{"slug":"renter-burden-by-income","title":"How renter cost burden changes across local income bands","contractVersion":"research-v12","sourceUpdatedOn":"2026-08-03","factsHash":"9957fc44763e92e0e3a79400733bfae5a54b3321e3c79678827cda7dd1a4bf6a","definition":{"deck":"A county-wide burden rate can hide who is absorbing the pressure. HUD CHAS keeps five HAMFI income bands separate, letting the same cost-burden thresholds be compared without substituting asking rent or median household income for renter household counts.","slug":"renter-burden-by-income","chart":"renter_burden_income_profile","title":"How renter cost burden changes across local income bands","method":["Moderate burden is the published count spending more than 30% through 50% of household income on housing; severe burden is the published count spending more than 50%.","Each share divides a published burden count, or the sum of moderate and severe counts, by HUD's independently published renter subtotal for the same HAMFI band.","Rows are ordered by the severe-burden share among renters at or below 30% of HAMFI. No score, rent forecast or county aggregation enters the ranking."],"eyebrow":"HUD CHAS + county renters","question":"How sharply does moderate and severe housing cost burden differ between renter households at different HUD income levels?","variables":["Renter households by HAMFI income band","Housing cost burden at or below 30%","Housing cost burden above 30% through 50%","Housing cost burden above 50%","Cost burden not computed","Moderate, severe and combined burden shares"],"limitations":["CHAS is based on 2018-2022 ACS five-year responses and was released in December 2025; it is not a live market-rent feed.","HUD disclosure rounding keeps 0 as 0, publishes 1-7 households as 4 and rounds values of 8 or more to the nearest 5, so independently published subtotals can differ slightly from the sum of their parts.","County averages can conceal city, neighborhood, bedroom-count and household-type differences, and the study does not infer missing detail from another geography."],"short_title":"Renter Burden by Income","source_keys":["hud_chas"],"inclusion_rule":"Start with every direct 2018-2022 CHAS summary-level 050 county row in the current 50-state/DC FIPS universe. Publish a study row when the at-or-below-30%-HAMFI renter subtotal contains at least 100 published households and all five income bands support bounded moderate, severe and combined burden shares.","counter_signals":["A high share can coexist with a modest household count; the published income-band base remains visible beside every percentage.","HAMFI is HUD Area Median Family Income and differs from county median household income, renter income and individual earnings.","Current asking rent can change after the five-year CHAS estimate window without changing this historical needs tabulation."]},"summary":{"eligible_count":3144,"included_count":2798,"burden_majority":793,"highest_severe_slug":"ouray-county-co","under_half_burdened":264,"highest_severe_share":1,"highest_severe_county":"Ouray County, 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