IMPACT OF NEW FMR AREA DEFINITIONS ON VERY-LOW INCOME LIMITS
This table provides data supporting FR-4995-N-01, "Proposed Metropolitan Area Definitions for FY2006 Income Limits and Estimates of Median Family Income." Specifically, it provides information about the effect of the change in OMB metropolitan area definitions (as adjusted by HUD) on Very-Low Income Limits. The table shows what FY2005 Very-Low Income Limits would have been if the metropolitan area definition changes had been used to compute them. Data are provided down to the county level (towns, for New England) and show piece by piece the change in Income Limits due solely to the change in metropolitan area definitions.
Column one outlines the new area definition. It lists the new OMB Metropolitan area (Core-Based Metropolitan Statistical Areas, or MSAs), any sub-areas (HUD Metro FMR Areas or HMFAs) defined by HUD and all the counties, or towns, within the MSA or HMFA. This column also indicates whether the new Very-Low Income Limit is based on an MSA-wide median income or on the sub-area median income. Column two shows the published FY2005 Very-Low Income Limits which were based on old OMB metropolitan areas definitions. Column three shows the raw FY2005 Very-Low Income Limits (without application of any hold-harmless rules designed to avoid decreases in Income Limits) based on new OMB metropolitan area definitions as refined by HUD. Column four shows the FY2005 Income Limits after the application of a hold harmless policy that requires the new Very-Low Income Limit to be at least as high as the published FY2005 Very-Low Income Limit for the largest piece of the new metropolitan area. Columns five and six show the change from the published FY2005 Very-Low Income Limit to the raw FY2005 new area definition Income Limit and the published FY2005 Income Limit to the new area held-harmless Income Limit, respectively.
DEFINITIONS OF ABBREVIATIONS AND NOTES
In general, the Very-Low Income Limits are 50% of the local area medians.
(SMB) indicates that the Very-Low Income Limits are 50% of the state non-metropolitan median.
(MHH) indicates that the median used for FY2005 published Very-Low Income Limit is actually the FY2004 median, i.e., held harmless against FY2004 medians.
(HH) indicates that the Very-Low Income Limits are the FY2004 Very-Low income limit, i.e., held harmless.
(HH2) represents the new held-harmless provision. Where a new area is composed of pieces of old areas, the 2005 adjusted Very-Low Income Limit is held harmless against the published FY2005 Very-Low Income Limit of the largest piece.
(HHC) indicates that the Very-Low Income Limits are adjusted for high housing costs.
(LHC) indicates that the Very-Low Income Limits are adjusted for low housing costs.
MSA indicates an OMB-defined metropolitan core-based statistical area or CBSA.
HMFA indicates a HUD-defined metropolitan area consisting of part of an OMB-defined MSA.
HMFAs have one of two types of income limit basis:
(CBSA) indicates that the HMFA Very-Low Income Limits are based on CBSA-wide data.
(SA) indicates that the HMFA Very-Low Income Limits are based on the subarea's own data.
* Public comments have been requested on a proposed change in the FMR area definitions that would eliminate any change in income limits for these counties
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ALABAMA PAGE 1
______
METROPOLITAN AREAS:
No Hold Hold
Actual Harmless Harmless Increase Increase
CBSA Name FY2005 FY2005 FY2005 (Decrease) (Decrease)
HMFA Name Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
CBSA: Anniston-Oxford, AL MSA
Calhoun County 23350 23350 23350 .00% .00%
CBSA: Auburn-Opelika, AL MSA
Lee County 27200 27200 27200 .00% .00%
Split CBSA: Birmingham-Hoover, AL MSA
Birmingham-Hoover, AL HMFA (CBSA)
Bibb County 21950 27200 28150 (HH2) 24% 28%
Blount County 28150 27200 28150 (HH2) (3.4%) .00%
Jefferson County 28150 27200 28150 (HH2) (3.4%) .00%
Shelby County 28150 27200 28150 (HH2) (3.4%) .00%
St. Clair County 28150 27200 28150 (HH2) (3.4%) .00%
Chilton County, AL HMFA (SA)
Chilton County 23150 23150 23150 .00% .00%
Walker County, AL HMFA (SA)
Walker County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
CBSA: Columbus, GA-AL MSA
Russell County 24350 24250 24350 (HH2) (.41%) .00%
CBSA: Decatur, AL MSA
Lawrence County 26400 (HH) 25450 26400 (HH2) (3.6%) .00%
Morgan County 26400 (HH) 25450 26400 (HH2) (3.6%) .00%
Split CBSA: Dothan, AL MSA
Dothan, AL HMFA (CBSA)
Geneva County 20650 (SMB) 23250 24000 (HH2) 13% 16%
Houston County 24000 23250 24000 (HH2) (3.1%) .00%
Henry County, AL HMFA (SA)
Henry County 23800 (HH) 21400 23800 (HH2) ( 10%) .00%
CBSA: Florence-Muscle Shoals, AL MSA
Colbert County 23650 23650 23650 .00% .00%
Lauderdale County 23650 23650 23650 .00% .00%
CBSA: Gadsden, AL MSA
Etowah County 22450 22450 22450 .00% .00%
CBSA: Huntsville, AL MSA
Limestone County 30650 30650 30650 .00% .00%
Madison County 30650 30650 30650 .00% .00%
CBSA: Mobile, AL MSA
Mobile County 24550 23500 24550 (HH2) (4.3%) .00%
CBSA: Montgomery, AL MSA
Autauga County 26800 26450 26800 (HH2) (1.3%) .00%
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ALABAMA : METROPOLITAN AREAS continued PAGE 2
No Hold Hold
Actual Harmless Harmless Increase Increase
CBSA Name FY2005 FY2005 FY2005 (Decrease) (Decrease)
HMFA Name Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Montgomery, AL MSA continued
Elmore County 26800 26450 26800 (HH2) (1.3%) .00%
Lowndes County 20650 (SMB) 26450 26800 (HH2) 28% 30%
Montgomery County 26800 26450 26800 (HH2) (1.3%) .00%
CBSA: Tuscaloosa, AL MSA
Greene County 20650 (SMB) 24750 26500 (HH2) 20% 28%
Hale County 20650 (SMB) 24750 26500 (HH2) 20% 28%
Tuscaloosa County 26500 24750 26500 (HH2) (6.6%) .00%
NON METROPOLITAN COUNTIES
Actual No Hold Hold Increase Increase
FY2005 Harmless Harmless (Decrease) (Decrease)
Very Low FY2005 FY2005 without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Baldwin County 24550 27550 27550 12% 12%
Barbour County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Bullock County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Butler County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Chambers County 21400 21400 (SMB) 21400 (SMB) .00% .00%
Cherokee County 21550 21550 21550 .00% .00%
Choctaw County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Clarke County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Clay County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Cleburne County 24000 (HH) 21400 (SMB) 24000 (HH2) ( 11%) .00%
Coffee County 23200 23200 23200 .00% .00%
Conecuh County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Coosa County 21300 (HH) 21400 (SMB) 21400 (SMB) .47% .47%
Covington County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Crenshaw County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Cullman County 22950 22950 22950 .00% .00%
Dale County 24000 22200 24000 (HH2) (7.5%) .00%
Dallas County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
DeKalb County 21500 (HH) 21400 (SMB) 21500 (HH2) (.47%) .00%
Escambia County 21050 21400 (SMB) 21400 (SMB) 1.7% 1.7%
Fayette County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Franklin County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Jackson County 22050 22050 22050 .00% .00%
Lamar County 21750 (HH) 21400 (SMB) 21750 (HH2) (1.6%) .00%
Macon County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Marengo County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Marion County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Marshall County 22500 22500 22500 .00% .00%
Monroe County 23200 (HH) 21400 (SMB) 23200 (HH2) (7.8%) .00%
Perry County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Pickens County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ALABAMA : NON METROPOLITAN COUNTIES continued PAGE 3
No Hold Hold
Actual Harmless Harmless Increase Increase
FY2005 FY2005 FY2005 (Decrease) (Decrease)
Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Pike County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Randolph County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Sumter County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Talladega County 22800 (MHH) 22500 22800 (HH2) (1.3%) .00%
Tallapoosa County 22250 22250 22250 .00% .00%
Washington County 22350 (HH) 21950 22350 (HH2) (1.8%) .00%
Wilcox County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
Winston County 20650 (SMB) 21400 (SMB) 21400 (SMB) 3.6% 3.6%
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ALASKA PAGE 4
______
METROPOLITAN AREAS:
No Hold Hold
Actual Harmless Harmless Increase Increase
CBSA Name FY2005 FY2005 FY2005 (Decrease) (Decrease)
HMFA Name Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Split CBSA: Anchorage, AK MSA
Anchorage, AK HMFA (CBSA)
Anchorage Municipality 39350 (MHH) 35500 39350 (HH2) (9.8%) .00%
Matanuska-Susitna Borough, AK HMFA (SA)
Matanuska-Susitna Borough 34550 (MHH) 32400 34550 (HH2) (6.2%) .00%
CBSA: Fairbanks, AK MSA
Fairbanks North Star Borough 34850 (MHH) 32150 34850 (HH2) (7.7%) .00%
NON METROPOLITAN COUNTIES
Actual No Hold Hold Increase Increase
FY2005 Harmless Harmless (Decrease) (Decrease)
Very Low FY2005 FY2005 without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Aleutians East Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Aleutians West Census Area 40850 40850 40850 .00% .00%
Bethel Census Area 34100 (SMB) 33050 (HHC) 34100 (HH2) (3.1%) .00%
Bristol Bay Borough 35900 (HH) 33800 35900 (HH2) (5.8%) .00%
Denali Borough 43100 (MHH) 39700 43100 (HH2) (7.9%) .00%
Dillingham Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Haines Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Juneau City and Borough 42500 (MHH) 39900 42500 (HH2) (6.1%) .00%
Kenai Peninsula Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Ketchikan Gateway Borough 35300 (MHH) 33650 35300 (HH2) (4.7%) .00%
Kodiak Island Borough 34450 (MHH) 33350 34450 (HH2) (3.2%) .00%
Lake and Peninsula Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Nome Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
North Slope Borough 41650 (MHH) 36650 41650 (HH2) ( 12%) .00%
Northwest Arctic Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Prince of Wales-Outer Ketchikan Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Sitka City and Borough 37500 (MHH) 35500 37500 (HH2) (5.3%) .00%
Skagway-Hoonah-Angoon Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Southeast Fairbanks Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Valdez-Cordova Census Area 36700 (MHH) 34400 36700 (HH2) (6.3%) .00%
Wade Hampton Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Wrangell-Petersburg Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Yakutat City and Borough 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
Yukon-Koyukuk Census Area 34100 (SMB) 30900 (SMB) 34100 (HH2) (9.4%) .00%
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ARIZONA PAGE 5
______
METROPOLITAN AREAS:
No Hold Hold
Actual Harmless Harmless Increase Increase
CBSA Name FY2005 FY2005 FY2005 (Decrease) (Decrease)
HMFA Name Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
CBSA: Flagstaff, AZ MSA
Coconino County 26050 26050 26050 .00% .00%
CBSA: Phoenix-Mesa-Scottsdale, AZ MSA
Maricopa County 29300 (MHH) 28950 29300 (HH2) (1.2%) .00%
Pinal County 29300 (MHH) 28950 29300 (HH2) (1.2%) .00%
CBSA: Prescott, AZ MSA
Yavapai County 23200 23200 23200 .00% .00%
CBSA: Tucson, AZ MSA
Pima County 25200 25200 25200 .00% .00%
CBSA: Yuma, AZ MSA
Yuma County 20500 (SMB) 19750 20500 (HH2) (3.7%) .00%
NON METROPOLITAN COUNTIES
Actual No Hold Hold Increase Increase
FY2005 Harmless Harmless (Decrease) (Decrease)
Very Low FY2005 FY2005 without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Apache County 20500 (SMB) 19650 (SMB) 20500 (HH2) (4.1%) .00%
Cochise County 21900 (MHH) 21700 21900 (HH2) (.91%) .00%
Gila County 20700 (MHH) 20650 20700 (HH2) (.24%) .00%
Graham County 20500 (SMB) 19650 (SMB) 20500 (HH2) (4.1%) .00%
Greenlee County 24650 24650 24650 .00% .00%
La Paz County 20500 (SMB) 19650 (SMB) 20500 (HH2) (4.1%) .00%
Mohave County 29550 (SMB) 20700 29550 (HH2) ( 30%) .00%
Navajo County 20500 (SMB) 19650 (SMB) 20500 (HH2) (4.1%) .00%
Santa Cruz County 22000 (HH) 19650 (SMB) 22000 (HH2) ( 11%) .00%
IMPACT OF NEW FMR AREA DEFINITIONS ON INCOME LIMITS
ARKANSAS PAGE 6
______
METROPOLITAN AREAS:
No Hold Hold
Actual Harmless Harmless Increase Increase
CBSA Name FY2005 FY2005 FY2005 (Decrease) (Decrease)
HMFA Name Very Low Comparison Comparison without Hold with Hold
County Income Limit Limit Limit Harmless Harmless
______
Split CBSA: Fayetteville-Springdale-Rogers, AR-MO MSA
Fayetteville-Springdale-Rogers, AR HMFA (CBSA)
Benton County 26000 (MHH) 24400 26000 (HH2) (6.2%) .00%
Madison County 20000 (SMB) 24400 26000 (HH2) 22% 30%
Washington County 26000 (MHH) 24400 26000 (HH2) (6.2%) .00%
Split CBSA: Fort Smith, AR-OK MSA
Fort Smith, AR-OK HMFA (CBSA)
Crawford County 22600 (MHH) 21150 22600 (HH2) (6.4%) .00%
Sebastian County 22600 (MHH) 21150 22600 (HH2) (6.4%) .00%
Franklin County, AR HMFA (SA)
Franklin County 21250 (MHH) 20650 21250 (HH2) (2.8%) .00%
CBSA: Hot Springs, AR MSA
Garland County 22050 (MHH) 21700 22050 (HH2) (1.6%) .00%
Split CBSA: Jonesboro, AR MSA
Jonesboro, AR HMFA (CBSA)
Craighead County 23150 22050 23150 (HH2) (4.8%) .00%
Poinsett County, AR HMFA (SA)
Poinsett County 20000 (SMB) 19550 (SMB) 20000 (HH2) (2.3%) .00%
Split CBSA: Little Rock-North Little Rock, AR MSA
Little Rock-North Little Rock, AR HMFA (CBSA)
Faulkner County 27550 (MHH) 26500 27550 (HH2) (3.8%) .00%
Lonoke County 27550 (MHH) 26500 27550 (HH2) (3.8%) .00%
Perry County 22450 (MHH) 26500 27550 (HH2) 18% 23%
Pulaski County 27550 (MHH) 26500 27550 (HH2) (3.8%) .00%
Saline County 27550 (MHH) 26500 27550 (HH2) (3.8%) .00%
Grant County, AR HMFA (SA)
Grant County 24250 24250 24250 .00% .00%
Split CBSA: Memphis, TN-MS-AR MSA
Memphis, TN-MS-AR HMFA (CBSA)
Crittenden County 28650 (HH) 26800 28650 (HH2) (6.5%) .00%
CBSA: Pine Bluff, AR MSA
Cleveland County 23350 (MHH) 21600 22800 (HH2) (7.5%) (2.4%)
Jefferson County 22800 (MHH) 21600 22800 (HH2) (5.3%) .00%
Lincoln County 20100 21600 22800 (HH2) 7.5% 13%