"Median income" means after adjustments for family size, the lesser of the state median income or the area median income for the area in which the municipality containing the affordable housing development is located, as determined by the United States Department of Housing and Urban Development. "Declarant monthly payment," as used in connection with an affordable housing unit for sale, shall mean the amount paid monthly for mortgage principal and interest, property taxes and insurance, and common charges in the case of ownership in a common-interest community and utility costs, including hot water and electricity, but excluding telephone, internet connections and cable television. The maximum allowable monthly payment for an AHD unit that is rented shall include the cost of rent, common charges, if the tenant is directly responsible, heat and utility costs, including hot water and electricity, but excluding telephone, internet connections and cable television.