2009 HUD Estimated Median Family Income Reference Tables

All banks need to know the income class into which their mortgage borrowers are classified. A borrower's income class is determined by dividing the borrower's annual income by the HUD Median Family Income of the MSA (or non-MSA) in which the borrower is located. Therefore it is necessary to have the HUD EMFI before determining the income class of any borrower. This changes annually. GeoDataVision has published the 2009 HUD EMFI for every county in the USA.