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Council adopts guidelines to use HUD’s middle-income rental program
Summary
The council approved guidelines allowing the city to certify developers who commit 50% of units at 120% AMI for 10 years under a HUD middle‑income financing program; staff said certification will be handled annually by community development and called the administrative burden "light."
Ogden City Council on Oct. 7 adopted a resolution approving the use of HUD’s middle‑income rental program guidelines that would allow developers to access additional financing for market-rate projects if 50% of units are set at 120% of area median income (AMI) for a 10‑year compliance period.
Jeremy Smith, a city staff presenter, told the council the program is intended to expand housing opportunities for middle‑income households by extending financing when developers agree to the 50% set-aside. Smith gave example figures from HUD guidance: at 120% AMI a studio’s household income limit could be about $101,280 with a rent limit near $2,532; Smith noted current local market rents for similar units are "just below $1,200." He also said the city’s certification and annual compliance review would be handled by community development staff and described the reporting burden as "pretty light."
Council members asked about AMI calculations and administrative workload; Smith said staff can provide the AMI math and that the bulk of the compliance documentation is supplied by the developer.
Council member Ritchie moved to adopt proposed Resolution 2025‑18 to approve the guidelines; council member Graff seconded and the council recorded affirmative roll-call votes. The resolution passed.
What it means: If developers elect to use the HUD middle‑income financing tool and the city adopts certification for a qualifying project, that development would be obligated to maintain the 120% AMI unit set‑aside for the stated 10‑year term with annual city certification.
