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1. What is Affordable Housing?

The US Department of Housing & Urban Development (HUD) defines Affordable Housing as housing where the occupant is paying no more than 30% of gross income on housing, including utilities.  Households paying more than 30% of gross income on housing are considered “housing or cost burdened”.  

2. Who is eligible for Affordable Housing?

States and local governments determine eligibility for Affordable Housing.  Commonly, households earning 80% of the Area Median Income (AMI) is the threshold for eligibility.  In Connecticut, 80% of AMI is the threshold.

Every year, the US Dept of Housing & Urban Development (HUD) calculates and publishes the AMI for every geographic region in the country using data from the US Census-based American Community Survey.

Per HUD:  

• Low-income households earn less than 80% of AMI; 
• Very low-income households earn less than 50% of AMI; 
• Extremely low-income households earn less than 30% of AMI.  

3. How is Affordable Housing defined in Connecticut?

Per CT General Statute 8-30g, Affordable Housing is defined as: 

1. housing that costs less than 30% of the income of a household earning 80% of the Area Median Income; and 
2. either, 
   1. has been deed restricted to ensure the housing unit will remain Affordable for a period of forty years, or, 
   2. are ownership units that are currently financed by the CT Housing Finance Authority (CHFA) or US Dept of Agriculture (USDA).    

4. What is CT General Statute 8-30g?

CT General Statute 8-30g was enacted in 1989 seeking to increase the supply of Affordable Housing in the State of CT.  8-30g requires all municipalities in CT to achieve 10% of its housing stock as Affordable Housing as defined by the State.  In towns that have less than 10% Affordable Housing, 8-30g allows a developer to override local zoning regulations and build housing as long as 30% of the units are guaranteed to remain Affordable. 

5. Does Madison have Affordable Housing as defined by CT General Statute 8-30g?

Yes.  

1.68% of Madison’s total housing stock is considered Affordable as defined by Statute 8-30g.  (September 2023)

6. What is the Area Median Income (AMI) in Madison?

The Area Median Income (AMI) in Madison = $111,900.00 (2023 HUD)

7. Who is eligible for Affordable Housing in Madison?

Households earning not more than 80% of Area Median Income (AMI) are eligible for Affordable Housing in Madison.

• 80% of AMI in Madison = $89,520.00 (2023 HUD).

8. How much can a household in Madison spend monthly/yearly for housing costs and not be “housing or cost-burdened”?

To not be “housing or cost burdened”, total housing costs are less than 30% of the income of a household earning 80% of the Area Median Income (AMI). AMI in Madison = $111,900.00 (2023 HUD).

• 80% of $111,900.00 (AMI) = $89,520.00.
• 30% of $89,520.00 = $26,856.00.
• In Madison, 30% of 80% of AMI = $26,856.00 yearly or $2238.00 monthly for total housing costs, including utilities.

9. Where is Affordable Housing in Madison? **

Location	Features
Concord Meadows Woodland Road	90 rental units for elderly & disabled Government assisted
West Sussex New Road & Sussex Place	8 units Deed restricted
The Orchards Apple Way/Lovers Lane	7 units Deed restricted
Meadowview Jasper Lane	4 units Deed restricted
Twin Pines Stephanie Court Samantha Lane Durham Lane	10 units Deed restricted
East River Farms Boston Post Road	4 units Deed restricted
The Wellington Boston Post Road	under construction

• Government assisted = 90 units
• Tenant rental assistance = 3 
• Single family CHFA/USDA mortgages = 9 
• Deed restricted units = 33 

TOTAL ASSISTED = 135 = 1.68% of all housing units in Madison

** as of September 2023