74 FR 7 pgs. 1229-1243 - Section 8 Housing Assistance Payments Program—Contract Rent Annual Adjustment Factors, Fiscal Year 2009
Type: NOTICEVolume: 74Number: 7Pages: 1229 - 1243
Docket number: [Docket No. FR-5278-N-01]
FR document: [FR Doc. E9-374 Filed 1-9-09; 8:45 am]
Agency: Housing and Urban Development Department
Official PDF Version: PDF Version
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-5278-N-01]
Section 8 Housing Assistance Payments Program-Contract Rent Annual Adjustment Factors, Fiscal Year 2009
AGENCY:
Office of the Secretary, HUD.
ACTION:
Notice of Revised Contract Rent Annual Adjustment Factors.
SUMMARY:
The United States Housing Act of 1937 requires that assistance contracts signed by owners participating in the Department's Section 8 housing assistance payments programs provide for annual adjustment in the monthly rentals for units covered by the contract. This notice announces revised Annual Adjustment Factors (AAFs) for adjustment of contract rents on assistance contract anniversaries. The factors are based on a formula using data on residential rent and utilities cost changes from the most current annual Bureau of Labor Statistics Consumer Price Index (CPI) survey. These factors are applied at Housing Assistance Payment (HAP) contract anniversaries for those calendar months commencing after the effective date of this notice.
DATES:
Effective Date: January 12, 2009.
FOR FURTHER INFORMATION CONTACT:
Contact David Vargas, Associate Deputy Assistant Secretary for Office of Public Housing and Voucher Programs, 202-708-2815, for questions relating to the Project-Based Certificate, and Moderate Rehabilitation programs (non Single Room Occupancy); Ann Oliva, Office of Special Needs Assistance Programs, Office of Community Planning and Development, 202-708-4300 for questions regarding the Single Room Occupancy (SRO) Moderate Rehabilitation program; Willie Spearmon, Director, Office of Housing Assistance and Grant Administration, Office of Housing, 202-708-3000, for questions relating to all other section 8 programs; and Marie L. Lihn, Senior Economist, Economic and Market Analysis Division, Office of Policy Development and Research 202-708-0590, for technical information regarding the development of the schedules for specific areas or the methods used for calculating the AAFs. Mailing address for the above persons: Department of Housing and Urban Development, 451 7th Street, SW., Washington, DC 20410. Hearing-or speech-impaired persons may contact the Federal Information Relay Service at 800-877-8339 (TTY). (Other than the "800" TTY number, the above-listed telephone numbers are not toll free.)
SUPPLEMENTARY INFORMATION:
In addition to being published in the Federal Register , these data will be available electronically from the HUD data information page at http://www.huduser.org/datasets/aaf.html .
I. Applying AAFs to Various Section 8 Programs
AAFs established by this Notice are used to adjust contract rents for units assisted in certain Section 8 housing assistance payments programs during the initial ( i.e. , pre-renewal) term of the HAP contract and for all units in the Project-Based Certificate program. There are three categories of section 8 programs that use the AAFs:
Category 1-The Section 8 New Construction and Substantial Rehabilitation programs and the Section 8 Moderate Rehabilitation program.
Category 2-The Section 8 Loan Management (LM) and Property Disposition (PD) programs.
Category 3-The Section 8 Project-Based Certificate (PBC) program.
Each section 8 program category uses the AAFs differently. The specific application of the AAFs is determined by the law, the HAP contract, and appropriate program regulations or requirements.
AAFs are not used in the following cases:
Renewal Rents . With the exception of the Project-Based Certificate program, AAFs are not used to determine renewal rents after expiration of the original section 8 HAP contract (either for projects where the section 8 HAP contract is renewed under a restructuring plan adopted under 24 CFR part 401; or renewed without restructuring under 24 CFR part 402). In general, renewal rents are based on the applicable state-by-state operating cost adjustment factor (OCAF) published by HUD; the OCAF is applied to the previous year's contract rent minus debt service.
Budget-based Rents . AAFs are not used for budget-based rent adjustments. For projects receiving Section 8 subsidies under the LM program (24 CFR part 886, subpart A) and for projects receiving Section 8 subsidies under the PD program (24 CFR part 886, subpart C), contract rents are adjusted, at HUD's option, either by applying the AAFs, or by budget-based adjustments in accordance with 24 CFR 886.112(b) and 24 CFR 886.312(b). Budget-based adjustments are used for most section 8/202 projects.
Certificate Program . In the past, AAFs were used to adjust the contract rent (including manufactured home space rentals) in both the tenant-based and project-based certificate programs. The tenant-based certificate program has been terminated and all tenancies in the tenant-based certificate program have been converted to the Housing Choice Voucher Program, which does not use AAFs to adjust rents. All tenancies remaining in the project-based certificate program continue to use AAFs to adjust contract rent for outstanding HAP contracts.
Voucher Program . AAFs are not used to adjust rents in the Tenant-Based or the Project-Based Voucher programs.
Moderate Rehabilitation Program . Under the Section 8 Moderate Rehabilitation program, (both the regular program and the single room occupancy program), the public housing agency (PHA) applies the AAF to the base rent component of the contract rent, not the full contract rent.
II. Adjustment Procedures
This section of the notice provides a broad description of procedures for adjusting the contract rent. Technical details and requirements are described in HUD notices H 2002-10 (Section 8 New Construction and Substantial Rehabilitation, Loan Management, and Property Disposition) and PIH 97-57 (Moderate Rehabilitation and Project-Based Certificates).
Because of statutory and structural distinctions among the various Section 8 programs, there are separate rent adjustment procedures for the three program categories:
Category 1: Section 8 New Construction, Substantial Rehabilitation, and Moderate Rehabilitation Programs
In the section 8 New Construction and Substantial Rehabilitation programs, the published AAF factor is applied to the pre-adjustment contract rent. In the section 8 Moderate Rehabilitation program, the published AAF is applied to the pre-adjustment base rent.
For Category 1 programs, the Table 1 AAF factor is applied before determining comparability (rent reasonableness). Comparability applies if the pre-adjustment gross rent (pre-adjustment contract rent plus any allowance for tenant-paid utilities) is above the published Fair Market Rent (FMR).
If the comparable rent level (plus any initial difference) is lower than the contract rent as adjusted by application of the Table 1 AAF, the comparable rent level (plus any initial difference) will be the new contract rent. However, the pre-adjustment contract rent will not be decreased by application of comparability.
In all other cases ( i.e. , unless the contract rent is reduced by comparability):
• The Table 1 AAF is used for a unit occupied by a new family since the last annual contract anniversary.
• The Table 2 AAF is used for a unit occupied by the same family as at the time of the last annual contract anniversary.
Category 2: The Loan Management Program (24 CFR Part 886, Subpart A) and Property Disposition Program (24 CFR Part 886, Subpart C)
At this time Category 2 programs are not subject to comparability. (Comparability will again apply if HUD establishes regulations for conducting comparability studies under 42 U.S.C. 1437f(c)(2)(C).) Rents are adjusted by applying the full amount of the applicable AAF under this notice.
The applicable AAF is determined as follows:
• The Table 1 AAF is used for a unit occupied by a new family since the last annual contract anniversary.
• The Table 2 AAF is used for a unit occupied by the same family as at the time of the last annual contract anniversary.
Category 3: Section 8 Certificate Project-Based Certificate Program
The following procedures are used to adjust contract rent for outstanding HAP contracts in the section 8 PBC program:
• The Table 2 AAF is always used. The Table 1 AAF is not used.
• The Table 2 AAF is always applied before determining comparability (rent reasonableness).
• Comparability always applies. If the comparable rent level is lower than the rent to owner (contract rent) as adjusted by application of the Table 2 AAF, the comparable rent level will be the new rent to owner.
• The new rent to owner will not be reduced below the contract rent on the effective date of the HAP contract.
III. When To Use Reduced AAFs (From AAF Table 2)
In accordance with Section 8(c)(2)(A) of the United States Housing Act of 1937 (42 U.S.C. 1437f(c)(2)(A)), the AAF is reduced by 0.01:
• For all tenancies assisted in the Section 8 Project-Based Certificate program.
• In other Section 8 programs, for a unit occupied by the same family at the time of the last annual rent adjustment (and where the rent is not reduced by application of comparability (rent reasonableness)).
The law provides that:
Except for assistance under the certificate program, for any unit occupied by the same family at the time of the last annual rental adjustment, where the assistance contract provides for the adjustment of the maximum monthly rent by applying an annual adjustment factor and where the rent for a unit is otherwise eligible for an adjustment based on the full amount of the factor, 0.01 shall be subtracted from the amount of the factor, except that the factor shall not be reduced to less than 1.0. In the case of assistance under the certificate program, 0.01 shall be subtracted from the amount of the annual adjustment factor (except that the factor shall not be reduced to less than 1.0), and the adjusted rent shall not exceed the rent for a comparable unassisted unit of similar quality, type and age in the market area. 42 U.S.C. 1437f(c)(2)(A).
To implement the law, HUD publishes two separate AAF Tables, contained in Schedule C, Tables 1 and 2 of this notice. The difference between Table 1 and Table 2 is that each AAF in Table 2 is 0.01 less than the corresponding AAF in Table 1. Where an AAF in Table 1 would otherwise be less than 1.0, it is set at 1.0, as required by statute; the corresponding AAF in Table 2 will also be set at 1.0, as required by statute.
IV. How To Find the AAF
The AAFs are contained in Schedule C, Tables 1 and 2 of this notice. There are two columns in each table. The first column is used to adjust contract rent for units where the highest cost utility is included in the contract rent, i.e., where the owner pays for the highest cost utility. The second column is used where the highest cost utility is not included in the contract rent, i.e., where the tenant pays for the highest cost utility.
The applicable AAF is selected as follows:
• Determine whether Table 1 or Table 2 is applicable. In Table 1 or Table 2, locate the AAF for the geographic area where the contract unit is located.
• Determine whether the highest cost utility is or is not included in contract rent for the contract unit.
• If highest cost utility is included, select the AAF from the column for "highest cost included." If highest cost utility is not included, select the AAF from the column for "utility excluded."
V. Methodology
AAFs are rent inflation factors. Two types of rent inflation factors are calculated for AAFs: Gross rent factors and shelter rent factors. The gross rent factor accounts for inflation in the cost of both the rent of the residence and the utilities used by the unit; the shelter rent factor accounts for the inflation in the rent of the residence, but does not include any change in the cost of utilities. The gross rent inflation factor is designated as "Highest Cost Utility Included" and the shelter rent inflation factor is designated as "Highest Cost Utility Excluded".
AAFs are calculated using CPI data on "rent of primary residence" and "fuels and utilities".1The CPI inflation index for rent of primary residence measures the inflation of all surveyed units regardless of whether utilities are included in the rent of the unit or not. In other words, it measures the inflation of the "contract rent" which includes units with all utilities included in the rent, units with some utilities included in the rent and units with no utilities included in the rent. In producing a gross rent inflation factor and a shelter rent inflation factor, HUD decomposes the contract rent CPI inflation factor into parts to represent the gross rent change and the shelter rent change. This is done by applying the percentage of renters who pay for heat (a proxy for the percentage of renters who pay shelter rent) from the Consumer Expenditure Survey (CEX) and American Community Survey (ACS) data on the ratio of utilities to rents.2
Footnotes:
1 CPI indexes CUUSA103SEHA and CUSR0000SAH2, respectively.
2 The formulas used to produce these factors can be found in the Annual Adjustment Factors overview and in the FMR documentation at http://www.HUDUSER.org.
Survey Data Used To Produce AAFs
In this publication, the rent and utility inflation factors for large metropolitan areas and Census regions are based on changes in the rent of primary residence and fuels and utilities CPI indices from 2006 to 2007. The CEX data used to decompose the contract rent inflation factor into gross rent and shelter rent inflation factors come from a special tabulation of 2006 CEX survey data produced for HUD for the purpose of computing AAFs. The utility-to-rent ratio used in the formula comes from 2006 ACS median rent and utility costs.
Geographic Areas
AAFs are produced for all Class A CPI cities (CPI cities with a population of 1.5 million or more) and for the four Census Regions. They are applied to core-based statistical areas (CBSAs), as defined by the Office of Management and Budget (OMB), according to how much of the CBSA is covered by the CPI city-survey. If more than 75 percent of the CBSA is covered by the CPI city-survey, the AAF that is based on that CPI survey is applied to the whole CBSA and to any HUD-defined metropolitan area, called "HUD Metro FMR Area" (HMFA), within that CBSA. If the CBSA is not covered by a CPI city-survey, the CBSA uses the relevant regional CPI factor. Almost all non-metropolitan counties use regional CPI factors.3For areas assigned the Census Region CPI factor, both metropolitan and non-metropolitan areas receive the same factor.
Footnotes:
3 There are four non-metropolitan counties that continue to use CPI city updates: Ashtabula County, OH, Henderson County, TX, Island County, WA, and Lenawee County, MI. BLS has not updated the geography underlying its survey for new OMB metropolitan area definitions, and these counties are no longer in metropolitan areas, but they are included as parts of CPI surveys because they meet the 75 percent standard HUD imposes on survey coverage. These four counties are treated the same as metropolitan areas using CPI city data.
Each metropolitan area that uses a local CPI update factor is listed alphabetically in the tables, by state and each HMFA is listed alphabetically within its respective CBSA. Each AAF applies to a specified geographic area and to units of all bedroom sizes. AAFs are provided:
• For separate metropolitan areas, including HMFAs and counties that are currently designated as non-metropolitan, but are part of the metropolitan area defined in the local CPI survey.
• For the four Census Regions for those metropolitan and non-metropolitan areas that are not covered by a CPI city-survey.
The AAFs shown in Schedule C use the same OMB metropolitan area definitions, as revised by HUD, that are used in the FY 2009 FMRs.
Area Definitions in Schedule C
To make certain that they are using the correct AAFs, users should refer to the area definitions section at the end of Schedule C. For units located in metropolitan areas with a local CPI survey, AAFs are listed separately. For units located in areas without a local CPI survey, the metropolitan or nonmetropolitan counties receive the regional CPI for that Census Region.
The AAF area definitions shown in Schedule C are listed in alphabetical order by state. The associated CPI region is shown next to each state name. Areas whose AAFs are determined by local CPI surveys are listed first. All metropolitan areas with local CPI surveys have separate AAF schedules and are shown with their corresponding county definitions or as metropolitan counties. In the six New England states, the listings are for counties or parts of counties as defined by towns or cities. The remaining counties use the CPI for the Census Region and are not specifically listed on Schedule C or the area file.
Puerto Rico and the Virgin Islands use the South Region AAFs. All areas in Hawaii use the AAFs identified in the Table as "STATE: Hawaii," which are based on the CPI survey for the Honolulu metropolitan area. The Pacific Islands use the West Region AAFs.
Accordingly, HUD publishes these Annual Adjustment Factors for the Section 8 Housing Assistance Payments programs as set forth in the Tables.
Dated: January 6, 2009.
Darlene F. Williams,
Assistant Secretary for PolicyDevelopment and Research.
| CPI areas | Counties/towns |
|---|---|
| Alabama (South) | |
| All Counties in Alabama use the South Region AAF | |
| Alaska (West) | |
| Anchorage, AK MSA: | |
| Metropolitan Area Components: | |
| Anchorage, AK HMFA | Anchorage. |
| Matanuska-Susitna Borough, AK HMFA | Matanuska-Susitna. |
| All other Boroughs use the West Region AAF | |
| Arizona (West) | |
| Phoenix-Mesa-Scottsdale, AZ MSA | Maricopa, Pinal. |
| All other Counties use the West Region AAF | |
| Arkansas (South) | |
| All Counties in Arkansas use the South Region AAF | |
| California (West) | |
| Los Angeles-Long Beach-Santa Ana, CA MSA: | |
| Metropolitan Area Components: | |
| Los Angeles-Long Beach, CA HMFA | Los Angeles. |
| Orange County, CA HMFA | Orange. |
| Napa, CA MSA | Napa. |
| Oxnard-Thousand Oaks-Ventura, CA MSA | Ventura. |
| Riverside-San Bernardino-Ontario, CA MSA | Riverside, San Bernardino. |
| San Diego-Carlsbad-San Marcos, CA MSA | San Diego. |
| San Francisco-Oakland-Fremont, CA MSA | |
| Metropolitan Area Components: | |
| Oakland-Fremont, CA HMFA | Alameda, Contra Costa. |
| San Francisco, CA HMFA | Marin, San Francisco, San Mateo. |
| San Jose-Sunnyvale-Santa Clara, CA MSA: | |
| Metropolitan Area Components: | |
| San Benito County, CA HMFA | San Benito. |
| San Jose-Sunnydale-Santa Clara, CA HMFA | Santa Clara. |
| Santa Cruz-Watsonville, CA MSA | Santa Cruz. |
| Santa Rosa-Petaluma, CA MSA | Sonoma. |
| Vallejo-Fairfield, CA MSA: | Solano. |
| All other Counties in California use the West Region AAF | |
| Colorado (West) | |
| Boulder, CO MSA | Boulder. |
| Denver-Aurora, CO MSA | Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park. |
| Greeley, CO MSA | Weld. |
| All other Counties in Colorado use the West Region AAF | |
| Connecticut (Northeast) | |
| Bridgeport-Stamford-Norwalk, CT MSA: | |
| Metropolitan Area Components: | |
| Bridgeport, CT HMFA | Fairfield County towns of Bridgeport, Easton, Fairfield, Monroe, Shelton, Stratford, Trumbull. |
| Danbury, CT HMFA | Fairfield County towns of Bethel, Brookfield, Danbury, New Fairfield, Newtown, Redding, Ridgefield, Sherman. |
| Stamford-Norwalk, CT HMFA | Fairfield County towns of Darien, Greenwich, New Canaan, Norwalk, Stamford, Weston, Westport, Wilton. |
| New Haven-Milford, CT MSA: | |
| Metropolitan Area Components: | |
| Milford-Ansonia-Seymour, CT HMFA | New Haven County towns of Ansonia, Beacon Falls, Derby, Milford, Oxford, Seymour. |
| New Haven-Meriden, CT HMFA | New Haven County towns of Bethany, Branford, Cheshire, East Haven, Guilford, Hamden, Madison, Meriden, New Haven, North Branford, North Haven, Orange, Wallingford, West Haven, Woodbridge. |
| Waterbury, CT HMFA | New Haven County towns of Middlebury, Naugatuck, Prospect, Southbury, Waterbury, Wolcott. |
| All other Counties/Towns in Connecticut use the Northeast Region AAF | |
| Delaware (South) | |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | New Castle. |
| All other Counties in Delaware use the South Region AAF | |
| Dist. of Columbia (South) | |
| Washington-Arlington-Alexandria, DC-VA-MD HMFA | District of Columbia. |
| Florida (South) | |
| Miami-Fort Lauderdale-Pompano Beach, FL MSA: | |
| Metropolitan Area Components: | |
| Fort Lauderdale, FL HMFA | Broward. |
| Miami-Miami Beach-Kendall, FL HMFA | Miami-Dade. |
| West Palm Beach-Boca Raton, FL HMFA | Palm Beach. |
| Tampa-St. Petersburg-Clearwater, FL MSA | Hernando, Hillsborough, Pasco, Pinellas. |
| All other Counties in Florida use the South Region AAF | |
| Georgia (South) | |
| Atlanta-Sandy Springs-Marietta, GA MSA: | |
| Metropolitan Area Components: | |
| Atlanta-Sandy Springs-Marietta, GA HMFA | Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton. |
| Butts County, GA HMFA | Butts. |
| Haralson County, GA HMFA | Haralson. |
| Lamar County, GA HMFA | Lamar. |
| Meriwether County, GA HMFA | Meriwether. |
| All other Counties in Georgia use the South Region AAF | |
| Hawaii (West) | |
| STATE Hawaii | Hawaii, Honolulu, Kalawao, Kauai, Maui. |
| Idaho (West) | |
| All Counties in Idaho use the West Region AAF | |
| Illinois (Midwest) | |
| Chicago-Naperville-Joliet, IL-IN-WI MSA: | |
| Metropolitan Area Components: | |
| Chicago-Naperville-Joliet, IL HMFA | Cook, DuPage, Kane, Lake, McHenry, Will. |
| De Kalb County, IL HMFA | DeKalb. |
| Grundy County, IL | Grundy. |
| Kendall County, IL | Kendall. |
| Kankakee-Bradley, IL MSA | Kankakee. |
| St. Louis, MO-IL MSA: | |
| Metropolitan Area Components: | |
| Bond County, IL HMFA | Bond. |
| Macoupin County, IL HMFA | Macoupin. |
| St. Louis, MO-IL HMFA | Calhoun, Clinton, Jersey, Madison, Monroe, St. Clair. |
| All other Counties in Illinois use the Midwest Region AAF | |
| Indiana (Midwest) | |
| Chicago-Naperville-Joliet, IL-IN-WI MSA: | |
| Metropolitan Area Components: | |
| Gary, IN HMFA | Lake, Newton, Porter. |
| Jasper County, IN MFA | Jasper. |
| Cincinnati-Middleton, OH-KY-IN HMFA | Dearborn, Franklin, Ohio. |
| All other Counties in Indiana use the Midwest Region AAF | |
| Iowa (Midwest) | |
| All Counties in Iowa use the Midwest Region AAF | |
| Kansas (Midwest) | |
| Kansas City, MO-KS MSA: | |
| Metropolitan Area Components: | |
| Franklin County, KS HMFA | Franklin. |
| Kansas City, MO-KS HMFA | Johnson, Leavenworth, Linn, Miami, Wyandotte. |
| All other Counties in Kansas use the Midwest Region AAF | |
| Kentucky (South) | |
| Cincinnati-Middleton, OH-KY-IN MSA: | |
| Metropolitan Area Components: | |
| Cincinnati-Middleton OH-KY-IN HMFA | Boone, Bracken, Campbell, Gallatin, Kenton, Pendleton. |
| Grant County, KY HMFA | Grant. |
| All other Counties in Kentucky use the South Region AAF | |
| Louisiana (South) | |
| All Parishes in Louisiana use the South Region AAF | |
| Maine (Northeast) | |
| All Counties in Maine use the Northeast Region AAF | |
| Maryland (South) | |
| Baltimore-Towson, MD MSA: | |
| Metropolitan Area Components: | |
| Baltimore-Towson, MD HMFA | Anne Arundel, Baltimore, Carroll, Harford, Howard, Queen Anne's, Baltimore City. |
| Columbia city, MD MSA | |
| Hagerstown-Martinsburg, MD-WV MSA | Washington. |
| Washington-Arlington-Alexandria, DC-VA-MD HMFA | Calvert, Charles, Frederick, Montgomery, Prince George's. |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | Cecil. |
| All other Counties in Maryland use the South Region AAF | |
| Massachusetts (Northeast) | |
| Boston-Cambridge-Quincy, MA-NH MSA: | |
| Metropolitan Area Components: | |
| Boston-Cambridge-Quincy, MA-NH HMFA | Essex County towns of Amesbury, Beverly city, Danvers, Essex, Gloucester city, Hamilton, Ipswich, Lynn city, Lynnfield, Manchester-by-the-Sea, Marblehead, Middleton, Nahant, Newbury, Newburyport city, Peabody city, Rockport, Rowley, Salem city, Salisbury, Saugus, Swampscott, Topsfield, Wenham. |
| Middlesex County towns of Acton, Arlington, Ashby, Ashland, Ayer, Bedford, Belmont, Boxborough, Burlington, Cambridge city, Carlisle, Concord, Everett city, Framingham, Holliston, Hopkinton, Hudson, Lexington, Lincoln, Littleton, Malden city, Marlborough city, Maynard, Medford city, Melrose city, Natick, Newton city, North Reading, Reading, Sherborn, Shirley, Somerville, Stoneham, Stow, Sudbury, Townsend, Wakefield, Waltham city, Watertown city, Wayland, Weston, Wilmington, Winchester, Woburn city. | |
| Norfolk County towns of Bellingham, Braintree, Brookline, Canton, Cohasset, Dedham, Dover, Foxborough, Franklin city, Holbrook, Medfield, Medway, Millis, Milton, Needham, Norfolk, Norwood, Plainville, Quincy city, Randolph, Sharon, Stoughton, Walpole, Wellesley, Westwood, Weymouth, Wrentham. | |
| Boston-Cambridge-Quincy, MA-NH MSA: | |
| Metropolitan Area Components: | |
| Boston-Cambridge-Quincy, MA-NH HMFA | Plymouth County towns of Carver, Duxbury, Hanover, Hingham, Hull, Kingston, Marshfield, Norwell, Pembroke, Plymouth, Rockland, Scituate, Wareham. |
| Suffolk county towns of Boston city, Chelsea city, Revere city, Winthrop. | |
| Brockton, MA HMFA | Norfolk County town of Avon. |
| Plymouth County towns of Abington, Bridgewater, Brockton city, East Bridgewater, Halifax, Hanson, Lakeville, Marion, Mattapoisett, Middleborough, Plympton, Rochester, West Bridgewater town, Whitman. | |
| Lawrence, MA-NH HMFA | Essex County towns of Andover, Boxford, Georgetown, Groveland, Haverhill city, Lawrence city Merrimac, Methuen city, North Andover, West Newbury. |
| Lowell, MA HMFA | Middlesex County towns of Billerica, Chelmsford, Dracut, Dunstable, Groton, Lowell city, Pepperell, Tewksbury, Tyngsborough, Westford. |
| Worcester, MA MSA: | |
| Metropolitan Area Components: | |
| Eastern Worcester County, MA HMFA | Worcester County towns of Berlin, Blackstone, Bolton, Harvard, Hopedale, Lancaster, Mendon, Milford, Millville, Southborough, Upton. |
| Fitchburg-Leominster, MA HMFA | Worcester County towns of Ashburnham, Fitchburg, Gardner, Leominster, Lunenburg, Templeton, Westminster, Winchendon. |
| Western Worcester County, MA HMFA | Worcester County towns of Athol, Hardwick, Hubbardston, New Braintree, Petersham, Phillipston, Royalston, Warren. |
| Worcester, MA HMFA | Worcester County towns of Auburn, Barre, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, East Brookfield, Grafton, Holden, Leicester, Millbury, Northborough, Northbridge, North Brookfield, Oakham, Oxford, Paxton, Princeton, Rutland, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Uxbridge, Webster, Westborough, West Boylston, West Brookfield, Worcester. |
| All other Counties/Towns in Massachusetts use the Northeast Region AAF | |
| Michigan (Midwest) | |
| Ann Arbor, MI MSA | Washtenaw. |
| Detroit-Warren-Livonia, MI MSA: | |
| Metropolitan Area Components: | |
| Detroit-Warren-Livonia, MI HMFA | Lapeer, Macomb, Oakland, St. Clair, Wayne. |
| Livingston County, MI HMFA | Livingston. |
| Flint, MI MSA | Genesee. |
| Lenawee County, MI | Lenawee. |
| Monroe, MI MSA | Monroe. |
| All other Counties in Michigan use the Midwest Region AAF | |
| Minnesota (Midwest) | |
| Minneapolis-St. Paul-Bloomington, MN-WI MSA: | Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, Wright. |
| All other Counties in Minnesota use the Midwest Region AAF | |
| Mississippi (South) | |
| All Counties in Mississippi use the South Region AAF | |
| Missouri (Midwest) | |
| Kansas City, MO-KS MSA: | |
| Metropolitan Area Components: | |
| Bates County, MO HMFA | Bates. |
| Kansas City, MO-KS HMFA | Caldwell, Cass, Clay, Clinton, Jackson, Lafayette, Platte, Ray. |
| St. Louis, MO-IL MSA: | |
| Metropolitan Area Components: | |
| St. Louis, MO-IL HMFA | Sullivan city part of Crawford, Franklin, Jefferson, Lincoln, St. Charles, St. Louis, Warren, St. Louis city. |
| Washington County, MO HMFA | Washington. |
| All other Counties in Missouri (including the rest of Crawford County) use the Midwest Region AAF | |
| Montana (West) | |
| All Counties in Montana use the West Region AAF | |
| Nebraska (Midwest) | |
| All Counties in Nebraska use the Midwest Region AAF | |
| Nevada (West) | |
| All Counties in Nevada use the West Region AAF | |
| New Hampshire (Northeast) | |
| Boston-Cambridge-Quincy, MA-NH MSA: | |
| Metropolitan Area Components: | |
| Boston-Cambridge-Quincy, MA-NH HMFA | Rockingham County towns of Seabrook, South Hampton. |
| Lawrence, MA-NH HMFA | Rockingham County towns of Atkinson, Chester, Danville, Derry, Fremont, Hampstead, Kingston, Newton, Plaistow, Raymond, Salem, Sandown, Windham. |
| Portsmouth-Rochester, NH HMFA | Rockingham County towns of Brentwood, East Kingston, Epping, Exeter, Greenland, Hampton, Hampton Falls, Kensington, New Castle, Newfields, Newington, Newmarket, North Hampton, Portsmouth, Rye, Stratham. |
| Strafford County towns of Barrington, Dover, Durham, Farmington, Lee, Madbury, Middleton, Milton, New Durham, Rochester, Rollinsford, Somersworth, Strafford. | |
| Western Rockingham County, NH HMFA | Rockingham County towns of Auburn, Candia, Deerfield, Londonderry, Northwood, Nottingham. |
| Manchester-Nashua, NH MSA: | |
| Metropolitan Area Components: | |
| Hillsborough County, NH (part) HMFA | Hillsborough County towns of Antrim, Bennington, Deering, Francestown, Greenfield, Hancock, Hillsborough, Lyndeborough, New Boston, Peterborough, Sharon, Temple, Windsor. |
| Manchester, NH HMFA | Hillsborough County towns of Bedford, Goffstown, Manchester, Weare. |
| Nashua, NH HMFA | Hillsborough County towns of Amherst, Brookline, Greenville, Hollis, Hudson, Litchfield, Mason, Merrimack, Milford, Mont Vernon, Nashua, New Ipswich, Pelham, Wilton. |
| All other Counties/Towns in New Hampshire use Northeast Region AAF | |
| New Jersey (Northeast) | |
| Atlantic City, NJ MSA | Atlantic. |
| New York-Northern New Jersey-Long Island, NY-NJ-PA MSA: | |
| Metropolitan Area Components: | |
| Bergen-Passaic, NJ HMFA | Bergen, Passaic. |
| Jersey City, NJ HMFA | Hudson. |
| Middlesex-Somerset-Hunterdon, NJ HMFA | Hunterdon, Middlesex, Somerset. |
| New York-Monmouth-Ocean, NY-NJ HMFA | Monmouth, Ocean. |
| Newark, NJ HMFA | Essex, Morris, Sussex, Union. |
| Ocean City, NJ MSA | Cape May. |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | Burlington, Camden, Gloucester, Salem. |
| Trenton-Ewing, NJ MSA | Mercer. |
| Vineland-Millville-Bridgeton, NJ MSA | Cumberland. |
| Warren County uses the Northeast Region AAF. | |
| New Mexico (West) | |
| All Counties in New Mexico use the West Region AAF | |
| New York (Northeast) | |
| New York-Northern New Jersey-Long Island, NY-NJ-PA MSA: | |
| Metropolitan Area Components: | |
| Nassau-Suffolk, NY HMFA | Nassau, Suffolk. |
| New York-Monmouth-Ocean, NY-NJ HMFA | Bronx, Kings, New York, Putnam, Queens, Richmond, Rockland. |
| Westchester County, NY HMFA | Westchester. |
| Poughkeepsie-Newburgh-Middletown, NY MSA | Dutchess, Orange. |
| All other Counties in New York use the Northeast Region AAF | |
| North Carolina (South) | |
| All Counties in North Carolina use the South Region AAF | |
| North Dakota (Midwest) | |
| All Counties in North Dakota use the Midwest Region AAF | |
| Ohio (Midwest) | |
| Akron, OH MSA | Portage, Summit. |
| Ashtabula County, OH | Ashtabula. |
| Cincinnati-Middleton, OH-KY-IN MSA: | |
| Metropolitan Area Components: | |
| Brown County, OH HMFA | Brown. |
| Cincinnati-Middleton OH-KY-IN HMFA | Butler, Clermont, Hamilton, Warren. |
| Cleveland-Elyria-Mentor, OH | Cuyahoga, Geauga, Lake, Lorain, Medina. |
| All other Counties in Ohio use the Midwest Region AAF | |
| Oklahoma (South) | |
| All Counties in Oklahoma use the South Region AAF | |
| Oregon (West) | |
| Portland-Vancouver-Beaverton, OR-WA MSA | Clackamas, Columbia, Multnomah, Washington, Yamhill. |
| Salem, OR MSA | Marion, Polk. |
| All other Counties in Oregon use the West Region AAF | |
| Pennsylvania (Northeast) | |
| New York-Northern New Jersey-Long Island, NY-NJ-PA MSA: | |
| Metropolitan Area Components: | |
| Pike County, PA HMFA | Pike. |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | Bucks, Chester, Delaware, Montgomery, Philadelphia. |
| Pittsburgh, PA MSA: | |
| Metropolitan Area Components: | |
| Armstrong County, PA HMFA | Armstrong. |
| Pittsburgh, PA HMFA | Allegheny, Beaver, Butler, Fayette, Washington, Westmoreland. |
| All other Counties in Pennsylvania use the Northeast Region AAF | |
| Rhode Island (Northeast) | |
| All Counties/Towns in Rhode Island use the Northeast Region AAF | |
| South Carolina (South) | |
| All Counties in South Carolina use the South Region AAF | |
| South Dakota (Midwest) | |
| All Counties in South Dakota use the Midwest Region AAF | |
| Tennessee (South) | |
| All Counties in Tennessee use the South Region AAF | |
| Texas (South) | |
| Dallas-Fort Worth-Arlington, TX MSA: | |
| Metropolitan Area Components: | |
| Dallas, TX HMFA | Collin, Dallas, Delta, Denton, Ellis, Hunt, Kaufman, Rockwall. |
| Fort Worth-Arlington, TX HMFA | Johnson, Parker, Tarrant. |
| Wise County, TX HMFA | Wise. |
| Henderson County, TX | Henderson. |
| Houston-Sugar Land-Baytown, TX MSA: | |
| Metropolitan Area Components: | |
| Austin, County, TX HMFA | Austin. |
| Brazoria County, TX HMFA | Brazoria. |
| Houston-Baytown-Sugar Land, TX HMFA | Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, San Jacinto, Waller. |
| All other Counties in Texas use the South Region AAF | |
| Utah (West) | |
| All Counties in Utah use the West Region AAF | |
| Vermont (Northeast) | |
| All Counties/Towns in Vermont use the Northeast Region AAF | |
| Virginia (South) | |
| Washington-Arlington-Alexandria, DC-VA-MD-WV MSA: | |
| Metropolitan Area Components: | |
| Warren County, VA HMFA | Warren. |
| Washington-Arlington-Alexandria, DC-VA-MD HMFA | Arlington, Clarke, Fairfax, Fauquier, Loudoun, Prince William, Spotsylvania, Stafford, Alexandria city, Fairfax city, Falls Church city, Fredericksburg city, Manassas Park city, Manassas city. |
| All other Counties/Cities in Virginia use the South Region AAF | |
| Washington (West) | |
| Bremerton-Silverdale, WA MSA | Kitsap. |
| Island County, WA | Island. |
| Olympia, WA MSA | Thurston. |
| Portland-Vancouver, OR-WA MSA | Clark, Skamania. |
| Seattle-Tacoma-Bellevue, WA MSA: | |
| Metropolitan Area Components: | |
| Seattle-Bellevue, WA HMFA | King, Snohomish. |
| Tacoma, WA HMFA | Pierce. |
| All other Counties in Washington use the West Region AAF | |
| West Virginia (South) | |
| Hagerstown-Martinsburg, MD-WV MSA | Berkeley, Morgan. |
| Washington-Arlington-Alexandria, DC-VA-MD-WV MSA: | |
| Metropolitan Area Components: | |
| Jefferson County, WV HMFA | Jefferson. |
| All other Counties in West Virginia use the South Region AAF | |
| Wisconsin (Midwest) | |
| Milwaukee-Waukesha-West Allis, WI MSA | Milwaukee, Ozaukee, Washington, Waukesha. |
| Minneapolis-St. Paul-Bloomington, MN-WI MSA | Pierce, St. Croix. |
| Racine, WI MSA | Racine. |
| All other areas of Wisconsin use the Midwest Region AAF | |
| Wyoming (West) | |
| All Counties in Wyoming use the West Region AAF | |
| Pacific Islands (West) | |
| The American Samoa, Guam, Northern Mariana Islands, and Palau use the West Region AAF | |
| Puerto Rico (South) | |
| All Municipios use the South Region AAF | |
| Virgin Islands (South) | |
| The U.S. Virgin Islands use the South Region AAF | |
| Highest cost utility | Included | Excluded | |
|---|---|---|---|
| Midwest Region | 1.026 | 1.021 | |
| Northeast Region | 1.039 | 1.035 | |
| South Region | 1.040 | 1.050 | |
| West Region | 1.040 | 1.040 | |
| Akron, OH MSA | 1.015 | 1.025 | |
| Anchorage, AK MSA | 1.037 | 1.015 | |
| Metropolitan Area Components: | |||
| Anchorage, AK HMFA | |||
| Matanuska-Susitna Borough, AK HMFA | |||
| Ann Arbor, MI MSA | 1.018 | 1.023 | |
| Ashtabula County, OH | 1.014 | 1.025 | |
| Atlanta-Sandy Springs-Marietta, GA MSA | 1.046 | 1.050 | |
| Metropolitan Area Components: | |||
| Atlanta-Sandy Springs-Marietta, GA HMFA | |||
| Butts County, GA HMFA | |||
| Haralson County, GA HMFA | |||
| Lamar County, GA HMFA | |||
| Meriwether County, GA HMFA | |||
| Atlantic City-Hammonton, NJ MSA | 1.042 | 1.043 | |
| Baltimore-Towson, MD MSA | 1.058 | 1.042 | |
| Metropolitan Area Components: | |||
| Baltimore-Towson, MD HMFA | |||
| Columbia city, MD HMFA | |||
| Boston-Cambridge-Quincy, MA-NH MSA | 1.024 | 1.029 | |
| Metropolitan Area Components: | |||
| Boston-Cambridge-Quincy, MA-NH HMFA | |||
| Brockton, MA HMFA | |||
| Lawrence, MA-NH HMFA | |||
| Lowell, MA HMFA | |||
| Portsmouth-Rochester, NH HMFA | |||
| Western Rockingham County, NH HMFA | |||
| Boulder, CO MSA | 1.007 | 1.015 | |
| Bremerton-Silverdale, WA MSA | 1.066 | 1.067 | |
| Bridgeport-Stamford-Norwalk, CT MSA | 1.046 | 1.044 | |
| Metropolitan Area Components: | |||
| Bridgeport, CT HMFA | |||
| Danbury, CT HMFA | |||
| Stamford-Norwalk, CT HMFA | |||
| Chicago-Naperville-Joliet, IL-IN-WI MSA | 1.056 | 1.030 | |
| Metropolitan Area Components: | |||
| Chicago-Naperville-Joliet, IL HMFA | |||
| DeKalb County, IL HMFA | |||
| Gary, IN HMFA | |||
| Grundy County, IL HMFA | |||
| Jasper County, IN HMFA | |||
| Kendall County, IL HMFA | |||
| Kenosha County, WI HMFA | |||
| Cincinnati-Middletown, OH-KY-IN MSA | 1.027 | 1.022 | |
| Metropolitan Area Components: | |||
| Brown County, OH HMFA | |||
| Cincinnati-Middleton, OH-KY-IN HMFA | |||
| Grant County, KY HMFA | |||
| Cleveland-Elyria-Mentor, OH MSA | 1.015 | 1.025 | |
| Dallas-Fort Worth-Arlington, TX MSA | 1.018 | 1.026 | |
| Metropolitan Area Components: | |||
| Dallas, TX HMFA | |||
| Fort Worth-Arlington, TX HMFA | |||
| Wise County, TX HMFA | |||
| Denver-Aurora, CO MSA | 1.006 | 1.016 | |
| Detroit-Warren-Livonia, MI MSA | 1.015 | 1.024 | |
| Metropolitan Area Components: | |||
| Detroit-Warren-Livonia, MI HMFA | |||
| Livingston County, MI HMFA | |||
| Flint, MI MSA | 1.013 | 1.024 | |
| Greeley, CO MSA | 1.002 | 1.016 | |
| HAWAII | 1.078 | 1.081 | |
| Hagerstown-Martinsburg, MD-WV MSA | 1.061 | 1.040 | |
| Metropolitan Area Components: | |||
| Hagerstown, MD HMFA | |||
| Martinsburg, WV HMFA | |||
| Henderson County, TX | 1.016 | 1.027 | |
| Houston-Sugar Land-Baytown, TX MSA | 1.009 | 1.023 | |
| Metropolitan Area Components: | |||
| Austin County, TX HMFA | |||
| Brazoria County, TX HMFA | |||
| Houston-Baytown-Sugar Land, TX HMFA | |||
| Island County, WA | 1.065 | 1.067 | |
| Kankakee-Bradley, IL MSA | 1.063 | 1.025 | |
| Kansas City, MO-KS MSA | 1.042 | 1.037 | |
| Metropolitan Area Components: | |||
| Bates County, MO HMFA | |||
| Franklin County, KS HMFA | |||
| Kansas City, MO-KS HMFA | |||
| Lenawee County, MI | 1.014 | 1.024 | |
| Los Angeles-Long Beach-Santa Ana, CA MSA | 1.057 | 1.062 | |
| Metropolitan Area Components: | |||
| Los Angeles-Long Beach, CA HMFA | |||
| Orange County, CA HMFA | |||
| Manchester-Nashua, NH MSA | 1.024 | 1.030 | |
| Metropolitan Area Components: | |||
| Hillsborough County, NH (part) HMFA | |||
| Manchester, NH HMFA | |||
| Nashua, NH HMFA | |||
| Miami-Fort Lauderdale-Pompano Beach, FL MSA | 1.067 | 1.083 | |
| Metropolitan Area Components: | |||
| Fort Lauderdale, FL HMFA | |||
| Miami-Miami Beach-Kendall, FL HMFA | |||
| West Palm Beach-Boca Raton, FL HMFA | |||
| Milwaukee-Waukesha-West Allis, WI MSA | 1.022 | 1.025 | |
| Minneapolis-St. Paul-Bloomington, MN-WI MSA | 1.025 | 1.027 | |
| Monroe, MI MSA | 1.014 | 1.024 | |
| Napa, CA MSA | 1.039 | 1.039 | |
| New Haven-Milford, CT MSA | 1.046 | 1.044 | |
| Metropolitan Area Components: | |||
| Milford-Ansonia-Seymour, CT HMFA | |||
| New Haven-Meriden, CT HMFA | |||
| Waterbury, CT HMFA | |||
| New York-Northern New Jersey-Long Island, NY-NJ-PA MSA | 1.046 | 1.044 | |
| Metropolitan Area Components: | |||
| Bergen-Passaic, NJ HMFA | |||
| Jersey City, NJ HMFA | |||
| Middlesex-Somerset-Hunterdon, NJ HMFA | |||
| Monmouth-Ocean, NJ HMFA | |||
| Nassau-Suffolk, NY HMFA | |||
| New York, NY HMFA | |||
| Newark, NJ HMFA | |||
| Pike County, PA HMFA | |||
| Westchester County, NY Statutory Exception Area | |||
| Ocean City, NJ MSA | 1.042 | 1.043 | |
| Olympia, WA MSA | 1.066 | 1.067 | |
| Oxnard-Thousand Oaks-Ventura, CA MSA | 1.058 | 1.062 | |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | 1.042 | 1.043 | |
| Phoenix-Mesa-Scottsdale, AZ MSA | 1.060 | 1.061 | |
| Pittsburgh, PA MSA | 1.040 | 1.036 | |
| Metropolitan Area Components: | |||
| Armstrong County, PA HMFA | |||
| Pittsburgh, PA HMFA | |||
| Portland-Vancouver-Beaverton, OR-WA MSA | 1.052 | 1.050 | |
| Poughkeepsie-Newburgh-Middletown, NY MSA | 1.046 | 1.044 | |
| Racine, WI MSA | 1.021 | 1.025 | |
| Riverside-San Bernardino-Ontario, CA MSA | 1.054 | 1.062 | |
| Salem, OR MSA | 1.052 | 1.050 | |
| San Diego-Carlsbad-San Marcos, CA MSA | 1.035 | 1.037 | |
| San Francisco-Oakland-Fremont, CA MSA | 1.039 | 1.039 | |
| Metropolitan Area Components: | |||
| Oakland-Fremont, CA HMFA | |||
| San Francisco, CA HMFA | |||
| San Jose-Sunnyvale-Santa Clara, CA MSA | 1.039 | 1.039 | |
| Metropolitan Area Components: | |||
| San Benito County, CA HMFA | |||
| San Jose-Sunnyvale-Santa Clara, CA HMFA | |||
| Santa Cruz-Watsonville, CA MSA | 1.039 | 1.039 | |
| Santa Rosa-Petaluma, CA MSA | 1.039 | 1.039 | |
| Seattle-Tacoma-Bellevue, WA MSA | 1.066 | 1.067 | |
| Metropolitan Area Components: | |||
| Seattle-Bellevue, WA HMFA | |||
| Tacoma, WA HMFA | |||
| St. Louis, MO-IL MSA | 1.019 | 1.025 | |
| Metropolitan Area Components: | |||
| Bond County, IL HMFA | |||
| Macoupin County, IL HMFA | |||
| St. Louis, MO-IL HMFA | |||
| Washington County, MO HMFA | |||
| Tampa-St. Petersburg-Clearwater, FL MSA | 1.064 | 1.072 | |
| Trenton-Ewing, NJ MSA | 1.046 | 1.044 | |
| Vallejo-Fairfield, CA MSA | 1.039 | 1.039 | |
| Vineland-Millville-Bridgeton, NJ MSA | 1.043 | 1.044 | |
| Washington-Arlington-Alexandria, DC-VA-MD-WV MSA | 1.056 | 1.043 | |
| Metropolitan Area Components: | |||
| Jefferson County, WV HMFA | |||
| Warren County, VA HMFA | |||
| Washington-Arlington-Alexandria, DC-VA-MD HMFA | |||
| Worcester, MA MSA | 1.023 | 1.030 | |
| Metropolitan Area Components: | |||
| Eastern Worcester County, MA HMFA | |||
| Fitchburg-Leominster, MA HMFA | |||
| Western Worcester County, MA HMFA | |||
| Worcester, MA HMFA |
| Highest cost utility | Included | Excluded | |
|---|---|---|---|
| Midwest Region | 1.016 | 1.011 | |
| Northeast Region | 1.029 | 1.025 | |
| South Region | 1.030 | 1.040 | |
| West Region | 1.030 | 1.030 | |
| Akron, OH MSA | 1.005 | 1.015 | |
| Anchorage, AK MSA | 1.027 | 1.005 | |
| Metropolitan Area Components: | |||
| Anchorage, AK HMFA | |||
| Matanuska-Susitna Borough, AK HMFA | |||
| Ann Arbor, MI MSA | 1.008 | 1.013 | |
| Ashtabula County, OH | 1.004 | 1.015 | |
| Atlanta-Sandy Springs-Marietta, GA MSA | 1.036 | 1.040 | |
| Metropolitan Area Components: | |||
| Atlanta-Sandy Springs-Marietta, GA HMFA | |||
| Butts County, GA HMFA | |||
| Haralson County, GA HMFA | |||
| Lamar County, GA HMFA | |||
| Meriwether County, GA HMFA | |||
| Atlantic City-Hammonton, NJ MSA | 1.032 | 1.033 | |
| Baltimore-Towson, MD MSA | 1.048 | 1.032 | |
| Metropolitan Area Components: | |||
| Baltimore-Towson, MD HMFA | |||
| Columbia city, MD HMFA | |||
| Boston-Cambridge-Quincy, MA-NH MSA | 1.014 | 1.019 | |
| Metropolitan Area Components: | |||
| Boston-Cambridge-Quincy, MA-NH HMFA | |||
| Brockton, MA HMFA | |||
| Lawrence, MA-NH HMFA | |||
| Lowell, MA HMFA | |||
| Portsmouth-Rochester, NH HMFA | |||
| Western Rockingham County, NH HMFA | |||
| Boulder, CO MSA | 1.000 | 1.005 | |
| Bremerton-Silverdale, WA MSA | 1.056 | 1.057 | |
| Bridgeport-Stamford-Norwalk, CT MSA | 1.036 | 1.034 | |
| Metropolitan Area Components: | |||
| Bridgeport, CT HMFA | |||
| Danbury, CT HMFA | |||
| Stamford-Norwalk, CT HMFA | |||
| Chicago-Naperville-Joliet, IL-IN-WI MSA | 1.046 | 1.020 | |
| Metropolitan Area Components: | |||
| Chicago-Naperville-Joliet, IL HMFA | |||
| DeKalb County, IL HMFA | |||
| Gary, IN HMFA | |||
| Grundy County, IL HMFA | |||
| Jasper County, IN HMFA | |||
| Kendall County, IL HMFA | |||
| Kenosha County, WI HMFA | |||
| Cincinnati-Middletown, OH-KY-IN MSA | 1.017 | 1.012 | |
| Metropolitan Area Components: | |||
| Brown County, OH HMFA | |||
| Cincinnati-Middleton, OH-KY-IN HMFA | |||
| Grant County, KY HMFA | |||
| Cleveland-Elyria-Mentor, OH MSA | 1.005 | 1.015 | |
| Dallas-Fort Worth-Arlington, TX MSA | 1.008 | 1.016 | |
| Metropolitan Area Components: | |||
| Dallas, TX HMFA | |||
| Fort Worth-Arlington, TX HMFA | |||
| Wise County, TX HMFA | |||
| Denver-Aurora, CO MSA | 1.000 | 1.006 | |
| Detroit-Warren-Livonia, MI MSA | 1.005 | 1.014 | |
| Metropolitan Area Components: | |||
| Detroit-Warren-Livonia, MI HMFA | |||
| Livingston County, MI HMFA | |||
| Flint, MI MSA | 1.003 | 1.014 | |
| Greeley, CO MSA | 1.000 | 1.006 | |
| Hawaii | 1.068 | 1.071 | |
| Hagerstown-Martinsburg, MD-WV MSA | 1.051 | 1.030 | |
| Metropolitan Area Components: | |||
| Hagerstown, MD HMFA | |||
| Martinsburg, WV HMFA | |||
| Henderson County, TX | 1.006 | 1.017 | |
| Houston-Sugar Land-Baytown, TX MSA | 1.000 | 1.013 | |
| Metropolitan Area Components: | |||
| Austin County, TX HMFA | |||
| Brazoria County, TX HMFA | |||
| Houston-Baytown-Sugar Land, TX HMFA | |||
| Island County, WA | 1.055 | 1.057 | |
| Kankakee-Bradley, IL MSA | 1.053 | 1.015 | |
| Kansas City, MO-KS MSA | 1.032 | 1.027 | |
| Metropolitan Area Components: | |||
| Bates County, MO HMFA | |||
| Franklin County, KS HMFA | |||
| Kansas City, MO-KS HMFA | |||
| Lenawee County, MI | 1.004 | 1.014 | |
| Los Angeles-Long Beach-Santa Ana, CA MSA | 1.047 | 1.052 | |
| Metropolitan Area Components: | |||
| Los Angeles-Long Beach, CA HMFA | |||
| Orange County, CA HMFA | |||
| Manchester-Nashua, NH MSA | 1.014 | 1.020 | |
| Metropolitan Area Components: | |||
| Hillsborough County, NH (part) HMFA | |||
| Manchester, NH HMFA | |||
| Nashua, NH HMFA | |||
| Miami-Fort Lauderdale-Pompano Beach, FL MSA | 1.057 | 1.073 | |
| Metropolitan Area Components: | |||
| Fort Lauderdale, FL HMFA | |||
| Miami-Miami Beach-Kendall, FL HMFA | |||
| West Palm Beach-Boca Raton, FL HMFA | |||
| Milwaukee-Waukesha-West Allis, WI MSA | 1.012 | 1.015 | |
| Minneapolis-St. Paul-Bloomington, MN-WI MSA | 1.015 | 1.017 | |
| Monroe, MI MSA | 1.004 | 1.014 | |
| Napa, CA MSA | 1.029 | 1.029 | |
| New Haven-Milford, CT MSA | 1.036 | 1.034 | |
| Metropolitan Area Components: | |||
| Milford-Ansonia-Seymour, CT HMFA | |||
| New Haven-Meriden, CT HMFA | |||
| Waterbury, CT HMFA | |||
| New York-Northern New Jersey-Long Island, NY-NJ-PA MSA | 1.036 | 1.034 | |
| Metropolitan Area Components: | |||
| Bergen-Passaic, NJ HMFA | |||
| Jersey City, NJ HMFA | |||
| Middlesex-Somerset-Hunterdon, NJ HMFA | |||
| Monmouth-Ocean, NJ HMFA | |||
| Nassau-Suffolk, NY HMFA | |||
| New York, NY HMFA | |||
| Newark, NJ HMFA | |||
| Pike County, PA HMFA | |||
| Westchester County, NY Statutory Exception Area | |||
| Ocean City, NJ MSA | 1.032 | 1.033 | |
| Olympia, WA MSA | 1.056 | 1.057 | |
| Oxnard-Thousand Oaks-Ventura, CA MSA | 1.048 | 1.052 | |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | 1.032 | 1.033 | |
| Phoenix-Mesa-Scottsdale, AZ MSA | 1.050 | 1.051 | |
| Pittsburgh, PA MSA | 1.030 | 1.026 | |
| Metropolitan Area Components: | |||
| Armstrong County, PA HMFA | |||
| Pittsburgh, PA HMFA | |||
| Portland-Vancouver-Beaverton, OR-WA MSA | 1.042 | 1.040 | |
| Poughkeepsie-Newburgh-Middletown, NY MSA | 1.036 | 1.034 | |
| Racine, WI MSA | 1.011 | 1.015 | |
| Riverside-San Bernardino-Ontario, CA MSA | 1.044 | 1.052 | |
| Salem, OR MSA | 1.042 | 1.040 | |
| San Diego-Carlsbad-San Marcos, CA MSA | 1.025 | 1.027 | |
| San Francisco-Oakland-Fremont, CA MSA | 1.029 | 1.029 | |
| Metropolitan Area Components: | |||
| Oakland-Fremont, CA HMFA | |||
| San Francisco, CA HMFA | |||
| San Jose-Sunnyvale-Santa Clara, CA MSA | 1.029 | 1.029 | |
| Metropolitan Area Components: | |||
| San Benito County, CA HMFA | |||
| San Jose-Sunnyvale-Santa Clara, CA HMFA | |||
| Santa Cruz-Watsonville, CA MSA | 1.029 | 1.029 | |
| Santa Rosa-Petaluma, CA MSA | 1.029 | 1.029 | |
| Seattle-Tacoma-Bellevue, WA MSA | 1.056 | 1.057 | |
| Metropolitan Area Components: | |||
| Seattle-Bellevue, WA HMFA | |||
| Tacoma, WA HMFA | |||
| St. Louis, MO-IL MSA | 1.009 | 1.015 | |
| Metropolitan Area Components: | |||
| Bond County, IL HMFA | |||
| Macoupin County, IL HMFA | |||
| St. Louis, MO-IL HMFA | |||
| Washington County, MO HMFA | |||
| Tampa-St. Petersburg-Clearwater, FL MSA | 1.054 | 1.062 | |
| Trenton-Ewing, NJ MSA | 1.036 | 1.034 | |
| Vallejo-Fairfield, CA MSA | 1.029 | 1.029 | |
| Vineland-Millville-Bridgeton, NJ MSA | 1.033 | 1.034 | |
| Washington-Arlington-Alexandria, DC-VA-MD-WV MSA | 1.046 | 1.033 | |
| Metropolitan Area Components: | |||
| Jefferson County, WV HMFA | |||
| Warren County, VA HMFA | |||
| Washington-Arlington-Alexandria, DC-VA-MD HMFA | |||
| Worcester, MA MSA | 1.013 | 1.020 | |
| Metropolitan Area Components: | |||
| Eastern Worcester County, MA HMFA | |||
| Fitchburg-Leominster, MA HMFA | |||
| Western Worcester County, MA HMFA | |||
| Worcester, MA HMFA |
[FR Doc. E9-374 Filed 1-9-09; 8:45 am]
BILLING CODE 4210-67-P