Current Income Limits
These limits (effective on applications taken as of June 24, 2026) are set by the U.S. Department of Housing and Urban Development to be used with the First Step/Mortgage Revenue Bond loans offered by AHFA. When you find a home you’re interested in buying, simply contact one of your local participating lenders to learn whether the address is located in a “target” or “non-target” area, so you'll know which column to use.
Mortgage Revenue Bond
Income Limits effective 6/24/26
TARGET AREAS | NON-TARGET AREAS | ||||
|---|---|---|---|---|---|
Area Median Income | Town HMFA/Counties | Family 1-2 | Family 3+ | Family 1-2 | Family 3+ |
$104,100 | Birmingham - Hoover HMFA Bibb, Blount, Shelby, Jefferson, St. Clair | $124,920 | $145,740 | $104,100 | $119,715 |
$115,100 | Huntsville MSA Limestone, Madison | $138,120 | $161,140 | $115,100 | $132,365 |
$108,900 | Auburn-Opelika HMFA Lee | $130,680 | $152,460 | $108,900 | $125,235 |
$102,400 | Daphne-Fairhope-Foley MSA Baldwin | $122,880 | $143,360 | $102,400 | $117,760 |
$93,000 | Tuscaloosa HMFA Tuscaloosa, Hale | $111,600 | $130,200 | $93,000 | $106,950 |
$95,900 | Florence-Muscle Shoals MSA Colbert, Lauderdale | $115,080 | $134,260 | $95,900 | $110,285 |
$89,500 | All Other Counties | $107,400 | $125,300 | $89,500 | $102,925 |