Affordable Housing In Bell County
Kentucky

10 Low Income Apartment Communities In Bell County

Wilderness Trail

1 Wilderness Trail Mnr
Pineville, KY
Income Based
1-2 BR
62+
Subsidized

Cumberland Village Apartments

99 Cumberland Vlg
Middlesboro, KY
Subsidized

Cumberland Woods Assoc

370 S 13th Street
Middlesboro, KY
HCV Welcome

Happy Hollow

Box 11G Happy Hollow Rd
Middlesborough, KY
Subsidized

Bella Gardens Apartments

200 Bella Gdns
Middlesboro, KY
Subsidized

Ferndale Apartments

1 Ferndale Apartments Rd
Pineville, KY
Subsidized

Yoakum and Junction

317 Schultz Hts
Middlesboro, KY

West End Homes

509 Westend Homes
Middlesboro, KY

Schultz Heights and Rennie Gayle

725 Hink Hts
Middlesboro, KY

Northside Dr

601 6th St
Pineville, KY
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There are 10 low income housing apartment complexes which contain 1,173 affordable apartments for rent in Bell County. Many of these rental apartments are income based housing with 1,133 apartments that set rent based on your income. In Bell County, HUD housing programs support 470 rental assistance apartments through programs like Project-based Section 8. There are 40 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Bell County

Housing Authority Programs
PinevilleBell County Community Dev Agency Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Bell County

Housing Authority Programs
Housing Authority of Middlesborough Public Housing
Housing Authority of Pineville Public Housing

Guide To Affordable Housing in Bell County, Kentucky

Bell County, KY Affordable Housing Snapshot

Total Affordable Apartment Properties 10
Total Low Income Apartments 1,173
Total Rent Assisted Apartments 1,133
Percentage of Housing Units Occupied By Renters 33.79%
Average Renter Household Size 2.38
Total Population 27,950
Housing Units 11,088
Average Household Size 2.44
Median Household Income $22,443 ±$1,863
Median Rent $478 ±$29
Percentage Of Renters Overburdened 46.2% ± 5.55pp

Population and Household Demographics

Bell County is a County in Kentucky with a population of 27,950. There are 11,088 households in the county with an average household size of 2.44 persons. 33.79% of households in Bell County are renters.

Income and Rent Overburden in Bell County

The median gross income for households in Bell County is $22,443 a year, or $1,870 a month. The median rent for the county is $478 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Bell County, a household making less than $1,593 a month would be considered overburdened when renting an apartment at or above the median rent. 46.2% of households who rent are overburdened in Bell County.1

Area Median Income In Bell 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 Bell County, HUD calculates the Area Median Income for a family of four as $31,700

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 Bell 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 Bell County HUD Rental Assistance in Bell County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $12,490 $16,910 $21,330 $25,600 $27,650 $29,700 $31,750 $33,800
50% of Median $17,950 $20,500 $23,050 $25,600 $27,650 $29,700 $31,750 $33,800
80% of Median $28,700 $32,800 $36,900 $40,950 $44,250 $47,550 $50,800 $54,100
Low Income Housing Tax Credits in Bell 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 1994, 1 low income apartment communities containing 40 rental apartments have been constructed and made affordable to low income persons in Bell 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 Bell County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $17,950 $20,500 $23,050 $25,600 $27,650 $29,700 $31,750 $33,800
60% of Median $21,540 $24,600 $27,660 $30,720 $33,180 $35,640 $38,100 $40,560

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 Bell County is $27,660 a year, or $2,305 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,305 by 30% to get a maximum rent of $692 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% $449 $481 $576 $666 $743 $819
60% $539 $577 $692 $799 $891 $983
Fair Market Rents in Bell 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.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$473 $511 $618 $832 $835

Cities In Bell County

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

City Listings Served By
Pineville 3 The HUD funded Public Housing Agencies that serve Pineville are the Housing Authority of Pineville and PinevilleBell County Community Dev Agency.
Middlesboro 6 The HUD funded Public Housing Agencies that serve Middlesboro are the Housing Authority of Middlesborough and PinevilleBell County Community Dev Agency.
Middlesborough 1 The HUD funded Public Housing Agency that serves Middlesborough is the PinevilleBell County Community Dev Agency.