amiChangeYoY": 4000, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26019", "countyName": "Benzie", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 90300, "amiChangeYoY": 10900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26021", "countyName": "Berrien", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 87200, "incomeThresholds": {"veryLow50pct": 43600, "low80pct": 69760, "hpBorrowerEligibility": 69760}, "ami2024": 85700, "amiChangeYoY": 1500, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26023", "countyName": "Branch", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 82300, "incomeThresholds": {"veryLow50pct": 41150, "low80pct": 65840, "hpBorrowerEligibility": 65840}, "ami2024": 79600, "amiChangeYoY": 2700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26025", "countyName": "Calhoun", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 80100, "incomeThresholds": {"veryLow50pct": 40050, "low80pct": 64080, "hpBorrowerEligibility": 64080}, "ami2024": 77200, "amiChangeYoY": 2900, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26027", "countyName": "Cass", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 88800, "incomeThresholds": {"veryLow50pct": 44400, "low80pct": 71040, "hpBorrowerEligibility": 71040}, "ami2024": 87300, "amiChangeYoY": 1500, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26029", "countyName": "Charlevoix", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 99700, "incomeThresholds": {"veryLow50pct": 49850, "low80pct": 79760, "hpBorrowerEligibility": 79760}, "ami2024": 91900, "amiChangeYoY": 7800, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26031", "countyName": "Cheboygan", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26033", "countyName": "Chippewa", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 85900, "incomeThresholds": {"veryLow50pct": 42950, "low80pct": 68720, "hpBorrowerEligibility": 68720}, "ami2024": 81000, "amiChangeYoY": 4900, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26035", "countyName": "Clare", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26037", "countyName": "Clinton", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 91100, "amiChangeYoY": 10600, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26039", "countyName": "Crawford", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26041", "countyName": "Delta", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26043", "countyName": "Dickinson", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 83100, "incomeThresholds": {"veryLow50pct": 41550, "low80pct": 66480, "hpBorrowerEligibility": 66480}, "ami2024": 79800, "amiChangeYoY": 3300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26045", "countyName": "Eaton", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 91100, "amiChangeYoY": 10600, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26047", "countyName": "Emmet", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 90000, "amiChangeYoY": 7600, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26049", "countyName": "Genesee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 78300, "amiChangeYoY": 4700, "totalCensusTracts": 134, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26051", "countyName": "Gladwin", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26053", "countyName": "Gogebic", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26055", "countyName": "Grand\nTraverse", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 99800, "amiChangeYoY": 1400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26057", "countyName": "Gratiot", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26059", "countyName": "Hillsdale", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26061", "countyName": "Houghton", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 82000, "amiChangeYoY": 6200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26063", "countyName": "Huron", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26065", "countyName": "Ingham", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 91100, "amiChangeYoY": 10600, "totalCensusTracts": 84, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26067", "countyName": "Ionia", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 98500, "amiChangeYoY": 5400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26069", "countyName": "Iosco", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26071", "countyName": "Iron", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26073", "countyName": "Isabella", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26075", "countyName": "Jackson", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 84300, "incomeThresholds": {"veryLow50pct": 42150, "low80pct": 67440, "hpBorrowerEligibility": 67440}, "ami2024": 84300, "amiChangeYoY": 0, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26077", "countyName": "Kalamazoo", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 95800, "incomeThresholds": {"veryLow50pct": 47900, "low80pct": 76640, "hpBorrowerEligibility": 76640}, "ami2024": 102500, "amiChangeYoY": -6700, "totalCensusTracts": 68, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26079", "countyName": "Kalkaska", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 75100, "amiChangeYoY": 26100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26081", "countyName": "Kent", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 98500, "amiChangeYoY": 5400, "totalCensusTracts": 145, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26083", "countyName": "Keweenaw", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 90100, "incomeThresholds": {"veryLow50pct": 45050, "low80pct": 72080, "hpBorrowerEligibility": 72080}, "ami2024": 89900, "amiChangeYoY": 200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26085", "countyName": "Lake", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26087", "countyName": "Lapeer", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26089", "countyName": "Leelanau", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 101200, "incomeThresholds": {"veryLow50pct": 50600, "low80pct": 80960, "hpBorrowerEligibility": 80960}, "ami2024": 107700, "amiChangeYoY": -6500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26091", "countyName": "Lenawee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 84300, "incomeThresholds": {"veryLow50pct": 42150, "low80pct": 67440, "hpBorrowerEligibility": 67440}, "ami2024": 86400, "amiChangeYoY": -2100, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26093", "countyName": "Livingston", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 60, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26095", "countyName": "Luce", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26097", "countyName": "Mackinac", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26099", "countyName": "Macomb", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 244, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26101", "countyName": "Manistee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 80000, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26103", "countyName": "Marquette", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 87200, "incomeThresholds": {"veryLow50pct": 43600, "low80pct": 69760, "hpBorrowerEligibility": 69760}, "ami2024": 86900, "amiChangeYoY": 300, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26105", "countyName": "Mason", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 81300, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26107", "countyName": "Mecosta", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26109", "countyName": "Menominee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 79600, "amiChangeYoY": 3400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26111", "countyName": "Midland", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103300, "incomeThresholds": {"veryLow50pct": 51650, "low80pct": 82640, "hpBorrowerEligibility": 82640}, "ami2024": 105900, "amiChangeYoY": -2600, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26113", "countyName": "Missaukee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26115", "countyName": "Monroe", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 91500, "incomeThresholds": {"veryLow50pct": 45750, "low80pct": 73200, "hpBorrowerEligibility": 73200}, "ami2024": 96500, "amiChangeYoY": -5000, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26117", "countyName": "Montcalm", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 98500, "amiChangeYoY": 5400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26119", "countyName": "Montmorency", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26121", "countyName": "Muskegon", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 82000, "incomeThresholds": {"veryLow50pct": 41000, "low80pct": 65600, "hpBorrowerEligibility": 65600}, "ami2024": 73900, "amiChangeYoY": 8100, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26123", "countyName": "Newaygo", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26125", "countyName": "Oakland", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 350, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26127", "countyName": "Oceana", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26129", "countyName": "Ogemaw", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26131", "countyName": "Ontonagon", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26133", "countyName": "Osceola", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26135", "countyName": "Oscoda", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26137", "countyName": "Otsego", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 85100, "amiChangeYoY": 5400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26139", "countyName": "Ottawa", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 98500, "amiChangeYoY": 5400, "totalCensusTracts": 65, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26141", "countyName": "Presque Isle", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26143", "countyName": "Roscommon", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26145", "countyName": "Saginaw", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 74800, "amiChangeYoY": 5800, "totalCensusTracts": 61, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26151", "countyName": "Sanilac", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26153", "countyName": "Schoolcraft", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26155", "countyName": "Shiawassee", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 91100, "amiChangeYoY": -4500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26147", "countyName": "St. Clair", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 51, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26149", "countyName": "St. Joseph", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 79600, "amiChangeYoY": 4500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26157", "countyName": "Tuscola", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 79600, "amiChangeYoY": 2300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26159", "countyName": "Van Buren", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 79600, "amiChangeYoY": 7700, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26161", "countyName": "Washtenaw", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 125900, "incomeThresholds": {"veryLow50pct": 62950, "low80pct": 100720, "hpBorrowerEligibility": 100720}, "ami2024": 119500, "amiChangeYoY": 6400, "totalCensusTracts": 107, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26163", "countyName": "Wayne", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 102700, "incomeThresholds": {"veryLow50pct": 51350, "low80pct": 82160, "hpBorrowerEligibility": 82160}, "ami2024": 97300, "amiChangeYoY": 5400, "totalCensusTracts": 627, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "26165", "countyName": "Wexford", "state": "MI", "stateName": "Michigan", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 79600, "amiChangeYoY": 4400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27001", "countyName": "Aitkin", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27003", "countyName": "Anoka", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 90, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27005", "countyName": "Becker", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 91700, "amiChangeYoY": 5800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27007", "countyName": "Beltrami", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27009", "countyName": "Benton", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 97800, "amiChangeYoY": 5400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27011", "countyName": "Big Stone", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27013", "countyName": "Blue Earth", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 100600, "amiChangeYoY": 4100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27015", "countyName": "Brown", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 96600, "incomeThresholds": {"veryLow50pct": 48300, "low80pct": 77280, "hpBorrowerEligibility": 77280}, "ami2024": 93200, "amiChangeYoY": 3400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27017", "countyName": "Carlton", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 95600, "amiChangeYoY": 5000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27019", "countyName": "Carver", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27021", "countyName": "Cass", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27023", "countyName": "Chippewa", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100500, "incomeThresholds": {"veryLow50pct": 50250, "low80pct": 80400, "hpBorrowerEligibility": 80400}, "ami2024": 91600, "amiChangeYoY": 8900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27025", "countyName": "Chisago", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27027", "countyName": "Clay", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 117500, "incomeThresholds": {"veryLow50pct": 58750, "low80pct": 94000, "hpBorrowerEligibility": 94000}, "ami2024": 105900, "amiChangeYoY": 11600, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27029", "countyName": "Clearwater", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27031", "countyName": "Cook", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 97000, "amiChangeYoY": -1800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27033", "countyName": "Cottonwood", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27035", "countyName": "Crow Wing", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 106500, "incomeThresholds": {"veryLow50pct": 53250, "low80pct": 85200, "hpBorrowerEligibility": 85200}, "ami2024": 91600, "amiChangeYoY": 14900, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27037", "countyName": "Dakota", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 106, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27039", "countyName": "Dodge", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 120300, "incomeThresholds": {"veryLow50pct": 60150, "low80pct": 96240, "hpBorrowerEligibility": 96240}, "ami2024": 112700, "amiChangeYoY": 7600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27041", "countyName": "Douglas", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 105200, "incomeThresholds": {"veryLow50pct": 52600, "low80pct": 84160, "hpBorrowerEligibility": 84160}, "ami2024": 97100, "amiChangeYoY": 8100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27043", "countyName": "Faribault", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27045", "countyName": "Fillmore", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 120300, "incomeThresholds": {"veryLow50pct": 60150, "low80pct": 96240, "hpBorrowerEligibility": 96240}, "ami2024": 112700, "amiChangeYoY": 7600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27047", "countyName": "Freeborn", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27049", "countyName": "Goodhue", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 113200, "incomeThresholds": {"veryLow50pct": 56600, "low80pct": 90560, "hpBorrowerEligibility": 90560}, "ami2024": 106700, "amiChangeYoY": 6500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27051", "countyName": "Grant", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27053", "countyName": "Hennepin", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 329, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27055", "countyName": "Houston", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 105300, "incomeThresholds": {"veryLow50pct": 52650, "low80pct": 84240, "hpBorrowerEligibility": 84240}, "ami2024": 98400, "amiChangeYoY": 6900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27057", "countyName": "Hubbard", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27059", "countyName": "Isanti", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27061", "countyName": "Itasca", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27063", "countyName": "Jackson", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27065", "countyName": "Kanabec", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27067", "countyName": "Kandiyohi", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100800, "incomeThresholds": {"veryLow50pct": 50400, "low80pct": 80640, "hpBorrowerEligibility": 80640}, "ami2024": 95100, "amiChangeYoY": 5700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27069", "countyName": "Kittson", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 102100, "incomeThresholds": {"veryLow50pct": 51050, "low80pct": 81680, "hpBorrowerEligibility": 81680}, "ami2024": 97000, "amiChangeYoY": 5100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27071", "countyName": "Koochiching", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27073", "countyName": "Lac Qui Parle", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 91600, "amiChangeYoY": 8300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27075", "countyName": "Lake", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 101100, "incomeThresholds": {"veryLow50pct": 50550, "low80pct": 80880, "hpBorrowerEligibility": 80880}, "ami2024": 95600, "amiChangeYoY": 5500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27077", "countyName": "Lake Of The\nWoods", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 96400, "incomeThresholds": {"veryLow50pct": 48200, "low80pct": 77120, "hpBorrowerEligibility": 77120}, "ami2024": 91600, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27079", "countyName": "Le Sueur", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27081", "countyName": "Lincoln", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27083", "countyName": "Lyon", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 101500, "incomeThresholds": {"veryLow50pct": 50750, "low80pct": 81200, "hpBorrowerEligibility": 81200}, "ami2024": 91600, "amiChangeYoY": 9900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27087", "countyName": "Mahnomen", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27089", "countyName": "Marshall", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 98600, "amiChangeYoY": 900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27091", "countyName": "Martin", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27085", "countyName": "Mcleod", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 108900, "incomeThresholds": {"veryLow50pct": 54450, "low80pct": 87120, "hpBorrowerEligibility": 87120}, "ami2024": 102500, "amiChangeYoY": 6400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27093", "countyName": "Meeker", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 103400, "incomeThresholds": {"veryLow50pct": 51700, "low80pct": 82720, "hpBorrowerEligibility": 82720}, "ami2024": 98700, "amiChangeYoY": 4700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27095", "countyName": "Mille Lacs", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27097", "countyName": "Morrison", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27099", "countyName": "Mower", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 92700, "amiChangeYoY": 5800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27101", "countyName": "Murray", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100900, "incomeThresholds": {"veryLow50pct": 50450, "low80pct": 80720, "hpBorrowerEligibility": 80720}, "ami2024": 97600, "amiChangeYoY": 3300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27103", "countyName": "Nicollet", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 100600, "amiChangeYoY": 4100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27105", "countyName": "Nobles", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27107", "countyName": "Norman", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100500, "incomeThresholds": {"veryLow50pct": 50250, "low80pct": 80400, "hpBorrowerEligibility": 80400}, "ami2024": 97300, "amiChangeYoY": 3200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27109", "countyName": "Olmsted", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 120300, "incomeThresholds": {"veryLow50pct": 60150, "low80pct": 96240, "hpBorrowerEligibility": 96240}, "ami2024": 112700, "amiChangeYoY": 7600, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27111", "countyName": "Otter Tail", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 93000, "amiChangeYoY": 7100, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27113", "countyName": "Pennington", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 107500, "incomeThresholds": {"veryLow50pct": 53750, "low80pct": 86000, "hpBorrowerEligibility": 86000}, "ami2024": 97700, "amiChangeYoY": 9800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27115", "countyName": "Pine", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27117", "countyName": "Pipestone", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27119", "countyName": "Polk", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 104300, "amiChangeYoY": -1500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27121", "countyName": "Pope", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 104000, "incomeThresholds": {"veryLow50pct": 52000, "low80pct": 83200, "hpBorrowerEligibility": 83200}, "ami2024": 100200, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27123", "countyName": "Ramsey", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 143, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27125", "countyName": "Red Lake", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 99500, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27127", "countyName": "Redwood", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27129", "countyName": "Renville", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 91600, "amiChangeYoY": 3700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27131", "countyName": "Rice", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 107700, "incomeThresholds": {"veryLow50pct": 53850, "low80pct": 86160, "hpBorrowerEligibility": 86160}, "ami2024": 100900, "amiChangeYoY": 6800, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27133", "countyName": "Rock", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 111800, "incomeThresholds": {"veryLow50pct": 55900, "low80pct": 89440, "hpBorrowerEligibility": 89440}, "ami2024": 100300, "amiChangeYoY": 11500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27135", "countyName": "Roseau", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 91600, "amiChangeYoY": 4600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27139", "countyName": "Scott", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27141", "countyName": "Sherburne", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27143", "countyName": "Sibley", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 97900, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27137", "countyName": "St. Louis", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 95600, "amiChangeYoY": 5000, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27145", "countyName": "Stearns", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 97800, "amiChangeYoY": 5400, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27147", "countyName": "Steele", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 114800, "incomeThresholds": {"veryLow50pct": 57400, "low80pct": 91840, "hpBorrowerEligibility": 91840}, "ami2024": 108800, "amiChangeYoY": 6000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27149", "countyName": "Stevens", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 101000, "amiChangeYoY": 2000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27151", "countyName": "Swift", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27153", "countyName": "Todd", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27155", "countyName": "Traverse", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 95000, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27157", "countyName": "Wabasha", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 120300, "incomeThresholds": {"veryLow50pct": 60150, "low80pct": 96240, "hpBorrowerEligibility": 96240}, "ami2024": 112700, "amiChangeYoY": 7600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27159", "countyName": "Wadena", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27161", "countyName": "Waseca", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 95100, "amiChangeYoY": 1100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27163", "countyName": "Washington", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 59, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27165", "countyName": "Watonwan", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27167", "countyName": "Wilkin", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 100700, "incomeThresholds": {"veryLow50pct": 50350, "low80pct": 80560, "hpBorrowerEligibility": 80560}, "ami2024": 93500, "amiChangeYoY": 7200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27169", "countyName": "Winona", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 105700, "incomeThresholds": {"veryLow50pct": 52850, "low80pct": 84560, "hpBorrowerEligibility": 84560}, "ami2024": 98200, "amiChangeYoY": 7500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27171", "countyName": "Wright", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "27173", "countyName": "Yellow\nMedicine", "state": "MN", "stateName": "Minnesota", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 91600, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28001", "countyName": "Adams", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28003", "countyName": "Alcorn", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 64200, "amiChangeYoY": 6700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28005", "countyName": "Amite", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28007", "countyName": "Attala", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28009", "countyName": "Benton", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 56400, "amiChangeYoY": 34100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28011", "countyName": "Bolivar", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28013", "countyName": "Calhoun", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28015", "countyName": "Carroll", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 79200, "incomeThresholds": {"veryLow50pct": 39600, "low80pct": 63360, "hpBorrowerEligibility": 63360}, "ami2024": 70400, "amiChangeYoY": 8800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28017", "countyName": "Chickasaw", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28019", "countyName": "Choctaw", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28021", "countyName": "Claiborne", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28023", "countyName": "Clarke", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28025", "countyName": "Clay", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28027", "countyName": "Coahoma", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28029", "countyName": "Copiah", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28031", "countyName": "Covington", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 72200, "amiChangeYoY": -3100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28033", "countyName": "Desoto", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28035", "countyName": "Forrest", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 72200, "amiChangeYoY": 9000, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28037", "countyName": "Franklin", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28039", "countyName": "George", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 72900, "incomeThresholds": {"veryLow50pct": 36450, "low80pct": 58320, "hpBorrowerEligibility": 58320}, "ami2024": 67000, "amiChangeYoY": 5900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28041", "countyName": "Greene", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 76700, "incomeThresholds": {"veryLow50pct": 38350, "low80pct": 61360, "hpBorrowerEligibility": 61360}, "ami2024": 67600, "amiChangeYoY": 9100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28043", "countyName": "Grenada", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 66800, "amiChangeYoY": 2300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28045", "countyName": "Hancock", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 86300, "incomeThresholds": {"veryLow50pct": 43150, "low80pct": 69040, "hpBorrowerEligibility": 69040}, "ami2024": 76800, "amiChangeYoY": 9500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28047", "countyName": "Harrison", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 86300, "incomeThresholds": {"veryLow50pct": 43150, "low80pct": 69040, "hpBorrowerEligibility": 69040}, "ami2024": 76800, "amiChangeYoY": 9500, "totalCensusTracts": 82, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28049", "countyName": "Hinds", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 67, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28051", "countyName": "Holmes", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28053", "countyName": "Humphreys", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28055", "countyName": "Issaquena", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 70400, "incomeThresholds": {"veryLow50pct": 35200, "low80pct": 56320, "hpBorrowerEligibility": 56320}, "ami2024": 67000, "amiChangeYoY": 3400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28057", "countyName": "Itawamba", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 72900, "amiChangeYoY": 15400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28059", "countyName": "Jackson", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 86300, "incomeThresholds": {"veryLow50pct": 43150, "low80pct": 69040, "hpBorrowerEligibility": 69040}, "ami2024": 76800, "amiChangeYoY": 9500, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28061", "countyName": "Jasper", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28063", "countyName": "Jefferson", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28065", "countyName": "Jefferson\nDavis", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28067", "countyName": "Jones", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 74100, "amiChangeYoY": 1500, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28069", "countyName": "Kemper", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28071", "countyName": "Lafayette", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 83700, "amiChangeYoY": 8300, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28073", "countyName": "Lamar", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 72200, "amiChangeYoY": 9000, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28075", "countyName": "Lauderdale", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 76300, "incomeThresholds": {"veryLow50pct": 38150, "low80pct": 61040, "hpBorrowerEligibility": 61040}, "ami2024": 73000, "amiChangeYoY": 3300, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28077", "countyName": "Lawrence", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28079", "countyName": "Leake", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28081", "countyName": "Lee", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 95900, "incomeThresholds": {"veryLow50pct": 47950, "low80pct": 76720, "hpBorrowerEligibility": 76720}, "ami2024": 84100, "amiChangeYoY": 11800, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28083", "countyName": "Leflore", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28085", "countyName": "Lincoln", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 75800, "incomeThresholds": {"veryLow50pct": 37900, "low80pct": 60640, "hpBorrowerEligibility": 60640}, "ami2024": 68400, "amiChangeYoY": 7400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28087", "countyName": "Lowndes", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 79700, "incomeThresholds": {"veryLow50pct": 39850, "low80pct": 63760, "hpBorrowerEligibility": 63760}, "ami2024": 79600, "amiChangeYoY": 100, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28089", "countyName": "Madison", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28091", "countyName": "Marion", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28093", "countyName": "Marshall", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28095", "countyName": "Monroe", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 72600, "incomeThresholds": {"veryLow50pct": 36300, "low80pct": 58080, "hpBorrowerEligibility": 58080}, "ami2024": 68900, "amiChangeYoY": 3700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28097", "countyName": "Montgomery", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28099", "countyName": "Neshoba", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28101", "countyName": "Newton", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 70300, "incomeThresholds": {"veryLow50pct": 35150, "low80pct": 56240, "hpBorrowerEligibility": 56240}, "ami2024": 65800, "amiChangeYoY": 4500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28103", "countyName": "Noxubee", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28105", "countyName": "Oktibbeha", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 81800, "incomeThresholds": {"veryLow50pct": 40900, "low80pct": 65440, "hpBorrowerEligibility": 65440}, "ami2024": 80800, "amiChangeYoY": 1000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28107", "countyName": "Panola", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64700, "amiChangeYoY": 4400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28109", "countyName": "Pearl River", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 78300, "incomeThresholds": {"veryLow50pct": 39150, "low80pct": 62640, "hpBorrowerEligibility": 62640}, "ami2024": 72000, "amiChangeYoY": 6300, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28111", "countyName": "Perry", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 72200, "amiChangeYoY": 9000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28113", "countyName": "Pike", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28115", "countyName": "Pontotoc", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 77000, "incomeThresholds": {"veryLow50pct": 38500, "low80pct": 61600, "hpBorrowerEligibility": 61600}, "ami2024": 74400, "amiChangeYoY": 2600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28117", "countyName": "Prentiss", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 70700, "incomeThresholds": {"veryLow50pct": 35350, "low80pct": 56560, "hpBorrowerEligibility": 56560}, "ami2024": 71000, "amiChangeYoY": -300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28119", "countyName": "Quitman", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28121", "countyName": "Rankin", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28123", "countyName": "Scott", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 58800, "amiChangeYoY": 26700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28125", "countyName": "Sharkey", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28127", "countyName": "Simpson", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28129", "countyName": "Smith", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 74100, "incomeThresholds": {"veryLow50pct": 37050, "low80pct": 59280, "hpBorrowerEligibility": 59280}, "ami2024": 74400, "amiChangeYoY": -300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28131", "countyName": "Stone", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 86300, "incomeThresholds": {"veryLow50pct": 43150, "low80pct": 69040, "hpBorrowerEligibility": 69040}, "ami2024": 76800, "amiChangeYoY": 9500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28133", "countyName": "Sunflower", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28135", "countyName": "Tallahatchie", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28137", "countyName": "Tate", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28139", "countyName": "Tippah", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28141", "countyName": "Tishomingo", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 77500, "incomeThresholds": {"veryLow50pct": 38750, "low80pct": 62000, "hpBorrowerEligibility": 62000}, "ami2024": 72100, "amiChangeYoY": 5400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28143", "countyName": "Tunica", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28145", "countyName": "Union", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 78800, "incomeThresholds": {"veryLow50pct": 39400, "low80pct": 63040, "hpBorrowerEligibility": 63040}, "ami2024": 77200, "amiChangeYoY": 1600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28147", "countyName": "Walthall", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69500, "incomeThresholds": {"veryLow50pct": 34750, "low80pct": 55600, "hpBorrowerEligibility": 55600}, "ami2024": 64300, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28149", "countyName": "Warren", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 79800, "amiChangeYoY": 3800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28151", "countyName": "Washington", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28153", "countyName": "Wayne", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28155", "countyName": "Webster", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 79200, "incomeThresholds": {"veryLow50pct": 39600, "low80pct": 63360, "hpBorrowerEligibility": 63360}, "ami2024": 75800, "amiChangeYoY": 3400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28157", "countyName": "Wilkinson", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28159", "countyName": "Winston", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28161", "countyName": "Yalobusha", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 69100, "incomeThresholds": {"veryLow50pct": 34550, "low80pct": 55280, "hpBorrowerEligibility": 55280}, "ami2024": 64200, "amiChangeYoY": 4900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "28163", "countyName": "Yazoo", "state": "MS", "stateName": "Mississippi", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 80100, "amiChangeYoY": 5400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29001", "countyName": "Adair", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 77600, "amiChangeYoY": 7300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29003", "countyName": "Andrew", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 81500, "amiChangeYoY": 1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29005", "countyName": "Atchison", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 71000, "amiChangeYoY": 6100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29007", "countyName": "Audrain", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29009", "countyName": "Barry", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 71500, "amiChangeYoY": 5600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29011", "countyName": "Barton", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29013", "countyName": "Bates", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29015", "countyName": "Benton", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29017", "countyName": "Bollinger", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 83100, "amiChangeYoY": 15000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29019", "countyName": "Boone", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 106400, "incomeThresholds": {"veryLow50pct": 53200, "low80pct": 85120, "hpBorrowerEligibility": 85120}, "ami2024": 97000, "amiChangeYoY": 9400, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29021", "countyName": "Buchanan", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 81500, "amiChangeYoY": 1900, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29023", "countyName": "Butler", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29025", "countyName": "Caldwell", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29027", "countyName": "Callaway", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 95800, "incomeThresholds": {"veryLow50pct": 47900, "low80pct": 76640, "hpBorrowerEligibility": 76640}, "ami2024": 100500, "amiChangeYoY": -4700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29029", "countyName": "Camden", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 86400, "incomeThresholds": {"veryLow50pct": 43200, "low80pct": 69120, "hpBorrowerEligibility": 69120}, "ami2024": 81700, "amiChangeYoY": 4700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29031", "countyName": "Cape\nGirardeau", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 98100, "incomeThresholds": {"veryLow50pct": 49050, "low80pct": 78480, "hpBorrowerEligibility": 78480}, "ami2024": 83100, "amiChangeYoY": 15000, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29033", "countyName": "Carroll", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 82500, "incomeThresholds": {"veryLow50pct": 41250, "low80pct": 66000, "hpBorrowerEligibility": 66000}, "ami2024": 77900, "amiChangeYoY": 4600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29035", "countyName": "Carter", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 85700, "incomeThresholds": {"veryLow50pct": 42850, "low80pct": 68560, "hpBorrowerEligibility": 68560}, "ami2024": 82100, "amiChangeYoY": 3600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29037", "countyName": "Cass", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29039", "countyName": "Cedar", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29041", "countyName": "Chariton", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 82000, "incomeThresholds": {"veryLow50pct": 41000, "low80pct": 65600, "hpBorrowerEligibility": 65600}, "ami2024": 78900, "amiChangeYoY": 3100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29043", "countyName": "Christian", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 80500, "amiChangeYoY": 8900, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29045", "countyName": "Clark", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 73500, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29047", "countyName": "Clay", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29049", "countyName": "Clinton", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29051", "countyName": "Cole", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 95800, "incomeThresholds": {"veryLow50pct": 47900, "low80pct": 76640, "hpBorrowerEligibility": 76640}, "ami2024": 100500, "amiChangeYoY": -4700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29053", "countyName": "Cooper", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 106400, "incomeThresholds": {"veryLow50pct": 53200, "low80pct": 85120, "hpBorrowerEligibility": 85120}, "ami2024": 97000, "amiChangeYoY": 9400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29055", "countyName": "Crawford [Use Sheet with Tract Indicators]", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29057", "countyName": "Dade", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29059", "countyName": "Dallas", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 80500, "amiChangeYoY": 8900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29061", "countyName": "Daviess", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 78300, "incomeThresholds": {"veryLow50pct": 39150, "low80pct": 62640, "hpBorrowerEligibility": 62640}, "ami2024": 74100, "amiChangeYoY": 4200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29063", "countyName": "Dekalb", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 81500, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29065", "countyName": "Dent", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29067", "countyName": "Douglas", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29069", "countyName": "Dunklin", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29071", "countyName": "Franklin", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29073", "countyName": "Gasconade", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 81600, "incomeThresholds": {"veryLow50pct": 40800, "low80pct": 65280, "hpBorrowerEligibility": 65280}, "ami2024": 82400, "amiChangeYoY": -800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29075", "countyName": "Gentry", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 80800, "incomeThresholds": {"veryLow50pct": 40400, "low80pct": 64640, "hpBorrowerEligibility": 64640}, "ami2024": 76400, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29077", "countyName": "Greene", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 80500, "amiChangeYoY": 8900, "totalCensusTracts": 78, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29079", "countyName": "Grundy", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29081", "countyName": "Harrison", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29083", "countyName": "Henry", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 71700, "amiChangeYoY": 5400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29085", "countyName": "Hickory", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29087", "countyName": "Holt", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 78600, "incomeThresholds": {"veryLow50pct": 39300, "low80pct": 62880, "hpBorrowerEligibility": 62880}, "ami2024": 74500, "amiChangeYoY": 4100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29089", "countyName": "Howard", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 106400, "incomeThresholds": {"veryLow50pct": 53200, "low80pct": 85120, "hpBorrowerEligibility": 85120}, "ami2024": 97000, "amiChangeYoY": 9400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29091", "countyName": "Howell", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29093", "countyName": "Iron", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 73800, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29095", "countyName": "Jackson", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 227, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29097", "countyName": "Jasper", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 73300, "amiChangeYoY": 4000, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29099", "countyName": "Jefferson", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 49, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29101", "countyName": "Johnson", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 86000, "amiChangeYoY": 5700, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29103", "countyName": "Knox", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 74800, "amiChangeYoY": 2300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29105", "countyName": "Laclede", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29107", "countyName": "Lafayette", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29109", "countyName": "Lawrence", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 73700, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29111", "countyName": "Lewis", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 82400, "incomeThresholds": {"veryLow50pct": 41200, "low80pct": 65920, "hpBorrowerEligibility": 65920}, "ami2024": 71100, "amiChangeYoY": 11300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29113", "countyName": "Lincoln", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29115", "countyName": "Linn", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74100, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29117", "countyName": "Livingston", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 84500, "incomeThresholds": {"veryLow50pct": 42250, "low80pct": 67600, "hpBorrowerEligibility": 67600}, "ami2024": 80400, "amiChangeYoY": 4100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29121", "countyName": "Macon", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 80000, "incomeThresholds": {"veryLow50pct": 40000, "low80pct": 64000, "hpBorrowerEligibility": 64000}, "ami2024": 73700, "amiChangeYoY": 6300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29123", "countyName": "Madison", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 72400, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29125", "countyName": "Maries", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 82500, "incomeThresholds": {"veryLow50pct": 41250, "low80pct": 66000, "hpBorrowerEligibility": 66000}, "ami2024": 79300, "amiChangeYoY": 3200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29127", "countyName": "Marion", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 81100, "amiChangeYoY": 2500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29119", "countyName": "Mcdonald", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29129", "countyName": "Mercer", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 81600, "amiChangeYoY": -4500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29131", "countyName": "Miller", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 77100, "amiChangeYoY": 6700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29133", "countyName": "Mississippi", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29135", "countyName": "Moniteau", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 95800, "incomeThresholds": {"veryLow50pct": 47900, "low80pct": 76640, "hpBorrowerEligibility": 76640}, "ami2024": 100500, "amiChangeYoY": -4700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29137", "countyName": "Monroe", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 78600, "incomeThresholds": {"veryLow50pct": 39300, "low80pct": 62880, "hpBorrowerEligibility": 62880}, "ami2024": 73600, "amiChangeYoY": 5000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29139", "countyName": "Montgomery", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 80100, "incomeThresholds": {"veryLow50pct": 40050, "low80pct": 64080, "hpBorrowerEligibility": 64080}, "ami2024": 79300, "amiChangeYoY": 800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29141", "countyName": "Morgan", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29143", "countyName": "New Madrid", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29145", "countyName": "Newton", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 73300, "amiChangeYoY": 4000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29147", "countyName": "Nodaway", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 81600, "amiChangeYoY": 5500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29149", "countyName": "Oregon", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29151", "countyName": "Osage", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 95800, "incomeThresholds": {"veryLow50pct": 47900, "low80pct": 76640, "hpBorrowerEligibility": 76640}, "ami2024": 100500, "amiChangeYoY": -4700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29153", "countyName": "Ozark", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29155", "countyName": "Pemiscot", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29157", "countyName": "Perry", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 87900, "incomeThresholds": {"veryLow50pct": 43950, "low80pct": 70320, "hpBorrowerEligibility": 70320}, "ami2024": 83000, "amiChangeYoY": 4900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29159", "countyName": "Pettis", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 78800, "incomeThresholds": {"veryLow50pct": 39400, "low80pct": 63040, "hpBorrowerEligibility": 63040}, "ami2024": 72600, "amiChangeYoY": 6200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29161", "countyName": "Phelps", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77500, "incomeThresholds": {"veryLow50pct": 38750, "low80pct": 62000, "hpBorrowerEligibility": 62000}, "ami2024": 73700, "amiChangeYoY": 3800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29163", "countyName": "Pike", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 79900, "amiChangeYoY": 7200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29165", "countyName": "Platte", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29167", "countyName": "Polk", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 80500, "amiChangeYoY": 8900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29169", "countyName": "Pulaski", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 80800, "amiChangeYoY": 8300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29171", "countyName": "Putnam", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 73200, "amiChangeYoY": 7400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29173", "countyName": "Ralls", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83700, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29175", "countyName": "Randolph", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 71800, "amiChangeYoY": 5500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29177", "countyName": "Ray", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 103000, "amiChangeYoY": 8100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29179", "countyName": "Reynolds", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29181", "countyName": "Ripley", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29195", "countyName": "Saline", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 81000, "amiChangeYoY": 4500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29197", "countyName": "Schuyler", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29199", "countyName": "Scotland", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 72000, "amiChangeYoY": 11800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29201", "countyName": "Scott", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 78700, "incomeThresholds": {"veryLow50pct": 39350, "low80pct": 62960, "hpBorrowerEligibility": 62960}, "ami2024": 70600, "amiChangeYoY": 8100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29203", "countyName": "Shannon", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29205", "countyName": "Shelby", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29183", "countyName": "St. Charles", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 85, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29185", "countyName": "St. Clair", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29187", "countyName": "St. Francois", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29189", "countyName": "St. Louis", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 236, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29510", "countyName": "St. Louis City", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 104, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29186", "countyName": "Ste.\nGenevieve", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 88200, "amiChangeYoY": 4600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29207", "countyName": "Stoddard", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 71400, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29209", "countyName": "Stone", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77400, "incomeThresholds": {"veryLow50pct": 38700, "low80pct": 61920, "hpBorrowerEligibility": 61920}, "ami2024": 74100, "amiChangeYoY": 3300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29211", "countyName": "Sullivan", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29213", "countyName": "Taney", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29215", "countyName": "Texas", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29217", "countyName": "Vernon", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 72500, "amiChangeYoY": 4600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29219", "countyName": "Warren", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 103200, "amiChangeYoY": 8000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29221", "countyName": "Washington", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29223", "countyName": "Wayne", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29225", "countyName": "Webster", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 80500, "amiChangeYoY": 8900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29227", "countyName": "Worth", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "29229", "countyName": "Wright", "state": "MO", "stateName": "Missouri", "isHighCost": false, "ami2025": 77100, "incomeThresholds": {"veryLow50pct": 38550, "low80pct": 61680, "hpBorrowerEligibility": 61680}, "ami2024": 70600, "amiChangeYoY": 6500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30001", "countyName": "Beaverhead", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30003", "countyName": "Big Horn", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30005", "countyName": "Blaine", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30007", "countyName": "Broadwater", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 106700, "incomeThresholds": {"veryLow50pct": 53350, "low80pct": 85360, "hpBorrowerEligibility": 85360}, "ami2024": 82000, "amiChangeYoY": 24700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30009", "countyName": "Carbon", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 100000, "amiChangeYoY": -1800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30011", "countyName": "Carter", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30013", "countyName": "Cascade", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 90800, "incomeThresholds": {"veryLow50pct": 45400, "low80pct": 72640, "hpBorrowerEligibility": 72640}, "ami2024": 85300, "amiChangeYoY": 5500, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30015", "countyName": "Chouteau", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 85900, "amiChangeYoY": 3500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30017", "countyName": "Custer", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 97200, "incomeThresholds": {"veryLow50pct": 48600, "low80pct": 77760, "hpBorrowerEligibility": 77760}, "ami2024": 86600, "amiChangeYoY": 10600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30019", "countyName": "Daniels", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 88800, "amiChangeYoY": 3400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30021", "countyName": "Dawson", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 91600, "incomeThresholds": {"veryLow50pct": 45800, "low80pct": 73280, "hpBorrowerEligibility": 73280}, "ami2024": 93200, "amiChangeYoY": -1600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30023", "countyName": "Deer Lodge", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30025", "countyName": "Fallon", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 127000, "incomeThresholds": {"veryLow50pct": 63500, "low80pct": 101600, "hpBorrowerEligibility": 101600}, "ami2024": 120500, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30027", "countyName": "Fergus", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 88400, "amiChangeYoY": 1900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30029", "countyName": "Flathead", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 102600, "incomeThresholds": {"veryLow50pct": 51300, "low80pct": 82080, "hpBorrowerEligibility": 82080}, "ami2024": 88400, "amiChangeYoY": 14200, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30031", "countyName": "Gallatin", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 116300, "incomeThresholds": {"veryLow50pct": 58150, "low80pct": 93040, "hpBorrowerEligibility": 93040}, "ami2024": 109000, "amiChangeYoY": 7300, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30033", "countyName": "Garfield", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 89700, "incomeThresholds": {"veryLow50pct": 44850, "low80pct": 71760, "hpBorrowerEligibility": 71760}, "ami2024": 85900, "amiChangeYoY": 3800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30035", "countyName": "Glacier", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30037", "countyName": "Golden\nValley", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30039", "countyName": "Granite", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30041", "countyName": "Hill", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30043", "countyName": "Jefferson", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 106700, "incomeThresholds": {"veryLow50pct": 53350, "low80pct": 85360, "hpBorrowerEligibility": 85360}, "ami2024": 95500, "amiChangeYoY": 11200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30045", "countyName": "Judith Basin", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85900, "amiChangeYoY": 3200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30047", "countyName": "Lake", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30049", "countyName": "Lewis And\nClark", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 106700, "incomeThresholds": {"veryLow50pct": 53350, "low80pct": 85360, "hpBorrowerEligibility": 85360}, "ami2024": 90000, "amiChangeYoY": 16700, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30051", "countyName": "Liberty", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30053", "countyName": "Lincoln", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30057", "countyName": "Madison", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30055", "countyName": "Mccone", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 96000, "incomeThresholds": {"veryLow50pct": 48000, "low80pct": 76800, "hpBorrowerEligibility": 76800}, "ami2024": 89500, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30059", "countyName": "Meagher", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30061", "countyName": "Mineral", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 105800, "incomeThresholds": {"veryLow50pct": 52900, "low80pct": 84640, "hpBorrowerEligibility": 84640}, "ami2024": 63600, "amiChangeYoY": 42200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30063", "countyName": "Missoula", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 105800, "incomeThresholds": {"veryLow50pct": 52900, "low80pct": 84640, "hpBorrowerEligibility": 84640}, "ami2024": 90200, "amiChangeYoY": 15600, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30065", "countyName": "Musselshell", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30067", "countyName": "Park", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 96100, "amiChangeYoY": 4500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30069", "countyName": "Petroleum", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 85900, "amiChangeYoY": 6300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30071", "countyName": "Phillips", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30073", "countyName": "Pondera", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30075", "countyName": "Powder\nRiver", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 92700, "incomeThresholds": {"veryLow50pct": 46350, "low80pct": 74160, "hpBorrowerEligibility": 74160}, "ami2024": 85900, "amiChangeYoY": 6800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30077", "countyName": "Powell", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30079", "countyName": "Prairie", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30081", "countyName": "Ravalli", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 93200, "incomeThresholds": {"veryLow50pct": 46600, "low80pct": 74560, "hpBorrowerEligibility": 74560}, "ami2024": 85900, "amiChangeYoY": 7300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30083", "countyName": "Richland", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 91300, "amiChangeYoY": 3100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30085", "countyName": "Roosevelt", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30087", "countyName": "Rosebud", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30089", "countyName": "Sanders", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30091", "countyName": "Sheridan", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 94000, "amiChangeYoY": 4500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30093", "countyName": "Silver Bow", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30095", "countyName": "Stillwater", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 100000, "amiChangeYoY": -1800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30097", "countyName": "Sweet Grass", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 95400, "incomeThresholds": {"veryLow50pct": 47700, "low80pct": 76320, "hpBorrowerEligibility": 76320}, "ami2024": 89000, "amiChangeYoY": 6400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30099", "countyName": "Teton", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 85900, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30101", "countyName": "Toole", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30103", "countyName": "Treasure", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 85900, "amiChangeYoY": 2300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30105", "countyName": "Valley", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 95000, "incomeThresholds": {"veryLow50pct": 47500, "low80pct": 76000, "hpBorrowerEligibility": 76000}, "ami2024": 88300, "amiChangeYoY": 6700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30107", "countyName": "Wheatland", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85900, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30109", "countyName": "Wibaux", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 100900, "incomeThresholds": {"veryLow50pct": 50450, "low80pct": 80720, "hpBorrowerEligibility": 80720}, "ami2024": 97200, "amiChangeYoY": 3700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "30111", "countyName": "Yellowstone", "state": "MT", "stateName": "Montana", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 100000, "amiChangeYoY": -1800, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31001", "countyName": "Adams", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 84600, "amiChangeYoY": 8400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31003", "countyName": "Antelope", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31005", "countyName": "Arthur", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 106400, "incomeThresholds": {"veryLow50pct": 53200, "low80pct": 85120, "hpBorrowerEligibility": 85120}, "ami2024": 95300, "amiChangeYoY": 11100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31007", "countyName": "Banner", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31009", "countyName": "Blaine", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31011", "countyName": "Boone", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 92100, "amiChangeYoY": 2200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31013", "countyName": "Box Butte", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31015", "countyName": "Boyd", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94500, "incomeThresholds": {"veryLow50pct": 47250, "low80pct": 75600, "hpBorrowerEligibility": 75600}, "ami2024": 87400, "amiChangeYoY": 7100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31017", "countyName": "Brown", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31019", "countyName": "Buffalo", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 104800, "incomeThresholds": {"veryLow50pct": 52400, "low80pct": 83840, "hpBorrowerEligibility": 83840}, "ami2024": 99200, "amiChangeYoY": 5600, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31021", "countyName": "Burt", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 84200, "amiChangeYoY": 8800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31023", "countyName": "Butler", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 109800, "incomeThresholds": {"veryLow50pct": 54900, "low80pct": 87840, "hpBorrowerEligibility": 87840}, "ami2024": 104300, "amiChangeYoY": 5500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31025", "countyName": "Cass", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31027", "countyName": "Cedar", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 97000, "amiChangeYoY": 6200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31029", "countyName": "Chase", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31031", "countyName": "Cherry", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31033", "countyName": "Cheyenne", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31035", "countyName": "Clay", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 96300, "incomeThresholds": {"veryLow50pct": 48150, "low80pct": 77040, "hpBorrowerEligibility": 77040}, "ami2024": 91800, "amiChangeYoY": 4500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31037", "countyName": "Colfax", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31039", "countyName": "Cuming", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 95500, "incomeThresholds": {"veryLow50pct": 47750, "low80pct": 76400, "hpBorrowerEligibility": 76400}, "ami2024": 88900, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31041", "countyName": "Custer", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31043", "countyName": "Dakota", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 90100, "incomeThresholds": {"veryLow50pct": 45050, "low80pct": 72080, "hpBorrowerEligibility": 72080}, "ami2024": 92500, "amiChangeYoY": -2400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31045", "countyName": "Dawes", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31047", "countyName": "Dawson", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31049", "countyName": "Deuel", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31051", "countyName": "Dixon", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 99200, "incomeThresholds": {"veryLow50pct": 49600, "low80pct": 79360, "hpBorrowerEligibility": 79360}, "ami2024": 92500, "amiChangeYoY": 6700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31053", "countyName": "Dodge", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 91200, "amiChangeYoY": 6300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31055", "countyName": "Douglas", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 163, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31057", "countyName": "Dundy", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 97300, "incomeThresholds": {"veryLow50pct": 48650, "low80pct": 77840, "hpBorrowerEligibility": 77840}, "ami2024": 97300, "amiChangeYoY": 0, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31059", "countyName": "Fillmore", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 107900, "incomeThresholds": {"veryLow50pct": 53950, "low80pct": 86320, "hpBorrowerEligibility": 86320}, "ami2024": 107100, "amiChangeYoY": 800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31061", "countyName": "Franklin", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31063", "countyName": "Frontier", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31065", "countyName": "Furnas", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31067", "countyName": "Gage", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 87800, "amiChangeYoY": 7500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31069", "countyName": "Garden", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31071", "countyName": "Garfield", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31073", "countyName": "Gosper", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 87400, "amiChangeYoY": 6900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31075", "countyName": "Grant", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31077", "countyName": "Greeley", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31079", "countyName": "Hall", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 95600, "amiChangeYoY": -800, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31081", "countyName": "Hamilton", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 110800, "incomeThresholds": {"veryLow50pct": 55400, "low80pct": 88640, "hpBorrowerEligibility": 88640}, "ami2024": 96500, "amiChangeYoY": 14300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31083", "countyName": "Harlan", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 101300, "incomeThresholds": {"veryLow50pct": 50650, "low80pct": 81040, "hpBorrowerEligibility": 81040}, "ami2024": 95200, "amiChangeYoY": 6100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31085", "countyName": "Hayes", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 84000, "amiChangeYoY": 9000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31087", "countyName": "Hitchcock", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31089", "countyName": "Holt", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 85100, "amiChangeYoY": 7900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31091", "countyName": "Hooker", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 106700, "incomeThresholds": {"veryLow50pct": 53350, "low80pct": 85360, "hpBorrowerEligibility": 85360}, "ami2024": 91600, "amiChangeYoY": 15100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31093", "countyName": "Howard", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 95600, "amiChangeYoY": -800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31095", "countyName": "Jefferson", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31097", "countyName": "Johnson", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31099", "countyName": "Kearney", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 106800, "incomeThresholds": {"veryLow50pct": 53400, "low80pct": 85440, "hpBorrowerEligibility": 85440}, "ami2024": 92900, "amiChangeYoY": 13900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31101", "countyName": "Keith", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31103", "countyName": "Keya Paha", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31105", "countyName": "Kimball", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31107", "countyName": "Knox", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31109", "countyName": "Lancaster", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 107700, "incomeThresholds": {"veryLow50pct": 53850, "low80pct": 86160, "hpBorrowerEligibility": 86160}, "ami2024": 102200, "amiChangeYoY": 5500, "totalCensusTracts": 81, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31111", "countyName": "Lincoln", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 86100, "amiChangeYoY": 6900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31113", "countyName": "Logan", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93400, "incomeThresholds": {"veryLow50pct": 46700, "low80pct": 74720, "hpBorrowerEligibility": 74720}, "ami2024": 82700, "amiChangeYoY": 10700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31115", "countyName": "Loup", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31119", "countyName": "Madison", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 88900, "amiChangeYoY": 4100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31117", "countyName": "Mcpherson", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31121", "countyName": "Merrick", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 95600, "amiChangeYoY": -800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31123", "countyName": "Morrill", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 83500, "amiChangeYoY": 9500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31125", "countyName": "Nance", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 85800, "amiChangeYoY": 7200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31127", "countyName": "Nemaha", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 98400, "amiChangeYoY": -5400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31129", "countyName": "Nuckolls", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31131", "countyName": "Otoe", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 103100, "amiChangeYoY": 12000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31133", "countyName": "Pawnee", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31135", "countyName": "Perkins", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 86000, "amiChangeYoY": 7000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31137", "countyName": "Phelps", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 96700, "amiChangeYoY": 1800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31139", "countyName": "Pierce", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 83800, "amiChangeYoY": 9200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31141", "countyName": "Platte", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 96500, "amiChangeYoY": 3600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31143", "countyName": "Polk", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 90300, "amiChangeYoY": 9900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31145", "countyName": "Red Willow", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 96200, "incomeThresholds": {"veryLow50pct": 48100, "low80pct": 76960, "hpBorrowerEligibility": 76960}, "ami2024": 87900, "amiChangeYoY": 8300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31147", "countyName": "Richardson", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31149", "countyName": "Rock", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31151", "countyName": "Saline", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 88200, "amiChangeYoY": 7900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31153", "countyName": "Sarpy", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31155", "countyName": "Saunders", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31157", "countyName": "Scotts Bluff", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 83300, "amiChangeYoY": 9700, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31159", "countyName": "Seward", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 107700, "incomeThresholds": {"veryLow50pct": 53850, "low80pct": 86160, "hpBorrowerEligibility": 86160}, "ami2024": 102200, "amiChangeYoY": 5500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31161", "countyName": "Sheridan", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31163", "countyName": "Sherman", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31165", "countyName": "Sioux", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31167", "countyName": "Stanton", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 94500, "amiChangeYoY": 6100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31169", "countyName": "Thayer", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31171", "countyName": "Thomas", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31173", "countyName": "Thurston", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31175", "countyName": "Valley", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 87600, "amiChangeYoY": 5400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31177", "countyName": "Washington", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 109700, "amiChangeYoY": 4300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31179", "countyName": "Wayne", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 86400, "amiChangeYoY": 6600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31181", "countyName": "Webster", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 82700, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31183", "countyName": "Wheeler", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 85100, "amiChangeYoY": 7900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "31185", "countyName": "York", "state": "NE", "stateName": "Nebraska", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 91000, "amiChangeYoY": 4600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32510", "countyName": "Carson\nCity", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 88900, "amiChangeYoY": 4600, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32001", "countyName": "Churchill", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 101900, "incomeThresholds": {"veryLow50pct": 50950, "low80pct": 81520, "hpBorrowerEligibility": 81520}, "ami2024": 100300, "amiChangeYoY": 1600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32003", "countyName": "Clark", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 94900, "incomeThresholds": {"veryLow50pct": 47450, "low80pct": 75920, "hpBorrowerEligibility": 75920}, "ami2024": 87800, "amiChangeYoY": 7100, "totalCensusTracts": 535, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32005", "countyName": "Douglas", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 101900, "amiChangeYoY": 6900, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32007", "countyName": "Elko", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 110300, "incomeThresholds": {"veryLow50pct": 55150, "low80pct": 88240, "hpBorrowerEligibility": 88240}, "ami2024": 106500, "amiChangeYoY": 3800, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32009", "countyName": "Esmeralda", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 105900, "incomeThresholds": {"veryLow50pct": 52950, "low80pct": 84720, "hpBorrowerEligibility": 84720}, "ami2024": 94800, "amiChangeYoY": 11100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32011", "countyName": "Eureka", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 92300, "amiChangeYoY": 1200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32013", "countyName": "Humboldt", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 92300, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32015", "countyName": "Lander", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 107600, "incomeThresholds": {"veryLow50pct": 53800, "low80pct": 86080, "hpBorrowerEligibility": 86080}, "ami2024": 108200, "amiChangeYoY": -600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32017", "countyName": "Lincoln", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 95300, "incomeThresholds": {"veryLow50pct": 47650, "low80pct": 76240, "hpBorrowerEligibility": 76240}, "ami2024": 92300, "amiChangeYoY": 3000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32019", "countyName": "Lyon", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 109900, "incomeThresholds": {"veryLow50pct": 54950, "low80pct": 87920, "hpBorrowerEligibility": 87920}, "ami2024": 89400, "amiChangeYoY": 20500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32021", "countyName": "Mineral", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 92300, "amiChangeYoY": 1200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32023", "countyName": "Nye", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 93500, "incomeThresholds": {"veryLow50pct": 46750, "low80pct": 74800, "hpBorrowerEligibility": 74800}, "ami2024": 92300, "amiChangeYoY": 1200, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32027", "countyName": "Pershing", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 92300, "amiChangeYoY": 10500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32029", "countyName": "Storey", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 109900, "incomeThresholds": {"veryLow50pct": 54950, "low80pct": 87920, "hpBorrowerEligibility": 87920}, "ami2024": 101200, "amiChangeYoY": 8700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32031", "countyName": "Washoe", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 109900, "incomeThresholds": {"veryLow50pct": 54950, "low80pct": 87920, "hpBorrowerEligibility": 87920}, "ami2024": 101200, "amiChangeYoY": 8700, "totalCensusTracts": 139, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "32033", "countyName": "White Pine", "state": "NV", "stateName": "Nevada", "isHighCost": false, "ami2025": 104100, "incomeThresholds": {"veryLow50pct": 52050, "low80pct": 83280, "hpBorrowerEligibility": 83280}, "ami2024": 99500, "amiChangeYoY": 4600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33001", "countyName": "Belknap", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 120300, "incomeThresholds": {"veryLow50pct": 60150, "low80pct": 96240, "hpBorrowerEligibility": 96240}, "ami2024": 107400, "amiChangeYoY": 12900, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33003", "countyName": "Carroll", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 104500, "amiChangeYoY": 6000, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33005", "countyName": "Cheshire", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 104500, "amiChangeYoY": 6000, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33007", "countyName": "Coos", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 104500, "amiChangeYoY": 6000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33009", "countyName": "Grafton", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 108200, "amiChangeYoY": 2300, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33011", "countyName": "Hillsborough", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 135000, "incomeThresholds": {"veryLow50pct": 67500, "low80pct": 108000, "hpBorrowerEligibility": 108000}, "ami2024": 126000, "amiChangeYoY": 9000, "totalCensusTracts": 103, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33013", "countyName": "Merrimack", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 123900, "incomeThresholds": {"veryLow50pct": 61950, "low80pct": 99120, "hpBorrowerEligibility": 99120}, "ami2024": 115100, "amiChangeYoY": 8800, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33015", "countyName": "Rockingham", "state": "NH", "stateName": "New Hampshire", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 73, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33017", "countyName": "Strafford", "state": "NH", "stateName": "New Hampshire", "isHighCost": true, "ami2025": 152100, "incomeThresholds": {"veryLow50pct": 76050, "low80pct": 121680, "hpBorrowerEligibility": 121680}, "ami2024": 142000, "amiChangeYoY": 10100, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "33019", "countyName": "Sullivan", "state": "NH", "stateName": "New Hampshire", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 104500, "amiChangeYoY": 6000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34001", "countyName": "Atlantic", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 103700, "incomeThresholds": {"veryLow50pct": 51850, "low80pct": 82960, "hpBorrowerEligibility": 82960}, "ami2024": 100500, "amiChangeYoY": 3200, "totalCensusTracts": 74, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34003", "countyName": "Bergen", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 203, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34005", "countyName": "Burlington", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 117, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34007", "countyName": "Camden", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 129, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34009", "countyName": "Cape May", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 103700, "incomeThresholds": {"veryLow50pct": 51850, "low80pct": 82960, "hpBorrowerEligibility": 82960}, "ami2024": 111700, "amiChangeYoY": -8000, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34011", "countyName": "Cumberland", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 86500, "incomeThresholds": {"veryLow50pct": 43250, "low80pct": 69200, "hpBorrowerEligibility": 69200}, "ami2024": 75800, "amiChangeYoY": 10700, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34013", "countyName": "Essex", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 211, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34015", "countyName": "Gloucester", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 69, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34017", "countyName": "Hudson", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 183, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34019", "countyName": "Hunterdon", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34021", "countyName": "Mercer", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 126900, "incomeThresholds": {"veryLow50pct": 63450, "low80pct": 101520, "hpBorrowerEligibility": 101520}, "ami2024": 125900, "amiChangeYoY": 1000, "totalCensusTracts": 84, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34023", "countyName": "Middlesex", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 192, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34025", "countyName": "Monmouth", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 155, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34027", "countyName": "Morris", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 110, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34029", "countyName": "Ocean", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 145, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34031", "countyName": "Passaic", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 120, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34033", "countyName": "Salem", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34035", "countyName": "Somerset", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 74, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34037", "countyName": "Sussex", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34039", "countyName": "Union", "state": "NJ", "stateName": "New Jersey", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 120, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "34041", "countyName": "Warren", "state": "NJ", "stateName": "New Jersey", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 101400, "amiChangeYoY": 3300, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35001", "countyName": "Bernalillo", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 91400, "incomeThresholds": {"veryLow50pct": 45700, "low80pct": 73120, "hpBorrowerEligibility": 73120}, "ami2024": 86400, "amiChangeYoY": 5000, "totalCensusTracts": 176, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35003", "countyName": "Catron", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35005", "countyName": "Chaves", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35006", "countyName": "Cibola", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 69300, "incomeThresholds": {"veryLow50pct": 34650, "low80pct": 55440, "hpBorrowerEligibility": 55440}, "ami2024": 70600, "amiChangeYoY": -1300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35007", "countyName": "Colfax", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 70300, "incomeThresholds": {"veryLow50pct": 35150, "low80pct": 56240, "hpBorrowerEligibility": 56240}, "ami2024": 70600, "amiChangeYoY": -300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35009", "countyName": "Curry", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 73500, "incomeThresholds": {"veryLow50pct": 36750, "low80pct": 58800, "hpBorrowerEligibility": 58800}, "ami2024": 70600, "amiChangeYoY": 2900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35011", "countyName": "De Baca", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 81700, "amiChangeYoY": 6800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35013", "countyName": "Dona Ana", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 70700, "incomeThresholds": {"veryLow50pct": 35350, "low80pct": 56560, "hpBorrowerEligibility": 56560}, "ami2024": 65800, "amiChangeYoY": 4900, "totalCensusTracts": 61, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35015", "countyName": "Eddy", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 105300, "incomeThresholds": {"veryLow50pct": 52650, "low80pct": 84240, "hpBorrowerEligibility": 84240}, "ami2024": 101800, "amiChangeYoY": 3500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35017", "countyName": "Grant", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 80400, "incomeThresholds": {"veryLow50pct": 40200, "low80pct": 64320, "hpBorrowerEligibility": 64320}, "ami2024": 71900, "amiChangeYoY": 8500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35019", "countyName": "Guadalupe", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35021", "countyName": "Harding", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 88000, "incomeThresholds": {"veryLow50pct": 44000, "low80pct": 70400, "hpBorrowerEligibility": 70400}, "ami2024": 72300, "amiChangeYoY": 15700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35023", "countyName": "Hidalgo", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 70900, "incomeThresholds": {"veryLow50pct": 35450, "low80pct": 56720, "hpBorrowerEligibility": 56720}, "ami2024": 70600, "amiChangeYoY": 300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35025", "countyName": "Lea", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 79900, "incomeThresholds": {"veryLow50pct": 39950, "low80pct": 63920, "hpBorrowerEligibility": 63920}, "ami2024": 73800, "amiChangeYoY": 6100, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35027", "countyName": "Lincoln", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 75400, "incomeThresholds": {"veryLow50pct": 37700, "low80pct": 60320, "hpBorrowerEligibility": 60320}, "ami2024": 70600, "amiChangeYoY": 4800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35028", "countyName": "Los\nAlamos", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 179000, "incomeThresholds": {"veryLow50pct": 89500, "low80pct": 143200, "hpBorrowerEligibility": 143200}, "ami2024": 168500, "amiChangeYoY": 10500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35029", "countyName": "Luna", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35031", "countyName": "Mckinley", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35033", "countyName": "Mora", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35035", "countyName": "Otero", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 78600, "amiChangeYoY": -9800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35037", "countyName": "Quay", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35039", "countyName": "Rio Arriba", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 74900, "incomeThresholds": {"veryLow50pct": 37450, "low80pct": 59920, "hpBorrowerEligibility": 59920}, "ami2024": 70600, "amiChangeYoY": 4300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35041", "countyName": "Roosevelt", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 72100, "incomeThresholds": {"veryLow50pct": 36050, "low80pct": 57680, "hpBorrowerEligibility": 57680}, "ami2024": 73000, "amiChangeYoY": -900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35045", "countyName": "San Juan", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 61600, "amiChangeYoY": 14000, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35047", "countyName": "San Miguel", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35043", "countyName": "Sandoval", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 91400, "incomeThresholds": {"veryLow50pct": 45700, "low80pct": 73120, "hpBorrowerEligibility": 73120}, "ami2024": 86400, "amiChangeYoY": 5000, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35049", "countyName": "Santa Fe", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 91500, "amiChangeYoY": 8000, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35051", "countyName": "Sierra", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35053", "countyName": "Socorro", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35055", "countyName": "Taos", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 74300, "amiChangeYoY": 10100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35057", "countyName": "Torrance", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 91400, "incomeThresholds": {"veryLow50pct": 45700, "low80pct": 73120, "hpBorrowerEligibility": 73120}, "ami2024": 86400, "amiChangeYoY": 5000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35059", "countyName": "Union", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 68800, "incomeThresholds": {"veryLow50pct": 34400, "low80pct": 55040, "hpBorrowerEligibility": 55040}, "ami2024": 70600, "amiChangeYoY": -1800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "35061", "countyName": "Valencia", "state": "NM", "stateName": "New Mexico", "isHighCost": false, "ami2025": 91400, "incomeThresholds": {"veryLow50pct": 45700, "low80pct": 73120, "hpBorrowerEligibility": 73120}, "ami2024": 86400, "amiChangeYoY": 5000, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36001", "countyName": "Albany", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 117800, "amiChangeYoY": -1700, "totalCensusTracts": 85, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36003", "countyName": "Allegany", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36005", "countyName": "Bronx", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 361, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36007", "countyName": "Broome", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 94500, "incomeThresholds": {"veryLow50pct": 47250, "low80pct": 75600, "hpBorrowerEligibility": 75600}, "ami2024": 88700, "amiChangeYoY": 5800, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36009", "countyName": "Cattaraugus", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36011", "countyName": "Cayuga", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 89400, "amiChangeYoY": -900, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36013", "countyName": "Chautauqua", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36015", "countyName": "Chemung", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 76300, "amiChangeYoY": 5600, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36017", "countyName": "Chenango", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36019", "countyName": "Clinton", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 97000, "amiChangeYoY": -2700, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36021", "countyName": "Columbia", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 106400, "amiChangeYoY": 6700, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36023", "countyName": "Cortland", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 85800, "amiChangeYoY": 6400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36025", "countyName": "Delaware", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36027", "countyName": "Dutchess", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 123000, "incomeThresholds": {"veryLow50pct": 61500, "low80pct": 98400, "hpBorrowerEligibility": 98400}, "ami2024": 114800, "amiChangeYoY": 8200, "totalCensusTracts": 82, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36029", "countyName": "Erie", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 101000, "incomeThresholds": {"veryLow50pct": 50500, "low80pct": 80800, "hpBorrowerEligibility": 80800}, "ami2024": 96900, "amiChangeYoY": 4100, "totalCensusTracts": 261, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36031", "countyName": "Essex", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 91900, "incomeThresholds": {"veryLow50pct": 45950, "low80pct": 73520, "hpBorrowerEligibility": 73520}, "ami2024": 86300, "amiChangeYoY": 5600, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36033", "countyName": "Franklin", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36035", "countyName": "Fulton", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36037", "countyName": "Genesee", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 96900, "incomeThresholds": {"veryLow50pct": 48450, "low80pct": 77520, "hpBorrowerEligibility": 77520}, "ami2024": 92100, "amiChangeYoY": 4800, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36039", "countyName": "Greene", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 104300, "incomeThresholds": {"veryLow50pct": 52150, "low80pct": 83440, "hpBorrowerEligibility": 83440}, "ami2024": 96600, "amiChangeYoY": 7700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36041", "countyName": "Hamilton", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 86400, "amiChangeYoY": 7900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36043", "countyName": "Herkimer", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 87900, "amiChangeYoY": 1100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36045", "countyName": "Jefferson", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 83400, "incomeThresholds": {"veryLow50pct": 41700, "low80pct": 66720, "hpBorrowerEligibility": 66720}, "ami2024": 73100, "amiChangeYoY": 10300, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36047", "countyName": "Kings", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 805, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36049", "countyName": "Lewis", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 83500, "amiChangeYoY": 5000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36051", "countyName": "Livingston", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 96500, "amiChangeYoY": 7400, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36053", "countyName": "Madison", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 104100, "incomeThresholds": {"veryLow50pct": 52050, "low80pct": 83280, "hpBorrowerEligibility": 83280}, "ami2024": 94800, "amiChangeYoY": 9300, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36055", "countyName": "Monroe", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 96500, "amiChangeYoY": 7400, "totalCensusTracts": 211, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36057", "countyName": "Montgomery", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 92900, "incomeThresholds": {"veryLow50pct": 46450, "low80pct": 74320, "hpBorrowerEligibility": 74320}, "ami2024": 83500, "amiChangeYoY": 9400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36059", "countyName": "Nassau", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 286, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36061", "countyName": "New York", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 310, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36063", "countyName": "Niagara", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 101000, "incomeThresholds": {"veryLow50pct": 50500, "low80pct": 80800, "hpBorrowerEligibility": 80800}, "ami2024": 96900, "amiChangeYoY": 4100, "totalCensusTracts": 66, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36065", "countyName": "Oneida", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 87900, "amiChangeYoY": 1100, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36067", "countyName": "Onondaga", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 104100, "incomeThresholds": {"veryLow50pct": 52050, "low80pct": 83280, "hpBorrowerEligibility": 83280}, "ami2024": 94800, "amiChangeYoY": 9300, "totalCensusTracts": 142, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36069", "countyName": "Ontario", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 96500, "amiChangeYoY": 7400, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36071", "countyName": "Orange", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 123000, "incomeThresholds": {"veryLow50pct": 61500, "low80pct": 98400, "hpBorrowerEligibility": 98400}, "ami2024": 114800, "amiChangeYoY": 8200, "totalCensusTracts": 92, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36073", "countyName": "Orleans", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 96500, "amiChangeYoY": 7400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36075", "countyName": "Oswego", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 104100, "incomeThresholds": {"veryLow50pct": 52050, "low80pct": 83280, "hpBorrowerEligibility": 83280}, "ami2024": 94800, "amiChangeYoY": 9300, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36077", "countyName": "Otsego", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 91200, "incomeThresholds": {"veryLow50pct": 45600, "low80pct": 72960, "hpBorrowerEligibility": 72960}, "ami2024": 87600, "amiChangeYoY": 3600, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36079", "countyName": "Putnam", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36081", "countyName": "Queens", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 725, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36083", "countyName": "Rensselaer", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 117800, "amiChangeYoY": -1700, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36085", "countyName": "Richmond", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 126, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36087", "countyName": "Rockland", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 80, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36091", "countyName": "Saratoga", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 117800, "amiChangeYoY": -1700, "totalCensusTracts": 65, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36093", "countyName": "Schenectady", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 117800, "amiChangeYoY": -1700, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36095", "countyName": "Schoharie", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 117800, "amiChangeYoY": -1700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36097", "countyName": "Schuyler", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 86500, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36099", "countyName": "Seneca", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 86700, "amiChangeYoY": 7200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36089", "countyName": "St. Lawrence", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 83500, "amiChangeYoY": 5600, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36101", "countyName": "Steuben", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 91300, "incomeThresholds": {"veryLow50pct": 45650, "low80pct": 73040, "hpBorrowerEligibility": 73040}, "ami2024": 84000, "amiChangeYoY": 7300, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36103", "countyName": "Suffolk", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 385, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36105", "countyName": "Sullivan", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 105700, "incomeThresholds": {"veryLow50pct": 52850, "low80pct": 84560, "hpBorrowerEligibility": 84560}, "ami2024": 91900, "amiChangeYoY": 13800, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36107", "countyName": "Tioga", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 94500, "incomeThresholds": {"veryLow50pct": 47250, "low80pct": 75600, "hpBorrowerEligibility": 75600}, "ami2024": 88700, "amiChangeYoY": 5800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36109", "countyName": "Tompkins", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 122100, "incomeThresholds": {"veryLow50pct": 61050, "low80pct": 97680, "hpBorrowerEligibility": 97680}, "ami2024": 110200, "amiChangeYoY": 11900, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36111", "countyName": "Ulster", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 119800, "incomeThresholds": {"veryLow50pct": 59900, "low80pct": 95840, "hpBorrowerEligibility": 95840}, "ami2024": 117200, "amiChangeYoY": 2600, "totalCensusTracts": 50, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36113", "countyName": "Warren", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 100000, "incomeThresholds": {"veryLow50pct": 50000, "low80pct": 80000, "hpBorrowerEligibility": 80000}, "ami2024": 92400, "amiChangeYoY": 7600, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36115", "countyName": "Washington", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 100000, "incomeThresholds": {"veryLow50pct": 50000, "low80pct": 80000, "hpBorrowerEligibility": 80000}, "ami2024": 92400, "amiChangeYoY": 7600, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36117", "countyName": "Wayne", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 96500, "amiChangeYoY": 7400, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36119", "countyName": "Westchester", "state": "NY", "stateName": "New York", "isHighCost": true, "ami2025": 124700, "incomeThresholds": {"veryLow50pct": 62350, "low80pct": 99760, "hpBorrowerEligibility": 99760}, "ami2024": 119300, "amiChangeYoY": 5400, "totalCensusTracts": 241, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36121", "countyName": "Wyoming", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 91800, "incomeThresholds": {"veryLow50pct": 45900, "low80pct": 73440, "hpBorrowerEligibility": 73440}, "ami2024": 86700, "amiChangeYoY": 5100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "36123", "countyName": "Yates", "state": "NY", "stateName": "New York", "isHighCost": false, "ami2025": 88800, "incomeThresholds": {"veryLow50pct": 44400, "low80pct": 71040, "hpBorrowerEligibility": 71040}, "ami2024": 96500, "amiChangeYoY": -7700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37001", "countyName": "Alamance", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 77900, "amiChangeYoY": 10300, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37003", "countyName": "Alexander", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 78100, "amiChangeYoY": -500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37005", "countyName": "Alleghany", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37007", "countyName": "Anson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37009", "countyName": "Ashe", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37011", "countyName": "Avery", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 75400, "amiChangeYoY": 8600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37013", "countyName": "Beaufort", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 78200, "incomeThresholds": {"veryLow50pct": 39100, "low80pct": 62560, "hpBorrowerEligibility": 62560}, "ami2024": 74300, "amiChangeYoY": 3900, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37015", "countyName": "Bertie", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37017", "countyName": "Bladen", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37019", "countyName": "Brunswick", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 82900, "amiChangeYoY": 21300, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37021", "countyName": "Buncombe", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 86300, "amiChangeYoY": 6800, "totalCensusTracts": 65, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37023", "countyName": "Burke", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 78100, "amiChangeYoY": -500, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37025", "countyName": "Cabarrus", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37027", "countyName": "Caldwell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 78100, "amiChangeYoY": -500, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37029", "countyName": "Camden", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37031", "countyName": "Carteret", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 94300, "amiChangeYoY": 7700, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37033", "countyName": "Caswell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 78500, "incomeThresholds": {"veryLow50pct": 39250, "low80pct": 62800, "hpBorrowerEligibility": 62800}, "ami2024": 73300, "amiChangeYoY": 5200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37035", "countyName": "Catawba", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 78100, "amiChangeYoY": -500, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37037", "countyName": "Chatham", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 122900, "incomeThresholds": {"veryLow50pct": 61450, "low80pct": 98320, "hpBorrowerEligibility": 98320}, "ami2024": 101800, "amiChangeYoY": 21100, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37039", "countyName": "Cherokee", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37041", "countyName": "Chowan", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37043", "countyName": "Clay", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 79400, "amiChangeYoY": 6100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37045", "countyName": "Cleveland", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 73300, "amiChangeYoY": 3300, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37047", "countyName": "Columbus", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37049", "countyName": "Craven", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 83100, "amiChangeYoY": 5200, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37051", "countyName": "Cumberland", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 73500, "amiChangeYoY": 4100, "totalCensusTracts": 81, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37053", "countyName": "Currituck", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37055", "countyName": "Dare", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 110600, "incomeThresholds": {"veryLow50pct": 55300, "low80pct": 88480, "hpBorrowerEligibility": 88480}, "ami2024": 108200, "amiChangeYoY": 2400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37057", "countyName": "Davidson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81900, "amiChangeYoY": 3000, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37059", "countyName": "Davie", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81900, "amiChangeYoY": 3000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37061", "countyName": "Duplin", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37063", "countyName": "Durham", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 122900, "incomeThresholds": {"veryLow50pct": 61450, "low80pct": 98320, "hpBorrowerEligibility": 98320}, "ami2024": 101800, "amiChangeYoY": 21100, "totalCensusTracts": 68, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37065", "countyName": "Edgecombe", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 68500, "amiChangeYoY": 10600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37067", "countyName": "Forsyth", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81900, "amiChangeYoY": 3000, "totalCensusTracts": 95, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37069", "countyName": "Franklin", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 132700, "incomeThresholds": {"veryLow50pct": 66350, "low80pct": 106160, "hpBorrowerEligibility": 106160}, "ami2024": 122300, "amiChangeYoY": 10400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37071", "countyName": "Gaston", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 85, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37073", "countyName": "Gates", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37075", "countyName": "Graham", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37077", "countyName": "Granville", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 91100, "incomeThresholds": {"veryLow50pct": 45550, "low80pct": 72880, "hpBorrowerEligibility": 72880}, "ami2024": 101800, "amiChangeYoY": -10700, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37079", "countyName": "Greene", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37081", "countyName": "Guilford", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80700, "amiChangeYoY": 4500, "totalCensusTracts": 126, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37083", "countyName": "Halifax", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37085", "countyName": "Harnett", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 73500, "amiChangeYoY": 19100, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37087", "countyName": "Haywood", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 86300, "amiChangeYoY": 2200, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37089", "countyName": "Henderson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 86300, "amiChangeYoY": 6800, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37091", "countyName": "Hertford", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37093", "countyName": "Hoke", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77600, "incomeThresholds": {"veryLow50pct": 38800, "low80pct": 62080, "hpBorrowerEligibility": 62080}, "ami2024": 73500, "amiChangeYoY": 4100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37095", "countyName": "Hyde", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37097", "countyName": "Iredell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37099", "countyName": "Jackson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 80800, "incomeThresholds": {"veryLow50pct": 40400, "low80pct": 64640, "hpBorrowerEligibility": 64640}, "ami2024": 75700, "amiChangeYoY": 5100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37101", "countyName": "Johnston", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 132700, "incomeThresholds": {"veryLow50pct": 66350, "low80pct": 106160, "hpBorrowerEligibility": 106160}, "ami2024": 122300, "amiChangeYoY": 10400, "totalCensusTracts": 53, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37103", "countyName": "Jones", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 83100, "amiChangeYoY": -6700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37105", "countyName": "Lee", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37107", "countyName": "Lenoir", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37109", "countyName": "Lincoln", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37113", "countyName": "Macon", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 77000, "incomeThresholds": {"veryLow50pct": 38500, "low80pct": 61600, "hpBorrowerEligibility": 61600}, "ami2024": 73300, "amiChangeYoY": 3700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37115", "countyName": "Madison", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 86300, "amiChangeYoY": 6800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37117", "countyName": "Martin", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37111", "countyName": "Mcdowell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37119", "countyName": "Mecklenburg", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 305, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37121", "countyName": "Mitchell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 76300, "amiChangeYoY": 1800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37123", "countyName": "Montgomery", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37125", "countyName": "Moore", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 107700, "incomeThresholds": {"veryLow50pct": 53850, "low80pct": 86160, "hpBorrowerEligibility": 86160}, "ami2024": 107200, "amiChangeYoY": 500, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37127", "countyName": "Nash", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 68500, "amiChangeYoY": 10600, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37129", "countyName": "New\nHanover", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 102100, "amiChangeYoY": 2100, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37131", "countyName": "Northampton", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37133", "countyName": "Onslow", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 80800, "incomeThresholds": {"veryLow50pct": 40400, "low80pct": 64640, "hpBorrowerEligibility": 64640}, "ami2024": 76200, "amiChangeYoY": 4600, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37135", "countyName": "Orange", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 122900, "incomeThresholds": {"veryLow50pct": 61450, "low80pct": 98320, "hpBorrowerEligibility": 98320}, "ami2024": 101800, "amiChangeYoY": 21100, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37137", "countyName": "Pamlico", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 92500, "incomeThresholds": {"veryLow50pct": 46250, "low80pct": 74000, "hpBorrowerEligibility": 74000}, "ami2024": 83100, "amiChangeYoY": 9400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37139", "countyName": "Pasquotank", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 82000, "amiChangeYoY": 3000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37141", "countyName": "Pender", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 102100, "amiChangeYoY": 2100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37143", "countyName": "Perquimans", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 81000, "amiChangeYoY": 4200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37145", "countyName": "Person", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 122900, "incomeThresholds": {"veryLow50pct": 61450, "low80pct": 98320, "hpBorrowerEligibility": 98320}, "ami2024": 101800, "amiChangeYoY": 21100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37147", "countyName": "Pitt", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 82100, "incomeThresholds": {"veryLow50pct": 41050, "low80pct": 65680, "hpBorrowerEligibility": 65680}, "ami2024": 84700, "amiChangeYoY": -2600, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37149", "countyName": "Polk", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 86700, "incomeThresholds": {"veryLow50pct": 43350, "low80pct": 69360, "hpBorrowerEligibility": 69360}, "ami2024": 82200, "amiChangeYoY": 4500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37151", "countyName": "Randolph", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80700, "amiChangeYoY": 4500, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37153", "countyName": "Richmond", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37155", "countyName": "Robeson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37157", "countyName": "Rockingham", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80700, "amiChangeYoY": 4500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37159", "countyName": "Rowan", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37161", "countyName": "Rutherford", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37163", "countyName": "Sampson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37165", "countyName": "Scotland", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37167", "countyName": "Stanly", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 88600, "incomeThresholds": {"veryLow50pct": 44300, "low80pct": 70880, "hpBorrowerEligibility": 70880}, "ami2024": 83500, "amiChangeYoY": 5100, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37169", "countyName": "Stokes", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81900, "amiChangeYoY": 3000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37171", "countyName": "Surry", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37173", "countyName": "Swain", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 82200, "incomeThresholds": {"veryLow50pct": 41100, "low80pct": 65760, "hpBorrowerEligibility": 65760}, "ami2024": 77000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37175", "countyName": "Transylvania", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 82400, "amiChangeYoY": 5900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37177", "countyName": "Tyrrell", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37179", "countyName": "Union", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37181", "countyName": "Vance", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37183", "countyName": "Wake", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 132700, "incomeThresholds": {"veryLow50pct": 66350, "low80pct": 106160, "hpBorrowerEligibility": 106160}, "ami2024": 122300, "amiChangeYoY": 10400, "totalCensusTracts": 230, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37185", "countyName": "Warren", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37187", "countyName": "Washington", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37189", "countyName": "Watauga", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 91000, "amiChangeYoY": 3300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37191", "countyName": "Wayne", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 72400, "incomeThresholds": {"veryLow50pct": 36200, "low80pct": 57920, "hpBorrowerEligibility": 57920}, "ami2024": 70700, "amiChangeYoY": 1700, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37193", "countyName": "Wilkes", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73300, "amiChangeYoY": 3100, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37195", "countyName": "Wilson", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 79300, "incomeThresholds": {"veryLow50pct": 39650, "low80pct": 63440, "hpBorrowerEligibility": 63440}, "ami2024": 73300, "amiChangeYoY": 6000, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37197", "countyName": "Yadkin", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 84900, "incomeThresholds": {"veryLow50pct": 42450, "low80pct": 67920, "hpBorrowerEligibility": 67920}, "ami2024": 81900, "amiChangeYoY": 3000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "37199", "countyName": "Yancey", "state": "NC", "stateName": "North Carolina", "isHighCost": false, "ami2025": 80300, "incomeThresholds": {"veryLow50pct": 40150, "low80pct": 64240, "hpBorrowerEligibility": 64240}, "ami2024": 75800, "amiChangeYoY": 4500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38001", "countyName": "Adams", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 111700, "incomeThresholds": {"veryLow50pct": 55850, "low80pct": 89360, "hpBorrowerEligibility": 89360}, "ami2024": 105200, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38003", "countyName": "Barnes", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38005", "countyName": "Benson", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38007", "countyName": "Billings", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 115800, "incomeThresholds": {"veryLow50pct": 57900, "low80pct": 92640, "hpBorrowerEligibility": 92640}, "ami2024": 113700, "amiChangeYoY": 2100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38009", "countyName": "Bottineau", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 111500, "incomeThresholds": {"veryLow50pct": 55750, "low80pct": 89200, "hpBorrowerEligibility": 89200}, "ami2024": 107700, "amiChangeYoY": 3800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38011", "countyName": "Bowman", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 106700, "incomeThresholds": {"veryLow50pct": 53350, "low80pct": 85360, "hpBorrowerEligibility": 85360}, "ami2024": 101500, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38013", "countyName": "Burke", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 126600, "incomeThresholds": {"veryLow50pct": 63300, "low80pct": 101280, "hpBorrowerEligibility": 101280}, "ami2024": 118400, "amiChangeYoY": 8200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38015", "countyName": "Burleigh", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 128200, "incomeThresholds": {"veryLow50pct": 64100, "low80pct": 102560, "hpBorrowerEligibility": 102560}, "ami2024": 108500, "amiChangeYoY": 19700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38017", "countyName": "Cass", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 117500, "incomeThresholds": {"veryLow50pct": 58750, "low80pct": 94000, "hpBorrowerEligibility": 94000}, "ami2024": 105900, "amiChangeYoY": 11600, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38019", "countyName": "Cavalier", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 105300, "incomeThresholds": {"veryLow50pct": 52650, "low80pct": 84240, "hpBorrowerEligibility": 84240}, "ami2024": 101500, "amiChangeYoY": 3800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38021", "countyName": "Dickey", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38023", "countyName": "Divide", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 118600, "incomeThresholds": {"veryLow50pct": 59300, "low80pct": 94880, "hpBorrowerEligibility": 94880}, "ami2024": 109800, "amiChangeYoY": 8800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38025", "countyName": "Dunn", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 137900, "incomeThresholds": {"veryLow50pct": 68950, "low80pct": 110320, "hpBorrowerEligibility": 110320}, "ami2024": 132400, "amiChangeYoY": 5500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38027", "countyName": "Eddy", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38029", "countyName": "Emmons", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38031", "countyName": "Foster", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 121900, "incomeThresholds": {"veryLow50pct": 60950, "low80pct": 97520, "hpBorrowerEligibility": 97520}, "ami2024": 111500, "amiChangeYoY": 10400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38033", "countyName": "Golden\nValley", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 108300, "incomeThresholds": {"veryLow50pct": 54150, "low80pct": 86640, "hpBorrowerEligibility": 86640}, "ami2024": 104900, "amiChangeYoY": 3400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38035", "countyName": "Grand\nForks", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 102800, "incomeThresholds": {"veryLow50pct": 51400, "low80pct": 82240, "hpBorrowerEligibility": 82240}, "ami2024": 104300, "amiChangeYoY": -1500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38037", "countyName": "Grant", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38039", "countyName": "Griggs", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38041", "countyName": "Hettinger", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104900, "incomeThresholds": {"veryLow50pct": 52450, "low80pct": 83920, "hpBorrowerEligibility": 83920}, "ami2024": 101500, "amiChangeYoY": 3400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38043", "countyName": "Kidder", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38045", "countyName": "Lamoure", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 101500, "amiChangeYoY": 3600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38047", "countyName": "Logan", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38049", "countyName": "Mchenry", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 106100, "incomeThresholds": {"veryLow50pct": 53050, "low80pct": 84880, "hpBorrowerEligibility": 84880}, "ami2024": 101200, "amiChangeYoY": 4900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38051", "countyName": "Mcintosh", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38053", "countyName": "Mckenzie", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 122700, "incomeThresholds": {"veryLow50pct": 61350, "low80pct": 98160, "hpBorrowerEligibility": 98160}, "ami2024": 108300, "amiChangeYoY": 14400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38055", "countyName": "Mclean", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 112900, "incomeThresholds": {"veryLow50pct": 56450, "low80pct": 90320, "hpBorrowerEligibility": 90320}, "ami2024": 101500, "amiChangeYoY": 11400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38057", "countyName": "Mercer", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 111100, "incomeThresholds": {"veryLow50pct": 55550, "low80pct": 88880, "hpBorrowerEligibility": 88880}, "ami2024": 112500, "amiChangeYoY": -1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38059", "countyName": "Morton", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 128200, "incomeThresholds": {"veryLow50pct": 64100, "low80pct": 102560, "hpBorrowerEligibility": 102560}, "ami2024": 108500, "amiChangeYoY": 19700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38061", "countyName": "Mountrail", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 105700, "incomeThresholds": {"veryLow50pct": 52850, "low80pct": 84560, "hpBorrowerEligibility": 84560}, "ami2024": 102800, "amiChangeYoY": 2900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38063", "countyName": "Nelson", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 105600, "incomeThresholds": {"veryLow50pct": 52800, "low80pct": 84480, "hpBorrowerEligibility": 84480}, "ami2024": 101500, "amiChangeYoY": 4100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38065", "countyName": "Oliver", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 128200, "incomeThresholds": {"veryLow50pct": 64100, "low80pct": 102560, "hpBorrowerEligibility": 102560}, "ami2024": 108500, "amiChangeYoY": 19700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38067", "countyName": "Pembina", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38069", "countyName": "Pierce", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 103700, "amiChangeYoY": 700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38071", "countyName": "Ramsey", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38073", "countyName": "Ransom", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38075", "countyName": "Renville", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 106100, "incomeThresholds": {"veryLow50pct": 53050, "low80pct": 84880, "hpBorrowerEligibility": 84880}, "ami2024": 100000, "amiChangeYoY": 6100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38077", "countyName": "Richland", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 110100, "incomeThresholds": {"veryLow50pct": 55050, "low80pct": 88080, "hpBorrowerEligibility": 88080}, "ami2024": 104400, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38079", "countyName": "Rolette", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38081", "countyName": "Sargent", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104800, "incomeThresholds": {"veryLow50pct": 52400, "low80pct": 83840, "hpBorrowerEligibility": 83840}, "ami2024": 101500, "amiChangeYoY": 3300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38083", "countyName": "Sheridan", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38085", "countyName": "Sioux", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38087", "countyName": "Slope", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38089", "countyName": "Stark", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 109300, "incomeThresholds": {"veryLow50pct": 54650, "low80pct": 87440, "hpBorrowerEligibility": 87440}, "ami2024": 108300, "amiChangeYoY": 1000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38091", "countyName": "Steele", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 111000, "incomeThresholds": {"veryLow50pct": 55500, "low80pct": 88800, "hpBorrowerEligibility": 88800}, "ami2024": 111900, "amiChangeYoY": -900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38093", "countyName": "Stutsman", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 101500, "amiChangeYoY": 9400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38095", "countyName": "Towner", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38097", "countyName": "Traill", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 121900, "incomeThresholds": {"veryLow50pct": 60950, "low80pct": 97520, "hpBorrowerEligibility": 97520}, "ami2024": 115700, "amiChangeYoY": 6200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38099", "countyName": "Walsh", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38101", "countyName": "Ward", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 106100, "incomeThresholds": {"veryLow50pct": 53050, "low80pct": 84880, "hpBorrowerEligibility": 84880}, "ami2024": 110300, "amiChangeYoY": -4200, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38103", "countyName": "Wells", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 101500, "amiChangeYoY": 2900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "38105", "countyName": "Williams", "state": "ND", "stateName": "North Dakota", "isHighCost": false, "ami2025": 113000, "incomeThresholds": {"veryLow50pct": 56500, "low80pct": 90400, "hpBorrowerEligibility": 90400}, "ami2024": 111400, "amiChangeYoY": 1600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "69085", "countyName": "Northern\nIslands", "state": "MP", "stateName": "Northern Mariana Isl", "isHighCost": false, "ami2025": 43900, "incomeThresholds": {"veryLow50pct": 21950, "low80pct": 35120, "hpBorrowerEligibility": 35120}, "ami2024": 41300, "amiChangeYoY": 2600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "69100", "countyName": "Rota", "state": "MP", "stateName": "Northern Mariana Isl", "isHighCost": false, "ami2025": 43900, "incomeThresholds": {"veryLow50pct": 21950, "low80pct": 35120, "hpBorrowerEligibility": 35120}, "ami2024": 41300, "amiChangeYoY": 2600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "69110", "countyName": "Saipan", "state": "MP", "stateName": "Northern Mariana Isl", "isHighCost": false, "ami2025": 43900, "incomeThresholds": {"veryLow50pct": 21950, "low80pct": 35120, "hpBorrowerEligibility": 35120}, "ami2024": 41300, "amiChangeYoY": 2600, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "69120", "countyName": "Tinian", "state": "MP", "stateName": "Northern Mariana Isl", "isHighCost": false, "ami2025": 43900, "incomeThresholds": {"veryLow50pct": 21950, "low80pct": 35120, "hpBorrowerEligibility": 35120}, "ami2024": 41300, "amiChangeYoY": 2600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39001", "countyName": "Adams", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39003", "countyName": "Allen", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 84700, "amiChangeYoY": 8100, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39005", "countyName": "Ashland", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 81500, "amiChangeYoY": 7000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39007", "countyName": "Ashtabula", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 69900, "amiChangeYoY": 28300, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39009", "countyName": "Athens", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 82300, "amiChangeYoY": 7100, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39011", "countyName": "Auglaize", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 102300, "incomeThresholds": {"veryLow50pct": 51150, "low80pct": 81840, "hpBorrowerEligibility": 81840}, "ami2024": 99300, "amiChangeYoY": 3000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39013", "countyName": "Belmont", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 82100, "incomeThresholds": {"veryLow50pct": 41050, "low80pct": 65680, "hpBorrowerEligibility": 65680}, "ami2024": 80600, "amiChangeYoY": 1500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39015", "countyName": "Brown", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39017", "countyName": "Butler", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 86, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39019", "countyName": "Carroll", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 86500, "incomeThresholds": {"veryLow50pct": 43250, "low80pct": 69200, "hpBorrowerEligibility": 69200}, "ami2024": 85500, "amiChangeYoY": 1000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39021", "countyName": "Champaign", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 93600, "incomeThresholds": {"veryLow50pct": 46800, "low80pct": 74880, "hpBorrowerEligibility": 74880}, "ami2024": 88700, "amiChangeYoY": 4900, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39023", "countyName": "Clark", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 86500, "incomeThresholds": {"veryLow50pct": 43250, "low80pct": 69200, "hpBorrowerEligibility": 69200}, "ami2024": 70700, "amiChangeYoY": 15800, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39025", "countyName": "Clermont", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39027", "countyName": "Clinton", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 89800, "incomeThresholds": {"veryLow50pct": 44900, "low80pct": 71840, "hpBorrowerEligibility": 71840}, "ami2024": 86400, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39029", "countyName": "Columbiana", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39031", "countyName": "Coshocton", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39033", "countyName": "Crawford", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39035", "countyName": "Cuyahoga", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 97200, "amiChangeYoY": 1000, "totalCensusTracts": 428, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39037", "countyName": "Darke", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 87900, "incomeThresholds": {"veryLow50pct": 43950, "low80pct": 70320, "hpBorrowerEligibility": 70320}, "ami2024": 83000, "amiChangeYoY": 4900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39039", "countyName": "Defiance", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 94300, "incomeThresholds": {"veryLow50pct": 47150, "low80pct": 75440, "hpBorrowerEligibility": 75440}, "ami2024": 87000, "amiChangeYoY": 7300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39041", "countyName": "Delaware", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39043", "countyName": "Erie", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 96800, "incomeThresholds": {"veryLow50pct": 48400, "low80pct": 77440, "hpBorrowerEligibility": 77440}, "ami2024": 94400, "amiChangeYoY": 2400, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39045", "countyName": "Fairfield", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39047", "countyName": "Fayette", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39049", "countyName": "Franklin", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 328, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39051", "countyName": "Fulton", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 87700, "amiChangeYoY": 7500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39053", "countyName": "Gallia", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39055", "countyName": "Geauga", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 97200, "amiChangeYoY": 1000, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39057", "countyName": "Greene", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 93800, "incomeThresholds": {"veryLow50pct": 46900, "low80pct": 75040, "hpBorrowerEligibility": 75040}, "ami2024": 92900, "amiChangeYoY": 900, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39059", "countyName": "Guernsey", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39061", "countyName": "Hamilton", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 226, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39063", "countyName": "Hancock", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 94000, "incomeThresholds": {"veryLow50pct": 47000, "low80pct": 75200, "hpBorrowerEligibility": 75200}, "ami2024": 95400, "amiChangeYoY": -1400, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39065", "countyName": "Hardin", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39067", "countyName": "Harrison", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39069", "countyName": "Henry", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 97000, "incomeThresholds": {"veryLow50pct": 48500, "low80pct": 77600, "hpBorrowerEligibility": 77600}, "ami2024": 90500, "amiChangeYoY": 6500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39071", "countyName": "Highland", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39073", "countyName": "Hocking", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39075", "countyName": "Holmes", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 92200, "amiChangeYoY": 4300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39077", "countyName": "Huron", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 81500, "amiChangeYoY": 5600, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39079", "countyName": "Jackson", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39081", "countyName": "Jefferson", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 72100, "amiChangeYoY": 8100, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39083", "countyName": "Knox", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 94600, "incomeThresholds": {"veryLow50pct": 47300, "low80pct": 75680, "hpBorrowerEligibility": 75680}, "ami2024": 87600, "amiChangeYoY": 7000, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39085", "countyName": "Lake", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 97200, "amiChangeYoY": 1000, "totalCensusTracts": 60, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39087", "countyName": "Lawrence", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39089", "countyName": "Licking", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39091", "countyName": "Logan", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 91900, "incomeThresholds": {"veryLow50pct": 45950, "low80pct": 73520, "hpBorrowerEligibility": 73520}, "ami2024": 88400, "amiChangeYoY": 3500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39093", "countyName": "Lorain", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 97200, "amiChangeYoY": 1000, "totalCensusTracts": 80, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39095", "countyName": "Lucas", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 87700, "amiChangeYoY": 7500, "totalCensusTracts": 169, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39097", "countyName": "Madison", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39099", "countyName": "Mahoning", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 75500, "incomeThresholds": {"veryLow50pct": 37750, "low80pct": 60400, "hpBorrowerEligibility": 60400}, "ami2024": 74900, "amiChangeYoY": 600, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39101", "countyName": "Marion", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39103", "countyName": "Medina", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 98200, "incomeThresholds": {"veryLow50pct": 49100, "low80pct": 78560, "hpBorrowerEligibility": 78560}, "ami2024": 97200, "amiChangeYoY": 1000, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39105", "countyName": "Meigs", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39107", "countyName": "Mercer", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108200, "incomeThresholds": {"veryLow50pct": 54100, "low80pct": 86560, "hpBorrowerEligibility": 86560}, "ami2024": 101200, "amiChangeYoY": 7000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39109", "countyName": "Miami", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 93800, "incomeThresholds": {"veryLow50pct": 46900, "low80pct": 75040, "hpBorrowerEligibility": 75040}, "ami2024": 92900, "amiChangeYoY": 900, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39111", "countyName": "Monroe", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39113", "countyName": "Montgomery", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 93800, "incomeThresholds": {"veryLow50pct": 46900, "low80pct": 75040, "hpBorrowerEligibility": 75040}, "ami2024": 92900, "amiChangeYoY": 900, "totalCensusTracts": 156, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39115", "countyName": "Morgan", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39117", "countyName": "Morrow", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39119", "countyName": "Muskingum", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39121", "countyName": "Noble", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39123", "countyName": "Ottawa", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 96800, "incomeThresholds": {"veryLow50pct": 48400, "low80pct": 77440, "hpBorrowerEligibility": 77440}, "ami2024": 87700, "amiChangeYoY": 9100, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39125", "countyName": "Paulding", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84600, "amiChangeYoY": 5900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39127", "countyName": "Perry", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39129", "countyName": "Pickaway", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39131", "countyName": "Pike", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39133", "countyName": "Portage", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 100300, "incomeThresholds": {"veryLow50pct": 50150, "low80pct": 80240, "hpBorrowerEligibility": 80240}, "ami2024": 95800, "amiChangeYoY": 4500, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39135", "countyName": "Preble", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 91200, "incomeThresholds": {"veryLow50pct": 45600, "low80pct": 72960, "hpBorrowerEligibility": 72960}, "ami2024": 84900, "amiChangeYoY": 6300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39137", "countyName": "Putnam", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 107900, "incomeThresholds": {"veryLow50pct": 53950, "low80pct": 86320, "hpBorrowerEligibility": 86320}, "ami2024": 103200, "amiChangeYoY": 4700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39139", "countyName": "Richland", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 71900, "incomeThresholds": {"veryLow50pct": 35950, "low80pct": 57520, "hpBorrowerEligibility": 57520}, "ami2024": 76000, "amiChangeYoY": -4100, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39141", "countyName": "Ross", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 82200, "amiChangeYoY": 3000, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39143", "countyName": "Sandusky", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 85700, "amiChangeYoY": 1800, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39145", "countyName": "Scioto", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39147", "countyName": "Seneca", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39149", "countyName": "Shelby", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 96600, "incomeThresholds": {"veryLow50pct": 48300, "low80pct": 77280, "hpBorrowerEligibility": 77280}, "ami2024": 95000, "amiChangeYoY": 1600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39151", "countyName": "Stark", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 86500, "incomeThresholds": {"veryLow50pct": 43250, "low80pct": 69200, "hpBorrowerEligibility": 69200}, "ami2024": 85500, "amiChangeYoY": 1000, "totalCensusTracts": 90, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39153", "countyName": "Summit", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 100300, "incomeThresholds": {"veryLow50pct": 50150, "low80pct": 80240, "hpBorrowerEligibility": 80240}, "ami2024": 95800, "amiChangeYoY": 4500, "totalCensusTracts": 138, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39155", "countyName": "Trumbull", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 75500, "incomeThresholds": {"veryLow50pct": 37750, "low80pct": 60400, "hpBorrowerEligibility": 60400}, "ami2024": 74900, "amiChangeYoY": 600, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39157", "countyName": "Tuscarawas", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 91000, "incomeThresholds": {"veryLow50pct": 45500, "low80pct": 72800, "hpBorrowerEligibility": 72800}, "ami2024": 80000, "amiChangeYoY": 11000, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39159", "countyName": "Union", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 108600, "incomeThresholds": {"veryLow50pct": 54300, "low80pct": 86880, "hpBorrowerEligibility": 86880}, "ami2024": 103300, "amiChangeYoY": 5300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39161", "countyName": "Van Wert", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 86700, "incomeThresholds": {"veryLow50pct": 43350, "low80pct": 69360, "hpBorrowerEligibility": 69360}, "ami2024": 83500, "amiChangeYoY": 3200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39163", "countyName": "Vinton", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39165", "countyName": "Warren", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 103700, "amiChangeYoY": 7000, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39167", "countyName": "Washington", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80200, "amiChangeYoY": 5000, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39169", "countyName": "Wayne", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 87300, "amiChangeYoY": 2200, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39171", "countyName": "Williams", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80000, "amiChangeYoY": 5200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39173", "countyName": "Wood", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 95200, "incomeThresholds": {"veryLow50pct": 47600, "low80pct": 76160, "hpBorrowerEligibility": 76160}, "ami2024": 87700, "amiChangeYoY": 7500, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "39175", "countyName": "Wyandot", "state": "OH", "stateName": "Ohio", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 86500, "amiChangeYoY": 4200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40001", "countyName": "Adair", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40003", "countyName": "Alfalfa", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 95100, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40005", "countyName": "Atoka", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40007", "countyName": "Beaver", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 75000, "amiChangeYoY": 4000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40009", "countyName": "Beckham", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 79700, "amiChangeYoY": 500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40011", "countyName": "Blaine", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 78300, "incomeThresholds": {"veryLow50pct": 39150, "low80pct": 62640, "hpBorrowerEligibility": 62640}, "ami2024": 75000, "amiChangeYoY": 3300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40013", "countyName": "Bryan", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69700, "amiChangeYoY": 4500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40015", "countyName": "Caddo", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69600, "amiChangeYoY": 4600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40017", "countyName": "Canadian", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40019", "countyName": "Carter", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 81600, "incomeThresholds": {"veryLow50pct": 40800, "low80pct": 65280, "hpBorrowerEligibility": 65280}, "ami2024": 76700, "amiChangeYoY": 4900, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40021", "countyName": "Cherokee", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 70200, "amiChangeYoY": 4000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40023", "countyName": "Choctaw", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40025", "countyName": "Cimarron", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 74800, "amiChangeYoY": 10600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40027", "countyName": "Cleveland", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 71, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40029", "countyName": "Coal", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40031", "countyName": "Comanche", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74900, "incomeThresholds": {"veryLow50pct": 37450, "low80pct": 59920, "hpBorrowerEligibility": 59920}, "ami2024": 71200, "amiChangeYoY": 3700, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40033", "countyName": "Cotton", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74900, "incomeThresholds": {"veryLow50pct": 37450, "low80pct": 59920, "hpBorrowerEligibility": 59920}, "ami2024": 71200, "amiChangeYoY": 3700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40035", "countyName": "Craig", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40037", "countyName": "Creek", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40039", "countyName": "Custer", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 83300, "incomeThresholds": {"veryLow50pct": 41650, "low80pct": 66640, "hpBorrowerEligibility": 66640}, "ami2024": 83600, "amiChangeYoY": -300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40041", "countyName": "Delaware", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74700, "incomeThresholds": {"veryLow50pct": 37350, "low80pct": 59760, "hpBorrowerEligibility": 59760}, "ami2024": 70500, "amiChangeYoY": 4200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40043", "countyName": "Dewey", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 75900, "amiChangeYoY": 1400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40045", "countyName": "Ellis", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 77500, "incomeThresholds": {"veryLow50pct": 38750, "low80pct": 62000, "hpBorrowerEligibility": 62000}, "ami2024": 79000, "amiChangeYoY": -1500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40047", "countyName": "Garfield", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 66500, "amiChangeYoY": 24000, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40049", "countyName": "Garvin", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 69000, "amiChangeYoY": 10000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40051", "countyName": "Grady", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40053", "countyName": "Grant", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 87900, "incomeThresholds": {"veryLow50pct": 43950, "low80pct": 70320, "hpBorrowerEligibility": 70320}, "ami2024": 84100, "amiChangeYoY": 3800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40055", "countyName": "Greer", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 76600, "incomeThresholds": {"veryLow50pct": 38300, "low80pct": 61280, "hpBorrowerEligibility": 61280}, "ami2024": 69000, "amiChangeYoY": 7600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40057", "countyName": "Harmon", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40059", "countyName": "Harper", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 74200, "amiChangeYoY": 5200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40061", "countyName": "Haskell", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40063", "countyName": "Hughes", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40065", "countyName": "Jackson", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 84500, "incomeThresholds": {"veryLow50pct": 42250, "low80pct": 67600, "hpBorrowerEligibility": 67600}, "ami2024": 80700, "amiChangeYoY": 3800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40067", "countyName": "Jefferson", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40069", "countyName": "Johnston", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40071", "countyName": "Kay", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 75500, "incomeThresholds": {"veryLow50pct": 37750, "low80pct": 60400, "hpBorrowerEligibility": 60400}, "ami2024": 69700, "amiChangeYoY": 5800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40073", "countyName": "Kingfisher", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 78000, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40075", "countyName": "Kiowa", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40077", "countyName": "Latimer", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40079", "countyName": "Le Flore", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40081", "countyName": "Lincoln", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40083", "countyName": "Logan", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40085", "countyName": "Love", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 78900, "incomeThresholds": {"veryLow50pct": 39450, "low80pct": 63120, "hpBorrowerEligibility": 63120}, "ami2024": 75300, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40093", "countyName": "Major", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 85800, "incomeThresholds": {"veryLow50pct": 42900, "low80pct": 68640, "hpBorrowerEligibility": 68640}, "ami2024": 83300, "amiChangeYoY": 2500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40095", "countyName": "Marshall", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40097", "countyName": "Mayes", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 73100, "amiChangeYoY": 3300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40087", "countyName": "Mcclain", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40089", "countyName": "Mccurtain", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40091", "countyName": "Mcintosh", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40099", "countyName": "Murray", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77900, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40101", "countyName": "Muskogee", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 72400, "amiChangeYoY": 4000, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40103", "countyName": "Noble", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 83900, "amiChangeYoY": 8100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40105", "countyName": "Nowata", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40107", "countyName": "Okfuskee", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40109", "countyName": "Oklahoma", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89100, "amiChangeYoY": 9200, "totalCensusTracts": 266, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40111", "countyName": "Okmulgee", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40113", "countyName": "Osage", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40115", "countyName": "Ottawa", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40117", "countyName": "Pawnee", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40119", "countyName": "Payne", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 77200, "amiChangeYoY": 13500, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40121", "countyName": "Pittsburg", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 75500, "incomeThresholds": {"veryLow50pct": 37750, "low80pct": 60400, "hpBorrowerEligibility": 60400}, "ami2024": 71100, "amiChangeYoY": 4400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40123", "countyName": "Pontotoc", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 84100, "incomeThresholds": {"veryLow50pct": 42050, "low80pct": 67280, "hpBorrowerEligibility": 67280}, "ami2024": 79300, "amiChangeYoY": 4800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40125", "countyName": "Pottawatomie", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40127", "countyName": "Pushmataha", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40129", "countyName": "Roger Mills", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 77300, "incomeThresholds": {"veryLow50pct": 38650, "low80pct": 61840, "hpBorrowerEligibility": 61840}, "ami2024": 72200, "amiChangeYoY": 5100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40131", "countyName": "Rogers", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40133", "countyName": "Seminole", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40135", "countyName": "Sequoyah", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 66700, "amiChangeYoY": 13900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40137", "countyName": "Stephens", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 75200, "amiChangeYoY": 6500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40139", "countyName": "Texas", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 74900, "amiChangeYoY": 4200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40141", "countyName": "Tillman", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 74200, "incomeThresholds": {"veryLow50pct": 37100, "low80pct": 59360, "hpBorrowerEligibility": 59360}, "ami2024": 69000, "amiChangeYoY": 5200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40143", "countyName": "Tulsa", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 208, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40145", "countyName": "Wagoner", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89100, "incomeThresholds": {"veryLow50pct": 44550, "low80pct": 71280, "hpBorrowerEligibility": 71280}, "ami2024": 85300, "amiChangeYoY": 3800, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40147", "countyName": "Washington", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 88100, "incomeThresholds": {"veryLow50pct": 44050, "low80pct": 70480, "hpBorrowerEligibility": 70480}, "ami2024": 82500, "amiChangeYoY": 5600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40149", "countyName": "Washita", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 77900, "incomeThresholds": {"veryLow50pct": 38950, "low80pct": 62320, "hpBorrowerEligibility": 62320}, "ami2024": 74100, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40151", "countyName": "Woods", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 85500, "amiChangeYoY": 3800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "40153", "countyName": "Woodward", "state": "OK", "stateName": "Oklahoma", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 75900, "amiChangeYoY": 13100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41001", "countyName": "Baker", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 86000, "incomeThresholds": {"veryLow50pct": 43000, "low80pct": 68800, "hpBorrowerEligibility": 68800}, "ami2024": 80900, "amiChangeYoY": 5100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41003", "countyName": "Benton", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 126300, "incomeThresholds": {"veryLow50pct": 63150, "low80pct": 101040, "hpBorrowerEligibility": 101040}, "ami2024": 109800, "amiChangeYoY": 16500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41005", "countyName": "Clackamas", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 87, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41007", "countyName": "Clatsop", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 96400, "incomeThresholds": {"veryLow50pct": 48200, "low80pct": 77120, "hpBorrowerEligibility": 77120}, "ami2024": 92300, "amiChangeYoY": 4100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41009", "countyName": "Columbia", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41011", "countyName": "Coos", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 83100, "incomeThresholds": {"veryLow50pct": 41550, "low80pct": 66480, "hpBorrowerEligibility": 66480}, "ami2024": 80900, "amiChangeYoY": 2200, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41013", "countyName": "Crook", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 91000, "amiChangeYoY": 23000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41015", "countyName": "Curry", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41017", "countyName": "Deschutes", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 105100, "amiChangeYoY": 8900, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41019", "countyName": "Douglas", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 80900, "amiChangeYoY": 2700, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41021", "countyName": "Gilliam", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 80900, "amiChangeYoY": 1900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41023", "countyName": "Grant", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41025", "countyName": "Harney", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41027", "countyName": "Hood River", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 104200, "amiChangeYoY": 9200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41029", "countyName": "Jackson", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 92400, "incomeThresholds": {"veryLow50pct": 46200, "low80pct": 73920, "hpBorrowerEligibility": 73920}, "ami2024": 87800, "amiChangeYoY": 4600, "totalCensusTracts": 52, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41031", "countyName": "Jefferson", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 81000, "amiChangeYoY": 33000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41033", "countyName": "Josephine", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 84800, "incomeThresholds": {"veryLow50pct": 42400, "low80pct": 67840, "hpBorrowerEligibility": 67840}, "ami2024": 76000, "amiChangeYoY": 8800, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41035", "countyName": "Klamath", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41037", "countyName": "Lake", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 89000, "incomeThresholds": {"veryLow50pct": 44500, "low80pct": 71200, "hpBorrowerEligibility": 71200}, "ami2024": 80900, "amiChangeYoY": 8100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41039", "countyName": "Lane", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 89100, "amiChangeYoY": 2600, "totalCensusTracts": 93, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41041", "countyName": "Lincoln", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 80900, "amiChangeYoY": 1700, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41043", "countyName": "Linn", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 99000, "incomeThresholds": {"veryLow50pct": 49500, "low80pct": 79200, "hpBorrowerEligibility": 79200}, "ami2024": 84900, "amiChangeYoY": 14100, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41045", "countyName": "Malheur", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41047", "countyName": "Marion", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 91300, "amiChangeYoY": 1300, "totalCensusTracts": 65, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41049", "countyName": "Morrow", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 85900, "incomeThresholds": {"veryLow50pct": 42950, "low80pct": 68720, "hpBorrowerEligibility": 68720}, "ami2024": 80900, "amiChangeYoY": 5000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41051", "countyName": "Multnomah", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 197, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41053", "countyName": "Polk", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 92600, "incomeThresholds": {"veryLow50pct": 46300, "low80pct": 74080, "hpBorrowerEligibility": 74080}, "ami2024": 91300, "amiChangeYoY": 1300, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41055", "countyName": "Sherman", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 80900, "amiChangeYoY": 2800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41057", "countyName": "Tillamook", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 83500, "incomeThresholds": {"veryLow50pct": 41750, "low80pct": 66800, "hpBorrowerEligibility": 66800}, "ami2024": 80900, "amiChangeYoY": 2600, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41059", "countyName": "Umatilla", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 97100, "amiChangeYoY": -15700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41061", "countyName": "Union", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 80900, "amiChangeYoY": 1900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41063", "countyName": "Wallowa", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 84500, "incomeThresholds": {"veryLow50pct": 42250, "low80pct": 67600, "hpBorrowerEligibility": 67600}, "ami2024": 80900, "amiChangeYoY": 3600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41065", "countyName": "Wasco", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 86500, "incomeThresholds": {"veryLow50pct": 43250, "low80pct": 69200, "hpBorrowerEligibility": 69200}, "ami2024": 83300, "amiChangeYoY": 3200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41067", "countyName": "Washington", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 134, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41069", "countyName": "Wheeler", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 80900, "amiChangeYoY": 500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "41071", "countyName": "Yamhill", "state": "OR", "stateName": "Oregon", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42001", "countyName": "Adams", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 96900, "amiChangeYoY": 5500, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42003", "countyName": "Allegheny", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 394, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42005", "countyName": "Armstrong", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42007", "countyName": "Beaver", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 53, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42009", "countyName": "Bedford", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 79800, "amiChangeYoY": 4900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42011", "countyName": "Berks", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 99800, "incomeThresholds": {"veryLow50pct": 49900, "low80pct": 79840, "hpBorrowerEligibility": 79840}, "ami2024": 93700, "amiChangeYoY": 6100, "totalCensusTracts": 107, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42013", "countyName": "Blair", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 86900, "amiChangeYoY": -3100, "totalCensusTracts": 38, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42015", "countyName": "Bradford", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 86900, "incomeThresholds": {"veryLow50pct": 43450, "low80pct": 69520, "hpBorrowerEligibility": 69520}, "ami2024": 81000, "amiChangeYoY": 5900, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42017", "countyName": "Bucks", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 147, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42019", "countyName": "Butler", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42021", "countyName": "Cambria", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 85000, "incomeThresholds": {"veryLow50pct": 42500, "low80pct": 68000, "hpBorrowerEligibility": 68000}, "ami2024": 76500, "amiChangeYoY": 8500, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42023", "countyName": "Cameron", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42025", "countyName": "Carbon", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 101400, "amiChangeYoY": 3300, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42027", "countyName": "Centre", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 108100, "incomeThresholds": {"veryLow50pct": 54050, "low80pct": 86480, "hpBorrowerEligibility": 86480}, "ami2024": 108200, "amiChangeYoY": -100, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42029", "countyName": "Chester", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 124, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42031", "countyName": "Clarion", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 85800, "incomeThresholds": {"veryLow50pct": 42900, "low80pct": 68640, "hpBorrowerEligibility": 68640}, "ami2024": 81200, "amiChangeYoY": 4600, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42033", "countyName": "Clearfield", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 85900, "incomeThresholds": {"veryLow50pct": 42950, "low80pct": 68720, "hpBorrowerEligibility": 68720}, "ami2024": 77300, "amiChangeYoY": 8600, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42035", "countyName": "Clinton", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42037", "countyName": "Columbia", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 84300, "incomeThresholds": {"veryLow50pct": 42150, "low80pct": 67440, "hpBorrowerEligibility": 67440}, "ami2024": 79300, "amiChangeYoY": 5000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42039", "countyName": "Crawford", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42041", "countyName": "Cumberland", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 105400, "incomeThresholds": {"veryLow50pct": 52700, "low80pct": 84320, "hpBorrowerEligibility": 84320}, "ami2024": 97900, "amiChangeYoY": 7500, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42043", "countyName": "Dauphin", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 105400, "incomeThresholds": {"veryLow50pct": 52700, "low80pct": 84320, "hpBorrowerEligibility": 84320}, "ami2024": 97900, "amiChangeYoY": 7500, "totalCensusTracts": 67, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42045", "countyName": "Delaware", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 152, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42047", "countyName": "Elk", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 86000, "amiChangeYoY": 3900, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42049", "countyName": "Erie", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 80500, "amiChangeYoY": 3900, "totalCensusTracts": 74, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42051", "countyName": "Fayette", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42053", "countyName": "Forest", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42055", "countyName": "Franklin", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 95500, "incomeThresholds": {"veryLow50pct": 47750, "low80pct": 76400, "hpBorrowerEligibility": 76400}, "ami2024": 92700, "amiChangeYoY": 2800, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42057", "countyName": "Fulton", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 82600, "amiChangeYoY": 5900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42059", "countyName": "Greene", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 89900, "amiChangeYoY": 3200, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42061", "countyName": "Huntingdon", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 88400, "incomeThresholds": {"veryLow50pct": 44200, "low80pct": 70720, "hpBorrowerEligibility": 70720}, "ami2024": 81500, "amiChangeYoY": 6900, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42063", "countyName": "Indiana", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 80400, "amiChangeYoY": 3300, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42065", "countyName": "Jefferson", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42067", "countyName": "Juniata", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 85100, "incomeThresholds": {"veryLow50pct": 42550, "low80pct": 68080, "hpBorrowerEligibility": 68080}, "ami2024": 83400, "amiChangeYoY": 1700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42069", "countyName": "Lackawanna", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83500, "incomeThresholds": {"veryLow50pct": 41750, "low80pct": 66800, "hpBorrowerEligibility": 66800}, "ami2024": 83000, "amiChangeYoY": 500, "totalCensusTracts": 60, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42071", "countyName": "Lancaster", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 103900, "incomeThresholds": {"veryLow50pct": 51950, "low80pct": 83120, "hpBorrowerEligibility": 83120}, "ami2024": 106700, "amiChangeYoY": -2800, "totalCensusTracts": 116, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42073", "countyName": "Lawrence", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 82200, "amiChangeYoY": 23800, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42075", "countyName": "Lebanon", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 93300, "incomeThresholds": {"veryLow50pct": 46650, "low80pct": 74640, "hpBorrowerEligibility": 74640}, "ami2024": 89100, "amiChangeYoY": 4200, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42077", "countyName": "Lehigh", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 101400, "amiChangeYoY": 3300, "totalCensusTracts": 81, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42079", "countyName": "Luzerne", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83500, "incomeThresholds": {"veryLow50pct": 41750, "low80pct": 66800, "hpBorrowerEligibility": 66800}, "ami2024": 83000, "amiChangeYoY": 500, "totalCensusTracts": 101, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42081", "countyName": "Lycoming", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 87800, "incomeThresholds": {"veryLow50pct": 43900, "low80pct": 70240, "hpBorrowerEligibility": 70240}, "ami2024": 86600, "amiChangeYoY": 1200, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42083", "countyName": "Mckean", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 77400, "amiChangeYoY": 7300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42085", "countyName": "Mercer", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42087", "countyName": "Mifflin", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42089", "countyName": "Monroe", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 103500, "amiChangeYoY": 900, "totalCensusTracts": 51, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42091", "countyName": "Montgomery", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 219, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42093", "countyName": "Montour", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 99700, "incomeThresholds": {"veryLow50pct": 49850, "low80pct": 79760, "hpBorrowerEligibility": 79760}, "ami2024": 79300, "amiChangeYoY": 20400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42095", "countyName": "Northampton", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 101400, "amiChangeYoY": 3300, "totalCensusTracts": 74, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42097", "countyName": "Northumberland", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 82500, "amiChangeYoY": 1200, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42099", "countyName": "Perry", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 105400, "incomeThresholds": {"veryLow50pct": 52700, "low80pct": 84320, "hpBorrowerEligibility": 84320}, "ami2024": 97900, "amiChangeYoY": 7500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42101", "countyName": "Philadelphia", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 119400, "incomeThresholds": {"veryLow50pct": 59700, "low80pct": 95520, "hpBorrowerEligibility": 95520}, "ami2024": 114700, "amiChangeYoY": 4700, "totalCensusTracts": 408, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42103", "countyName": "Pike", "state": "PA", "stateName": "Pennsylvania", "isHighCost": true, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 119300, "amiChangeYoY": -19100, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42105", "countyName": "Potter", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42107", "countyName": "Schuylkill", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 85800, "incomeThresholds": {"veryLow50pct": 42900, "low80pct": 68640, "hpBorrowerEligibility": 68640}, "ami2024": 79600, "amiChangeYoY": 6200, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42109", "countyName": "Snyder", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 87000, "incomeThresholds": {"veryLow50pct": 43500, "low80pct": 69600, "hpBorrowerEligibility": 69600}, "ami2024": 81600, "amiChangeYoY": 5400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42111", "countyName": "Somerset", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42113", "countyName": "Sullivan", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 88400, "incomeThresholds": {"veryLow50pct": 44200, "low80pct": 70720, "hpBorrowerEligibility": 70720}, "ami2024": 85100, "amiChangeYoY": 3300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42115", "countyName": "Susquehanna", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 87800, "incomeThresholds": {"veryLow50pct": 43900, "low80pct": 70240, "hpBorrowerEligibility": 70240}, "ami2024": 84400, "amiChangeYoY": 3400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42117", "countyName": "Tioga", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77600, "amiChangeYoY": 6100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42119", "countyName": "Union", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 103600, "incomeThresholds": {"veryLow50pct": 51800, "low80pct": 82880, "hpBorrowerEligibility": 82880}, "ami2024": 94600, "amiChangeYoY": 9000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42121", "countyName": "Venango", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 77300, "amiChangeYoY": 6400, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42123", "countyName": "Warren", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83700, "incomeThresholds": {"veryLow50pct": 41850, "low80pct": 66960, "hpBorrowerEligibility": 66960}, "ami2024": 78300, "amiChangeYoY": 5400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42125", "countyName": "Washington", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 62, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42127", "countyName": "Wayne", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83900, "incomeThresholds": {"veryLow50pct": 41950, "low80pct": 67120, "hpBorrowerEligibility": 67120}, "ami2024": 79300, "amiChangeYoY": 4600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42129", "countyName": "Westmoreland", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 106000, "incomeThresholds": {"veryLow50pct": 53000, "low80pct": 84800, "hpBorrowerEligibility": 84800}, "ami2024": 100600, "amiChangeYoY": 5400, "totalCensusTracts": 113, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42131", "countyName": "Wyoming", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 83500, "incomeThresholds": {"veryLow50pct": 41750, "low80pct": 66800, "hpBorrowerEligibility": 66800}, "ami2024": 83000, "amiChangeYoY": 500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "42133", "countyName": "York", "state": "PA", "stateName": "Pennsylvania", "isHighCost": false, "ami2025": 105800, "incomeThresholds": {"veryLow50pct": 52900, "low80pct": 84640, "hpBorrowerEligibility": 84640}, "ami2024": 105100, "amiChangeYoY": 700, "totalCensusTracts": 108, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72001", "countyName": "Adjuntas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72003", "countyName": "Aguada", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72005", "countyName": "Aguadilla", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72007", "countyName": "Aguas\nBuenas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72009", "countyName": "Aibonito", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72011", "countyName": "Anasco", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72013", "countyName": "Arecibo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 38200, "incomeThresholds": {"veryLow50pct": 19100, "low80pct": 30560, "hpBorrowerEligibility": 30560}, "ami2024": 33900, "amiChangeYoY": 4300, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72015", "countyName": "Arroyo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29000, "incomeThresholds": {"veryLow50pct": 14500, "low80pct": 23200, "hpBorrowerEligibility": 23200}, "ami2024": 25400, "amiChangeYoY": 3600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72017", "countyName": "Barceloneta", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72019", "countyName": "Barranquitas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72021", "countyName": "Bayamon", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 63, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72023", "countyName": "Cabo Rojo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 29700, "amiChangeYoY": -600, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72025", "countyName": "Caguas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72027", "countyName": "Camuy", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 38200, "incomeThresholds": {"veryLow50pct": 19100, "low80pct": 30560, "hpBorrowerEligibility": 30560}, "ami2024": 33900, "amiChangeYoY": 4300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72029", "countyName": "Canovanas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72031", "countyName": "Carolina", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72033", "countyName": "Catano", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72035", "countyName": "Cayey", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72037", "countyName": "Ceiba", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72039", "countyName": "Ciales", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72041", "countyName": "Cidra", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72043", "countyName": "Coamo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72045", "countyName": "Comerio", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72047", "countyName": "Corozal", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72049", "countyName": "Culebra", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72051", "countyName": "Dorado", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72053", "countyName": "Fajardo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72054", "countyName": "Florida", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72055", "countyName": "Guanica", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26900, "amiChangeYoY": -2800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72057", "countyName": "Guayama", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29000, "incomeThresholds": {"veryLow50pct": 14500, "low80pct": 23200, "hpBorrowerEligibility": 23200}, "ami2024": 25400, "amiChangeYoY": 3600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72059", "countyName": "Guayanilla", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 26900, "amiChangeYoY": 3100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72061", "countyName": "Guaynabo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72063", "countyName": "Gurabo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72065", "countyName": "Hatillo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 38200, "incomeThresholds": {"veryLow50pct": 19100, "low80pct": 30560, "hpBorrowerEligibility": 30560}, "ami2024": 33900, "amiChangeYoY": 4300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72067", "countyName": "Hormigueros", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 27300, "amiChangeYoY": 1800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72069", "countyName": "Humacao", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72071", "countyName": "Isabela", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72073", "countyName": "Jayuya", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72075", "countyName": "Juana Diaz", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 24600, "amiChangeYoY": 5400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72077", "countyName": "Juncos", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72079", "countyName": "Lajas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 29700, "amiChangeYoY": -600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72081", "countyName": "Lares", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26500, "amiChangeYoY": -2400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72083", "countyName": "Las Marias", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 27300, "amiChangeYoY": -3200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72085", "countyName": "Las Piedras", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72087", "countyName": "Loiza", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72089", "countyName": "Luquillo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72091", "countyName": "Manati", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72093", "countyName": "Maricao", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72095", "countyName": "Maunabo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72097", "countyName": "Mayaguez", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 27300, "amiChangeYoY": 1800, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72099", "countyName": "Moca", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72101", "countyName": "Morovis", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72103", "countyName": "Naguabo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72105", "countyName": "Naranjito", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72107", "countyName": "Orocovis", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72109", "countyName": "Patillas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29000, "incomeThresholds": {"veryLow50pct": 14500, "low80pct": 23200, "hpBorrowerEligibility": 23200}, "ami2024": 25400, "amiChangeYoY": 3600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72111", "countyName": "Penuelas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 26900, "amiChangeYoY": 3100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72113", "countyName": "Ponce", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 24600, "amiChangeYoY": 5400, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72115", "countyName": "Quebradillas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 38200, "incomeThresholds": {"veryLow50pct": 19100, "low80pct": 30560, "hpBorrowerEligibility": 30560}, "ami2024": 33900, "amiChangeYoY": 4300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72117", "countyName": "Rincon", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72119", "countyName": "Rio Grande", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72121", "countyName": "Sabana\nGrande", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 29700, "amiChangeYoY": -600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72123", "countyName": "Salinas", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72125", "countyName": "San German", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 29100, "incomeThresholds": {"veryLow50pct": 14550, "low80pct": 23280, "hpBorrowerEligibility": 23280}, "ami2024": 29700, "amiChangeYoY": -600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72127", "countyName": "San Juan", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 138, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72129", "countyName": "San Lorenzo", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72131", "countyName": "San\nSebastian", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 31000, "incomeThresholds": {"veryLow50pct": 15500, "low80pct": 24800, "hpBorrowerEligibility": 24800}, "ami2024": 26500, "amiChangeYoY": 4500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72133", "countyName": "Santa Isabel", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72135", "countyName": "Toa Alta", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72137", "countyName": "Toa Baja", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72139", "countyName": "Trujillo Alto", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72141", "countyName": "Utuado", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26500, "amiChangeYoY": -2400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72143", "countyName": "Vega Alta", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72145", "countyName": "Vega Baja", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72147", "countyName": "Vieques", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 24100, "incomeThresholds": {"veryLow50pct": 12050, "low80pct": 19280, "hpBorrowerEligibility": 19280}, "ami2024": 26400, "amiChangeYoY": -2300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72149", "countyName": "Villalba", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 24600, "amiChangeYoY": 5400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72151", "countyName": "Yabucoa", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 37700, "incomeThresholds": {"veryLow50pct": 18850, "low80pct": 30160, "hpBorrowerEligibility": 30160}, "ami2024": 34300, "amiChangeYoY": 3400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "72153", "countyName": "Yauco", "state": "PR", "stateName": "Puerto Rico", "isHighCost": false, "ami2025": 30000, "incomeThresholds": {"veryLow50pct": 15000, "low80pct": 24000, "hpBorrowerEligibility": 24000}, "ami2024": 26900, "amiChangeYoY": 3100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "44001", "countyName": "Bristol", "state": "RI", "stateName": "Rhode Island", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "44003", "countyName": "Kent", "state": "RI", "stateName": "Rhode Island", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "44005", "countyName": "Newport", "state": "RI", "stateName": "Rhode Island", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "44007", "countyName": "Providence", "state": "RI", "stateName": "Rhode Island", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 145, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "44009", "countyName": "Washington", "state": "RI", "stateName": "Rhode Island", "isHighCost": false, "ami2025": 115100, "incomeThresholds": {"veryLow50pct": 57550, "low80pct": 92080, "hpBorrowerEligibility": 92080}, "ami2024": 113200, "amiChangeYoY": 1900, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45001", "countyName": "Abbeville", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 72400, "incomeThresholds": {"veryLow50pct": 36200, "low80pct": 57920, "hpBorrowerEligibility": 57920}, "ami2024": 70700, "amiChangeYoY": 1700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45003", "countyName": "Aiken", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45005", "countyName": "Allendale", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45007", "countyName": "Anderson", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 84700, "amiChangeYoY": 8400, "totalCensusTracts": 51, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45009", "countyName": "Bamberg", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 63000, "amiChangeYoY": 7800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45011", "countyName": "Barnwell", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 67500, "amiChangeYoY": 3300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45013", "countyName": "Beaufort", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 111000, "incomeThresholds": {"veryLow50pct": 55500, "low80pct": 88800, "hpBorrowerEligibility": 88800}, "ami2024": 101800, "amiChangeYoY": 9200, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45015", "countyName": "Berkeley", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 105100, "amiChangeYoY": 5800, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45017", "countyName": "Calhoun", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45019", "countyName": "Charleston", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 105100, "amiChangeYoY": 5800, "totalCensusTracts": 99, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45021", "countyName": "Cherokee", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 72200, "incomeThresholds": {"veryLow50pct": 36100, "low80pct": 57760, "hpBorrowerEligibility": 57760}, "ami2024": 68200, "amiChangeYoY": 4000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45023", "countyName": "Chester", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45025", "countyName": "Chesterfield", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 63200, "amiChangeYoY": 7600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45027", "countyName": "Clarendon", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 71200, "incomeThresholds": {"veryLow50pct": 35600, "low80pct": 56960, "hpBorrowerEligibility": 56960}, "ami2024": 72500, "amiChangeYoY": -1300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45029", "countyName": "Colleton", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45031", "countyName": "Darlington", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 71500, "incomeThresholds": {"veryLow50pct": 35750, "low80pct": 57200, "hpBorrowerEligibility": 57200}, "ami2024": 75500, "amiChangeYoY": -4000, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45033", "countyName": "Dillon", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45035", "countyName": "Dorchester", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 110900, "incomeThresholds": {"veryLow50pct": 55450, "low80pct": 88720, "hpBorrowerEligibility": 88720}, "ami2024": 105100, "amiChangeYoY": 5800, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45037", "countyName": "Edgefield", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 88200, "incomeThresholds": {"veryLow50pct": 44100, "low80pct": 70560, "hpBorrowerEligibility": 70560}, "ami2024": 87100, "amiChangeYoY": 1100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45039", "countyName": "Fairfield", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45041", "countyName": "Florence", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 71500, "incomeThresholds": {"veryLow50pct": 35750, "low80pct": 57200, "hpBorrowerEligibility": 57200}, "ami2024": 75500, "amiChangeYoY": -4000, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45043", "countyName": "Georgetown", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 75900, "amiChangeYoY": 13500, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45045", "countyName": "Greenville", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 84700, "amiChangeYoY": 8400, "totalCensusTracts": 123, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45047", "countyName": "Greenwood", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 62300, "amiChangeYoY": 19600, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45049", "countyName": "Hampton", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45051", "countyName": "Horry", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 87200, "incomeThresholds": {"veryLow50pct": 43600, "low80pct": 69760, "hpBorrowerEligibility": 69760}, "ami2024": 82900, "amiChangeYoY": 4300, "totalCensusTracts": 78, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45053", "countyName": "Jasper", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 111000, "incomeThresholds": {"veryLow50pct": 55500, "low80pct": 88800, "hpBorrowerEligibility": 88800}, "ami2024": 101800, "amiChangeYoY": 9200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45055", "countyName": "Kershaw", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45057", "countyName": "Lancaster", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45059", "countyName": "Laurens", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 84700, "amiChangeYoY": 8400, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45061", "countyName": "Lee", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45063", "countyName": "Lexington", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 92, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45067", "countyName": "Marion", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45069", "countyName": "Marlboro", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45065", "countyName": "Mccormick", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 85800, "incomeThresholds": {"veryLow50pct": 42900, "low80pct": 68640, "hpBorrowerEligibility": 68640}, "ami2024": 81100, "amiChangeYoY": 4700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45071", "countyName": "Newberry", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74200, "amiChangeYoY": 5600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45073", "countyName": "Oconee", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 74100, "amiChangeYoY": 12500, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45075", "countyName": "Orangeburg", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45077", "countyName": "Pickens", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 84700, "amiChangeYoY": 8400, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45079", "countyName": "Richland", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 98, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45081", "countyName": "Saluda", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 92000, "incomeThresholds": {"veryLow50pct": 46000, "low80pct": 73600, "hpBorrowerEligibility": 73600}, "ami2024": 86300, "amiChangeYoY": 5700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45083", "countyName": "Spartanburg", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 80900, "incomeThresholds": {"veryLow50pct": 40450, "low80pct": 64720, "hpBorrowerEligibility": 64720}, "ami2024": 72500, "amiChangeYoY": 8400, "totalCensusTracts": 87, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45085", "countyName": "Sumter", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70200, "incomeThresholds": {"veryLow50pct": 35100, "low80pct": 56160, "hpBorrowerEligibility": 56160}, "ami2024": 72500, "amiChangeYoY": -2300, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45087", "countyName": "Union", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 80900, "incomeThresholds": {"veryLow50pct": 40450, "low80pct": 64720, "hpBorrowerEligibility": 64720}, "ami2024": 61900, "amiChangeYoY": 19000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45089", "countyName": "Williamsburg", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 70800, "incomeThresholds": {"veryLow50pct": 35400, "low80pct": 56640, "hpBorrowerEligibility": 56640}, "ami2024": 62300, "amiChangeYoY": 8500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "45091", "countyName": "York", "state": "SC", "stateName": "South Carolina", "isHighCost": false, "ami2025": 108800, "incomeThresholds": {"veryLow50pct": 54400, "low80pct": 87040, "hpBorrowerEligibility": 87040}, "ami2024": 100300, "amiChangeYoY": 8500, "totalCensusTracts": 55, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46003", "countyName": "Aurora", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 90900, "amiChangeYoY": 3000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46005", "countyName": "Beadle", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46007", "countyName": "Bennett", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46009", "countyName": "Bon\nHomme", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46011", "countyName": "Brookings", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 113300, "incomeThresholds": {"veryLow50pct": 56650, "low80pct": 90640, "hpBorrowerEligibility": 90640}, "ami2024": 106500, "amiChangeYoY": 6800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46013", "countyName": "Brown", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 105400, "incomeThresholds": {"veryLow50pct": 52700, "low80pct": 84320, "hpBorrowerEligibility": 84320}, "ami2024": 102500, "amiChangeYoY": 2900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46015", "countyName": "Brule", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 109200, "incomeThresholds": {"veryLow50pct": 54600, "low80pct": 87360, "hpBorrowerEligibility": 87360}, "ami2024": 91400, "amiChangeYoY": 17800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46017", "countyName": "Buffalo", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46019", "countyName": "Butte", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 89900, "amiChangeYoY": 14300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46021", "countyName": "Campbell", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 96000, "amiChangeYoY": 6000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46023", "countyName": "Charles Mix", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46025", "countyName": "Clark", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46027", "countyName": "Clay", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 103700, "incomeThresholds": {"veryLow50pct": 51850, "low80pct": 82960, "hpBorrowerEligibility": 82960}, "ami2024": 95000, "amiChangeYoY": 8700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46029", "countyName": "Codington", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 93600, "amiChangeYoY": 300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46031", "countyName": "Corson", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46033", "countyName": "Custer", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95100, "amiChangeYoY": 6900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46035", "countyName": "Davison", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 99000, "incomeThresholds": {"veryLow50pct": 49500, "low80pct": 79200, "hpBorrowerEligibility": 79200}, "ami2024": 91300, "amiChangeYoY": 7700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46037", "countyName": "Day", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46039", "countyName": "Deuel", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 100300, "incomeThresholds": {"veryLow50pct": 50150, "low80pct": 80240, "hpBorrowerEligibility": 80240}, "ami2024": 91200, "amiChangeYoY": 9100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46041", "countyName": "Dewey", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46043", "countyName": "Douglas", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 100200, "incomeThresholds": {"veryLow50pct": 50100, "low80pct": 80160, "hpBorrowerEligibility": 80160}, "ami2024": 96900, "amiChangeYoY": 3300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46045", "countyName": "Edmunds", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 97900, "incomeThresholds": {"veryLow50pct": 48950, "low80pct": 78320, "hpBorrowerEligibility": 78320}, "ami2024": 93900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46047", "countyName": "Fall River", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46049", "countyName": "Faulk", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 104400, "incomeThresholds": {"veryLow50pct": 52200, "low80pct": 83520, "hpBorrowerEligibility": 83520}, "ami2024": 95900, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46051", "countyName": "Grant", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 101700, "incomeThresholds": {"veryLow50pct": 50850, "low80pct": 81360, "hpBorrowerEligibility": 81360}, "ami2024": 93100, "amiChangeYoY": 8600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46053", "countyName": "Gregory", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46055", "countyName": "Haakon", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46057", "countyName": "Hamlin", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 89900, "amiChangeYoY": 9400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46059", "countyName": "Hand", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 105100, "amiChangeYoY": 8300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46061", "countyName": "Hanson", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 106800, "incomeThresholds": {"veryLow50pct": 53400, "low80pct": 85440, "hpBorrowerEligibility": 85440}, "ami2024": 101200, "amiChangeYoY": 5600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46063", "countyName": "Harding", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46065", "countyName": "Hughes", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102200, "incomeThresholds": {"veryLow50pct": 51100, "low80pct": 81760, "hpBorrowerEligibility": 81760}, "ami2024": 98900, "amiChangeYoY": 3300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46067", "countyName": "Hutchinson", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 109800, "incomeThresholds": {"veryLow50pct": 54900, "low80pct": 87840, "hpBorrowerEligibility": 87840}, "ami2024": 97200, "amiChangeYoY": 12600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46069", "countyName": "Hyde", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 100500, "incomeThresholds": {"veryLow50pct": 50250, "low80pct": 80400, "hpBorrowerEligibility": 80400}, "ami2024": 89900, "amiChangeYoY": 10600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46071", "countyName": "Jackson", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46073", "countyName": "Jerauld", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 101300, "incomeThresholds": {"veryLow50pct": 50650, "low80pct": 81040, "hpBorrowerEligibility": 81040}, "ami2024": 94000, "amiChangeYoY": 7300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46075", "countyName": "Jones", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46077", "countyName": "Kingsbury", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102500, "incomeThresholds": {"veryLow50pct": 51250, "low80pct": 82000, "hpBorrowerEligibility": 82000}, "ami2024": 90600, "amiChangeYoY": 11900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46079", "countyName": "Lake", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 103000, "incomeThresholds": {"veryLow50pct": 51500, "low80pct": 82400, "hpBorrowerEligibility": 82400}, "ami2024": 96400, "amiChangeYoY": 6600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46081", "countyName": "Lawrence", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 91100, "amiChangeYoY": 5000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46083", "countyName": "Lincoln", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 111800, "incomeThresholds": {"veryLow50pct": 55900, "low80pct": 89440, "hpBorrowerEligibility": 89440}, "ami2024": 107600, "amiChangeYoY": 4200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46085", "countyName": "Lyman", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46091", "countyName": "Marshall", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 111900, "incomeThresholds": {"veryLow50pct": 55950, "low80pct": 89520, "hpBorrowerEligibility": 89520}, "ami2024": 106500, "amiChangeYoY": 5400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46087", "countyName": "Mccook", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 111800, "incomeThresholds": {"veryLow50pct": 55900, "low80pct": 89440, "hpBorrowerEligibility": 89440}, "ami2024": 107600, "amiChangeYoY": 4200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46089", "countyName": "Mcpherson", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46093", "countyName": "Meade", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 88300, "amiChangeYoY": 13700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46095", "countyName": "Mellette", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46097", "countyName": "Miner", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 110300, "incomeThresholds": {"veryLow50pct": 55150, "low80pct": 88240, "hpBorrowerEligibility": 88240}, "ami2024": 93400, "amiChangeYoY": 16900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46099", "countyName": "Minnehaha", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 111800, "incomeThresholds": {"veryLow50pct": 55900, "low80pct": 89440, "hpBorrowerEligibility": 89440}, "ami2024": 107600, "amiChangeYoY": 4200, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46101", "countyName": "Moody", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 105200, "incomeThresholds": {"veryLow50pct": 52600, "low80pct": 84160, "hpBorrowerEligibility": 84160}, "ami2024": 97300, "amiChangeYoY": 7900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46102", "countyName": "Oglala\nLakota", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46103", "countyName": "Pennington", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 88300, "amiChangeYoY": 13700, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46105", "countyName": "Perkins", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46107", "countyName": "Potter", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 100300, "incomeThresholds": {"veryLow50pct": 50150, "low80pct": 80240, "hpBorrowerEligibility": 80240}, "ami2024": 95300, "amiChangeYoY": 5000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46109", "countyName": "Roberts", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46111", "countyName": "Sanborn", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 98900, "incomeThresholds": {"veryLow50pct": 49450, "low80pct": 79120, "hpBorrowerEligibility": 79120}, "ami2024": 89900, "amiChangeYoY": 9000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46115", "countyName": "Spink", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 102100, "incomeThresholds": {"veryLow50pct": 51050, "low80pct": 81680, "hpBorrowerEligibility": 81680}, "ami2024": 95500, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46117", "countyName": "Stanley", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 118400, "incomeThresholds": {"veryLow50pct": 59200, "low80pct": 94720, "hpBorrowerEligibility": 94720}, "ami2024": 111100, "amiChangeYoY": 7300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46119", "countyName": "Sully", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 101400, "incomeThresholds": {"veryLow50pct": 50700, "low80pct": 81120, "hpBorrowerEligibility": 81120}, "ami2024": 93600, "amiChangeYoY": 7800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46121", "countyName": "Todd", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46123", "countyName": "Tripp", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46125", "countyName": "Turner", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 111800, "incomeThresholds": {"veryLow50pct": 55900, "low80pct": 89440, "hpBorrowerEligibility": 89440}, "ami2024": 107600, "amiChangeYoY": 4200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46127", "countyName": "Union", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 90100, "incomeThresholds": {"veryLow50pct": 45050, "low80pct": 72080, "hpBorrowerEligibility": 72080}, "ami2024": 92500, "amiChangeYoY": -2400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46129", "countyName": "Walworth", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46135", "countyName": "Yankton", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 105000, "incomeThresholds": {"veryLow50pct": 52500, "low80pct": 84000, "hpBorrowerEligibility": 84000}, "ami2024": 96400, "amiChangeYoY": 8600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "46137", "countyName": "Ziebach", "state": "SD", "stateName": "South Dakota", "isHighCost": false, "ami2025": 93900, "incomeThresholds": {"veryLow50pct": 46950, "low80pct": 75120, "hpBorrowerEligibility": 75120}, "ami2024": 89900, "amiChangeYoY": 4000, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47001", "countyName": "Anderson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47003", "countyName": "Bedford", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 78500, "incomeThresholds": {"veryLow50pct": 39250, "low80pct": 62800, "hpBorrowerEligibility": 62800}, "ami2024": 75600, "amiChangeYoY": 2900, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47005", "countyName": "Benton", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 69900, "amiChangeYoY": 5700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47007", "countyName": "Bledsoe", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47009", "countyName": "Blount", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47011", "countyName": "Bradley", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 80800, "amiChangeYoY": 3900, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47013", "countyName": "Campbell", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47015", "countyName": "Cannon", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47017", "countyName": "Carroll", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 72800, "amiChangeYoY": 6200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47019", "countyName": "Carter", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84800, "incomeThresholds": {"veryLow50pct": 42400, "low80pct": 67840, "hpBorrowerEligibility": 67840}, "ami2024": 80100, "amiChangeYoY": 4700, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47021", "countyName": "Cheatham", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47023", "countyName": "Chester", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 81000, "amiChangeYoY": -1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47025", "countyName": "Claiborne", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47027", "countyName": "Clay", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47029", "countyName": "Cocke", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47031", "countyName": "Coffee", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 76400, "incomeThresholds": {"veryLow50pct": 38200, "low80pct": 61120, "hpBorrowerEligibility": 61120}, "ami2024": 72800, "amiChangeYoY": 3600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47033", "countyName": "Crockett", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 81000, "amiChangeYoY": -1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47035", "countyName": "Cumberland", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 71000, "amiChangeYoY": 4600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47037", "countyName": "Davidson", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 174, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47039", "countyName": "Decatur", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47041", "countyName": "Dekalb", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47043", "countyName": "Dickson", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47045", "countyName": "Dyer", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 70300, "amiChangeYoY": 5300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47047", "countyName": "Fayette", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47049", "countyName": "Fentress", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47051", "countyName": "Franklin", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 77000, "amiChangeYoY": 6000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47053", "countyName": "Gibson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 81000, "amiChangeYoY": -1900, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47055", "countyName": "Giles", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 89200, "incomeThresholds": {"veryLow50pct": 44600, "low80pct": 71360, "hpBorrowerEligibility": 71360}, "ami2024": 79600, "amiChangeYoY": 9600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47057", "countyName": "Grainger", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 78300, "amiChangeYoY": 21100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47059", "countyName": "Greene", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 78300, "incomeThresholds": {"veryLow50pct": 39150, "low80pct": 62640, "hpBorrowerEligibility": 62640}, "ami2024": 68600, "amiChangeYoY": 9700, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47061", "countyName": "Grundy", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47063", "countyName": "Hamblen", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 78300, "amiChangeYoY": -3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47065", "countyName": "Hamilton", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 87, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47067", "countyName": "Hancock", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47069", "countyName": "Hardeman", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47071", "countyName": "Hardin", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47073", "countyName": "Hawkins", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 70300, "amiChangeYoY": 8700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47075", "countyName": "Haywood", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47077", "countyName": "Henderson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 77500, "incomeThresholds": {"veryLow50pct": 38750, "low80pct": 62000, "hpBorrowerEligibility": 62000}, "ami2024": 71900, "amiChangeYoY": 5600, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47079", "countyName": "Henry", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47081", "countyName": "Hickman", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 69000, "amiChangeYoY": 43200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47083", "countyName": "Houston", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 77400, "incomeThresholds": {"veryLow50pct": 38700, "low80pct": 61920, "hpBorrowerEligibility": 61920}, "ami2024": 77500, "amiChangeYoY": -100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47085", "countyName": "Humphreys", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 74100, "amiChangeYoY": 7600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47087", "countyName": "Jackson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68900, "amiChangeYoY": 6700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47089", "countyName": "Jefferson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 78300, "amiChangeYoY": -3100, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47091", "countyName": "Johnson", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47093", "countyName": "Knox", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 121, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47095", "countyName": "Lake", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47097", "countyName": "Lauderdale", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47099", "countyName": "Lawrence", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 70300, "amiChangeYoY": 5300, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47101", "countyName": "Lewis", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 76300, "incomeThresholds": {"veryLow50pct": 38150, "low80pct": 61040, "hpBorrowerEligibility": 61040}, "ami2024": 68600, "amiChangeYoY": 7700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47103", "countyName": "Lincoln", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84500, "incomeThresholds": {"veryLow50pct": 42250, "low80pct": 67600, "hpBorrowerEligibility": 67600}, "ami2024": 87100, "amiChangeYoY": -2600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47105", "countyName": "Loudon", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47111", "countyName": "Macon", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47113", "countyName": "Madison", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 81000, "amiChangeYoY": -1900, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47115", "countyName": "Marion", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47117", "countyName": "Marshall", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 95100, "incomeThresholds": {"veryLow50pct": 47550, "low80pct": 76080, "hpBorrowerEligibility": 76080}, "ami2024": 83400, "amiChangeYoY": 11700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47119", "countyName": "Maury", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47107", "countyName": "Mcminn", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 77800, "incomeThresholds": {"veryLow50pct": 38900, "low80pct": 62240, "hpBorrowerEligibility": 62240}, "ami2024": 73700, "amiChangeYoY": 4100, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47109", "countyName": "Mcnairy", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47121", "countyName": "Meigs", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 78000, "incomeThresholds": {"veryLow50pct": 39000, "low80pct": 62400, "hpBorrowerEligibility": 62400}, "ami2024": 71600, "amiChangeYoY": 6400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47123", "countyName": "Monroe", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 72900, "amiChangeYoY": 6900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47125", "countyName": "Montgomery", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 85000, "amiChangeYoY": 4500, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47127", "countyName": "Moore", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 87500, "amiChangeYoY": 2800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47129", "countyName": "Morgan", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47131", "countyName": "Obion", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 70200, "amiChangeYoY": 5400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47133", "countyName": "Overton", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 70700, "amiChangeYoY": 4900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47135", "countyName": "Perry", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47137", "countyName": "Pickett", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47139", "countyName": "Polk", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 80800, "amiChangeYoY": 3900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47141", "countyName": "Putnam", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 73000, "amiChangeYoY": 13800, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47143", "countyName": "Rhea", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47145", "countyName": "Roane", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47147", "countyName": "Robertson", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47149", "countyName": "Rutherford", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 64, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47151", "countyName": "Scott", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47153", "countyName": "Sequatchie", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 95600, "incomeThresholds": {"veryLow50pct": 47800, "low80pct": 76480, "hpBorrowerEligibility": 76480}, "ami2024": 92100, "amiChangeYoY": 3500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47155", "countyName": "Sevier", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 80000, "incomeThresholds": {"veryLow50pct": 40000, "low80pct": 64000, "hpBorrowerEligibility": 64000}, "ami2024": 76700, "amiChangeYoY": 3300, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47157", "countyName": "Shelby", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 249, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47159", "countyName": "Smith", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47161", "countyName": "Stewart", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 89500, "incomeThresholds": {"veryLow50pct": 44750, "low80pct": 71600, "hpBorrowerEligibility": 71600}, "ami2024": 85000, "amiChangeYoY": 4500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47163", "countyName": "Sullivan", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 70300, "amiChangeYoY": 8700, "totalCensusTracts": 40, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47165", "countyName": "Sumner", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47167", "countyName": "Tipton", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 84000, "amiChangeYoY": 6500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47169", "countyName": "Trousdale", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47171", "countyName": "Unicoi", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84800, "incomeThresholds": {"veryLow50pct": 42400, "low80pct": 67840, "hpBorrowerEligibility": 67840}, "ami2024": 80100, "amiChangeYoY": 4700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47173", "countyName": "Union", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 89000, "amiChangeYoY": 10400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47175", "countyName": "Van Buren", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47177", "countyName": "Warren", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47179", "countyName": "Washington", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 84800, "incomeThresholds": {"veryLow50pct": 42400, "low80pct": 67840, "hpBorrowerEligibility": 67840}, "ami2024": 80100, "amiChangeYoY": 4700, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47181", "countyName": "Wayne", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47183", "countyName": "Weakley", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 69200, "amiChangeYoY": 6400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47185", "countyName": "White", "state": "TN", "stateName": "Tennessee", "isHighCost": false, "ami2025": 75600, "incomeThresholds": {"veryLow50pct": 37800, "low80pct": 60480, "hpBorrowerEligibility": 60480}, "ami2024": 68600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47187", "countyName": "Williamson", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "47189", "countyName": "Wilson", "state": "TN", "stateName": "Tennessee", "isHighCost": true, "ami2025": 112200, "incomeThresholds": {"veryLow50pct": 56100, "low80pct": 89760, "hpBorrowerEligibility": 89760}, "ami2024": 104700, "amiChangeYoY": 7500, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48001", "countyName": "Anderson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48003", "countyName": "Andrews", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 97300, "incomeThresholds": {"veryLow50pct": 48650, "low80pct": 77840, "hpBorrowerEligibility": 77840}, "ami2024": 99600, "amiChangeYoY": -2300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48005", "countyName": "Angelina", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48007", "countyName": "Aransas", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 76300, "amiChangeYoY": 6500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48009", "countyName": "Archer", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 81400, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48011", "countyName": "Armstrong", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 87600, "amiChangeYoY": 11900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48013", "countyName": "Atascosa", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48015", "countyName": "Austin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48017", "countyName": "Bailey", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 90900, "incomeThresholds": {"veryLow50pct": 45450, "low80pct": 72720, "hpBorrowerEligibility": 72720}, "ami2024": 84900, "amiChangeYoY": 6000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48019", "countyName": "Bandera", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48021", "countyName": "Bastrop", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133800, "incomeThresholds": {"veryLow50pct": 66900, "low80pct": 107040, "hpBorrowerEligibility": 107040}, "ami2024": 126000, "amiChangeYoY": 7800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48023", "countyName": "Baylor", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48025", "countyName": "Bee", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 80800, "incomeThresholds": {"veryLow50pct": 40400, "low80pct": 64640, "hpBorrowerEligibility": 64640}, "ami2024": 75000, "amiChangeYoY": 5800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48027", "countyName": "Bell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 75800, "amiChangeYoY": 13600, "totalCensusTracts": 87, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48029", "countyName": "Bexar", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 375, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48031", "countyName": "Blanco", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 105500, "incomeThresholds": {"veryLow50pct": 52750, "low80pct": 84400, "hpBorrowerEligibility": 84400}, "ami2024": 101200, "amiChangeYoY": 4300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48033", "countyName": "Borden", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 107200, "amiChangeYoY": -27800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48035", "countyName": "Bosque", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 81800, "amiChangeYoY": 5000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48037", "countyName": "Bowie", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 71100, "incomeThresholds": {"veryLow50pct": 35550, "low80pct": 56880, "hpBorrowerEligibility": 56880}, "ami2024": 67800, "amiChangeYoY": 3300, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48039", "countyName": "Brazoria", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 78, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48041", "countyName": "Brazos", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 93400, "amiChangeYoY": -4900, "totalCensusTracts": 63, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48043", "countyName": "Brewster", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79700, "incomeThresholds": {"veryLow50pct": 39850, "low80pct": 63760, "hpBorrowerEligibility": 63760}, "ami2024": 75500, "amiChangeYoY": 4200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48045", "countyName": "Briscoe", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48047", "countyName": "Brooks", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48049", "countyName": "Brown", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48051", "countyName": "Burleson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 93400, "amiChangeYoY": -4900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48053", "countyName": "Burnet", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 100400, "incomeThresholds": {"veryLow50pct": 50200, "low80pct": 80320, "hpBorrowerEligibility": 80320}, "ami2024": 92500, "amiChangeYoY": 7900, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48055", "countyName": "Caldwell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133800, "incomeThresholds": {"veryLow50pct": 66900, "low80pct": 107040, "hpBorrowerEligibility": 107040}, "ami2024": 126000, "amiChangeYoY": 7800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48057", "countyName": "Calhoun", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 91600, "incomeThresholds": {"veryLow50pct": 45800, "low80pct": 73280, "hpBorrowerEligibility": 73280}, "ami2024": 86300, "amiChangeYoY": 5300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48059", "countyName": "Callahan", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85600, "amiChangeYoY": 1700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48061", "countyName": "Cameron", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 66500, "incomeThresholds": {"veryLow50pct": 33250, "low80pct": 53200, "hpBorrowerEligibility": 53200}, "ami2024": 60400, "amiChangeYoY": 6100, "totalCensusTracts": 122, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48063", "countyName": "Camp", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48065", "countyName": "Carson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 87600, "amiChangeYoY": 11900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48067", "countyName": "Cass", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48069", "countyName": "Castro", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48071", "countyName": "Chambers", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48073", "countyName": "Cherokee", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48075", "countyName": "Childress", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48077", "countyName": "Clay", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 81400, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48079", "countyName": "Cochran", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 56300, "amiChangeYoY": 22800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48081", "countyName": "Coke", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48083", "countyName": "Coleman", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48085", "countyName": "Collin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 220, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48087", "countyName": "Collingsworth", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48089", "countyName": "Colorado", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 97600, "incomeThresholds": {"veryLow50pct": 48800, "low80pct": 78080, "hpBorrowerEligibility": 78080}, "ami2024": 78100, "amiChangeYoY": 19500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48091", "countyName": "Comal", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48093", "countyName": "Comanche", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88600, "incomeThresholds": {"veryLow50pct": 44300, "low80pct": 70880, "hpBorrowerEligibility": 70880}, "ami2024": 86100, "amiChangeYoY": 2500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48095", "countyName": "Concho", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 80600, "amiChangeYoY": -1200, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48097", "countyName": "Cooke", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 90400, "amiChangeYoY": 8100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48099", "countyName": "Coryell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 75800, "amiChangeYoY": 13600, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48101", "countyName": "Cottle", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48103", "countyName": "Crane", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89700, "incomeThresholds": {"veryLow50pct": 44850, "low80pct": 71760, "hpBorrowerEligibility": 71760}, "ami2024": 88300, "amiChangeYoY": 1400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48105", "countyName": "Crockett", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48107", "countyName": "Crosby", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 85800, "amiChangeYoY": -6700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48109", "countyName": "Culberson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48111", "countyName": "Dallam", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88900, "incomeThresholds": {"veryLow50pct": 44450, "low80pct": 71120, "hpBorrowerEligibility": 71120}, "ami2024": 93500, "amiChangeYoY": -4600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48113", "countyName": "Dallas", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 645, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48115", "countyName": "Dawson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48117", "countyName": "Deaf Smith", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48119", "countyName": "Delta", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 91700, "incomeThresholds": {"veryLow50pct": 45850, "low80pct": 73360, "hpBorrowerEligibility": 73360}, "ami2024": 87800, "amiChangeYoY": 3900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48121", "countyName": "Denton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 193, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48123", "countyName": "Dewitt", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48125", "countyName": "Dickens", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48127", "countyName": "Dimmit", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48129", "countyName": "Donley", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 77900, "amiChangeYoY": 6500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48131", "countyName": "Duval", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48133", "countyName": "Eastland", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75200, "amiChangeYoY": 4200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48135", "countyName": "Ector", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 90700, "incomeThresholds": {"veryLow50pct": 45350, "low80pct": 72560, "hpBorrowerEligibility": 72560}, "ami2024": 82000, "amiChangeYoY": 8700, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48137", "countyName": "Edwards", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48141", "countyName": "El Paso", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 72900, "incomeThresholds": {"veryLow50pct": 36450, "low80pct": 58320, "hpBorrowerEligibility": 58320}, "ami2024": 63100, "amiChangeYoY": 9800, "totalCensusTracts": 188, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48139", "countyName": "Ellis", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48143", "countyName": "Erath", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 92200, "incomeThresholds": {"veryLow50pct": 46100, "low80pct": 73760, "hpBorrowerEligibility": 73760}, "ami2024": 87500, "amiChangeYoY": 4700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48145", "countyName": "Falls", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 83100, "amiChangeYoY": 3700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48147", "countyName": "Fannin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 90400, "incomeThresholds": {"veryLow50pct": 45200, "low80pct": 72320, "hpBorrowerEligibility": 72320}, "ami2024": 86300, "amiChangeYoY": 4100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48149", "countyName": "Fayette", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102100, "incomeThresholds": {"veryLow50pct": 51050, "low80pct": 81680, "hpBorrowerEligibility": 81680}, "ami2024": 94400, "amiChangeYoY": 7700, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48151", "countyName": "Fisher", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81900, "incomeThresholds": {"veryLow50pct": 40950, "low80pct": 65520, "hpBorrowerEligibility": 65520}, "ami2024": 75000, "amiChangeYoY": 6900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48153", "countyName": "Floyd", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48155", "countyName": "Foard", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48157", "countyName": "Fort Bend", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 133, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48159", "countyName": "Franklin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82300, "incomeThresholds": {"veryLow50pct": 41150, "low80pct": 65840, "hpBorrowerEligibility": 65840}, "ami2024": 77900, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48161", "countyName": "Freestone", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87600, "incomeThresholds": {"veryLow50pct": 43800, "low80pct": 70080, "hpBorrowerEligibility": 70080}, "ami2024": 85000, "amiChangeYoY": 2600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48163", "countyName": "Frio", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48165", "countyName": "Gaines", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 90400, "amiChangeYoY": 9500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48167", "countyName": "Galveston", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 103, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48169", "countyName": "Garza", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 88800, "amiChangeYoY": -9700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48171", "countyName": "Gillespie", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 101100, "incomeThresholds": {"veryLow50pct": 50550, "low80pct": 80880, "hpBorrowerEligibility": 80880}, "ami2024": 99000, "amiChangeYoY": 2100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48173", "countyName": "Glasscock", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133000, "incomeThresholds": {"veryLow50pct": 66500, "low80pct": 106400, "hpBorrowerEligibility": 106400}, "ami2024": 117400, "amiChangeYoY": 15600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48175", "countyName": "Goliad", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 88300, "amiChangeYoY": -1500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48177", "countyName": "Gonzales", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48179", "countyName": "Gray", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48181", "countyName": "Grayson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 92100, "amiChangeYoY": 6200, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48183", "countyName": "Gregg", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88100, "incomeThresholds": {"veryLow50pct": 44050, "low80pct": 70480, "hpBorrowerEligibility": 70480}, "ami2024": 79100, "amiChangeYoY": 9000, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48185", "countyName": "Grimes", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 84700, "amiChangeYoY": 3600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48187", "countyName": "Guadalupe", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48189", "countyName": "Hale", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48191", "countyName": "Hall", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48193", "countyName": "Hamilton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 81500, "amiChangeYoY": 2100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48195", "countyName": "Hansford", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102400, "incomeThresholds": {"veryLow50pct": 51200, "low80pct": 81920, "hpBorrowerEligibility": 81920}, "ami2024": 94000, "amiChangeYoY": 8400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48197", "countyName": "Hardeman", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75800, "amiChangeYoY": 3600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48199", "countyName": "Hardin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 79700, "amiChangeYoY": 4700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48201", "countyName": "Harris", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 1115, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48203", "countyName": "Harrison", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88100, "incomeThresholds": {"veryLow50pct": 44050, "low80pct": 70480, "hpBorrowerEligibility": 70480}, "ami2024": 79100, "amiChangeYoY": 9000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48205", "countyName": "Hartley", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 112300, "amiChangeYoY": -13800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48207", "countyName": "Haskell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48209", "countyName": "Hays", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133800, "incomeThresholds": {"veryLow50pct": 66900, "low80pct": 107040, "hpBorrowerEligibility": 107040}, "ami2024": 126000, "amiChangeYoY": 7800, "totalCensusTracts": 46, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48211", "countyName": "Hemphill", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 122700, "incomeThresholds": {"veryLow50pct": 61350, "low80pct": 98160, "hpBorrowerEligibility": 98160}, "ami2024": 114400, "amiChangeYoY": 8300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48213", "countyName": "Henderson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 82200, "amiChangeYoY": 4900, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48215", "countyName": "Hidalgo", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 63300, "incomeThresholds": {"veryLow50pct": 31650, "low80pct": 50640, "hpBorrowerEligibility": 50640}, "ami2024": 57300, "amiChangeYoY": 6000, "totalCensusTracts": 212, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48217", "countyName": "Hill", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84800, "incomeThresholds": {"veryLow50pct": 42400, "low80pct": 67840, "hpBorrowerEligibility": 67840}, "ami2024": 78000, "amiChangeYoY": 6800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48219", "countyName": "Hockley", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 70200, "amiChangeYoY": 8900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48221", "countyName": "Hood", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 114000, "incomeThresholds": {"veryLow50pct": 57000, "low80pct": 91200, "hpBorrowerEligibility": 91200}, "ami2024": 88300, "amiChangeYoY": 25700, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48223", "countyName": "Hopkins", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 85300, "incomeThresholds": {"veryLow50pct": 42650, "low80pct": 68240, "hpBorrowerEligibility": 68240}, "ami2024": 83200, "amiChangeYoY": 2100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48225", "countyName": "Houston", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48227", "countyName": "Howard", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 93100, "incomeThresholds": {"veryLow50pct": 46550, "low80pct": 74480, "hpBorrowerEligibility": 74480}, "ami2024": 85100, "amiChangeYoY": 8000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48229", "countyName": "Hudspeth", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 72900, "incomeThresholds": {"veryLow50pct": 36450, "low80pct": 58320, "hpBorrowerEligibility": 58320}, "ami2024": 63100, "amiChangeYoY": 9800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48231", "countyName": "Hunt", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48233", "countyName": "Hutchinson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 97100, "incomeThresholds": {"veryLow50pct": 48550, "low80pct": 77680, "hpBorrowerEligibility": 77680}, "ami2024": 85900, "amiChangeYoY": 11200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48235", "countyName": "Irion", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81800, "incomeThresholds": {"veryLow50pct": 40900, "low80pct": 65440, "hpBorrowerEligibility": 65440}, "ami2024": 78000, "amiChangeYoY": 3800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48237", "countyName": "Jack", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81000, "incomeThresholds": {"veryLow50pct": 40500, "low80pct": 64800, "hpBorrowerEligibility": 64800}, "ami2024": 76500, "amiChangeYoY": 4500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48239", "countyName": "Jackson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 80600, "incomeThresholds": {"veryLow50pct": 40300, "low80pct": 64480, "hpBorrowerEligibility": 64480}, "ami2024": 82400, "amiChangeYoY": -1800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48241", "countyName": "Jasper", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48243", "countyName": "Jeff Davis", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48245", "countyName": "Jefferson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 79700, "amiChangeYoY": 4700, "totalCensusTracts": 77, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48247", "countyName": "Jim Hogg", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48249", "countyName": "Jim Wells", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48251", "countyName": "Johnson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 39, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48253", "countyName": "Jones", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85600, "amiChangeYoY": 1700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48255", "countyName": "Karnes", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 76900, "amiChangeYoY": 2500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48257", "countyName": "Kaufman", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48259", "countyName": "Kendall", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48261", "countyName": "Kenedy", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48263", "countyName": "Kent", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99400, "incomeThresholds": {"veryLow50pct": 49700, "low80pct": 79520, "hpBorrowerEligibility": 79520}, "ami2024": 94000, "amiChangeYoY": 5400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48265", "countyName": "Kerr", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 91600, "incomeThresholds": {"veryLow50pct": 45800, "low80pct": 73280, "hpBorrowerEligibility": 73280}, "ami2024": 86500, "amiChangeYoY": 5100, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48267", "countyName": "Kimble", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 88000, "amiChangeYoY": 11900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48269", "countyName": "King", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48271", "countyName": "Kinney", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48273", "countyName": "Kleberg", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48275", "countyName": "Knox", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48283", "countyName": "La Salle", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48277", "countyName": "Lamar", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81100, "incomeThresholds": {"veryLow50pct": 40550, "low80pct": 64880, "hpBorrowerEligibility": 64880}, "ami2024": 75600, "amiChangeYoY": 5500, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48279", "countyName": "Lamb", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48281", "countyName": "Lampasas", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89400, "incomeThresholds": {"veryLow50pct": 44700, "low80pct": 71520, "hpBorrowerEligibility": 71520}, "ami2024": 75800, "amiChangeYoY": 13600, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48285", "countyName": "Lavaca", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 93700, "incomeThresholds": {"veryLow50pct": 46850, "low80pct": 74960, "hpBorrowerEligibility": 74960}, "ami2024": 85900, "amiChangeYoY": 7800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48287", "countyName": "Lee", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81700, "incomeThresholds": {"veryLow50pct": 40850, "low80pct": 65360, "hpBorrowerEligibility": 65360}, "ami2024": 76400, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48289", "countyName": "Leon", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 75000, "amiChangeYoY": 6400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48291", "countyName": "Liberty", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48293", "countyName": "Limestone", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48295", "countyName": "Lipscomb", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 91800, "incomeThresholds": {"veryLow50pct": 45900, "low80pct": 73440, "hpBorrowerEligibility": 73440}, "ami2024": 81500, "amiChangeYoY": 10300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48297", "countyName": "Live Oak", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48299", "countyName": "Llano", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87800, "incomeThresholds": {"veryLow50pct": 43900, "low80pct": 70240, "hpBorrowerEligibility": 70240}, "ami2024": 82900, "amiChangeYoY": 4900, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48301", "countyName": "Loving", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48303", "countyName": "Lubbock", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 85800, "amiChangeYoY": -6700, "totalCensusTracts": 106, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48305", "countyName": "Lynn", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79100, "incomeThresholds": {"veryLow50pct": 39550, "low80pct": 63280, "hpBorrowerEligibility": 63280}, "ami2024": 85800, "amiChangeYoY": -6700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48313", "countyName": "Madison", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 79400, "amiChangeYoY": 4600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48315", "countyName": "Marion", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48317", "countyName": "Martin", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 91500, "amiChangeYoY": 26100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48319", "countyName": "Mason", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 103100, "incomeThresholds": {"veryLow50pct": 51550, "low80pct": 82480, "hpBorrowerEligibility": 82480}, "ami2024": 103100, "amiChangeYoY": 0, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48321", "countyName": "Matagorda", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48323", "countyName": "Maverick", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 54000, "incomeThresholds": {"veryLow50pct": 27000, "low80pct": 43200, "hpBorrowerEligibility": 43200}, "ami2024": 62300, "amiChangeYoY": -8300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48307", "countyName": "Mcculloch", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 75000, "amiChangeYoY": 6400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48309", "countyName": "Mclennan", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 83100, "amiChangeYoY": 3700, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48311", "countyName": "Mcmullen", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 79000, "amiChangeYoY": 400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48325", "countyName": "Medina", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48327", "countyName": "Menard", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 80900, "amiChangeYoY": 6600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48329", "countyName": "Midland", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 91500, "amiChangeYoY": 26100, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48331", "countyName": "Milam", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82600, "incomeThresholds": {"veryLow50pct": 41300, "low80pct": 66080, "hpBorrowerEligibility": 66080}, "ami2024": 76500, "amiChangeYoY": 6100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48333", "countyName": "Mills", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 82700, "amiChangeYoY": 1700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48335", "countyName": "Mitchell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 104700, "incomeThresholds": {"veryLow50pct": 52350, "low80pct": 83760, "hpBorrowerEligibility": 83760}, "ami2024": 94500, "amiChangeYoY": 10200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48337", "countyName": "Montague", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 84700, "amiChangeYoY": 800, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48339", "countyName": "Montgomery", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 133, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48341", "countyName": "Moore", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48343", "countyName": "Morris", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48345", "countyName": "Motley", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79700, "incomeThresholds": {"veryLow50pct": 39850, "low80pct": 63760, "hpBorrowerEligibility": 63760}, "ami2024": 75000, "amiChangeYoY": 4700, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48347", "countyName": "Nacogdoches", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 75000, "amiChangeYoY": 4800, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48349", "countyName": "Navarro", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81200, "incomeThresholds": {"veryLow50pct": 40600, "low80pct": 64960, "hpBorrowerEligibility": 64960}, "ami2024": 75500, "amiChangeYoY": 5700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48351", "countyName": "Newton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48353", "countyName": "Nolan", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48355", "countyName": "Nueces", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 75300, "amiChangeYoY": 7500, "totalCensusTracts": 97, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48357", "countyName": "Ochiltree", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89300, "incomeThresholds": {"veryLow50pct": 44650, "low80pct": 71440, "hpBorrowerEligibility": 71440}, "ami2024": 81900, "amiChangeYoY": 7400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48359", "countyName": "Oldham", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 87600, "amiChangeYoY": 11900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48361", "countyName": "Orange", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 79700, "amiChangeYoY": 4700, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48363", "countyName": "Palo Pinto", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81800, "incomeThresholds": {"veryLow50pct": 40900, "low80pct": 65440, "hpBorrowerEligibility": 65440}, "ami2024": 81400, "amiChangeYoY": 400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48365", "countyName": "Panola", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89700, "incomeThresholds": {"veryLow50pct": 44850, "low80pct": 71760, "hpBorrowerEligibility": 71760}, "ami2024": 86200, "amiChangeYoY": 3500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48367", "countyName": "Parker", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48369", "countyName": "Parmer", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87200, "incomeThresholds": {"veryLow50pct": 43600, "low80pct": 69760, "hpBorrowerEligibility": 69760}, "ami2024": 83900, "amiChangeYoY": 3300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48371", "countyName": "Pecos", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 84000, "incomeThresholds": {"veryLow50pct": 42000, "low80pct": 67200, "hpBorrowerEligibility": 67200}, "ami2024": 75000, "amiChangeYoY": 9000, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48373", "countyName": "Polk", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48375", "countyName": "Potter", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 87600, "amiChangeYoY": 11900, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48377", "countyName": "Presidio", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48379", "countyName": "Rains", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 83600, "incomeThresholds": {"veryLow50pct": 41800, "low80pct": 66880, "hpBorrowerEligibility": 66880}, "ami2024": 85400, "amiChangeYoY": -1800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48381", "countyName": "Randall", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 87600, "amiChangeYoY": 11900, "totalCensusTracts": 33, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48383", "countyName": "Reagan", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87600, "incomeThresholds": {"veryLow50pct": 43800, "low80pct": 70080, "hpBorrowerEligibility": 70080}, "ami2024": 79500, "amiChangeYoY": 8100, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48385", "countyName": "Real", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48387", "countyName": "Red River", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48389", "countyName": "Reeves", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48391", "countyName": "Refugio", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48393", "countyName": "Roberts", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81500, "incomeThresholds": {"veryLow50pct": 40750, "low80pct": 65200, "hpBorrowerEligibility": 65200}, "ami2024": 75000, "amiChangeYoY": 6500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48395", "countyName": "Robertson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88500, "incomeThresholds": {"veryLow50pct": 44250, "low80pct": 70800, "hpBorrowerEligibility": 70800}, "ami2024": 93400, "amiChangeYoY": -4900, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48397", "countyName": "Rockwall", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48399", "countyName": "Runnels", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48401", "countyName": "Rusk", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88100, "incomeThresholds": {"veryLow50pct": 44050, "low80pct": 70480, "hpBorrowerEligibility": 70480}, "ami2024": 79100, "amiChangeYoY": 9000, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48403", "countyName": "Sabine", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48405", "countyName": "San\nAugustine", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48407", "countyName": "San Jacinto", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 77500, "amiChangeYoY": 24500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48409", "countyName": "San Patricio", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 75300, "amiChangeYoY": 7500, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48411", "countyName": "San Saba", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48413", "countyName": "Schleicher", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 95000, "incomeThresholds": {"veryLow50pct": 47500, "low80pct": 76000, "hpBorrowerEligibility": 76000}, "ami2024": 84700, "amiChangeYoY": 10300, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48415", "countyName": "Scurry", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88600, "incomeThresholds": {"veryLow50pct": 44300, "low80pct": 70880, "hpBorrowerEligibility": 70880}, "ami2024": 80900, "amiChangeYoY": 7700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48417", "countyName": "Shackelford", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 96100, "incomeThresholds": {"veryLow50pct": 48050, "low80pct": 76880, "hpBorrowerEligibility": 76880}, "ami2024": 79200, "amiChangeYoY": 16900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48419", "countyName": "Shelby", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48421", "countyName": "Sherman", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87600, "incomeThresholds": {"veryLow50pct": 43800, "low80pct": 70080, "hpBorrowerEligibility": 70080}, "ami2024": 78200, "amiChangeYoY": 9400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48423", "countyName": "Smith", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 87300, "amiChangeYoY": 5700, "totalCensusTracts": 56, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48425", "countyName": "Somervell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 104600, "incomeThresholds": {"veryLow50pct": 52300, "low80pct": 83680, "hpBorrowerEligibility": 83680}, "ami2024": 102300, "amiChangeYoY": 2300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48427", "countyName": "Starr", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48429", "countyName": "Stephens", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48431", "countyName": "Sterling", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 96400, "incomeThresholds": {"veryLow50pct": 48200, "low80pct": 77120, "hpBorrowerEligibility": 77120}, "ami2024": 78000, "amiChangeYoY": 18400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48433", "countyName": "Stonewall", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 94600, "incomeThresholds": {"veryLow50pct": 47300, "low80pct": 75680, "hpBorrowerEligibility": 75680}, "ami2024": 86100, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48435", "countyName": "Sutton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48437", "countyName": "Swisher", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48439", "countyName": "Tarrant", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 449, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48441", "countyName": "Taylor", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87300, "incomeThresholds": {"veryLow50pct": 43650, "low80pct": 69840, "hpBorrowerEligibility": 69840}, "ami2024": 85600, "amiChangeYoY": 1700, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48443", "countyName": "Terrell", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48445", "countyName": "Terry", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48447", "countyName": "Throckmorton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48449", "countyName": "Titus", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48451", "countyName": "Tom Green", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81800, "incomeThresholds": {"veryLow50pct": 40900, "low80pct": 65440, "hpBorrowerEligibility": 65440}, "ami2024": 78000, "amiChangeYoY": 3800, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48453", "countyName": "Travis", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133800, "incomeThresholds": {"veryLow50pct": 66900, "low80pct": 107040, "hpBorrowerEligibility": 107040}, "ami2024": 126000, "amiChangeYoY": 7800, "totalCensusTracts": 290, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48455", "countyName": "Trinity", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48457", "countyName": "Tyler", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48459", "countyName": "Upshur", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88100, "incomeThresholds": {"veryLow50pct": 44050, "low80pct": 70480, "hpBorrowerEligibility": 70480}, "ami2024": 79100, "amiChangeYoY": 9000, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48461", "countyName": "Upton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 82800, "incomeThresholds": {"veryLow50pct": 41400, "low80pct": 66240, "hpBorrowerEligibility": 66240}, "ami2024": 81400, "amiChangeYoY": 1400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48463", "countyName": "Uvalde", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48465", "countyName": "Val Verde", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48467", "countyName": "Van Zandt", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 88300, "incomeThresholds": {"veryLow50pct": 44150, "low80pct": 70640, "hpBorrowerEligibility": 70640}, "ami2024": 80000, "amiChangeYoY": 8300, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48469", "countyName": "Victoria", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86800, "incomeThresholds": {"veryLow50pct": 43400, "low80pct": 69440, "hpBorrowerEligibility": 69440}, "ami2024": 88300, "amiChangeYoY": -1500, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48471", "countyName": "Walker", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 76100, "amiChangeYoY": 3300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48473", "countyName": "Waller", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 95200, "amiChangeYoY": 6800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48475", "countyName": "Ward", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79700, "incomeThresholds": {"veryLow50pct": 39850, "low80pct": 63760, "hpBorrowerEligibility": 63760}, "ami2024": 76700, "amiChangeYoY": 3000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48477", "countyName": "Washington", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91500, "amiChangeYoY": 8600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48479", "countyName": "Webb", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 70300, "incomeThresholds": {"veryLow50pct": 35150, "low80pct": 56240, "hpBorrowerEligibility": 56240}, "ami2024": 67700, "amiChangeYoY": 2600, "totalCensusTracts": 69, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48481", "countyName": "Wharton", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 76100, "amiChangeYoY": 11400, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48483", "countyName": "Wheeler", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48485", "countyName": "Wichita", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 81400, "amiChangeYoY": 8500, "totalCensusTracts": 44, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48487", "countyName": "Wilbarger", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 81400, "incomeThresholds": {"veryLow50pct": 40700, "low80pct": 65120, "hpBorrowerEligibility": 65120}, "ami2024": 75000, "amiChangeYoY": 6400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48489", "countyName": "Willacy", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48491", "countyName": "Williamson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 133800, "incomeThresholds": {"veryLow50pct": 66900, "low80pct": 107040, "hpBorrowerEligibility": 107040}, "ami2024": 126000, "amiChangeYoY": 7800, "totalCensusTracts": 135, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48493", "countyName": "Wilson", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 89300, "amiChangeYoY": 9000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48495", "countyName": "Winkler", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 111200, "incomeThresholds": {"veryLow50pct": 55600, "low80pct": 88960, "hpBorrowerEligibility": 88960}, "ami2024": 94100, "amiChangeYoY": 17100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48497", "countyName": "Wise", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 113500, "incomeThresholds": {"veryLow50pct": 56750, "low80pct": 90800, "hpBorrowerEligibility": 90800}, "ami2024": 107300, "amiChangeYoY": 6200, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48499", "countyName": "Wood", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 86600, "incomeThresholds": {"veryLow50pct": 43300, "low80pct": 69280, "hpBorrowerEligibility": 69280}, "ami2024": 80600, "amiChangeYoY": 6000, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48501", "countyName": "Yoakum", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 91700, "amiChangeYoY": 6700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48503", "countyName": "Young", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 93000, "incomeThresholds": {"veryLow50pct": 46500, "low80pct": 74400, "hpBorrowerEligibility": 74400}, "ami2024": 93500, "amiChangeYoY": -500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48505", "countyName": "Zapata", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "48507", "countyName": "Zavala", "state": "TX", "stateName": "Texas", "isHighCost": false, "ami2025": 79400, "incomeThresholds": {"veryLow50pct": 39700, "low80pct": 63520, "hpBorrowerEligibility": 63520}, "ami2024": 75000, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49001", "countyName": "Beaver", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 103400, "incomeThresholds": {"veryLow50pct": 51700, "low80pct": 82720, "hpBorrowerEligibility": 82720}, "ami2024": 91900, "amiChangeYoY": 11500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49003", "countyName": "Box Elder", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 109800, "amiChangeYoY": -9700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49005", "countyName": "Cache", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 103400, "incomeThresholds": {"veryLow50pct": 51700, "low80pct": 82720, "hpBorrowerEligibility": 82720}, "ami2024": 95800, "amiChangeYoY": 7600, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49007", "countyName": "Carbon", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49009", "countyName": "Daggett", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 102900, "amiChangeYoY": -2800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49011", "countyName": "Davis", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 123100, "incomeThresholds": {"veryLow50pct": 61550, "low80pct": 98480, "hpBorrowerEligibility": 98480}, "ami2024": 109800, "amiChangeYoY": 13300, "totalCensusTracts": 66, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49013", "countyName": "Duchesne", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49015", "countyName": "Emery", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49017", "countyName": "Garfield", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49019", "countyName": "Grand", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49021", "countyName": "Iron", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49023", "countyName": "Juab", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 118700, "incomeThresholds": {"veryLow50pct": 59350, "low80pct": 94960, "hpBorrowerEligibility": 94960}, "ami2024": 109500, "amiChangeYoY": 9200, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49025", "countyName": "Kane", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 111600, "incomeThresholds": {"veryLow50pct": 55800, "low80pct": 89280, "hpBorrowerEligibility": 89280}, "ami2024": 103100, "amiChangeYoY": 8500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49027", "countyName": "Millard", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49029", "countyName": "Morgan", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 123100, "incomeThresholds": {"veryLow50pct": 61550, "low80pct": 98480, "hpBorrowerEligibility": 98480}, "ami2024": 109800, "amiChangeYoY": 13300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49031", "countyName": "Piute", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49033", "countyName": "Rich", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49035", "countyName": "Salt Lake", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 115400, "amiChangeYoY": 6100, "totalCensusTracts": 251, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49037", "countyName": "San Juan", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49039", "countyName": "Sanpete", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49041", "countyName": "Sevier", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49043", "countyName": "Summit", "state": "UT", "stateName": "Utah", "isHighCost": true, "ami2025": 168600, "incomeThresholds": {"veryLow50pct": 84300, "low80pct": 134880, "hpBorrowerEligibility": 134880}, "ami2024": 153000, "amiChangeYoY": 15600, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49045", "countyName": "Tooele", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 121500, "incomeThresholds": {"veryLow50pct": 60750, "low80pct": 97200, "hpBorrowerEligibility": 97200}, "ami2024": 115400, "amiChangeYoY": 6100, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49047", "countyName": "Uintah", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49049", "countyName": "Utah", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 118700, "incomeThresholds": {"veryLow50pct": 59350, "low80pct": 94960, "hpBorrowerEligibility": 94960}, "ami2024": 109500, "amiChangeYoY": 9200, "totalCensusTracts": 156, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49051", "countyName": "Wasatch", "state": "UT", "stateName": "Utah", "isHighCost": true, "ami2025": 136400, "incomeThresholds": {"veryLow50pct": 68200, "low80pct": 109120, "hpBorrowerEligibility": 109120}, "ami2024": 127300, "amiChangeYoY": 9100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49053", "countyName": "Washington", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 100700, "incomeThresholds": {"veryLow50pct": 50350, "low80pct": 80560, "hpBorrowerEligibility": 80560}, "ami2024": 101200, "amiChangeYoY": -500, "totalCensusTracts": 35, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49055", "countyName": "Wayne", "state": "UT", "stateName": "Utah", "isHighCost": true, "ami2025": 100100, "incomeThresholds": {"veryLow50pct": 50050, "low80pct": 80080, "hpBorrowerEligibility": 80080}, "ami2024": 91600, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "49057", "countyName": "Weber", "state": "UT", "stateName": "Utah", "isHighCost": false, "ami2025": 123100, "incomeThresholds": {"veryLow50pct": 61550, "low80pct": 98480, "hpBorrowerEligibility": 98480}, "ami2024": 109800, "amiChangeYoY": 13300, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50001", "countyName": "Addison", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 116100, "incomeThresholds": {"veryLow50pct": 58050, "low80pct": 92880, "hpBorrowerEligibility": 92880}, "ami2024": 110600, "amiChangeYoY": 5500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50003", "countyName": "Bennington", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 109300, "incomeThresholds": {"veryLow50pct": 54650, "low80pct": 87440, "hpBorrowerEligibility": 87440}, "ami2024": 101000, "amiChangeYoY": 8300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50005", "countyName": "Caledonia", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50007", "countyName": "Chittenden", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 130400, "incomeThresholds": {"veryLow50pct": 65200, "low80pct": 104320, "hpBorrowerEligibility": 104320}, "ami2024": 118900, "amiChangeYoY": 11500, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50009", "countyName": "Essex", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50011", "countyName": "Franklin", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 130400, "incomeThresholds": {"veryLow50pct": 65200, "low80pct": 104320, "hpBorrowerEligibility": 104320}, "ami2024": 118900, "amiChangeYoY": 11500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50013", "countyName": "Grand Isle", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 130400, "incomeThresholds": {"veryLow50pct": 65200, "low80pct": 104320, "hpBorrowerEligibility": 104320}, "ami2024": 118900, "amiChangeYoY": 11500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50015", "countyName": "Lamoille", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50017", "countyName": "Orange", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50019", "countyName": "Orleans", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50021", "countyName": "Rutland", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50023", "countyName": "Washington", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 110400, "incomeThresholds": {"veryLow50pct": 55200, "low80pct": 88320, "hpBorrowerEligibility": 88320}, "ami2024": 105400, "amiChangeYoY": 5000, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50025", "countyName": "Windham", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 105100, "incomeThresholds": {"veryLow50pct": 52550, "low80pct": 84080, "hpBorrowerEligibility": 84080}, "ami2024": 95000, "amiChangeYoY": 10100, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "50027", "countyName": "Windsor", "state": "VT", "stateName": "Vermont", "isHighCost": false, "ami2025": 110500, "incomeThresholds": {"veryLow50pct": 55250, "low80pct": 88400, "hpBorrowerEligibility": 88400}, "ami2024": 100500, "amiChangeYoY": 10000, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "78010", "countyName": "St. Croix", "state": "VI", "stateName": "Virgin Islands", "isHighCost": false, "ami2025": 66900, "incomeThresholds": {"veryLow50pct": 33450, "low80pct": 53520, "hpBorrowerEligibility": 53520}, "ami2024": 62900, "amiChangeYoY": 4000, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "78020", "countyName": "St. John", "state": "VI", "stateName": "Virgin Islands", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74700, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "78030", "countyName": "St.\nThomas", "state": "VI", "stateName": "Virgin Islands", "isHighCost": false, "ami2025": 67900, "incomeThresholds": {"veryLow50pct": 33950, "low80pct": 54320, "hpBorrowerEligibility": 54320}, "ami2024": 63700, "amiChangeYoY": 4200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51001", "countyName": "Accomack", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78600, "incomeThresholds": {"veryLow50pct": 39300, "low80pct": 62880, "hpBorrowerEligibility": 62880}, "ami2024": 73700, "amiChangeYoY": 4900, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51003", "countyName": "Albemarle", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 125800, "incomeThresholds": {"veryLow50pct": 62900, "low80pct": 100640, "hpBorrowerEligibility": 100640}, "ami2024": 124200, "amiChangeYoY": 1600, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51510", "countyName": "Alexandria City", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 48, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51005", "countyName": "Alleghany", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51007", "countyName": "Amelia", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51009", "countyName": "Amherst", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 81100, "amiChangeYoY": 16700, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51011", "countyName": "Appomattox", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 81100, "amiChangeYoY": 16700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51013", "countyName": "Arlington", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 71, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51015", "countyName": "Augusta", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 89900, "amiChangeYoY": 4500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51017", "countyName": "Bath", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 81100, "amiChangeYoY": 6000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51019", "countyName": "Bedford", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 81100, "amiChangeYoY": 16700, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51021", "countyName": "Bland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51023", "countyName": "Botetourt", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51520", "countyName": "Bristol City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 70300, "amiChangeYoY": 8700, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51025", "countyName": "Brunswick", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51027", "countyName": "Buchanan", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51029", "countyName": "Buckingham", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 84400, "incomeThresholds": {"veryLow50pct": 42200, "low80pct": 67520, "hpBorrowerEligibility": 67520}, "ami2024": 81100, "amiChangeYoY": 3300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51530", "countyName": "Buena Vista City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80500, "amiChangeYoY": 4700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51031", "countyName": "Campbell", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 81100, "amiChangeYoY": 16700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51033", "countyName": "Caroline", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 108200, "incomeThresholds": {"veryLow50pct": 54100, "low80pct": 86560, "hpBorrowerEligibility": 86560}, "ami2024": 102800, "amiChangeYoY": 5400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51035", "countyName": "Carroll", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51036", "countyName": "Charles City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51037", "countyName": "Charlotte", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 74500, "amiChangeYoY": 3600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51540", "countyName": "Charlottesville\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 125800, "incomeThresholds": {"veryLow50pct": 62900, "low80pct": 100640, "hpBorrowerEligibility": 100640}, "ami2024": 124200, "amiChangeYoY": 1600, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51550", "countyName": "Chesapeake\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 61, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51041", "countyName": "Chesterfield", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51043", "countyName": "Clarke", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51570", "countyName": "Colonial Heights\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51580", "countyName": "Covington City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51045", "countyName": "Craig", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51047", "countyName": "Culpeper", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51049", "countyName": "Cumberland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51590", "countyName": "Danville City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51051", "countyName": "Dickenson", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51053", "countyName": "Dinwiddie", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51595", "countyName": "Emporia City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51057", "countyName": "Essex", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78900, "incomeThresholds": {"veryLow50pct": 39450, "low80pct": 63120, "hpBorrowerEligibility": 63120}, "ami2024": 73300, "amiChangeYoY": 5600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51059", "countyName": "Fairfax", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 274, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51600", "countyName": "Fairfax City", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51610", "countyName": "Falls Church\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51061", "countyName": "Fauquier", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51063", "countyName": "Floyd", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 81300, "amiChangeYoY": 16100, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51065", "countyName": "Fluvanna", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 125800, "incomeThresholds": {"veryLow50pct": 62900, "low80pct": 100640, "hpBorrowerEligibility": 100640}, "ami2024": 124200, "amiChangeYoY": 1600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51067", "countyName": "Franklin", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51620", "countyName": "Franklin City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97000, "incomeThresholds": {"veryLow50pct": 48500, "low80pct": 77600, "hpBorrowerEligibility": 77600}, "ami2024": 100000, "amiChangeYoY": -3000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51069", "countyName": "Frederick", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 110000, "amiChangeYoY": 3100, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51630", "countyName": "Fredericksburg\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51640", "countyName": "Galax City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51071", "countyName": "Giles", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 96700, "amiChangeYoY": 700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51073", "countyName": "Gloucester", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51075", "countyName": "Goochland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51077", "countyName": "Grayson", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51079", "countyName": "Greene", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 125800, "incomeThresholds": {"veryLow50pct": 62900, "low80pct": 100640, "hpBorrowerEligibility": 100640}, "ami2024": 124200, "amiChangeYoY": 1600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51081", "countyName": "Greensville", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51083", "countyName": "Halifax", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51650", "countyName": "Hampton City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 37, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51085", "countyName": "Hanover", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51660", "countyName": "Harrisonburg\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 89700, "amiChangeYoY": 14500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51087", "countyName": "Henrico", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 85, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51089", "countyName": "Henry", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51091", "countyName": "Highland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 83200, "incomeThresholds": {"veryLow50pct": 41600, "low80pct": 66560, "hpBorrowerEligibility": 66560}, "ami2024": 73300, "amiChangeYoY": 9900, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51670", "countyName": "Hopewell City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51093", "countyName": "Isle Of Wight", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51095", "countyName": "James City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51097", "countyName": "King And Queen", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51099", "countyName": "King George", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 134200, "incomeThresholds": {"veryLow50pct": 67100, "low80pct": 107360, "hpBorrowerEligibility": 107360}, "ami2024": 124000, "amiChangeYoY": 10200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51101", "countyName": "King William", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51103", "countyName": "Lancaster", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 91000, "incomeThresholds": {"veryLow50pct": 45500, "low80pct": 72800, "hpBorrowerEligibility": 72800}, "ami2024": 90700, "amiChangeYoY": 300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51105", "countyName": "Lee", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51678", "countyName": "Lexington City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80500, "amiChangeYoY": 4700, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51107", "countyName": "Loudoun", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51109", "countyName": "Louisa", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 99000, "amiChangeYoY": 7600, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51111", "countyName": "Lunenburg", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51680", "countyName": "Lynchburg City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 81100, "amiChangeYoY": 16700, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51113", "countyName": "Madison", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 112800, "incomeThresholds": {"veryLow50pct": 56400, "low80pct": 90240, "hpBorrowerEligibility": 90240}, "ami2024": 152900, "amiChangeYoY": -40100, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51683", "countyName": "Manassas City", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51685", "countyName": "Manassas Park\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51690", "countyName": "Martinsville City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51115", "countyName": "Mathews", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51117", "countyName": "Mecklenburg", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 79500, "incomeThresholds": {"veryLow50pct": 39750, "low80pct": 63600, "hpBorrowerEligibility": 63600}, "ami2024": 74000, "amiChangeYoY": 5500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51119", "countyName": "Middlesex", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 99900, "incomeThresholds": {"veryLow50pct": 49950, "low80pct": 79920, "hpBorrowerEligibility": 79920}, "ami2024": 94100, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51121", "countyName": "Montgomery", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 96700, "amiChangeYoY": 700, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51125", "countyName": "Nelson", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 125800, "incomeThresholds": {"veryLow50pct": 62900, "low80pct": 100640, "hpBorrowerEligibility": 100640}, "ami2024": 124200, "amiChangeYoY": 1600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51127", "countyName": "New Kent", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51700", "countyName": "Newport News\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51710", "countyName": "Norfolk City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 81, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51131", "countyName": "Northampton", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 85400, "incomeThresholds": {"veryLow50pct": 42700, "low80pct": 68320, "hpBorrowerEligibility": 68320}, "ami2024": 80000, "amiChangeYoY": 5400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51133", "countyName": "Northumberland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 88600, "amiChangeYoY": 1900, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51720", "countyName": "Norton City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51135", "countyName": "Nottoway", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 90900, "incomeThresholds": {"veryLow50pct": 45450, "low80pct": 72720, "hpBorrowerEligibility": 72720}, "ami2024": 86300, "amiChangeYoY": 4600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51137", "countyName": "Orange", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 118600, "incomeThresholds": {"veryLow50pct": 59300, "low80pct": 94880, "hpBorrowerEligibility": 94880}, "ami2024": 107100, "amiChangeYoY": 11500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51139", "countyName": "Page", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78400, "incomeThresholds": {"veryLow50pct": 39200, "low80pct": 62720, "hpBorrowerEligibility": 62720}, "ami2024": 77100, "amiChangeYoY": 1300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51141", "countyName": "Patrick", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78700, "incomeThresholds": {"veryLow50pct": 39350, "low80pct": 62960, "hpBorrowerEligibility": 62960}, "ami2024": 73600, "amiChangeYoY": 5100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51730", "countyName": "Petersburg City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51143", "countyName": "Pittsylvania", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51735", "countyName": "Poquoson City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51740", "countyName": "Portsmouth City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 31, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51145", "countyName": "Powhatan", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51147", "countyName": "Prince Edward", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 82500, "incomeThresholds": {"veryLow50pct": 41250, "low80pct": 66000, "hpBorrowerEligibility": 66000}, "ami2024": 81800, "amiChangeYoY": 700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51149", "countyName": "Prince George", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51153", "countyName": "Prince William", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 93, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51155", "countyName": "Pulaski", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 96700, "amiChangeYoY": 700, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51750", "countyName": "Radford City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97400, "incomeThresholds": {"veryLow50pct": 48700, "low80pct": 77920, "hpBorrowerEligibility": 77920}, "ami2024": 96700, "amiChangeYoY": 700, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51157", "countyName": "Rappahannock", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51159", "countyName": "Richmond", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 91500, "incomeThresholds": {"veryLow50pct": 45750, "low80pct": 73200, "hpBorrowerEligibility": 73200}, "ami2024": 86100, "amiChangeYoY": 5400, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51760", "countyName": "Richmond City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 75, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51161", "countyName": "Roanoke", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51770", "countyName": "Roanoke City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51163", "countyName": "Rockbridge", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 85200, "incomeThresholds": {"veryLow50pct": 42600, "low80pct": 68160, "hpBorrowerEligibility": 68160}, "ami2024": 80500, "amiChangeYoY": 4700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51165", "countyName": "Rockingham", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 104200, "incomeThresholds": {"veryLow50pct": 52100, "low80pct": 83360, "hpBorrowerEligibility": 83360}, "ami2024": 89700, "amiChangeYoY": 14500, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51167", "countyName": "Russell", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51775", "countyName": "Salem City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 89900, "incomeThresholds": {"veryLow50pct": 44950, "low80pct": 71920, "hpBorrowerEligibility": 71920}, "ami2024": 88300, "amiChangeYoY": 1600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51169", "countyName": "Scott", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 70300, "amiChangeYoY": 8700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51171", "countyName": "Shenandoah", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 87500, "incomeThresholds": {"veryLow50pct": 43750, "low80pct": 70000, "hpBorrowerEligibility": 70000}, "ami2024": 81400, "amiChangeYoY": 6100, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51173", "countyName": "Smyth", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51175", "countyName": "Southampton", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 97000, "incomeThresholds": {"veryLow50pct": 48500, "low80pct": 77600, "hpBorrowerEligibility": 77600}, "ami2024": 100000, "amiChangeYoY": -3000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51177", "countyName": "Spotsylvania", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51179", "countyName": "Stafford", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51790", "countyName": "Staunton City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 89900, "amiChangeYoY": 4500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51800", "countyName": "Suffolk City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 36, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51181", "countyName": "Surry", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 91000, "amiChangeYoY": 15600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51183", "countyName": "Sussex", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113400, "incomeThresholds": {"veryLow50pct": 56700, "low80pct": 90720, "hpBorrowerEligibility": 90720}, "ami2024": 110000, "amiChangeYoY": 3400, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51185", "countyName": "Tazewell", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51810", "countyName": "Virginia Beach\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 112, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51187", "countyName": "Warren", "state": "VA", "stateName": "Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51191", "countyName": "Washington", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 79000, "incomeThresholds": {"veryLow50pct": 39500, "low80pct": 63200, "hpBorrowerEligibility": 63200}, "ami2024": 70300, "amiChangeYoY": 8700, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51820", "countyName": "Waynesboro\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 89900, "amiChangeYoY": 4500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51193", "countyName": "Westmoreland", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 90300, "incomeThresholds": {"veryLow50pct": 45150, "low80pct": 72240, "hpBorrowerEligibility": 72240}, "ami2024": 83900, "amiChangeYoY": 6400, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51830", "countyName": "Williamsburg\nCity", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51840", "countyName": "Winchester City", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 110000, "amiChangeYoY": 3100, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51195", "countyName": "Wise", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 78100, "incomeThresholds": {"veryLow50pct": 39050, "low80pct": 62480, "hpBorrowerEligibility": 62480}, "ami2024": 73300, "amiChangeYoY": 4800, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51197", "countyName": "Wythe", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 83800, "incomeThresholds": {"veryLow50pct": 41900, "low80pct": 67040, "hpBorrowerEligibility": 67040}, "ami2024": 77300, "amiChangeYoY": 6500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "51199", "countyName": "York", "state": "VA", "stateName": "Virginia", "isHighCost": false, "ami2025": 106600, "incomeThresholds": {"veryLow50pct": 53300, "low80pct": 85280, "hpBorrowerEligibility": 85280}, "ami2024": 100000, "amiChangeYoY": 6600, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53001", "countyName": "Adams", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53003", "countyName": "Asotin", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 87100, "incomeThresholds": {"veryLow50pct": 43550, "low80pct": 69680, "hpBorrowerEligibility": 69680}, "ami2024": 84300, "amiChangeYoY": 2800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53005", "countyName": "Benton", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 105600, "incomeThresholds": {"veryLow50pct": 52800, "low80pct": 84480, "hpBorrowerEligibility": 84480}, "ami2024": 99900, "amiChangeYoY": 5700, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53007", "countyName": "Chelan", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 100300, "amiChangeYoY": -3800, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53009", "countyName": "Clallam", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 93900, "amiChangeYoY": 900, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53011", "countyName": "Clark", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 115, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53013", "countyName": "Columbia", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 109800, "incomeThresholds": {"veryLow50pct": 54900, "low80pct": 87840, "hpBorrowerEligibility": 87840}, "ami2024": 101300, "amiChangeYoY": 8500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53015", "countyName": "Cowlitz", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 85500, "incomeThresholds": {"veryLow50pct": 42750, "low80pct": 68400, "hpBorrowerEligibility": 68400}, "ami2024": 86400, "amiChangeYoY": -900, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53017", "countyName": "Douglas", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 100300, "amiChangeYoY": -3800, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53019", "countyName": "Ferry", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53021", "countyName": "Franklin", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 105600, "incomeThresholds": {"veryLow50pct": 52800, "low80pct": 84480, "hpBorrowerEligibility": 84480}, "ami2024": 99900, "amiChangeYoY": 5700, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53023", "countyName": "Garfield", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53025", "countyName": "Grant", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53027", "countyName": "Grays\nHarbor", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53029", "countyName": "Island", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 112300, "incomeThresholds": {"veryLow50pct": 56150, "low80pct": 89840, "hpBorrowerEligibility": 89840}, "ami2024": 102000, "amiChangeYoY": 10300, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53031", "countyName": "Jefferson", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 106200, "incomeThresholds": {"veryLow50pct": 53100, "low80pct": 84960, "hpBorrowerEligibility": 84960}, "ami2024": 90000, "amiChangeYoY": 16200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53033", "countyName": "King", "state": "WA", "stateName": "Washington", "isHighCost": true, "ami2025": 146500, "incomeThresholds": {"veryLow50pct": 73250, "low80pct": 117200, "hpBorrowerEligibility": 117200}, "ami2024": 136600, "amiChangeYoY": 9900, "totalCensusTracts": 495, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53035", "countyName": "Kitsap", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 124300, "incomeThresholds": {"veryLow50pct": 62150, "low80pct": 99440, "hpBorrowerEligibility": 99440}, "ami2024": 119700, "amiChangeYoY": 4600, "totalCensusTracts": 60, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53037", "countyName": "Kittitas", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 107700, "incomeThresholds": {"veryLow50pct": 53850, "low80pct": 86160, "hpBorrowerEligibility": 86160}, "ami2024": 99800, "amiChangeYoY": 7900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53039", "countyName": "Klickitat", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53041", "countyName": "Lewis", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53043", "countyName": "Lincoln", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53045", "countyName": "Mason", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 104300, "incomeThresholds": {"veryLow50pct": 52150, "low80pct": 83440, "hpBorrowerEligibility": 83440}, "ami2024": 99000, "amiChangeYoY": 5300, "totalCensusTracts": 19, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53047", "countyName": "Okanogan", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53049", "countyName": "Pacific", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53051", "countyName": "Pend\nOreille", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53053", "countyName": "Pierce", "state": "WA", "stateName": "Washington", "isHighCost": true, "ami2025": 146500, "incomeThresholds": {"veryLow50pct": 73250, "low80pct": 117200, "hpBorrowerEligibility": 117200}, "ami2024": 136600, "amiChangeYoY": 9900, "totalCensusTracts": 193, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53055", "countyName": "San Juan", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 113200, "incomeThresholds": {"veryLow50pct": 56600, "low80pct": 90560, "hpBorrowerEligibility": 90560}, "ami2024": 104700, "amiChangeYoY": 8500, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53057", "countyName": "Skagit", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 111600, "incomeThresholds": {"veryLow50pct": 55800, "low80pct": 89280, "hpBorrowerEligibility": 89280}, "ami2024": 102800, "amiChangeYoY": 8800, "totalCensusTracts": 42, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53059", "countyName": "Skamania", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 124100, "incomeThresholds": {"veryLow50pct": 62050, "low80pct": 99280, "hpBorrowerEligibility": 99280}, "ami2024": 116900, "amiChangeYoY": 7200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53061", "countyName": "Snohomish", "state": "WA", "stateName": "Washington", "isHighCost": true, "ami2025": 146500, "incomeThresholds": {"veryLow50pct": 73250, "low80pct": 117200, "hpBorrowerEligibility": 117200}, "ami2024": 136600, "amiChangeYoY": 9900, "totalCensusTracts": 175, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53063", "countyName": "Spokane", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 98700, "incomeThresholds": {"veryLow50pct": 49350, "low80pct": 78960, "hpBorrowerEligibility": 78960}, "ami2024": 98100, "amiChangeYoY": 600, "totalCensusTracts": 130, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53065", "countyName": "Stevens", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 98700, "incomeThresholds": {"veryLow50pct": 49350, "low80pct": 78960, "hpBorrowerEligibility": 78960}, "ami2024": 98100, "amiChangeYoY": 600, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53067", "countyName": "Thurston", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 116700, "incomeThresholds": {"veryLow50pct": 58350, "low80pct": 93360, "hpBorrowerEligibility": 93360}, "ami2024": 116700, "amiChangeYoY": 0, "totalCensusTracts": 62, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53069", "countyName": "Wahkiakum", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 90000, "amiChangeYoY": 4800, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53071", "countyName": "Walla Walla", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 96500, "incomeThresholds": {"veryLow50pct": 48250, "low80pct": 77200, "hpBorrowerEligibility": 77200}, "ami2024": 84600, "amiChangeYoY": 11900, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53073", "countyName": "Whatcom", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 108400, "incomeThresholds": {"veryLow50pct": 54200, "low80pct": 86720, "hpBorrowerEligibility": 86720}, "ami2024": 106300, "amiChangeYoY": 2100, "totalCensusTracts": 54, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53075", "countyName": "Whitman", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 93400, "amiChangeYoY": 4900, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "53077", "countyName": "Yakima", "state": "WA", "stateName": "Washington", "isHighCost": false, "ami2025": 82300, "incomeThresholds": {"veryLow50pct": 41150, "low80pct": 65840, "hpBorrowerEligibility": 65840}, "ami2024": 78600, "amiChangeYoY": 3700, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54001", "countyName": "Barbour", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54003", "countyName": "Berkeley", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 95400, "incomeThresholds": {"veryLow50pct": 47700, "low80pct": 76320, "hpBorrowerEligibility": 76320}, "ami2024": 84200, "amiChangeYoY": 11200, "totalCensusTracts": 26, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54005", "countyName": "Boone", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 74800, "amiChangeYoY": 400, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54007", "countyName": "Braxton", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54009", "countyName": "Brooke", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 72100, "amiChangeYoY": 8100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54011", "countyName": "Cabell", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 34, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54013", "countyName": "Calhoun", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54015", "countyName": "Clay", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 74800, "amiChangeYoY": 400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54017", "countyName": "Doddridge", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 85300, "incomeThresholds": {"veryLow50pct": 42650, "low80pct": 68240, "hpBorrowerEligibility": 68240}, "ami2024": 77300, "amiChangeYoY": 8000, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54019", "countyName": "Fayette", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 75400, "incomeThresholds": {"veryLow50pct": 37700, "low80pct": 60320, "hpBorrowerEligibility": 60320}, "ami2024": 68100, "amiChangeYoY": 7300, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54021", "countyName": "Gilmer", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 68800, "amiChangeYoY": 2500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54023", "countyName": "Grant", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 81000, "incomeThresholds": {"veryLow50pct": 40500, "low80pct": 64800, "hpBorrowerEligibility": 64800}, "ami2024": 73300, "amiChangeYoY": 7700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54025", "countyName": "Greenbrier", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71800, "incomeThresholds": {"veryLow50pct": 35900, "low80pct": 57440, "hpBorrowerEligibility": 57440}, "ami2024": 66000, "amiChangeYoY": 5800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54027", "countyName": "Hampshire", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 113100, "incomeThresholds": {"veryLow50pct": 56550, "low80pct": 90480, "hpBorrowerEligibility": 90480}, "ami2024": 110000, "amiChangeYoY": 3100, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54029", "countyName": "Hancock", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 80200, "incomeThresholds": {"veryLow50pct": 40100, "low80pct": 64160, "hpBorrowerEligibility": 64160}, "ami2024": 72100, "amiChangeYoY": 8100, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54031", "countyName": "Hardy", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54033", "countyName": "Harrison", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 84700, "incomeThresholds": {"veryLow50pct": 42350, "low80pct": 67760, "hpBorrowerEligibility": 67760}, "ami2024": 83800, "amiChangeYoY": 900, "totalCensusTracts": 25, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54035", "countyName": "Jackson", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 83100, "incomeThresholds": {"veryLow50pct": 41550, "low80pct": 66480, "hpBorrowerEligibility": 66480}, "ami2024": 74800, "amiChangeYoY": 8300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54037", "countyName": "Jefferson", "state": "WV", "stateName": "West Virginia", "isHighCost": true, "ami2025": 162000, "incomeThresholds": {"veryLow50pct": 81000, "low80pct": 129600, "hpBorrowerEligibility": 129600}, "ami2024": 152900, "amiChangeYoY": 9100, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54039", "countyName": "Kanawha", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 75200, "incomeThresholds": {"veryLow50pct": 37600, "low80pct": 60160, "hpBorrowerEligibility": 60160}, "ami2024": 74800, "amiChangeYoY": 400, "totalCensusTracts": 57, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54041", "countyName": "Lewis", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 77000, "incomeThresholds": {"veryLow50pct": 38500, "low80pct": 61600, "hpBorrowerEligibility": 61600}, "ami2024": 73400, "amiChangeYoY": 3600, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54043", "countyName": "Lincoln", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 74800, "amiChangeYoY": -3500, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54045", "countyName": "Logan", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54049", "countyName": "Marion", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 90500, "incomeThresholds": {"veryLow50pct": 45250, "low80pct": 72400, "hpBorrowerEligibility": 72400}, "ami2024": 81400, "amiChangeYoY": 9100, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54051", "countyName": "Marshall", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 82100, "incomeThresholds": {"veryLow50pct": 41050, "low80pct": 65680, "hpBorrowerEligibility": 65680}, "ami2024": 80600, "amiChangeYoY": 1500, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54053", "countyName": "Mason", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 76100, "incomeThresholds": {"veryLow50pct": 38050, "low80pct": 60880, "hpBorrowerEligibility": 60880}, "ami2024": 75200, "amiChangeYoY": 900, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54047", "countyName": "Mcdowell", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54055", "countyName": "Mercer", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71400, "incomeThresholds": {"veryLow50pct": 35700, "low80pct": 57120, "hpBorrowerEligibility": 57120}, "ami2024": 67000, "amiChangeYoY": 4400, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54057", "countyName": "Mineral", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 94400, "incomeThresholds": {"veryLow50pct": 47200, "low80pct": 75520, "hpBorrowerEligibility": 75520}, "ami2024": 82300, "amiChangeYoY": 12100, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54059", "countyName": "Mingo", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54061", "countyName": "Monongalia", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 90900, "amiChangeYoY": 7500, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54063", "countyName": "Monroe", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 73500, "incomeThresholds": {"veryLow50pct": 36750, "low80pct": 58800, "hpBorrowerEligibility": 58800}, "ami2024": 69100, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54065", "countyName": "Morgan", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 95400, "incomeThresholds": {"veryLow50pct": 47700, "low80pct": 76320, "hpBorrowerEligibility": 76320}, "ami2024": 84200, "amiChangeYoY": 11200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54067", "countyName": "Nicholas", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 78400, "incomeThresholds": {"veryLow50pct": 39200, "low80pct": 62720, "hpBorrowerEligibility": 62720}, "ami2024": 68900, "amiChangeYoY": 9500, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54069", "countyName": "Ohio", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 82100, "incomeThresholds": {"veryLow50pct": 41050, "low80pct": 65680, "hpBorrowerEligibility": 65680}, "ami2024": 80600, "amiChangeYoY": 1500, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54071", "countyName": "Pendleton", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66900, "amiChangeYoY": 4400, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54073", "countyName": "Pleasants", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 83000, "incomeThresholds": {"veryLow50pct": 41500, "low80pct": 66400, "hpBorrowerEligibility": 66400}, "ami2024": 81400, "amiChangeYoY": 1600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54075", "countyName": "Pocahontas", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54077", "countyName": "Preston", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 98400, "incomeThresholds": {"veryLow50pct": 49200, "low80pct": 78720, "hpBorrowerEligibility": 78720}, "ami2024": 90900, "amiChangeYoY": 7500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54079", "countyName": "Putnam", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54081", "countyName": "Raleigh", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 75400, "incomeThresholds": {"veryLow50pct": 37700, "low80pct": 60320, "hpBorrowerEligibility": 60320}, "ami2024": 68100, "amiChangeYoY": 7300, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54083", "countyName": "Randolph", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 74800, "incomeThresholds": {"veryLow50pct": 37400, "low80pct": 59840, "hpBorrowerEligibility": 59840}, "ami2024": 68000, "amiChangeYoY": 6800, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54085", "countyName": "Ritchie", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54087", "countyName": "Roane", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54089", "countyName": "Summers", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54091", "countyName": "Taylor", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 72300, "incomeThresholds": {"veryLow50pct": 36150, "low80pct": 57840, "hpBorrowerEligibility": 57840}, "ami2024": 72800, "amiChangeYoY": -500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54093", "countyName": "Tucker", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 76500, "incomeThresholds": {"veryLow50pct": 38250, "low80pct": 61200, "hpBorrowerEligibility": 61200}, "ami2024": 73300, "amiChangeYoY": 3200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54095", "countyName": "Tyler", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 87800, "incomeThresholds": {"veryLow50pct": 43900, "low80pct": 70240, "hpBorrowerEligibility": 70240}, "ami2024": 84100, "amiChangeYoY": 3700, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54097", "countyName": "Upshur", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 72500, "incomeThresholds": {"veryLow50pct": 36250, "low80pct": 58000, "hpBorrowerEligibility": 58000}, "ami2024": 68200, "amiChangeYoY": 4300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54099", "countyName": "Wayne", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 79800, "incomeThresholds": {"veryLow50pct": 39900, "low80pct": 63840, "hpBorrowerEligibility": 63840}, "ami2024": 74300, "amiChangeYoY": 5500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54101", "countyName": "Webster", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54103", "countyName": "Wetzel", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 74600, "incomeThresholds": {"veryLow50pct": 37300, "low80pct": 59680, "hpBorrowerEligibility": 59680}, "ami2024": 73800, "amiChangeYoY": 800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54105", "countyName": "Wirt", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 72400, "incomeThresholds": {"veryLow50pct": 36200, "low80pct": 57920, "hpBorrowerEligibility": 57920}, "ami2024": 74700, "amiChangeYoY": -2300, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54107", "countyName": "Wood", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 72400, "incomeThresholds": {"veryLow50pct": 36200, "low80pct": 57920, "hpBorrowerEligibility": 57920}, "ami2024": 74700, "amiChangeYoY": -2300, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "54109", "countyName": "Wyoming", "state": "WV", "stateName": "West Virginia", "isHighCost": false, "ami2025": 71300, "incomeThresholds": {"veryLow50pct": 35650, "low80pct": 57040, "hpBorrowerEligibility": 57040}, "ami2024": 66000, "amiChangeYoY": 5300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55001", "countyName": "Adams", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55003", "countyName": "Ashland", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55005", "countyName": "Barron", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55007", "countyName": "Bayfield", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55009", "countyName": "Brown", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 108200, "incomeThresholds": {"veryLow50pct": 54100, "low80pct": 86560, "hpBorrowerEligibility": 86560}, "ami2024": 96900, "amiChangeYoY": 11300, "totalCensusTracts": 58, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55011", "countyName": "Buffalo", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55013", "countyName": "Burnett", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55015", "countyName": "Calumet", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 111500, "incomeThresholds": {"veryLow50pct": 55750, "low80pct": 89200, "hpBorrowerEligibility": 89200}, "ami2024": 104000, "amiChangeYoY": 7500, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55017", "countyName": "Chippewa", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 99400, "amiChangeYoY": 3800, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55019", "countyName": "Clark", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55021", "countyName": "Columbia", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 123900, "incomeThresholds": {"veryLow50pct": 61950, "low80pct": 99120, "hpBorrowerEligibility": 99120}, "ami2024": 121200, "amiChangeYoY": 2700, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55023", "countyName": "Crawford", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55025", "countyName": "Dane", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 123900, "incomeThresholds": {"veryLow50pct": 61950, "low80pct": 99120, "hpBorrowerEligibility": 99120}, "ami2024": 121200, "amiChangeYoY": 2700, "totalCensusTracts": 125, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55027", "countyName": "Dodge", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 98500, "incomeThresholds": {"veryLow50pct": 49250, "low80pct": 78800, "hpBorrowerEligibility": 78800}, "ami2024": 91700, "amiChangeYoY": 6800, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55029", "countyName": "Door", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 103700, "incomeThresholds": {"veryLow50pct": 51850, "low80pct": 82960, "hpBorrowerEligibility": 82960}, "ami2024": 92300, "amiChangeYoY": 11400, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55031", "countyName": "Douglas", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 100600, "incomeThresholds": {"veryLow50pct": 50300, "low80pct": 80480, "hpBorrowerEligibility": 80480}, "ami2024": 95600, "amiChangeYoY": 5000, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55033", "countyName": "Dunn", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 98800, "incomeThresholds": {"veryLow50pct": 49400, "low80pct": 79040, "hpBorrowerEligibility": 79040}, "ami2024": 94400, "amiChangeYoY": 4400, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55035", "countyName": "Eau Claire", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 99400, "amiChangeYoY": 3800, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55037", "countyName": "Florence", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55039", "countyName": "Fond Du Lac", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 95700, "amiChangeYoY": 2100, "totalCensusTracts": 23, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55041", "countyName": "Forest", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55043", "countyName": "Grant", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 88300, "amiChangeYoY": 4500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55045", "countyName": "Green", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 123900, "incomeThresholds": {"veryLow50pct": 61950, "low80pct": 99120, "hpBorrowerEligibility": 99120}, "ami2024": 121200, "amiChangeYoY": 2700, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55047", "countyName": "Green Lake", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55049", "countyName": "Iowa", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 123900, "incomeThresholds": {"veryLow50pct": 61950, "low80pct": 99120, "hpBorrowerEligibility": 99120}, "ami2024": 121200, "amiChangeYoY": 2700, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55051", "countyName": "Iron", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55053", "countyName": "Jackson", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55055", "countyName": "Jefferson", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 111000, "incomeThresholds": {"veryLow50pct": 55500, "low80pct": 88800, "hpBorrowerEligibility": 88800}, "ami2024": 100400, "amiChangeYoY": 10600, "totalCensusTracts": 21, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55057", "countyName": "Juneau", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55059", "countyName": "Kenosha", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 112600, "incomeThresholds": {"veryLow50pct": 56300, "low80pct": 90080, "hpBorrowerEligibility": 90080}, "ami2024": 109800, "amiChangeYoY": 2800, "totalCensusTracts": 43, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55061", "countyName": "Kewaunee", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 108200, "incomeThresholds": {"veryLow50pct": 54100, "low80pct": 86560, "hpBorrowerEligibility": 86560}, "ami2024": 96900, "amiChangeYoY": 11300, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55063", "countyName": "La Crosse", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 105300, "incomeThresholds": {"veryLow50pct": 52650, "low80pct": 84240, "hpBorrowerEligibility": 84240}, "ami2024": 98400, "amiChangeYoY": 6900, "totalCensusTracts": 28, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55065", "countyName": "Lafayette", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 93300, "incomeThresholds": {"veryLow50pct": 46650, "low80pct": 74640, "hpBorrowerEligibility": 74640}, "ami2024": 87500, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55067", "countyName": "Langlade", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55069", "countyName": "Lincoln", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 95000, "incomeThresholds": {"veryLow50pct": 47500, "low80pct": 76000, "hpBorrowerEligibility": 76000}, "ami2024": 91400, "amiChangeYoY": 3600, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55071", "countyName": "Manitowoc", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 96800, "incomeThresholds": {"veryLow50pct": 48400, "low80pct": 77440, "hpBorrowerEligibility": 77440}, "ami2024": 86600, "amiChangeYoY": 10200, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55073", "countyName": "Marathon", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 98800, "incomeThresholds": {"veryLow50pct": 49400, "low80pct": 79040, "hpBorrowerEligibility": 79040}, "ami2024": 91400, "amiChangeYoY": 7400, "totalCensusTracts": 32, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55075", "countyName": "Marinette", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55077", "countyName": "Marquette", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55078", "countyName": "Menominee", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55079", "countyName": "Milwaukee", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 102100, "amiChangeYoY": 8600, "totalCensusTracts": 302, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55081", "countyName": "Monroe", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 9, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55083", "countyName": "Oconto", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 108200, "incomeThresholds": {"veryLow50pct": 54100, "low80pct": 86560, "hpBorrowerEligibility": 86560}, "ami2024": 96900, "amiChangeYoY": 11300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55085", "countyName": "Oneida", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 96300, "incomeThresholds": {"veryLow50pct": 48150, "low80pct": 77040, "hpBorrowerEligibility": 77040}, "ami2024": 89200, "amiChangeYoY": 7100, "totalCensusTracts": 16, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55087", "countyName": "Outagamie", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 111500, "incomeThresholds": {"veryLow50pct": 55750, "low80pct": 89200, "hpBorrowerEligibility": 89200}, "ami2024": 104000, "amiChangeYoY": 7500, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55089", "countyName": "Ozaukee", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 102100, "amiChangeYoY": 8600, "totalCensusTracts": 22, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55091", "countyName": "Pepin", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 93800, "incomeThresholds": {"veryLow50pct": 46900, "low80pct": 75040, "hpBorrowerEligibility": 75040}, "ami2024": 89000, "amiChangeYoY": 4800, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55093", "countyName": "Pierce", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55095", "countyName": "Polk", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 97500, "incomeThresholds": {"veryLow50pct": 48750, "low80pct": 78000, "hpBorrowerEligibility": 78000}, "ami2024": 92000, "amiChangeYoY": 5500, "totalCensusTracts": 14, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55097", "countyName": "Portage", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 97800, "incomeThresholds": {"veryLow50pct": 48900, "low80pct": 78240, "hpBorrowerEligibility": 78240}, "ami2024": 99100, "amiChangeYoY": -1300, "totalCensusTracts": 15, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55099", "countyName": "Price", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55101", "countyName": "Racine", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 98600, "incomeThresholds": {"veryLow50pct": 49300, "low80pct": 78880, "hpBorrowerEligibility": 78880}, "ami2024": 97300, "amiChangeYoY": 1300, "totalCensusTracts": 47, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55103", "countyName": "Richland", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55105", "countyName": "Rock", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 98600, "incomeThresholds": {"veryLow50pct": 49300, "low80pct": 78880, "hpBorrowerEligibility": 78880}, "ami2024": 85700, "amiChangeYoY": 12900, "totalCensusTracts": 41, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55107", "countyName": "Rusk", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55111", "countyName": "Sauk", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 102600, "incomeThresholds": {"veryLow50pct": 51300, "low80pct": 82080, "hpBorrowerEligibility": 82080}, "ami2024": 101000, "amiChangeYoY": 1600, "totalCensusTracts": 24, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55113", "countyName": "Sawyer", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55115", "countyName": "Shawano", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55117", "countyName": "Sheboygan", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 102000, "incomeThresholds": {"veryLow50pct": 51000, "low80pct": 81600, "hpBorrowerEligibility": 81600}, "ami2024": 86800, "amiChangeYoY": 15200, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55109", "countyName": "St. Croix", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 131700, "incomeThresholds": {"veryLow50pct": 65850, "low80pct": 105360, "hpBorrowerEligibility": 105360}, "ami2024": 123700, "amiChangeYoY": 8000, "totalCensusTracts": 18, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55119", "countyName": "Taylor", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55121", "countyName": "Trempealeau", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 97700, "incomeThresholds": {"veryLow50pct": 48850, "low80pct": 78160, "hpBorrowerEligibility": 78160}, "ami2024": 91100, "amiChangeYoY": 6600, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55123", "countyName": "Vernon", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 105300, "incomeThresholds": {"veryLow50pct": 52650, "low80pct": 84240, "hpBorrowerEligibility": 84240}, "ami2024": 88300, "amiChangeYoY": 17000, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55125", "countyName": "Vilas", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55127", "countyName": "Walworth", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 109600, "incomeThresholds": {"veryLow50pct": 54800, "low80pct": 87680, "hpBorrowerEligibility": 87680}, "ami2024": 101200, "amiChangeYoY": 8400, "totalCensusTracts": 29, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55129", "countyName": "Washburn", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55131", "countyName": "Washington", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 102100, "amiChangeYoY": 8600, "totalCensusTracts": 30, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55133", "countyName": "Waukesha", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 110700, "incomeThresholds": {"veryLow50pct": 55350, "low80pct": 88560, "hpBorrowerEligibility": 88560}, "ami2024": 102100, "amiChangeYoY": 8600, "totalCensusTracts": 98, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55135", "countyName": "Waupaca", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 94800, "incomeThresholds": {"veryLow50pct": 47400, "low80pct": 75840, "hpBorrowerEligibility": 75840}, "ami2024": 89500, "amiChangeYoY": 5300, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55137", "countyName": "Waushara", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 8, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55139", "countyName": "Winnebago", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 103600, "incomeThresholds": {"veryLow50pct": 51800, "low80pct": 82880, "hpBorrowerEligibility": 82880}, "ami2024": 99100, "amiChangeYoY": 4500, "totalCensusTracts": 45, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "55141", "countyName": "Wood", "state": "WI", "stateName": "Wisconsin", "isHighCost": false, "ami2025": 92800, "incomeThresholds": {"veryLow50pct": 46400, "low80pct": 74240, "hpBorrowerEligibility": 74240}, "ami2024": 86600, "amiChangeYoY": 6200, "totalCensusTracts": 17, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56001", "countyName": "Albany", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 104100, "incomeThresholds": {"veryLow50pct": 52050, "low80pct": 83280, "hpBorrowerEligibility": 83280}, "ami2024": 97700, "amiChangeYoY": 6400, "totalCensusTracts": 11, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56003", "countyName": "Big Horn", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56005", "countyName": "Campbell", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 112800, "incomeThresholds": {"veryLow50pct": 56400, "low80pct": 90240, "hpBorrowerEligibility": 90240}, "ami2024": 108000, "amiChangeYoY": 4800, "totalCensusTracts": 10, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56007", "countyName": "Carbon", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56009", "countyName": "Converse", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 103200, "incomeThresholds": {"veryLow50pct": 51600, "low80pct": 82560, "hpBorrowerEligibility": 82560}, "ami2024": 98800, "amiChangeYoY": 4400, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56011", "countyName": "Crook", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 105600, "incomeThresholds": {"veryLow50pct": 52800, "low80pct": 84480, "hpBorrowerEligibility": 84480}, "ami2024": 96000, "amiChangeYoY": 9600, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56013", "countyName": "Fremont", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 12, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56015", "countyName": "Goshen", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 4, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56017", "countyName": "Hot Springs", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56019", "countyName": "Johnson", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 95400, "amiChangeYoY": 3900, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56021", "countyName": "Laramie", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 96900, "incomeThresholds": {"veryLow50pct": 48450, "low80pct": 77520, "hpBorrowerEligibility": 77520}, "ami2024": 95400, "amiChangeYoY": 1500, "totalCensusTracts": 27, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56023", "countyName": "Lincoln", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 117600, "incomeThresholds": {"veryLow50pct": 58800, "low80pct": 94080, "hpBorrowerEligibility": 94080}, "ami2024": 111800, "amiChangeYoY": 5800, "totalCensusTracts": 5, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56025", "countyName": "Natrona", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 98300, "incomeThresholds": {"veryLow50pct": 49150, "low80pct": 78640, "hpBorrowerEligibility": 78640}, "ami2024": 85900, "amiChangeYoY": 12400, "totalCensusTracts": 20, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56027", "countyName": "Niobrara", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 1, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56029", "countyName": "Park", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99500, "incomeThresholds": {"veryLow50pct": 49750, "low80pct": 79600, "hpBorrowerEligibility": 79600}, "ami2024": 91800, "amiChangeYoY": 7700, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56031", "countyName": "Platte", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 92700, "amiChangeYoY": 6600, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56033", "countyName": "Sheridan", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 108000, "incomeThresholds": {"veryLow50pct": 54000, "low80pct": 86400, "hpBorrowerEligibility": 86400}, "ami2024": 108500, "amiChangeYoY": -500, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56035", "countyName": "Sublette", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 114400, "incomeThresholds": {"veryLow50pct": 57200, "low80pct": 91520, "hpBorrowerEligibility": 91520}, "ami2024": 103400, "amiChangeYoY": 11000, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56037", "countyName": "Sweetwater", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 107500, "incomeThresholds": {"veryLow50pct": 53750, "low80pct": 86000, "hpBorrowerEligibility": 86000}, "ami2024": 102500, "amiChangeYoY": 5000, "totalCensusTracts": 13, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56039", "countyName": "Teton", "state": "WY", "stateName": "Wyoming", "isHighCost": true, "ami2025": 141500, "incomeThresholds": {"veryLow50pct": 70750, "low80pct": 113200, "hpBorrowerEligibility": 113200}, "ami2024": 133100, "amiChangeYoY": 8400, "totalCensusTracts": 7, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56041", "countyName": "Uinta", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 103600, "incomeThresholds": {"veryLow50pct": 51800, "low80pct": 82880, "hpBorrowerEligibility": 82880}, "ami2024": 96600, "amiChangeYoY": 7000, "totalCensusTracts": 6, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56043", "countyName": "Washakie", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 99300, "incomeThresholds": {"veryLow50pct": 49650, "low80pct": 79440, "hpBorrowerEligibility": 79440}, "ami2024": 91800, "amiChangeYoY": 7500, "totalCensusTracts": 3, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}
{"fipsCode": "56045", "countyName": "Weston", "state": "WY", "stateName": "Wyoming", "isHighCost": false, "ami2025": 100700, "incomeThresholds": {"veryLow50pct": 50350, "low80pct": 80560, "hpBorrowerEligibility": 80560}, "ami2024": 91800, "amiChangeYoY": 8900, "totalCensusTracts": 2, "source": "HUD FY2025 Area Median Income", "effectiveDate": "2025-04-01"}