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Duty to Serve: Rural Areas and High Needs Rural Regions Data

Published by Federal Housing Finance Agency | Federal Housing Finance Agency | Metadata Last Checked: June 25, 2025 | Last Modified: 2025-02-12T14:25:47.935Z
FHFA's Duty to Serve regulation defines "rural area" as: (i) A census tract outside of an MSA as designated by the Office of Management and Budget (OMB); or (ii) A census tract in an MSA as designated by OMB that is: (A) Outside of the MSA’s Urbanized Areas as designated by the U.S. Department of Agriculture’s (USDA) Rural-Urban Commuting Area (RUCA) Code #1, and outside of tracts with a housing density of over 64 housing units per square mile for USDA’s RUCA Code #2; or (B) A colonia census tract that does not satisfy paragraphs (i) or (ii)(A) of this definition. This data contains both the specific geographies which meet the Rural Areas definition and also the areas defined as “high-needs rural regions”.

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