Affordable Housing In El Cajon
San Diego County, California

12 Low Income Apartment Communities In El Cajon

Solterra

155 Chambers St
El Cajon, CA
Income Based
1-2 BR
HCV Welcome

Lexington Green

1415 E Lexington Avenue
El Cajon, CA
Call For Rent
2-3 BR
Subsidized

Lexington Senior

250 E. Lexington Ave
El Cajon, CA
Call For Rent
1-2 BR
62+
HCV Welcome

Laurel Village Apartments

909 Leslie Road
El Cajon, CA
Call For Rent
2-4 BR
HCV Welcome

El Cajon Senior

180 Ballantyne Street
El Cajon, CA
Call For Rent
1 BR
62+
Subsidized

Cornerstone Place

230 S Sunshine Ave
El Cajon, CA
Call For Rent
1-3 BR
HCV Welcome

El Cajon Silvercrest Residence

175 South Anza Street
El Cajon, CA
62+
Accessible
Elderly Supportive Housing
Subsidized

Key Largo Apartments

380 N Mollison Ave
El Cajon, CA
Subsidized

Broadway Apartments I

1562 E Main St
El Cajon, CA
Subsidized

Teton House

1350 Teton Dr
El Cajon, CA
Accessible
Disabled Supportive Housing
Subsidized

Housing Authorities that serve El Cajon

Housing Authority Programs
Housing Authority of the County of San Diego Section 8 Housing Choice Voucher (HCV); Public Housing; Veteran Affairs Supportive Housing (VASH); Section 8 Project-Based Voucher (PBV); Moderate Rehabilitation; Housing Opportunities for Persons with AIDS (HOPWA)

Guide To Affordable Housing in El Cajon, California

According to federal housing data and AffordableHousingOnline.com research, there are 12 low income housing apartment communities offering 1,068 affordable apartments for rent in El Cajon, California. El Cajon features 605 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 463 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in El Cajon.

El Cajon, CA Affordable Housing Snapshot

Total Affordable Apartment Properties 12
Total Low Income Apartments 1,068
Total Housing Units with Rental Assistance 605
Percentage of Housing Units Occupied By Renters 61.7%
Average Renter Household Size 3.20
Average Household Size 3.06
Median Household Income $45,925 ±$2,051
Median Rent $1,114 ±$13
Percentage Of Renters Overburdened 61.07% ± 3.06pp
Total Population 102,383

Population and Household Demographics

El Cajon is a City in San Diego County, California with a population of 102,383. There are 32,564 households in the city with an average household size of 3.06 persons. 61.7% of households in El Cajon are renters.

Income and Rent Overburden in El Cajon

The median gross income for households in El Cajon is $45,925 a year, or $3,827 a month. The median rent for the city is $1,114 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In El Cajon, a household making less than $3,713 a month would be considered overburdened when renting an apartment at or above the median rent. 61.07% of households who rent are overburdened in El Cajon.1

Area Median Income In El Cajon

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For El Cajon, the AMI is calculated from all households within San Diego County.

In El Cajon, HUD calculates the Area Median Income for a family of four as $86,300

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in El Cajon

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for El Cajon HUD Rental Assistance in El Cajon

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $22,500 $25,700 $28,900 $32,100 $34,700 $37,250 $39,850 $43,430
50% of Median $37,450 $42,800 $48,150 $53,500 $57,800 $62,100 $66,350 $70,650
80% of Median $59,950 $68,500 $77,050 $85,600 $92,450 $99,300 $106,150 $113,000
Low Income Housing Tax Credits in El Cajon

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1998 to 2007, 4 low income apartment communities containing 378 rental apartments have been constructed and made affordable to low income persons in El Cajon by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in El Cajon

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $37,450 $42,800 $48,150 $53,500 $57,800 $62,100 $66,350 $70,650
60% of Median $44,940 $51,360 $57,780 $64,200 $69,360 $74,520 $79,620 $84,780

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in El Cajon is $57,780 a year, or $4,815 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,815 by 30% to get a maximum rent of $1,445 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $936 $1,003 $1,204 $1,391 $1,553 $1,713
60% $1,124 $1,204 $1,445 $1,670 $1,863 $2,055
Fair Market Rents in El Cajon

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$1,404 $1,566 $2,037 $2,894 $3,576