README.md

metadata

license: other
tags:
  - mortgage
  - fannie-mae
  - ami
  - income-limits
  - homeready
  - county

Fannie Mae 2026 County-Level AMI Data

Official 2026 Area Median Income (AMI) data from Fannie Mae for all 3,144 US counties. Used for HomeReady® and Home Possible® income eligibility checks.

Files

File	Description
fannie-ami-2026-county.json	Key-value lookup by 5-digit county FIPS code
fannie-ami-2026.jsonl	JSONL format, one record per county
fannie-ami-2026-by-state.json	Organized by state name

Schema

Each record contains:

• fips — 5-digit county FIPS code (e.g., "28035")
• county — County name
• state — State name
• highCostArea — Boolean, true if designated high-cost area
• ami — 2026 Area Median Income
• veryLowIncome — 50% AMI (very low-income threshold)
• lowIncome — 80% AMI (low-income threshold)
• homeReadyLimit — HomeReady® borrower income eligibility limit (= HP Borrower's Income Eligibility from Fannie Mae)
• ami2025 — 2025 AMI for year-over-year comparison
• amiChange — Dollar change from 2025 to 2026
• totalTracts — Number of census tracts in county

Usage

// Fetch county AMI data
const res = await fetch(
  'https://huggingface.co/datasets/Good-News-Lending/fannie-ami-2026/resolve/main/fannie-ami-2026-county.json'
);
const amiData = await res.json();

// Look up by 5-digit FIPS
const forrestCountyMS = amiData['28035'];
// { fips: '28035', county: 'Forrest', state: 'Mississippi', ami: 79800, homeReadyLimit: 63840, ... }

Source

Fannie Mae 2026 MFI/AMI County Data
Published: 2026
Source: Fannie Mae AMI Lookup Tool

Maintained By

Good News Lending
Beau Thompson, NMLS #1615561 | Tate Thompson, NMLS #2473962