Affordable housing generally means not spending more than 30% of a household’s income on housing, including rent and utilities for renters, and mortgage, interest, insurance, taxes and utilities for homeowners. For purposes of affordable housing planning and funding, State Housing law establishes the following income levels:
Very Low Income | 31 to 50% Area Median Income |
Low Income | 51 to 80% Area Median Income |
Moderate Income | 81 to 120% Area Median Income |
Above Moderate Income | >120% Area Median Income |
According to the Census, median household income in Eureka is $46,926 (2017-2021). However, for the purpose of determine affordable housing prices, HCD has set the 2023 median income in Humboldt County at $83,800 for a family of four (HCD raises Humboldt County’s area median income to equal California’s non-metropolitan median income). HCD uses the $83,800 median income value to determine which Humboldt County households qualify as very-low income, low income, and moderate income as follows:
Official 2023 State Income Limits for Humboldt County by Income Category
| Household Size |
Income Category | 4-person | 3-person | 2-person | 1-person |
Very Low Income | $41,250 | $37,150 | $33,000 | $28,900 |
Low Income | $65,950 | $59,400 | $52,800 | $46,200 |
Moderate Income | $100,550 | $90,500 | $80,450 | $70,400 |
As shown in the table above, if a four-person household earns the median household income in Eureka of $46,926, that household qualifies as low-income. A one-person household earning $46,926 qualifies as moderate income. For context, the minimum wage in California will increase to $16.00 per hour in January 2024. A person working full time (2,080 hours per year) and earning minimum wage will bring home $33,280 in 2024.