Housing for America’s Middle Class Act of 2026

This Act may be cited as the Housing for America’s Middle Class Act of 2026.

Not later than 1 year after the date of the enactment of this Act, the Comptroller General of the United States shall conduct a study and submit to the Congress a report that—

(1) identifies obstacles middle-income households face when looking to secure affordable housing;

(2) identifies geographic areas where housing is the most unaffordable and unavailable for middle-income households;

(3) includes a list of Federal housing programs, including Federal tax credits, grants, and loan programs, that are not available to middle-income households due to their income status, including Federal housing programs designed to promote affordability;

(4) recommends income and other parameters to establish a clear and consistent Federal definition for the term workforce housing for use when describing the segment of housing that could be made available to such middle-income households in Federal housing programs if funding commensurate with the additional eligibility were to be made available; and

(5) analyzes how to modify or newly develop new Federal housing programs and incentives to include workforce housing if funding commensurate with the additional eligibility were to be made available.

In this section, the term middle-income household means a household with an income above 80 percent but that does not exceed 120 percent of the median family income of the area, as determined by the Secretary with adjustments for smaller and larger families.