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Homeownership Eligibility Status Calculator

To make sure a supply of homes in Boulder will always be affordable to those with low to middle incomes, the Division of Housing has created the Permanently Affordable Homes Program. Homes are sold at below market-rate prices to income eligible buyers who intend to owner occupy the home. Homes are permanently affordable and governed by an Affordability Covenant that limits the resale price and places other restrictions on the home. Homes for sale in this program are listed on our website.

Income Max

Homes are available for two income groups

  1 person 2 people 3 people 4 people 5 people 6 people 7 people 8 people
low/moderate income $60,815 $69,450 $78,155 $86,790 $93,745 $100,695 $107,650 $114,600
middle income $92,655 $105,810 $119,075 $132,230 $142,825 $153,415 $164,010 $174,600

Based on gross income for standard employees and net income for self-employed people.

Assets Max

  1 person 2 people 3 people 4 people each additional person
low/moderate income $55,000 $70,000 $85,000 $100,000 +$15,000
middle income $140,000 $155,000 $170,000 $185,000 +$15,000
recently divorced $85,000 $100,000 $115,000 $130,000 +$15,000
permanently disabled $140,000 $155,000 $170,000 $185,000 +$15,000
retired $85,000 $100,000 $115,000 $130,000 +$15,000

Exempt Retirement Assets

Retirement assets can be deducted based on this chart. Assets must be in a designated retirement account to be exempted.

Age Exempt Amount
Under 40 $30,000
40-55 $55,000
Over 55 $110,000



Fill in the boxes to see if you might be eligible for the Permanently Affordable Home Purchase Program. Read all definitions carefully before beginning.


This calculator is a general guide to advise initial eligibility. The results depend upon the accuracy of the user's inputs. Please read the definitions below to ensure you are entering the most accurate information. Preliminary and final eligibility can only be determined after full review of a complete application pdf

Required fields

Household Size



Retirement Assets


Assets (Excluding Retirement Assets)





Qualification Status
Qualification status is what you are likely eligible for based on the information provided.


Definitions for Required Fields

Household Size

  • Include all people who will be living in the home at least 50 percent of the time.


  • Include income for all members of the household who are 18 or over. Include gross income for waged (W2) work and retirement income. Include net income for self-employed/contract (1099) work.

Retirement Assets

  • Include all funds in designated retirement accounts (401K, IRA, Pension, etc.)

Assets (Excluding Retirement Assets)

  • Include all funds in checking, savings, money market, stock accounts, etc. Include estimated proceeds from the sale of a home currently owned. Do not include value of vehicles or personal property.


  • Divorced - Select divorced if you were divorced within the last 3 years.
  • Retired - Select retired if you meet all three of the following conditions: at least one household member is 65 years old or older, at least 50 percent of household income is from retirement sources (social security, pension, regular 401k/IRA withdrawals), and if still working earning less than Social Security permitted income cap.
  • Permanently Disabled - Select permanently disabled if at least one household member is permanently disabled.
  • NA - Select NA if none of the above applies.

Expected Down Payment

  • Can be up to 20 percent of the expected purchasing price for most applicants.
  • May be over 20 percent of the expected purchasing price if retired or permanently disabled.


Other program requirements may apply. Please check under the “Other Program Requirements” tab for more details.

Notice of Nondiscrimination

Equal Housing Opportunity logo

The City of Boulder, Division of Housing does not discriminate on the basis of race, color, religion, gender, age, national origin, disability, marital status, familial status, sexual orientation or military status in any of its programs, services or activities.

Reasonable Accommodation

The Department of Housing and Human Services, upon request, will provide appropriate aids and services leading to effective communication for qualified persons with disabilities so they can participate equally in programs, services and activities. Anyone who requires an auxiliary aid, communication service, or a reasonable accommodation to participate in a program, service, or activity of the Department, should call the ADA/Section 504 Coordinator at 303-441-3231. For hearing or speech impaired residents, please dial 7-1-1 for Relay Colorado.

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