Moderate Income Housing Unit (MIHU) Program

OPEN ENROLLMENT BEGINS JANUARY 3, 2017

The Howard County Department of Housing and Community Development (DHCD) is now accepting applications for its Moderate Income Housing Unit (MIHU) program during its first open enrollment period for 2017. Applications for the MIHU homeownership program will be accepted from Jan. 3 through Jan. 31.  You can download an application by clicking this link.

DHCD will hold two free MIHU workshops to explain the program’s eligibility requirements and application processes for prospective homebuyers and renters:

MIHU RENTERS Workshop

Date:  Tuesday, January 17, 2016

Time:  6:00 pm to 8:00 PM

 

MIHU HOMEOWNERSHIP Workshop

Date: January 18, 2016

Time: 6:00 p.m. – 8:00 p.m.

 

*Registration Required.  Please call (410) 313-6343.


These workshops are open to the public and will be held at the Gateway Building, 6751 Columbia Gateway Drive in Columbia. Guidewell Financial Solutions will be on hand to present information regarding the importance of credit scores in the home buying and rental processes. For more information or to register for a workshop, contact DHCD’s Housing Opportunities Programs Division at 410-313-6343.

 

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.