Income limits · Michigan

Income limits and price caps in Michigan

63 Michigan programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.63 Michigan programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Wayne	$104,800	8	FY2026	Wayne programs →
Ingham	$102,600	4	FY2026	Ingham programs →
Kent	$106,600	4	FY2026	Kent programs →
Genesee	$82,100	3	FY2026	Genesee programs →
Kalamazoo	$108,100	3	FY2026	Kalamazoo programs →
Oakland	$104,800	3	FY2026	Oakland programs →
Washtenaw	$142,300	3	FY2026	Washtenaw programs →
Berrien	$92,200	2	FY2026	Berrien programs →
Calhoun	$80,700	2	FY2026	Calhoun programs →
Jackson	$101,200	2	FY2026	Jackson programs →
Macomb	$104,800	2	FY2026	Macomb programs →
Ottawa	$113,700	2	FY2026	Ottawa programs →
Bay	$89,900	1	FY2026	Bay programs →
Charlevoix	$97,400	1	FY2026	Charlevoix programs →
Chippewa	$86,300	1	FY2026	Chippewa programs →
Emmet	$101,700	1	FY2026	Emmet programs →
Grand Traverse	$113,900	1	FY2026	Grand Traverse programs →
Lenawee	$87,000	1	FY2026	Lenawee programs →
Marquette	$99,900	1	FY2026	Marquette programs →
Midland	$107,200	1	FY2026	Midland programs →
Muskegon	$77,500	1	FY2026	Muskegon programs →
Saginaw	$83,200	1	FY2026	Saginaw programs →
St. Clair	$104,800	1	FY2026	St. Clair programs →
Alcona	$77,100	0	FY2026	Alcona programs →
Alger	$77,500	0	FY2026	Alger programs →
Allegan	$99,600	0	FY2026	Allegan programs →
Alpena	$72,600	0	FY2026	Alpena programs →
Antrim	$92,900	0	FY2026	Antrim programs →
Arenac	$76,800	0	FY2026	Arenac programs →
Baraga	$70,700	0	FY2026	Baraga programs →
Barry	$101,000	0	FY2026	Barry programs →
Benzie	$95,500	0	FY2026	Benzie programs →
Branch	$81,800	0	FY2026	Branch programs →
Cass	$89,800	0	FY2026	Cass programs →
Cheboygan	$79,500	0	FY2026	Cheboygan programs →
Clare	$65,100	0	FY2026	Clare programs →
Clinton	$102,600	0	FY2026	Clinton programs →
Crawford	$76,400	0	FY2026	Crawford programs →
Delta	$82,800	0	FY2026	Delta programs →
Dickinson	$83,400	0	FY2026	Dickinson programs →
Eaton	$102,600	0	FY2026	Eaton programs →
Gladwin	$77,900	0	FY2026	Gladwin programs →
Gogebic	$70,500	0	FY2026	Gogebic programs →
Gratiot	$80,100	0	FY2026	Gratiot programs →
Hillsdale	$81,300	0	FY2026	Hillsdale programs →
Houghton	$89,400	0	FY2026	Houghton programs →
Huron	$81,900	0	FY2026	Huron programs →
Ionia	$98,700	0	FY2026	Ionia programs →
Iosco	$69,800	0	FY2026	Iosco programs →
Iron	$75,300	0	FY2026	Iron programs →
Isabella	$79,000	0	FY2026	Isabella programs →
Kalkaska	$86,600	0	FY2026	Kalkaska programs →
Keweenaw	$80,900	0	FY2026	Keweenaw programs →
Lake	$62,600	0	FY2026	Lake programs →
Lapeer	$104,800	0	FY2026	Lapeer programs →
Leelanau	$122,100	0	FY2026	Leelanau programs →
Livingston	$129,000	0	FY2026	Livingston programs →
Luce	$68,700	0	FY2026	Luce programs →
Mackinac	$84,300	0	FY2026	Mackinac programs →
Manistee	$85,500	0	FY2026	Manistee programs →
Mason	$89,000	0	FY2026	Mason programs →
Mecosta	$81,700	0	FY2026	Mecosta programs →
Menominee	$83,100	0	FY2026	Menominee programs →
Missaukee	$83,100	0	FY2026	Missaukee programs →
Monroe	$95,200	0	FY2026	Monroe programs →
Montcalm	$80,600	0	FY2026	Montcalm programs →
Montmorency	$69,900	0	FY2026	Montmorency programs →
Newaygo	$79,300	0	FY2026	Newaygo programs →
Oceana	$78,100	0	FY2026	Oceana programs →
Ogemaw	$71,500	0	FY2026	Ogemaw programs →
Ontonagon	$75,200	0	FY2026	Ontonagon programs →
Osceola	$74,200	0	FY2026	Osceola programs →
Oscoda	$66,200	0	FY2026	Oscoda programs →
Otsego	$90,600	0	FY2026	Otsego programs →
Presque Isle	$82,100	0	FY2026	Presque Isle programs →
Roscommon	$73,300	0	FY2026	Roscommon programs →
Sanilac	$77,800	0	FY2026	Sanilac programs →
Schoolcraft	$75,800	0	FY2026	Schoolcraft programs →
Shiawassee	$87,600	0	FY2026	Shiawassee programs →
St. Joseph	$85,900	0	FY2026	St. Joseph programs →
Tuscola	$83,000	0	FY2026	Tuscola programs →
Van Buren	$94,400	0	FY2026	Van Buren programs →
Wexford	$82,200	0	FY2026	Wexford programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–September 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Michigan program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

29 programs

All 29 →

Up to 120% AMI

6 programs

All 6 →

Up to 100% AMI

2 programs

Other limits

No percentage published · 26
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 26 →

Limits as written in each program record, Hey Prescott, verified June–September 2026. Confirm current limits with the administering agency.

Purchase price caps

10 programs also cap the home’s price10 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
MSHDA MI Home Loan	Statewide	—	$566,355
MSHDA Mortgage Credit Certificate (MCC)	Statewide	—	$566,355
MI 10K DPA	—	80% AMI	$544,233
MSHDA Down Payment Assistance	—	80% AMI	$544,233
City of Lincoln Park Down Payment Assistance for First-Time Homebuyers	Wayne	80% AMI	$219,000
City of Livonia Down Payment Assistance for First-Time Homebuyers	Wayne	80% AMI	$219,000
Port Huron Urban Pioneer+ Down Payment Assistance Program	St. Clair	—	$218,000
Nottawaseppi Huron Band of the Potawatomi (NHBP) Down Payment Assistance Program (DPAP)	Calhoun	—	$175,000
City of Muskegon Homebuyer's Assistance Program	Muskegon	80% AMI	$169,000
Newberry Affordable Homeownership Program (Down Payment Assistance)	Wayne	—	$69,000

All 10 price caps →

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–September 2026.

Not sure where your income lands?

62 HUD-approved counseling agencies in Michigan62 HUD-approved housing counseling agencies in Michigan

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Michigan

Michigan programs65 programsBack to Michigan →All 83 countiesLocal programs and mediansSee counties →18 cities with a programbattle creek, detroit, east lansing and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Michigan?

63 down payment assistance programs in Michigan publish an income limit, a purchase price cap, or both. 37 express the limit as a share of the area median income for the county where the home is, and 20 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–September 2026.
HUD-approved housing counseling agencies: HUD agency list.