Low-income buyers can earn no more than 80 percent of the median, which would work out to $50,240 today.

Most buyers earn in the mid-$30,000's or low-$40,000's.

At 870 Riverside, a single buyer must earn less than $52,725 to meet the limits.

Ohio's surveys show that most buyers, like the Sweets, earn $35,000 to $70,000.

And foreign buyers cannot simply earn it back by working.

To be eligible for a two-bedroom apartment, a buyer must earn between $49,000 and $75,000, and be able to make a 5 percent down payment.

The typical vacation-home buyer in the age group from the late 40's to mid-50's earns $71,000 a year and paid $190,000.

To be eligible, buyers must earn 80 percent or less than the area's or the state's median income, whichever is lower.

If oil is at $40 in 1995, a buyer of a unit at the offering price will earn a compounded annual return of 16 percent.

Almost all the buyers earn between $23,000 and $45,000 a year, although $53,000 a year is the program limit.