What are Targeted and Non-Targeted Areas?

What is the Difference Between Targeted and Non-Targeted Areas?

A targeted area is an economically distressed area designated by the U.S. Department of Housing and Urban Development (HUD).

Special incentives are given for applicants purchasing homes in federally designated Targeted Areas. Some of these incentives are:

• You can make more income and purchase more home since the Household Income and home Purchase Price Limits are higher. Click here to see Household Income and Purchase Price Limits per county.

• Mortgage Credit Certificates are available for non-first time homebuyers if they are buying a home in a Targeted Area.

First Time Homebuyer is someone who has not had ownership in a principal residence three years from the date of closing. .  

Where are the Targeted Areas in Colorado?

• The entire city of Commerce City
• Englewood:     Census Tract 57
• Ft. Collins:       Census Tract 7

The following entire counties:

• Alamosa
• Baca
• Bent
• Chaffee
• Conejos
• Costilla
• Crowley
• Delta
• Gunnison (excluding Crested Butte)
• Huerfano
• Kit Carson
• Las Animas
• Mineral
• Montezuma
• Otero
• Prowers
• Pueblo
• Rio Grande
• Saguache
• San Juan
• Weld
• Yuma

There are also certain census tracts within a county designating a targeted area.

To find out if a property is in a targeted area or not, contact your loan officer who can pull the information for you or you can follow the steps below.

You can determine if an address is in a targeted area by using the FFIEC Geocoding System, which identifies the census tract location of the address by clicking this link FFIEC web site.

When you pull up the address it will show the census tract code in the bottom right corner.

If the tract code matches any of the codes below it is in a targeted area.

The Following Census tract codes are Targeted Areas

Adams County: Census Tract

78.01

78.02

79.00

80.00

83.08

83.09

87.06

88.01

89.01

92.03

93.18

93.19

93.20

95.02

150.00

Arapahoe County: Census Tract

49.51

55.51

55.52

65.01

66.01

72.01

72.02

73.01

73.02

74.00

77.04

801

806

810

811

818

820

871

873

Boulder County: Census Tract

134.01

135.05

Denver County: Census Tract

2.02

3.03
4.01
4.02
6
7.02
8
9.02
9.03
9.04
9.05
11.01
14.01
15
18
19.01
24.03
35
36.01
44.04
45.03
45.04
45.05
45.06
68.13
70.06
70.37
70.89

83.12
155
156
9800

El Paso County: Census Tract

3.01
3.02
13.01
14
19
21.01
22
23
28
29
40.09
44.01

44.02
52.01
52.02
54
61
62
63.02
64
65.01

Fremont County: Census Tract

9794

Huerfano County: Census Tract

9606

Lake County: Census Tract

96.19

Larimer County: Census Tract

5.03
28.03

Logan County: Census Tract

9662

Montrose County: Census Tract

9663
9666.01

Targeted Areas are determined in accordance with the Code, and may be changed by the federal government from time to time.