The U.S. Department of Housing and Urban Development (HUD) releases annual inflationary adjustments to various program parameters, including asset limitations, imputed income thresholds, and passbook rates, to reflect changes in the cost of living. These adjustments are based on the Consumer Price Index and impact programs like HUD Multifamily Housing, Public Housing, Housing Choice Vouchers, and the Low-Income Housing Tax Credit (LIHTC) program. 

For 2026, HUD has released updated values, including a decrease in the passbook savings rate and changes to asset thresholds. You can view them here.

Key HUD Inflationary Adjustments for 2026:

• Passbook Savings Rate: The Passbook Savings Rate has been reduced from 0.45% to 0.40%. 
• Asset Limitation: The threshold for families to be ineligible due to high net assets has been raised to $105,574. 
• Imputed Asset Income Threshold: The threshold for calculating imputed income from assets has increased to $52,787. 
• Non-Necessary Personal Property Threshold: The threshold for including the total value of non-necessary personal property in net family assets is also $52,787. 
• Self-Certification of Assets Threshold: The threshold for self-certification of assets has increased to $52,787. 
• Mandatory Deduction for Elderly and Disabled Families: The threshold has increased from $525 to $550. 
• Mandatory Deduction for a Dependent: The threshold has increased from $480 to $500. 

Important Considerations:

• These adjustments are effective for certifications on or after January 1, 2026. 
• Housing professionals need to stay informed about these changes to ensure accurate income calculations and compliance with HUD regulations. 

The passbook rate is used to calculate imputed asset income based on data from the FDIC (Federal Deposit Insurance Corporation).