In 2026, 80% AMI for a family of four in Lee County, which includes the Sanibel and Captiva workforce, is approximately $89,900 annually, while 50% AMI is approximately $56,200. Without workforce housing solutions, Sanibel and Captiva risk becoming increasingly disconnected from the very people who sustain their economy, services and quality of life. The AMI data illustrates that workforce housing is not a niche issue — it is essential infrastructure that supports the long-term resilience and vitality of the islands. While implementation details are still developing, several provisions may affect affordable and workforce housing organizations across the country. CHR also serves as the city of Sanibel’s housing foundation under the Affordable Housing Program.