2026 Maximum Income Eligibility
Lubbock County, Texas
| Median Income |
|---|
| $90,900 |
| Persons in Family | 1-person | 2-person | 3-person | 4-person | 5-person | 6-person | 7-person | 8-person |
|---|---|---|---|---|---|---|---|---|
| 30% (Extremely Low) | $18,850 | $21,640 | $27,320 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
| 50% (Very Low) | $31,400 | $35,850 | $40,350 | $44,800 | $48,400 | $52,000 | $55,600 | $59,150 |
| 80% (Low) | $50,200 | $57,400 | $64,550 | $71,700 | $77,450 | $83,200 | $88,900 | $94,650 |
These income guidelines are in effect until revised by HUD.
Gross income is important and we use it to determine the following:
1.Income Qualifications
Gross income is compared to the HUD guidelines for 30 to 60% of AMI, not to exceed 80% of AMI.
2.Housing Burden
LHFH does not cost burden a family for a mortgage payment over 30%.
3.Debt-to-income Ratio
As a basis for determining the debt to income ratio, which is a maximum of 43% total debt ratio to qualify.
Applicant/Co-Applicant(s)
Any adult that will be living in the house and whose income will be used to qualify for a house must be an applicant or co-applicant(s). Each applicant or co-applicant(s) must sign and be obligated for the LHFH mortgage. Possible Exception: should an adult be deemed disabled or incapacitated and cannot legally execute a contract, the legal caregiver to whom any benefits are paid directly to on behalf of the disabled/ incapacitated adult, to provide shelter, food, medical and basic needs, may use income as a qualifier. Appropriate documentation is required to prove that it will be received at least 2 years moving forward.
A LHFH Homeowner(s) must have sufficient monthly income to pay the LHFH mortgage, property taxes, homeowner’s insurance and in some cases homeowner association (HOA) dues without becoming debt- burdened.