The bill requires a study on obstacles middle-income households face when securing affordable housing and identifies areas with unaffordable housing. It also assesses Federal housing programs' eligibility for middle-income households, recommends defining "workforce housing," and explores modifying or developing new Federal housing programs. The bill seeks to establish income parameters for "workforce housing" while analyzing how to include it in housing programs. "Middle-income households" are defined as those earning above 80 percent but not exceeding 120 percent of the median family income, with adjustments for family size.