2013-00072. Supportive Housing for the Elderly; Advance Notice of Senior Preservation Rental Assistance Contracts Award Process
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AGENCY:
Office of the Assistant Secretary for Housing—Federal Housing Commissioner, (HUD).
ACTION:
Notice.
SUMMARY:
The Section 202 Supportive Housing for the Elderly Act of 2010, signed into law in January 2011, authorizes HUD to provide Senior Preservation Rental Assistance Contracts (SPRACs) with 20-year terms to prevent displacement of elderly residents of certain projects assisted under HUD's Section 202 Supportive Housing for the Elderly program in the case of refinancing or recapitalization and to further preserve and maintain affordability of Section 202 Direct Loan projects. In Fiscal Year (FY) 2012, $16 million was made available for SPRAC funding. This notice advises of HUD's intent to award SPRACs through the proposed application process described in this notice. HUD is soliciting comments on the proposed process for awarding SPRACs and the associated criteria for establishing eligibility to apply for a SPRAC.
DATES:
Comment Due Date: March 11, 2013.
ADDRESSES:
Interested persons are invited to submit comments regarding this notice to the Regulations Division, Office of General Counsel, Department of Housing and Urban Development, 451 7th Street SW., Room 10276, Washington, DC 20410-0500. Communications must refer to the above docket number and title. There are two methods for submitting public comments. All submissions must refer to the above docket number and title.
1. Submission of Comments by Mail. Comments may be submitted by mail to the Regulations Division, Office of General Counsel, Department of Housing and Urban Development, 451 7th Street SW., Room 10276, Washington, DC 20410-0500.
2. Electronic Submission of Comments. Interested persons may submit comments electronically through the Federal eRulemaking Portal at www.regulations.gov. HUD strongly encourages commenters to submit comments electronically. Electronic submission of comments allows the commenter maximum time to prepare and submit a comment, ensures timely receipt by HUD, and enables HUD to make them immediately available to the public. Comments submitted electronically through the www.regulations.gov Web site can be viewed by other commenters and interested members of the public. Commenters should follow the instructions provided on that site to submit comments electronically.
Note:
To receive consideration as public comments, comments must be submitted through one of the two methods specified above. Again, all submissions must refer to the docket number and title of the notice.
No Facsimile Comments. Facsimile (FAX) comments are not acceptable.
Public Inspection of Public Comments. All properly submitted comments and communications submitted to HUD will be available for public inspection and copying between 8 a.m. and 5 p.m. weekdays at the above address. Due to security measures at the HUD Headquarters building, an appointment to review the public comments must be scheduled in advance by calling the Regulations Division at 202-708-3055 (this is not a toll-free number). Individuals with speech or hearing impairments may access this number via TTY by calling the Federal Relay Service at 800-877-8339. Copies of all comments submitted are available for inspection and downloading at www.regulations.gov.
Start Further InfoFOR FURTHER INFORMATION CONTACT:
Margaret Salazar, Deputy Director of the Office of Affordable Housing Development, Office of Multifamily Housing Programs, Office of Housing, Department of Housing and Urban Development, 451 7th Street SW., Room 6112, Washington, DC 20410; telephone number 202-708-2495 (this is not a toll-free number). Persons with hearing or speech impairments may access this number through TTY by calling the toll-free Federal Relay Service at 800-877-8339.
End Further Info End Preamble Start Supplemental InformationSUPPLEMENTARY INFORMATION:
I. Background
The Section 202 Supportive Housing for the Elderly Act of 2010 (Pub. L. 111-372, approved January 4, 2011) (Section 202 of 2010 Act) authorizes HUD to provide SPRACs with 20-year terms to prevent displacement of elderly residents of certain projects assisted under HUD's Section 202 Supportive Housing for the Elderly program (Section 202 program) in the case of refinancing or recapitalization and to further preserve and maintain affordability of Section 202 Direct Loan projects. General authority for a Section 202 Direct Loan is provided by Section 811 of the American Homeownership and Economic Opportunity (AHEO) Act of 2000, as amended by the Section 202 of 2010 Act (12 U.S.C. 1701q note). Pursuant to this authority, SPRAC assistance may be provided to Section 202 properties with original interest rates of 6 percent or less (financed prior to 1974), when the property is refinanced to make capital repairs and the owner does not anticipate debt service savings from the refinance. In FY 2012, $16 million was made available for SPRAC funding.
II. This Notice—Solicitation of Comment
This notice advises of HUD's intent to award SPRACs through the proposed application process described in this notice. HUD is soliciting comments on Start Printed Page 1225the proposed process for awarding SPRACs and the associated criteria for establishing eligibility to apply for a SPRAC. Specifically, HUD requests comment on the following sections of this notice:
Eligibility Criteria
1. Are any additional eligibility criteria necessary to ensure those elderly residents most at risk of displacement receive SPRAC assistance?
2. Should any of the eligibility criteria be removed or modified?
3. Is eligibility criterion six—a seven percent or below vacancy rate—realistic for Section 202 properties with interest rates of 6 percent or less financed prior to 1974? If not, why not (please provide any data you have supporting your comments)?
Award Process
1. Is the SPRAC award process an effective and efficient means of providing rental assistance to elderly residents at risk of displacement? Should HUD modify the award process? If so, how?
2. Is separating qualified Owner-applicants into two pools based on willingness to target very low income elderly tenants an effective means of serving the population most in need? If so, how? If not, why (please provide any data or information you have supporting your comments)?
HUD will take all comments into consideration and issue a final notice that will provide threshold criteria for Owner-applicant eligibility and final details of the FY 2012 SPRAC award process.
III. Proposed SPRAC Application and Award Process
Purpose of the Program
The Section 202 Supportive Housing for the Elderly Act of 2010 (Pub. L. 111-372, approved January 4, 2011) (Section 202 of 2010 Act) authorizes HUD to provide SPRACs to unassisted Section 202 units. The SPRAC contracts will have 20-year terms, with funding subject to annual appropriations. The purpose of SPRACs is to prevent displacement of income-eligible elderly residents of Section 202 Direct Loan properties with original interest rates of 6 percent or less, when the property is refinanced and the Owner does not anticipate debt service savings from the refinance. General authority for a Section 202 Direct Loan is provided by Section 811 of the American Homeownership and Economic Opportunity (AHEO) Act of 2000, as amended by the Section 202 of 2010 Act (12 U.S.C. 1701q note). In order to be income-eligible to receive SPRAC assistance, household income must be 80 percent or below area median income (AMI).
In addition to protecting elderly residents from displacement, SPRAC assistance is also intended to further preservation and affordability of these pre-1974 Section 202 Direct Loan projects. The mortgages on these properties, originally for 40 or 50-year terms, are reaching their maturity dates. When mortgages mature, the use and affordability restrictions of these properties expire, putting the long term affordability of this senior housing at risk. Very low-income elderly tenants of maturing mortgage properties are at the most immediate risk of displacement. The award process described in this notice will target these maturing mortgage properties by ranking qualified applications received by mortgage maturity date. Properties with mortgage maturity dates that predate the SPRAC application deadline, and properties with maturity dates sooner than 60 days following the SPRAC application deadline will not be eligible for SPRAC awards.
HUD oversees a portfolio of 209 Section 202 properties with original interest rates of six percent or less. All were financed prior to 1974. Many pre-1974 Section 202 Direct Loan properties have never completed a rehabilitation effort and are in need of significant capital repairs. Owners may wish to prepay the existing Section 202 Direct Loan in order to obtain new financing to address the physical needs of the project. Even in a time of historically low interest rates, however, it is unlikely that the refinancing of an eligible Section 202 Direct Loan would result in a reduction in debt service.
The anticipated increase in debt service from the Section 202 refinance places unassisted elderly residents in danger of displacement. Tenants may be at risk as Owners seek additional income to pay the increased debt service. The majority of pre-1974 Direct Loan projects are “partially assisted,” meaning that some, but not all units receive Section 8 Project Based Rental assistance. Under AHEO, as amended, the Owner may qualify to receive a Section 8 rent adjustment on the Section 8 units, which could bring additional income to cover the increased debt service requirement. However, it is unlikely that this income will be sufficient to pay the increased debt service. The Owner may look to the unassisted households of the project to pay a rent increase to cover the costs of the new loan. The imposition of a rent increase places unassisted elderly residents at risk of possible displacement. SPRAC assistance will provide rental assistance on previously unassisted units. In addition, this assistance may provide revenue that could offset the cost of a service coordinator or other operating costs. This assistance eliminates the need for Owners to impose rent increases on these vulnerable households.
The provision of SPRACs is contingent on HUD approval of the Section 202 Direct Loan prepayment. As a matter of policy, HUD has determined that the amount of proposed repairs must rise to the level of substantial rehabilitation as defined in the HUD Multifamily Accelerated Processing (MAP) Guide, 4430-G, Rev-1. Otherwise, the transaction could have the effect of merely trading low interest debt for higher interest debt.[1] The substantial rehabilitation must be in compliance with the Section 504 accessibility requirements described in 24 CFR part 8. HUD applies the Uniform Federal Accessibility Standards (UFAS) through its regulations under part 8. The prepayment, in conjunction with the substantial rehabilitation of the project and the provision of SPRAC, will facilitate the improvement of the project and the long-term preservation of the project as housing affordable to current and future elderly households.
The HUD Section 202 Direct Loan portfolio includes 18,600 unassisted units. To receive SPRAC assistance for these unassisted units, the project Owner must meet all SPRAC Notice requirements, and all prepayment requirements of AHEO. Over the next decade, an average of 2,000 unassisted units per year risk losing affordability due to maturing Section 202 loans.
The Consolidated and Further Continuing Appropriations Act, 2012 (Public Law 112-55, approved November 18, 2011) makes funds available to fund the first year of assistance for 20-year project-based rental assistance contracts for unassisted units in qualifying Section 202 projects. The precise number of units/households to receive assistance will be determined based on the availability of funds.
SPRACs are not Section 8 project based rental assistance Housing Assistance Payment (HAP) contracts. However, pursuant to the Section 202 of 2010 Act, HUD will administer SPRACs under the same requirements governing project-based rental assistance made Start Printed Page 1226available under section 8 of the United States Housing Act of 1937 (42 U.S.C. 1473f), and implemented through the regulations at 24 CFR part 883. To be eligible for SPRAC assistance, residents must be income-eligible (at-or-below 80 percent of AMI). SPRAC assistance will only be provided to units occupied by income-eligible households at the time the SPRAC is executed. Initial SPRAC rents will be established based on market comparables. Over the 20-year term of the SPRAC, contracts will be administered using the processes described in the HUD Section 8 Renewal Policy Guidebook, under Option 1: Mark up to Market. Rents will be adjusted annually using the Operating Cost Adjustment Factor (OCAF) described in the Section 8 Renewal Policy Guidebook. An updated Rent Comparability Study (RCS) will be required every five (5) years. At the end of the 20-year term, subject to the availability of appropriations, HUD may renew the SPRAC for an additional 20-year term. Please note that though SPRACs will be administered under Section 8 guidance, this does not mean that SPRACs are a form of Section 8 rental assistance. SPRACs will be administered in accordance with the current Section 8 regulations until HUD publishes regulations to govern SPRACs in the near future.
I. Available Funds
HUD is making $16 million in FY 2012 funds available to fund the initial year of SPRAC units for selected properties. HUD anticipates this could fund up to 2,000 unassisted units. Funding for future contract years are subject to appropriations. HUD may make new SPRAC contract awards in future funding rounds if and when appropriations are available for this purpose.
Award Process
The proposal is to award SPRAC requests through an application process, open to those projects electing to prepay and refinance the Section 202 Direct Loan under the terms of AHEO and HUD guidance provided in Housing Notice 12-08 for Section 202 Direct Loan prepayment requirements.[2]
Section 202 projects that apply and meet eligibility criteria will be separated into two pools:
(1) Pool One—those Owner-applicants that commit to use SPRAC assistance for existing low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of AMI) upon unit turnover; and
(2) Pool Two—those Owner-applicants that do not commit to use SPRAC assistance exclusively for low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of AMI) upon unit turnover, but rather for tenants at or below 80 percent of AMI.
All qualified Owner-applicants and the respective properties in both Pool One and Pool Two will be ranked by mortgage maturity date. Beginning with those in Pool One, SPRAC awards will be made based on the mortgage maturity date of each property. HUD will select the property with the earliest chronological maturity date first, the property with the second earliest maturity date second, and so forth, until funding is exhausted. If there are not enough qualified Owner-applicants in Pool One to exhaust available SPRAC funding, those qualified Owner-applicants in Pool Two will become eligible for SPRAC awards. The process for award will be identical to that for Pool Two and will be based on mortgage maturity date. Properties with mortgage maturity dates that predate the SPRAC application deadline will not be eligible for SPRAC awards.[3] There is no maximum award ceiling per project.
HUD will not make partial awards. HUD will only select projects that can be fully funded with available SPRAC funds. For example, if the next eligible project on the list (ranked by mortgage maturity date) includes 100 unassisted income-eligible units, HUD will only select this project for funding if there are sufficient SPRAC resources to fund all 100 income-eligible units. If resources are not sufficient, HUD will select the next eligible project that can be fully funded or will close the award process until further notice. (Following public comment on this notice and incorporation of these comments, a SPRAC Housing Notice will establish minimum basic eligibility criteria for Owner-applicants to apply by a certain deadline, which will be provided in the final notice that follows and takes into consideration public comment on this notice.)
Eligibility Criteria
Eligible Owner-applicants will own properties that meet the following criteria:
1. Their property must be a Section 202 property with an original interest rate of six percent or less (funded prior to 1974) and with unassisted units.
2. Their most recent Real Estate Assessment Center (REAC) score at the property must be 60 or above, and the property must have no open Exigent Health and Safety findings.
3. Their most recent Management and Occupancy Review score at the property must be satisfactory or higher.
4. Their property must have no open referrals to the Departmental Enforcement Center.
5. The Owner-applicant must intend to refinance under the terms and conditions of AHEO, as amended, with no anticipated debt service savings from the refinance. A purchase/acquisition transaction is also eligible if the project will not experience debt service savings as a result of the transaction. (In the case of an acquisition, the current Owner must submit the SPRAC request but may provide evidence in the form of a purchase/sale agreement that the prepayment will include an acquisition.) The Owner-applicant must demonstrate that without SPRAC the rents for unassisted elderly tenants will be raised to compensate for the increased debt service costs resulting from prepayment at a higher interest rate. Rent increases will place unassisted elderly tenants at high risk of displacement.
6. Their property vacancy rate must be seven percent or lower for the 24 month period prior to application or the Owner-applicant must intend to convert efficiency units to one-bedroom units in accordance with Housing Notice 2011-03.[4] In order to convert efficiency units to one-bedroom units, the Owner-applicant must demonstrate an average vacancy rate in the efficiency units of at least 25 percent for at least 24 months or documentation must be shown that supports that the proposed conversion units are functionally obsolete.
7. Their property is proximate to the amenities and services needed by elderly residents.
8. The Owner-applicant is not eligible to request assistance if such owner:
i. Has been charged with a systemic violation of the Fair Housing Act or received a cause determination from a substantially equivalent state or local fair housing agency concerning a systemic violation of a substantially Start Printed Page 1227equivalent state or local fair housing law proscribing discrimination because of race, color, religion, sex, national origin, disability or familial status;
ii. Is a defendant in a Fair Housing Act lawsuit filed by the Department of Justice alleging a pattern or practice of discrimination or denial of rights to a group of persons raising an issue of general public interest pursuant to 42 U.S.C. 3614(a);
iii. Has received a letter of findings identifying systemic noncompliance under Title VI of the Civil Rights Act of 1964, Section 504 of the Rehabilitation Act of 1973, or Section 109 of the Housing and Community Development Act of 1974;
iv. Has received a cause determination from a substantially equivalent state or local fair housing agency concerning a systemic violation of provisions of a state or local law proscribing discrimination in housing based on sexual orientation or gender identity; or
v. Has received a cause determination from a substantially equivalent state or local fair housing agency concerning a systemic violation of a state or local law proscribing discrimination in housing based on lawful source of income; and
vi. If applicable, has not resolved to HUD's satisfaction, the charge, lawsuit, letter of findings or cause determination referenced in subparagraphs (i), (ii), (iii), (iv) or (v) and/or is not in current compliance with any agreement or consent order resolving the matter.
Award Process
Funding for SPRAC awards is extremely limited and a significant number of equally worthy projects are expected to compete for SPRAC funding. To allocate these scarce resources effectively, HUD proposes to make SPRAC awards using an application process where applications are separated into two pools:
(1) Pool One—those Owner-applicants that commit to use SPRAC assistance for existing low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of Area Media Income) upon unit turnover; and
(2) Pool Two—those Owner-applicants that do not commit to use SPRAC assistance exclusively for low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of AMI) upon unit turnover, but rather for tenants at or below 80 percent of AMI.
Both Pools will be ranked by mortgage maturity date, and beginning with Pool One, projects will be awarded SPRAC in chronological order until funding is exhausted. If funding is not exhausted from Pool One, awards will be made in chronological order of mortgage maturity date for Pool Two. HUD believes all pre-1974 Section 202 properties that meet the eligibility requirements are in need of preservation, and all unassisted residents of these properties are potentially vulnerable to rent increases or displacement. Elderly tenants of properties with imminent mortgage maturity dates are at greatest risk of displacement because those properties are closer to terminating their relationship with HUD. As the mortgage matures, the property is no longer obligated to operate as housing affordable to very low, low, and/or moderate-income elderly households.
HUD's top priority is protecting very low income unassisted elderly tenants from displacement and providing assistance to this population in the future. Therefore, HUD will give priority to those qualified Owner-applicants that commit to target 100 percent of SPRAC assistance to very low-income and low income elderly residents residing in the project at the time of the Direct Loan prepayment, and exclusively to very low income tenants at unit turnover. These projects will go into Pool One for SPRAC awards. Households that currently reside in unassisted units at the Section 202 Direct Loan project, and that meet the low income eligibility criteria (at or below 80 percent of AMI) will be eligible to receive SPRAC assistance. However, upon unit turnover, the Owner-applicants will commit to make the vacant units available exclusively to very low income households.
To determine very low income thresholds, the Owner-applicant should determine annual income by following the income verification process described in HUD Handbook 4350.3, Occupancy Requirements of Subsidized Multifamily Housing Programs.[5] The Owner-applicant must compare the household's annual income with HUD's current FY low income limits. For this comparison, Owner-applicants must know the size of the household (e.g., 1 person household). Owner-applicants may find HUD's low income limits by visiting http://www.huduser.org/portal/datasets/il/il12/index_il2012.html. At this site, Owner-applicants click “Click Here for FY 2012 IL Documentation.” The Owner-applicant then selects the state and county in which the property is located, and clicks “Next Screen.” The relevant information is located in the row labeled “Very Low (50%) Income Limits.” If the household's annual income is greater than the very low-income limit found in this row, the household does not qualify as a very low income household for the purposes of SPRAC eligibility.
Qualified Owner-applicants in Pool One will be ranked by project mortgage maturity date, and those projects will be funded based on chronological maturity date, with the earliest maturity date selected first, until all SPRAC funds are exhausted. Properties with mortgage maturity dates that predate the SPRAC application deadline will not be eligible for SPRAC awards. This approach allows HUD to target those properties with imminent maturing mortgages to meet the statutory intent to protect unassisted elderly residents from displacement.
If two properties have the same mortgage maturity date, projects in low-vacancy areas [6] will be given priority, because residents in these areas would have the most difficulty securing affordable housing if they did not have access to rental assistance. To determine if a project is in a low-vacancy area, please see Attachment 1. If none of the projects with the same mortgage maturity date are in a low-vacancy area, the project with the greatest number of unassisted units will be funded within the limitation of available funds, in order to reach the greatest number of impacted elderly residents.
If there are not enough qualified Owner-applicants in Pool One to utilize all available SPRAC funding, qualified Owner-applicants that meet the threshold criteria but do not commit to use SPRAC assistance for existing low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of AMI) upon unit turnover, but rather tenants at or below 80 percent of AMI (Pool Two) will become eligible. The award process for Pool Two Owner-Start Printed Page 1228applicants will be identical to that for Pool One.
Properties selected via the outlined application process will receive a preliminary notification of SPRAC award. Final SPRAC awards will be contingent on the property successfully receiving HUD approval to prepay the Section 202 Direct Loan under the requirements of AHEO and any standing or subsequent HUD guidance related to Section 202 Direct Loan prepayments.
HUD is proposing a six-stage process for the award of SPRACs:
(1) Submission by the Owner-applicant of an Expression of Interest Letter (an Expression of Interest is not being solicited at this time);
(2) Separation of qualified Owner-Applicants into Pool One and Pool Two based on Owner-applicant commitment to target very low income elderly residents;
(3) Ranking of Applications by Mortgage Maturity Date;
(4) Notification to Proceed;
(5) Completion of Prepayment Request and Approval; and
(6) Fund Reservation and Obligation.
Stage 1: Owner Submits an Expression of Interest Letter
An Owner-applicant must first determine that the 202 Direct Loan property meets the above basic eligibility criteria for SPRAC award. An interested and eligible Owner-applicant will then submit an Expression of Interest Letter for SPRAC award to HUD. HUD proposes the following information should be included in or with the Expression of Interest Letter:
1. Project name and FHA number.
2. Statement that the Owner-applicant plans to refinance and does not anticipate debt service savings from the refinance, and must plan repairs that rise to the level of substantial rehabilitation.
3. Statement that the Owner-applicant will commit to target SPRAC assistance exclusively for existing low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of Area Media Income) upon unit turnover (if applicable).
4. Rent rolls from the 3 months preceding the Letter of Intent, verifying that the property has a vacancy rate of seven percent or lower.
or
The Owner-applicant must include a statement of intent to convert efficiency units to one-bedroom units in accordance with Housing Notice 2011-03. In order to convert efficiency units to one-bedroom units, the property rent roll must demonstrate that average vacancy rate in the efficiency units is at least 25 percent for at least 24 months or the Owner-applicant must provide a letter from a licensed appraiser or a licensed architect indicating that the efficiency units proposed for conversion are functionally obsolete.
5. Rent Comparability Study (RCS), commissioned by the Owner, to estimate the approximate amount of SPRAC funding needed to provide assistance at market rent levels for the unassisted units. The RCS must be completed in accordance with Chapter 9 of the Section 8 Renewal Policy Guidebook (http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_14528.pdf). If the property has a Section 8 HAP contract and the Owner has commissioned an RCS within the last five years, the RCS may be used per the guidelines of Chapter 9 of the Section 8 Renewal Policy Guidebook. HUD will use the RCS to approximate the SPRAC contract rents based on comparable market rents.[7]
6. The Owner-Applicant must submit one of the following to demonstrate the property is proximate to amenities and services needed by the elderly residents:
A. Submit a letter, signed by the Housing, Planning, or Community Development office of the local municipality verifying that:
(i) This Section 202 property is proximate to social, recreational, educational, commercial, and health facilities and services, and other municipal facilities and services; or
(ii) If the Section 202 property is not currently proximate to social, recreational, educational, commercial, and health facilities or services, the preservation of this Section 202 property is an integral part of a concerted community revitalization plan.
or
B. Provide a certification from the Designated Point of Contact for the designated Preferred Sustainability Status Community where the property is located, using form HUD2995. A list of Preferred Sustainability Status Communities and the corresponding points of contact can be found here: http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/grants/nofa11/psscontacts. The form will certify the nexus between the proposed preservation of the Section 202 property by the owner applicant and the Livability Principles as they are being advanced in the Preferred Sustainability Status Community. This certification must be signed and dated anytime from the date of the publication of the SPRAC Final Notice to the deadline date of the SPRAC funding opportunity. Any certifications signed before or after those dates will not be acceptable.
8. Statement certifying that the Owner-applicant is in compliance with the civil rights threshold requirements set forth under “Eligibility Criteria” in this Notice.
Note:
HUD will remove the application from the pool and notify those Owner-applicants who do not meet the qualifications for a SPRAC award.
Stage 2: Separation of Applications by Very low Income Targeting into Pool One and Pool Two
Those qualified Owner-Applicants that include a statement of commitment to use SPRAC assistance for existing low income and very low income tenants residing at the property at the time of the 202 Direct Loan prepayment, and for new very low income tenants (50 percent of AMI) upon unit turnover will be placed in Pool One and those qualified Owner-applicants that do not include a statement of commitment will be placed in Pool Two. Once all qualified Owner-applicants in Pool One have received SPRAC assistance, awards will begin for Pool Two.
Stage 3: Ranking of Applications by Mortgage Maturity Date
Upon the submission deadline for the Expression of Interest Letter and the separation of qualified Owner-applicants into Pool One and Pool Two, HUD will rank the qualified Owner-applicants and corresponding projects by mortgage maturity date. If two or more qualified applicants have the same mortgage maturity date, the project(s) in low-vacancy areas listed in the appendix to this Notice will be given priority. If none of the projects with the same mortgage maturity date are in low-vacancy areas, the project with the most unassisted units will be selected within limitations of funding.
Beginning with Pool One, HUD will allocate SPRAC funding in chronological order of mortgage maturity date, using the RCS, the number of unassisted units, and contract cost information in comparable properties to estimate needed funding, Start Printed Page 1229until all SPRAC funds are exhausted. HUD will not make partial awards. HUD will only select projects that can be fully funded with available SPRAC funds. For example, if the next project on the list includes 100 unassisted units HUD will only select this project for funding if there are sufficient SPRAC resources to fund all 100 units under the contract. If resources are not sufficient, HUD will select the next eligible project that can be fully funded or will close the award process until further notice.
Once all qualified Owner-applicants in Pool One have been funded, HUD will award SPRAC to those qualified Owner-applicants in Pool Two chronologically by mortgage maturity date. Awards made to Pool Two Owner-applicants will follow the same procedures outlined above for Pool One.
Stage 4: Notification to Proceed
Upon selection, the Owner-applicant will receive a Notification to Proceed letter confirming the project was selected to receive a SPRAC award. This Notification will specify that SPRAC assistance will only be provided for unassisted units occupied by income-eligible residents (at or below 80 percent of AMI) at the time of execution of the SPRAC. The Notification to Proceed letter will not guarantee funding, as the Owner-applicant will need to meet all criteria and complete the Section 202 prepayment process successfully before receiving funds. The Notification to Proceed letter will include an estimated dollar amount for potential SPRAC assistance, determined by the required RCS submitted by the Owner-applicant. This amount is subject to change based on the determination of the number of income-eligible unassisted units at the property and market comparable rents using the RCS. The Owner-applicant will be required to verify tenant incomes to determine the number of income-eligible households (at 80 percent AMI or below) residing in unassisted units at the time the SPRAC is executed.
The Notification to Proceed letter will be conditioned on HUD approval of a prepayment request and the closing of the proposed refinance. The Owner-applicant must submit a complete prepayment request to the Multifamily Hub/PC office within 60 days of the date of receipt of the Notification to Proceed letter. The prepayment request must include all information required by Housing Notice 12-08. Failure to submit the prepayment request within 60 days of the date of receipt of the Notification to Proceed letter will nullify the Notification to Proceed and the Owner-applicant's eligibility for SPRAC for this round of funding. The Notification to Proceed letter will be valid for no more than 180 days (six months). During this 180 day period, the Owner-applicant will finalize and submit the prepayment request and secure the refinance loan. If the prepayment approval is not granted in that time, and/or if the Owner-applicant does not close the refinancing in this time period, the project's selection in the lottery will be cancelled and the corresponding funds released.
If the Owner-applicant is planning to use FHA financing, HUD will extend the Notification to Proceed to accommodate the timeline for FHA application reviews, provided that the Owner-applicant submits evidence of submission of an FHA insured loan application. HUD may also consider extending the Notification to Proceed if the Owner-applicants pursues Low Income Housing Tax Credits (LIHTCs), either in the form of 9 percent or 4 percent LIHTCs. The Owner-applicant must submit evidence of tax credit application in order to receive an extension. If the project is selected and issued a Notification to Proceed and the Owner-applicant proposes to use 9 percent tax credits, the Owner-Applicant will have one opportunity to apply for the 9 percent tax credits in the next scheduled application round administered by the state or local issuing agency. If 9 percent tax credits cannot be secured during that first application cycle, the Notification to Proceed will be cancelled unless the Owner can demonstrate feasibility to meet Section 202 prepayment requirements without tax credits.
Stage 5: Prepayment Request and Approval
1. Submission of Prepayment request to Hub/PC within 60 days of receipt of the Notification to Proceed letter. The Owner-applicant will submit a Section 202 Direct Loan prepayment request to the Hub/PC. The Hub/PC will screen, review and process the application to ensure it meets the requirements of Housing Notice 12-08 and any subsequent guidance on Section 202 Direct Loan prepayments.[8] The review will ensure compliance with all applicable statutes, regulations and policies. The review will include an environmental review by HUD Multifamily Development staff pursuant to the requirements at 24 CFR Part 50. Guidance for completion of this review may be found in Chapter 9 of the Multifamily Accelerated Processing (MAP) Guide. The review will include an assessment to verify the proposed repairs rise to the level of substantial rehabilitation and the proposed refinance will result in an increase in debt service, placing unassisted elderly residents at risk of increased rents and concomitantly displacement. If there is no anticipated increase in debt service, the project will not be eligible for SPRAC and the Notification to Proceed will be revoked. The Hub/PC Director will forward recommendations for Direct Loan prepayment approval to HUD Headquarters Office of Asset Management. Upon receipt of the Hub/PC recommendation, the Office of Asset Management will review the prepayment request and, within 30 days of the date of receipt of the Hub/PC recommendation, will make a determination of prepayment approval and notify the Hub/PC and the Owner-applicant.
2. Rent Comparability Study and Contract Request.[9] After receiving the Notification to Proceed letter, and while the prepayment application is completed, the Owner-applicant will be required to submit a copy of the Rent Comparability Study submitted with their Letter of Intent, that meets the requirements of the Section 8 Renewal Policy Guidebook. The Owner-applicant should also submit income verification information and a Contract Renewal Request Form (HUD Form 9264) [10] requesting a 20-year contract under Option 1: Mark up to Market. The Hub/PC will determine the rents for the project for the units occupied by income-eligible residents (those at or below 80 percent of AMI), and prepare the SPRAC for execution.
Stage 6: Fund Reservation and Obligation
Upon approval of the prepayment request by HUD headquarters Office of Asset Management, HUD will issue an official fund reservation for the final SPRAC funding amount for that project. Once the fund reservation is complete, HUD will execute the SPRAC.
On the date of closing, the owner will execute the required Use Agreement and other loan documents as well as the SPRAC. Upon closing, HUD will obligate the SPRAC funds. Following Start Printed Page 1230the closing, the SPRAC will be administered under the rules and terms of the Section 8 Renewal Policy Guidebook by the PBCA and the HUD field office staff.
Environmental Impact
An Environmental Assessment (EA) and Finding of No Significant Impact (FONSI) with respect to the environment has been made for this Advance Notice in accordance with HUD regulations at 24 CFR part 50 that implement section 102(2)(C) of the National Environmental Policy Act of 1969 (42 U.S.C. 4332(2)(C)). The EA and FONSI is available for public inspection between 8 a.m. and 5 p.m. weekdays in the Regulations Division, Office of General Counsel, Department of Housing and Urban Development, 451 Seventh Street SW., Room 10276, Washington DC 20410-0500. Due to security measures at this HUD Headquarters Building, an advance appointment to review the EA and FONSI must be scheduled by calling the Regulations Division at 202-708-3055 (not a toll free number).
Start SignatureDated: January 2, 2013.
Carol J. Galante,
Acting Assistant Secretary for Housing-Federal Housing Commissioner.
Start Printed Page 1246Attachment 1—Low Vacancy Areas
County FIPS code County name Vacancy Rate for Units Affordable to 80% of AMI 2009 ACS 5 Year average (percent) 2000 Census (percent) 01007 Bibb County; Birmingham-Hoover, AL Metro Area; Alabama 0.6 6.2 01063 Greene County; Tuscaloosa, AL Metro Area; Alabama 0.4 3.4 01065 Hale County; Tuscaloosa, AL Metro Area; Alabama 0.9 2.6 01085 Lowndes County; Montgomery, AL Metro Area; Alabama 3.9 6.6 01091 Marengo County, Alabama 3.3 7.1 01107 Pickens County, Alabama 5.7 5.9 01131 Wilcox County, Alabama 3.6 5.4 02020 Anchorage Municipality; Anchorage, AK Metro Area; Alaska 4.8 5.4 02050 Bethel Census Area, Alaska 2.6 6.8 02110 Juneau City and Borough; Juneau, AK Micro Area; Alaska 1.8 6.2 02188 Northwest Arctic Borough, Alaska 2.6 4.9 02195 Petersburg Census Area, Alaska 6.8 N/A 02220 Sitka City and Borough, Alaska 1.3 5.1 02270 Wade Hampton Census Area, Alaska 1.0 5.0 04005 Coconino County; Flagstaff, AZ Metro Area; Arizona 6.8 7.2 05041 Desha County, Arkansas 6.2 7.1 05057 Hempstead County; Hope, AR Micro Area; Arkansas 3.2 5.4 05079 Lincoln County; Pine Bluff, AR Metro Area; Arkansas 6.8 7.1 05085 Lonoke County; Little Rock-North Little Rock-Conway, AR Metro Area; Arkansas 3.0 6.2 05099 Nevada County; Hope, AR Micro Area; Arkansas 2.4 4.7 06001 Alameda County; San Francisco-Oakland-Fremont, CA Metro Area; California 6.7 2.5 06007 Butte County; Chico, CA Metro Area; California 4.7 5.9 06009 Calaveras County, California 6.2 5.8 06011 Colusa County, California 2.8 2.9 06013 Contra Costa County; San Francisco-Oakland-Fremont, CA Metro Area; California 7.6 3.0 06019 Fresno County; Fresno, CA Metro Area; California 4.9 6.9 06023 Humboldt County; Eureka-Arcata-Fortuna, CA Micro Area; California 6.3 5.8 06025 Imperial County; El Centro, CA Metro Area; California 5.6 5.5 06027 Inyo County; Bishop, CA Micro Area; California 3.4 7.2 06031 Kings County; Hanford-Corcoran, CA Metro Area; California 3.7 6.7 06037 Los Angeles County; Los Angeles-Long Beach-Santa Ana, CA Metro Area; California 2.4 4.2 06039 Madera County; Madera-Chowchilla, CA Metro Area; California 3.8 6.2 06041 Marin County; San Francisco-Oakland-Fremont, CA Metro Area; California 2.6 1.8 06045 Mendocino County; Ukiah, CA Micro Area; California 5.0 3.5 06047 Merced County; Merced, CA Metro Area; California 6.3 4.7 06053 Monterey County; Salinas, CA Metro Area; California 5.7 2.4 06055 Napa County; Napa, CA Metro Area; California 5.1 2.0 06057 Nevada County; Truckee-Grass Valley, CA Micro Area; California 6.7 3.2 06059 Orange County; Los Angeles-Long Beach-Santa Ana, CA Metro Area; California 2.7 2.7 06061 Placer County; Sacramento—Arden-Arcade—Roseville, CA Metro Area; California 7.5 4.3 06067 Sacramento County; Sacramento—Arden-Arcade—Roseville, CA Metro Area; California 7.6 5.2 06069 San Benito County; San Jose-Sunnyvale-Santa Clara, CA Metro Area; California 3.4 2.6 06073 San Diego County; San Diego-Carlsbad-San Marcos, CA Metro Area; California 4.7 3.0 06075 San Francisco County; San Francisco-Oakland-Fremont, CA Metro Area; California 4.2 2.3 06077 San Joaquin County; Stockton, CA Metro Area; California 6.3 4.5 06079 San Luis Obispo County; San Luis Obispo-Paso Robles, CA Metro Area; California 3.4 3.0 06081 San Mateo County; San Francisco-Oakland-Fremont, CA Metro Area; California 4.0 1.6 06083 Santa Barbara County; Santa Barbara-Santa Maria-Goleta, CA Metro Area; California 3.7 2.8 06085 Santa Clara County; San Jose-Sunnyvale-Santa Clara, CA Metro Area; California 3.3 1.6 06087 Santa Cruz County; Santa Cruz-Watsonville, CA Metro Area; California 3.4 2.1 06089 Shasta County; Redding, CA Metro Area; California 6.5 7.0 06091 Sierra County, California 1.4 6.9 06095 Solano County; Vallejo-Fairfield, CA Metro Area; California 7.1 4.0 06097 Sonoma County; Santa Rosa-Petaluma, CA Metro Area; California 5.3 1.8 06099 Stanislaus County; Modesto, CA Metro Area; California 6.6 4.1 06101 Sutter County; Yuba City, CA Metro Area; California 7.1 5.5 06107 Tulare County; Visalia-Porterville, CA Metro Area; California 3.3 6.6 06109 Tuolumne County; Phoenix Lake-Cedar Ridge, CA Micro Area; California 5.5 6.9 06111 Ventura County; Oxnard-Thousand Oaks-Ventura, CA Metro Area; California 3.2 2.8 06113 Yolo County; Sacramento—Arden-Arcade—Roseville, CA Metro Area; California 3.9 3.1 08005 Arapahoe County; Denver-Aurora-Broomfield, CO Metro Area; Colorado 8.5 4.3 08013 Boulder County; Boulder, CO Metro Area; Colorado 4.8 3.6 08014 Broomfield County; Denver-Aurora-Broomfield, CO Metro Area; Colorado 6.5 N/A 08021 Conejos County, Colorado 7.5 5.7 08045 Garfield County, Colorado 2.6 3.7 08059 Jefferson County; Denver-Aurora-Broomfield, CO Metro Area; Colorado 5.6 4.0 08069 Larimer County; Fort Collins-Loveland, CO Metro Area; Colorado 5.3 4.3 Start Printed Page 1233 08071 Las Animas County, Colorado 8.3 5.7 08077 Mesa County; Grand Junction, CO Metro Area; Colorado 2.7 6.1 08079 Mineral County, Colorado N/A 6.2 08087 Morgan County; Fort Morgan, CO Micro Area; Colorado 8.4 6.0 08097 Pitkin County, Colorado 4.7 6.2 09001 Fairfield County; Bridgeport-Stamford-Norwalk, CT Metro Area; Connecticut 7.5 4.4 09003 Hartford County; Hartford-West Hartford-East Hartford, CT Metro Area; Connecticut 7.5 6.6 09005 Litchfield County; Torrington, CT Micro Area; Connecticut 7.5 4.6 09007 Middlesex County; Hartford-West Hartford-East Hartford, CT Metro Area; Connecticut 5.9 5.0 09009 New Haven County; New Haven-Milford, CT Metro Area; Connecticut 7.3 6.7 09011 New London County; Norwich-New London, CT Metro Area; Connecticut 5.6 6.7 09013 Tolland County; Hartford-West Hartford-East Hartford, CT Metro Area; Connecticut 6.2 3.9 09015 Windham County; Willimantic, CT Micro Area; Connecticut 4.3 5.2 11001 District of Columbia; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; District of Columbia 5.8 6.6 12003 Baker County; Jacksonville, FL Metro Area; Florida 1.5 7.1 12086 Miami-Dade County; Miami-Fort Lauderdale-Pompano Beach, FL Metro Area; Florida 7.8 7.1 13007 Baker County; Albany, GA Metro Area; Georgia 7.2 1.1 13013 Barrow County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 8.6 5.6 13035 Butts County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 4.0 5.9 13043 Candler County, Georgia 2.6 6.2 13079 Crawford County; Macon, GA Metro Area; Georgia 7.0 6.6 13083 Dade County; Chattanooga, TN-GA Metro Area; Georgia 8.6 6.4 13085 Dawson County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 3.5 3.6 13105 Elbert County, Georgia 7.5 7.1 13117 Forsyth County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 6.5 4.5 13129 Gordon County; Calhoun, GA Micro Area; Georgia 8.4 6.4 13133 Greene County, Georgia 7.3 3.4 13139 Hall County; Gainesville, GA Metro Area; Georgia 7.3 5.9 13159 Jasper County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 3.7 3.2 13171 Lamar County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 4.6 6.9 13181 Lincoln County, Georgia 2.2 4.7 13197 Marion County; Columbus, GA-AL Metro Area; Georgia 8.3 3.7 13199 Meriwether County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 4.9 6.2 13205 Mitchell County, Georgia 2.2 3.4 13211 Morgan County, Georgia 3.1 3.8 13217 Newton County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 7.7 6.6 13231 Pike County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 8.1 4.2 13237 Putnam County, Georgia 1.0 4.3 13249 Schley County; Americus, GA Micro Area; Georgia 3.2 6.4 13293 Upson County; Thomaston, GA Micro Area; Georgia 2.7 7.0 13297 Walton County; Atlanta-Sandy Springs-Marietta, GA Metro Area; Georgia 4.0 5.5 13301 Warren County, Georgia 1.2 4.7 13307 Webster County, Georgia N/A N/A 15005 Kalawao County, Hawaii N/A N/A 16001 Ada County; Boise City-Nampa, ID Metro Area; Idaho 6.6 5.6 16017 Bonner County, Idaho 5.0 7.0 16027 Canyon County; Boise City-Nampa, ID Metro Area; Idaho 7.8 7.1 16041 Franklin County; Logan, UT-ID Metro Area; Idaho 1.1 3.0 16045 Gem County; Boise City-Nampa, ID Metro Area; Idaho N/A 6.1 16047 Gooding County, Idaho 4.7 4.0 16053 Jerome County; Twin Falls, ID Micro Area; Idaho 4.1 6.9 16057 Latah County; Moscow, ID Micro Area; Idaho 5.8 5.3 16065 Madison County; Rexburg, ID Micro Area; Idaho 3.0 6.3 16069 Nez Perce County; Lewiston, ID-WA Metro Area; Idaho 3.3 4.3 16071 Oneida County, Idaho 5.3 6.3 16077 Power County; Pocatello, ID Metro Area; Idaho 3.8 4.9 16087 Washington County, Idaho 3.8 6.4 17007 Boone County; Rockford, IL Metro Area; Illinois 6.8 6.5 17009 Brown County, Illinois 2.4 6.4 17013 Calhoun County; St. Louis, MO-IL Metro Area; Illinois 4.1 7.1 17019 Champaign County; Champaign-Urbana, IL Metro Area; Illinois 8.5 7.1 17027 Clinton County; St. Louis, MO-IL Metro Area; Illinois 3.5 4.4 17031 Cook County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 8.0 6.1 17037 DeKalb County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 4.5 3.8 17043 DuPage County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 8.3 5.2 17053 Ford County; Champaign-Urbana, IL Metro Area; Illinois 2.5 5.0 17055 Franklin County, Illinois 6.8 6.7 Start Printed Page 1234 17057 Fulton County; Canton, IL Micro Area; Illinois 5.2 4.4 17061 Greene County, Illinois 5.0 5.6 17071 Henderson County; Burlington, IA-IL Micro Area; Illinois 1.0 7.0 17073 Henry County; Davenport-Moline-Rock Island, IA-IL Metro Area; Illinois 8.0 5.5 17075 Iroquois County, Illinois 6.7 6.6 17083 Jersey County; St. Louis, MO-IL Metro Area; Illinois 4.8 5.2 17087 Johnson County, Illinois 1.3 3.4 17089 Kane County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 7.2 5.1 17091 Kankakee County; Kankakee-Bradley, IL Metro Area; Illinois 7.2 6.4 17097 Lake County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 8.2 5.5 17109 McDonough County; Macomb, IL Micro Area; Illinois 3.4 6.9 17111 McHenry County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 7.1 4.0 17125 Mason County, Illinois 3.6 5.8 17131 Mercer County; Davenport-Moline-Rock Island, IA-IL Metro Area; Illinois 4.9 5.2 17139 Moultrie County, Illinois 8.0 5.2 17141 Ogle County; Rochelle, IL Micro Area; Illinois 5.8 6.0 17147 Piatt County; Champaign-Urbana, IL Metro Area; Illinois 5.7 4.8 17149 Pike County, Illinois 4.6 6.6 17153 Pulaski County, Illinois 5.2 6.6 17161 Rock Island County; Davenport-Moline-Rock Island, IA-IL Metro Area; Illinois 7.0 7.1 17169 Schuyler County, Illinois N/A 6.3 17171 Scott County; Jacksonville, IL Micro Area; Illinois 4.1 6.8 17173 Shelby County, Illinois 3.9 6.7 17181 Union County, Illinois 1.8 4.4 17195 Whiteside County; Sterling, IL Micro Area; Illinois 3.6 7.0 17197 Will County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Illinois 8.0 6.5 17203 Woodford County; Peoria, IL Metro Area; Illinois 4.4 6.7 18001 Adams County; Decatur, IN Micro Area; Indiana 8.0 6.2 18007 Benton County; Lafayette, IN Metro Area; Indiana 4.3 6.8 18015 Carroll County; Lafayette, IN Metro Area; Indiana 4.2 4.5 18029 Dearborn County; Cincinnati-Middletown, OH-KY-IN Metro Area; Indiana 8.6 7.0 18031 Decatur County; Greensburg, IN Micro Area; Indiana 1.7 6.4 18037 Dubois County; Jasper, IN Micro Area; Indiana 6.1 3.8 18073 Jasper County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Indiana 5.1 5.2 18085 Kosciusko County; Warsaw, IN Micro Area; Indiana 3.0 6.4 18087 LaGrange County, Indiana 5.7 6.4 18089 Lake County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Indiana 7.8 7.0 18105 Monroe County; Bloomington, IN Metro Area; Indiana 8.5 6.4 18111 Newton County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Indiana 5.9 6.7 18119 Owen County; Bloomington, IN Metro Area; Indiana 4.6 5.5 18121 Parke County, Indiana 7.5 5.5 18127 Porter County; Chicago-Naperville-Joliet, IL-IN-WI Metro Area; Indiana 7.1 7.1 18137 Ripley County, Indiana 6.0 4.7 18149 Starke County, Indiana 3.9 4.5 18157 Tippecanoe County; Lafayette, IN Metro Area; Indiana 6.6 5.2 18159 Tipton County; Kokomo, IN Metro Area; Indiana 1.8 6.3 18161 Union County, Indiana 5.7 6.2 18165 Vermillion County; Terre Haute, IN Metro Area; Indiana 7.5 5.4 18171 Warren County, Indiana 6.4 5.8 18175 Washington County; Louisville-Jefferson County, KY-IN Metro Area; Indiana 6.3 6.5 18181 White County, Indiana 8.5 6.6 18183 Whitley County; Fort Wayne, IN Metro Area; Indiana 6.7 7.3 19003 Adams County, Iowa 4.5 6.9 19005 Allamakee County, Iowa 7.4 6.2 19009 Audubon County, Iowa 4.3 6.3 19011 Benton County; Cedar Rapids, IA Metro Area; Iowa 3.8 6.7 19013 Black Hawk County; Waterloo-Cedar Falls, IA Metro Area; Iowa 4.8 4.9 19015 Boone County; Boone, IA Micro Area; Iowa 2.9 7.2 19017 Bremer County; Waterloo-Cedar Falls, IA Metro Area; Iowa 3.0 5.4 19021 Buena Vista County; Storm Lake, IA Micro Area; Iowa 1.8 5.7 19023 Butler County, Iowa 2.5 4.7 19031 Cedar County, Iowa 0.9 5.3 19033 Cerro Gordo County; Mason City, IA Micro Area; Iowa 8.0 5.4 19037 Chickasaw County, Iowa 3.4 6.8 19041 Clay County; Spencer, IA Micro Area; Iowa 7.3 4.2 19049 Dallas County; Des Moines-West Des Moines, IA Metro Area; Iowa 4.5 6.3 19073 Greene County, Iowa 4.7 6.3 19075 Grundy County; Waterloo-Cedar Falls, IA Metro Area; Iowa 5.0 4.7 Start Printed Page 1235 19079 Hamilton County, Iowa 6.4 5.0 19081 Hancock County, Iowa 5.3 5.6 19085 Harrison County; Omaha-Council Bluffs, NE-IA Metro Area; Iowa 5.5 7.0 19091 Humboldt County, Iowa 5.3 5.7 19097 Jackson County, Iowa 6.0 5.2 19103 Johnson County; Iowa City, IA Metro Area; Iowa 5.3 3.4 19105 Jones County; Cedar Rapids, IA Metro Area; Iowa 6.5 5.1 19113 Linn County; Cedar Rapids, IA Metro Area; Iowa 6.9 5.9 19121 Madison County; Des Moines-West Des Moines, IA Metro Area; Iowa 4.4 7.2 19131 Mitchell County, Iowa N/A 6.9 19135 Monroe County, Iowa N/A 6.8 19139 Muscatine County; Muscatine, IA Micro Area; Iowa 5.1 6.3 19153 Polk County; Des Moines-West Des Moines, IA Metro Area; Iowa 5.7 6.5 19159 Ringgold County, Iowa 1.0 5.3 19163 Scott County; Davenport-Moline-Rock Island, IA-IL Metro Area; Iowa 8.0 7.2 19169 Story County; Ames, IA Metro Area; Iowa 4.2 4.8 19177 Van Buren County, Iowa 7.0 5.9 19179 Wapello County; Ottumwa, IA Micro Area; Iowa 7.4 7.0 19181 Warren County; Des Moines-West Des Moines, IA Metro Area; Iowa 2.8 7.2 19185 Wayne County, Iowa 2.2 6.9 19187 Webster County; Fort Dodge, IA Micro Area; Iowa 4.6 7.3 19191 Winneshiek County, Iowa 7.0 5.9 19197 Wright County, Iowa 6.7 7.1 20017 Chase County; Emporia, KS Micro Area; Kansas N/A 4.8 20023 Cheyenne County, Kansas 5.8 7.1 20045 Douglas County; Lawrence, KS Metro Area; Kansas 6.3 3.7 20049 Elk County, Kansas N/A 7.3 20059 Franklin County; Kansas City, MO-KS Metro Area; Kansas 6.5 5.4 20073 Greenwood County, Kansas 3.7 6.2 20079 Harvey County; Wichita, KS Metro Area; Kansas 8.7 7.0 20087 Jefferson County; Topeka, KS Metro Area; Kansas 4.9 4.8 20091 Johnson County; Kansas City, MO-KS Metro Area; Kansas 7.6 7.2 20107 Linn County; Kansas City, MO-KS Metro Area; Kansas 4.7 6.2 20121 Miami County; Kansas City, MO-KS Metro Area; Kansas 2.9 5.9 20131 Nemaha County, Kansas 4.7 6.3 20133 Neosho County, Kansas 3.3 7.3 20161 Riley County; Manhattan, KS Metro Area; Kansas 4.3 3.7 20183 Smith County, Kansas 6.3 4.4 20199 Wallace County, Kansas 4.8 7.1 21017 Bourbon County; Lexington-Fayette, KY Metro Area; Kentucky 4.7 7.0 21023 Bracken County; Cincinnati-Middletown, OH-KY-IN Metro Area; Kentucky 6.1 3.5 21025 Breathitt County, Kentucky 2.4 7.0 21029 Bullitt County; Louisville-Jefferson County, KY-IN Metro Area; Kentucky 6.1 7.0 21031 Butler County, Kentucky 7.3 7.0 21045 Casey County, Kentucky 2.1 6.3 21051 Clay County, Kentucky 4.0 5.2 21069 Fleming County, Kentucky 4.5 6.9 21097 Harrison County, Kentucky 7.3 6.2 21101 Henderson County; Evansville, IN-KY Metro Area; Kentucky 6.7 6.4 21103 Henry County; Louisville-Jefferson County, KY-IN Metro Area; Kentucky 1.8 6.3 21105 Hickman County, Kentucky N/A 4.5 21109 Jackson County, Kentucky 4.7 4.9 21113 Jessamine County; Lexington-Fayette, KY Metro Area; Kentucky 5.6 5.4 21129 Lee County, Kentucky 5.9 6.9 21153 Magoffin County, Kentucky 8.3 6.6 21185 Oldham County; Louisville-Jefferson County, KY-IN Metro Area; Kentucky 5.7 4.8 21189 Owsley County, Kentucky 1.1 6.4 21197 Powell County, Kentucky 3.1 7.2 21211 Shelby County; Louisville-Jefferson County, KY-IN Metro Area; Kentucky 7.1 5.0 21221 Trigg County; Clarksville, TN-KY Metro Area; Kentucky 7.6 4.6 21229 Washington County, Kentucky 6.3 1.9 21239 Woodford County; Lexington-Fayette, KY Metro Area; Kentucky 3.2 6.0 22007 Assumption Parish; Pierre Part, LA Micro Area; Louisiana 6.0 4.5 22009 Avoyelles Parish, Louisiana 6.1 4.9 22025 Catahoula Parish, Louisiana 2.9 6.2 22029 Concordia Parish; Natchez, MS-LA Micro Area; Louisiana 5.6 5.8 22037 East Feliciana Parish; Baton Rouge, LA Metro Area; Louisiana 1.2 6.9 22039 Evangeline Parish, Louisiana 8.5 6.4 Start Printed Page 1236 22041 Franklin Parish, Louisiana 1.8 5.4 22045 Iberia Parish; New Iberia, LA Micro Area; Louisiana 4.0 5.9 22065 Madison Parish; Tallulah, LA Micro Area; Louisiana 3.7 5.7 22075 Plaquemines Parish; New Orleans-Metairie-Kenner, LA Metro Area; Louisiana 2.6 5.0 22081 Red River Parish, Louisiana 2.9 7.1 22083 Richland Parish, Louisiana 5.4 6.6 22087 St. Bernard Parish; New Orleans-Metairie-Kenner, LA Metro Area; Louisiana 4.4 6.0 22091 St. Helena Parish; Baton Rouge, LA Metro Area; Louisiana N/A 4.6 22125 West Feliciana Parish; Baton Rouge, LA Metro Area; Louisiana 2.5 7.1 23005 Cumberland County; Portland-South Portland-Biddeford, ME Metro Area; Maine 5.7 3.7 23009 Hancock County, Maine 8.1 4.9 23013 Knox County; Rockland, ME Micro Area; Maine 7.3 5.1 23019 Penobscot County; Bangor, ME Metro Area; Maine 5.9 6.2 23023 Sagadahoc County; Portland-South Portland-Biddeford, ME Metro Area; Maine 7.5 6.2 24003 Anne Arundel County; Baltimore-Towson, MD Metro Area; Maryland 6.3 4.7 24005 Baltimore County; Baltimore-Towson, MD Metro Area; Maryland 6.2 6.0 24009 Calvert County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Maryland 3.9 7.2 24011 Caroline County, Maryland 4.5 7.1 24013 Carroll County; Baltimore-Towson, MD Metro Area; Maryland 6.0 4.9 24017 Charles County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Maryland 5.4 4.4 24019 Dorchester County; Cambridge, MD Micro Area; Maryland 4.7 7.1 24021 Frederick County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Maryland 5.5 4.8 24025 Harford County; Baltimore-Towson, MD Metro Area; Maryland 6.0 5.9 24031 Montgomery County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Maryland 5.3 3.1 24033 Prince George's County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Maryland 8.1 5.4 24035 Queen Anne's County; Baltimore-Towson, MD Metro Area; Maryland 4.9 5.2 24041 Talbot County; Easton, MD Micro Area; Maryland 3.1 5.9 24043 Washington County; Hagerstown-Martinsburg, MD-WV Metro Area; Maryland 7.4 5.7 24045 Wicomico County; Salisbury, MD Metro Area; Maryland 5.6 5.2 25001 Barnstable County; Barnstable Town, MA Metro Area; Massachusetts 6.5 5.8 25005 Bristol County; Providence-New Bedford-Fall River, RI-MA Metro Area; Massachusetts 5.1 5.6 25007 Dukes County, Massachusetts 6.6 4.3 25009 Essex County; Boston-Cambridge-Quincy, MA-NH Metro Area; Massachusetts 6.3 3.4 25011 Franklin County; Springfield, MA Metro Area; Massachusetts 2.3 2.9 25013 Hampden County; Springfield, MA Metro Area; Massachusetts 5.0 5.5 25015 Hampshire County; Springfield, MA Metro Area; Massachusetts 4.8 2.4 25017 Middlesex County; Boston-Cambridge-Quincy, MA-NH Metro Area; Massachusetts 5.8 2.4 25021 Norfolk County; Boston-Cambridge-Quincy, MA-NH Metro Area; Massachusetts 3.8 2.8 25023 Plymouth County; Boston-Cambridge-Quincy, MA-NH Metro Area; Massachusetts 4.4 3.4 25025 Suffolk County; Boston-Cambridge-Quincy, MA-NH Metro Area; Massachusetts 5.5 3.4 25027 Worcester County; Worcester, MA Metro Area; Massachusetts 7.8 4.5 26005 Allegan County; Allegan, MI Micro Area; Michigan 6.5 7.1 26007 Alpena County; Alpena, MI Micro Area; Michigan 6.8 5.5 26015 Barry County; Grand Rapids-Wyoming, MI Metro Area; Michigan 7.6 6.6 26027 Cass County; South Bend-Mishawaka, IN-MI Metro Area; Michigan 8.5 6.3 26029 Charlevoix County, Michigan 5.9 5.4 26031 Cheboygan County, Michigan 8.0 6.3 26045 Eaton County; Lansing-East Lansing, MI Metro Area; Michigan 8.0 5.2 26051 Gladwin County, Michigan 6.8 5.9 26055 Grand Traverse County; Traverse City, MI Micro Area; Michigan 8.3 5.0 26061 Houghton County; Houghton, MI Micro Area; Michigan 4.4 6.7 26063 Huron County, Michigan 8.2 6.7 26067 Ionia County; Grand Rapids-Wyoming, MI Metro Area; Michigan 6.3 6.5 26077 Kalamazoo County; Kalamazoo-Portage, MI Metro Area; Michigan 8.6 6.8 26081 Kent County; Grand Rapids-Wyoming, MI Metro Area; Michigan 7.8 6.2 26087 Lapeer County; Detroit-Warren-Livonia, MI Metro Area; Michigan 7.2 7.2 26091 Lenawee County; Adrian, MI Micro Area; Michigan 6.8 7.0 26099 Macomb County; Detroit-Warren-Livonia, MI Metro Area; Michigan 7.2 5.1 26111 Midland County; Midland, MI Micro Area; Michigan 6.0 6.7 26115 Monroe County; Monroe, MI Metro Area; Michigan 8.0 6.6 26119 Montmorency County, Michigan 4.2 5.0 26123 Newaygo County; Grand Rapids-Wyoming, MI Metro Area; Michigan 6.2 6.4 26129 Ogemaw County, Michigan 4.8 4.5 Start Printed Page 1237 26145 Saginaw County; Saginaw-Saginaw Township North, MI Metro Area; Michigan 8.7 7.0 26165 Wexford County; Cadillac, MI Micro Area; Michigan 5.4 6.5 27003 Anoka County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 7.6 2.1 27005 Becker County, Minnesota 1.7 5.7 27007 Beltrami County; Bemidji, MN Micro Area; Minnesota 6.2 4.0 27013 Blue Earth County; Mankato-North Mankato, MN Metro Area; Minnesota 5.6 3.4 27017 Carlton County; Duluth, MN-WI Metro Area; Minnesota 2.5 4.3 27019 Carver County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 4.3 2.8 27021 Cass County; Brainerd, MN Micro Area; Minnesota 4.6 4.1 27025 Chisago County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 5.3 2.2 27029 Clearwater County, Minnesota 5.5 5.3 27031 Cook County, Minnesota 4.9 6.3 27035 Crow Wing County; Brainerd, MN Micro Area; Minnesota 4.6 2.6 27037 Dakota County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 8.2 2.5 27041 Douglas County; Alexandria, MN Micro Area; Minnesota 2.3 6.5 27049 Goodhue County; Red Wing, MN Micro Area; Minnesota 6.0 4.7 27053 Hennepin County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 6.5 2.7 27059 Isanti County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 8.7 6.0 27061 Itasca County, Minnesota 4.5 4.2 27065 Kanabec County, Minnesota 3.1 5.0 27087 Mahnomen County, Minnesota 5.9 6.8 27093 Meeker County, Minnesota 7.4 4.3 27095 Mille Lacs County, Minnesota 3.4 3.3 27097 Morrison County, Minnesota 3.0 4.0 27099 Mower County; Austin, MN Micro Area; Minnesota 5.1 6.2 27103 Nicollet County; Mankato-North Mankato, MN Metro Area; Minnesota 2.3 6.4 27105 Nobles County; Worthington, MN Micro Area; Minnesota 2.4 7.1 27111 Otter Tail County; Fergus Falls, MN Micro Area; Minnesota 6.1 6.0 27115 Pine County, Minnesota 3.9 4.2 27121 Pope County, Minnesota 4.2 4.0 27123 Ramsey County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 6.6 2.6 27137 St. Louis County; Duluth, MN-WI Metro Area; Minnesota 5.2 6.1 27139 Scott County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 6.7 4.7 27143 Sibley County, Minnesota 7.9 5.7 27145 Stearns County; St. Cloud, MN Metro Area; Minnesota 6.8 3.4 27149 Stevens County, Minnesota 7.2 6.8 27157 Wabasha County; Rochester, MN Metro Area; Minnesota 7.4 5.2 27159 Wadena County, Minnesota 7.0 6.4 27163 Washington County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 6.7 5.0 27169 Winona County; Winona, MN Micro Area; Minnesota 4.8 5.1 27171 Wright County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Minnesota 3.9 2.5 28005 Amite County; McComb, MS Micro Area; Mississippi 4.7 4.0 28011 Bolivar County; Cleveland, MS Micro Area; Mississippi 6.2 6.5 28013 Calhoun County, Mississippi 2.7 6.5 28021 Claiborne County, Mississippi 8.7 7.1 28027 Coahoma County; Clarksdale, MS Micro Area; Mississippi 5.9 5.1 28051 Holmes County, Mississippi 2.6 4.7 28053 Humphreys County, Mississippi N/A 3.5 28061 Jasper County; Laurel, MS Micro Area; Mississippi 3.2 4.5 28069 Kemper County; Meridian, MS Micro Area; Mississippi 1.2 2.4 28089 Madison County; Jackson, MS Metro Area; Mississippi 6.8 5.3 28093 Marshall County; Memphis, TN-MS-AR Metro Area; Mississippi 5.6 7.0 28103 Noxubee County, Mississippi 2.3 7.2 28119 Quitman County, Mississippi 8.2 3.7 28123 Scott County, Mississippi 6.8 7.0 28125 Sharkey County, Mississippi 6.5 6.7 28133 Sunflower County; Indianola, MS Micro Area; Mississippi 3.4 6.3 28135 Tallahatchie County, Mississippi 7.8 4.0 28137 Tate County; Memphis, TN-MS-AR Metro Area; Mississippi 7.1 4.6 28145 Union County, Mississippi 7.6 5.8 28147 Walthall County, Mississippi 3.5 4.9 28155 Webster County, Mississippi 2.3 4.4 28157 Wilkinson County, Mississippi 2.2 1.3 29003 Andrew County; St. Joseph, MO-KS Metro Area; Missouri N/A 6.3 29013 Bates County; Kansas City, MO-KS Metro Area; Missouri 4.9 6.3 29017 Bollinger County; Cape Girardeau-Jackson, MO-IL Metro Area; Missouri 5.9 6.4 29019 Boone County; Columbia, MO Metro Area; Missouri 6.6 7.3 29037 Cass County; Kansas City, MO-KS Metro Area; Missouri 6.5 7.1 Start Printed Page 1238 29045 Clark County; Fort Madison-Keokuk, IA-MO Micro Area; Missouri 6.3 7.2 29049 Clinton County; Kansas City, MO-KS Metro Area; Missouri 6.2 7.2 29051 Cole County; Jefferson City, MO Metro Area; Missouri 6.0 7.0 29093 Iron County, Missouri 3.9 7.1 29183 St. Charles County; St. Louis, MO-IL Metro Area; Missouri 6.8 5.8 29186 Ste. Genevieve County, Missouri 6.6 5.8 29189 St. Louis County; St. Louis, MO-IL Metro Area; Missouri 6.7 7.0 29219 Warren County; St. Louis, MO-IL Metro Area; Missouri 1.9 6.7 29227 Worth County, Missouri 8.6 6.1 30005 Blaine County, Montana 5.5 7.0 30013 Cascade County; Great Falls, MT Metro Area; Montana 5.3 6.5 30029 Flathead County; Kalispell, MT Micro Area; Montana 7.0 6.3 30031 Gallatin County; Bozeman, MT Micro Area; Montana 4.5 6.0 30049 Lewis and Clark County; Helena, MT Micro Area; Montana 5.3 5.6 30063 Missoula County; Missoula, MT Metro Area; Montana 6.0 4.6 30081 Ravalli County, Montana 8.1 6.2 30095 Stillwater County, Montana 3.4 5.6 30099 Teton County, Montana 1.5 6.1 30103 Treasure County, Montana 3.8 6.9 30105 Valley County, Montana 7.8 7.3 30111 Yellowstone County; Billings, MT Metro Area; Montana 4.0 5.4 31005 Arthur County, Nebraska N/A 5.3 31007 Banner County; Scottsbluff, NE Micro Area; Nebraska 2.7 N/A 31019 Buffalo County; Kearney, NE Micro Area; Nebraska 7.2 5.9 31021 Burt County, Nebraska 5.0 6.3 31039 Cuming County, Nebraska 0.8 5.3 31051 Dixon County; Sioux City, IA-NE-SD Metro Area; Nebraska 5.6 6.4 31059 Fillmore County, Nebraska 1.4 7.2 31061 Franklin County, Nebraska 8.2 5.6 31109 Lancaster County; Lincoln, NE Metro Area; Nebraska 7.5 6.6 31117 McPherson County; North Platte, NE Micro Area; Nebraska 4.5 6.2 31121 Merrick County; Grand Island, NE Micro Area; Nebraska 4.6 6.1 31149 Rock County, Nebraska 6.7 6.9 31153 Sarpy County; Omaha-Council Bluffs, NE-IA Metro Area; Nebraska 6.9 5.1 31159 Seward County; Lincoln, NE Metro Area; Nebraska 5.3 6.9 31165 Sioux County, Nebraska 6.9 5.7 31167 Stanton County; Norfolk, NE Micro Area; Nebraska N/A 6.1 31173 Thurston County, Nebraska 7.0 4.1 31177 Washington County; Omaha-Council Bluffs, NE-IA Metro Area; Nebraska 5.8 6.9 31179 Wayne County, Nebraska 7.1 6.0 33001 Belknap County; Laconia, NH Micro Area; New Hampshire 4.7 6.3 33005 Cheshire County; Keene, NH Micro Area; New Hampshire 4.9 3.4 33009 Grafton County; Lebanon, NH-VT Micro Area; New Hampshire 7.6 3.8 33011 Hillsborough County; Manchester-Nashua, NH Metro Area; New Hampshire 6.9 2.5 33013 Merrimack County; Concord, NH Micro Area; New Hampshire 4.5 3.1 33015 Rockingham County; Boston-Cambridge-Quincy, MA-NH Metro Area; New Hampshire 7.4 3.0 33017 Strafford County; Boston-Cambridge-Quincy, MA-NH Metro Area; New Hampshire 4.7 2.6 33019 Sullivan County; Claremont, NH Micro Area; New Hampshire 3.9 6.5 34003 Bergen County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 3.8 2.8 34005 Burlington County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; New Jersey 6.1 5.9 34007 Camden County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; New Jersey 5.5 7.2 34011 Cumberland County; Vineland-Millville-Bridgeton, NJ Metro Area; New Jersey 8.1 6.1 34013 Essex County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 7.1 5.8 34015 Gloucester County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; New Jersey 7.7 6.7 34017 Hudson County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 6.2 3.5 34019 Hunterdon County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 2.2 4.4 34021 Mercer County; Trenton-Ewing, NJ Metro Area; New Jersey 7.7 6.0 34023 Middlesex County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 5.3 3.0 34025 Monmouth County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 5.6 4.5 Start Printed Page 1239 34027 Morris County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 6.0 2.8 34031 Passaic County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 6.5 3.1 34037 Sussex County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 3.5 4.8 34039 Union County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New Jersey 6.5 3.9 34041 Warren County; Allentown-Bethlehem-Easton, PA-NJ Metro Area; New Jersey 7.0 6.5 35033 Mora County, New Mexico 7.1 5.6 36001 Albany County; Albany-Schenectady-Troy, NY Metro Area; New York 4.8 6.7 36005 Bronx County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 3.7 4.6 36019 Clinton County; Plattsburgh, NY Micro Area; New York 5.3 7.0 36021 Columbia County; Hudson, NY Micro Area; New York 5.9 5.6 36027 Dutchess County; Poughkeepsie-Newburgh-Middletown, NY Metro Area; New York 6.0 4.8 36047 Kings County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 3.7 3.8 36059 Nassau County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 6.3 2.2 36061 New York County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 2.5 3.9 36071 Orange County; Poughkeepsie-Newburgh-Middletown, NY Metro Area; New York 4.2 4.7 36079 Putnam County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 5.0 2.7 36081 Queens County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 3.3 2.8 36085 Richmond County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 8.2 4.8 36087 Rockland County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 4.2 3.1 36091 Saratoga County; Albany-Schenectady-Troy, NY Metro Area; New York 6.0 5.8 36103 Suffolk County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 6.5 3.7 36109 Tompkins County; Ithaca, NY Metro Area; New York 3.3 4.1 36111 Ulster County; Kingston, NY Metro Area; New York 4.2 5.6 36119 Westchester County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; New York 5.2 3.5 36121 Wyoming County, New York 5.2 7.0 37005 Alleghany County, North Carolina 2.1 5.7 37015 Bertie County, North Carolina 4.4 6.9 37023 Burke County; Hickory-Lenoir-Morganton, NC Metro Area; North Carolina 8.5 7.1 37029 Camden County; Elizabeth City, NC Micro Area; North Carolina N/A 3.0 37041 Chowan County, North Carolina 1.6 6.8 37043 Clay County, North Carolina 7.6 5.1 37057 Davidson County; Thomasville-Lexington, NC Micro Area; North Carolina 6.1 6.0 37073 Gates County, North Carolina 2.0 3.7 37077 Granville County, North Carolina 3.6 6.7 37079 Greene County; Greenville, NC Metro Area; North Carolina 4.5 6.7 37083 Halifax County; Roanoke Rapids, NC Micro Area; North Carolina 6.0 7.0 37091 Hertford County, North Carolina 7.2 5.6 37109 Lincoln County; Lincolnton, NC Micro Area; North Carolina 4.5 5.6 37111 McDowell County, North Carolina 7.5 5.8 37117 Martin County, North Carolina 5.6 5.7 37121 Mitchell County, North Carolina 1.2 6.6 37123 Montgomery County, North Carolina 5.9 5.3 37131 Northampton County; Roanoke Rapids, NC Micro Area; North Carolina 1.7 4.9 37143 Perquimans County; Elizabeth City, NC Micro Area; North Carolina 2.6 5.3 37145 Person County; Durham-Chapel Hill, NC Metro Area; North Carolina 5.5 5.8 37169 Stokes County; Winston-Salem, NC Metro Area; North Carolina 7.0 7.1 37175 Transylvania County; Brevard, NC Micro Area; North Carolina 4.6 5.6 37177 Tyrrell County, North Carolina 3.7 5.0 37179 Union County; Charlotte-Gastonia-Concord, NC-SC Metro Area; North Carolina 5.5 3.6 37181 Vance County; Henderson, NC Micro Area; North Carolina 6.4 5.7 37187 Washington County, North Carolina 4.4 6.1 37189 Watauga County; Boone, NC Micro Area; North Carolina 6.6 7.0 37195 Wilson County; Wilson, NC Micro Area; North Carolina 6.5 5.2 38015 Burleigh County; Bismarck, ND Metro Area; North Dakota 5.5 5.3 Start Printed Page 1240 38017 Cass County; Fargo, ND-MN Metro Area; North Dakota 4.5 5.0 38035 Grand Forks County; Grand Forks, ND-MN Metro Area; North Dakota 6.9 6.2 38079 Rolette County, North Dakota 7.8 7.3 38085 Sioux County, North Dakota 3.5 3.3 38091 Steele County, North Dakota 5.0 5.2 38101 Ward County; Minot, ND Micro Area; North Dakota 3.7 5.3 39001 Adams County, Ohio 8.6 7.0 39005 Ashland County; Ashland, OH Micro Area; Ohio 5.1 6.5 39015 Brown County; Cincinnati-Middletown, OH-KY-IN Metro Area; Ohio 6.3 7.1 39019 Carroll County; Canton-Massillon, OH Metro Area; Ohio 2.9 5.9 39029 Columbiana County; East Liverpool-Salem, OH Micro Area; Ohio 6.2 6.1 39037 Darke County; Greenville, OH Micro Area; Ohio 3.9 5.7 39045 Fairfield County; Columbus, OH Metro Area; Ohio 5.8 6.3 39055 Geauga County; Cleveland-Elyria-Mentor, OH Metro Area; Ohio 7.3 5.9 39057 Greene County; Dayton, OH Metro Area; Ohio 6.1 7.2 39067 Harrison County, Ohio 2.0 7.2 39069 Henry County, Ohio 5.9 6.6 39071 Highland County, Ohio 5.0 7.1 39073 Hocking County, Ohio 6.1 4.3 39075 Holmes County, Ohio 5.0 5.7 39077 Huron County; Norwalk, OH Micro Area; Ohio 7.9 5.8 39083 Knox County; Mount Vernon, OH Micro Area; Ohio 5.5 6.4 39085 Lake County; Cleveland-Elyria-Mentor, OH Metro Area; Ohio 7.4 6.3 39089 Licking County; Columbus, OH Metro Area; Ohio 5.3 6.5 39091 Logan County; Bellefontaine, OH Micro Area; Ohio 2.5 7.3 39097 Madison County; Columbus, OH Metro Area; Ohio 4.3 7.0 39107 Mercer County; Celina, OH Micro Area; Ohio 5.4 6.4 39109 Miami County; Dayton, OH Metro Area; Ohio 8.1 7.1 39117 Morrow County; Columbus, OH Metro Area; Ohio 1.0 4.6 39121 Noble County, Ohio 5.5 3.9 39125 Paulding County, Ohio 8.6 6.5 39129 Pickaway County; Columbus, OH Metro Area; Ohio 6.9 5.9 39135 Preble County; Dayton, OH Metro Area; Ohio 1.7 6.0 39137 Putnam County, Ohio 8.1 5.7 39163 Vinton County, Ohio 4.8 3.7 39169 Wayne County; Wooster, OH Micro Area; Ohio 6.3 7.0 39171 Williams County, Ohio 6.5 5.5 39173 Wood County; Toledo, OH Metro Area; Ohio 7.5 5.4 41027 Hood River County; Hood River, OR Micro Area; Oregon 7.4 2.1 41029 Jackson County; Medford, OR Metro Area; Oregon 3.8 5.7 41033 Josephine County; Grants Pass, OR Micro Area; Oregon 4.0 6.7 41039 Lane County; Eugene-Springfield, OR Metro Area; Oregon 4.4 6.4 41051 Multnomah County; Portland-Vancouver-Beaverton, OR-WA Metro Area; Oregon 5.1 6.8 41053 Polk County; Salem, OR Metro Area; Oregon 7.6 7.1 41067 Washington County; Portland-Vancouver-Beaverton, OR-WA Metro Area; Oregon 5.7 7.1 41071 Yamhill County; Portland-Vancouver-Beaverton, OR-WA Metro Area; Oregon 5.0 5.5 42001 Adams County; Gettysburg, PA Micro Area; Pennsylvania 1.7 3.9 42005 Armstrong County; Pittsburgh, PA Metro Area; Pennsylvania 4.0 6.5 42009 Bedford County, Pennsylvania 3.8 6.7 42011 Berks County; Reading, PA Metro Area; Pennsylvania 6.1 6.7 42013 Blair County; Altoona, PA Metro Area; Pennsylvania 5.8 7.2 42017 Bucks County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; Pennsylvania 8.2 4.4 42019 Butler County; Pittsburgh, PA Metro Area; Pennsylvania 5.6 6.0 42027 Centre County; State College, PA Metro Area; Pennsylvania 2.4 3.4 42029 Chester County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; Pennsylvania 5.4 5.0 42031 Clarion County, Pennsylvania 8.2 6.6 42033 Clearfield County; DuBois, PA Micro Area; Pennsylvania 5.5 6.0 42035 Clinton County; Lock Haven, PA Micro Area; Pennsylvania 2.4 5.2 42037 Columbia County; Bloomsburg-Berwick, PA Micro Area; Pennsylvania 5.5 7.1 42041 Cumberland County; Harrisburg-Carlisle, PA Metro Area; Pennsylvania 3.0 6.7 42045 Delaware County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; Pennsylvania 7.3 6.3 42053 Forest County, Pennsylvania 3.3 7.0 42055 Franklin County; Chambersburg, PA Micro Area; Pennsylvania 4.5 7.1 42057 Fulton County, Pennsylvania 2.0 6.9 42061 Huntingdon County; Huntingdon, PA Micro Area; Pennsylvania 8.1 6.9 Start Printed Page 1241 42065 Jefferson County, Pennsylvania 4.2 6.3 42067 Juniata County, Pennsylvania 2.4 5.4 42071 Lancaster County; Lancaster, PA Metro Area; Pennsylvania 4.2 5.1 42075 Lebanon County; Lebanon, PA Metro Area; Pennsylvania 3.6 6.9 42077 Lehigh County; Allentown-Bethlehem-Easton, PA-NJ Metro Area; Pennsylvania 4.9 7.1 42085 Mercer County; Youngstown-Warren-Boardman, OH-PA Metro Area; Pennsylvania 7.9 6.8 42089 Monroe County; East Stroudsburg, PA Micro Area; Pennsylvania 4.9 5.8 42091 Montgomery County; Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area; Pennsylvania 6.4 5.9 42095 Northampton County; Allentown-Bethlehem-Easton, PA-NJ Metro Area; Pennsylvania 5.2 6.2 42103 Pike County; New York-Northern New Jersey-Long Island, NY-NJ-PA Metro Area; Pennsylvania 5.8 5.0 42105 Potter County, Pennsylvania 5.7 6.8 42109 Snyder County; Selinsgrove, PA Micro Area; Pennsylvania 2.0 5.1 42111 Somerset County; Somerset, PA Micro Area; Pennsylvania 5.7 7.1 42115 Susquehanna County, Pennsylvania 2.7 7.0 42117 Tioga County, Pennsylvania 3.6 6.2 42119 Union County; Lewisburg, PA Micro Area; Pennsylvania 3.6 6.4 42121 Venango County; Oil City, PA Micro Area; Pennsylvania 3.7 6.4 42127 Wayne County, Pennsylvania 3.7 7.1 42131 Wyoming County; Scranton-Wilkes-Barre, PA Metro Area; Pennsylvania 1.0 5.2 44001 Bristol County; Providence-New Bedford-Fall River, RI-MA Metro Area; Rhode Island 2.8 4.3 44003 Kent County; Providence-New Bedford-Fall River, RI-MA Metro Area; Rhode Island 5.1 4.8 44005 Newport County; Providence-New Bedford-Fall River, RI-MA Metro Area; Rhode Island 6.4 5.5 44007 Providence County; Providence-New Bedford-Fall River, RI-MA Metro Area; Rhode Island 7.7 5.1 45005 Allendale County, South Carolina 7.4 4.6 45017 Calhoun County; Columbia, SC Metro Area; South Carolina 1.8 4.8 45039 Fairfield County; Columbia, SC Metro Area; South Carolina 7.5 6.5 45065 McCormick County, South Carolina 6.5 7.0 45081 Saluda County; Columbia, SC Metro Area; South Carolina 6.8 5.5 45089 Williamsburg County, South Carolina 2.9 6.6 46011 Brookings County; Brookings, SD Micro Area; South Dakota 4.8 7.0 46015 Brule County, South Dakota 2.7 6.7 46017 Buffalo County, South Dakota N/A 4.9 46031 Corson County, South Dakota 3.5 4.1 46033 Custer County, South Dakota 8.2 5.1 46049 Faulk County, South Dakota 4.1 5.7 46059 Hand County, South Dakota 3.7 5.1 46067 Hutchinson County, South Dakota 6.0 5.9 46079 Lake County, South Dakota 5.8 3.0 46099 Minnehaha County; Sioux Falls, SD Metro Area; South Dakota 7.7 5.0 46103 Pennington County; Rapid City, SD Metro Area; South Dakota 6.7 5.8 46109 Roberts County, South Dakota 5.2 5.7 46111 Sanborn County, South Dakota 3.2 6.3 46113 Shannon County, South Dakota 1.1 0.6 46121 Todd County, South Dakota 8.1 4.8 47003 Bedford County; Shelbyville, TN Micro Area; Tennessee 4.7 6.1 47021 Cheatham County; Nashville-Davidson—Murfreesboro—Franklin, TN Metro Area; Tennessee 3.9 6.6 47047 Fayette County; Memphis, TN-MS-AR Metro Area; Tennessee 6.4 6.7 47127 Moore County; Tullahoma, TN Micro Area; Tennessee 4.4 3.5 47147 Robertson County; Nashville-Davidson—Murfreesboro—Franklin, TN Metro Area; Tennessee 7.4 5.2 47171 Unicoi County; Johnson City, TN Metro Area; Tennessee 8.1 6.4 47175 Van Buren County, Tennessee 5.9 6.4 48013 Atascosa County; San Antonio, TX Metro Area; Texas 5.7 5.7 48015 Austin County; Houston-Sugar Land-Baytown, TX Metro Area; Texas 8.5 3.6 48033 Borden County, Texas N/A N/A 48035 Bosque County, Texas 7.0 6.5 48041 Brazos County; College Station-Bryan, TX Metro Area; Texas 7.7 6.6 48053 Burnet County, Texas 4.9 6.9 48055 Caldwell County; Austin-Round Rock, TX Metro Area; Texas 3.8 4.6 48095 Concho County, Texas 1.7 5.6 48097 Cooke County; Gainesville, TX Micro Area; Texas 5.8 6.0 48119 Delta County; Dallas-Fort Worth-Arlington, TX Metro Area; Texas 1.0 6.1 48123 DeWitt County, Texas 7.1 7.1 Start Printed Page 1242 48137 Edwards County, Texas 2.7 4.3 48139 Ellis County; Dallas-Fort Worth-Arlington, TX Metro Area; Texas 6.9 6.8 48157 Fort Bend County; Houston-Sugar Land-Baytown, TX Metro Area; Texas 7.3 6.4 48171 Gillespie County; Fredericksburg, TX Micro Area; Texas 1.5 3.6 48173 Glasscock County, Texas N/A 7.0 48205 Hartley County, Texas 1.1 6.8 48209 Hays County; Austin-Round Rock, TX Metro Area; Texas 6.1 4.6 48225 Houston County, Texas 7.3 7.1 48247 Jim Hogg County, Texas 5.9 4.8 48251 Johnson County; Dallas-Fort Worth-Arlington, TX Metro Area; Texas 5.8 6.8 48257 Kaufman County; Dallas-Fort Worth-Arlington, TX Metro Area; Texas 6.7 7.2 48261 Kenedy County; Kingsville, TX Micro Area; Texas N/A N/A 48267 Kimble County, Texas 5.1 5.9 48269 King County, Texas N/A N/A 48293 Limestone County, Texas 6.0 6.1 48301 Loving County, Texas N/A N/A 48305 Lynn County, Texas N/A 7.3 48307 McCulloch County, Texas 0.5 5.8 48327 Menard County, Texas 3.7 6.5 48397 Rockwall County; Dallas-Fort Worth-Arlington, TX Metro Area; Texas 3.0 6.1 48421 Sherman County, Texas 5.5 6.5 48425 Somervell County; Granbury, TX Micro Area; Texas N/A 6.6 48453 Travis County; Austin-Round Rock, TX Metro Area; Texas 8.1 3.2 48467 Van Zandt County, Texas 4.2 5.6 48477 Washington County; Brenham, TX Micro Area; Texas 4.0 6.6 48479 Webb County; Laredo, TX Metro Area; Texas 6.4 6.6 48491 Williamson County; Austin-Round Rock, TX Metro Area; Texas 6.3 3.8 48495 Winkler County, Texas 0.8 5.2 49005 Cache County; Logan, UT-ID Metro Area; Utah 4.8 4.7 49009 Daggett County, Utah 3.7 3.3 49011 Davis County; Ogden-Clearfield, UT Metro Area; Utah 6.5 6.2 49021 Iron County; Cedar City, UT Micro Area; Utah 6.8 7.0 49023 Juab County; Provo-Orem, UT Metro Area; Utah 3.4 2.3 49027 Millard County, Utah 4.3 6.9 49031 Piute County, Utah N/A 4.3 49035 Salt Lake County; Salt Lake City, UT Metro Area; Utah 5.9 6.9 49047 Uintah County; Vernal, UT Micro Area; Utah 5.3 6.7 49049 Utah County; Provo-Orem, UT Metro Area; Utah 5.3 3.4 50001 Addison County, Vermont 8.1 3.4 50003 Bennington County; Bennington, VT Micro Area; Vermont 2.2 4.8 50005 Caledonia County, Vermont 6.9 6.3 50007 Chittenden County; Burlington-South Burlington, VT Metro Area; Vermont 3.8 1.8 50011 Franklin County; Burlington-South Burlington, VT Metro Area; Vermont 5.4 2.7 50013 Grand Isle County; Burlington-South Burlington, VT Metro Area; Vermont 4.6 5.6 50015 Lamoille County, Vermont 4.5 2.9 50021 Rutland County; Rutland, VT Micro Area; Vermont 7.2 4.7 50023 Washington County; Barre, VT Micro Area; Vermont 6.1 3.5 50025 Windham County, Vermont 8.2 5.1 50027 Windsor County; Lebanon, NH-VT Micro Area; Vermont 6.7 5.0 51003 Albemarle County; Charlottesville, VA Metro Area; Virginia 5.5 3.9 51005 Alleghany County, Virginia 3.1 5.3 51007 Amelia County; Richmond, VA Metro Area; Virginia N/A 4.9 51009 Amherst County; Lynchburg, VA Metro Area; Virginia 2.3 5.0 51013 Arlington County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 6.6 2.3 51015 Augusta County; Staunton-Waynesboro, VA Micro Area; Virginia 6.0 5.4 51017 Bath County, Virginia 5.6 2.9 51019 Bedford County; Lynchburg, VA Metro Area; Virginia 6.9 6.3 51021 Bland County, Virginia 3.8 6.7 51025 Brunswick County, Virginia 1.7 1.8 51029 Buckingham County, Virginia 3.5 3.5 51031 Campbell County; Lynchburg, VA Metro Area; Virginia 4.6 6.9 51033 Caroline County; Richmond, VA Metro Area; Virginia 8.1 3.9 51043 Clarke County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 7.1 3.1 51045 Craig County; Roanoke, VA Metro Area; Virginia 1.1 3.9 51047 Culpeper County; Culpeper, VA Micro Area; Virginia 7.4 2.5 51049 Cumberland County; Richmond, VA Metro Area; Virginia N/A 3.3 51057 Essex County, Virginia 2.7 3.0 Start Printed Page 1243 51059 Fairfax County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 5.0 2.3 51063 Floyd County, Virginia 7.8 6.4 51065 Fluvanna County; Charlottesville, VA Metro Area; Virginia 3.8 4.0 51067 Franklin County; Roanoke, VA Metro Area; Virginia 6.4 5.8 51069 Frederick County; Winchester, VA-WV Metro Area; Virginia 6.6 5.5 51073 Gloucester County; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 2.5 4.9 51075 Goochland County; Richmond, VA Metro Area; Virginia 6.0 6.9 51079 Greene County; Charlottesville, VA Metro Area; Virginia 1.4 3.0 51081 Greensville County, Virginia 5.7 3.1 51083 Halifax County, Virginia 8.4 7.1 51085 Hanover County; Richmond, VA Metro Area; Virginia 5.2 5.7 51087 Henrico County; Richmond, VA Metro Area; Virginia 6.8 5.2 51093 Isle of Wight County; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 3.0 5.1 51097 King and Queen County; Richmond, VA Metro Area; Virginia 2.7 2.6 51101 King William County; Richmond, VA Metro Area; Virginia 3.2 5.0 51103 Lancaster County, Virginia 1.8 7.0 51109 Louisa County; Richmond, VA Metro Area; Virginia 3.9 3.5 51111 Lunenburg County, Virginia 7.4 4.6 51113 Madison County, Virginia 4.7 3.4 51115 Mathews County; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia N/A 4.0 51119 Middlesex County, Virginia 7.8 4.9 51121 Montgomery County; Blacksburg-Christiansburg-Radford, VA Metro Area; Virginia 4.9 3.5 51125 Nelson County; Charlottesville, VA Metro Area; Virginia 7.6 3.2 51127 New Kent County; Richmond, VA Metro Area; Virginia N/A 2.1 51131 Northampton County, Virginia 3.8 4.6 51133 Northumberland County, Virginia N/A 3.0 51135 Nottoway County, Virginia 3.0 4.8 51139 Page County, Virginia 3.6 4.2 51149 Prince George County; Richmond, VA Metro Area; Virginia 4.8 4.6 51153 Prince William County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 8.3 3.6 51155 Pulaski County; Blacksburg-Christiansburg-Radford, VA Metro Area; Virginia 6.3 6.6 51157 Rappahannock County, Virginia N/A 3.3 51159 Richmond County, Virginia 2.1 3.6 51161 Roanoke County; Roanoke, VA Metro Area; Virginia 6.4 5.6 51165 Rockingham County; Harrisonburg, VA Metro Area; Virginia 2.3 4.2 51171 Shenandoah County, Virginia 6.3 4.1 51183 Sussex County; Richmond, VA Metro Area; Virginia 1.5 4.4 51187 Warren County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 7.9 3.7 51191 Washington County; Kingsport-Bristol-Bristol, TN-VA Metro Area; Virginia 6.1 6.9 51193 Westmoreland County, Virginia 1.2 4.2 51199 York County; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 4.8 3.7 51510 Alexandria city; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 5.6 2.3 51515 Bedford city; Lynchburg, VA Metro Area; Virginia N/A 6.2 51530 Buena Vista city, Virginia 2.1 3.6 51540 Charlottesville city; Charlottesville, VA Metro Area; Virginia 6.1 2.9 51550 Chesapeake city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 1.6 4.9 51595 Emporia city, Virginia 5.4 6.4 51600 Fairfax city; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia N/A 1.6 51610 Falls Church city; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; Virginia 4.6 3.6 51650 Hampton city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 7.7 6.7 51660 Harrisonburg city; Harrisonburg, VA Metro Area; Virginia 4.0 3.6 51678 Lexington city, Virginia N/A 3.3 51700 Newport News city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 6.6 6.6 51735 Poquoson city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 5.2 0.8 51740 Portsmouth city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 4.6 7.0 51750 Radford city; Blacksburg-Christiansburg-Radford, VA Metro Area; Virginia 2.5 6.1 51760 Richmond city; Richmond, VA Metro Area; Virginia 7.2 6.4 51770 Roanoke city; Roanoke, VA Metro Area; Virginia 5.4 6.4 51800 Suffolk city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 5.0 6.9 51810 Virginia Beach city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 5.2 4.6 51820 Waynesboro city; Staunton-Waynesboro, VA Micro Area; Virginia 6.5 5.8 Start Printed Page 1244 51830 Williamsburg city; Virginia Beach-Norfolk-Newport News, VA-NC Metro Area; Virginia 8.6 2.8 53007 Chelan County; Wenatchee-East Wenatchee, WA Metro Area; Washington 7.3 7.1 53011 Clark County; Portland-Vancouver-Beaverton, OR-WA Metro Area; Washington 5.3 7.0 53029 Island County; Oak Harbor, WA Micro Area; Washington 6.1 4.4 53031 Jefferson County, Washington 3.0 5.3 53033 King County; Seattle-Tacoma-Bellevue, WA Metro Area; Washington 4.8 4.2 53035 Kitsap County; Bremerton-Silverdale, WA Metro Area; Washington 6.2 6.9 53037 Kittitas County; Ellensburg, WA Micro Area; Washington 3.7 6.6 53043 Lincoln County, Washington 1.5 6.0 53045 Mason County; Shelton, WA Micro Area; Washington 5.0 6.5 53053 Pierce County; Seattle-Tacoma-Bellevue, WA Metro Area; Washington 6.4 6.8 53055 San Juan County, Washington 5.8 6.9 53057 Skagit County; Mount Vernon-Anacortes, WA Metro Area; Washington 4.2 4.9 53059 Skamania County; Portland-Vancouver-Beaverton, OR-WA Metro Area; Washington 0.4 7.1 53061 Snohomish County; Seattle-Tacoma-Bellevue, WA Metro Area; Washington 4.7 5.8 53065 Stevens County, Washington 6.9 6.4 53067 Thurston County; Olympia, WA Metro Area; Washington 4.1 6.3 53069 Wahkiakum County, Washington N/A 5.1 53073 Whatcom County; Bellingham, WA Metro Area; Washington 2.7 6.0 54001 Barbour County, West Virginia 5.1 4.8 54003 Berkeley County; Hagerstown-Martinsburg, MD-WV Metro Area; West Virginia 5.8 7.0 54013 Calhoun County, West Virginia 6.5 6.9 54017 Doddridge County; Clarksburg, WV Micro Area; West Virginia 0.9 5.6 54027 Hampshire County; Winchester, VA-WV Metro Area; West Virginia 3.9 6.7 54037 Jefferson County; Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area; West Virginia 7.1 4.1 54041 Lewis County, West Virginia 3.1 7.2 54043 Lincoln County; Charleston, WV Metro Area; West Virginia 1.9 5.6 54051 Marshall County; Wheeling, WV-OH Metro Area; West Virginia 3.2 5.1 54071 Pendleton County, West Virginia 2.7 5.9 54083 Randolph County, West Virginia 6.4 6.8 54085 Ritchie County, West Virginia 6.0 5.9 54087 Roane County, West Virginia 2.1 6.7 54095 Tyler County, West Virginia 3.9 7.2 54101 Webster County, West Virginia 8.3 6.9 54109 Wyoming County, West Virginia 1.1 6.3 55001 Adams County, Wisconsin 5.7 6.9 55003 Ashland County, Wisconsin 8.0 7.0 55005 Barron County, Wisconsin 4.5 4.6 55007 Bayfield County, Wisconsin 5.0 6.7 55009 Brown County; Green Bay, WI Metro Area; Wisconsin 6.5 4.1 55013 Burnett County, Wisconsin 4.5 5.2 55017 Chippewa County; Eau Claire, WI Metro Area; Wisconsin 4.5 5.2 55019 Clark County, Wisconsin 7.1 6.3 55021 Columbia County; Madison, WI Metro Area; Wisconsin 8.2 6.9 55025 Dane County; Madison, WI Metro Area; Wisconsin 7.0 4.3 55031 Douglas County; Duluth, MN-WI Metro Area; Wisconsin 7.5 6.6 55035 Eau Claire County; Eau Claire, WI Metro Area; Wisconsin 4.0 3.6 55037 Florence County; Iron Mountain, MI-WI Micro Area; Wisconsin 7.7 5.3 55055 Jefferson County; Watertown-Fort Atkinson, WI Micro Area; Wisconsin 6.6 6.0 55061 Kewaunee County; Green Bay, WI Metro Area; Wisconsin 2.6 6.2 55063 La Crosse County; La Crosse, WI-MN Metro Area; Wisconsin 3.1 4.8 55077 Marquette County, Wisconsin 3.1 6.8 55079 Milwaukee County; Milwaukee-Waukesha-West Allis, WI Metro Area; Wisconsin 4.8 5.8 55081 Monroe County, Wisconsin 5.2 6.7 55083 Oconto County; Green Bay, WI Metro Area; Wisconsin 4.9 5.8 55087 Outagamie County; Appleton, WI Metro Area; Wisconsin 5.1 5.0 55089 Ozaukee County; Milwaukee-Waukesha-West Allis, WI Metro Area; Wisconsin 8.3 5.0 55093 Pierce County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Wisconsin 3.5 3.0 55097 Portage County; Stevens Point, WI Micro Area; Wisconsin 4.3 4.1 55101 Racine County; Racine, WI Metro Area; Wisconsin 6.0 7.1 55107 Rusk County, Wisconsin 3.3 6.0 55109 St. Croix County; Minneapolis-St. Paul-Bloomington, MN-WI Metro Area; Wisconsin 4.2 3.3 55113 Sawyer County, Wisconsin 1.6 6.5 55115 Shawano County, Wisconsin 5.9 6.4 55117 Sheboygan County; Sheboygan, WI Metro Area; Wisconsin 6.8 5.6 55119 Taylor County, Wisconsin 6.7 4.9 55123 Vernon County, Wisconsin 6.8 6.8 Start Printed Page 1245 55127 Walworth County; Whitewater, WI Micro Area; Wisconsin 7.9 4.9 55131 Washington County; Milwaukee-Waukesha-West Allis, WI Metro Area; Wisconsin 3.8 5.0 55133 Waukesha County; Milwaukee-Waukesha-West Allis, WI Metro Area; Wisconsin 4.6 5.4 55137 Waushara County, Wisconsin 3.3 6.3 55139 Winnebago County; Oshkosh-Neenah, WI Metro Area; Wisconsin 7.5 6.0 55141 Wood County; Marshfield-Wisconsin Rapids, WI Micro Area; Wisconsin 6.6 6.0 56001 Albany County; Laramie, WY Micro Area; Wyoming 7.4 5.7 56005 Campbell County; Gillette, WY Micro Area; Wyoming 5.3 6.5 56019 Johnson County, Wyoming 1.4 5.0 56033 Sheridan County; Sheridan, WY Micro Area; Wyoming 3.6 5.2 72003 Aguada Municipio; Aguadilla-Isabela-San Sebastián, PR Metro Area; Puerto Rico N/A 6.7 72005 Aguadilla Municipio; Aguadilla-Isabela-San Sebastián, PR Metro Area; Puerto Rico 4.3 6.5 72007 Aguas Buenas Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.2 6.5 72015 Arroyo Municipio; Guayama, PR Metro Area; Puerto Rico 2.5 3.7 72017 Barceloneta Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.7 5.0 72019 Barranquitas Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 1.0 6.9 72025 Caguas Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.5 5.2 72029 Canovanas Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.1 6.4 72031 Carolina Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.4 7.2 72033 Cataño Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 3.6 5.2 72035 Cayey Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.1 6.3 72037 Ceiba Municipio; Fajardo, PR Metro Area; Puerto Rico 1.6 6.9 72039 Ciales Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico N/A 6.2 72041 Cidra Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico N/A 5.6 72043 Coamo Municipio; Coamo, PR Micro Area; Puerto Rico N/A 5.7 72047 Corozal Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 1.2 4.8 72057 Guayama Municipio; Guayama, PR Metro Area; Puerto Rico 3.9 5.3 72059 Guayanilla Municipio; Yauco, PR Metro Area; Puerto Rico 2.2 5.4 72061 Guaynabo Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.0 6.6 72063 Gurabo Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 6.7 3.9 72065 Hatillo Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 6.0 4.8 72071 Isabela Municipio; Aguadilla-Isabela-San Sebastián, PR Metro Area; Puerto Rico 2.2 6.8 72073 Jayuya Municipio; Jayuya, PR Micro Area; Puerto Rico N/A 2.6 72075 Juana Díaz Municipio; Ponce, PR Metro Area; Puerto Rico 1.9 5.1 72077 Juncos Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.6 4.9 72087 Lofza Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 1.3 4.4 72093 Maricao Municipio, Puerto Rico N/A 4.5 72095 Maunabo Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico N/A 1.7 72101 Morovis Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.3 4.7 72103 Naguabo Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 6.4 6.3 72107 Orocovis Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 0.6 5.1 72111 Peñuelas Municipio; Yauco, PR Metro Area; Puerto Rico 1.9 5.0 72113 Ponce Municipio; Ponce, PR Metro Area; Puerto Rico 2.6 4.7 72115 Quebradillas Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 2.4 4.7 72119 Río Grande Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.0 6.5 72121 Sabana Grande Municipio; San Germán-Cabo Rojo, PR Metro Area; Puerto Rico 1.0 5.1 72123 Salinas Municipio; Coamo, PR Micro Area; Puerto Rico 1.8 2.8 72125 San Germán Municipio; San Germán-Cabo Rojo, PR Metro Area; Puerto Rico 1.9 6.0 72127 San Juan Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 4.5 6.2 72133 Santa Isabel Municipio; Santa Isabel, PR Micro Area; Puerto Rico N/A 1.6 72143 Vega Alta Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 5.0 4.8 72147 Vieques Municipio, Puerto Rico 8.4 7.0 72149 Villalba Municipio; Ponce, PR Metro Area; Puerto Rico 1.8 4.4 72151 Yabucoa Municipio; San Juan-Caguas-Guaynabo, PR Metro Area; Puerto Rico 3.8 4.8 72153 Yauco Municipio; Yauco, PR Metro Area; Puerto Rico 2.0 6.1 Note:
A property meets the low-vacancy threshold if it is located in a county that was below the national rental vacancy rate for units affordable to low-income households in 2000 (7.3 percent) and was within the 80th percentile of low-income rental vacancy rates (8.7 percent) as measured by the 2009 5 year ACS (meaning that 80 percent of counties had a vacancy rate below 8.7 percent in the 2009 5 year ACS).
End Supplemental InformationFootnotes
1. The MAP Guide may be accessed at http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/guidebooks/hsg-GB4430.
Back to Citation3. Pursuant to AHEO, SPRAC awards must be linked to a qualifying mortgage prepayment, not a mortgage maturity. Therefore a property will not receive SPRAC if the mortgage matures before the Direct Loan prepayment is completed.
Back to Citation6. “Low-vacancy area” was defined for the purposes of this assistance as a county that currently and historically demonstrates a moderate to tight rental housing market for low-income renters. HUD determined this definition with two thresholds. First, the county must be below the national vacancy rate for units affordable to low-income household in 2000, which is 7.3 percent. Second, the county must be below the 80th percentile vacancy rate for low-income renters as estimated by the 2005-2009 American Community Survey 5 year estimates, which is 8.7 percent. A list of low-vacancy areas is included in Attachment 1.
Back to Citation7. At this stage, HUD will use the RCS to forecast the potential SPRAC rent levels and cost of providing assistance to the unassisted units at the property. The RCS will not be interpreted as the final rent or assistance level, which will be determined at a later stage of the process. The Owner is not required to provide an assessment or calculation of assistance at this stage.
Back to Citation8. Note: HUD intends to issue an update to Housing Notice 12-08 in the near future to clarify prepayment processing and requirements, including environmental review requirements.
Back to Citation9. The SPRAC Notification to Proceed will provide the maximum number of units that may be assisted under the SPRAC. The lender should be advised of the possibility that the number of SPRAC-assisted units on the contract could decrease if residents are found to be over-income. The lender would rely on the RCS for “market” rents on which to underwrite the loan.
Back to CitationBILLING CODE 4210-67-P
BILLING CODE 4210-67-C
[FR Doc. 2013-00072 Filed 1-7-13; 8:45 am]
BILLING CODE 4210-67-P
Document Information
- Comments Received:
- 0 Comments
- Published:
- 01/08/2013
- Department:
- Housing and Urban Development Department
- Entry Type:
- Notice
- Action:
- Notice.
- Document Number:
- 2013-00072
- Pages:
- 1224-1246 (23 pages)
- Docket Numbers:
- Docket No. FR-5667-N-01
- PDF File:
- 2013-00072.pdf