Affordable Housing Online is monitoring the federal government's response to the coronavirus disease (COVID-19) outbreak. 

An extensive list of coronavirus resources for low-income households can be found here.

Affordable Housing In Gary
Lake County, Indiana

41 Low Income Apartment Communities In Gary

Linden House Gary

1500 Washington St
Gary, Indiana
Call For Rent
1 BR

Small Farms

1990 W 24th Lane
Gary, Indiana
Call For Rent
1-2 BR

Homewood Village

2173 Carolina Street
Gary, Indiana
Call For Rent
2-4 BR

St. John Homes

2173 Carolina St
Gary, Indiana
Call For Rent
2-3 BR

Gary Manor Apartments

1200 Washington St
Gary, Indiana
Income Based
1-3 BR

Park Shore Commons

860 N Wells St
Gary, Indiana
Income Based
1-3 BR


477 Arthur St
Gary, Indiana
Call For Rent
1-2 BR

Gary NSA V

501 Madison St
Gary, Indiana

Dorie Miller Homes

1722 E. 21st Ave
Gary, Indiana

Genesis Towers Senior High Rise

578 Broadway
Gary, Indiana

Housing Authorities that serve Gary

Housing Authority Programs
Gary Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Gary, Indiana

There are 41 low income housing apartment communities offering 5,658 affordable apartments for rent in Gary, Indiana.

Income Based Apartments in Gary, Indiana

Gary features 4,290 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 Gary, Indiana

There are 1,368 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Gary.

Housing Choice Vouchers in Gary, Indiana

On average, Section 8 Housing Choice vouchers pay Gary landlords $600 per month towards rent. The average voucher holder contributes $300 towards rent in Gary.

The maximum amount a voucher would pay on behalf of a low-income tenant in Gary, Indiana for a two-bedroom apartment is between $831 and $1,015.

2021 Gary, Indiana 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 $609 $749 $923 $1,148 $1,301
Payment Standard Range $548 to $670 $674 to $824 $831 to $1,015 $1,033 to $1,263 $1,171 to $1,431

Sourced from federal housing data and research.

Gary, IN Affordable Housing Snapshot

Total Affordable Apartment Properties 41
Total Low Income Apartments 5,658
Total Housing Units with Rental Assistance 4,290
Percentage of Housing Units Occupied By Renters 48.82%
Average Renter Household Size 2.67
Average Household Size 2.52
Median Household Income $28,020 ±$1,263
Median Rent $728 ±$18
Percentage Of Renters Overburdened 53.49% ± 3.1pp
Total Population 78,483

Population and Household Demographics

Gary is a city in Lake County, Indiana with a population of 78,483. There are 30,814 households in the city with an average household size of 2.52 persons. 48.82% of households in Gary are renters.

Income and Rent Overburden in Gary

The median gross income for households in Gary is $28,020 a year, or $2,335 a month. The median rent for the city is $728 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Gary, a household making less than $2,427 a month would be considered overburdened when renting an apartment at or above the median rent. 53.49% of households who rent are overburdened in Gary.

Area Median Income In Gary

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 Gary, the AMI is calculated from all households within Lake County.

In Gary, HUD calculates the Area Median Income for a family of four as $74,900

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 Gary

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 Gary

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,750 $18,000 $21,720 $26,200 $30,680 $35,160 $39,640 $44,120
50% of Median $26,250 $30,000 $33,750 $37,450 $40,450 $43,450 $46,450 $49,450
80% of Median $41,950 $47,950 $53,950 $59,900 $64,700 $69,500 $74,300 $79,100