Looking for an Affordable Home?

While the City of Eugene does not own, operate, build, or manage housing, we collaborate with non-profit and other affordable housing providers. Below is information for affordable housing and affordable housing providers in the area.

What is “Affordable” Housing?

Across the United States, housing costs are considered “affordable” if the monthly rent or mortgage, plus utilities, add up to no more than one-third (or 30%) of gross household earnings.

What is Area Median Income (AMI)?

Area Median Income, commonly referred to as “AMI,” is a federal calculation based on census data from every geographic area. The number matters a great deal when looking at affordable housing in Eugene – an area with a current AMI of $49,000 for a one-person household, or $70,000 for a four-person household.

Households earning less than that are very likely to be adversely affected by housing costs. Below is the 2020 AMI chart for the Eugene-Springfield area, by household size. Consider that many people who work, including full-time work, earn less than 100% AMI. This is why Eugene is concerned about income levels, housing affordability, and creating more units for people under 80% AMI.

2020 Eugene/Springfield HUD Income Based on Household Size (CDBG programs)

(Effective July 1, 2020)

% AMI	1 Person	2 Persons	3 Persons	4 Persons	5 Persons	6 Persons
30%	$14,700	$16,800	$18,900	$21,000	$22,700	$24,400
50%	$24,500	$28,000	$31,500	$35,000	$37,800	$40,600
80%	$39,200	$44,800	$50,400	$56,000	$60,500	$65,000
100%	$49,000	$56,000	$63,000	$70,000	$75,600	$81,200