 Federal programs through HUD or state governments are geared towards low income programs designed for people that make less than 60% of Area Median Income (AMI).One program is the Low-Income Housing Tax Credit which mainly spurs development of rental properties.Workforce housing is designed for people that make 50% to 120% of AMI—an income strata that is largely unserved and unaddressed by both Federal and State programs aside from FHA loans.