Mention the terms “low income” or “affordable housing” and many people think of dire poverty. The reality in 2026 is that in Ventura County, a family of 4 earning nearly $126,000 is now “low income.” The same family earning nearly $163,000 is now “moderate income.” These are countywide figures; in Thousand Oaks, the figures are higher still.

Housing for residents in this category is – by far – our biggest unmet need. When people ask if affordable housing is needed, this table shows why.

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