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    

Base sale prices for MIHUs range from $162,885 for a condominium to $308,586 for a townhouse. Prices vary depending on the size and amenities of the unit and are interspersed throughout each development.  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.

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.