Check your eligibility
Based on 2026 HUD income limits for the San Jose-Sunnyvale-Santa Clara and Oakland-Berkeley-Livermore metro areas.
Your results
Limits are estimates based on 2026 HUD data. Actual limits vary by property and may be updated. Always verify eligibility directly with each property.
How AMI works
Area Median Income (AMI) is calculated annually by the U.S. Department of Housing and Urban Development (HUD) for each metropolitan area. It represents the middle income for all households in the region — half of households earn more, half earn less.
Affordable housing programs use AMI as a benchmark to determine eligibility. Each program sets a maximum income limit as a percentage of AMI — for example, a unit restricted to "low income" households typically requires your income to be at or below 80% of AMI.
Why Bay Area AMI is so high
The Bay Area has one of the highest AMIs in the country because of tech industry wages. This means that even "low income" limits in the Bay Area can seem high compared to national standards — a family of four can earn over $100,000 and still qualify for some affordable housing programs.
AMI limits are recalculated every year. A unit you don't qualify for today might be available next year if limits increase. Check back annually.