I 
119TH CONGRESS 
1ST SESSION H. R. 5651 
To establish a waiver program to allow for ZIP Code localization area median 
income calculations, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 30, 2025 
Mr. NEGUSE introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To establish a waiver program to allow for ZIP Code localiza-
tion area median income calculations, and for other pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Affordability and Fair-
ness for Mountain Communities Act of 2025’’. 
SEC. 2. WAIVER PROGRAM FOR ZIP CODE LOCALIZATION 
OF AREA MEDIAN INCOME CALCULATIONS. 
(a) IN GENERAL.—Not later than 90 days after the 
date of enactment of this Act, the Secretary of Housing 
and Urban Development shall establish a waiver program 
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to be known as the Area Median Income Localization 
Waiver (in this Act referred to as the ‘‘waiver program’’). 
(b) THE WAIVER PROGRAM.—The waiver program 
established by the Secretary pursuant to subsection (a) 
shall allow a county government, or corresponding func-
tional unit of government, to calculate area median income 
for covered programs using— 
(1) a ZIP Code as the area for calculation; and 
(2) a group of counties that each share a bor-
der with such county as the area for calculation. 
(c) APPLICATION.—A county government, or a cor-
responding functional unit of government, may apply to 
participate in the waiver program by submitting an appli-
cation to the Secretary at such time and in such manner 
as the Secretary may reasonably require. 
(d) SELECTION.—The Secretary shall grant a waiver 
to each county government, or corresponding functional 
unit of government, that submits an application pursuant 
to subsection (c). 
(e) USE OF WAIVER.—A county government, or cor-
responding functional unit of government, that receives a 
waiver under subsection (d) may, with respect to a covered 
program, calculate area median income using— 
(1) a ZIP Code as the area for calculation; 
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(2) a group of counties that each share a bor-
der with such county as the area for calculation; or 
(3) the original means for calculation provided 
by law for the program. 
(f) COVERED PROGRAM DEFINED.—In this section, 
the term ‘‘covered program’’ means the following pro-
grams administered by the Secretary of Housing and 
Urban Development or the Secretary of Agriculture: 
(1) The public housing program under the 
United States Housing Act of 1937 (42 U.S.C. 1437 
et seq.). 
(2) The program for rental assistance under 
section 8 of the United States Housing Act of 1937 
(42 U.S.C. 1437f). 
(3) The HOME Investment Partnerships pro-
gram under title II of the Cranton-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 12721 et 
seq.). 
(4) The programs under Title IV of the McKin-
ney-Vento Homeless Assistance Act (42 U.S.C. 
11360 et seq.). 
(5) The Housing Trust Fund program under 
section 1338 of the Housing and Community Devel-
opment Act of 1992 (12 U.S.C. 4568). 
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(6) The program for supportive housing for the 
elderly under section 202 of the Housing Act of 
1959 (12 U.S.C. 1701q). 
(7) The program for supportive housing for 
persons with disabilities under section 811 of the 
Cranston-Gonzalez National Affordable Housing Act 
(42 U.S.C. 8013). 
(8) The AIDS Housing Opportunities program 
under subtitle D of title VIII of the Cranston-Gon-
zalez National Affordable Housing Act (42 U.S.C. 
12901 et seq.). 
(9) The program for Native American housing 
under the Native American Housing Assistance and 
Self-Determination Act of 1996 (25 U.S.C. 4101 et 
seq.). 
(10) The program for housing assistance for 
Native Hawaiians under title VIII of the Native 
American Housing Assistance and Self-Determina-
tion Act of 1996 (25 U.S.C. 4221 et seq.). 
(11) The programs for assistance for rural 
rental housing under title V of the Housing Act of 
1949 (42 U.S.C. 1471 et seq.). 
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