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Affordable Housing In El Cajon
San Diego County, California

12 Low Income Apartment Communities In El Cajon

Pinewood Apartments

241 Wisconsin Ave
El Cajon, California

Bella Vista Apartments

545 N Mollison Ave
El Cajon, California

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

There are 12 low income housing apartment communities offering 1,068 affordable apartments for rent in El Cajon, California.

Income Based Apartments in El Cajon, California

El Cajon features 605 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in El Cajon, California

There are 463 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in El Cajon.

Housing Choice Vouchers in El Cajon, California

On average, Section 8 Housing Choice vouchers pay El Cajon landlords $1,100 per month towards rent. The average voucher holder contributes $500 towards rent in El Cajon.

The maximum amount a voucher would pay on behalf of a low-income tenant in El Cajon, California for a two-bedroom apartment is between $1,833 and $2,241.

2020 El Cajon, California Fair Market Rents and Housing Choice Voucher Payment Standards

Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.

Studio One BR Two BR Three BR Four BR
Fair Market Rent $1,404 $1,566 $2,037 $2,894 $3,576
Payment Standard Range $1,264 to $1,544 $1,409 to $1,723 $1,833 to $2,241 $2,605 to $3,183 $3,218 to $3,934

Sourced from federal housing data and research.

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.

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 $92,700

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 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 $24,300 $27,750 $31,200 $34,650 $37,450 $40,200 $43,000 $45,750
50% of Median $40,450 $46,200 $52,000 $57,750 $62,400 $67,000 $71,650 $76,250
80% of Median $64,700 $73,950 $83,200 $92,400 $99,800 $107,200 $114,600 $122,000