| --- |
| 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 |
|
|
| ```javascript |
| // 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](https://ami-lookup-tool.fanniemae.com/amilookuptool/) |
|
|
| ## Maintained By |
|
|
| [Good News Lending](https://www.goodnewslending.com) |
| Beau Thompson, NMLS #1615561 | Tate Thompson, NMLS #2473962 |
|
|
