Affordability and Fairness for Mountain Communities Act of 2025

This bill creates a waiver program allowing counties in mountain communities to calculate housing assistance income limits using ZIP codes or neighboring border counties instead of standard regional formulas. It directly affects 11 federal housing programs administered by HUD and USDA, including Section 8 vouchers, public housing, and Native American housing assistance. The bill also requires HUD to conduct a 2-year study assessing how income calculations impact housing affordability for low-income and seasonal workers in mountain areas, with a focus on high-cost adjustment effects. The study must include recommendations for reforming income calculations to better support affordable housing in these regions.