Income Guidelines
Area Median Incomes By Tennessee County
The Housing Fund’s lending and community-impact programs adhere to the U.S. Department of Housing & Urban Development’s Income guidelines for Area Median Incomes or AMIs (currently for 2025).
Requirements by Product
The Housing Fund’s Down Payment Assistance and Shared Equity lending programs serve homebuyers earning up to 120% of an Area Median Income, while the Nashville-based Community Land Trust program only serves populations earning 80% of AMI and below.
County AMI Tables
The Housing Fund’s home-loan programs adhere to income-eligibility guidelines under three tiers for Area Median Income (AMI) percentages by Tennessee county: Tier 1 is 80% of AMI; Tier 2 is 100% of AMI; and Tier 3 is 120% of AMI.
Below are the U.S. HUD Income Guidelines for the 2025 year, updated as of April 2025. If you do not see your Tennessee county of residence listed, the last link titled “All Other Counties” will have this information.
Nashville-Davidson MSA
Chattanooga - Hamilton County
Knoxville - Knox County
Clarksville - Montgomery County
Memphis - Shelby County
Our Affordable Homebuyer Programs
Homeownership is closer than you think. The Housing Fund offers three different programs for those ready to take the next step toward buying a home: Down Payment Assistance, Shared Equity Homeownership, and a Community Land Trust (for Nashville-Davidson).
