Moderate Income Housing Alternatives

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Moderate income housing refers to housing options that are affordable for individuals or families with incomes that fall between low income and market rate levels.  The term is often used in the context of housing policies and programs to address the housing needs of individuals or families who may not qualify for traditional low income housing assistance, but still face challenges in affording market rate housing.

In Utah, moderate income housing is defined in §10-9a-103 of Utah State Code (as amended) as housing occupied or reserved for occupancy by households with a gross household income equal to or less than eighty percent (80%) of the median gross income for households of the same size in the county in which the city is located.

The prices of single-family homes in Utah have increased significantly over the past three (3) decades (564.7% increase from 1991 to 2023)*  The increases in prices, especially in recent years, have priced many individuals and families out of the market.  There are multiple variables that have led to the significant increase in home prices including: higher interest rates, lower housing inventory, Utah’s steady increase in population/demographics, and the general state of the economy.  

Special Note: The Office of the Property Rights Ombudsman has provided funding for this training program from the 1% surcharge on all building permits in the State of Utah.

* Wood, James and Eskic, Dejan. 2023. State of the State’s Housing Market, 2022-2024. Salt Lake City: Kem C. Gardner Policy Institute, University of Utah.

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