North Carolina Income Limits for Affordable Housing: 2024 Guide

Understanding income limits is essential if you're a North Carolina renter seeking affordable housing or rental assistance. These limits help determine who qualifies for programs like Section 8 Housing Choice Vouchers, public housing, and other rental supports managed by federal, state, and local agencies. In this guide, we review North Carolina's current income guidelines and show you how to check your eligibility for affordable housing programs in 2024.

What Are Income Limits and Why Do They Matter?

Income limits define the maximum yearly income a household can earn to qualify for certain rental assistance or affordable housing options. They are based on household size and the local Area Median Income (AMI) for your county. These thresholds ensure assistance goes to renters who need it most.

Types of Income Limits Used in North Carolina

• Extremely Low Income (ELI): 30% of the AMI or lower
• Very Low Income (VLI): 50% of the AMI or lower
• Low Income: 80% of the AMI or lower

These figures are set annually by the U.S. Department of Housing and Urban Development (HUD) and are updated each spring for every county in North Carolina.

How to Find the Current Income Limits in Your Area

The most reliable way to confirm your area’s income limits is to use HUD’s official tool:

• Visit the HUD Income Limits Documentation System
• Select "North Carolina" and your county or metro area
• Review the table, which shows income thresholds for households sized 1–8+

Main Affordable Housing Programs Using Income Limits

• Section 8 Housing Choice Voucher Program (administered by your local Public Housing Agency)
• Public Housing
• Low-Income Housing Tax Credit (LIHTC) apartments
• State Rental Assistance Program

Each program uses similar income thresholds but may have added requirements. For example, the North Carolina Housing Finance Agency oversees several rental assistance programs with their own application steps.

Income Verification and Application Forms

When you apply for affordable housing in North Carolina, you'll need to provide documents and fill out official forms. Common examples include:

• HUD-50058: Family Report
  When used: Required when applying for or recertifying Section 8 or public housing benefits.
  How it's used: Lists your household's earnings, employment, and qualifying details. For example, a renter applying for a Housing Choice Voucher must complete this with their PHA.
  Download HUD-50058
• Income Certification Form (NCHFA MF-34)
  When used: Used when applying for properties with tax credits or state-level assistance.
  How it's used: You and the property manager fill this out to show your household income matches program limits. For instance, an applicant for a North Carolina affordable apartment may need this form.
  Download NCHFA MF-34 Form

Tip: Your local Public Housing Agency (PHA) may require additional local forms. Ask them for a checklist.

Which Tribunal or Agency Handles Rental Issues?

If you have concerns about income determinations or housing rights, rental matters are overseen by North Carolina’s civil courts. Eviction and dispute hearings are held in your county’s District Court. For program eligibility complaints or discrimination issues, contact:

• North Carolina Housing Coalition (for advocacy and resources)
• HUD Office of Fair Housing & Equal Opportunity
• North Carolina District Courts Directory

Relevant Legislation for Renters

The main law protecting renters in North Carolina is the North Carolina Residential Rental Agreements Act (N.C. Gen. Stat. § 42-38 et seq.).

FAQ: Income Limits and Rental Assistance in North Carolina

1. How are income limits calculated for affordable housing programs in North Carolina?
   The U.S. Department of Housing and Urban Development (HUD) sets income limits each year based on local median incomes and household size. Limits are published for each county in North Carolina.
2. What happens if my income changes after I move into affordable housing?
   You must report any significant changes in household income to your housing provider. Your eligibility or rent level may be adjusted according to updated program rules and income limits.
3. Can I qualify for rental assistance if my income is just above the limit?
   Usually, exceeding the income threshold makes you ineligible. However, some programs have waiting lists or exceptions in special cases. It's best to discuss your situation with your local Public Housing Agency.
4. Where do I find the official forms to apply for housing assistance in North Carolina?
   HUD and the North Carolina Housing Finance Agency offer downloadable forms on their websites. You can also get forms directly from your local Public Housing Agency.
5. Who can help me if I was denied housing assistance because of income?
   You can appeal through your housing agency or seek help from organizations like the North Carolina Housing Coalition or the local District Court if you believe you were unfairly denied.

Key Takeaways

• Income limits are set by HUD and are specific to your county and household size in North Carolina.
• Accurate income documentation and official forms are vital to your application.
• Help is available from state agencies and advocacy groups if you face issues with your eligibility.

Need Help? Resources for Renters

• North Carolina Housing Finance Agency Rental Resources
• HUD North Carolina Renting Resources
• North Carolina Housing Coalition (advocacy and renter education)
• North Carolina District Courts (for rental disputes and hearings)
• North Carolina Department of Justice: Landlord-Tenant Rights

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1. HUD Income Limits Documentation System
2. North Carolina Housing Finance Agency: Renters
3. North Carolina Residential Rental Agreements Act (N.C. Gen. Stat. § 42-38 et seq.)
4. North Carolina Housing Coalition

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