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1230 (07/2026) Chapter 8: Examples • Chapter 8: Examples Example 3: Sage is renting a home for $2175 a month; she has separate heating/cooling costs. She sublets to 2 other individuals who each pay $775 for their rooms. They all purchase and prepare separately. In ONE, enter $2175 in the ‘Total Expense Amount’ field and $625 as her ‘Out of Pocket Responsibility’ in the Shelter Expense section. Allow the FUA as Sage is paying the heating/cooling costs. Example 4: Bodeen is renting a house for $1400 a month and pays for heating costs. She is sharing the house with three individuals who are paying her a flat $500 each toward the rent and another $50 for the utilities. The full rent is $1400 less $500 less $500 less $500 = $0 as her share of the rent. Enter zero rent for the participant’s Out of Pocket Responsibility and allow the FUA because, even though the renters pitch in, she pays the heating costs. In addition, she has income of $100 from the excess rental income. Enter the $100 income as unearned income. Example 5: Leonard owns a duplex and his mortgage is $1900 a month. He lives on one side and rents the other side out for $1000 a month. He pays all the heating/cooling costs for both sides. He spends less than 20 hours a week maintaining the property, so this is considered unearned income. In ONE, the rental income would be entered in the Self- Employment Income screen as $1000 (Room Rental). Leonard would receive the shelter deduction of $1900 and the FUA since he pays the heating/cooling costs. Example 6: Barry is buying a home with a $2000 mortgage payment plus $150 a month taxes and $100 a month insurance. He is sharing his home with two other people who are each paying him a flat $700 a month for rent and utilities. Enter the full shelter cost of $2250 for Barry, and the FUA as he is responsible for paying them. The rental income of $1400 is considered unearned income.

Example 7: The Jones family receives a year’s worth of mortgage payments thru a MAP. If they sell their home within 5 years, they must repay that year of payments. If they stay in their home and do not default for five years, they do not have to repay the year of payments. As there are conditions on the year of payments, a shelter deduction is allowed. If they did not have to repay the MAP payments under any circumstances, no shelter deduction would have been allowed. Example 8: Jana is homeless, living in a shelter. She has $500 earned income each month from a part time job. Jana pays $100 per month in shelter costs. She also has a phone bill of $79 per month. Her Excess Shelter Deduction would be $75.50. Because the Homeless Shelter Deduction (See OAR 461-160-0430(f)(C)) is higher, ONE will use the Homeless Shelter Deduction. ONE will take the homeless shelter deduction off her adjusted income before determining her SNAP benefit amount.