Housing, Opportunity, Mobility, and Equity Act of 2018 This bill (1) requires a recipient of a Community Development Block Grant to develop strategies to support new, inclusive zoning policies and programs; (2) establishes a tax credit based on the rental costs of an eligible individual; and (3) establishes a savings program to allow a taxpayer to defer payment on a portion of the amount that would otherwise be refunded to the taxpayer as overpayment.