What is Affordable Housing?

Affordable housing is important to the City and a priority for our residents.  Affordable housing is a key factor in community vitality and continued economic growth. Affordable housing provides stability for families, improves opportunities for education and career advancement, and reduces the risk of homelessness for households that are dependent on low wages or fixed incomes.

Different people and organizations define affordable housing in different ways. The City of Raleigh’s definition of affordable housing is total housing cost (rent or mortgage and utilities) that is no more than 30% of a household’s income. Raleigh uses the U.S. Department of Housing and Urban Development (HUD) rules for income restricted housing. What this means is incomes that fall within a certain range can qualify for reduced or subsidized housing. HUD updates the numbers as economic conditions change.



To qualify for the income restricted (80% or below of Area Median Income) homes your income must fall within the chart. 

Family Size HUD Gross Income Limit
1 $51,950
2 $59,350
3 $66,750
4 $74,150
5 $80,100
6 $86,050
7 $91,950
8 $97,900

Annual Federal Spending Reporting

Annual Federal Spending Reporting 


The Community Development Division is unique within the City of Raleigh because it is primarily federally funded. The Federal government requires that these funds are spent responsibly and benefit low-and moderate-income residents. Every year the Community Development Division produces an Annual Action Plan to show how federal monies will be spent in the coming fiscal year. The Consolidated Annual Performance and Evaluation Report (CAPER) is a yearly report to the US Department of Housing and Urban Development demonstrating how federal funds are spent.

The City is committed to creating 570 affordable housing units a year for the next 10 years. There are four programs the Community Development Division uses to meet this goal. The programs provide assistance with homeownership, neighborhood revitalization, creation of rental developments, and provide owner occupied loans in order to bring homes up to proper living standards.


Community Report on Housing and Community Development Planned Expenditures (2019-20)

Consolidated Annual Performance and Evaluation Report Summary (2017-18)