What does “affordable” housing mean for you?
Use OHT’s affordability calculators.
What Can Your Household Afford?
Enter each earner's gross annual income and add any dependents (children, retirees, others without earned income) to form your household.
Based on 30% of gross household income (HUD affordability threshold per 24 CFR § 5.628). Income categories per California HCD 2025 State Income Limits, Monterey County. HCD income limits are published for households up to 8 persons; larger households use the 8-person threshold as a conservative floor.
Monterey County Affordability Reference
2025 HCD Income Limits · Effective May 2025 · AMI: $104,500 (4-person household)
HCD Income Limits by Household Size
| Income Category | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
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Source: California Department of Housing and Community Development, 2025 State Income Limits (effective April 23, 2025). Sizes 6–8 derived using HUD family-size adjustment factors per 25 CCR § 6932.
Maximum Monthly Housing Payment
| Income Category | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
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Monthly payment = annual income limit × housing cost percentage ÷ 12. The 30% standard reflects HUD’s affordability threshold.
Estimated Home Purchase Price
| Income Category | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
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Assumptions
Estimated purchase price = maximum supportable loan (P+I) plus down payment, after deducting monthly property tax and insurance from the available housing payment. Actual lending capacity depends on individual credit, debt ratios, and lender requirements.
Household Affordability Lookup
Build a household by adding earners (by occupation) and dependents. Wages are summed against HCD income limits for the resulting household size.
Total Household Income
gross annual
Affordable Housing Payment
30% of gross monthly income
Income Band
0%30%50%80%100%120%150%+
Wages: U.S. Bureau of Labor Statistics, OEWS May 2024, Salinas MSA (41500); supplemented by California EDD where MSA data is suppressed. Income limits: California HCD 2025 State Income Limits, Monterey County. Affordability threshold per 24 CFR § 5.628 (30% of gross income toward housing). HCD income limits are defined for households up to 8; larger households reuse the 8-person threshold.