Colorado Income Limits

2022 Income Limits

2022 Income Limits in Colorado by county. Click on the map below to view Income Limits for a particular county.

Colorado Map

Minimum Income Limit
Maximum Income Limit

Income Limits vary across Colorado based on County as well as number people per houshold. The average Income Limit for a low income, 3-person family, in Colorado is $65,359.

The highest average Income Limit for a low income, 3-person family, in the United States is $81,000 in District of Columbia. The lowest for a low income, 3-person family, is $20,667 in Puerto Rico.

View the Income Limits Overview for detailed information about Income Limits. Click on a specific county on the map or from the table below for detailed Income Limit information.

How does Colorado compare?

The highest Income Limit for a low income, 3-person family, in Colorado is $81,000 in Boulder County. The lowest Income Limit for a low income, 3-person family, is $59,200 in Costilla County.

Colorado ($65,359) has a 9.4% higher Income Limit for low income, 3-person household, than the average of the US ($59,753).

Colorado is rank 13th out of 56 States and territories. This means the Income Limits, or in other words, the is higher than 43 other States and territories. Colorado is the 13th most expensive State or territory in terms of Income Limits.

Average Median Income for Colorado

13th
Rank
$82,511
Average Median
Average Income Limits for Colorado per person
Income Bracket 1-Pers 2-Pers 3-Pers 4-Pers 5-Pers 6-Pers 7-Pers 8-Pers
Extremely Low $19,313 $22,055 $25,280 $29,476 $33,631 $37,892 $42,248 $46,677
Very Low $32,158 $36,740 $41,322 $45,900 $49,587 $53,266 $56,950 $60,629
Low $50,836 $58,083 $65,359 $72,590 $78,434 $84,234 $90,035 $95,838
Counties in Colorado (64) Extremely Low Income
County Rank 1-Pers 2-Pers 3-Pers 4-Pers 8-Pers 6-Pers 7-Pers 8-Pers
Adams County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Alamosa County 61st $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Arapahoe County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Archuleta County 41st $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Baca County 60th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Bent County 63rd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Boulder County 1st $26,350 $30,100 $33,850 $37,600 $40,650 $43,650 $46,650 $49,650
Broomfield County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Chaffee County 29th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Cheyenne County 26th $17,950 $20,500 $23,050 $27,750 $32,470 $37,190 $41,910 $46,630
Clear Creek County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Conejos County 62nd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Costilla County 64th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Crowley County 52nd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Custer County 35th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Delta County 45th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Denver County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Dolores County 55th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Douglas County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Eagle County 12th $23,500 $26,850 $30,200 $33,550 $36,250 $38,950 $41,910 $46,630
Elbert County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
El Paso County 21st $19,400 $22,150 $24,900 $27,750 $32,470 $37,190 $41,910 $46,630
Fremont County 46th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Garfield County 20th $19,800 $22,600 $25,450 $28,250 $32,470 $37,190 $41,910 $46,630
Gilpin County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Grand County 23rd $18,550 $21,200 $23,850 $27,750 $32,470 $37,190 $41,910 $46,630
Gunnison County 22nd $18,600 $21,250 $23,900 $27,750 $32,470 $37,190 $41,910 $46,630
Hinsdale County 34th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Huerfano County 58th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Jackson County 50th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Jefferson County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Kiowa County 56th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Kit Carson County 47th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Lake County 36th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
La Plata County 18th $20,650 $23,600 $26,550 $29,450 $32,470 $37,190 $41,910 $46,630
Larimer County 14th $22,550 $25,800 $29,000 $32,200 $34,800 $37,400 $41,910 $46,630
Las Animas County 51st $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Lincoln County 31st $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Logan County 32nd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Mesa County 28th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Mineral County 33rd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Moffat County 30th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Montezuma County 49th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Montrose County 39th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Morgan County 36th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Otero County 53rd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Ouray County 24th $18,650 $21,300 $23,950 $27,750 $32,470 $37,190 $41,910 $46,630
Park County 2nd $24,650 $28,150 $31,650 $35,150 $38,000 $40,800 $43,600 $46,630
Phillips County 42nd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Pitkin County 13th $22,700 $25,950 $29,200 $32,400 $35,000 $37,600 $41,910 $46,630
Prowers County 59th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Pueblo County 44th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Rio Blanco County 27th $17,750 $20,250 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Rio Grande County 48th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Routt County 16th $21,500 $24,600 $27,650 $30,700 $33,200 $37,190 $41,910 $46,630
Saguache County 57th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
San Juan County 42nd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
San Miguel County 19th $20,100 $23,000 $25,850 $28,700 $32,470 $37,190 $41,910 $46,630
Sedgwick County 40th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Summit County 15th $22,000 $25,150 $28,300 $31,400 $33,950 $37,190 $41,910 $46,630
Teller County 25th $18,550 $21,200 $23,850 $27,750 $32,470 $37,190 $41,910 $46,630
Washington County 38th $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Weld County 17th $20,800 $23,800 $26,750 $29,700 $32,470 $37,190 $41,910 $46,630
Yuma County 53rd $17,300 $19,750 $23,030 $27,750 $32,470 $37,190 $41,910 $46,630
Counties in Colorado (64) Very Low Income
County Rank 1-Pers 2-Pers 3-Pers 4-Pers 5-Pers 6-Pers 7-Pers 8-Pers
Adams County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Alamosa County 61st $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Arapahoe County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Archuleta County 41st $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Baca County 60th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Bent County 63rd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Boulder County 1st $43,900 $50,200 $56,450 $62,700 $67,750 $72,750 $77,750 $82,800
Broomfield County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Chaffee County 29th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Cheyenne County 26th $29,900 $34,200 $38,450 $42,700 $46,150 $49,550 $52,950 $56,400
Clear Creek County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Conejos County 62nd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Costilla County 64th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Crowley County 52nd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Custer County 35th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Delta County 45th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Denver County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Dolores County 55th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Douglas County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Eagle County 12th $39,150 $44,750 $50,350 $55,900 $60,400 $64,850 $69,350 $73,800
Elbert County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
El Paso County 21st $32,250 $36,850 $41,450 $46,050 $49,750 $53,450 $57,150 $60,800
Fremont County 46th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Garfield County 20th $33,000 $37,700 $42,400 $47,100 $50,900 $54,650 $58,450 $62,200
Gilpin County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Grand County 23rd $30,850 $35,250 $39,650 $44,050 $47,600 $51,100 $54,650 $58,150
Gunnison County 22nd $31,000 $35,400 $39,850 $44,250 $47,800 $51,350 $54,900 $58,450
Hinsdale County 34th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Huerfano County 58th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Jackson County 50th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Jefferson County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Kiowa County 56th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Kit Carson County 47th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Lake County 36th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
La Plata County 18th $34,350 $39,250 $44,150 $49,050 $53,000 $56,900 $60,850 $64,750
Larimer County 14th $37,600 $42,950 $48,300 $53,650 $57,950 $62,250 $66,550 $70,850
Las Animas County 51st $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Lincoln County 31st $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Logan County 32nd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Mesa County 28th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Mineral County 33rd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Moffat County 30th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Montezuma County 49th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Montrose County 39th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Morgan County 36th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Otero County 53rd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Ouray County 24th $31,050 $35,450 $39,900 $44,300 $47,850 $51,400 $54,950 $58,500
Park County 2nd $41,050 $46,900 $52,750 $58,600 $63,300 $68,000 $72,700 $77,400
Phillips County 42nd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Pitkin County 13th $37,800 $43,200 $48,600 $54,000 $58,350 $62,650 $67,000 $71,300
Prowers County 59th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Pueblo County 44th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Rio Blanco County 27th $29,550 $33,750 $37,950 $42,150 $45,550 $48,900 $52,300 $55,650
Rio Grande County 48th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Routt County 16th $35,850 $40,950 $46,050 $51,150 $55,250 $59,350 $63,450 $67,550
Saguache County 57th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
San Juan County 42nd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
San Miguel County 19th $33,500 $38,250 $43,050 $47,800 $51,650 $55,450 $59,300 $63,100
Sedgwick County 40th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Summit County 15th $36,650 $41,900 $47,150 $52,350 $56,550 $60,750 $64,950 $69,150
Teller County 25th $30,950 $35,400 $39,800 $44,200 $47,750 $51,300 $54,850 $58,350
Washington County 38th $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Weld County 17th $34,650 $39,600 $44,550 $49,500 $53,500 $57,450 $61,400 $65,350
Yuma County 53rd $28,800 $32,900 $37,000 $41,100 $44,400 $47,700 $51,000 $54,300
Counties in Colorado (64) Low Income
County Rank 1-Pers 2-Pers 3-Pers 4-Pers 8-Pers 6-Pers 7-Pers 8-Pers
Adams County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Alamosa County 61st $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Arapahoe County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Archuleta County 41st $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Baca County 60th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Bent County 63rd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Boulder County 1st $63,000 $72,000 $81,000 $89,950 $97,150 $104,350 $111,550 $118,750
Broomfield County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Chaffee County 29th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Cheyenne County 26th $47,850 $54,650 $61,500 $68,300 $73,800 $79,250 $84,700 $90,200
Clear Creek County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Conejos County 62nd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Costilla County 64th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Crowley County 52nd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Custer County 35th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Delta County 45th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Denver County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Dolores County 55th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Douglas County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Eagle County 12th $62,650 $71,600 $80,550 $89,450 $96,650 $103,800 $110,950 $118,100
Elbert County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
El Paso County 21st $51,600 $59,000 $66,350 $73,700 $79,600 $85,500 $91,400 $97,300
Fremont County 46th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Garfield County 20th $52,750 $60,300 $67,850 $75,350 $81,400 $87,450 $93,450 $99,500
Gilpin County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Grand County 23rd $49,350 $56,400 $63,450 $70,500 $76,150 $81,800 $87,450 $93,100
Gunnison County 22nd $49,600 $56,650 $63,750 $70,800 $76,500 $82,150 $87,800 $93,500
Hinsdale County 34th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Huerfano County 58th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Jackson County 50th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Jefferson County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Kiowa County 56th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Kit Carson County 47th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Lake County 36th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
La Plata County 18th $54,950 $62,800 $70,650 $78,450 $84,750 $91,050 $97,300 $103,600
Larimer County 14th $60,100 $68,650 $77,250 $85,800 $92,700 $99,550 $106,400 $113,300
Las Animas County 51st $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Lincoln County 31st $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Logan County 32nd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Mesa County 28th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Mineral County 33rd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Moffat County 30th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Montezuma County 49th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Montrose County 39th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Morgan County 36th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Otero County 53rd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Ouray County 24th $49,600 $56,700 $63,800 $70,850 $76,550 $82,200 $87,900 $93,550
Park County 2nd $62,600 $71,550 $80,500 $89,400 $96,600 $103,750 $110,900 $118,050
Phillips County 42nd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Pitkin County 13th $60,500 $69,150 $77,800 $86,400 $93,350 $100,250 $107,150 $114,050
Prowers County 59th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Pueblo County 44th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Rio Blanco County 27th $47,250 $54,000 $60,750 $67,450 $72,850 $78,250 $83,650 $89,050
Rio Grande County 48th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Routt County 16th $57,300 $65,500 $73,700 $81,850 $88,400 $94,950 $101,500 $108,050
Saguache County 57th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
San Juan County 42nd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
San Miguel County 19th $53,550 $61,200 $68,850 $76,500 $82,650 $88,750 $94,900 $101,000
Sedgwick County 40th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Summit County 15th $58,650 $67,000 $75,400 $83,750 $90,450 $97,150 $103,850 $110,550
Teller County 25th $49,500 $56,600 $63,650 $70,700 $76,400 $82,050 $87,700 $93,350
Washington County 38th $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800
Weld County 17th $55,450 $63,400 $71,300 $79,200 $85,550 $91,900 $98,250 $104,550
Yuma County 53rd $46,050 $52,600 $59,200 $65,750 $71,050 $76,300 $81,550 $86,800

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HUD Seal

Income Limits are estimated by the HUD.