---
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