6501.1 Annual income includes:

1. (a) All amounts, not specifically excluded in 24 CFR § 5.609(b);
2. (b) All amounts received from all sources by each member of the family who is eighteen (18) years of age or older or is the head of household or spouse;
3. (c) Unearned income by or on behalf of each dependent who is under eighteen (18) years of age; and
4. (d) Upon approval in the MTW Plan, imputed returns of assets based on the current passbook savings rate when the total value of family assets exceeds Fifty Thousand Dollars ($50,000).

6501.2 In addition to this general definition, the regulations at 24 CFR § 5.609(b) provide a comprehensive listing of all sources of income that are excluded from annual income. All income is included unless it is specifically excluded by regulation.

6501.3 Annual income includes “all amounts received,” not the amount that a family may be legally entitled to receive but did not receive.

6501.4 Income received by all family members must be counted unless specifically excluded by the regulations.

6501.5 The rules on which sources of income are counted vary somewhat by family member. The chart below summarizes how household composition affects income determinations.

Summary of Income Included and Excluded by Person
Live-in aides	Income from all sources is excluded.
Foster child or foster adult	Income from all sources is excluded.
Head, spouse, or co-head Other adult family members	All sources of income not specifically excluded by the regulations are included.
Children under eighteen (18) years of age	Employment income is excluded. All other sources of income, except those specifically excluded by the regulations, are included.
Full-time students eighteen (18) years of age or older (not head, spouse, or co-head)	Employment income in excess of the dependent deduction is excluded. All other sources of income, except those specifically

	excluded by the regulations, are included.

SOURCE: Notice of Final Rulemaking published at 33 DCR 7973, 8026-8027 (December 26, 1986); as amended by Final Rulemaking published at 73 DCR 007351 (May 15, 2026).