Storefront Hero Image

NAHB Store

  • a

Webinar Replay - Cents & Sensibility: Income Calculations in the Real World

Council Member:
NAHB Member:

Determining household income can be particularly challenging when residents’ incomes fluctuate. An oversight or mistake can result in non-compliance with the rules governing low-income housing. This webinar offers guidance for analyzing pay stubs, applying pay increases and obtaining thorough third-party verification of employment, including per diem and seasonal workers.

One of the most common non-compliance findings is “household income above income limit upon initial occupancy.” In other words, “the household was never eligible.” This finding is usually the result of inaccurately calculated or insufficiently verified income. Determining household income can be particularly challenging when that income fluctuates. This session will include examples of how to determine income from pay stubs, analyzing third-party verifications, how to apply a verified raise (past and future) and what should be considered for individuals who work per diem and seasonal jobs.


Participants in this webinar will:

  • Recognize patterns and changes in pay.
  • Analyze multiple income calculations (year-to-date, hourly, pay stub average).
  • Demonstrate due diligence in file documentation.


Speaker: Jennifer Robinson Borland, Spectrum Enterprises


Moderator: Bob Landis, Senior Vice President, Syndications, CAHEC


NAHB Continuing Education: 1.0 hours of continuing education credit for the HCCP designation and for the following 12 designations: CAPS, CGA, CGB, CGP, CGR, CMP, CSP, GMB, GMR, Master CGP, Master CSP, MIRM.


Cancellation and Refund Policy: No refunds are issued for webinar replays upon purchase. However, NAHB regularly reviews these products and reserves the right to remove replays that are no longer current. If you are unable to view a replay during your 12-month access period, please contact Deborah Krat at