Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area Income Limits (2026)
These are HUD’s 2026 income limits for Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area (area median income $117,400). They determine who qualifies for income-based and affordable housing — Section 8 vouchers, public housing, Section 202/811, and Low-Income Housing Tax Credit (LIHTC) units — by household size.
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area’s area median income of $117,400 ranks #3 of 83 HUD income-limit areas in North Carolina, where area medians range from $59,300 to $132,300.
| Household size | Extremely Low (30% AMI) | Very Low (50% AMI) | Low (80% AMI) |
|---|---|---|---|
| 1 person | $24,650 | $41,100 | $65,750 |
| 2 people | $28,200 | $47,000 | $75,150 |
| 3 people | $31,700 | $52,850 | $84,550 |
| 4 people | $35,200 | $58,700 | $93,900 |
| 5 people | $38,680 | $63,400 | $101,450 |
| 6 people | $44,360 | $68,100 | $108,950 |
| 7 people | $50,040 | $72,800 | $116,450 |
| 8 people | $55,720 | $77,500 | $123,950 |
Across household sizes, the Very Low Income (50%) threshold in Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area runs from $41,100 for a single person up to $77,500 for an eight-person household. The Low Income (80%) limit — used by many LIHTC and workforce units — reaches $123,950 for a household of eight. These limits apply to 5 counties (Cabarrus County, Gaston County, Mecklenburg County, Union County, and more).
Do you qualify?
Most income-based programs cap eligibility at the Very Low Income (50%) level, and the deepest assistance — public housing and most Section 8 vouchers — targets households at or below Extremely Low Income (30%). LIHTC and other affordable units commonly use the Low Income (80%) threshold. For example, a household of four in Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area generally qualifies for income-based housing if it earns under $58,700, and for the deepest assistance under $35,200.
Frequently asked questions
What is the income limit for a family of four in Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area?
A four-person household generally qualifies at or below $58,700 (Very Low Income), with the deepest assistance under $35,200 (Extremely Low Income) and LIHTC units commonly at $93,900 (Low Income).
What is the income limit for one person in Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area?
A single-person household qualifies for most income-based programs at or below $41,100, and for the deepest assistance under $24,650.
Counties covered: Cabarrus County, Gaston County, Mecklenburg County, Union County, York County.
Find income-based housing in this area
Nearby North Carolina income-limit areas
Source: U.S. Department of Housing and Urban Development (HUD), FY2026 Income Limits. Limits are updated annually and may be adjusted for high-cost areas.