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.

Open enrollment periods for the MIHU homeownership program are held quarterly. Any person or family can apply to buy an MIHU, provided their household income does not exceed the following maximums:

Household Size Maximum Permitted Income - Effective 1/2/2020  
  Purchase  
1 $64,723  
2 $73,969  
3 $83,215  
4 $92,461  
5 $99,858  
6 $107,255  
7 $114,651  
8+ $122,048    

MIHUs are priced as much as $100,000 or more below comparable market rate homes.  Prices range from approximately $244,300 for a new condominium to $370,000 for a new townhouse and prices vary depending upon the unit size, number of bedrooms and bathrooms, and amenities.  Previously owned condominiums and townhouses are usually priced slightly lower.  MIHU’s are interspersed throughout each community and homeowners enjoy the same community amenities as market rate purchasers.  Anyone interested in purchasing an MIHU must complete an application during one of four open enrollment periods held throughout the year – during the months of January, April, July and October.

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 home buyer, 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 in a database. As 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 down payment and settlement costs.

 

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.