Sarasota County, FL income limits
Official source data 2026-05-01
Mortgage income benchmark (separate from HUD assistance)
$87,760
annual Home Possible income limit, 2026
Mortgage AMI uses the FHFA-derived file published by Freddie Mac. HomeReady and Home Possible generally use an 80% AMI threshold. Confirm a specific property and loan in the official program lookup.
Sarasota County / North Port-Bradenton-Sarasota, FL MSA
Compare your income.
An income check alone does not establish program eligibility.
HUD assistance limits for your household.
These published household-size limits include HUD adjustments and poverty-guideline floors. They are not simply 30%, 50%, and 80% of the county median.
| HUD category | Annual limit for 4 people | Your income comparison |
|---|---|---|
| Extremely low income (HUD) | $34,250 | Above the income limit |
| Very low income (HUD) | $57,050 | Above the income limit |
| Low income (HUD) | $91,300 | Within the income limit |
Household-size comparison
| Household | Extremely low | Very low | Low income |
|---|---|---|---|
| 1 person | $24,000 | $39,950 | $63,950 |
| 2 people | $27,400 | $45,650 | $73,050 |
| 3 people | $30,850 | $51,350 | $82,200 |
| 4 people | $34,250 | $57,050 | $91,300 |
| 5 people | $38,680 | $61,650 | $98,650 |
| 6 people | $44,360 | $66,200 | $105,950 |
| 7 people | $50,040 | $70,750 | $113,250 |
| 8 people | $55,720 | $75,350 | $120,550 |
Mortgage AMI is a separate number.
Published 2026 mortgage-program AMI for Sarasota County is $109,700. Mortgage borrower limits use qualifying borrower income and the property’s location; they are not adjusted with the HUD household-size table.
| AMI share | Annual amount | Use |
|---|---|---|
| 30% of mortgage AMI | $32,910 | Illustrative percentage, not an assistance limit |
| 50% of mortgage AMI | $54,850 | Illustrative percentage, not an assistance limit |
| 80% of mortgage AMI | $87,760 | HomeReady / Home Possible benchmark |
| 100% of mortgage AMI | $109,700 | Illustrative percentage, not an assistance limit |
| 120% of mortgage AMI | $131,640 | Illustrative percentage, not an assistance limit |
At your entered $60,000 income, you are within the published $87,760 Home Possible income benchmark. Credit, occupancy, loan, and property requirements still apply.
Freddie Mac 2026 county AMI file. Effective for applicable submissions from June 13, 2026.
Good questions. Clear answers.
What are the 2026 income limits in Sarasota County?
For 4 people in the selected HUD area, the low-income limit is $91,300. The household-size table shows the other published categories.
Are HomeReady limits the same as HUD income limits?
No. Mortgage limits use a separate FHFA-derived AMI dataset and qualifying borrower income. HUD assistance limits include household-size and program adjustments.
How do I calculate 80% of AMI?
Multiply the mortgage AMI of $109,700 by 0.8: $87,760. That math is different from a published HUD low-income limit.
Does household size change Home Possible’s income limit?
The county mortgage benchmark is not the HUD household-size table. Check the official property and income eligibility tool and lender underwriting requirements.
Does being below a limit mean I qualify?
It satisfies only a comparison of entered income with the selected benchmark. Program rules may also involve assets, credit, household definitions, occupancy, and other eligibility criteria.
Check the source.
Data as of 2026-05-01. Retrieved .