New Mexico Income Limits for Affordable Housing: What Renters Need to Know

If you're a New Mexico renter searching for affordable housing or looking to qualify for rental assistance programs, understanding income limits is the first key step. Income limits determine whether you can access subsidized housing options like Section 8, public housing, or state-run affordable homes. This guide explains how these limits work, who qualifies, and how to navigate the process in New Mexico—helping you make confident decisions about your rental situation.

What Are Income Limits for Affordable Housing in New Mexico?

Income limits are thresholds set by government agencies that determine who is eligible for affordable housing programs. In New Mexico, these limits are based on the Area Median Income (AMI) for your county and family size. The most common programs with income limits include:

• Section 8 Housing Choice Voucher Program
• Public Housing
• Low-Income Housing Tax Credit (LIHTC) apartments

The U.S. Department of Housing and Urban Development (HUD) updates these income limits each year. You can find the current income limits for all New Mexico counties on the official HUD Income Limits page.

How Are These Limits Calculated?

Income limits are usually set as a percentage of the local AMI. The main categories are:

• Extremely Low Income: 30% of AMI
• Very Low Income: 50% of AMI
• Low Income: 80% of AMI

Eligibility depends on your household's gross annual income (before taxes) and the number of people living with you. For example, in 2024, a household of two in Bernalillo County may have a different income limit than a household of four in Doña Ana County.

Where to Find Current Limits for Your County

Always check the most recent HUD income limits for your area, as they may change yearly. You can search by county and household size at the HUD Income Limits Query Tool.

Qualifying for Affordable Housing Programs: Key Details

After confirming that your income fits within your area's limits, you’ll need to apply to the appropriate program. The New Mexico Mortgage Finance Authority (MFA) manages many affordable housing initiatives statewide. Eligibility based on income limits can also be required for:

• Receiving rental assistance like Section 8
• Living in certain tax-credit or subsidized units
• Being placed on public housing waitlists

If you exceed income limits, you may not qualify for these benefits; however, some programs have other forms of support available. Double-check with your local housing agency.

Essential Forms for Renters

Many affordable housing and rental assistance programs require applications and supporting documents. Below are key forms New Mexico renters may encounter:

• Section 8 Pre-Application: Used to apply for a spot on your local Housing Authority’s Section 8 waiting list. You typically provide your household details, income, and identification.
  Example: If you want to apply for a Section 8 voucher in Albuquerque, you’d complete the Albuquerque Housing Authority's Pre-Application Form.
• Documentation for Income Verification (no single form number): Required for both Section 8 and other affordable housing. Applicants must submit pay stubs, tax returns, or benefit letters as proof of income.
  Example: When your name is reached on the waitlist, you'll be asked to provide the last 3 months of pay stubs and other documents as part of the final eligibility process.
• Rental Application for Public/Assisted Housing: Specific to each housing provider. Often includes a declaration of income and household composition.
  Example: When applying for public housing in Las Cruces, use the Las Cruces Housing Authority's Application Packet.

Which Agency Handles Tenant-Landlord Issues?

In New Mexico, the New Mexico Courts - Landlord-Tenant Issues provide information and handle official eviction hearings and rental disputes. For rental assistance, the New Mexico Mortgage Finance Authority is the main agency managing statewide affordable housing programs.

Relevant Housing Law

All residential tenants and landlords in New Mexico are covered under the New Mexico Owner-Resident Relations Act (NMSA 1978, Chapter 47, Article 8).¹

1. What income is counted when applying for affordable housing in New Mexico?
   Most programs consider your total household income, including wages, benefits, disability, and other earnings.
2. How often do income limits change?
   HUD typically updates income limits annually. Always check for the latest figures before applying.
3. Can I qualify if my income increases after I move in?
   Some programs re-certify income yearly. If your income rises, you might pay a higher rent or become ineligible, depending on program rules.
4. Do all affordable housing programs use the same income limits?
   No. Section 8, LIHTC, and public housing may use slightly different calculations or income thresholds. Review each program's requirements.
5. Where can I get help if I have trouble with an application or documentation?
   Contact your local housing authority or a certified housing counselor for step-by-step assistance.

Key Takeaways for New Mexico Renters

• Check your county’s current income limits annually before applying for housing assistance.
• Gather household income documents early—they’re required for nearly every application.
• If you have questions, contact local authorities or visit official government resources for guidance.

Need Help? Resources for Renters

• HUD Income Limits – Find Your Limits by County
• New Mexico Mortgage Finance Authority (MFA) – Statewide Rental Assistance
• New Mexico Courts – Landlord-Tenant Information
• Find a HUD-Approved Housing Counselor
• Albuquerque Housing Authority – Section 8 Application
• Las Cruces Housing Authority Forms

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1. See: New Mexico Owner-Resident Relations Act (NMSA 1978, Chapter 47, Article 8)

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