Affordable Housing In Merced County
California
43 Low Income Apartment Communities In Merced County
Almond Garden and Almond Garden Family
Housing Authorities that serve Merced County
| Housing Authority | Programs |
|---|---|
| Housing Authority of the County of Merced | Section 8 Housing Choice Voucher (HCV); Public Housing |
Guide To Affordable Housing in Merced County, California
There are 43 low income housing apartment communities offering 2,564 affordable apartments for rent in Merced County, California. Merced County features 1,048 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 1,516 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Merced County.
Sourced from federal housing data and AffordableHousingOnline.com research.
Merced County, CA Affordable Housing Snapshot
| Total Affordable Apartment Properties | 43 |
|---|---|
| Total Low Income Apartments | 2,564 |
| Total Housing Units with Rental Assistance | 1,048 |
| Percentage of Housing Units Occupied By Renters | 48.36% |
| Average Renter Household Size | 3.47 |
| Average Household Size | 3.32 |
| Median Household Income | $42,462 ±$1,214 |
| Median Rent | $873 ±$16 |
| Percentage Of Renters Overburdened | 51.33% ± 2.62pp |
| Total Population | 263,885 |
Population and Household Demographics
Merced County is a County in California with a population of 263,885. There are 77,692 households in the county with an average household size of 3.32 persons. 48.36% of households in Merced County are renters.
Income and Rent Overburden in Merced County
The median gross income for households in Merced County is $42,462 a year, or $3,539 a month. The median rent for the county is $873 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Merced County, a household making less than $2,910 a month would be considered overburdened when renting an apartment at or above the median rent. 51.33% of households who rent are overburdened in Merced County.1
Area Median Income In Merced County
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.
In Merced County, HUD calculates the Area Median Income for a family of four as $55,500
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 Merced County
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 Merced County HUD Rental Assistance in Merced County
| Income | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|---|---|---|---|
| 30% of Median | $13,650 | $16,910 | $21,330 | $25,750 | $30,170 | $34,590 | $39,010 | $42,800 |
| 50% of Median | $22,700 | $25,950 | $29,200 | $32,400 | $35,000 | $37,600 | $40,200 | $42,800 |
| 80% of Median | $36,300 | $41,500 | $46,700 | $51,850 | $56,000 | $60,150 | $64,300 | $68,450 |
Low Income Housing Tax Credits in Merced County
The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.
From 1987 to 2012, 32 low income apartment communities containing 1,834 rental apartments have been constructed and made affordable to low income persons in Merced County 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 Merced County
| Income | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|---|---|---|---|
| 50% of Median | $22,700 | $25,950 | $29,200 | $32,400 | $35,000 | $37,600 | $40,200 | $42,800 |
| 60% of Median | $27,240 | $31,140 | $35,040 | $38,880 | $42,000 | $45,120 | $48,240 | $51,360 |
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 Merced County is $35,040 a year, or $2,920 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,920 by 30% to get a maximum rent of $876 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% | $568 | $608 | $730 | $843 | $940 | $1,038 |
| 60% | $681 | $730 | $876 | $1,011 | $1,128 | $1,245 |
Fair Market Rents in Merced County
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 |
|---|---|---|---|---|
| $651 | $782 | $947 | $1,366 | $1,652 |
Cities In Merced County
Select A City to View its Apartment Communities and Waiting Lists.
| City | Listings | Served By |
|---|---|---|
| Merced | 20 | The HUD funded Public Housing Agency that serves Merced is the Housing Authority of the County of Merced. |
| Los Banos | 9 | The HUD funded Public Housing Agency that serves Los Banos is the Housing Authority of the County of Merced. |
| Delhi | 3 | The HUD funded Public Housing Agency that serves Delhi is the Housing Authority of the County of Merced. |
| Livingston | 3 | The HUD funded Public Housing Agency that serves Livingston is the Housing Authority of the County of Merced. |
| Planada | 2 | The HUD funded Public Housing Agency that serves Planada is the Housing Authority of the County of Merced. |
| Le Grand | 1 | The HUD funded Public Housing Agency that serves Le Grand is the Housing Authority of the County of Merced. |
| Gustine | 1 | The HUD funded Public Housing Agency that serves Gustine is the Housing Authority of the County of Merced. |
| Atwater | 2 | The HUD funded Public Housing Agency that serves Atwater is the Housing Authority of the County of Merced. |
| Dos Palos | 2 | The HUD funded Public Housing Agency that serves Dos Palos is the Housing Authority of the County of Merced. |
| Ballico | 0 | |
| Bear Creek | 0 | |
| Cressey | 0 | |
| Dos Palos Y | 0 | |
| El Nido | 0 | |
| Franklin | 0 | |
| Hilmar Irwin | 0 | |
| McSwain | 0 | |
| Santa Nella | 0 | |
| Snelling | 0 | |
| South Dos Palos | 0 | |
| Stevinson | 0 | |
| Tuttle | 0 | |
| University of California Merced | 0 | |
| Volta | 0 | |
| Winton | 0 | |
| Hilmar-Irwin | 0 |
