Affordable Housing In Whiteside County
Illinois

24 Low Income Apartment Communities In Whiteside County

Meadows of Luke Ridge

1302 Luke Ln
Rock Falls, IL
$545-800
2-3 BR
HCV Welcome

Prophet Manor Apartments

411 W 2nd St
Prophetstown, IL
62+
Accessible
Elderly Supportive Housing
Subsidized

Lawrence Lofts

101 E. 3rd Street
Sterling, IL
HCV Welcome

Civic Plaza II

1113 5th Ave
Rock Falls, IL
Subsidized

Sterling Manor Apartments

2403 E 19th St
Sterling, IL
Subsidized

Palisades Park

1621 6th St
Fulton, IL
Subsidized

Greencastle of Sterling, Inc

15 E 23rd St
Sterling, IL
62+
Accessible
Elderly Supportive Housing
Subsidized

Crowne Hill Estates

1100 W 24th St
Rock Falls, IL
HCV Welcome

D.D. Development of Sterling (

2105 Freeport Rd
Sterling, IL
HCV Welcome

Coloma Homes

403 W 18th St
Rock Falls, IL

Housing Authorities that serve Whiteside County

Housing Authority Programs
Whiteside County Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
White County Housing Authority Public Housing

Guide To Affordable Housing in Whiteside County, Illinois

According to federal housing data and AffordableHousingOnline.com research, there are 24 low income housing apartment communities offering 1,087 affordable apartments for rent in Whiteside County, Illinois. Whiteside County features 610 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 477 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Whiteside County.

Whiteside County, IL Affordable Housing Snapshot

Total Affordable Apartment Properties 24
Total Low Income Apartments 1,087
Total Housing Units with Rental Assistance 610
Percentage of Housing Units Occupied By Renters 24.7%
Average Renter Household Size 2.26
Average Household Size 2.40
Median Household Income $47,401 ±$1,519
Median Rent $639 ±$18
Percentage Of Renters Overburdened 43.01% ± 4.59pp
Total Population 57,525

Population and Household Demographics

Whiteside County is a County in Illinois with a population of 57,525. There are 23,548 households in the county with an average household size of 2.40 persons. 24.7% of households in Whiteside County are renters.

Income and Rent Overburden in Whiteside County

The median gross income for households in Whiteside County is $47,401 a year, or $3,950 a month. The median rent for the county is $639 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Whiteside County, a household making less than $2,130 a month would be considered overburdened when renting an apartment at or above the median rent. 43.01% of households who rent are overburdened in Whiteside County.1

Area Median Income In Whiteside 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 Whiteside County, HUD calculates the Area Median Income for a family of four as $64,900

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 Whiteside 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 Whiteside County HUD Rental Assistance in Whiteside County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $13,950 $16,910 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $23,250 $26,550 $29,850 $33,150 $35,850 $38,500 $41,150 $43,800
80% of Median $37,150 $42,450 $47,750 $53,050 $57,300 $61,550 $65,800 $70,050
Low Income Housing Tax Credits in Whiteside County

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

From 1994 to 2009, 13 low income apartment communities containing 507 rental apartments have been constructed and made affordable to low income persons in Whiteside 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 Whiteside County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $23,250 $26,550 $29,850 $33,150 $35,850 $38,500 $41,150 $43,800
60% of Median $27,900 $31,860 $35,820 $39,780 $43,020 $46,200 $49,380 $52,560

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 Whiteside County is $35,820 a year, or $2,985 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,985 by 30% to get a maximum rent of $896 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% $581 $623 $746 $863 $963 $1,062
60% $698 $747 $896 $1,035 $1,155 $1,274
Fair Market Rents in Whiteside 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
$501 $574 $754 $940 $1,021

Cities In Whiteside County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Sterling 8 The HUD funded Public Housing Agencies that serve Sterling are the Whiteside County Housing Authority and White County Housing Authority.
Albany 1 The HUD funded Public Housing Agencies that serve Albany are the Whiteside County Housing Authority and White County Housing Authority.
Rock Falls 8 The HUD funded Public Housing Agencies that serve Rock Falls are the Whiteside County Housing Authority and White County Housing Authority.
Fulton 1 The HUD funded Public Housing Agencies that serve Fulton are the Whiteside County Housing Authority and White County Housing Authority.
Prophetstown 2 The HUD funded Public Housing Agencies that serve Prophetstown are the Whiteside County Housing Authority and White County Housing Authority.
Tampico 2 The HUD funded Public Housing Agencies that serve Tampico are the Whiteside County Housing Authority and White County Housing Authority.
Morrison 1 The HUD funded Public Housing Agencies that serve Morrison are the Whiteside County Housing Authority and White County Housing Authority.
Erie 1 The HUD funded Public Housing Agencies that serve Erie are the Whiteside County Housing Authority and White County Housing Authority.
Coleta 0
Deer Grove 0
Lyndon 0
Como 0