In setting upper limits on adjusted annual income, the Department shall consider factors including: the total income of each individual expected to live in the home; the size of the household; the cost of available housing facilities; the ability of the household to compete successfully in the conventional private housing market; and pertinent standards and definitions established for federal housing programs. Upper limits on adjusted annual income may vary for different: types of housing; types of financing offered by the Program; and regions. Within the upper limits on adjusted annual income, lower income limit ranges and lower interest rates may be established for loans to households with adjusted annual incomes in the lower ranges. Except for loans made under § 4–804(4) and (6) of this subtitle, the upper limits on adjusted annual income established under subsection (a) of this section may not exceed the median annual family income.