Affordable Housing In Cumberland
Harlan County, Kentucky

6 Low Income Apartment Communities In Cumberland

Bradford Square Apartments

2319 E Main St
Cumberland, Kentucky
Call For Rent
1 BR

Pride Terrace Multi - Fam

504 Last Resort Ct
Cumberland, Kentucky

Cumberland Manor - Cumberland

201 Mastin Dr
Cumberland, Kentucky

Pride Terrace Single - Fam

502 Last Resort Ct
Cumberland, Kentucky

Poplar Village

51 Mastin Dr
Cumberland, Kentucky

Cloverlick Heights

120 Russell Dr
Cumberland, Kentucky
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Section 8 Vouchers, Apartments, and Waiting Lists in Cumberland, Kentucky

Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.

Households who qualify for these programs may also qualify for Project-Based Section 8, which contributes rental assistance payments directly to private landlords on behalf of low-income tenants. Eligibility for the project-based program is similar to the voucher programs, but waiting list and application policies will vary depending on the landlord.

Public Housing Agencies Serving Cumberland, Kentucky

Housing Authority Programs
Housing Authority of Cumberland Public Housing

Guide To Affordable Housing in Cumberland, Kentucky

There are 6 low income housing apartment communities offering 323 affordable apartments for rent in Cumberland, Kentucky.

Income Based Apartments in Cumberland, Kentucky

Cumberland features 299 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 Cumberland, Kentucky

There are 24 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland.

Housing Choice Vouchers in Cumberland, Kentucky

On average, Section 8 Housing Choice vouchers pay Cumberland landlords $400 per month towards rent. The average voucher holder contributes $200 towards rent in Cumberland.

The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland, Kentucky for a two-bedroom apartment is between $607 and $741.

2022 Cumberland, Kentucky 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
Cumberland, Kentucky Fair Market Rent $469 $548 $674 $957 $999
Cumberland, Kentucky Payment Standard Range $422 to $516 $493 to $603 $607 to $741 $861 to $1,053 $899 to $1,099

Sourced from federal housing data and research.

Cumberland, KY Affordable Housing Snapshot

Total Affordable Apartment Properties 6
Total Low Income Apartments 323
Total Housing Units with Rental Assistance 299
Percentage of Housing Units Occupied By Renters 43.22%
Average Renter Household Size 2.68
Average Household Size 2.28
Median Household Income $21,863 ±$4,074
Median Rent $398 ±$42
Percentage Of Renters Overburdened 33.33% ± 15.06pp
Total Population 2,245

Population and Household Demographics

Cumberland is a city in Harlan County, Kentucky with a population of 2,245. There are 944 households in the city with an average household size of 2.28 persons. 43.22% of households in Cumberland are renters.

Income and Rent Overburden in Cumberland

The median gross income for households in Cumberland is $21,863 a year, or $1,822 a month. The median rent for the city is $398 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland, a household making less than $1,327 a month would be considered overburdened when renting an apartment at or above the median rent. 33.33% of households who rent are overburdened in Cumberland.

Area Median Income In Cumberland

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 Cumberland, the AMI is calculated from all households within Harlan County.

In Cumberland, HUD calculates the Area Median Income for a family of four as $33,900

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 Cumberland

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 Cumberland

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% AMI Income Limits
Renters earning up to 30% of the Cumberland AMI may qualify for rental assistance programs that target Extremely Low Income households.
$12,880 $17,420 $21,960 $26,500 $29,350 $31,500 $33,700 $35,850
50% AMI Income Limits
Renters earning up to 50% of the Cumberland AMI may qualify for rental assistance programs that target Very Low Income households.
$19,050 $21,750 $24,450 $27,150 $29,350 $31,500 $33,700 $35,850
80% AMI Income Limits
Renters earning up to 80% of the Cumberland AMI may qualify for rental assistance programs that target Low Income households.
$30,450 $34,800 $39,150 $43,450 $46,950 $50,450 $53,900 $57,400