Howard County Moderate Income Housing

Moderate Income Housing Unit (MIHU) Program

The MIHU Program is an inclusionary zoning program that requires developers of new housing in specific zoning districts to sell or rent a portion (generally 10-15%) of the dwelling units to households of moderate income. MIHUs are sold or rented at affordable prices and rents set by Howard County Housing.

Any person or family can apply to buy or rent an MIHU, provided their household income does not exceed the following maximums:

Household Size Maximum Permitted Income Effective 1/1/2017
Purchase Rent
1 $62,100 $46,575
2 $70,971 $53,228
3 $79,842 $59,882
4 $88,714 $66,535
5 $95,811 $71,858
6 $102,908 $77,181
7 $110,005 $82,504
8+ $117,102 $87,826

Base sale prices for MIHUs range from $228,000 for a condominium to $322,000 for a townhouse. Prices vary depending on the size and amenities of the unit. Rents range from about $1,068 to $1,620. MIHUs are interspersed throughout each development and enjoy all of the amenities of each community.

An individual wishing to purchase an MIHU must fill out an application form during one of four open enrollment periods held throughout the year — during the months of January, April, July and October.

For more information, call our MIHU Division at 410-313-6343.

To learn what happens after you submit your application read: ” Now What” ?

The application includes information about the applicant’s income, assets and household size. In addition, an applicant may qualify for one or more purchasing preferences, such as: a first-time homebuyer, living or working in Howard County, or employed by County government, the school system, or a nonprofit organization.

Once an application is received and determined complete, the applicant’s name is placed on a waiting list. As for-sale MIHUs become available, eligible applicants are notified and invited to attend a lottery drawing to select an eligible purchaser for each home. The selected purchaser must contract with the seller, obtain a mortgage commitment, and pay all downpayment and settlement costs.

Applicants interested in MIHU rentals may apply directly to a participating rental community at anytime during the year. MIHUs are rented on a first-come, first-serve basis. MIHUs are interspersed throughout each community and residents enjoy all the amenities of the community life. Rental management addresses and phone numbers can be found on the Apartments for Rent page below.

Homes for Sale updated January, 2017

MIHU Regulations

Read our most ” Frequently Asked Questions” about our MIHU program.

Questions? Call the Department of Housing and Community Development at (410) 313-6318 for additional information about housing unit types, unit sizes, purchase or rental prices and further details about how you can become eligible for affordable housing opportunities.

Howard County Housing and Community Development
6751 Columbia Gateway Dr #300
Columbia, MD, 21046

Website: Home Ownership Opportunities

Queen Anne’s County MPDU Down Payment Assistance Program

MPDU Down Payment Assistance Program

Queen Anne’s County Department of Community Services, Housing and Community Services is pleased to announce the Moderately Priced Dwelling Unit (MPDU) Deferred Second Mortgage Program for moderate-income homebuyers in Queen Anne’s County.

Under this program, eligible recipients can receive funding to help purchase a home. This funding comes in the form of a deferred loan that will be made to qualified applicants which doesn’t have to be paid back until the property is sold or is no longer the primary residence.


To qualify, an individual or family must complete the application process and meet all of the requirements as outlined in the MPDU Second Mortgage Financing Program Guidelines.

In addition, there are income requirements as outlined in the maximum allowable income chart.

Household Size Maximum Allowable Income
1 $46,100
2 $52,650
3 $59,250
4 $65,800
5 $71,100
6 $76,350

Please review the guidelines and application documents listed below. If you have any questions, contact Candice Darling at 410-758-3977, ext. 2070.

Application Documents

Mike Clark – Executive Director of Housing & Family Services


Housing & Community Services
104 Powell Street
Centreville, MD 21617

Phone: 410-758-3977  Fax: 410-758-4499

Hours: (Except holidays): Monday – Friday 8 a.m. – 4:30 p.m.

Staff Directory


Maryland Mortgage Program – You’ve Earned It Initiative

Maryland Mortgage Program – You’ve Earned It Initiative

The Maryland Mortgage Program (MMP) is offered through the Maryland Department of Housing and Community Development (DHCD). For a limited time, eligible homebuyers that that purchase a home in one of Maryland’s Sustainable Communities, and who have at least $25,000 in student debt may qualify for a 0.25% discount on the standard MMP mortgage rate. This program is primarily for first time homebuyers, but exemptions apply.

For more information visit the Department of Housing and Community Development Maryland Mortgage Program.

Healthy Neighborhoods Loan Program For Baltimore City

Healthy Neighborhoods Loan Program

Healthy Neighborhoods oversees a $30.5 million private loan fund and provides special below-market loans to homebuyers and homeowners in Baltimore City to encourage investment and standard-setting renovation. Healthy Neighborhoods provides four innovative loans to eligible borrowers.

For a list of loan pool lenders who have contributed to this fund, click here.

Purchase & Renovate

Buying a home in one of Baltimore’s Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. What’s in it for you? A below-market interest rate, free design advice, no private mortgage insurance requirement and more. What’s in it for us? We get new neighbors invested in keeping Baltimore beautiful! Learn More

Special Purchase

The special first mortgage loan is available to home buyers who will purchase formerly vacant homes in Belair-Edison developed by St. Ambrose Housing Aid Center and other formerly vacant homes developed by Healthy Neighborhoods approved developers. Learn More

Refinance & Renovate

Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block. Learn More


Home Improvement

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire. Learn More

Visit Healthy Neighborhoods Website



Fatal error: Uncaught Error: Call to undefined function paginate() in /home/maryla69/public_html/wp-content/themes/smartsolutions/archive.php:38 Stack trace: #0 /home/maryla69/public_html/wp-includes/template-loader.php(74): include() #1 /home/maryla69/public_html/wp-blog-header.php(19): require_once('/home/maryla69/...') #2 /home/maryla69/public_html/index.php(17): require('/home/maryla69/...') #3 {main} thrown in /home/maryla69/public_html/wp-content/themes/smartsolutions/archive.php on line 38